LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,834
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,575
−HK$754/mo
Today · 4.125%
HK$25,329
baseline
▲ 0.50% · 4.625%
HK$26,870
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,658/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,515
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,226
−HK$722/mo
Today · 4.125%
HK$27,948
baseline
▲ 0.50% · 4.625%
HK$29,421
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,896/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,601
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,490
−HK$904/mo
Today · 4.125%
HK$30,394
baseline
▲ 0.50% · 4.625%
HK$32,244
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,788/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,818
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,671
−HK$866/mo
Today · 4.125%
HK$33,537
baseline
▲ 0.50% · 4.625%
HK$35,305
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,074/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,368
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,405
−HK$1,055/mo
Today · 4.125%
HK$35,460
baseline
▲ 0.50% · 4.625%
HK$37,618
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,920/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,121
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,117
−HK$1,010/mo
Today · 4.125%
HK$39,127
baseline
▲ 0.50% · 4.625%
HK$41,189
+HK$2,062/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,254/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,901
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,236
−HK$1,355/mo
Today · 4.125%
HK$45,591
baseline
▲ 0.50% · 4.625%
HK$48,366
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,182/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,727
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,007
−HK$1,299/mo
Today · 4.125%
HK$50,306
baseline
▲ 0.50% · 4.625%
HK$52,957
+HK$2,651/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,612/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,962 · Scale 2, in force from 26 Feb 2026)