Mortgage Calculator - Home Loan, Interest Rates

Property price (HK$)

Loan term (years)

years

Interest rate

%

Loan Ratio

%

Loan Amount

More Options...

Mortgage Insurance:

as a whole

pay annually

Property Type:

residential

commerical

Enter your monthly gross income and monthly expenses to calculate Debt Servicing Ratio (DSR) and stressed DSR.

Monthly income

HK$

Monthly debt repayment

HK$

Preserve information for further use

You can also user our instant Valuation Service

Note: For Below 10Million non-resisdential property, mortgage max ratio is 60%

Monthly Repayment	HKD$8,943
Loan Amount	HKD$1.3 Millions
Total Interest	HKD$0.31 Millions
Total repayment	HKD$1.61 Millions

Estimated upfront cost

Down payment	HKD$560,000
Stamp Duty	HKD$100
Legal Fee	HKD$14,250
Agency Fee	HKD$18,500
Complete insurance Payment	--
Total Expense	HKD$592,850

* 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%	15968	11344	8856	7750	5955	4880	4165
1.5%	16249	11627	9142	8038	6248	5179	4469
2%	16533	11915	9434	8333	6551	5488	4786
2.5%	16820	12207	9731	8634	6862	5809	5116
3%	17111	12504	10035	8943	7182	6141	5459
3.5%	17404	12805	10344	9257	7510	6483	5815
4%	17701	13111	10659	9578	7847	6835	6182
4.5%	18000	13421	10979	9906	8192	7198	6561
5%	18303	13735	11306	10240	8546	7570	6951
5.5%	18609	14054	11637	10581	8908	7952	7352
6%	18918	14377	11975	10927	9277	8343	7764