LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,647
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,320
−HK$685/mo
Today · 4.125%
HK$23,005
baseline
▲ 0.50% · 4.625%
HK$24,404
+HK$1,399/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,010/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,082
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,728
−HK$655/mo
Today · 4.125%
HK$25,383
baseline
▲ 0.50% · 4.625%
HK$26,721
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,766/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,977
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,785
−HK$821/mo
Today · 4.125%
HK$27,606
baseline
▲ 0.50% · 4.625%
HK$29,285
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,212/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,899
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,674
−HK$786/mo
Today · 4.125%
HK$30,460
baseline
▲ 0.50% · 4.625%
HK$32,066
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,920/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,306
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,249
−HK$957/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$34,166
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,619
−HK$918/mo
Today · 4.125%
HK$35,537
baseline
▲ 0.50% · 4.625%
HK$37,410
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,074/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,965
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,177
−HK$1,231/mo
Today · 4.125%
HK$41,408
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,520/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,816/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,348
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,511
−HK$1,179/mo
Today · 4.125%
HK$45,690
baseline
▲ 0.50% · 4.625%
HK$48,098
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,380/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,330 · Scale 2, in force from 26 Feb 2026)