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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$98.83M 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$315,516
−HK$19,785/mo
▼ 0.25% · 3.875%
HK$325,330
−HK$9,971/mo
Today · 4.125%
HK$335,301
baseline
▲ 0.50% · 4.625%
HK$355,704
+HK$20,403/mo

Deposit HK$29.65M · loan HK$69.18M · min. income ≈ HK$670,602/mo (50% DSR)

Upfront cash ≈ HK$33.85M (deposit + AVD stamp duty HK$4,200,473 · 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.