LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,844
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,523
−HK$690/mo
Today · 4.125%
HK$23,213
baseline
▲ 0.50% · 4.625%
HK$24,626
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,426/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,301
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,952
−HK$662/mo
Today · 4.125%
HK$25,614
baseline
▲ 0.50% · 4.625%
HK$26,964
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,228/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,212
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,028
−HK$828/mo
Today · 4.125%
HK$27,856
baseline
▲ 0.50% · 4.625%
HK$29,551
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,712/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,161
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,943
−HK$793/mo
Today · 4.125%
HK$30,736
baseline
▲ 0.50% · 4.625%
HK$32,357
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,472/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,581
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,532
−HK$967/mo
Today · 4.125%
HK$32,499
baseline
▲ 0.50% · 4.625%
HK$34,476
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$64,998/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,021
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,933
−HK$926/mo
Today · 4.125%
HK$35,859
baseline
▲ 0.50% · 4.625%
HK$37,749
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,718/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,318
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,541
−HK$1,243/mo
Today · 4.125%
HK$41,784
baseline
▲ 0.50% · 4.625%
HK$44,327
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,568/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,741
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,914
−HK$1,191/mo
Today · 4.125%
HK$46,105
baseline
▲ 0.50% · 4.625%
HK$48,535
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,210/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,945 · Scale 2, in force from 26 Feb 2026)