LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,354
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,081
−HK$738/mo
Today · 4.125%
HK$24,819
baseline
▲ 0.50% · 4.625%
HK$26,329
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,638/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$707/mo
Today · 4.125%
HK$27,385
baseline
▲ 0.50% · 4.625%
HK$28,829
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,770/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,025
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$886/mo
Today · 4.125%
HK$29,783
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,566/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,178
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,014
−HK$848/mo
Today · 4.125%
HK$32,862
baseline
▲ 0.50% · 4.625%
HK$34,594
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,724/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,696
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,713
−HK$1,033/mo
Today · 4.125%
HK$34,746
baseline
▲ 0.50% · 4.625%
HK$36,861
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,492/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,374
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,350
−HK$989/mo
Today · 4.125%
HK$38,339
baseline
▲ 0.50% · 4.625%
HK$40,360
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,678/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,038
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,345
−HK$1,329/mo
Today · 4.125%
HK$44,674
baseline
▲ 0.50% · 4.625%
HK$47,392
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,348/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,767
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,021
−HK$1,272/mo
Today · 4.125%
HK$49,293
baseline
▲ 0.50% · 4.625%
HK$51,892
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,586/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,075 · Scale 2, in force from 26 Feb 2026)