LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,812
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,460
−HK$657/mo
Today · 4.125%
HK$22,117
baseline
▲ 0.50% · 4.625%
HK$23,463
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,234/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,154
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,775
−HK$629/mo
Today · 4.125%
HK$24,404
baseline
▲ 0.50% · 4.625%
HK$25,691
+HK$1,287/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,808/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,975
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,752
−HK$789/mo
Today · 4.125%
HK$26,541
baseline
▲ 0.50% · 4.625%
HK$28,156
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,082/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,784
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,529
−HK$756/mo
Today · 4.125%
HK$29,285
baseline
▲ 0.50% · 4.625%
HK$30,829
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,570/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,137
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$920/mo
Today · 4.125%
HK$30,964
baseline
▲ 0.50% · 4.625%
HK$32,849
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,928/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,415
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,284
−HK$882/mo
Today · 4.125%
HK$34,166
baseline
▲ 0.50% · 4.625%
HK$35,967
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,332/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,462
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,628
−HK$1,183/mo
Today · 4.125%
HK$39,811
baseline
▲ 0.50% · 4.625%
HK$42,234
+HK$2,423/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$79,622/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,676
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,794
−HK$1,134/mo
Today · 4.125%
HK$43,928
baseline
▲ 0.50% · 4.625%
HK$46,244
+HK$2,316/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$87,856/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,721 · Scale 2, in force from 26 Feb 2026)