LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,344
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$674/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$24,063
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,745
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$646/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,347
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,613
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$810/mo
Today · 4.125%
HK$27,219
baseline
▲ 0.50% · 4.625%
HK$28,875
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,438/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,494
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,258
−HK$775/mo
Today · 4.125%
HK$30,033
baseline
▲ 0.50% · 4.625%
HK$31,616
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,066/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,882
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,811
−HK$944/mo
Today · 4.125%
HK$31,755
baseline
▲ 0.50% · 4.625%
HK$33,688
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,510/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,243
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,134
−HK$905/mo
Today · 4.125%
HK$35,039
baseline
▲ 0.50% · 4.625%
HK$36,886
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,078/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,419
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,614
−HK$1,214/mo
Today · 4.125%
HK$40,828
baseline
▲ 0.50% · 4.625%
HK$43,313
+HK$2,485/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,656/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,741
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,887
−HK$1,163/mo
Today · 4.125%
HK$45,050
baseline
▲ 0.50% · 4.625%
HK$47,425
+HK$2,375/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,100/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,034 · Scale 2, in force from 26 Feb 2026)