LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,246
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,814
−HK$576/mo
Today · 4.125%
HK$19,390
baseline
▲ 0.50% · 4.625%
HK$20,570
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,780/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,299
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,843
−HK$552/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,523
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,895
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,577
−HK$692/mo
Today · 4.125%
HK$23,269
baseline
▲ 0.50% · 4.625%
HK$24,684
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,538/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,359
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,012
−HK$663/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,028
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,545
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,339
−HK$808/mo
Today · 4.125%
HK$27,147
baseline
▲ 0.50% · 4.625%
HK$28,798
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,294/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,418
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,180
−HK$774/mo
Today · 4.125%
HK$29,954
baseline
▲ 0.50% · 4.625%
HK$31,533
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,908/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,843
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,865
−HK$1,038/mo
Today · 4.125%
HK$34,903
baseline
▲ 0.50% · 4.625%
HK$37,027
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,806/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,538
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,518
−HK$994/mo
Today · 4.125%
HK$38,512
baseline
▲ 0.50% · 4.625%
HK$40,542
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,024/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,056 · Scale 2, in force from 26 Feb 2026)