LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,964
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,461
−HK$504/mo
Today · 4.125%
HK$16,965
baseline
▲ 0.50% · 4.625%
HK$17,998
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,930/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,760
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,236
−HK$484/mo
Today · 4.125%
HK$18,720
baseline
▲ 0.50% · 4.625%
HK$19,706
+HK$986/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,440/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,157
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,753
−HK$605/mo
Today · 4.125%
HK$20,358
baseline
▲ 0.50% · 4.625%
HK$21,597
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,716/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,312
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,884
−HK$579/mo
Today · 4.125%
HK$22,463
baseline
▲ 0.50% · 4.625%
HK$23,647
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,926/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,350
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,045
−HK$706/mo
Today · 4.125%
HK$23,751
baseline
▲ 0.50% · 4.625%
HK$25,197
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,502/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,864
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,531
−HK$676/mo
Today · 4.125%
HK$26,207
baseline
▲ 0.50% · 4.625%
HK$27,589
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,414/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,736
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,629
−HK$908/mo
Today · 4.125%
HK$30,537
baseline
▲ 0.50% · 4.625%
HK$32,396
+HK$1,859/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,074/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,968
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,825
−HK$870/mo
Today · 4.125%
HK$33,695
baseline
▲ 0.50% · 4.625%
HK$35,471
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,390/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,032 · Scale 2, in force from 26 Feb 2026)