LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,523
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,161
−HK$649/mo
Today · 4.125%
HK$21,810
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,620/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,831
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$621/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,333
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,393
−HK$779/mo
Today · 4.125%
HK$26,172
baseline
▲ 0.50% · 4.625%
HK$27,764
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,344/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,398
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,132
−HK$746/mo
Today · 4.125%
HK$28,878
baseline
▲ 0.50% · 4.625%
HK$30,400
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,756/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,732
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,626
−HK$908/mo
Today · 4.125%
HK$30,534
baseline
▲ 0.50% · 4.625%
HK$32,391
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,068/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,964
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,821
−HK$870/mo
Today · 4.125%
HK$33,691
baseline
▲ 0.50% · 4.625%
HK$35,467
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,382/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,941
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,090
−HK$1,167/mo
Today · 4.125%
HK$39,257
baseline
▲ 0.50% · 4.625%
HK$41,646
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,514/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,096
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,199
−HK$1,118/mo
Today · 4.125%
HK$43,317
baseline
▲ 0.50% · 4.625%
HK$45,600
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,634/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,019 · Scale 2, in force from 26 Feb 2026)