LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,972
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,469
−HK$505/mo
Today · 4.125%
HK$16,974
baseline
▲ 0.50% · 4.625%
HK$18,007
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,948/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,769
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,245
−HK$484/mo
Today · 4.125%
HK$18,729
baseline
▲ 0.50% · 4.625%
HK$19,716
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,458/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,167
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,763
−HK$606/mo
Today · 4.125%
HK$20,369
baseline
▲ 0.50% · 4.625%
HK$21,608
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,738/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,323
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,895
−HK$580/mo
Today · 4.125%
HK$22,475
baseline
▲ 0.50% · 4.625%
HK$23,659
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,950/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,361
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,057
−HK$706/mo
Today · 4.125%
HK$23,763
baseline
▲ 0.50% · 4.625%
HK$25,209
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,526/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,876
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,544
−HK$676/mo
Today · 4.125%
HK$26,220
baseline
▲ 0.50% · 4.625%
HK$27,603
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,440/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,750
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,644
−HK$909/mo
Today · 4.125%
HK$30,553
baseline
▲ 0.50% · 4.625%
HK$32,412
+HK$1,859/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,106/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,984
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,842
−HK$870/mo
Today · 4.125%
HK$33,712
baseline
▲ 0.50% · 4.625%
HK$35,489
+HK$1,777/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,424/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,137 · Scale 2, in force from 26 Feb 2026)