LTV cap: Owner-occupied residential ≤ HK$30M can borrow up to 70% LTV (HKMA, Oct 2024). All your scenarios (40–60%) sit below the cap and do not require Mortgage Insurance Programme (MIP).
Stress test: Suspended since 28 Feb 2024. Only the DSR ≤ 50% rule applies (60% if no other debt and applicant is ineligible borrower category — we assume the standard 50%).
Stamp Duty (AVD Scale 2): First-time HK permanent resident rates. Post-Feb 2025 budget, ≤$4M = HK$100. For your range ($9M–$12M):
• $9M: flat 3% = $270,000
• $9M–$10.08M: $270,000 + 10% on excess over $9M (marginal band)
• $10.08M–$20M: flat 3.75%
Other upfront costs: Legal fees ~0.1–0.15% + agent commission ~1% = roughly 1–2% of price. Default 2%.
Income requirement: Monthly mortgage instalment ÷ DSR limit = required total household income. Your husband's submission = required total − your income.
Mortgage rate: P-plan effective rate ~3.375–3.5% (Mar 2026, Prime ~5.875%, P-2.5%). Adjust above as needed.
This tool ignores existing debts. If either of you has other monthly obligations (car loan, personal loan, credit card minimums), add them to the calculation manually — they reduce DSR headroom directly.