LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,705
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,406
−HK$1,729/mo
Today · 4.125%
HK$58,135
baseline
▲ 0.50% · 4.625%
HK$61,673
+HK$3,538/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$1,019,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,859
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,491
−HK$1,656/mo
Today · 4.125%
HK$64,147
baseline
▲ 0.50% · 4.625%
HK$67,528
+HK$3,381/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,294/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,646
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,688
−HK$2,074/mo
Today · 4.125%
HK$69,762
baseline
▲ 0.50% · 4.625%
HK$74,007
+HK$4,245/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$1,019,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,030
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,989
−HK$1,987/mo
Today · 4.125%
HK$76,976
baseline
▲ 0.50% · 4.625%
HK$81,033
+HK$4,057/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$153,952/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,587
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,969
−HK$2,420/mo
Today · 4.125%
HK$81,389
baseline
▲ 0.50% · 4.625%
HK$86,342
+HK$4,953/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$1,019,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,202
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,487
−HK$2,318/mo
Today · 4.125%
HK$89,805
baseline
▲ 0.50% · 4.625%
HK$94,539
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,610/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,469
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,532
−HK$3,111/mo
Today · 4.125%
HK$104,643
baseline
▲ 0.50% · 4.625%
HK$111,011
+HK$6,368/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,286/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,545
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,483
−HK$2,981/mo
Today · 4.125%
HK$115,464
baseline
▲ 0.50% · 4.625%
HK$121,550
+HK$6,086/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,928/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,602 · Scale 2, in force from 26 Feb 2026)