LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,704
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,406
−HK$1,729/mo
Today · 4.125%
HK$58,135
baseline
▲ 0.50% · 4.625%
HK$61,672
+HK$3,537/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,270/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,858
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,490
−HK$1,656/mo
Today · 4.125%
HK$64,146
baseline
▲ 0.50% · 4.625%
HK$67,527
+HK$3,381/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,292/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,645
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,687
−HK$2,075/mo
Today · 4.125%
HK$69,762
baseline
▲ 0.50% · 4.625%
HK$74,006
+HK$4,244/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$139,524/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,030
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,988
−HK$1,987/mo
Today · 4.125%
HK$76,975
baseline
▲ 0.50% · 4.625%
HK$81,033
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$153,950/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,586
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,968
−HK$2,421/mo
Today · 4.125%
HK$81,389
baseline
▲ 0.50% · 4.625%
HK$86,341
+HK$4,952/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,778/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,201
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,486
−HK$2,318/mo
Today · 4.125%
HK$89,804
baseline
▲ 0.50% · 4.625%
HK$94,538
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,608/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,468
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,531
−HK$3,111/mo
Today · 4.125%
HK$104,642
baseline
▲ 0.50% · 4.625%
HK$111,010
+HK$6,368/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,284/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,544
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,482
−HK$2,981/mo
Today · 4.125%
HK$115,463
baseline
▲ 0.50% · 4.625%
HK$121,549
+HK$6,086/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,926/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,592 · Scale 2, in force from 26 Feb 2026)