LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,030
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,747
−HK$728/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,964
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,621
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,308
−HK$697/mo
Today · 4.125%
HK$27,005
baseline
▲ 0.50% · 4.625%
HK$28,429
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,010/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,637
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,496
−HK$874/mo
Today · 4.125%
HK$29,370
baseline
▲ 0.50% · 4.625%
HK$31,157
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,740/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,745
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,570
−HK$836/mo
Today · 4.125%
HK$32,406
baseline
▲ 0.50% · 4.625%
HK$34,115
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,812/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,243
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,246
−HK$1,019/mo
Today · 4.125%
HK$34,265
baseline
▲ 0.50% · 4.625%
HK$36,349
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,530/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,870
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,832
−HK$976/mo
Today · 4.125%
HK$37,808
baseline
▲ 0.50% · 4.625%
HK$39,800
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,616/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,455
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,744
−HK$1,310/mo
Today · 4.125%
HK$44,054
baseline
▲ 0.50% · 4.625%
HK$46,735
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,108/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,118
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,355
−HK$1,255/mo
Today · 4.125%
HK$48,610
baseline
▲ 0.50% · 4.625%
HK$51,172
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,220/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,748 · Scale 2, in force from 26 Feb 2026)