LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,526
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,164
−HK$649/mo
Today · 4.125%
HK$21,813
baseline
▲ 0.50% · 4.625%
HK$23,140
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,626/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,835
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,447
−HK$622/mo
Today · 4.125%
HK$24,069
baseline
▲ 0.50% · 4.625%
HK$25,337
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,138/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,631
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,397
−HK$779/mo
Today · 4.125%
HK$26,176
baseline
▲ 0.50% · 4.625%
HK$27,768
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,352/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,402
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,137
−HK$745/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,405
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,736
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,630
−HK$908/mo
Today · 4.125%
HK$30,538
baseline
▲ 0.50% · 4.625%
HK$32,396
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,076/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,969
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,826
−HK$870/mo
Today · 4.125%
HK$33,696
baseline
▲ 0.50% · 4.625%
HK$35,472
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,392/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,947
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,096
−HK$1,167/mo
Today · 4.125%
HK$39,263
baseline
▲ 0.50% · 4.625%
HK$41,653
+HK$2,390/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,526/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,103
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,205
−HK$1,118/mo
Today · 4.125%
HK$43,323
baseline
▲ 0.50% · 4.625%
HK$45,607
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,646/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,157 · Scale 2, in force from 26 Feb 2026)