LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,639
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,281
−HK$652/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,268
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,961
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,576
−HK$625/mo
Today · 4.125%
HK$24,201
baseline
▲ 0.50% · 4.625%
HK$25,477
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,402/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,767
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,537
−HK$783/mo
Today · 4.125%
HK$26,320
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,640/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,553
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,292
−HK$749/mo
Today · 4.125%
HK$29,041
baseline
▲ 0.50% · 4.625%
HK$30,572
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,082/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,894
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,793
−HK$913/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,575
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,145
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,007
−HK$875/mo
Today · 4.125%
HK$33,882
baseline
▲ 0.50% · 4.625%
HK$35,667
+HK$1,785/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,764/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,150
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,306
−HK$1,174/mo
Today · 4.125%
HK$39,480
baseline
▲ 0.50% · 4.625%
HK$41,882
+HK$2,402/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,960/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,329
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,437
−HK$1,125/mo
Today · 4.125%
HK$43,562
baseline
▲ 0.50% · 4.625%
HK$45,858
+HK$2,296/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,124/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,114 · Scale 2, in force from 26 Feb 2026)