LTV · monthly repayment
▼ 0.50% · 3.625%
HK$28,870
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$913/mo
Today · 4.125%
HK$30,681
baseline
▲ 0.50% · 4.625%
HK$32,547
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,362/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,118
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,979
−HK$874/mo
Today · 4.125%
HK$33,853
baseline
▲ 0.50% · 4.625%
HK$35,637
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,706/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,644
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,722
−HK$1,095/mo
Today · 4.125%
HK$36,817
baseline
▲ 0.50% · 4.625%
HK$39,057
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,634/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,541
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,575
−HK$1,049/mo
Today · 4.125%
HK$40,624
baseline
▲ 0.50% · 4.625%
HK$42,765
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,248/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,418
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,675
−HK$1,278/mo
Today · 4.125%
HK$42,953
baseline
▲ 0.50% · 4.625%
HK$45,566
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,906/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,965
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,171
−HK$1,223/mo
Today · 4.125%
HK$47,394
baseline
▲ 0.50% · 4.625%
HK$49,892
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,788/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,966
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,583
−HK$1,642/mo
Today · 4.125%
HK$55,225
baseline
▲ 0.50% · 4.625%
HK$58,585
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,450/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,812
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,363
−HK$1,572/mo
Today · 4.125%
HK$60,935
baseline
▲ 0.50% · 4.625%
HK$64,147
+HK$3,212/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,870/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,786 · Scale 2, in force from 26 Feb 2026)