LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,696
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$686/mo
Today · 4.125%
HK$23,057
baseline
▲ 0.50% · 4.625%
HK$24,460
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,114/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,137
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$657/mo
Today · 4.125%
HK$25,441
baseline
▲ 0.50% · 4.625%
HK$26,782
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,882/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,035
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,845
−HK$823/mo
Today · 4.125%
HK$27,668
baseline
▲ 0.50% · 4.625%
HK$29,351
+HK$1,683/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,336/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,964
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,741
−HK$788/mo
Today · 4.125%
HK$30,529
baseline
▲ 0.50% · 4.625%
HK$32,138
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,058/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,375
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$960/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$34,243
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,558/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,791
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,698
−HK$919/mo
Today · 4.125%
HK$35,617
baseline
▲ 0.50% · 4.625%
HK$37,494
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,234/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,053
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,268
−HK$1,234/mo
Today · 4.125%
HK$41,502
baseline
▲ 0.50% · 4.625%
HK$44,027
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$83,004/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,446
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,611
−HK$1,182/mo
Today · 4.125%
HK$45,793
baseline
▲ 0.50% · 4.625%
HK$48,207
+HK$2,414/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,586/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,476 · Scale 2, in force from 26 Feb 2026)