LTV · monthly repayment
▼ 0.50% · 3.625%
HK$25,548
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,343
−HK$807/mo
Today · 4.125%
HK$27,150
baseline
▲ 0.50% · 4.625%
HK$28,802
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,300/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,422
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,184
−HK$774/mo
Today · 4.125%
HK$29,958
baseline
▲ 0.50% · 4.625%
HK$31,537
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,916/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,658
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,611
−HK$969/mo
Today · 4.125%
HK$32,580
baseline
▲ 0.50% · 4.625%
HK$34,563
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,160/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,106
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,021
−HK$928/mo
Today · 4.125%
HK$35,949
baseline
▲ 0.50% · 4.625%
HK$37,844
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,898/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,767
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,880
−HK$1,130/mo
Today · 4.125%
HK$38,010
baseline
▲ 0.50% · 4.625%
HK$40,323
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,020/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,791
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,858
−HK$1,083/mo
Today · 4.125%
HK$41,941
baseline
▲ 0.50% · 4.625%
HK$44,151
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,882/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,987
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,417
−HK$1,453/mo
Today · 4.125%
HK$48,870
baseline
▲ 0.50% · 4.625%
HK$51,844
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,740/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,160
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,532
−HK$1,392/mo
Today · 4.125%
HK$53,924
baseline
▲ 0.50% · 4.625%
HK$56,766
+HK$2,842/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,848/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,152 · Scale 2, in force from 26 Feb 2026)