LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,947
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,443
−HK$504/mo
Today · 4.125%
HK$16,947
baseline
▲ 0.50% · 4.625%
HK$17,978
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,894/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,741
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,217
−HK$483/mo
Today · 4.125%
HK$18,700
baseline
▲ 0.50% · 4.625%
HK$19,685
+HK$985/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,400/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,137
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,732
−HK$605/mo
Today · 4.125%
HK$20,337
baseline
▲ 0.50% · 4.625%
HK$21,574
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,674/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,289
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$580/mo
Today · 4.125%
HK$22,440
baseline
▲ 0.50% · 4.625%
HK$23,622
+HK$1,182/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,880/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,326
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,021
−HK$705/mo
Today · 4.125%
HK$23,726
baseline
▲ 0.50% · 4.625%
HK$25,170
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,452/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,838
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,504
−HK$675/mo
Today · 4.125%
HK$26,179
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,358/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,705
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,598
−HK$907/mo
Today · 4.125%
HK$30,505
baseline
▲ 0.50% · 4.625%
HK$32,361
+HK$1,856/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$61,010/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,934
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,791
−HK$868/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,434
+HK$1,775/mo
Deposit HK$699K · loan HK$6.29M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,809 · Scale 2, in force from 26 Feb 2026)