LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,736
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,438
−HK$1,730/mo
Today · 4.125%
HK$58,168
baseline
▲ 0.50% · 4.625%
HK$61,707
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,336/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,893
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,526
−HK$1,657/mo
Today · 4.125%
HK$64,183
baseline
▲ 0.50% · 4.625%
HK$67,566
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,366/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,683
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,726
−HK$2,076/mo
Today · 4.125%
HK$69,802
baseline
▲ 0.50% · 4.625%
HK$74,049
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,604/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,071
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,031
−HK$1,988/mo
Today · 4.125%
HK$77,019
baseline
▲ 0.50% · 4.625%
HK$81,079
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,038/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,630
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,013
−HK$2,422/mo
Today · 4.125%
HK$81,435
baseline
▲ 0.50% · 4.625%
HK$86,390
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,870/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,250
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,536
−HK$2,320/mo
Today · 4.125%
HK$89,856
baseline
▲ 0.50% · 4.625%
HK$94,592
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,712/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,524
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,589
−HK$3,113/mo
Today · 4.125%
HK$104,702
baseline
▲ 0.50% · 4.625%
HK$111,073
+HK$6,371/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,404/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,607
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,546
−HK$2,983/mo
Today · 4.125%
HK$115,529
baseline
▲ 0.50% · 4.625%
HK$121,618
+HK$6,089/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,058/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,175 · Scale 2, in force from 26 Feb 2026)