LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,973
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$504/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$210,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,770
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,246
−HK$484/mo
Today · 4.125%
HK$18,730
baseline
▲ 0.50% · 4.625%
HK$19,717
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,460/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,167
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,764
−HK$605/mo
Today · 4.125%
HK$20,369
baseline
▲ 0.50% · 4.625%
HK$21,609
+HK$1,240/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$210,145 · 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$23,660
+HK$1,185/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$210,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,362
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,057
−HK$707/mo
Today · 4.125%
HK$23,764
baseline
▲ 0.50% · 4.625%
HK$25,210
+HK$1,446/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,528/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,877
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,545
−HK$676/mo
Today · 4.125%
HK$26,221
baseline
▲ 0.50% · 4.625%
HK$27,604
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,442/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,751
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,645
−HK$909/mo
Today · 4.125%
HK$30,554
baseline
▲ 0.50% · 4.625%
HK$32,413
+HK$1,859/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,108/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,985
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,843
−HK$870/mo
Today · 4.125%
HK$33,713
baseline
▲ 0.50% · 4.625%
HK$35,490
+HK$1,777/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,426/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,145 · Scale 2, in force from 26 Feb 2026)