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Home Mortgage Planner

Mortgage Planner

Model your monthly payment, deposit, and stamp duty at any property value — reusing the same rate maths as our unit pages.

HK$102.82M HIBOR 1M · 3.9% Prime · 6.125%

Typical HK bank rates as of July 2026 — this site has no live rate feed; check current HIBOR and Prime with your bank.

LTV · monthly repayment
Loan term
▼ 0.50% · 3.625%
HK$328,250
−HK$20,585/mo
▼ 0.25% · 3.875%
HK$338,461
−HK$10,374/mo
Today · 4.125%
HK$348,835
baseline
▲ 0.50% · 4.625%
HK$370,060
+HK$21,225/mo

Deposit HK$30.85M · loan HK$71.98M · min. income ≈ HK$697,670/mo (50% DSR)

Upfront cash ≈ HK$35.94M (deposit + AVD stamp duty HK$5,097,132 · Scale 2, in force from 26 Feb 2026)

For planning purposes only — not an offer, pre-approval, or formal valuation. Actual bank rates and terms vary.