LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,966
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$505/mo
Today · 4.125%
HK$16,968
baseline
▲ 0.50% · 4.625%
HK$18,000
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,936/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,762
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,239
−HK$483/mo
Today · 4.125%
HK$18,722
baseline
▲ 0.50% · 4.625%
HK$19,709
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,444/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,160
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$605/mo
Today · 4.125%
HK$20,361
baseline
▲ 0.50% · 4.625%
HK$21,600
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,722/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,315
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,887
−HK$579/mo
Today · 4.125%
HK$22,466
baseline
▲ 0.50% · 4.625%
HK$23,651
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,932/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,353
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,048
−HK$707/mo
Today · 4.125%
HK$23,755
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,510/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,867
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$677/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,592
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,739
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$909/mo
Today · 4.125%
HK$30,542
baseline
▲ 0.50% · 4.625%
HK$32,400
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,084/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,972
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,830
−HK$870/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,476
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,060 · Scale 2, in force from 26 Feb 2026)