LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,227
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$576/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,549
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$551/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,500
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,873
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,553
−HK$692/mo
Today · 4.125%
HK$23,245
baseline
▲ 0.50% · 4.625%
HK$24,659
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,490/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,333
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$662/mo
Today · 4.125%
HK$25,648
baseline
▲ 0.50% · 4.625%
HK$27,000
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,296/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,518
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,312
−HK$807/mo
Today · 4.125%
HK$27,119
baseline
▲ 0.50% · 4.625%
HK$28,769
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,238/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,389
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,150
−HK$773/mo
Today · 4.125%
HK$29,923
baseline
▲ 0.50% · 4.625%
HK$31,500
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,846/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,809
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,830
−HK$1,037/mo
Today · 4.125%
HK$34,867
baseline
▲ 0.50% · 4.625%
HK$36,988
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,734/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,500
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,479
−HK$993/mo
Today · 4.125%
HK$38,472
baseline
▲ 0.50% · 4.625%
HK$40,500
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,944/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,809 · Scale 2, in force from 26 Feb 2026)