LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,250
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,973
−HK$735/mo
Today · 4.125%
HK$24,708
baseline
▲ 0.50% · 4.625%
HK$26,211
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,416/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,865
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,559
−HK$704/mo
Today · 4.125%
HK$27,263
baseline
▲ 0.50% · 4.625%
HK$28,700
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,526/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,900
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,768
−HK$882/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,454
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,038
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,871
−HK$844/mo
Today · 4.125%
HK$32,715
baseline
▲ 0.50% · 4.625%
HK$34,440
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,430/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,550
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$1,029/mo
Today · 4.125%
HK$34,591
baseline
▲ 0.50% · 4.625%
HK$36,696
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,182/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,212
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,183
−HK$985/mo
Today · 4.125%
HK$38,168
baseline
▲ 0.50% · 4.625%
HK$40,180
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,336/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,850
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,152
−HK$1,322/mo
Today · 4.125%
HK$44,474
baseline
▲ 0.50% · 4.625%
HK$47,180
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,948/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,558
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,806
−HK$1,267/mo
Today · 4.125%
HK$49,073
baseline
▲ 0.50% · 4.625%
HK$51,660
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,146/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,358 · Scale 2, in force from 26 Feb 2026)