LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,743
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,445
−HK$1,730/mo
Today · 4.125%
HK$58,175
baseline
▲ 0.50% · 4.625%
HK$61,715
+HK$3,540/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$1,020,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,901
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,534
−HK$1,657/mo
Today · 4.125%
HK$64,191
baseline
▲ 0.50% · 4.625%
HK$67,574
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,382/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,691
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,735
−HK$2,076/mo
Today · 4.125%
HK$69,811
baseline
▲ 0.50% · 4.625%
HK$74,058
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,622/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,081
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,041
−HK$1,988/mo
Today · 4.125%
HK$77,029
baseline
▲ 0.50% · 4.625%
HK$81,089
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,058/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,640
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,024
−HK$2,422/mo
Today · 4.125%
HK$81,446
baseline
▲ 0.50% · 4.625%
HK$86,401
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,892/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,261
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,548
−HK$2,319/mo
Today · 4.125%
HK$89,867
baseline
▲ 0.50% · 4.625%
HK$94,604
+HK$4,737/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,734/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,537
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,602
−HK$3,114/mo
Today · 4.125%
HK$104,716
baseline
▲ 0.50% · 4.625%
HK$111,088
+HK$6,372/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,432/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,621
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,561
−HK$2,983/mo
Today · 4.125%
HK$115,544
baseline
▲ 0.50% · 4.625%
HK$121,634
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,088/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,307 · Scale 2, in force from 26 Feb 2026)