LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,107
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,826
−HK$731/mo
Today · 4.125%
HK$24,557
baseline
▲ 0.50% · 4.625%
HK$26,051
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,114/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,707
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,396
−HK$700/mo
Today · 4.125%
HK$27,096
baseline
▲ 0.50% · 4.625%
HK$28,524
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,192/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,729
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,592
−HK$876/mo
Today · 4.125%
HK$29,468
baseline
▲ 0.50% · 4.625%
HK$31,261
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,936/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,848
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,676
−HK$839/mo
Today · 4.125%
HK$32,515
baseline
▲ 0.50% · 4.625%
HK$34,229
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,030/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,350
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,357
−HK$1,022/mo
Today · 4.125%
HK$34,379
baseline
▲ 0.50% · 4.625%
HK$36,471
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,758/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,990
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,955
−HK$979/mo
Today · 4.125%
HK$37,934
baseline
▲ 0.50% · 4.625%
HK$39,934
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,868/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,593
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,887
−HK$1,315/mo
Today · 4.125%
HK$44,202
baseline
▲ 0.50% · 4.625%
HK$46,891
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,404/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,272
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,513
−HK$1,259/mo
Today · 4.125%
HK$48,772
baseline
▲ 0.50% · 4.625%
HK$51,343
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,544/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,015 · Scale 2, in force from 26 Feb 2026)