LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,708
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,410
−HK$1,729/mo
Today · 4.125%
HK$58,139
baseline
▲ 0.50% · 4.625%
HK$61,677
+HK$3,538/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,278/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,863
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,495
−HK$1,656/mo
Today · 4.125%
HK$64,151
baseline
▲ 0.50% · 4.625%
HK$67,532
+HK$3,381/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,302/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,650
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,692
−HK$2,075/mo
Today · 4.125%
HK$69,767
baseline
▲ 0.50% · 4.625%
HK$74,012
+HK$4,245/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,534/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,035
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,994
−HK$1,987/mo
Today · 4.125%
HK$76,981
baseline
▲ 0.50% · 4.625%
HK$81,039
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,962/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,592
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,974
−HK$2,421/mo
Today · 4.125%
HK$81,395
baseline
▲ 0.50% · 4.625%
HK$86,347
+HK$4,952/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,790/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,208
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,493
−HK$2,318/mo
Today · 4.125%
HK$89,811
baseline
▲ 0.50% · 4.625%
HK$94,545
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,622/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,475
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,538
−HK$3,112/mo
Today · 4.125%
HK$104,650
baseline
▲ 0.50% · 4.625%
HK$111,018
+HK$6,368/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,300/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,553
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,491
−HK$2,980/mo
Today · 4.125%
HK$115,471
baseline
▲ 0.50% · 4.625%
HK$121,558
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,942/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,669 · Scale 2, in force from 26 Feb 2026)