LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,984
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,481
−HK$505/mo
Today · 4.125%
HK$16,986
baseline
▲ 0.50% · 4.625%
HK$18,020
+HK$1,034/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,972/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,782
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$483/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,484/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,180
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,777
−HK$606/mo
Today · 4.125%
HK$20,383
baseline
▲ 0.50% · 4.625%
HK$21,623
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,766/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,338
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,910
−HK$581/mo
Today · 4.125%
HK$22,491
baseline
▲ 0.50% · 4.625%
HK$23,676
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,982/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,377
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,073
−HK$707/mo
Today · 4.125%
HK$23,780
baseline
▲ 0.50% · 4.625%
HK$25,227
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,560/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,894
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,562
−HK$677/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,622
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,478/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$909/mo
Today · 4.125%
HK$30,575
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,150/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,007
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,865
−HK$871/mo
Today · 4.125%
HK$33,736
baseline
▲ 0.50% · 4.625%
HK$35,515
+HK$1,779/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,472/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,288 · Scale 2, in force from 26 Feb 2026)