LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,952
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,448
−HK$504/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,984
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,904/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,746
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,222
−HK$483/mo
Today · 4.125%
HK$18,705
baseline
▲ 0.50% · 4.625%
HK$19,691
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,410/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,142
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,738
−HK$605/mo
Today · 4.125%
HK$20,343
baseline
▲ 0.50% · 4.625%
HK$21,580
+HK$1,237/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,686/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,295
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,867
−HK$579/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,629
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,332
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,027
−HK$706/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$25,177
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,845
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,511
−HK$676/mo
Today · 4.125%
HK$26,187
baseline
▲ 0.50% · 4.625%
HK$27,567
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,374/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,713
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$908/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,370
+HK$1,856/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,943
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,800
−HK$869/mo
Today · 4.125%
HK$33,669
baseline
▲ 0.50% · 4.625%
HK$35,444
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,338/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,869 · Scale 2, in force from 26 Feb 2026)