LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,279
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,034
−HK$768/mo
Today · 4.125%
HK$25,802
baseline
▲ 0.50% · 4.625%
HK$27,372
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,604/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,010
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,735
−HK$735/mo
Today · 4.125%
HK$28,470
baseline
▲ 0.50% · 4.625%
HK$29,970
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,940/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,135
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,041
−HK$921/mo
Today · 4.125%
HK$30,962
baseline
▲ 0.50% · 4.625%
HK$32,846
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,924/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,413
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$882/mo
Today · 4.125%
HK$34,164
baseline
▲ 0.50% · 4.625%
HK$35,964
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,328/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,991
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,048
−HK$1,075/mo
Today · 4.125%
HK$36,123
baseline
▲ 0.50% · 4.625%
HK$38,320
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,246/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,815
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,829
−HK$1,029/mo
Today · 4.125%
HK$39,858
baseline
▲ 0.50% · 4.625%
HK$41,959
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,716/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,703
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,062
−HK$1,381/mo
Today · 4.125%
HK$46,443
baseline
▲ 0.50% · 4.625%
HK$49,269
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,886/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,619
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,923
−HK$1,323/mo
Today · 4.125%
HK$51,246
baseline
▲ 0.50% · 4.625%
HK$53,947
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,492/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,286 · Scale 2, in force from 26 Feb 2026)