LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,953
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,449
−HK$504/mo
Today · 4.125%
HK$16,953
baseline
▲ 0.50% · 4.625%
HK$17,985
+HK$1,032/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$209,881 · 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$209,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,143
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$605/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,297
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,868
−HK$579/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$209,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,334
−HK$1,400/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$209,881 · 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$27,569
+HK$1,381/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$209,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,715
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,608
−HK$908/mo
Today · 4.125%
HK$30,516
baseline
▲ 0.50% · 4.625%
HK$32,372
+HK$1,856/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,032/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,945
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,802
−HK$869/mo
Today · 4.125%
HK$33,671
baseline
▲ 0.50% · 4.625%
HK$35,446
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,342/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$209,881 · Scale 2, in force from 26 Feb 2026)