LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,015
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,731
−HK$728/mo
Today · 4.125%
HK$24,459
baseline
▲ 0.50% · 4.625%
HK$25,947
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,918/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,604
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,291
−HK$697/mo
Today · 4.125%
HK$26,988
baseline
▲ 0.50% · 4.625%
HK$28,410
+HK$1,422/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,976/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,619
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$872/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$31,136
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,725
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,549
−HK$836/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,092
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,222
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,224
−HK$1,018/mo
Today · 4.125%
HK$34,242
baseline
▲ 0.50% · 4.625%
HK$36,326
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,484/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,846
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,808
−HK$975/mo
Today · 4.125%
HK$37,783
baseline
▲ 0.50% · 4.625%
HK$39,774
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,566/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,428
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,716
−HK$1,310/mo
Today · 4.125%
HK$44,026
baseline
▲ 0.50% · 4.625%
HK$46,705
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,052/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,088
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,324
−HK$1,254/mo
Today · 4.125%
HK$48,578
baseline
▲ 0.50% · 4.625%
HK$51,139
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,156/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,501 · Scale 2, in force from 26 Feb 2026)