LTV · monthly repayment
▼ 0.50% · 3.625%
HK$24,988
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,765
−HK$790/mo
Today · 4.125%
HK$26,555
baseline
▲ 0.50% · 4.625%
HK$28,170
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,110/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,798
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$756/mo
Today · 4.125%
HK$29,300
baseline
▲ 0.50% · 4.625%
HK$30,845
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,600/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,985
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,918
−HK$947/mo
Today · 4.125%
HK$31,865
baseline
▲ 0.50% · 4.625%
HK$33,804
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,730/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,358
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,253
−HK$907/mo
Today · 4.125%
HK$35,160
baseline
▲ 0.50% · 4.625%
HK$37,014
+HK$1,854/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,320/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,983
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,071
−HK$1,105/mo
Today · 4.125%
HK$37,176
baseline
▲ 0.50% · 4.625%
HK$39,438
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,352/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,918
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,962
−HK$1,058/mo
Today · 4.125%
HK$41,020
baseline
▲ 0.50% · 4.625%
HK$43,183
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,040/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,978
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,377
−HK$1,421/mo
Today · 4.125%
HK$47,798
baseline
▲ 0.50% · 4.625%
HK$50,707
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,596/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,037
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,379
−HK$1,362/mo
Today · 4.125%
HK$52,741
baseline
▲ 0.50% · 4.625%
HK$55,521
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,482/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,934 · Scale 2, in force from 26 Feb 2026)