LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,038
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$728/mo
Today · 4.125%
HK$24,482
baseline
▲ 0.50% · 4.625%
HK$25,972
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,964/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,629
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$697/mo
Today · 4.125%
HK$27,014
baseline
▲ 0.50% · 4.625%
HK$28,438
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,028/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,645
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,505
−HK$874/mo
Today · 4.125%
HK$29,379
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,758/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,755
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,580
−HK$837/mo
Today · 4.125%
HK$32,417
baseline
▲ 0.50% · 4.625%
HK$34,126
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,834/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,253
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,256
−HK$1,019/mo
Today · 4.125%
HK$34,275
baseline
▲ 0.50% · 4.625%
HK$36,361
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,550/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,881
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,843
−HK$977/mo
Today · 4.125%
HK$37,820
baseline
▲ 0.50% · 4.625%
HK$39,813
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,640/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,468
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,758
−HK$1,310/mo
Today · 4.125%
HK$44,068
baseline
▲ 0.50% · 4.625%
HK$46,750
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,136/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,133
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,370
−HK$1,255/mo
Today · 4.125%
HK$48,625
baseline
▲ 0.50% · 4.625%
HK$51,188
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,250/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,869 · Scale 2, in force from 26 Feb 2026)