Hong Kong Mortgage Calculator
Work out your monthly repayment for any Hong Kong property purchase. Enter the price, down payment, and interest rate — choose between a Prime-based (P-plan) or HIBOR-based (H-plan) mortgage — and get an instant breakdown including required income and total interest cost. Rates shown are for reference only. Actual mortgage rates and terms are subject to bank approval.
Default rate is for reference only. Please verify with your bank.
Loan Term (years)
Monthly Repayment
HK$24,372
- Loan Amount
- HK$5,600,000
- Down Payment
- HK$2,400,000
- Total Interest
- HK$3,173,759
- First Month Principal
- HK$9,205
- First Month Interest
- HK$15,167
- Stamp Duty (est.)
- HK$240,000
- Min. Monthly Income Required
- HK$48,743
- Stress Test Rate (5.25%)
- HK$30,923
- Total Cash Needed
- HK$2,655,000
Bank internal reference (HKMA suspended Feb 2023)
Down payment + stamp duty + legal fees (~HK$15,000)
Max LTV 70% without mortgage insurance
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How Hong Kong Mortgages Work
Most Hong Kong mortgages are either P-plan (Prime rate minus a discount, typically P−3% to P−2.75%, giving ~5.125%–5.375% at current Prime of 5.875%) or H-plan (1-month HIBOR plus a spread, typically H+1.3%, capped at Prime−2.5%). H-plan rates are lower right now but can rise with HIBOR. Loans are typically 25–30 years. The HKMA previously required a stress test at +2% above the actual rate — this was suspended in October 2023 as part of the partial relaxation of property cooling measures, and fully removed in the February 2024 Budget (撤辣). Maximum LTV is 70% for properties up to HK$30M (owner-occupied), stepping down for higher values.
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