LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,504
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,235
−HK$743/mo
Today · 4.125%
HK$24,978
baseline
▲ 0.50% · 4.625%
HK$26,498
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,956/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,148
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,849
−HK$712/mo
Today · 4.125%
HK$27,561
baseline
▲ 0.50% · 4.625%
HK$29,013
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,122/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,205
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,082
−HK$891/mo
Today · 4.125%
HK$29,973
baseline
▲ 0.50% · 4.625%
HK$31,797
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,946/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,377
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,219
−HK$854/mo
Today · 4.125%
HK$33,073
baseline
▲ 0.50% · 4.625%
HK$34,816
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,146/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,905
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,929
−HK$1,040/mo
Today · 4.125%
HK$34,969
baseline
▲ 0.50% · 4.625%
HK$37,097
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,938/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,607
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,589
−HK$996/mo
Today · 4.125%
HK$38,585
baseline
▲ 0.50% · 4.625%
HK$40,619
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,170/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,307
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,623
−HK$1,337/mo
Today · 4.125%
HK$44,960
baseline
▲ 0.50% · 4.625%
HK$47,696
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,920/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,066
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,328
−HK$1,281/mo
Today · 4.125%
HK$49,609
baseline
▲ 0.50% · 4.625%
HK$52,224
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,218/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,534 · Scale 2, in force from 26 Feb 2026)