LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,567
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,207
−HK$650/mo
Today · 4.125%
HK$21,857
baseline
▲ 0.50% · 4.625%
HK$23,187
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,714/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,881
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,495
−HK$622/mo
Today · 4.125%
HK$24,117
baseline
▲ 0.50% · 4.625%
HK$25,389
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,234/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,681
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,449
−HK$780/mo
Today · 4.125%
HK$26,229
baseline
▲ 0.50% · 4.625%
HK$27,825
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,458/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,457
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,194
−HK$747/mo
Today · 4.125%
HK$28,941
baseline
▲ 0.50% · 4.625%
HK$30,466
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,882/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,794
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,690
−HK$910/mo
Today · 4.125%
HK$30,600
baseline
▲ 0.50% · 4.625%
HK$32,462
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,200/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,034
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,893
−HK$871/mo
Today · 4.125%
HK$33,764
baseline
▲ 0.50% · 4.625%
HK$35,544
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,528/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,021
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,173
−HK$1,170/mo
Today · 4.125%
HK$39,343
baseline
▲ 0.50% · 4.625%
HK$41,737
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,686/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,186
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,291
−HK$1,120/mo
Today · 4.125%
HK$43,411
baseline
▲ 0.50% · 4.625%
HK$45,699
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,822/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,982 · Scale 2, in force from 26 Feb 2026)