LTV · monthly repayment
▼ 0.50% · 3.625%
HK$22,690
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,395
−HK$717/mo
Today · 4.125%
HK$24,112
baseline
▲ 0.50% · 4.625%
HK$25,580
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,224/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,242
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$687/mo
Today · 4.125%
HK$26,606
baseline
▲ 0.50% · 4.625%
HK$28,008
+HK$1,402/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,212/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,228
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,074
−HK$861/mo
Today · 4.125%
HK$28,935
baseline
▲ 0.50% · 4.625%
HK$30,696
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,870/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,290
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,103
−HK$824/mo
Today · 4.125%
HK$31,927
baseline
▲ 0.50% · 4.625%
HK$33,610
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,854/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,765
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,754
−HK$1,003/mo
Today · 4.125%
HK$33,757
baseline
▲ 0.50% · 4.625%
HK$35,812
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,514/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,339
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,287
−HK$961/mo
Today · 4.125%
HK$37,248
baseline
▲ 0.50% · 4.625%
HK$39,211
+HK$1,963/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,496/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,841
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,112
−HK$1,290/mo
Today · 4.125%
HK$43,402
baseline
▲ 0.50% · 4.625%
HK$46,043
+HK$2,641/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,804/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,436
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,654
−HK$1,236/mo
Today · 4.125%
HK$47,890
baseline
▲ 0.50% · 4.625%
HK$50,415
+HK$2,525/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,780/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,048 · Scale 2, in force from 26 Feb 2026)