LTV · monthly repayment
▼ 0.50% · 3.625%
HK$26,743
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,575
−HK$845/mo
Today · 4.125%
HK$28,420
baseline
▲ 0.50% · 4.625%
HK$30,150
+HK$1,730/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,840/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,752
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,550
−HK$809/mo
Today · 4.125%
HK$31,359
baseline
▲ 0.50% · 4.625%
HK$33,012
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,718/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,092
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,090
−HK$1,015/mo
Today · 4.125%
HK$34,105
baseline
▲ 0.50% · 4.625%
HK$36,180
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,210/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,702
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,660
−HK$971/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,615
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,441
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,605
−HK$1,184/mo
Today · 4.125%
HK$39,789
baseline
▲ 0.50% · 4.625%
HK$42,210
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,578/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,652
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,770
−HK$1,133/mo
Today · 4.125%
HK$43,903
baseline
▲ 0.50% · 4.625%
HK$46,217
+HK$2,314/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,806/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,138
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,635
−HK$1,522/mo
Today · 4.125%
HK$51,157
baseline
▲ 0.50% · 4.625%
HK$54,270
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,314/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,553
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,989
−HK$1,457/mo
Today · 4.125%
HK$56,446
baseline
▲ 0.50% · 4.625%
HK$59,422
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,892/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,809 · Scale 2, in force from 26 Feb 2026)