LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,717
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,361
−HK$655/mo
Today · 4.125%
HK$22,016
baseline
▲ 0.50% · 4.625%
HK$23,356
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,032/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,047
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,666
−HK$627/mo
Today · 4.125%
HK$24,293
baseline
▲ 0.50% · 4.625%
HK$25,573
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,586/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,860
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,634
−HK$785/mo
Today · 4.125%
HK$26,419
baseline
▲ 0.50% · 4.625%
HK$28,027
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,838/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,657
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,399
−HK$752/mo
Today · 4.125%
HK$29,151
baseline
▲ 0.50% · 4.625%
HK$30,688
+HK$1,537/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,302/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,906
−HK$917/mo
Today · 4.125%
HK$30,823
baseline
▲ 0.50% · 4.625%
HK$32,698
+HK$1,875/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,646/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,266
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,132
−HK$878/mo
Today · 4.125%
HK$34,010
baseline
▲ 0.50% · 4.625%
HK$35,802
+HK$1,792/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,020/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,291
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,450
−HK$1,179/mo
Today · 4.125%
HK$39,629
baseline
▲ 0.50% · 4.625%
HK$42,040
+HK$2,411/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,258/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,485
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,598
−HK$1,129/mo
Today · 4.125%
HK$43,727
baseline
▲ 0.50% · 4.625%
HK$46,032
+HK$2,305/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,454/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,537 · Scale 2, in force from 26 Feb 2026)