LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,517
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,155
−HK$648/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$23,130
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,437
−HK$621/mo
Today · 4.125%
HK$24,058
baseline
▲ 0.50% · 4.625%
HK$25,326
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,116/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,620
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,386
−HK$778/mo
Today · 4.125%
HK$26,164
baseline
▲ 0.50% · 4.625%
HK$27,756
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,328/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,390
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$745/mo
Today · 4.125%
HK$28,869
baseline
▲ 0.50% · 4.625%
HK$30,391
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,738/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,723
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,617
−HK$908/mo
Today · 4.125%
HK$30,525
baseline
▲ 0.50% · 4.625%
HK$32,382
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,050/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,955
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,812
−HK$869/mo
Today · 4.125%
HK$33,681
baseline
▲ 0.50% · 4.625%
HK$35,456
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,362/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,930
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,079
−HK$1,167/mo
Today · 4.125%
HK$39,246
baseline
▲ 0.50% · 4.625%
HK$41,634
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,492/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,084
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,186
−HK$1,118/mo
Today · 4.125%
HK$43,304
baseline
▲ 0.50% · 4.625%
HK$45,587
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,608/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,927 · Scale 2, in force from 26 Feb 2026)