LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,746
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,485
−HK$750/mo
Today · 4.125%
HK$25,235
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,470/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,417
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$718/mo
Today · 4.125%
HK$27,844
baseline
▲ 0.50% · 4.625%
HK$29,312
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,688/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,495
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,382
−HK$900/mo
Today · 4.125%
HK$30,282
baseline
▲ 0.50% · 4.625%
HK$32,125
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,564/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,701
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,551
−HK$862/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,175
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,244
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$1,050/mo
Today · 4.125%
HK$35,329
baseline
▲ 0.50% · 4.625%
HK$37,479
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,658/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,984
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,976
−HK$1,006/mo
Today · 4.125%
HK$38,982
baseline
▲ 0.50% · 4.625%
HK$41,037
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,964/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,743
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,072
−HK$1,351/mo
Today · 4.125%
HK$45,423
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,846/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,826
−HK$1,294/mo
Today · 4.125%
HK$50,120
baseline
▲ 0.50% · 4.625%
HK$52,762
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,240/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,517 · Scale 2, in force from 26 Feb 2026)