LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,524
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$649/mo
Today · 4.125%
HK$21,811
baseline
▲ 0.50% · 4.625%
HK$23,138
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,622/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,445
−HK$621/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,335
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,132/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,628
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,395
−HK$778/mo
Today · 4.125%
HK$26,173
baseline
▲ 0.50% · 4.625%
HK$27,765
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,346/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,399
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,134
−HK$745/mo
Today · 4.125%
HK$28,879
baseline
▲ 0.50% · 4.625%
HK$30,401
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,758/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,733
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,627
−HK$908/mo
Today · 4.125%
HK$30,535
baseline
▲ 0.50% · 4.625%
HK$32,393
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,070/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,965
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$869/mo
Today · 4.125%
HK$33,692
baseline
▲ 0.50% · 4.625%
HK$35,468
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,384/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,943
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,092
−HK$1,167/mo
Today · 4.125%
HK$39,259
baseline
▲ 0.50% · 4.625%
HK$41,648
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,518/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,098
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,201
−HK$1,118/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,602
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,062 · Scale 2, in force from 26 Feb 2026)