LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,089
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,745
−HK$667/mo
Today · 4.125%
HK$22,412
baseline
▲ 0.50% · 4.625%
HK$23,776
+HK$1,364/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,824/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,462
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,091
−HK$638/mo
Today · 4.125%
HK$24,729
baseline
▲ 0.50% · 4.625%
HK$26,033
+HK$1,304/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,458/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,307
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,094
−HK$800/mo
Today · 4.125%
HK$26,894
baseline
▲ 0.50% · 4.625%
HK$28,531
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,788/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,154
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,909
−HK$766/mo
Today · 4.125%
HK$29,675
baseline
▲ 0.50% · 4.625%
HK$31,239
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,350/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,525
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,444
−HK$933/mo
Today · 4.125%
HK$31,377
baseline
▲ 0.50% · 4.625%
HK$33,286
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,754/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,846
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,727
−HK$894/mo
Today · 4.125%
HK$34,621
baseline
▲ 0.50% · 4.625%
HK$36,446
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,242/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,961
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,142
−HK$1,199/mo
Today · 4.125%
HK$40,341
baseline
▲ 0.50% · 4.625%
HK$42,796
+HK$2,455/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,682/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,231
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,364
−HK$1,149/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$46,859
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,868 · Scale 2, in force from 26 Feb 2026)