LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,445
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,174
−HK$741/mo
Today · 4.125%
HK$24,915
baseline
▲ 0.50% · 4.625%
HK$26,431
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,830/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,082
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,782
−HK$710/mo
Today · 4.125%
HK$27,492
baseline
▲ 0.50% · 4.625%
HK$28,941
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,984/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,134
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,009
−HK$889/mo
Today · 4.125%
HK$29,898
baseline
▲ 0.50% · 4.625%
HK$31,718
+HK$1,820/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,796/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,299
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,138
−HK$852/mo
Today · 4.125%
HK$32,990
baseline
▲ 0.50% · 4.625%
HK$34,729
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,980/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,823
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,844
−HK$1,037/mo
Today · 4.125%
HK$34,881
baseline
▲ 0.50% · 4.625%
HK$37,004
+HK$2,123/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,762/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,515
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,495
−HK$993/mo
Today · 4.125%
HK$38,488
baseline
▲ 0.50% · 4.625%
HK$40,517
+HK$2,029/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,976/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,201
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,514
−HK$1,334/mo
Today · 4.125%
HK$44,848
baseline
▲ 0.50% · 4.625%
HK$47,576
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,696/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,948
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,207
−HK$1,278/mo
Today · 4.125%
HK$49,485
baseline
▲ 0.50% · 4.625%
HK$52,093
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,970/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,567 · Scale 2, in force from 26 Feb 2026)