LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,732
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,408
−HK$687/mo
Today · 4.125%
HK$23,095
baseline
▲ 0.50% · 4.625%
HK$24,500
+HK$1,405/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,190/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,177
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,825
−HK$658/mo
Today · 4.125%
HK$25,483
baseline
▲ 0.50% · 4.625%
HK$26,826
+HK$1,343/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,966/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,078
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$824/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,012
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,790
−HK$789/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,425
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$962/mo
Today · 4.125%
HK$32,333
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,666/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,847
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,755
−HK$921/mo
Today · 4.125%
HK$35,676
baseline
▲ 0.50% · 4.625%
HK$37,557
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,352/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,118
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,237/mo
Today · 4.125%
HK$41,571
baseline
▲ 0.50% · 4.625%
HK$44,100
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,142/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,518
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,685
−HK$1,184/mo
Today · 4.125%
HK$45,869
baseline
▲ 0.50% · 4.625%
HK$48,287
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,738/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,053 · Scale 2, in force from 26 Feb 2026)