LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,204
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$765/mo
Today · 4.125%
HK$25,722
baseline
▲ 0.50% · 4.625%
HK$27,287
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,444/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,927
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,649
−HK$733/mo
Today · 4.125%
HK$28,382
baseline
▲ 0.50% · 4.625%
HK$29,878
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,764/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,045
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,949
−HK$918/mo
Today · 4.125%
HK$30,867
baseline
▲ 0.50% · 4.625%
HK$32,745
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,734/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,313
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,179
−HK$879/mo
Today · 4.125%
HK$34,058
baseline
▲ 0.50% · 4.625%
HK$35,854
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,116/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,886
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,940
−HK$1,071/mo
Today · 4.125%
HK$36,011
baseline
▲ 0.50% · 4.625%
HK$38,202
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,022/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,698
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,709
−HK$1,026/mo
Today · 4.125%
HK$39,735
baseline
▲ 0.50% · 4.625%
HK$41,829
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,470/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,568
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,923
−HK$1,377/mo
Today · 4.125%
HK$46,300
baseline
▲ 0.50% · 4.625%
HK$49,117
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,600/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,469
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,769
−HK$1,319/mo
Today · 4.125%
HK$51,088
baseline
▲ 0.50% · 4.625%
HK$53,780
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,176/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,055 · Scale 2, in force from 26 Feb 2026)