LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,713
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,415
−HK$1,729/mo
Today · 4.125%
HK$58,144
baseline
▲ 0.50% · 4.625%
HK$61,682
+HK$3,538/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,288/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,868
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,501
−HK$1,656/mo
Today · 4.125%
HK$64,157
baseline
▲ 0.50% · 4.625%
HK$67,539
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,314/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,656
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,698
−HK$2,075/mo
Today · 4.125%
HK$69,773
baseline
▲ 0.50% · 4.625%
HK$74,019
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,546/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,042
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,001
−HK$1,987/mo
Today · 4.125%
HK$76,988
baseline
▲ 0.50% · 4.625%
HK$81,046
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,976/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,599
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,982
−HK$2,420/mo
Today · 4.125%
HK$81,402
baseline
▲ 0.50% · 4.625%
HK$86,355
+HK$4,953/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,804/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,215
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,501
−HK$2,318/mo
Today · 4.125%
HK$89,819
baseline
▲ 0.50% · 4.625%
HK$94,554
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,638/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,484
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,548
−HK$3,112/mo
Today · 4.125%
HK$104,660
baseline
▲ 0.50% · 4.625%
HK$111,028
+HK$6,368/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,320/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,563
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,501
−HK$2,981/mo
Today · 4.125%
HK$115,482
baseline
▲ 0.50% · 4.625%
HK$121,569
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,964/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,764 · Scale 2, in force from 26 Feb 2026)