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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$194.32M 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$620,333
−HK$38,900/mo
▼ 0.25% · 3.875%
HK$639,629
−HK$19,604/mo
Today · 4.125%
HK$659,233
baseline
▲ 0.50% · 4.625%
HK$699,346
+HK$40,113/mo

Deposit HK$58.30M · loan HK$136.02M · min. income ≈ HK$1,318,466/mo (50% DSR)

Upfront cash ≈ HK$70.93M (deposit + AVD stamp duty HK$12,630,668 · 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.