LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,874
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$692/mo
Today · 4.125%
HK$23,246
baseline
▲ 0.50% · 4.625%
HK$24,660
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,492/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,335
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,987
−HK$662/mo
Today · 4.125%
HK$25,649
baseline
▲ 0.50% · 4.625%
HK$27,001
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,298/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,249
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,065
−HK$830/mo
Today · 4.125%
HK$27,895
baseline
▲ 0.50% · 4.625%
HK$29,592
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,790/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,201
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,985
−HK$794/mo
Today · 4.125%
HK$30,779
baseline
▲ 0.50% · 4.625%
HK$32,402
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,558/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,624
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,576
−HK$968/mo
Today · 4.125%
HK$32,544
baseline
▲ 0.50% · 4.625%
HK$34,524
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,088/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,068
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,982
−HK$927/mo
Today · 4.125%
HK$35,909
baseline
▲ 0.50% · 4.625%
HK$37,802
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,818/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,373
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,598
−HK$1,244/mo
Today · 4.125%
HK$41,842
baseline
▲ 0.50% · 4.625%
HK$44,388
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,684/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,802
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,977
−HK$1,192/mo
Today · 4.125%
HK$46,169
baseline
▲ 0.50% · 4.625%
HK$48,602
+HK$2,433/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,338/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,277 · Scale 2, in force from 26 Feb 2026)