LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,398
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,063
−HK$676/mo
Today · 4.125%
HK$22,739
baseline
▲ 0.50% · 4.625%
HK$24,123
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,478/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,805
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,443
−HK$648/mo
Today · 4.125%
HK$25,091
baseline
▲ 0.50% · 4.625%
HK$26,413
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,182/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,677
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,476
−HK$811/mo
Today · 4.125%
HK$27,287
baseline
▲ 0.50% · 4.625%
HK$28,948
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,574/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,565
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,332
−HK$777/mo
Today · 4.125%
HK$30,109
baseline
▲ 0.50% · 4.625%
HK$31,696
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,218/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,957
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,888
−HK$947/mo
Today · 4.125%
HK$31,835
baseline
▲ 0.50% · 4.625%
HK$33,772
+HK$1,937/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,670/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,326
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,220
−HK$907/mo
Today · 4.125%
HK$35,127
baseline
▲ 0.50% · 4.625%
HK$36,979
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,254/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,516
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,714
−HK$1,217/mo
Today · 4.125%
HK$40,931
baseline
▲ 0.50% · 4.625%
HK$43,421
+HK$2,490/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$81,862/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,848
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,997
−HK$1,166/mo
Today · 4.125%
HK$45,163
baseline
▲ 0.50% · 4.625%
HK$47,544
+HK$2,381/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$90,326/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,384 · Scale 2, in force from 26 Feb 2026)