LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,770
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,696
−HK$941/mo
Today · 4.125%
HK$31,637
baseline
▲ 0.50% · 4.625%
HK$33,562
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,274/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,119
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,007
−HK$901/mo
Today · 4.125%
HK$34,908
baseline
▲ 0.50% · 4.625%
HK$36,748
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,816/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,724
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,835
−HK$1,129/mo
Today · 4.125%
HK$37,964
baseline
▲ 0.50% · 4.625%
HK$40,274
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,928/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,742
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,808
−HK$1,081/mo
Today · 4.125%
HK$41,889
baseline
▲ 0.50% · 4.625%
HK$44,098
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,778/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,678
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,974
−HK$1,317/mo
Today · 4.125%
HK$44,291
baseline
▲ 0.50% · 4.625%
HK$46,986
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,582/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,366
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,610
−HK$1,261/mo
Today · 4.125%
HK$48,871
baseline
▲ 0.50% · 4.625%
HK$51,447
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,742/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,586
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,252
−HK$1,694/mo
Today · 4.125%
HK$56,946
baseline
▲ 0.50% · 4.625%
HK$60,411
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,892/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,613
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,212
−HK$1,622/mo
Today · 4.125%
HK$62,834
baseline
▲ 0.50% · 4.625%
HK$66,146
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,668/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,580 · Scale 2, in force from 26 Feb 2026)