LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,944
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,440
−HK$504/mo
Today · 4.125%
HK$16,944
baseline
▲ 0.50% · 4.625%
HK$17,975
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,888/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,737
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,213
−HK$483/mo
Today · 4.125%
HK$18,696
baseline
▲ 0.50% · 4.625%
HK$19,681
+HK$985/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,392/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,728
−HK$604/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$209,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,285
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$579/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,321
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,016
−HK$705/mo
Today · 4.125%
HK$23,721
baseline
▲ 0.50% · 4.625%
HK$25,164
+HK$1,443/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$47,442/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,832
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,498
−HK$676/mo
Today · 4.125%
HK$26,174
baseline
▲ 0.50% · 4.625%
HK$27,553
+HK$1,379/mo
Deposit HK$2.10M · loan HK$4.89M · min. income ≈ HK$52,348/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,699
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,591
−HK$907/mo
Today · 4.125%
HK$30,498
baseline
▲ 0.50% · 4.625%
HK$32,354
+HK$1,856/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$209,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,927
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,783
−HK$869/mo
Today · 4.125%
HK$33,652
baseline
▲ 0.50% · 4.625%
HK$35,426
+HK$1,774/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,304/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,763 · Scale 2, in force from 26 Feb 2026)