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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$64.34M 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$205,390
−HK$12,880/mo
▼ 0.25% · 3.875%
HK$211,779
−HK$6,491/mo
Today · 4.125%
HK$218,270
baseline
▲ 0.50% · 4.625%
HK$231,551
+HK$13,281/mo

Deposit HK$19.30M · loan HK$45.04M · min. income ≈ HK$436,540/mo (50% DSR)

Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$2,734,371 · 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.