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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$451.98M 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$1,442,885
−HK$90,481/mo
▼ 0.25% · 3.875%
HK$1,487,766
−HK$45,600/mo
Today · 4.125%
HK$1,533,366
baseline
▲ 0.50% · 4.625%
HK$1,626,668
+HK$93,302/mo

Deposit HK$135.59M · loan HK$316.39M · min. income ≈ HK$3,066,732/mo (50% DSR)

Upfront cash ≈ HK$164.97M (deposit + AVD stamp duty HK$29,378,744 · 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.