LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,732
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,435
−HK$1,729/mo
Today · 4.125%
HK$58,164
baseline
▲ 0.50% · 4.625%
HK$61,703
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,328/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,889
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,522
−HK$1,657/mo
Today · 4.125%
HK$64,179
baseline
▲ 0.50% · 4.625%
HK$67,561
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,358/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,678
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,721
−HK$2,076/mo
Today · 4.125%
HK$69,797
baseline
▲ 0.50% · 4.625%
HK$74,044
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,594/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,067
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,026
−HK$1,988/mo
Today · 4.125%
HK$77,014
baseline
▲ 0.50% · 4.625%
HK$81,074
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,028/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,625
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,008
−HK$2,422/mo
Today · 4.125%
HK$81,430
baseline
▲ 0.50% · 4.625%
HK$86,385
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,860/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,244
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,531
−HK$2,319/mo
Today · 4.125%
HK$89,850
baseline
▲ 0.50% · 4.625%
HK$94,586
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,700/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,518
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,582
−HK$3,114/mo
Today · 4.125%
HK$104,696
baseline
▲ 0.50% · 4.625%
HK$111,066
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,392/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,600
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,539
−HK$2,982/mo
Today · 4.125%
HK$115,521
baseline
▲ 0.50% · 4.625%
HK$121,611
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,042/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,111 · Scale 2, in force from 26 Feb 2026)