LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,720
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,422
−HK$1,729/mo
Today · 4.125%
HK$58,151
baseline
▲ 0.50% · 4.625%
HK$61,690
+HK$3,539/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$1,019,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,875
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,508
−HK$1,656/mo
Today · 4.125%
HK$64,164
baseline
▲ 0.50% · 4.625%
HK$67,547
+HK$3,383/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$1,019,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,664
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,707
−HK$2,075/mo
Today · 4.125%
HK$69,782
baseline
▲ 0.50% · 4.625%
HK$74,028
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,564/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,051
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,010
−HK$1,987/mo
Today · 4.125%
HK$76,997
baseline
▲ 0.50% · 4.625%
HK$81,056
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,994/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,608
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,991
−HK$2,421/mo
Today · 4.125%
HK$81,412
baseline
▲ 0.50% · 4.625%
HK$86,366
+HK$4,954/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,824/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,226
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,511
−HK$2,319/mo
Today · 4.125%
HK$89,830
baseline
▲ 0.50% · 4.625%
HK$94,565
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,660/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,496
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,560
−HK$3,113/mo
Today · 4.125%
HK$104,673
baseline
▲ 0.50% · 4.625%
HK$111,042
+HK$6,369/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,346/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,576
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,515
−HK$2,981/mo
Today · 4.125%
HK$115,496
baseline
▲ 0.50% · 4.625%
HK$121,584
+HK$6,088/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$230,992/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,886 · Scale 2, in force from 26 Feb 2026)