LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,719
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,422
−HK$1,729/mo
Today · 4.125%
HK$58,151
baseline
▲ 0.50% · 4.625%
HK$61,689
+HK$3,538/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,302/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,875
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,507
−HK$1,657/mo
Today · 4.125%
HK$64,164
baseline
▲ 0.50% · 4.625%
HK$67,546
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,328/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,663
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,706
−HK$2,075/mo
Today · 4.125%
HK$69,781
baseline
▲ 0.50% · 4.625%
HK$74,027
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,562/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,050
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,009
−HK$1,987/mo
Today · 4.125%
HK$76,996
baseline
▲ 0.50% · 4.625%
HK$81,055
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,992/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,607
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,990
−HK$2,421/mo
Today · 4.125%
HK$81,411
baseline
▲ 0.50% · 4.625%
HK$86,365
+HK$4,954/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,822/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,225
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,510
−HK$2,319/mo
Today · 4.125%
HK$89,829
baseline
▲ 0.50% · 4.625%
HK$94,564
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,658/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,495
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,559
−HK$3,112/mo
Today · 4.125%
HK$104,671
baseline
▲ 0.50% · 4.625%
HK$111,041
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,342/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,575
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,513
−HK$2,982/mo
Today · 4.125%
HK$115,495
baseline
▲ 0.50% · 4.625%
HK$121,583
+HK$6,088/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$230,990/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,875 · Scale 2, in force from 26 Feb 2026)