Mortgage Calculator - Monthly Repayment, Down Payment, Stamp Duty and Stress Test

Property price (HK$)

Loan term (years)

years

Interest rate

%

Loan Ratio

%

Loan Amount

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Preserve information for further use

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Monthly Repayment	HK$17,071
Loan Amount	HK$3.6 million
Total Interest	HK$1.52 million
Total repayment	HK$5.12 million

Estimated upfront cost

Down payment	HK$2,400,000
Stamp Duty	HK$135,000
Legal Fee	HK$32,500
Agency Fee	HK$60,000
Complete insurance Payment	--
Total Expense	HK$2,627,500

* For the mortgage insurance, the condition and terms may be different from above due to different background and situaction per case. Please refer to 「Mortgage ratio guide」for details

Table of interest and year varation

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* The below monthly price is for reference only

Interest/years	7 years	10 years	13 years	15 years	20 years	25 years	30 years
1%	44392	31537	24619	21545	16556	13567	11579
1.5%	45173	32324	25414	22346	17371	14397	12424
2%	45962	33124	26225	23166	18211	15258	13306
2.5%	46760	33937	27053	24004	19076	16150	14224
3%	47567	34761	27897	24860	19965	17071	15177
3.5%	48383	35598	28756	25735	20878	18022	16165
4%	49207	36448	29632	26628	21815	19002	17186
4.5%	50040	37309	30523	27539	22775	20009	18240
5%	50882	38183	31430	28468	23758	21045	19325
5.5%	51732	39069	32352	29415	24763	22107	20440
6%	52590	39967	33290	30378	25791	23194	21583