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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$69.28M 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$221,170
−HK$13,869/mo
▼ 0.25% · 3.875%
HK$228,049
−HK$6,990/mo
Today · 4.125%
HK$235,039
baseline
▲ 0.50% · 4.625%
HK$249,341
+HK$14,302/mo

Deposit HK$20.78M · loan HK$48.50M · min. income ≈ HK$470,078/mo (50% DSR)

Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,944,443 · 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.