LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,707
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,382
−HK$686/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,149
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,797
−HK$657/mo
Today · 4.125%
HK$25,454
baseline
▲ 0.50% · 4.625%
HK$26,795
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,908/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,049
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,859
−HK$823/mo
Today · 4.125%
HK$27,682
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,364/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,979
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,756
−HK$788/mo
Today · 4.125%
HK$30,544
baseline
▲ 0.50% · 4.625%
HK$32,154
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,088/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,390
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,335
−HK$961/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$34,261
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,809
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,715
−HK$920/mo
Today · 4.125%
HK$35,635
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,270/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,073
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,288
−HK$1,235/mo
Today · 4.125%
HK$41,523
baseline
▲ 0.50% · 4.625%
HK$44,050
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,046/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,468
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,634
−HK$1,183/mo
Today · 4.125%
HK$45,817
baseline
▲ 0.50% · 4.625%
HK$48,232
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,634/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,962 · Scale 2, in force from 26 Feb 2026)