LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,974
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$504/mo
Today · 4.125%
HK$16,975
baseline
▲ 0.50% · 4.625%
HK$18,008
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,950/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,771
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,247
−HK$484/mo
Today · 4.125%
HK$18,731
baseline
▲ 0.50% · 4.625%
HK$19,718
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,462/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,168
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,765
−HK$605/mo
Today · 4.125%
HK$20,370
baseline
▲ 0.50% · 4.625%
HK$21,610
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,740/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,325
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,897
−HK$580/mo
Today · 4.125%
HK$22,477
baseline
▲ 0.50% · 4.625%
HK$23,662
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,954/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,363
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,059
−HK$706/mo
Today · 4.125%
HK$23,765
baseline
▲ 0.50% · 4.625%
HK$25,212
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,530/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,879
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$677/mo
Today · 4.125%
HK$26,223
baseline
▲ 0.50% · 4.625%
HK$27,605
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,446/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,753
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,647
−HK$909/mo
Today · 4.125%
HK$30,556
baseline
▲ 0.50% · 4.625%
HK$32,415
+HK$1,859/mo
Deposit HK$701K · loan HK$6.30M · min. income ≈ HK$61,112/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,987
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,845
−HK$870/mo
Today · 4.125%
HK$33,715
baseline
▲ 0.50% · 4.625%
HK$35,492
+HK$1,777/mo
Deposit HK$701K · loan HK$6.30M · min. income ≈ HK$67,430/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,156 · Scale 2, in force from 26 Feb 2026)