LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,727
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,465
−HK$750/mo
Today · 4.125%
HK$25,215
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,430/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,396
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,104
−HK$719/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,289
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,473
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,359
−HK$899/mo
Today · 4.125%
HK$30,258
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,516/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,676
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,525
−HK$862/mo
Today · 4.125%
HK$33,387
baseline
▲ 0.50% · 4.625%
HK$35,147
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,774/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,218
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,252
−HK$1,049/mo
Today · 4.125%
HK$35,301
baseline
▲ 0.50% · 4.625%
HK$37,449
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,602/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,955
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,946
−HK$1,006/mo
Today · 4.125%
HK$38,952
baseline
▲ 0.50% · 4.625%
HK$41,005
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,904/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,709
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,038
−HK$1,350/mo
Today · 4.125%
HK$45,388
baseline
▲ 0.50% · 4.625%
HK$48,149
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,776/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,514
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,788
−HK$1,293/mo
Today · 4.125%
HK$50,081
baseline
▲ 0.50% · 4.625%
HK$52,721
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,162/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,210 · Scale 2, in force from 26 Feb 2026)