LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,203
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,862
−HK$670/mo
Today · 4.125%
HK$22,532
baseline
▲ 0.50% · 4.625%
HK$23,903
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,064/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,220
−HK$642/mo
Today · 4.125%
HK$24,862
baseline
▲ 0.50% · 4.625%
HK$26,173
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,724/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,443
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,234
−HK$805/mo
Today · 4.125%
HK$27,039
baseline
▲ 0.50% · 4.625%
HK$28,684
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,078/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,305
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,064
−HK$770/mo
Today · 4.125%
HK$29,834
baseline
▲ 0.50% · 4.625%
HK$31,407
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,668/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,684
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,607
−HK$938/mo
Today · 4.125%
HK$31,545
baseline
▲ 0.50% · 4.625%
HK$33,464
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,090/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,023
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,908
−HK$899/mo
Today · 4.125%
HK$34,807
baseline
▲ 0.50% · 4.625%
HK$36,642
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,614/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,165
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,352
−HK$1,206/mo
Today · 4.125%
HK$40,558
baseline
▲ 0.50% · 4.625%
HK$43,026
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,116/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,458
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,596
−HK$1,156/mo
Today · 4.125%
HK$44,752
baseline
▲ 0.50% · 4.625%
HK$47,111
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,504/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,832 · Scale 2, in force from 26 Feb 2026)