Mortgage Calculator
Plan your home purchase with confidence
Enter your property price, loan amount, loan tenure, and interest rate to estimate your monthly repayments and total property costs.
Mortgage calculator
Estimate your monthly repayments and total property costs for a Hong Kong purchase.
Property and loan
HK$
HK$
%
Estimated repayment based on the interest rate entered.
%
%
%
%
4.10% + 1.40% spread = 4.10% (HIBOR calculation)
5.00% − 2.50% = 2.50% (Prime cap)
Effective: min(4.10%, 2.50%) = 2.50%
✓ Cap applies
Additional costs
Optional, enter 0 if not applicable
Mortgage Insurance (MIP)
Required for LTV > 60%
Annual premium estimate shown in breakdown.
HK$
HK$
HK$
HK$
Total lifetime property expenditure
HK$10,544,654
Mortgage rates may change over time. Check the effective rate and repayment terms with your bank.
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For reference only. Results are estimates based on the figures entered and do not account for individual bank policies, stress test requirements, or regulatory changes. Stamp duty (AVD) rates are for Hong Kong Permanent Residents purchasing their first residential property (Scale 2), as of June 2026. Mortgage insurance premium estimates are indicative, actual premiums depend on HKMC's prevailing schedule. Cash rebates are shown separately and do not reduce the monthly payment or loan balance. StashAway is not a mortgage broker or financial advisor.
Disclaimer:
Our Mortgage Calculator helps you estimate your monthly repayments and the total cost of buying a home in Hong Kong.
By entering your property price, loan amount, loan tenure, interest rate, and any additional costs, you can see your monthly payment, total interest, upfront costs, and the minimum monthly income you may need, helping you plan your purchase with more confidence.
Why use a mortgage calculator?
Which type of mortgage is right for you?
Feature | Prime-linked (P) | HIBOR-linked (H) | Fixed-rate |
|---|---|---|---|
How the rate is set | Bank's prime rate, usually less a discount | HIBOR plus a margin | Fixed rate agreed with the bank |
Rate changes | Moves when the bank changes its prime rate | Can change often as HIBOR moves | Stays the same for the fixed period |
Monthly repayment | Can change | Can change more often | Predictable during the fixed period |
Main risk | Repayments rise if prime rises | Repayments can swing with market rates | May cost more if market rates fall |
May suit | Borrowers who want a simpler floating rate | Borrowers comfortable with rate swings | Borrowers who want certainty |
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Frequently Asked Questions
How is a mortgage repayment calculated? | HK
Your monthly repayment is based on your loan amount, interest rate, and loan tenure. Each payment covers the interest for the month and part of the loan principal, so your outstanding balance falls over time.
What is the difference between a prime-linked and HIBOR-linked mortgage? | HK
A prime-linked mortgage follows the bank’s prime rate, while a HIBOR-linked mortgage follows the Hong Kong Interbank Offered Rate plus a margin. HIBOR-linked rates can change more often.
Should I choose a fixed-rate or floating-rate mortgage? | HK
It depends on how much repayment uncertainty you are comfortable with. A fixed rate gives predictable repayments for the fixed period, while a floating rate can rise or fall with market rates. This is general information, not financial advice.
How does a longer loan tenure affect my repayments? | HK
A longer tenure lowers your monthly repayment but increases the total interest you pay over the loan. A shorter tenure does the opposite.
How does a bigger down payment affect my mortgage? | HK
A bigger down payment reduces the amount you need to borrow. This usually means lower monthly repayments and less total interest.