LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,383
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,111
−HK$739/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,362
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,014
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,711
−HK$708/mo
Today · 4.125%
HK$27,419
baseline
▲ 0.50% · 4.625%
HK$28,864
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,838/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,060
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,933
−HK$886/mo
Today · 4.125%
HK$29,819
baseline
▲ 0.50% · 4.625%
HK$31,634
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,638/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,216
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,053
−HK$850/mo
Today · 4.125%
HK$32,903
baseline
▲ 0.50% · 4.625%
HK$34,637
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,806/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,736
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,755
−HK$1,034/mo
Today · 4.125%
HK$34,789
baseline
▲ 0.50% · 4.625%
HK$36,906
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,578/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,419
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,396
−HK$991/mo
Today · 4.125%
HK$38,387
baseline
▲ 0.50% · 4.625%
HK$40,410
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,774/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,090
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,399
−HK$1,330/mo
Today · 4.125%
HK$44,729
baseline
▲ 0.50% · 4.625%
HK$47,451
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,458/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,824
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,080
−HK$1,274/mo
Today · 4.125%
HK$49,354
baseline
▲ 0.50% · 4.625%
HK$51,956
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,708/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,549 · Scale 2, in force from 26 Feb 2026)