LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,156
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,876
−HK$732/mo
Today · 4.125%
HK$24,608
baseline
▲ 0.50% · 4.625%
HK$26,105
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,216/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,761
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$700/mo
Today · 4.125%
HK$27,152
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,304/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,787
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,651
−HK$879/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,326
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,913
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,742
−HK$841/mo
Today · 4.125%
HK$32,583
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,166/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,418
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,427
−HK$1,024/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,547
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$981/mo
Today · 4.125%
HK$38,013
baseline
▲ 0.50% · 4.625%
HK$40,017
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,026/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,681
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,977
−HK$1,317/mo
Today · 4.125%
HK$44,294
baseline
▲ 0.50% · 4.625%
HK$46,990
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,588/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,369
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,613
−HK$1,261/mo
Today · 4.125%
HK$48,874
baseline
▲ 0.50% · 4.625%
HK$51,451
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,748/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,811 · Scale 2, in force from 26 Feb 2026)