LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,726
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,428
−HK$1,729/mo
Today · 4.125%
HK$58,157
baseline
▲ 0.50% · 4.625%
HK$61,696
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,314/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,882
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,515
−HK$1,656/mo
Today · 4.125%
HK$64,171
baseline
▲ 0.50% · 4.625%
HK$67,554
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,342/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,671
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,714
−HK$2,075/mo
Today · 4.125%
HK$69,789
baseline
▲ 0.50% · 4.625%
HK$74,035
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,578/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,058
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,018
−HK$1,987/mo
Today · 4.125%
HK$77,005
baseline
▲ 0.50% · 4.625%
HK$81,064
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,010/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,616
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,999
−HK$2,421/mo
Today · 4.125%
HK$81,420
baseline
▲ 0.50% · 4.625%
HK$86,375
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,840/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,234
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,520
−HK$2,319/mo
Today · 4.125%
HK$89,839
baseline
▲ 0.50% · 4.625%
HK$94,575
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,678/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,506
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,570
−HK$3,113/mo
Today · 4.125%
HK$104,683
baseline
▲ 0.50% · 4.625%
HK$111,053
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,366/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,587
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,526
−HK$2,982/mo
Today · 4.125%
HK$115,508
baseline
▲ 0.50% · 4.625%
HK$121,596
+HK$6,088/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,016/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,992 · Scale 2, in force from 26 Feb 2026)