LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,235
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$576/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,558
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,287
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,831
−HK$552/mo
Today · 4.125%
HK$21,383
baseline
▲ 0.50% · 4.625%
HK$22,510
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,766/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,882
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,563
−HK$692/mo
Today · 4.125%
HK$23,255
baseline
▲ 0.50% · 4.625%
HK$24,670
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,510/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,344
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$662/mo
Today · 4.125%
HK$25,659
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,318/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,529
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$806/mo
Today · 4.125%
HK$27,130
baseline
▲ 0.50% · 4.625%
HK$28,781
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,260/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,401
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,163
−HK$773/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,514
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,824
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,845
−HK$1,037/mo
Today · 4.125%
HK$34,882
baseline
▲ 0.50% · 4.625%
HK$37,004
+HK$2,122/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,764/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,516
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,495
−HK$994/mo
Today · 4.125%
HK$38,489
baseline
▲ 0.50% · 4.625%
HK$40,518
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,978/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,912 · Scale 2, in force from 26 Feb 2026)