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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$61.02M 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$194,812
−HK$12,217/mo
▼ 0.25% · 3.875%
HK$200,872
−HK$6,157/mo
Today · 4.125%
HK$207,029
baseline
▲ 0.50% · 4.625%
HK$219,626
+HK$12,597/mo

Deposit HK$18.31M · loan HK$42.72M · min. income ≈ HK$414,058/mo (50% DSR)

Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$2,593,541 · 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.