LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,760
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,437
−HK$688/mo
Today · 4.125%
HK$23,125
baseline
▲ 0.50% · 4.625%
HK$24,532
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,250/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,208
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,858
−HK$658/mo
Today · 4.125%
HK$25,516
baseline
▲ 0.50% · 4.625%
HK$26,861
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,032/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,113
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,925
−HK$825/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,439
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,829
−HK$790/mo
Today · 4.125%
HK$30,619
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,238/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,465
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,412
−HK$963/mo
Today · 4.125%
HK$32,375
baseline
▲ 0.50% · 4.625%
HK$34,345
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,750/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,892
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,801
−HK$922/mo
Today · 4.125%
HK$35,723
baseline
▲ 0.50% · 4.625%
HK$37,606
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,446/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,169
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,387
−HK$1,238/mo
Today · 4.125%
HK$41,625
baseline
▲ 0.50% · 4.625%
HK$44,158
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,250/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,575
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,744
−HK$1,185/mo
Today · 4.125%
HK$45,929
baseline
▲ 0.50% · 4.625%
HK$48,350
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,858/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,301 · Scale 2, in force from 26 Feb 2026)