LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,727
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,429
−HK$1,730/mo
Today · 4.125%
HK$58,159
baseline
▲ 0.50% · 4.625%
HK$61,698
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,318/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,883
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,516
−HK$1,657/mo
Today · 4.125%
HK$64,173
baseline
▲ 0.50% · 4.625%
HK$67,555
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,346/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,672
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,715
−HK$2,076/mo
Today · 4.125%
HK$69,791
baseline
▲ 0.50% · 4.625%
HK$74,037
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,582/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,060
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,019
−HK$1,988/mo
Today · 4.125%
HK$77,007
baseline
▲ 0.50% · 4.625%
HK$81,066
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,014/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,618
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$79,001
−HK$2,421/mo
Today · 4.125%
HK$81,422
baseline
▲ 0.50% · 4.625%
HK$86,377
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,844/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,236
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,522
−HK$2,320/mo
Today · 4.125%
HK$89,842
baseline
▲ 0.50% · 4.625%
HK$94,577
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,684/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,509
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,573
−HK$3,113/mo
Today · 4.125%
HK$104,686
baseline
▲ 0.50% · 4.625%
HK$111,056
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,372/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,590
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,529
−HK$2,982/mo
Today · 4.125%
HK$115,511
baseline
▲ 0.50% · 4.625%
HK$121,599
+HK$6,088/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,022/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,016 · Scale 2, in force from 26 Feb 2026)