LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,621
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,356
−HK$747/mo
Today · 4.125%
HK$25,103
baseline
▲ 0.50% · 4.625%
HK$26,630
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,206/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,278
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,983
−HK$715/mo
Today · 4.125%
HK$27,698
baseline
▲ 0.50% · 4.625%
HK$29,158
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,396/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,346
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,227
−HK$896/mo
Today · 4.125%
HK$30,123
baseline
▲ 0.50% · 4.625%
HK$31,956
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,246/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,534
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,380
−HK$858/mo
Today · 4.125%
HK$33,238
baseline
▲ 0.50% · 4.625%
HK$34,990
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,476/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,070
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,098
−HK$1,046/mo
Today · 4.125%
HK$35,144
baseline
▲ 0.50% · 4.625%
HK$37,282
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,288/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,790
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,776
−HK$1,001/mo
Today · 4.125%
HK$38,777
baseline
▲ 0.50% · 4.625%
HK$40,821
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,554/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,518
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,841
−HK$1,344/mo
Today · 4.125%
HK$45,185
baseline
▲ 0.50% · 4.625%
HK$47,934
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,370/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,301
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,570
−HK$1,287/mo
Today · 4.125%
HK$49,857
baseline
▲ 0.50% · 4.625%
HK$52,485
+HK$2,628/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,714/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,465 · Scale 2, in force from 26 Feb 2026)