LTV · monthly repayment
▼ 0.50% · 3.625%
HK$29,820
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,748
−HK$942/mo
Today · 4.125%
HK$31,690
baseline
▲ 0.50% · 4.625%
HK$33,619
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,380/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,175
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$903/mo
Today · 4.125%
HK$34,967
baseline
▲ 0.50% · 4.625%
HK$36,810
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,934/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,784
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,897
−HK$1,131/mo
Today · 4.125%
HK$38,028
baseline
▲ 0.50% · 4.625%
HK$40,342
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,056/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,810
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,877
−HK$1,084/mo
Today · 4.125%
HK$41,961
baseline
▲ 0.50% · 4.625%
HK$44,172
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,922/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,748
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,047
−HK$1,319/mo
Today · 4.125%
HK$44,366
baseline
▲ 0.50% · 4.625%
HK$47,066
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,732/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,445
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,690
−HK$1,264/mo
Today · 4.125%
HK$48,954
baseline
▲ 0.50% · 4.625%
HK$51,534
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,908/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,677
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,346
−HK$1,696/mo
Today · 4.125%
HK$57,042
baseline
▲ 0.50% · 4.625%
HK$60,513
+HK$3,471/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,084/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,715
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,316
−HK$1,625/mo
Today · 4.125%
HK$62,941
baseline
▲ 0.50% · 4.625%
HK$66,258
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,882/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,410 · Scale 2, in force from 26 Feb 2026)