LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,575
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,246
−HK$682/mo
Today · 4.125%
HK$22,928
baseline
▲ 0.50% · 4.625%
HK$24,323
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,856/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,002
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,646
−HK$653/mo
Today · 4.125%
HK$25,299
baseline
▲ 0.50% · 4.625%
HK$26,632
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,598/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,890
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,695
−HK$818/mo
Today · 4.125%
HK$27,513
baseline
▲ 0.50% · 4.625%
HK$29,188
+HK$1,675/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,026/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,802
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,575
−HK$783/mo
Today · 4.125%
HK$30,358
baseline
▲ 0.50% · 4.625%
HK$31,959
+HK$1,601/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,716/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,205
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,144
−HK$955/mo
Today · 4.125%
HK$32,099
baseline
▲ 0.50% · 4.625%
HK$34,052
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,198/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,603
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,504
−HK$914/mo
Today · 4.125%
HK$35,418
baseline
▲ 0.50% · 4.625%
HK$37,285
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,836/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,835
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,043
−HK$1,227/mo
Today · 4.125%
HK$41,270
baseline
▲ 0.50% · 4.625%
HK$43,781
+HK$2,511/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,540/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,203
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,362
−HK$1,176/mo
Today · 4.125%
HK$45,538
baseline
▲ 0.50% · 4.625%
HK$47,938
+HK$2,400/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,076/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,163 · Scale 2, in force from 26 Feb 2026)