LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,195
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,855
−HK$670/mo
Today · 4.125%
HK$22,525
baseline
▲ 0.50% · 4.625%
HK$23,895
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,050/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,580
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,212
−HK$642/mo
Today · 4.125%
HK$24,854
baseline
▲ 0.50% · 4.625%
HK$26,164
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,708/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,435
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$804/mo
Today · 4.125%
HK$27,030
baseline
▲ 0.50% · 4.625%
HK$28,674
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,060/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,296
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,055
−HK$769/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,397
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,674
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$937/mo
Today · 4.125%
HK$31,534
baseline
▲ 0.50% · 4.625%
HK$33,453
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,068/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,012
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,897
−HK$898/mo
Today · 4.125%
HK$34,795
baseline
▲ 0.50% · 4.625%
HK$36,629
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,590/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,152
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,339
−HK$1,205/mo
Today · 4.125%
HK$40,544
baseline
▲ 0.50% · 4.625%
HK$43,011
+HK$2,467/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,088/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,444
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,582
−HK$1,155/mo
Today · 4.125%
HK$44,737
baseline
▲ 0.50% · 4.625%
HK$47,095
+HK$2,358/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,474/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,522 · Scale 2, in force from 26 Feb 2026)