LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,734
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,437
−HK$1,730/mo
Today · 4.125%
HK$58,167
baseline
▲ 0.50% · 4.625%
HK$61,706
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,334/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,891
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,524
−HK$1,657/mo
Today · 4.125%
HK$64,181
baseline
▲ 0.50% · 4.625%
HK$67,564
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,362/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,681
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,724
−HK$2,076/mo
Today · 4.125%
HK$69,800
baseline
▲ 0.50% · 4.625%
HK$74,047
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,600/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,070
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,029
−HK$1,988/mo
Today · 4.125%
HK$77,017
baseline
▲ 0.50% · 4.625%
HK$81,077
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,034/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,628
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,012
−HK$2,421/mo
Today · 4.125%
HK$81,433
baseline
▲ 0.50% · 4.625%
HK$86,388
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,866/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,248
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,534
−HK$2,320/mo
Today · 4.125%
HK$89,854
baseline
▲ 0.50% · 4.625%
HK$94,590
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,708/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,522
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,586
−HK$3,114/mo
Today · 4.125%
HK$104,700
baseline
▲ 0.50% · 4.625%
HK$111,071
+HK$6,371/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,400/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,605
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,544
−HK$2,982/mo
Today · 4.125%
HK$115,526
baseline
▲ 0.50% · 4.625%
HK$121,616
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,052/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,153 · Scale 2, in force from 26 Feb 2026)