LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,838
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$721/mo
Today · 4.125%
HK$24,270
baseline
▲ 0.50% · 4.625%
HK$25,747
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,540/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,407
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,089
−HK$691/mo
Today · 4.125%
HK$26,780
baseline
▲ 0.50% · 4.625%
HK$28,191
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,560/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,406
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,258
−HK$866/mo
Today · 4.125%
HK$29,124
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,248/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,489
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,306
−HK$830/mo
Today · 4.125%
HK$32,136
baseline
▲ 0.50% · 4.625%
HK$33,830
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,272/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,973
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,968
−HK$1,010/mo
Today · 4.125%
HK$33,978
baseline
▲ 0.50% · 4.625%
HK$36,046
+HK$2,068/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,956/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,570
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,524
−HK$968/mo
Today · 4.125%
HK$37,492
baseline
▲ 0.50% · 4.625%
HK$39,468
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,984/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,109
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,387
−HK$1,300/mo
Today · 4.125%
HK$43,687
baseline
▲ 0.50% · 4.625%
HK$46,345
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,374/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,733
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,960
−HK$1,244/mo
Today · 4.125%
HK$48,204
baseline
▲ 0.50% · 4.625%
HK$50,745
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,408/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,561 · Scale 2, in force from 26 Feb 2026)