LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,612
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,347
−HK$746/mo
Today · 4.125%
HK$25,093
baseline
▲ 0.50% · 4.625%
HK$26,620
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,186/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,268
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,973
−HK$714/mo
Today · 4.125%
HK$27,687
baseline
▲ 0.50% · 4.625%
HK$29,147
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,374/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,335
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,216
−HK$895/mo
Today · 4.125%
HK$30,111
baseline
▲ 0.50% · 4.625%
HK$31,944
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,222/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,522
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,367
−HK$858/mo
Today · 4.125%
HK$33,225
baseline
▲ 0.50% · 4.625%
HK$34,976
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,450/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,057
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,085
−HK$1,045/mo
Today · 4.125%
HK$35,130
baseline
▲ 0.50% · 4.625%
HK$37,268
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,260/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,776
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,762
−HK$1,000/mo
Today · 4.125%
HK$38,762
baseline
▲ 0.50% · 4.625%
HK$40,806
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,524/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,502
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,824
−HK$1,343/mo
Today · 4.125%
HK$45,167
baseline
▲ 0.50% · 4.625%
HK$47,915
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,334/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,283
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,551
−HK$1,286/mo
Today · 4.125%
HK$49,837
baseline
▲ 0.50% · 4.625%
HK$52,464
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,674/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,314 · Scale 2, in force from 26 Feb 2026)