LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,794
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,440
−HK$658/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,442
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,753
−HK$629/mo
Today · 4.125%
HK$24,382
baseline
▲ 0.50% · 4.625%
HK$25,668
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,764/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,952
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,728
−HK$789/mo
Today · 4.125%
HK$26,517
baseline
▲ 0.50% · 4.625%
HK$28,131
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,034/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,759
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,504
−HK$755/mo
Today · 4.125%
HK$29,259
baseline
▲ 0.50% · 4.625%
HK$30,801
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,518/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,111
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,017
−HK$920/mo
Today · 4.125%
HK$30,937
baseline
▲ 0.50% · 4.625%
HK$32,819
+HK$1,882/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,874/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,386
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$881/mo
Today · 4.125%
HK$34,135
baseline
▲ 0.50% · 4.625%
HK$35,935
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,270/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,429
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,593
−HK$1,183/mo
Today · 4.125%
HK$39,776
baseline
▲ 0.50% · 4.625%
HK$42,196
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,552/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,639
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,756
−HK$1,132/mo
Today · 4.125%
HK$43,888
baseline
▲ 0.50% · 4.625%
HK$46,202
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,776/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,898 · Scale 2, in force from 26 Feb 2026)