LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,801
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,479
−HK$689/mo
Today · 4.125%
HK$23,168
baseline
▲ 0.50% · 4.625%
HK$24,578
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,336/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,253
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,904
−HK$659/mo
Today · 4.125%
HK$25,563
baseline
▲ 0.50% · 4.625%
HK$26,911
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,126/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,161
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,975
−HK$826/mo
Today · 4.125%
HK$27,801
baseline
▲ 0.50% · 4.625%
HK$29,493
+HK$1,692/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,602/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,104
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,884
−HK$792/mo
Today · 4.125%
HK$30,676
baseline
▲ 0.50% · 4.625%
HK$32,293
+HK$1,617/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$61,352/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,521
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,470
−HK$965/mo
Today · 4.125%
HK$32,435
baseline
▲ 0.50% · 4.625%
HK$34,409
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,870/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,954
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,865
−HK$924/mo
Today · 4.125%
HK$35,789
baseline
▲ 0.50% · 4.625%
HK$37,675
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,578/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,241
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,462
−HK$1,240/mo
Today · 4.125%
HK$41,702
baseline
▲ 0.50% · 4.625%
HK$44,240
+HK$2,538/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,404/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,656
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,826
−HK$1,188/mo
Today · 4.125%
HK$46,014
baseline
▲ 0.50% · 4.625%
HK$48,440
+HK$2,426/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,028/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,065 · Scale 2, in force from 26 Feb 2026)