LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,770
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,416
−HK$657/mo
Today · 4.125%
HK$22,073
baseline
▲ 0.50% · 4.625%
HK$23,416
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,146/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$280,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,107
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,726
−HK$629/mo
Today · 4.125%
HK$24,355
baseline
▲ 0.50% · 4.625%
HK$25,639
+HK$1,284/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,710/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$280,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,924
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,700
−HK$787/mo
Today · 4.125%
HK$26,487
baseline
▲ 0.50% · 4.625%
HK$28,099
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,974/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,728
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,472
−HK$754/mo
Today · 4.125%
HK$29,226
baseline
▲ 0.50% · 4.625%
HK$30,767
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,452/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,078
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,983
−HK$919/mo
Today · 4.125%
HK$30,902
baseline
▲ 0.50% · 4.625%
HK$32,782
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,804/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,349
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,217
−HK$880/mo
Today · 4.125%
HK$34,097
baseline
▲ 0.50% · 4.625%
HK$35,895
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,194/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,387
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,549
−HK$1,182/mo
Today · 4.125%
HK$39,731
baseline
▲ 0.50% · 4.625%
HK$42,149
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,462/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,592
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,708
−HK$1,131/mo
Today · 4.125%
HK$43,839
baseline
▲ 0.50% · 4.625%
HK$46,150
+HK$2,311/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,678/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,877 · Scale 2, in force from 26 Feb 2026)