LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,742
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,445
−HK$1,730/mo
Today · 4.125%
HK$58,175
baseline
▲ 0.50% · 4.625%
HK$61,714
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,350/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,900
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,533
−HK$1,657/mo
Today · 4.125%
HK$64,190
baseline
▲ 0.50% · 4.625%
HK$67,574
+HK$3,384/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,380/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,690
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,734
−HK$2,076/mo
Today · 4.125%
HK$69,810
baseline
▲ 0.50% · 4.625%
HK$74,057
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,620/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,080
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,040
−HK$1,988/mo
Today · 4.125%
HK$77,028
baseline
▲ 0.50% · 4.625%
HK$81,088
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,056/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,639
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,022
−HK$2,422/mo
Today · 4.125%
HK$81,444
baseline
▲ 0.50% · 4.625%
HK$86,400
+HK$4,956/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,888/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,260
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,546
−HK$2,320/mo
Today · 4.125%
HK$89,866
baseline
▲ 0.50% · 4.625%
HK$94,603
+HK$4,737/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,732/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,535
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,600
−HK$3,114/mo
Today · 4.125%
HK$104,714
baseline
▲ 0.50% · 4.625%
HK$111,086
+HK$6,372/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,428/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,620
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,559
−HK$2,983/mo
Today · 4.125%
HK$115,542
baseline
▲ 0.50% · 4.625%
HK$121,632
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,084/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,293 · Scale 2, in force from 26 Feb 2026)