LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,204
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$670/mo
Today · 4.125%
HK$22,534
baseline
▲ 0.50% · 4.625%
HK$23,905
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,068/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,589
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,222
−HK$642/mo
Today · 4.125%
HK$24,864
baseline
▲ 0.50% · 4.625%
HK$26,175
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,728/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,445
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$805/mo
Today · 4.125%
HK$27,041
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,082/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,307
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$770/mo
Today · 4.125%
HK$29,837
baseline
▲ 0.50% · 4.625%
HK$31,409
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,674/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,686
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$938/mo
Today · 4.125%
HK$31,547
baseline
▲ 0.50% · 4.625%
HK$33,467
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,094/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,025
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,911
−HK$898/mo
Today · 4.125%
HK$34,809
baseline
▲ 0.50% · 4.625%
HK$36,644
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,618/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,168
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,206/mo
Today · 4.125%
HK$40,561
baseline
▲ 0.50% · 4.625%
HK$43,029
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,122/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,461
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,600
−HK$1,155/mo
Today · 4.125%
HK$44,755
baseline
▲ 0.50% · 4.625%
HK$47,114
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,510/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,903 · Scale 2, in force from 26 Feb 2026)