LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,364
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,029
−HK$675/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$24,085
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,768
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$647/mo
Today · 4.125%
HK$25,052
baseline
▲ 0.50% · 4.625%
HK$26,372
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,104/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,637
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,435
−HK$810/mo
Today · 4.125%
HK$27,245
baseline
▲ 0.50% · 4.625%
HK$28,903
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,490/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,521
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,286
−HK$776/mo
Today · 4.125%
HK$30,062
baseline
▲ 0.50% · 4.625%
HK$31,647
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,124/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,910
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,840
−HK$946/mo
Today · 4.125%
HK$31,786
baseline
▲ 0.50% · 4.625%
HK$33,720
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,572/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,275
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,167
−HK$905/mo
Today · 4.125%
HK$35,072
baseline
▲ 0.50% · 4.625%
HK$36,921
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,144/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,456
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,652
−HK$1,215/mo
Today · 4.125%
HK$40,867
baseline
▲ 0.50% · 4.625%
HK$43,354
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,734/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,782
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,929
−HK$1,164/mo
Today · 4.125%
HK$45,093
baseline
▲ 0.50% · 4.625%
HK$47,470
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,186/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,924 · Scale 2, in force from 26 Feb 2026)