LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,515
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$648/mo
Today · 4.125%
HK$21,802
baseline
▲ 0.50% · 4.625%
HK$23,129
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,604/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,823
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,435
−HK$621/mo
Today · 4.125%
HK$24,056
baseline
▲ 0.50% · 4.625%
HK$25,324
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,112/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,619
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,384
−HK$778/mo
Today · 4.125%
HK$26,162
baseline
▲ 0.50% · 4.625%
HK$27,754
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,324/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,388
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,122
−HK$746/mo
Today · 4.125%
HK$28,868
baseline
▲ 0.50% · 4.625%
HK$30,389
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,736/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,722
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,615
−HK$908/mo
Today · 4.125%
HK$30,523
baseline
▲ 0.50% · 4.625%
HK$32,380
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,046/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,953
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,810
−HK$869/mo
Today · 4.125%
HK$33,679
baseline
▲ 0.50% · 4.625%
HK$35,454
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,358/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,928
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,077
−HK$1,167/mo
Today · 4.125%
HK$39,244
baseline
▲ 0.50% · 4.625%
HK$41,631
+HK$2,387/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,488/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,082
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,184
−HK$1,117/mo
Today · 4.125%
HK$43,301
baseline
▲ 0.50% · 4.625%
HK$45,584
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,602/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,911 · Scale 2, in force from 26 Feb 2026)