LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,740
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,443
−HK$1,730/mo
Today · 4.125%
HK$58,173
baseline
▲ 0.50% · 4.625%
HK$61,712
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,346/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,898
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,531
−HK$1,657/mo
Today · 4.125%
HK$64,188
baseline
▲ 0.50% · 4.625%
HK$67,571
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,376/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,688
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,731
−HK$2,076/mo
Today · 4.125%
HK$69,807
baseline
▲ 0.50% · 4.625%
HK$74,055
+HK$4,248/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,614/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,077
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,037
−HK$1,988/mo
Today · 4.125%
HK$77,025
baseline
▲ 0.50% · 4.625%
HK$81,086
+HK$4,061/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,050/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,636
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,020
−HK$2,422/mo
Today · 4.125%
HK$81,442
baseline
▲ 0.50% · 4.625%
HK$86,397
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,884/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,257
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,543
−HK$2,320/mo
Today · 4.125%
HK$89,863
baseline
▲ 0.50% · 4.625%
HK$94,600
+HK$4,737/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,726/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,532
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,597
−HK$3,114/mo
Today · 4.125%
HK$104,711
baseline
▲ 0.50% · 4.625%
HK$111,082
+HK$6,371/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,422/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,616
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,556
−HK$2,982/mo
Today · 4.125%
HK$115,538
baseline
▲ 0.50% · 4.625%
HK$121,628
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,076/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,259 · Scale 2, in force from 26 Feb 2026)