LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,457
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,124
−HK$678/mo
Today · 4.125%
HK$22,802
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,388/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,604/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,871
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$649/mo
Today · 4.125%
HK$25,160
baseline
▲ 0.50% · 4.625%
HK$26,486
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,320/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,549
−HK$814/mo
Today · 4.125%
HK$27,363
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,726/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,645
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$779/mo
Today · 4.125%
HK$30,192
baseline
▲ 0.50% · 4.625%
HK$31,784
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,384/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,040
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,974
−HK$949/mo
Today · 4.125%
HK$31,923
baseline
▲ 0.50% · 4.625%
HK$33,866
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,846/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,419
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,315
−HK$909/mo
Today · 4.125%
HK$35,224
baseline
▲ 0.50% · 4.625%
HK$37,081
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,448/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,622
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,824
−HK$1,220/mo
Today · 4.125%
HK$41,044
baseline
▲ 0.50% · 4.625%
HK$43,542
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,088/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,967
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,119
−HK$1,169/mo
Today · 4.125%
HK$45,288
baseline
▲ 0.50% · 4.625%
HK$47,676
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,576/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,987 · Scale 2, in force from 26 Feb 2026)