LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,417
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,145
−HK$740/mo
Today · 4.125%
HK$24,885
baseline
▲ 0.50% · 4.625%
HK$26,399
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,770/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,051
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$709/mo
Today · 4.125%
HK$27,458
baseline
▲ 0.50% · 4.625%
HK$28,905
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,916/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,100
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$888/mo
Today · 4.125%
HK$29,862
baseline
▲ 0.50% · 4.625%
HK$31,679
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,724/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,261
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,099
−HK$851/mo
Today · 4.125%
HK$32,950
baseline
▲ 0.50% · 4.625%
HK$34,687
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,900/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,783
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$1,036/mo
Today · 4.125%
HK$34,839
baseline
▲ 0.50% · 4.625%
HK$36,959
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,678/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,471
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$992/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,468
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,150
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,461
−HK$1,332/mo
Today · 4.125%
HK$44,793
baseline
▲ 0.50% · 4.625%
HK$47,518
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,586/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,891
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,149
−HK$1,276/mo
Today · 4.125%
HK$49,425
baseline
▲ 0.50% · 4.625%
HK$52,030
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,850/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,097 · Scale 2, in force from 26 Feb 2026)