LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,307
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,032
−HK$736/mo
Today · 4.125%
HK$24,768
baseline
▲ 0.50% · 4.625%
HK$26,276
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,536/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,929
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,624
−HK$706/mo
Today · 4.125%
HK$27,330
baseline
▲ 0.50% · 4.625%
HK$28,770
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,660/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,968
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,838
−HK$884/mo
Today · 4.125%
HK$29,722
baseline
▲ 0.50% · 4.625%
HK$31,531
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,444/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,114
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,949
−HK$846/mo
Today · 4.125%
HK$32,795
baseline
▲ 0.50% · 4.625%
HK$34,524
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,590/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,630
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,645
−HK$1,031/mo
Today · 4.125%
HK$34,676
baseline
▲ 0.50% · 4.625%
HK$36,786
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,352/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,300
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,274
−HK$987/mo
Today · 4.125%
HK$38,261
baseline
▲ 0.50% · 4.625%
HK$40,278
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,522/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,952
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,257
−HK$1,326/mo
Today · 4.125%
HK$44,583
baseline
▲ 0.50% · 4.625%
HK$47,296
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,166/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,672
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,923
−HK$1,270/mo
Today · 4.125%
HK$49,193
baseline
▲ 0.50% · 4.625%
HK$51,786
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,386/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,295 · Scale 2, in force from 26 Feb 2026)