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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$180.46M 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$576,087
−HK$36,126/mo
▼ 0.25% · 3.875%
HK$594,007
−HK$18,206/mo
Today · 4.125%
HK$612,213
baseline
▲ 0.50% · 4.625%
HK$649,464
+HK$37,251/mo

Deposit HK$54.14M · loan HK$126.32M · min. income ≈ HK$1,224,426/mo (50% DSR)

Upfront cash ≈ HK$65.87M (deposit + AVD stamp duty HK$11,729,777 · 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.