LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,248
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,815
−HK$577/mo
Today · 4.125%
HK$19,392
baseline
▲ 0.50% · 4.625%
HK$20,572
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,784/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,300
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,845
−HK$552/mo
Today · 4.125%
HK$21,397
baseline
▲ 0.50% · 4.625%
HK$22,525
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,794/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,897
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,578
−HK$692/mo
Today · 4.125%
HK$23,270
baseline
▲ 0.50% · 4.625%
HK$24,686
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,540/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,360
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,014
−HK$663/mo
Today · 4.125%
HK$25,677
baseline
▲ 0.50% · 4.625%
HK$27,030
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,354/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,547
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,341
−HK$808/mo
Today · 4.125%
HK$27,149
baseline
▲ 0.50% · 4.625%
HK$28,801
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,298/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,421
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,183
−HK$773/mo
Today · 4.125%
HK$29,956
baseline
▲ 0.50% · 4.625%
HK$31,535
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,912/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,846
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,868
−HK$1,038/mo
Today · 4.125%
HK$34,906
baseline
▲ 0.50% · 4.625%
HK$37,030
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,812/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,541
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,521
−HK$994/mo
Today · 4.125%
HK$38,515
baseline
▲ 0.50% · 4.625%
HK$40,545
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,030/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,075 · Scale 2, in force from 26 Feb 2026)