LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,429
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$646/mo
Today · 4.125%
HK$21,710
baseline
▲ 0.50% · 4.625%
HK$23,031
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,420/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,727
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$619/mo
Today · 4.125%
HK$23,955
baseline
▲ 0.50% · 4.625%
HK$25,217
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,910/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,515
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$775/mo
Today · 4.125%
HK$26,052
baseline
▲ 0.50% · 4.625%
HK$27,637
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,104/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,272
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,004
−HK$742/mo
Today · 4.125%
HK$28,746
baseline
▲ 0.50% · 4.625%
HK$30,261
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,492/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,600
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,490
−HK$904/mo
Today · 4.125%
HK$30,394
baseline
▲ 0.50% · 4.625%
HK$32,243
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,788/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,818
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,671
−HK$866/mo
Today · 4.125%
HK$33,537
baseline
▲ 0.50% · 4.625%
HK$35,304
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,074/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,772
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,916
−HK$1,162/mo
Today · 4.125%
HK$39,078
baseline
▲ 0.50% · 4.625%
HK$41,456
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,156/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,908
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,006
−HK$1,113/mo
Today · 4.125%
HK$43,119
baseline
▲ 0.50% · 4.625%
HK$45,391
+HK$2,272/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,238/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,771 · Scale 2, in force from 26 Feb 2026)