LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,118
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$730/mo
Today · 4.125%
HK$24,567
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,134/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,718
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,408
−HK$700/mo
Today · 4.125%
HK$27,108
baseline
▲ 0.50% · 4.625%
HK$28,536
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,216/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,741
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,604
−HK$877/mo
Today · 4.125%
HK$29,481
baseline
▲ 0.50% · 4.625%
HK$31,275
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,962/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,862
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,689
−HK$840/mo
Today · 4.125%
HK$32,529
baseline
▲ 0.50% · 4.625%
HK$34,244
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,058/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,365
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,371
−HK$1,023/mo
Today · 4.125%
HK$34,394
baseline
▲ 0.50% · 4.625%
HK$36,487
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,788/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,005
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,971
−HK$980/mo
Today · 4.125%
HK$37,951
baseline
▲ 0.50% · 4.625%
HK$39,951
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,902/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,612
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,906
−HK$1,315/mo
Today · 4.125%
HK$44,221
baseline
▲ 0.50% · 4.625%
HK$46,912
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,442/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,293
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,534
−HK$1,260/mo
Today · 4.125%
HK$48,794
baseline
▲ 0.50% · 4.625%
HK$51,366
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,588/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,181 · Scale 2, in force from 26 Feb 2026)