LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,563
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,265
−HK$713/mo
Today · 4.125%
HK$23,978
baseline
▲ 0.50% · 4.625%
HK$25,437
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,956/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,101
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,775
−HK$683/mo
Today · 4.125%
HK$26,458
baseline
▲ 0.50% · 4.625%
HK$27,852
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,916/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,076
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,918
−HK$856/mo
Today · 4.125%
HK$28,774
baseline
▲ 0.50% · 4.625%
HK$30,525
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,548/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,122
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,929
−HK$820/mo
Today · 4.125%
HK$31,749
baseline
▲ 0.50% · 4.625%
HK$33,423
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,498/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,589
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,571
−HK$998/mo
Today · 4.125%
HK$33,569
baseline
▲ 0.50% · 4.625%
HK$35,612
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,138/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,142
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,084
−HK$957/mo
Today · 4.125%
HK$37,041
baseline
▲ 0.50% · 4.625%
HK$38,993
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,082/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,614
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,877
−HK$1,284/mo
Today · 4.125%
HK$43,161
baseline
▲ 0.50% · 4.625%
HK$45,787
+HK$2,626/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,322/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,182
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,394
−HK$1,230/mo
Today · 4.125%
HK$47,624
baseline
▲ 0.50% · 4.625%
HK$50,134
+HK$2,510/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,248/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,504 · Scale 2, in force from 26 Feb 2026)