LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,139
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$668/mo
Today · 4.125%
HK$22,464
baseline
▲ 0.50% · 4.625%
HK$23,831
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,928/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,517
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,147
−HK$640/mo
Today · 4.125%
HK$24,787
baseline
▲ 0.50% · 4.625%
HK$26,094
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,574/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,367
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,156
−HK$801/mo
Today · 4.125%
HK$26,957
baseline
▲ 0.50% · 4.625%
HK$28,598
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,914/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,220
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,977
−HK$768/mo
Today · 4.125%
HK$29,745
baseline
▲ 0.50% · 4.625%
HK$31,313
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,490/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,594
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,515
−HK$935/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,364
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,923
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,806
−HK$896/mo
Today · 4.125%
HK$34,702
baseline
▲ 0.50% · 4.625%
HK$36,531
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,404/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,050
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,234
−HK$1,202/mo
Today · 4.125%
HK$40,436
baseline
▲ 0.50% · 4.625%
HK$42,896
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,872/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,330
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,465
−HK$1,152/mo
Today · 4.125%
HK$44,617
baseline
▲ 0.50% · 4.625%
HK$46,969
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,234/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,039 · Scale 2, in force from 26 Feb 2026)