LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,574
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$713/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,449
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,113
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,786
−HK$684/mo
Today · 4.125%
HK$26,470
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,940/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,088
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,931
−HK$856/mo
Today · 4.125%
HK$28,787
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,574/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,135
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,944
−HK$820/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,438
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,603
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,586
−HK$999/mo
Today · 4.125%
HK$33,585
baseline
▲ 0.50% · 4.625%
HK$35,628
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,170/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,158
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,101
−HK$957/mo
Today · 4.125%
HK$37,058
baseline
▲ 0.50% · 4.625%
HK$39,011
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,116/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,632
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,896
−HK$1,284/mo
Today · 4.125%
HK$43,180
baseline
▲ 0.50% · 4.625%
HK$45,808
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,360/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,203
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,416
−HK$1,229/mo
Today · 4.125%
HK$47,645
baseline
▲ 0.50% · 4.625%
HK$50,157
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,290/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,959 · Scale 2, in force from 26 Feb 2026)