LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,759
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,404
−HK$656/mo
Today · 4.125%
HK$22,060
baseline
▲ 0.50% · 4.625%
HK$23,403
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,120/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,094
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$628/mo
Today · 4.125%
HK$24,341
baseline
▲ 0.50% · 4.625%
HK$25,624
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,682/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,910
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,685
−HK$787/mo
Today · 4.125%
HK$26,472
baseline
▲ 0.50% · 4.625%
HK$28,083
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,944/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,712
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,456
−HK$754/mo
Today · 4.125%
HK$29,210
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,420/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,062
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,966
−HK$918/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,764
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,331
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,198
−HK$880/mo
Today · 4.125%
HK$34,078
baseline
▲ 0.50% · 4.625%
HK$35,874
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,156/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,365
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,528
−HK$1,181/mo
Today · 4.125%
HK$39,709
baseline
▲ 0.50% · 4.625%
HK$42,125
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,418/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,569
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,683
−HK$1,131/mo
Today · 4.125%
HK$43,814
baseline
▲ 0.50% · 4.625%
HK$46,124
+HK$2,310/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,628/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,360 · Scale 2, in force from 26 Feb 2026)