LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,511
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,243
−HK$743/mo
Today · 4.125%
HK$24,986
baseline
▲ 0.50% · 4.625%
HK$26,506
+HK$1,520/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,972/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,156
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,858
−HK$711/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,022
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,214
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,091
−HK$892/mo
Today · 4.125%
HK$29,983
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,966/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,387
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,229
−HK$854/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$34,827
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,916
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,940
−HK$1,040/mo
Today · 4.125%
HK$34,980
baseline
▲ 0.50% · 4.625%
HK$37,108
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,960/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,619
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,601
−HK$996/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,631
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,320
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,637
−HK$1,337/mo
Today · 4.125%
HK$44,974
baseline
▲ 0.50% · 4.625%
HK$47,711
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,948/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,081
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,344
−HK$1,281/mo
Today · 4.125%
HK$49,625
baseline
▲ 0.50% · 4.625%
HK$52,240
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,250/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,657 · Scale 2, in force from 26 Feb 2026)