LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,698
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,435
−HK$749/mo
Today · 4.125%
HK$25,184
baseline
▲ 0.50% · 4.625%
HK$26,716
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,368/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,364
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$717/mo
Today · 4.125%
HK$27,788
baseline
▲ 0.50% · 4.625%
HK$29,253
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,576/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,437
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,322
−HK$899/mo
Today · 4.125%
HK$30,221
baseline
▲ 0.50% · 4.625%
HK$32,060
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,442/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,636
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,485
−HK$861/mo
Today · 4.125%
HK$33,346
baseline
▲ 0.50% · 4.625%
HK$35,103
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,692/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,177
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,209
−HK$1,048/mo
Today · 4.125%
HK$35,257
baseline
▲ 0.50% · 4.625%
HK$37,403
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,514/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,909
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,899
−HK$1,004/mo
Today · 4.125%
HK$38,903
baseline
▲ 0.50% · 4.625%
HK$40,954
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,806/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,656
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,983
−HK$1,348/mo
Today · 4.125%
HK$45,331
baseline
▲ 0.50% · 4.625%
HK$48,089
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,662/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,455
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,727
−HK$1,291/mo
Today · 4.125%
HK$50,018
baseline
▲ 0.50% · 4.625%
HK$52,655
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,036/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,724 · Scale 2, in force from 26 Feb 2026)