LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,220
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$734/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,832
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,525
−HK$703/mo
Today · 4.125%
HK$27,228
baseline
▲ 0.50% · 4.625%
HK$28,663
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,456/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,864
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$881/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,414
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,224/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,999
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,830
−HK$844/mo
Today · 4.125%
HK$32,674
baseline
▲ 0.50% · 4.625%
HK$34,396
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,348/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,509
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,520
−HK$1,027/mo
Today · 4.125%
HK$34,547
baseline
▲ 0.50% · 4.625%
HK$36,649
+HK$2,102/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,094/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,165
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,135
−HK$984/mo
Today · 4.125%
HK$38,119
baseline
▲ 0.50% · 4.625%
HK$40,129
+HK$2,010/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,238/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,797
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,097
−HK$1,321/mo
Today · 4.125%
HK$44,418
baseline
▲ 0.50% · 4.625%
HK$47,120
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,836/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,498
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,745
−HK$1,266/mo
Today · 4.125%
HK$49,011
baseline
▲ 0.50% · 4.625%
HK$51,594
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$98,022/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,872 · Scale 2, in force from 26 Feb 2026)