LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,498
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,229
−HK$743/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,491
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,141
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,842
−HK$712/mo
Today · 4.125%
HK$27,554
baseline
▲ 0.50% · 4.625%
HK$29,006
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,108/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,198
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,075
−HK$891/mo
Today · 4.125%
HK$29,966
baseline
▲ 0.50% · 4.625%
HK$31,789
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,932/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,370
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,211
−HK$853/mo
Today · 4.125%
HK$33,064
baseline
▲ 0.50% · 4.625%
HK$34,807
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,128/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,897
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,920
−HK$1,040/mo
Today · 4.125%
HK$34,960
baseline
▲ 0.50% · 4.625%
HK$37,087
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,920/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,598
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,579
−HK$996/mo
Today · 4.125%
HK$38,575
baseline
▲ 0.50% · 4.625%
HK$40,608
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,150/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,296
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,612
−HK$1,337/mo
Today · 4.125%
HK$44,949
baseline
▲ 0.50% · 4.625%
HK$47,684
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,898/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,054
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,316
−HK$1,280/mo
Today · 4.125%
HK$49,596
baseline
▲ 0.50% · 4.625%
HK$52,211
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,192/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,437 · Scale 2, in force from 26 Feb 2026)