LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,546
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,185
−HK$650/mo
Today · 4.125%
HK$21,835
baseline
▲ 0.50% · 4.625%
HK$23,163
+HK$1,328/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,670/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,858
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,471
−HK$621/mo
Today · 4.125%
HK$24,092
baseline
▲ 0.50% · 4.625%
HK$25,362
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,184/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,656
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,422
−HK$780/mo
Today · 4.125%
HK$26,202
baseline
▲ 0.50% · 4.625%
HK$27,796
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,404/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,429
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,165
−HK$746/mo
Today · 4.125%
HK$28,911
baseline
▲ 0.50% · 4.625%
HK$30,435
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,822/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,765
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,660
−HK$909/mo
Today · 4.125%
HK$30,569
baseline
▲ 0.50% · 4.625%
HK$32,429
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,138/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,001
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,859
−HK$870/mo
Today · 4.125%
HK$33,729
baseline
▲ 0.50% · 4.625%
HK$35,507
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,458/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,983
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,134
−HK$1,168/mo
Today · 4.125%
HK$39,302
baseline
▲ 0.50% · 4.625%
HK$41,694
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,604/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,144
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,247
−HK$1,119/mo
Today · 4.125%
HK$43,366
baseline
▲ 0.50% · 4.625%
HK$45,652
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,732/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,051 · Scale 2, in force from 26 Feb 2026)