LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,321
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,016
−HK$705/mo
Today · 4.125%
HK$23,721
baseline
▲ 0.50% · 4.625%
HK$25,164
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,442/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,832
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,498
−HK$676/mo
Today · 4.125%
HK$26,174
baseline
▲ 0.50% · 4.625%
HK$27,554
+HK$1,380/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,348/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,786
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$846/mo
Today · 4.125%
HK$28,465
baseline
▲ 0.50% · 4.625%
HK$30,197
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,930/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,799
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,598
−HK$811/mo
Today · 4.125%
HK$31,409
baseline
▲ 0.50% · 4.625%
HK$33,064
+HK$1,655/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,818/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,250
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,222
−HK$988/mo
Today · 4.125%
HK$33,210
baseline
▲ 0.50% · 4.625%
HK$35,230
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,420/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,765
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,698
−HK$945/mo
Today · 4.125%
HK$36,643
baseline
▲ 0.50% · 4.625%
HK$38,575
+HK$1,932/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,286/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,178
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,428
−HK$1,270/mo
Today · 4.125%
HK$42,698
baseline
▲ 0.50% · 4.625%
HK$45,296
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,396/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,698
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,897
−HK$1,216/mo
Today · 4.125%
HK$47,113
baseline
▲ 0.50% · 4.625%
HK$49,596
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,226/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,897 · Scale 2, in force from 26 Feb 2026)