LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,369
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,127
−HK$771/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,473
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,111
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$737/mo
Today · 4.125%
HK$28,575
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,507/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,150/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,243
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,153
−HK$924/mo
Today · 4.125%
HK$31,077
baseline
▲ 0.50% · 4.625%
HK$32,968
+HK$1,891/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,154/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,533
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,405
−HK$885/mo
Today · 4.125%
HK$34,290
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$1,808/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,580/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,117
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,178
−HK$1,079/mo
Today · 4.125%
HK$36,257
baseline
▲ 0.50% · 4.625%
HK$38,463
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,514/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,955
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,973
−HK$1,033/mo
Today · 4.125%
HK$40,006
baseline
▲ 0.50% · 4.625%
HK$42,114
+HK$2,108/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,012/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,865
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,229
−HK$1,387/mo
Today · 4.125%
HK$46,616
baseline
▲ 0.50% · 4.625%
HK$49,452
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,232/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,799
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,108
−HK$1,328/mo
Today · 4.125%
HK$51,436
baseline
▲ 0.50% · 4.625%
HK$54,147
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,872/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,767 · Scale 2, in force from 26 Feb 2026)