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$270,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,833
−HK$1,233/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$270,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,629
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,395
−HK$778/mo
Today · 4.125%
HK$26,173
baseline
▲ 0.50% · 4.625%
HK$27,766
+HK$1,593/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$270,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,399
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,134
−HK$746/mo
Today · 4.125%
HK$28,880
baseline
▲ 0.50% · 4.625%
HK$30,402
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,760/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,734
−HK$1,801/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$270,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,966
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$870/mo
Today · 4.125%
HK$33,693
baseline
▲ 0.50% · 4.625%
HK$35,469
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,386/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,943
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,092
−HK$1,168/mo
Today · 4.125%
HK$39,260
baseline
▲ 0.50% · 4.625%
HK$41,649
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,520/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,099
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,201
−HK$1,118/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,603
+HK$2,284/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$270,074 · Scale 2, in force from 26 Feb 2026)