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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$116.05M 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$370,473
−HK$23,232/mo
▼ 0.25% · 3.875%
HK$381,997
−HK$11,708/mo
Today · 4.125%
HK$393,705
baseline
▲ 0.50% · 4.625%
HK$417,661
+HK$23,956/mo

Deposit HK$34.81M · loan HK$81.23M · min. income ≈ HK$787,410/mo (50% DSR)

Upfront cash ≈ HK$42.36M (deposit + AVD stamp duty HK$7,543,242 · 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.