LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,082
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,737
−HK$667/mo
Today · 4.125%
HK$22,404
baseline
▲ 0.50% · 4.625%
HK$23,767
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,808/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,453
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$638/mo
Today · 4.125%
HK$24,720
baseline
▲ 0.50% · 4.625%
HK$26,023
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,440/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,298
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,085
−HK$799/mo
Today · 4.125%
HK$26,884
baseline
▲ 0.50% · 4.625%
HK$28,520
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,768/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,144
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,899
−HK$765/mo
Today · 4.125%
HK$29,664
baseline
▲ 0.50% · 4.625%
HK$31,228
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,328/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,514
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,432
−HK$933/mo
Today · 4.125%
HK$31,365
baseline
▲ 0.50% · 4.625%
HK$33,274
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,730/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,834
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$893/mo
Today · 4.125%
HK$34,608
baseline
▲ 0.50% · 4.625%
HK$36,433
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,216/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,947
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,200/mo
Today · 4.125%
HK$40,327
baseline
▲ 0.50% · 4.625%
HK$42,780
+HK$2,453/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,654/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,216
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,348
−HK$1,148/mo
Today · 4.125%
HK$44,496
baseline
▲ 0.50% · 4.625%
HK$46,842
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$88,992/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,530 · Scale 2, in force from 26 Feb 2026)