LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,518
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$649/mo
Today · 4.125%
HK$21,805
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,610/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,826
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,438
−HK$622/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,328
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,622
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$778/mo
Today · 4.125%
HK$26,166
baseline
▲ 0.50% · 4.625%
HK$27,758
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,332/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,392
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,126
−HK$745/mo
Today · 4.125%
HK$28,871
baseline
▲ 0.50% · 4.625%
HK$30,393
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,742/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,725
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,619
−HK$908/mo
Today · 4.125%
HK$30,527
baseline
▲ 0.50% · 4.625%
HK$32,384
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,054/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,957
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,814
−HK$869/mo
Today · 4.125%
HK$33,683
baseline
▲ 0.50% · 4.625%
HK$35,459
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,366/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,933
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,082
−HK$1,167/mo
Today · 4.125%
HK$39,249
baseline
▲ 0.50% · 4.625%
HK$41,637
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,498/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,087
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,189
−HK$1,118/mo
Today · 4.125%
HK$43,307
baseline
▲ 0.50% · 4.625%
HK$45,590
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,614/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,946 · Scale 2, in force from 26 Feb 2026)