— PROPERTY TOOLS
Hong Kong Mortgage Calculator
Updated with public regulatory guidance, official rate references and 2026 tax rates. Calculate monthly repayments, ad valorem stamp duty, and debt servicing ratio to gain a full picture of your property purchase costs.
Formula and assumptions appear below. Current scenario annual rate: 3.88%.
Loan Parameters
HIBOR + 1.30%, capped at 3.875% (calculator assumption)
Rate Reference
Reading official rate data…Repayment formula, assumptions and limitations
Monthly repayment uses an equal principal-and-interest scenario: M = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is loan principal, r is annual rate ÷ 12, and n is the total number of monthly instalments.
If the annual rate is 0%, the calculation becomes P ÷ n. Calculation precision is retained and figures are rounded to Hong Kong dollars only for display; total interest = monthly repayment × n − principal.
H-rate, P-rate and custom/fixed scenarios each assume the selected annual rate remains unchanged for the full term; actual floating rates may change. If mortgage insurance is added to repayment, the estimate is added to the loan amount before repayment is calculated.
This tool excludes bank rebates, prepayment penalties, administrative fees, valuation differences, repricing periods, early repayment and individual credit-approval conditions. Refer to the bank’s written terms and qualified professional advice.
Monthly Repayment
Calculating after H/P rate data loads
Loan Amount HK$5,600,000
Total Repayment
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Total Interest
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1st Month Principal
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1st Month Interest
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Repayment Breakdown
Chart will appear after H/P reference data is available
Repayment Timeline
PURCHASE BUDGET
Total Purchase Cost
See the down payment and one-off costs required before completion. Excludes future mortgage interest and ongoing holding costs.
Cash Required Before Completion
HK$2,739,355
Includes the down payment and the one-off costs listed below.
Excludes mortgage interest, management fees, rates, Government rent and renovation costs.