LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,085
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,741
−HK$666/mo
Today · 4.125%
HK$22,407
baseline
▲ 0.50% · 4.625%
HK$23,771
+HK$1,364/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,814/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,457
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$638/mo
Today · 4.125%
HK$24,724
baseline
▲ 0.50% · 4.625%
HK$26,028
+HK$1,304/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,448/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,302
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,089
−HK$800/mo
Today · 4.125%
HK$26,889
baseline
▲ 0.50% · 4.625%
HK$28,525
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,778/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,148
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,903
−HK$766/mo
Today · 4.125%
HK$29,669
baseline
▲ 0.50% · 4.625%
HK$31,233
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,338/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,519
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,437
−HK$933/mo
Today · 4.125%
HK$31,370
baseline
▲ 0.50% · 4.625%
HK$33,279
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,740/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,840
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,721
−HK$893/mo
Today · 4.125%
HK$34,614
baseline
▲ 0.50% · 4.625%
HK$36,439
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,228/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,953
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,134
−HK$1,199/mo
Today · 4.125%
HK$40,333
baseline
▲ 0.50% · 4.625%
HK$42,788
+HK$2,455/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,666/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,223
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,355
−HK$1,149/mo
Today · 4.125%
HK$44,504
baseline
▲ 0.50% · 4.625%
HK$46,850
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,008/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,685 · Scale 2, in force from 26 Feb 2026)