LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,776
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$688/mo
Today · 4.125%
HK$23,141
baseline
▲ 0.50% · 4.625%
HK$24,550
+HK$1,409/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,282/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,226
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,875
−HK$659/mo
Today · 4.125%
HK$25,534
baseline
▲ 0.50% · 4.625%
HK$26,880
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,068/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,131
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,944
−HK$826/mo
Today · 4.125%
HK$27,770
baseline
▲ 0.50% · 4.625%
HK$29,460
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,540/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$791/mo
Today · 4.125%
HK$30,641
baseline
▲ 0.50% · 4.625%
HK$32,256
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,282/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,486
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,435
−HK$963/mo
Today · 4.125%
HK$32,398
baseline
▲ 0.50% · 4.625%
HK$34,369
+HK$1,971/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,796/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,916
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,825
−HK$923/mo
Today · 4.125%
HK$35,748
baseline
▲ 0.50% · 4.625%
HK$37,632
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,496/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,197
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,416
−HK$1,239/mo
Today · 4.125%
HK$41,655
baseline
▲ 0.50% · 4.625%
HK$44,189
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,310/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,606
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,775
−HK$1,187/mo
Today · 4.125%
HK$45,962
baseline
▲ 0.50% · 4.625%
HK$48,385
+HK$2,423/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,924/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,979 · Scale 2, in force from 26 Feb 2026)