LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,952
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,449
−HK$504/mo
Today · 4.125%
HK$16,953
baseline
▲ 0.50% · 4.625%
HK$17,984
+HK$1,031/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,906/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,747
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,223
−HK$483/mo
Today · 4.125%
HK$18,706
baseline
▲ 0.50% · 4.625%
HK$19,692
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,412/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,143
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,738
−HK$605/mo
Today · 4.125%
HK$20,343
baseline
▲ 0.50% · 4.625%
HK$21,581
+HK$1,238/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$209,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,296
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,867
−HK$580/mo
Today · 4.125%
HK$22,447
baseline
▲ 0.50% · 4.625%
HK$23,630
+HK$1,183/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,894/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,028
−HK$706/mo
Today · 4.125%
HK$23,734
baseline
▲ 0.50% · 4.625%
HK$25,178
+HK$1,444/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,468/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,846
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,512
−HK$676/mo
Today · 4.125%
HK$26,188
baseline
▲ 0.50% · 4.625%
HK$27,568
+HK$1,380/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,376/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,714
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,607
−HK$908/mo
Today · 4.125%
HK$30,515
baseline
▲ 0.50% · 4.625%
HK$32,372
+HK$1,857/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,030/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,944
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,801
−HK$869/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,445
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,876 · Scale 2, in force from 26 Feb 2026)