LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,158
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,909
−HK$764/mo
Today · 4.125%
HK$25,673
baseline
▲ 0.50% · 4.625%
HK$27,235
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,346/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,875
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,596
−HK$731/mo
Today · 4.125%
HK$28,327
baseline
▲ 0.50% · 4.625%
HK$29,820
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,654/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,989
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,891
−HK$916/mo
Today · 4.125%
HK$30,807
baseline
▲ 0.50% · 4.625%
HK$32,682
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,614/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,250
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,115
−HK$878/mo
Today · 4.125%
HK$33,993
baseline
▲ 0.50% · 4.625%
HK$35,784
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,986/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,821
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,873
−HK$1,069/mo
Today · 4.125%
HK$35,942
baseline
▲ 0.50% · 4.625%
HK$38,129
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,884/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,625
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,634
−HK$1,024/mo
Today · 4.125%
HK$39,658
baseline
▲ 0.50% · 4.625%
HK$41,748
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,316/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,484
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,836
−HK$1,375/mo
Today · 4.125%
HK$46,211
baseline
▲ 0.50% · 4.625%
HK$49,022
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,422/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,375
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,673
−HK$1,316/mo
Today · 4.125%
HK$50,989
baseline
▲ 0.50% · 4.625%
HK$53,677
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,978/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,286 · Scale 2, in force from 26 Feb 2026)