LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,371
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$644/mo
Today · 4.125%
HK$21,649
baseline
▲ 0.50% · 4.625%
HK$22,966
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,298/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$268,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,663
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$616/mo
Today · 4.125%
HK$23,887
baseline
▲ 0.50% · 4.625%
HK$25,146
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,774/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$268,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,446
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,206
−HK$773/mo
Today · 4.125%
HK$25,979
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,958/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,195
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,925
−HK$740/mo
Today · 4.125%
HK$28,665
baseline
▲ 0.50% · 4.625%
HK$30,176
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,330/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,520
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,407
−HK$901/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$32,153
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,728
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,579
−HK$863/mo
Today · 4.125%
HK$33,442
baseline
▲ 0.50% · 4.625%
HK$35,205
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,884/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,668
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,809
−HK$1,159/mo
Today · 4.125%
HK$38,968
baseline
▲ 0.50% · 4.625%
HK$41,339
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,936/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,793
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,887
−HK$1,110/mo
Today · 4.125%
HK$42,997
baseline
▲ 0.50% · 4.625%
HK$45,264
+HK$2,267/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,994/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,014 · Scale 2, in force from 26 Feb 2026)