LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,759
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,405
−HK$656/mo
Today · 4.125%
HK$22,061
baseline
▲ 0.50% · 4.625%
HK$23,403
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,122/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,094
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$629/mo
Today · 4.125%
HK$24,342
baseline
▲ 0.50% · 4.625%
HK$25,625
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,684/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,685
−HK$788/mo
Today · 4.125%
HK$26,473
baseline
▲ 0.50% · 4.625%
HK$28,083
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,946/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,713
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,456
−HK$754/mo
Today · 4.125%
HK$29,210
baseline
▲ 0.50% · 4.625%
HK$30,750
+HK$1,540/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$280,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,062
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,966
−HK$919/mo
Today · 4.125%
HK$30,885
baseline
▲ 0.50% · 4.625%
HK$32,764
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,770/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,332
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,199
−HK$879/mo
Today · 4.125%
HK$34,078
baseline
▲ 0.50% · 4.625%
HK$35,875
+HK$1,797/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$280,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,366
−HK$2,343/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$280,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,569
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,684
−HK$1,131/mo
Today · 4.125%
HK$43,815
baseline
▲ 0.50% · 4.625%
HK$46,125
+HK$2,310/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,630/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,372 · Scale 2, in force from 26 Feb 2026)