LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,251
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,819
−HK$576/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,576
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,304
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,849
−HK$552/mo
Today · 4.125%
HK$21,401
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,802/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,901
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,582
−HK$693/mo
Today · 4.125%
HK$23,275
baseline
▲ 0.50% · 4.625%
HK$24,691
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,550/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,365
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,018
−HK$663/mo
Today · 4.125%
HK$25,681
baseline
▲ 0.50% · 4.625%
HK$27,035
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,362/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,551
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,346
−HK$808/mo
Today · 4.125%
HK$27,154
baseline
▲ 0.50% · 4.625%
HK$28,806
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,308/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,426
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,188
−HK$773/mo
Today · 4.125%
HK$29,961
baseline
▲ 0.50% · 4.625%
HK$31,541
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,922/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,874
−HK$1,038/mo
Today · 4.125%
HK$34,912
baseline
▲ 0.50% · 4.625%
HK$37,036
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,824/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,547
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,527
−HK$995/mo
Today · 4.125%
HK$38,522
baseline
▲ 0.50% · 4.625%
HK$40,552
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,044/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,118 · Scale 2, in force from 26 Feb 2026)