LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,672
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,409
−HK$748/mo
Today · 4.125%
HK$25,157
baseline
▲ 0.50% · 4.625%
HK$26,687
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,314/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,335
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,041
−HK$717/mo
Today · 4.125%
HK$27,758
baseline
▲ 0.50% · 4.625%
HK$29,221
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,516/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,407
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,290
−HK$898/mo
Today · 4.125%
HK$30,188
baseline
▲ 0.50% · 4.625%
HK$32,025
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,376/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,602
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,450
−HK$860/mo
Today · 4.125%
HK$33,310
baseline
▲ 0.50% · 4.625%
HK$35,065
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,620/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,141
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,172
−HK$1,047/mo
Today · 4.125%
HK$35,219
baseline
▲ 0.50% · 4.625%
HK$37,362
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,438/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,869
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,858
−HK$1,003/mo
Today · 4.125%
HK$38,861
baseline
▲ 0.50% · 4.625%
HK$40,910
+HK$2,049/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,722/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,610
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,936
−HK$1,346/mo
Today · 4.125%
HK$45,282
baseline
▲ 0.50% · 4.625%
HK$48,037
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,564/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,403
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,675
−HK$1,289/mo
Today · 4.125%
HK$49,964
baseline
▲ 0.50% · 4.625%
HK$52,598
+HK$2,634/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,928/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,304 · Scale 2, in force from 26 Feb 2026)