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$1,020,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,904
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,537
−HK$1,657/mo
Today · 4.125%
HK$64,194
baseline
▲ 0.50% · 4.625%
HK$67,578
+HK$3,384/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,388/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,694
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,738
−HK$2,076/mo
Today · 4.125%
HK$69,814
baseline
▲ 0.50% · 4.625%
HK$74,062
+HK$4,248/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$139,628/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,084
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,044
−HK$1,989/mo
Today · 4.125%
HK$77,033
baseline
▲ 0.50% · 4.625%
HK$81,093
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$154,066/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,643
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,027
−HK$2,423/mo
Today · 4.125%
HK$81,450
baseline
▲ 0.50% · 4.625%
HK$86,406
+HK$4,956/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,900/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,265
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,552
−HK$2,320/mo
Today · 4.125%
HK$89,872
baseline
▲ 0.50% · 4.625%
HK$94,609
+HK$4,737/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,744/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,541
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,607
−HK$3,114/mo
Today · 4.125%
HK$104,721
baseline
▲ 0.50% · 4.625%
HK$111,093
+HK$6,372/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,442/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,626
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,567
−HK$2,982/mo
Today · 4.125%
HK$115,549
baseline
▲ 0.50% · 4.625%
HK$121,640
+HK$6,091/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,098/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,357 · Scale 2, in force from 26 Feb 2026)