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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$80.18M 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$255,959
−HK$16,051/mo
▼ 0.25% · 3.875%
HK$263,921
−HK$8,089/mo
Today · 4.125%
HK$272,010
baseline
▲ 0.50% · 4.625%
HK$288,561
+HK$16,551/mo

Deposit HK$24.05M · loan HK$56.13M · min. income ≈ HK$544,020/mo (50% DSR)

Upfront cash ≈ HK$27.46M (deposit + AVD stamp duty HK$3,407,592 · 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.