LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,748
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,451
−HK$1,730/mo
Today · 4.125%
HK$58,181
baseline
▲ 0.50% · 4.625%
HK$61,721
+HK$3,540/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,362/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,906
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,540
−HK$1,657/mo
Today · 4.125%
HK$64,197
baseline
▲ 0.50% · 4.625%
HK$67,581
+HK$3,384/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,394/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,697
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,741
−HK$2,076/mo
Today · 4.125%
HK$69,817
baseline
▲ 0.50% · 4.625%
HK$74,065
+HK$4,248/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$139,634/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,087
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,048
−HK$1,988/mo
Today · 4.125%
HK$77,036
baseline
▲ 0.50% · 4.625%
HK$81,097
+HK$4,061/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$154,072/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,647
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,031
−HK$2,422/mo
Today · 4.125%
HK$81,453
baseline
▲ 0.50% · 4.625%
HK$86,409
+HK$4,956/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,906/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,269
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,556
−HK$2,319/mo
Today · 4.125%
HK$89,875
baseline
▲ 0.50% · 4.625%
HK$94,613
+HK$4,738/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,750/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,546
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,611
−HK$3,114/mo
Today · 4.125%
HK$104,725
baseline
▲ 0.50% · 4.625%
HK$111,098
+HK$6,373/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,450/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,631
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,571
−HK$2,983/mo
Today · 4.125%
HK$115,554
baseline
▲ 0.50% · 4.625%
HK$121,645
+HK$6,091/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,108/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,401 · Scale 2, in force from 26 Feb 2026)