LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,493
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,131
−HK$648/mo
Today · 4.125%
HK$21,779
baseline
▲ 0.50% · 4.625%
HK$23,104
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,558/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,799
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,410
−HK$620/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,297
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,592
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,357
−HK$777/mo
Today · 4.125%
HK$26,134
baseline
▲ 0.50% · 4.625%
HK$27,724
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,268/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,358
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$745/mo
Today · 4.125%
HK$28,837
baseline
▲ 0.50% · 4.625%
HK$30,357
+HK$1,520/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,674/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,691
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,583
−HK$907/mo
Today · 4.125%
HK$30,490
baseline
▲ 0.50% · 4.625%
HK$32,345
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,980/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,918
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,774
−HK$869/mo
Today · 4.125%
HK$33,643
baseline
▲ 0.50% · 4.625%
HK$35,416
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,286/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,888
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,036
−HK$1,165/mo
Today · 4.125%
HK$39,201
baseline
▲ 0.50% · 4.625%
HK$41,587
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,402/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,038
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,117/mo
Today · 4.125%
HK$43,255
baseline
▲ 0.50% · 4.625%
HK$45,535
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,510/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,621 · Scale 2, in force from 26 Feb 2026)