LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,239
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$576/mo
Today · 4.125%
HK$19,383
baseline
▲ 0.50% · 4.625%
HK$20,563
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,766/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,291
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,835
−HK$552/mo
Today · 4.125%
HK$21,387
baseline
▲ 0.50% · 4.625%
HK$22,515
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,774/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,887
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,568
−HK$692/mo
Today · 4.125%
HK$23,260
baseline
▲ 0.50% · 4.625%
HK$24,675
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,520/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,349
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,002
−HK$663/mo
Today · 4.125%
HK$25,665
baseline
▲ 0.50% · 4.625%
HK$27,018
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,330/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,535
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$807/mo
Today · 4.125%
HK$27,137
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,274/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,408
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,170
−HK$772/mo
Today · 4.125%
HK$29,942
baseline
▲ 0.50% · 4.625%
HK$31,521
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,884/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,831
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,852
−HK$1,038/mo
Today · 4.125%
HK$34,890
baseline
▲ 0.50% · 4.625%
HK$37,013
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,780/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,524
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,504
−HK$993/mo
Today · 4.125%
HK$38,497
baseline
▲ 0.50% · 4.625%
HK$40,527
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,994/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,966 · Scale 2, in force from 26 Feb 2026)