LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,624
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,297
−HK$683/mo
Today · 4.125%
HK$22,980
baseline
▲ 0.50% · 4.625%
HK$24,379
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,960/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,057
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,702
−HK$654/mo
Today · 4.125%
HK$25,356
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,712/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,949
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,756
−HK$820/mo
Today · 4.125%
HK$27,576
baseline
▲ 0.50% · 4.625%
HK$29,254
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,152/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,868
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,642
−HK$786/mo
Today · 4.125%
HK$30,428
baseline
▲ 0.50% · 4.625%
HK$32,032
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,856/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,274
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,216
−HK$956/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$34,130
+HK$1,958/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,583
−HK$916/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,370
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,924
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,134
−HK$1,230/mo
Today · 4.125%
HK$41,364
baseline
▲ 0.50% · 4.625%
HK$43,881
+HK$2,517/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,728/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,302
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,463
−HK$1,179/mo
Today · 4.125%
HK$45,642
baseline
▲ 0.50% · 4.625%
HK$48,047
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,284/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,325 · Scale 2, in force from 26 Feb 2026)