LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,747
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,485
−HK$751/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,418
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$719/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,313
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,496
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,382
−HK$901/mo
Today · 4.125%
HK$30,283
baseline
▲ 0.50% · 4.625%
HK$32,126
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,566/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,701
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,552
−HK$862/mo
Today · 4.125%
HK$33,414
baseline
▲ 0.50% · 4.625%
HK$35,176
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,828/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$1,051/mo
Today · 4.125%
HK$35,330
baseline
▲ 0.50% · 4.625%
HK$37,480
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,660/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,985
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,977
−HK$1,006/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,038
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,744
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,074
−HK$1,350/mo
Today · 4.125%
HK$45,424
baseline
▲ 0.50% · 4.625%
HK$48,188
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,848/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,552
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,828
−HK$1,293/mo
Today · 4.125%
HK$50,121
baseline
▲ 0.50% · 4.625%
HK$52,763
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,242/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,526 · Scale 2, in force from 26 Feb 2026)