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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$63.39M 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$202,354
−HK$12,689/mo
▼ 0.25% · 3.875%
HK$208,648
−HK$6,395/mo
Today · 4.125%
HK$215,043
baseline
▲ 0.50% · 4.625%
HK$228,128
+HK$13,085/mo

Deposit HK$19.02M · loan HK$44.37M · min. income ≈ HK$430,086/mo (50% DSR)

Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$2,693,945 · 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.