LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,843
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,492
−HK$658/mo
Today · 4.125%
HK$22,150
baseline
▲ 0.50% · 4.625%
HK$23,498
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,300/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,188
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,810
−HK$631/mo
Today · 4.125%
HK$24,441
baseline
▲ 0.50% · 4.625%
HK$25,729
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,882/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,012
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,790
−HK$791/mo
Today · 4.125%
HK$26,581
baseline
▲ 0.50% · 4.625%
HK$28,198
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,162/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,826
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,572
−HK$757/mo
Today · 4.125%
HK$29,329
baseline
▲ 0.50% · 4.625%
HK$30,875
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,658/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,181
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,088
−HK$923/mo
Today · 4.125%
HK$31,011
baseline
▲ 0.50% · 4.625%
HK$32,898
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,022/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,463
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,334
−HK$883/mo
Today · 4.125%
HK$34,217
baseline
▲ 0.50% · 4.625%
HK$36,021
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,434/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,518
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,685
−HK$1,186/mo
Today · 4.125%
HK$39,871
baseline
▲ 0.50% · 4.625%
HK$42,297
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,742/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,739
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,858
−HK$1,136/mo
Today · 4.125%
HK$43,994
baseline
▲ 0.50% · 4.625%
HK$46,313
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,988/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,082 · Scale 2, in force from 26 Feb 2026)