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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$74.10M 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$236,539
−HK$14,833/mo
▼ 0.25% · 3.875%
HK$243,896
−HK$7,476/mo
Today · 4.125%
HK$251,372
baseline
▲ 0.50% · 4.625%
HK$266,667
+HK$15,295/mo

Deposit HK$22.23M · loan HK$51.87M · min. income ≈ HK$502,744/mo (50% DSR)

Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$3,149,049 · 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.