LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,288
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,044
−HK$767/mo
Today · 4.125%
HK$25,811
baseline
▲ 0.50% · 4.625%
HK$27,382
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,622/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,020
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,745
−HK$735/mo
Today · 4.125%
HK$28,480
baseline
▲ 0.50% · 4.625%
HK$29,981
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,960/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,146
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,052
−HK$921/mo
Today · 4.125%
HK$30,973
baseline
▲ 0.50% · 4.625%
HK$32,858
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,946/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,424
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,294
−HK$882/mo
Today · 4.125%
HK$34,176
baseline
▲ 0.50% · 4.625%
HK$35,978
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,352/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,003
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,061
−HK$1,075/mo
Today · 4.125%
HK$36,136
baseline
▲ 0.50% · 4.625%
HK$38,334
+HK$2,198/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,272/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,828
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,843
−HK$1,029/mo
Today · 4.125%
HK$39,872
baseline
▲ 0.50% · 4.625%
HK$41,974
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,744/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,719
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,079
−HK$1,381/mo
Today · 4.125%
HK$46,460
baseline
▲ 0.50% · 4.625%
HK$49,287
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,920/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,637
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,941
−HK$1,323/mo
Today · 4.125%
HK$51,264
baseline
▲ 0.50% · 4.625%
HK$53,966
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,528/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,432 · Scale 2, in force from 26 Feb 2026)