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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$64.41M 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$205,609
−HK$12,893/mo
▼ 0.25% · 3.875%
HK$212,004
−HK$6,498/mo
Today · 4.125%
HK$218,502
baseline
▲ 0.50% · 4.625%
HK$231,798
+HK$13,296/mo

Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$437,004/mo (50% DSR)

Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,280 · 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.