LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,959
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,456
−HK$504/mo
Today · 4.125%
HK$16,960
baseline
▲ 0.50% · 4.625%
HK$17,992
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,920/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,754
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,231
−HK$483/mo
Today · 4.125%
HK$18,714
baseline
▲ 0.50% · 4.625%
HK$19,700
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,428/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$209,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,151
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,747
−HK$605/mo
Today · 4.125%
HK$20,352
baseline
▲ 0.50% · 4.625%
HK$21,590
+HK$1,238/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,704/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,305
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$579/mo
Today · 4.125%
HK$22,456
baseline
▲ 0.50% · 4.625%
HK$23,640
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,912/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$209,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,343
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,038
−HK$706/mo
Today · 4.125%
HK$23,744
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,488/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,856
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,523
−HK$676/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,398/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$209,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,727
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,620
−HK$908/mo
Today · 4.125%
HK$30,528
baseline
▲ 0.50% · 4.625%
HK$32,386
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,056/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,958
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,815
−HK$870/mo
Today · 4.125%
HK$33,685
baseline
▲ 0.50% · 4.625%
HK$35,460
+HK$1,775/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,370/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$209,966 · Scale 2, in force from 26 Feb 2026)