LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,771
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$751/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,799
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,445
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,154
−HK$720/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,343
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,525
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$902/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$32,158
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,734
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$863/mo
Today · 4.125%
HK$33,448
baseline
▲ 0.50% · 4.625%
HK$35,211
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,896/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,279
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,314
−HK$1,052/mo
Today · 4.125%
HK$35,366
baseline
▲ 0.50% · 4.625%
HK$37,518
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,732/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,023
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,016
−HK$1,007/mo
Today · 4.125%
HK$39,023
baseline
▲ 0.50% · 4.625%
HK$41,080
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,046/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,788
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,118
−HK$1,353/mo
Today · 4.125%
HK$45,471
baseline
▲ 0.50% · 4.625%
HK$48,237
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,942/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,601
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,877
−HK$1,295/mo
Today · 4.125%
HK$50,172
baseline
▲ 0.50% · 4.625%
HK$52,817
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,344/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,924 · Scale 2, in force from 26 Feb 2026)