LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,130
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$731/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$26,076
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,732
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,422
−HK$700/mo
Today · 4.125%
HK$27,122
baseline
▲ 0.50% · 4.625%
HK$28,551
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,244/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,756
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,619
−HK$877/mo
Today · 4.125%
HK$29,496
baseline
▲ 0.50% · 4.625%
HK$31,291
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$58,992/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,878
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,706
−HK$840/mo
Today · 4.125%
HK$32,546
baseline
▲ 0.50% · 4.625%
HK$34,262
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,092/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,382
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,389
−HK$1,023/mo
Today · 4.125%
HK$34,412
baseline
▲ 0.50% · 4.625%
HK$36,506
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,824/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,024
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,990
−HK$980/mo
Today · 4.125%
HK$37,970
baseline
▲ 0.50% · 4.625%
HK$39,972
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,940/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,633
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,928
−HK$1,316/mo
Today · 4.125%
HK$44,244
baseline
▲ 0.50% · 4.625%
HK$46,936
+HK$2,692/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,488/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,317
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,559
−HK$1,260/mo
Today · 4.125%
HK$48,819
baseline
▲ 0.50% · 4.625%
HK$51,392
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,638/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,380 · Scale 2, in force from 26 Feb 2026)