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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$145.23M 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$463,631
−HK$29,073/mo
▼ 0.25% · 3.875%
HK$478,052
−HK$14,652/mo
Today · 4.125%
HK$492,704
baseline
▲ 0.50% · 4.625%
HK$522,684
+HK$29,980/mo

Deposit HK$43.57M · loan HK$101.66M · min. income ≈ HK$985,408/mo (50% DSR)

Upfront cash ≈ HK$53.01M (deposit + AVD stamp duty HK$9,440,037 · 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.