LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,813
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,492
−HK$689/mo
Today · 4.125%
HK$23,181
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,362/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,267
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,918
−HK$660/mo
Today · 4.125%
HK$25,578
baseline
▲ 0.50% · 4.625%
HK$26,926
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,156/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,176
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,990
−HK$827/mo
Today · 4.125%
HK$27,817
baseline
▲ 0.50% · 4.625%
HK$29,510
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,634/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,120
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$793/mo
Today · 4.125%
HK$30,694
baseline
▲ 0.50% · 4.625%
HK$32,311
+HK$1,617/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,388/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,538
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,488
−HK$965/mo
Today · 4.125%
HK$32,453
baseline
▲ 0.50% · 4.625%
HK$34,428
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,906/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,974
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,885
−HK$924/mo
Today · 4.125%
HK$35,809
baseline
▲ 0.50% · 4.625%
HK$37,697
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,618/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,264
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,485
−HK$1,241/mo
Today · 4.125%
HK$41,726
baseline
▲ 0.50% · 4.625%
HK$44,265
+HK$2,539/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,452/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,680
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,852
−HK$1,188/mo
Today · 4.125%
HK$46,040
baseline
▲ 0.50% · 4.625%
HK$48,467
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,080/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,611 · Scale 2, in force from 26 Feb 2026)