LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,262
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,830
−HK$577/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,588
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$553/mo
Today · 4.125%
HK$21,414
baseline
▲ 0.50% · 4.625%
HK$22,543
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,828/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,915
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$693/mo
Today · 4.125%
HK$23,289
baseline
▲ 0.50% · 4.625%
HK$24,706
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,578/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,380
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,034
−HK$663/mo
Today · 4.125%
HK$25,697
baseline
▲ 0.50% · 4.625%
HK$27,051
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,394/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,567
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,362
−HK$808/mo
Today · 4.125%
HK$27,170
baseline
▲ 0.50% · 4.625%
HK$28,823
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,340/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,443
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,206
−HK$774/mo
Today · 4.125%
HK$29,980
baseline
▲ 0.50% · 4.625%
HK$31,560
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,960/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,872
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,894
−HK$1,039/mo
Today · 4.125%
HK$34,933
baseline
▲ 0.50% · 4.625%
HK$37,059
+HK$2,126/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,866/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,570
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,550
−HK$995/mo
Today · 4.125%
HK$38,545
baseline
▲ 0.50% · 4.625%
HK$40,577
+HK$2,032/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,090/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,264 · Scale 2, in force from 26 Feb 2026)