LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,220
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,787
−HK$576/mo
Today · 4.125%
HK$19,363
baseline
▲ 0.50% · 4.625%
HK$20,541
+HK$1,178/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,726/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,270
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,814
−HK$551/mo
Today · 4.125%
HK$21,365
baseline
▲ 0.50% · 4.625%
HK$22,491
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,730/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,865
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,545
−HK$691/mo
Today · 4.125%
HK$23,236
baseline
▲ 0.50% · 4.625%
HK$24,650
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,472/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,324
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$662/mo
Today · 4.125%
HK$25,638
baseline
▲ 0.50% · 4.625%
HK$26,990
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,276/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,509
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,302
−HK$806/mo
Today · 4.125%
HK$27,108
baseline
▲ 0.50% · 4.625%
HK$28,758
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,216/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,378
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,139
−HK$772/mo
Today · 4.125%
HK$29,911
baseline
▲ 0.50% · 4.625%
HK$31,488
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,822/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,797
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,817
−HK$1,037/mo
Today · 4.125%
HK$34,854
baseline
▲ 0.50% · 4.625%
HK$36,974
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,708/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,486
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,465
−HK$992/mo
Today · 4.125%
HK$38,457
baseline
▲ 0.50% · 4.625%
HK$40,485
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,914/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,717 · Scale 2, in force from 26 Feb 2026)