LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,207
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,929
−HK$734/mo
Today · 4.125%
HK$24,663
baseline
▲ 0.50% · 4.625%
HK$26,163
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,326/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,818
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,510
−HK$703/mo
Today · 4.125%
HK$27,213
baseline
▲ 0.50% · 4.625%
HK$28,647
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,426/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,849
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,715
−HK$880/mo
Today · 4.125%
HK$29,595
baseline
▲ 0.50% · 4.625%
HK$31,396
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,190/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$842/mo
Today · 4.125%
HK$32,655
baseline
▲ 0.50% · 4.625%
HK$34,377
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,310/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,490
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$1,027/mo
Today · 4.125%
HK$34,528
baseline
▲ 0.50% · 4.625%
HK$36,629
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,056/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,145
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,115
−HK$983/mo
Today · 4.125%
HK$38,098
baseline
▲ 0.50% · 4.625%
HK$40,106
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,196/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,773
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,073
−HK$1,320/mo
Today · 4.125%
HK$44,393
baseline
▲ 0.50% · 4.625%
HK$47,094
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,786/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,472
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,719
−HK$1,264/mo
Today · 4.125%
HK$48,983
baseline
▲ 0.50% · 4.625%
HK$51,565
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,966/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,658 · Scale 2, in force from 26 Feb 2026)