LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,188
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,847
−HK$670/mo
Today · 4.125%
HK$22,517
baseline
▲ 0.50% · 4.625%
HK$23,887
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,034/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,572
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,204
−HK$641/mo
Today · 4.125%
HK$24,845
baseline
▲ 0.50% · 4.625%
HK$26,155
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,690/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,426
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,217
−HK$803/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,665
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,286
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,045
−HK$769/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,386
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,664
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,586
−HK$938/mo
Today · 4.125%
HK$31,524
baseline
▲ 0.50% · 4.625%
HK$33,442
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,048/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,000
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,886
−HK$897/mo
Today · 4.125%
HK$34,783
baseline
▲ 0.50% · 4.625%
HK$36,617
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,566/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,139
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,325
−HK$1,206/mo
Today · 4.125%
HK$40,531
baseline
▲ 0.50% · 4.625%
HK$42,997
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,062/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,429
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,567
−HK$1,154/mo
Today · 4.125%
HK$44,721
baseline
▲ 0.50% · 4.625%
HK$47,079
+HK$2,358/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,442/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,207 · Scale 2, in force from 26 Feb 2026)