LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,704
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,405
−HK$1,729/mo
Today · 4.125%
HK$58,134
baseline
▲ 0.50% · 4.625%
HK$61,671
+HK$3,537/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,268/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,857
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,489
−HK$1,656/mo
Today · 4.125%
HK$64,145
baseline
▲ 0.50% · 4.625%
HK$67,526
+HK$3,381/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,290/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,644
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,686
−HK$2,075/mo
Today · 4.125%
HK$69,761
baseline
▲ 0.50% · 4.625%
HK$74,006
+HK$4,245/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$139,522/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,029
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,987
−HK$1,987/mo
Today · 4.125%
HK$76,974
baseline
▲ 0.50% · 4.625%
HK$81,032
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$153,948/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,585
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,967
−HK$2,421/mo
Today · 4.125%
HK$81,388
baseline
▲ 0.50% · 4.625%
HK$86,340
+HK$4,952/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,776/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,200
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,485
−HK$2,318/mo
Today · 4.125%
HK$89,803
baseline
▲ 0.50% · 4.625%
HK$94,537
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,606/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,467
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,529
−HK$3,112/mo
Today · 4.125%
HK$104,641
baseline
▲ 0.50% · 4.625%
HK$111,008
+HK$6,367/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,282/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,543
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,481
−HK$2,980/mo
Today · 4.125%
HK$115,461
baseline
▲ 0.50% · 4.625%
HK$121,547
+HK$6,086/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,922/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,581 · Scale 2, in force from 26 Feb 2026)