LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,943
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,439
−HK$504/mo
Today · 4.125%
HK$16,943
baseline
▲ 0.50% · 4.625%
HK$17,974
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,886/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,737
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,212
−HK$483/mo
Today · 4.125%
HK$18,695
baseline
▲ 0.50% · 4.625%
HK$19,680
+HK$985/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,390/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$605/mo
Today · 4.125%
HK$20,332
baseline
▲ 0.50% · 4.625%
HK$21,569
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,664/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,284
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,855
−HK$579/mo
Today · 4.125%
HK$22,434
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,868/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,321
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$705/mo
Today · 4.125%
HK$23,720
baseline
▲ 0.50% · 4.625%
HK$25,164
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,440/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,832
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,497
−HK$676/mo
Today · 4.125%
HK$26,173
baseline
▲ 0.50% · 4.625%
HK$27,553
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,346/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,698
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,591
−HK$907/mo
Today · 4.125%
HK$30,498
baseline
▲ 0.50% · 4.625%
HK$32,353
+HK$1,855/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$60,996/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,926
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,782
−HK$869/mo
Today · 4.125%
HK$33,651
baseline
▲ 0.50% · 4.625%
HK$35,425
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,302/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,758 · Scale 2, in force from 26 Feb 2026)