LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,389
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,116
−HK$739/mo
Today · 4.125%
HK$24,855
baseline
▲ 0.50% · 4.625%
HK$26,368
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,710/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,020
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,717
−HK$708/mo
Today · 4.125%
HK$27,425
baseline
▲ 0.50% · 4.625%
HK$28,871
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,850/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,066
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,939
−HK$887/mo
Today · 4.125%
HK$29,826
baseline
▲ 0.50% · 4.625%
HK$31,641
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,652/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,224
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,061
−HK$849/mo
Today · 4.125%
HK$32,910
baseline
▲ 0.50% · 4.625%
HK$34,645
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,820/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,744
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,763
−HK$1,034/mo
Today · 4.125%
HK$34,797
baseline
▲ 0.50% · 4.625%
HK$36,915
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,594/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,427
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,404
−HK$992/mo
Today · 4.125%
HK$38,396
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,792/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,100
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,409
−HK$1,331/mo
Today · 4.125%
HK$44,740
baseline
▲ 0.50% · 4.625%
HK$47,462
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,480/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,835
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,091
−HK$1,275/mo
Today · 4.125%
HK$49,366
baseline
▲ 0.50% · 4.625%
HK$51,968
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,732/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,639 · Scale 2, in force from 26 Feb 2026)