LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,716
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,418
−HK$1,729/mo
Today · 4.125%
HK$58,147
baseline
▲ 0.50% · 4.625%
HK$61,685
+HK$3,538/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,294/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,871
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,503
−HK$1,656/mo
Today · 4.125%
HK$64,159
baseline
▲ 0.50% · 4.625%
HK$67,541
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,318/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,659
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,701
−HK$2,075/mo
Today · 4.125%
HK$69,776
baseline
▲ 0.50% · 4.625%
HK$74,022
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,552/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,045
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,004
−HK$1,987/mo
Today · 4.125%
HK$76,991
baseline
▲ 0.50% · 4.625%
HK$81,050
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,982/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,602
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,985
−HK$2,421/mo
Today · 4.125%
HK$81,406
baseline
▲ 0.50% · 4.625%
HK$86,359
+HK$4,953/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,812/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,219
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,505
−HK$2,318/mo
Today · 4.125%
HK$89,823
baseline
▲ 0.50% · 4.625%
HK$94,558
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,646/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,488
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,552
−HK$3,112/mo
Today · 4.125%
HK$104,664
baseline
▲ 0.50% · 4.625%
HK$111,033
+HK$6,369/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,328/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,567
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,506
−HK$2,981/mo
Today · 4.125%
HK$115,487
baseline
▲ 0.50% · 4.625%
HK$121,574
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$230,974/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,806 · Scale 2, in force from 26 Feb 2026)