LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,832
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$658/mo
Today · 4.125%
HK$22,138
baseline
▲ 0.50% · 4.625%
HK$23,485
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,276/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,175
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,797
−HK$630/mo
Today · 4.125%
HK$24,427
baseline
▲ 0.50% · 4.625%
HK$25,715
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,854/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$790/mo
Today · 4.125%
HK$26,566
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,132/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,810
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,556
−HK$757/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$30,858
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,165
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,072
−HK$922/mo
Today · 4.125%
HK$30,994
baseline
▲ 0.50% · 4.625%
HK$32,880
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$61,988/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,446
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$882/mo
Today · 4.125%
HK$34,198
baseline
▲ 0.50% · 4.625%
HK$36,001
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,396/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,498
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,664
−HK$1,185/mo
Today · 4.125%
HK$39,849
baseline
▲ 0.50% · 4.625%
HK$42,274
+HK$2,425/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,698/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,716
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,834
−HK$1,135/mo
Today · 4.125%
HK$43,969
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,318/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,938/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,581 · Scale 2, in force from 26 Feb 2026)