LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,221
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,849
−HK$640/mo
Today · 4.125%
HK$21,489
baseline
▲ 0.50% · 4.625%
HK$22,796
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,978/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,495
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,098
−HK$612/mo
Today · 4.125%
HK$23,710
baseline
▲ 0.50% · 4.625%
HK$24,960
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,420/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,265
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$767/mo
Today · 4.125%
HK$25,786
baseline
▲ 0.50% · 4.625%
HK$27,355
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,572/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,994
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,718
−HK$735/mo
Today · 4.125%
HK$28,453
baseline
▲ 0.50% · 4.625%
HK$29,952
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,906/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,309
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$895/mo
Today · 4.125%
HK$30,084
baseline
▲ 0.50% · 4.625%
HK$31,914
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,168/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,493
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,338
−HK$857/mo
Today · 4.125%
HK$33,195
baseline
▲ 0.50% · 4.625%
HK$34,944
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,390/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,397
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,529
−HK$1,150/mo
Today · 4.125%
HK$38,679
baseline
▲ 0.50% · 4.625%
HK$41,033
+HK$2,354/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,358/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,491
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,577
−HK$1,102/mo
Today · 4.125%
HK$42,679
baseline
▲ 0.50% · 4.625%
HK$44,929
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,358/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,030 · Scale 2, in force from 26 Feb 2026)