LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,173
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,894
−HK$732/mo
Today · 4.125%
HK$24,626
baseline
▲ 0.50% · 4.625%
HK$26,125
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,252/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,780
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,471
−HK$702/mo
Today · 4.125%
HK$27,173
baseline
▲ 0.50% · 4.625%
HK$28,605
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,346/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,808
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,673
−HK$879/mo
Today · 4.125%
HK$29,552
baseline
▲ 0.50% · 4.625%
HK$31,350
+HK$1,798/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,104/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,936
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,766
−HK$841/mo
Today · 4.125%
HK$32,607
baseline
▲ 0.50% · 4.625%
HK$34,326
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,214/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,442
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,452
−HK$1,025/mo
Today · 4.125%
HK$34,477
baseline
▲ 0.50% · 4.625%
HK$36,575
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,954/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,092
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,060
−HK$982/mo
Today · 4.125%
HK$38,042
baseline
▲ 0.50% · 4.625%
HK$40,047
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,084/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,712
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,009
−HK$1,318/mo
Today · 4.125%
HK$44,327
baseline
▲ 0.50% · 4.625%
HK$47,025
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,654/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,404
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,648
−HK$1,263/mo
Today · 4.125%
HK$48,911
baseline
▲ 0.50% · 4.625%
HK$51,489
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,822/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,095 · Scale 2, in force from 26 Feb 2026)