LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,082
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,738
−HK$666/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$294,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,453
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$639/mo
Today · 4.125%
HK$24,721
baseline
▲ 0.50% · 4.625%
HK$26,024
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,442/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,298
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,085
−HK$800/mo
Today · 4.125%
HK$26,885
baseline
▲ 0.50% · 4.625%
HK$28,521
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,770/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,144
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,899
−HK$766/mo
Today · 4.125%
HK$29,665
baseline
▲ 0.50% · 4.625%
HK$31,228
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,330/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,515
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,433
−HK$933/mo
Today · 4.125%
HK$31,366
baseline
▲ 0.50% · 4.625%
HK$33,274
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,732/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,835
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$894/mo
Today · 4.125%
HK$34,609
baseline
▲ 0.50% · 4.625%
HK$36,433
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,218/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,948
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,128
−HK$1,199/mo
Today · 4.125%
HK$40,327
baseline
▲ 0.50% · 4.625%
HK$42,781
+HK$2,454/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$294,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,216
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,348
−HK$1,149/mo
Today · 4.125%
HK$44,497
baseline
▲ 0.50% · 4.625%
HK$46,843
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$88,994/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,543 · Scale 2, in force from 26 Feb 2026)