LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,507
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,144
−HK$649/mo
Today · 4.125%
HK$21,793
baseline
▲ 0.50% · 4.625%
HK$23,119
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,586/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,813
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,425
−HK$621/mo
Today · 4.125%
HK$24,046
baseline
▲ 0.50% · 4.625%
HK$25,313
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,092/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,608
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,373
−HK$778/mo
Today · 4.125%
HK$26,151
baseline
▲ 0.50% · 4.625%
HK$27,742
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,302/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,376
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,110
−HK$745/mo
Today · 4.125%
HK$28,855
baseline
▲ 0.50% · 4.625%
HK$30,376
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,710/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,709
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,602
−HK$908/mo
Today · 4.125%
HK$30,510
baseline
▲ 0.50% · 4.625%
HK$32,366
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,020/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,939
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,795
−HK$869/mo
Today · 4.125%
HK$33,664
baseline
▲ 0.50% · 4.625%
HK$35,439
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,328/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,912
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,060
−HK$1,167/mo
Today · 4.125%
HK$39,227
baseline
▲ 0.50% · 4.625%
HK$41,613
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,454/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,064
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,165
−HK$1,118/mo
Today · 4.125%
HK$43,283
baseline
▲ 0.50% · 4.625%
HK$45,564
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,566/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,794 · Scale 2, in force from 26 Feb 2026)