LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,050
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,705
−HK$665/mo
Today · 4.125%
HK$22,370
baseline
▲ 0.50% · 4.625%
HK$23,732
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,740/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,418
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,046
−HK$638/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$25,985
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,261
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$799/mo
Today · 4.125%
HK$26,845
baseline
▲ 0.50% · 4.625%
HK$28,478
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,690/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,102
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,856
−HK$764/mo
Today · 4.125%
HK$29,620
baseline
▲ 0.50% · 4.625%
HK$31,182
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,240/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,471
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,387
−HK$932/mo
Today · 4.125%
HK$31,319
baseline
▲ 0.50% · 4.625%
HK$33,224
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,638/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,786
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,665
−HK$892/mo
Today · 4.125%
HK$34,557
baseline
▲ 0.50% · 4.625%
HK$36,379
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,114/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,891
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,069
−HK$1,198/mo
Today · 4.125%
HK$40,267
baseline
▲ 0.50% · 4.625%
HK$42,717
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,534/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,153
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,284
−HK$1,147/mo
Today · 4.125%
HK$44,431
baseline
▲ 0.50% · 4.625%
HK$46,773
+HK$2,342/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,862/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,162 · Scale 2, in force from 26 Feb 2026)