LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,745
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,448
−HK$1,730/mo
Today · 4.125%
HK$58,178
baseline
▲ 0.50% · 4.625%
HK$61,718
+HK$3,540/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,356/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,903
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,536
−HK$1,657/mo
Today · 4.125%
HK$64,193
baseline
▲ 0.50% · 4.625%
HK$67,577
+HK$3,384/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,386/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,694
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,737
−HK$2,076/mo
Today · 4.125%
HK$69,813
baseline
▲ 0.50% · 4.625%
HK$74,061
+HK$4,248/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,626/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,084
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,044
−HK$1,988/mo
Today · 4.125%
HK$77,032
baseline
▲ 0.50% · 4.625%
HK$81,092
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,064/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,643
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,027
−HK$2,422/mo
Today · 4.125%
HK$81,449
baseline
▲ 0.50% · 4.625%
HK$86,405
+HK$4,956/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,898/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,264
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,551
−HK$2,320/mo
Today · 4.125%
HK$89,871
baseline
▲ 0.50% · 4.625%
HK$94,608
+HK$4,737/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,742/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,540
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,606
−HK$3,114/mo
Today · 4.125%
HK$104,720
baseline
▲ 0.50% · 4.625%
HK$111,092
+HK$6,372/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,440/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,625
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,565
−HK$2,983/mo
Today · 4.125%
HK$115,548
baseline
▲ 0.50% · 4.625%
HK$121,639
+HK$6,091/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,096/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,347 · Scale 2, in force from 26 Feb 2026)