LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,684
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$685/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,446
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,123
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,770
−HK$657/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,767
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,854/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,021
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$823/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,335
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,948
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,724
−HK$788/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,120
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,358
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,302
−HK$959/mo
Today · 4.125%
HK$32,261
baseline
▲ 0.50% · 4.625%
HK$34,224
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,522/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,773
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,678
−HK$919/mo
Today · 4.125%
HK$35,597
baseline
▲ 0.50% · 4.625%
HK$37,474
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,194/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,031
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,234/mo
Today · 4.125%
HK$41,479
baseline
▲ 0.50% · 4.625%
HK$44,003
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,958/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,422
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,587
−HK$1,181/mo
Today · 4.125%
HK$45,768
baseline
▲ 0.50% · 4.625%
HK$48,180
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,536/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,949 · Scale 2, in force from 26 Feb 2026)