LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,735
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,438
−HK$1,729/mo
Today · 4.125%
HK$58,167
baseline
▲ 0.50% · 4.625%
HK$61,707
+HK$3,540/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$1,020,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,892
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,525
−HK$1,657/mo
Today · 4.125%
HK$64,182
baseline
▲ 0.50% · 4.625%
HK$67,565
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,364/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,682
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,725
−HK$2,076/mo
Today · 4.125%
HK$69,801
baseline
▲ 0.50% · 4.625%
HK$74,048
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,602/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,071
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,030
−HK$1,988/mo
Today · 4.125%
HK$77,018
baseline
▲ 0.50% · 4.625%
HK$81,078
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,036/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,629
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,013
−HK$2,421/mo
Today · 4.125%
HK$81,434
baseline
▲ 0.50% · 4.625%
HK$86,389
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,868/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,249
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,535
−HK$2,320/mo
Today · 4.125%
HK$89,855
baseline
▲ 0.50% · 4.625%
HK$94,591
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,710/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,523
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,588
−HK$3,113/mo
Today · 4.125%
HK$104,701
baseline
▲ 0.50% · 4.625%
HK$111,072
+HK$6,371/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,402/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,606
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,545
−HK$2,982/mo
Today · 4.125%
HK$115,527
baseline
▲ 0.50% · 4.625%
HK$121,617
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,054/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,165 · Scale 2, in force from 26 Feb 2026)