LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,678
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,321
−HK$654/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,312
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,004
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$626/mo
Today · 4.125%
HK$24,247
baseline
▲ 0.50% · 4.625%
HK$25,525
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,494/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,814
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,585
−HK$785/mo
Today · 4.125%
HK$26,370
baseline
▲ 0.50% · 4.625%
HK$27,974
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,740/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,605
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,345
−HK$751/mo
Today · 4.125%
HK$29,096
baseline
▲ 0.50% · 4.625%
HK$30,630
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,192/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,949
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$915/mo
Today · 4.125%
HK$30,765
baseline
▲ 0.50% · 4.625%
HK$32,637
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,530/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,206
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,069
−HK$877/mo
Today · 4.125%
HK$33,946
baseline
▲ 0.50% · 4.625%
HK$35,735
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,892/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,220
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,378
−HK$1,177/mo
Today · 4.125%
HK$39,555
baseline
▲ 0.50% · 4.625%
HK$41,961
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,110/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,407
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,518
−HK$1,126/mo
Today · 4.125%
HK$43,644
baseline
▲ 0.50% · 4.625%
HK$45,945
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,288/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,830 · Scale 2, in force from 26 Feb 2026)