LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,088
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$666/mo
Today · 4.125%
HK$22,410
baseline
▲ 0.50% · 4.625%
HK$23,774
+HK$1,364/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,820/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,460
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,089
−HK$638/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,031
+HK$1,304/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,305
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,092
−HK$800/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,528
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,784/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,152
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,907
−HK$766/mo
Today · 4.125%
HK$29,673
baseline
▲ 0.50% · 4.625%
HK$31,237
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,346/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,523
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$933/mo
Today · 4.125%
HK$31,374
baseline
▲ 0.50% · 4.625%
HK$33,283
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,748/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,844
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,725
−HK$893/mo
Today · 4.125%
HK$34,618
baseline
▲ 0.50% · 4.625%
HK$36,443
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,236/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,958
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,138
−HK$1,200/mo
Today · 4.125%
HK$40,338
baseline
▲ 0.50% · 4.625%
HK$42,792
+HK$2,454/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,676/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,228
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,360
−HK$1,149/mo
Today · 4.125%
HK$44,509
baseline
▲ 0.50% · 4.625%
HK$46,855
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,018/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,792 · Scale 2, in force from 26 Feb 2026)