LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,148
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,806
−HK$668/mo
Today · 4.125%
HK$22,474
baseline
▲ 0.50% · 4.625%
HK$23,842
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,948/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,527
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,158
−HK$640/mo
Today · 4.125%
HK$24,798
baseline
▲ 0.50% · 4.625%
HK$26,105
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,596/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,378
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,167
−HK$802/mo
Today · 4.125%
HK$26,969
baseline
▲ 0.50% · 4.625%
HK$28,610
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,938/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,232
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,989
−HK$769/mo
Today · 4.125%
HK$29,758
baseline
▲ 0.50% · 4.625%
HK$31,326
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,516/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,607
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,528
−HK$936/mo
Today · 4.125%
HK$31,464
baseline
▲ 0.50% · 4.625%
HK$33,378
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,928/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,938
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,821
−HK$896/mo
Today · 4.125%
HK$34,717
baseline
▲ 0.50% · 4.625%
HK$36,547
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,434/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,066
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,250
−HK$1,203/mo
Today · 4.125%
HK$40,453
baseline
▲ 0.50% · 4.625%
HK$42,915
+HK$2,462/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$80,906/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,348
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,484
−HK$1,152/mo
Today · 4.125%
HK$44,636
baseline
▲ 0.50% · 4.625%
HK$46,989
+HK$2,353/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$89,272/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,439 · Scale 2, in force from 26 Feb 2026)