LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,872
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$692/mo
Today · 4.125%
HK$23,244
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,488/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,332
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,985
−HK$662/mo
Today · 4.125%
HK$25,647
baseline
▲ 0.50% · 4.625%
HK$26,999
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,294/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,247
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,063
−HK$829/mo
Today · 4.125%
HK$27,892
baseline
▲ 0.50% · 4.625%
HK$29,590
+HK$1,698/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,784/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,199
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,982
−HK$795/mo
Today · 4.125%
HK$30,777
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,554/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,621
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,573
−HK$968/mo
Today · 4.125%
HK$32,541
baseline
▲ 0.50% · 4.625%
HK$34,521
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,082/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,065
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,979
−HK$927/mo
Today · 4.125%
HK$35,906
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,812/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,370
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,594
−HK$1,245/mo
Today · 4.125%
HK$41,839
baseline
▲ 0.50% · 4.625%
HK$44,384
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,678/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,798
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,973
−HK$1,192/mo
Today · 4.125%
HK$46,165
baseline
▲ 0.50% · 4.625%
HK$48,598
+HK$2,433/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,330/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,195 · Scale 2, in force from 26 Feb 2026)