Skip to content
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$92.60M 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$295,600
−HK$18,536/mo
▼ 0.25% · 3.875%
HK$304,795
−HK$9,341/mo
Today · 4.125%
HK$314,136
baseline
▲ 0.50% · 4.625%
HK$333,251
+HK$19,115/mo

Deposit HK$27.78M · loan HK$64.82M · min. income ≈ HK$628,272/mo (50% DSR)

Upfront cash ≈ HK$31.71M (deposit + AVD stamp duty HK$3,935,331 · 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.