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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$45.92M 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$146,579
−HK$9,191/mo
▼ 0.25% · 3.875%
HK$151,138
−HK$4,632/mo
Today · 4.125%
HK$155,770
baseline
▲ 0.50% · 4.625%
HK$165,249
+HK$9,479/mo

Deposit HK$13.77M · loan HK$32.14M · min. income ≈ HK$311,540/mo (50% DSR)

Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,408 · 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.