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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$109.47M 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$349,462
−HK$21,915/mo
▼ 0.25% · 3.875%
HK$360,333
−HK$11,044/mo
Today · 4.125%
HK$371,377
baseline
▲ 0.50% · 4.625%
HK$393,974
+HK$22,597/mo

Deposit HK$32.84M · loan HK$76.63M · min. income ≈ HK$742,754/mo (50% DSR)

Upfront cash ≈ HK$39.93M (deposit + AVD stamp duty HK$7,090,517 · 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.