LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,168
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,919
−HK$764/mo
Today · 4.125%
HK$25,683
baseline
▲ 0.50% · 4.625%
HK$27,246
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,366/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,886
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,607
−HK$732/mo
Today · 4.125%
HK$28,339
baseline
▲ 0.50% · 4.625%
HK$29,833
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,678/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,001
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,903
−HK$917/mo
Today · 4.125%
HK$30,820
baseline
▲ 0.50% · 4.625%
HK$32,695
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,640/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,263
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,129
−HK$878/mo
Today · 4.125%
HK$34,007
baseline
▲ 0.50% · 4.625%
HK$35,799
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,014/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,835
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,887
−HK$1,069/mo
Today · 4.125%
HK$35,956
baseline
▲ 0.50% · 4.625%
HK$38,144
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,912/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,641
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,650
−HK$1,024/mo
Today · 4.125%
HK$39,674
baseline
▲ 0.50% · 4.625%
HK$41,766
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,348/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,502
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,855
−HK$1,375/mo
Today · 4.125%
HK$46,230
baseline
▲ 0.50% · 4.625%
HK$49,043
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,460/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,395
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,693
−HK$1,317/mo
Today · 4.125%
HK$51,010
baseline
▲ 0.50% · 4.625%
HK$53,699
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,020/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,450 · Scale 2, in force from 26 Feb 2026)