LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,954
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,636
−HK$694/mo
Today · 4.125%
HK$23,330
baseline
▲ 0.50% · 4.625%
HK$24,750
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,660/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,423
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,078
−HK$665/mo
Today · 4.125%
HK$25,743
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,486/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,344
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,164
−HK$832/mo
Today · 4.125%
HK$27,996
baseline
▲ 0.50% · 4.625%
HK$29,700
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,992/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,308
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,094
−HK$797/mo
Today · 4.125%
HK$30,891
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,782/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,735
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,691
−HK$971/mo
Today · 4.125%
HK$32,662
baseline
▲ 0.50% · 4.625%
HK$34,650
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,324/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,192
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$931/mo
Today · 4.125%
HK$36,040
baseline
▲ 0.50% · 4.625%
HK$37,939
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,080/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,516
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,746
−HK$1,248/mo
Today · 4.125%
HK$41,994
baseline
▲ 0.50% · 4.625%
HK$44,550
+HK$2,556/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$83,988/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,962
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,141
−HK$1,196/mo
Today · 4.125%
HK$46,337
baseline
▲ 0.50% · 4.625%
HK$48,779
+HK$2,442/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$92,674/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,768 · Scale 2, in force from 26 Feb 2026)