LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,324
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,019
−HK$705/mo
Today · 4.125%
HK$23,724
baseline
▲ 0.50% · 4.625%
HK$25,168
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,448/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$349,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,835
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,501
−HK$676/mo
Today · 4.125%
HK$26,177
baseline
▲ 0.50% · 4.625%
HK$27,557
+HK$1,380/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,354/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$349,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,789
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,622
−HK$847/mo
Today · 4.125%
HK$28,469
baseline
▲ 0.50% · 4.625%
HK$30,201
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,938/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,802
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,602
−HK$811/mo
Today · 4.125%
HK$31,413
baseline
▲ 0.50% · 4.625%
HK$33,068
+HK$1,655/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,826/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,254
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,226
−HK$988/mo
Today · 4.125%
HK$33,214
baseline
▲ 0.50% · 4.625%
HK$35,235
+HK$2,021/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,428/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,770
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,702
−HK$946/mo
Today · 4.125%
HK$36,648
baseline
▲ 0.50% · 4.625%
HK$38,580
+HK$1,932/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,296/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,183
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,433
−HK$1,270/mo
Today · 4.125%
HK$42,703
baseline
▲ 0.50% · 4.625%
HK$45,302
+HK$2,599/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,406/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,704
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,903
−HK$1,216/mo
Today · 4.125%
HK$47,119
baseline
▲ 0.50% · 4.625%
HK$49,603
+HK$2,484/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,238/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,020 · Scale 2, in force from 26 Feb 2026)