LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,540
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$649/mo
Today · 4.125%
HK$21,828
baseline
▲ 0.50% · 4.625%
HK$23,156
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,656/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,851
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,463
−HK$622/mo
Today · 4.125%
HK$24,085
baseline
▲ 0.50% · 4.625%
HK$25,355
+HK$1,270/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,170/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,648
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$779/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,787
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,421
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,156
−HK$746/mo
Today · 4.125%
HK$28,902
baseline
▲ 0.50% · 4.625%
HK$30,426
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,804/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,756
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$908/mo
Today · 4.125%
HK$30,559
baseline
▲ 0.50% · 4.625%
HK$32,419
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,118/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,991
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,849
−HK$870/mo
Today · 4.125%
HK$33,719
baseline
▲ 0.50% · 4.625%
HK$35,497
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,438/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,972
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,122
−HK$1,169/mo
Today · 4.125%
HK$39,291
baseline
▲ 0.50% · 4.625%
HK$41,681
+HK$2,390/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,582/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,131
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,234
−HK$1,119/mo
Today · 4.125%
HK$43,353
baseline
▲ 0.50% · 4.625%
HK$45,638
+HK$2,285/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,706/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,777 · Scale 2, in force from 26 Feb 2026)