Property Calculator
Estimate your mortgage repayments, stamp duty costs, and maximum buying budget — all in one place, with Hong Kong-specific rules built in.
Mortgage Calculator 按揭計算機
Estimate your monthly repayments based on property price, LTV, and interest rate.
Property Price
HK$6.00MLoan-to-Value (LTV) — max 90% for this price
60%Annual Interest Rate
3.875%Loan Term
25 yearsMonthly Repayment 每月供款
HK$18,755
Loan Amount 貸款額
HK$3.60M
Down Payment 首期
HK$2.40M
Total Interest 總利息
HK$2.03M
Total Repaid 總還款
HK$5.63M
HK Mortgage Notes
• Max LTV: 90% (≤HK$6M), 80% (≤HK$10M), 70% (above)
• Stress test: qualify at rate +2% or 3.5% (whichever higher)
• Non-HK residents: max 60% LTV
• Mortgage Insurance available via HKMC for higher LTV
Disclaimer: All calculations are estimates for reference only and do not constitute financial or legal advice. Stamp duty rates, LTV caps, and mortgage rules are subject to change. Please consult a licensed mortgage broker, solicitor, or the HKMA for your specific situation.
常見問題
Frequently Asked Questions
Ready to Find Your Property?
Our agents can help you navigate the mortgage process and find the right property in Tung Chung or Tsing Yi.