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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$87.20M 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$278,387
−HK$17,457/mo
▼ 0.25% · 3.875%
HK$287,046
−HK$8,798/mo
Today · 4.125%
HK$295,844
baseline
▲ 0.50% · 4.625%
HK$313,846
+HK$18,002/mo

Deposit HK$26.16M · loan HK$61.04M · min. income ≈ HK$591,688/mo (50% DSR)

Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$3,706,178 · 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.