LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,786
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,433
−HK$657/mo
Today · 4.125%
HK$22,090
baseline
▲ 0.50% · 4.625%
HK$23,434
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,180/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,125
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,745
−HK$629/mo
Today · 4.125%
HK$24,374
baseline
▲ 0.50% · 4.625%
HK$25,659
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,748/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,944
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$789/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,494
−HK$755/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,541/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,101
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,006
−HK$920/mo
Today · 4.125%
HK$30,926
baseline
▲ 0.50% · 4.625%
HK$32,807
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,852/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,243
−HK$880/mo
Today · 4.125%
HK$34,123
baseline
▲ 0.50% · 4.625%
HK$35,922
+HK$1,799/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,246/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,415
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,579
−HK$1,183/mo
Today · 4.125%
HK$39,762
baseline
▲ 0.50% · 4.625%
HK$42,181
+HK$2,419/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$79,524/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,624
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,741
−HK$1,132/mo
Today · 4.125%
HK$43,873
baseline
▲ 0.50% · 4.625%
HK$46,186
+HK$2,313/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$87,746/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,577 · Scale 2, in force from 26 Feb 2026)