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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$55.16M 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$176,093
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$181,571
−HK$5,565/mo
Today · 4.125%
HK$187,136
baseline
▲ 0.50% · 4.625%
HK$198,522
+HK$11,386/mo

Deposit HK$16.55M · loan HK$38.61M · min. income ≈ HK$374,272/mo (50% DSR)

Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$2,344,335 · 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.