LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,287
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,042
−HK$768/mo
Today · 4.125%
HK$25,810
baseline
▲ 0.50% · 4.625%
HK$27,380
+HK$1,570/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,620/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,019
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,743
−HK$736/mo
Today · 4.125%
HK$28,479
baseline
▲ 0.50% · 4.625%
HK$29,980
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,958/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,144
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,051
−HK$921/mo
Today · 4.125%
HK$30,972
baseline
▲ 0.50% · 4.625%
HK$32,856
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,944/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,423
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,292
−HK$882/mo
Today · 4.125%
HK$34,174
baseline
▲ 0.50% · 4.625%
HK$35,976
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,348/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,001
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,059
−HK$1,075/mo
Today · 4.125%
HK$36,134
baseline
▲ 0.50% · 4.625%
HK$38,332
+HK$2,198/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,268/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,826
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,841
−HK$1,029/mo
Today · 4.125%
HK$39,870
baseline
▲ 0.50% · 4.625%
HK$41,972
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,740/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,716
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,076
−HK$1,382/mo
Today · 4.125%
HK$46,458
baseline
▲ 0.50% · 4.625%
HK$49,284
+HK$2,826/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,916/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,634
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,938
−HK$1,323/mo
Today · 4.125%
HK$51,261
baseline
▲ 0.50% · 4.625%
HK$53,963
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,522/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,409 · Scale 2, in force from 26 Feb 2026)