LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,257
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,825
−HK$577/mo
Today · 4.125%
HK$19,402
baseline
▲ 0.50% · 4.625%
HK$20,582
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,804/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,311
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,855
−HK$553/mo
Today · 4.125%
HK$21,408
baseline
▲ 0.50% · 4.625%
HK$22,536
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,816/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,908
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$692/mo
Today · 4.125%
HK$23,282
baseline
▲ 0.50% · 4.625%
HK$24,699
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,564/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,026
−HK$664/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,044
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,560
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$808/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,435
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,198
−HK$773/mo
Today · 4.125%
HK$29,971
baseline
▲ 0.50% · 4.625%
HK$31,551
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,942/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,863
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,885
−HK$1,038/mo
Today · 4.125%
HK$34,923
baseline
▲ 0.50% · 4.625%
HK$37,048
+HK$2,125/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,846/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,559
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,540
−HK$994/mo
Today · 4.125%
HK$38,534
baseline
▲ 0.50% · 4.625%
HK$40,566
+HK$2,032/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,068/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,197 · Scale 2, in force from 26 Feb 2026)