LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,485
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,216
−HK$742/mo
Today · 4.125%
HK$24,958
baseline
▲ 0.50% · 4.625%
HK$26,477
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,916/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,127
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$711/mo
Today · 4.125%
HK$27,539
baseline
▲ 0.50% · 4.625%
HK$28,990
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,078/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,059
−HK$891/mo
Today · 4.125%
HK$29,950
baseline
▲ 0.50% · 4.625%
HK$31,772
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,900/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,353
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,194
−HK$853/mo
Today · 4.125%
HK$33,047
baseline
▲ 0.50% · 4.625%
HK$34,789
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,094/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,880
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$1,039/mo
Today · 4.125%
HK$34,941
baseline
▲ 0.50% · 4.625%
HK$37,067
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,882/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,578
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,559
−HK$995/mo
Today · 4.125%
HK$38,554
baseline
▲ 0.50% · 4.625%
HK$40,587
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,108/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,274
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,589
−HK$1,336/mo
Today · 4.125%
HK$44,925
baseline
▲ 0.50% · 4.625%
HK$47,658
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,850/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,029
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,290
−HK$1,280/mo
Today · 4.125%
HK$49,570
baseline
▲ 0.50% · 4.625%
HK$52,183
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,140/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,230 · Scale 2, in force from 26 Feb 2026)