LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,256
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,824
−HK$576/mo
Today · 4.125%
HK$19,400
baseline
▲ 0.50% · 4.625%
HK$20,581
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,800/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,309
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$552/mo
Today · 4.125%
HK$21,406
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,812/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,907
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,588
−HK$693/mo
Today · 4.125%
HK$23,281
baseline
▲ 0.50% · 4.625%
HK$24,697
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,562/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,371
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$663/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,558
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,353
−HK$808/mo
Today · 4.125%
HK$27,161
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,322/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,433
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$774/mo
Today · 4.125%
HK$29,969
baseline
▲ 0.50% · 4.625%
HK$31,549
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,938/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,860
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,882
−HK$1,039/mo
Today · 4.125%
HK$34,921
baseline
▲ 0.50% · 4.625%
HK$37,046
+HK$2,125/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,842/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,557
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,537
−HK$995/mo
Today · 4.125%
HK$38,532
baseline
▲ 0.50% · 4.625%
HK$40,563
+HK$2,031/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,064/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,179 · Scale 2, in force from 26 Feb 2026)