LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,725
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,370
−HK$655/mo
Today · 4.125%
HK$22,025
baseline
▲ 0.50% · 4.625%
HK$23,365
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,050/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,057
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,675
−HK$628/mo
Today · 4.125%
HK$24,303
baseline
▲ 0.50% · 4.625%
HK$25,584
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,606/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,871
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,644
−HK$786/mo
Today · 4.125%
HK$26,430
baseline
▲ 0.50% · 4.625%
HK$28,038
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,860/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,668
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,410
−HK$753/mo
Today · 4.125%
HK$29,163
baseline
▲ 0.50% · 4.625%
HK$30,700
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,326/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,016
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,918
−HK$917/mo
Today · 4.125%
HK$30,835
baseline
▲ 0.50% · 4.625%
HK$32,711
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,670/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,280
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,145
−HK$879/mo
Today · 4.125%
HK$34,024
baseline
▲ 0.50% · 4.625%
HK$35,817
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,048/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,306
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,466
−HK$1,179/mo
Today · 4.125%
HK$39,645
baseline
▲ 0.50% · 4.625%
HK$42,057
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,290/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,502
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,615
−HK$1,130/mo
Today · 4.125%
HK$43,745
baseline
▲ 0.50% · 4.625%
HK$46,050
+HK$2,305/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,490/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,908 · Scale 2, in force from 26 Feb 2026)