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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$402.62M 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$1,285,314
−HK$80,600/mo
▼ 0.25% · 3.875%
HK$1,325,294
−HK$40,620/mo
Today · 4.125%
HK$1,365,914
baseline
▲ 0.50% · 4.625%
HK$1,449,027
+HK$83,113/mo

Deposit HK$120.79M · loan HK$281.84M · min. income ≈ HK$2,731,828/mo (50% DSR)

Upfront cash ≈ HK$146.96M (deposit + AVD stamp duty HK$26,170,428 · 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.