LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,524
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,318
−HK$806/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,775
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$772/mo
Today · 4.125%
HK$29,929
baseline
▲ 0.50% · 4.625%
HK$31,507
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,858/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,629
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$968/mo
Today · 4.125%
HK$32,549
baseline
▲ 0.50% · 4.625%
HK$34,530
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,098/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,074
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,988
−HK$927/mo
Today · 4.125%
HK$35,915
baseline
▲ 0.50% · 4.625%
HK$37,808
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,830/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,733
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,845
−HK$1,129/mo
Today · 4.125%
HK$37,974
baseline
▲ 0.50% · 4.625%
HK$40,285
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,948/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,753
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,819
−HK$1,082/mo
Today · 4.125%
HK$41,901
baseline
▲ 0.50% · 4.625%
HK$44,109
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,802/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,943
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,372
−HK$1,452/mo
Today · 4.125%
HK$48,824
baseline
▲ 0.50% · 4.625%
HK$51,795
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,648/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,111
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,482
−HK$1,390/mo
Today · 4.125%
HK$53,872
baseline
▲ 0.50% · 4.625%
HK$56,712
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,744/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,754 · Scale 2, in force from 26 Feb 2026)