LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,966
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,462
−HK$505/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$17,999
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,762
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,238
−HK$483/mo
Today · 4.125%
HK$18,721
baseline
▲ 0.50% · 4.625%
HK$19,708
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,442/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,159
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,755
−HK$605/mo
Today · 4.125%
HK$20,360
baseline
▲ 0.50% · 4.625%
HK$21,599
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,720/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,314
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$580/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,650
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,352
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,047
−HK$706/mo
Today · 4.125%
HK$23,753
baseline
▲ 0.50% · 4.625%
HK$25,199
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,506/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,866
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,533
−HK$677/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,591
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,738
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,632
−HK$908/mo
Today · 4.125%
HK$30,540
baseline
▲ 0.50% · 4.625%
HK$32,398
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,080/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,971
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,828
−HK$870/mo
Today · 4.125%
HK$33,698
baseline
▲ 0.50% · 4.625%
HK$35,474
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,396/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,050 · Scale 2, in force from 26 Feb 2026)