LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,553
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,254
−HK$713/mo
Today · 4.125%
HK$23,967
baseline
▲ 0.50% · 4.625%
HK$25,425
+HK$1,458/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,934/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$359,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,090
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,763
−HK$682/mo
Today · 4.125%
HK$26,445
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,890/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$359,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,063
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,905
−HK$855/mo
Today · 4.125%
HK$28,760
baseline
▲ 0.50% · 4.625%
HK$30,510
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,520/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,108
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,915
−HK$819/mo
Today · 4.125%
HK$31,734
baseline
▲ 0.50% · 4.625%
HK$33,407
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,468/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,574
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,556
−HK$998/mo
Today · 4.125%
HK$33,554
baseline
▲ 0.50% · 4.625%
HK$35,595
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,108/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,126
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,068
−HK$955/mo
Today · 4.125%
HK$37,023
baseline
▲ 0.50% · 4.625%
HK$38,975
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,046/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,595
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,858
−HK$1,283/mo
Today · 4.125%
HK$43,141
baseline
▲ 0.50% · 4.625%
HK$45,766
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,282/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,161
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,373
−HK$1,228/mo
Today · 4.125%
HK$47,601
baseline
▲ 0.50% · 4.625%
HK$50,111
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,202/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,045 · Scale 2, in force from 26 Feb 2026)