LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,512
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$648/mo
Today · 4.125%
HK$21,798
baseline
▲ 0.50% · 4.625%
HK$23,125
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,596/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,819
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,431
−HK$621/mo
Today · 4.125%
HK$24,052
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,104/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,614
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,380
−HK$778/mo
Today · 4.125%
HK$26,158
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,316/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,383
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,118
−HK$745/mo
Today · 4.125%
HK$28,863
baseline
▲ 0.50% · 4.625%
HK$30,384
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,726/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,717
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$908/mo
Today · 4.125%
HK$30,518
baseline
▲ 0.50% · 4.625%
HK$32,374
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,036/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,947
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,804
−HK$869/mo
Today · 4.125%
HK$33,673
baseline
▲ 0.50% · 4.625%
HK$35,448
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,346/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,922
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,070
−HK$1,167/mo
Today · 4.125%
HK$39,237
baseline
▲ 0.50% · 4.625%
HK$41,624
+HK$2,387/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,474/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,075
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,176
−HK$1,118/mo
Today · 4.125%
HK$43,294
baseline
▲ 0.50% · 4.625%
HK$45,576
+HK$2,282/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,588/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,865 · Scale 2, in force from 26 Feb 2026)