LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,747
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,486
−HK$751/mo
Today · 4.125%
HK$25,237
baseline
▲ 0.50% · 4.625%
HK$26,772
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,474/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,419
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,127
−HK$719/mo
Today · 4.125%
HK$27,846
baseline
▲ 0.50% · 4.625%
HK$29,314
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,692/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,497
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,383
−HK$901/mo
Today · 4.125%
HK$30,284
baseline
▲ 0.50% · 4.625%
HK$32,127
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,568/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$862/mo
Today · 4.125%
HK$33,415
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,830/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,246
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,281
−HK$1,050/mo
Today · 4.125%
HK$35,331
baseline
▲ 0.50% · 4.625%
HK$37,481
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,662/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,986
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,978
−HK$1,007/mo
Today · 4.125%
HK$38,985
baseline
▲ 0.50% · 4.625%
HK$41,040
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,970/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,745
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,075
−HK$1,351/mo
Today · 4.125%
HK$45,426
baseline
▲ 0.50% · 4.625%
HK$48,190
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,852/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,554
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,829
−HK$1,294/mo
Today · 4.125%
HK$50,123
baseline
▲ 0.50% · 4.625%
HK$52,765
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,246/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,540 · Scale 2, in force from 26 Feb 2026)