LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,966
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$662/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,324
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$634/mo
Today · 4.125%
HK$24,584
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,168/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,159
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,941
−HK$795/mo
Today · 4.125%
HK$26,736
baseline
▲ 0.50% · 4.625%
HK$28,363
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,472/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,989
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,740
−HK$761/mo
Today · 4.125%
HK$29,501
baseline
▲ 0.50% · 4.625%
HK$31,056
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,002/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,352
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,265
−HK$928/mo
Today · 4.125%
HK$31,193
baseline
▲ 0.50% · 4.625%
HK$33,091
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,386/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,654
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$889/mo
Today · 4.125%
HK$34,418
baseline
▲ 0.50% · 4.625%
HK$36,232
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,836/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,738
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,912
−HK$1,193/mo
Today · 4.125%
HK$40,105
baseline
▲ 0.50% · 4.625%
HK$42,545
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,210/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,983
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,109
−HK$1,143/mo
Today · 4.125%
HK$44,252
baseline
▲ 0.50% · 4.625%
HK$46,584
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,504/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,443 · Scale 2, in force from 26 Feb 2026)