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 10Million Above non-resisdential property, mortgage max ratio is 60%

Monthly Repayment	HKD$2,175,332
Loan Amount	HKD$315 Millions
Total Interest	HKD$76.56 Millions
Total repayment	HKD$391.56 Millions

Estimated upfront cost

Down payment	HKD$135,000,000
Stamp Duty	HKD$19,125,000
Legal Fee	HKD$1,142,500
Agency Fee	HKD$4,500,000
Complete insurance Payment	--
Total Expense	HKD$159,767,500

* 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%	3884342	2759529	2154163	1885257	1448667	1187148	1013164
1.5%	3952660	2828432	2223757	1955340	1520018	1259799	1087128
2%	4021742	2898423	2294765	2027052	1593532	1335141	1164301
2.5%	4091585	2969501	2367182	2100386	1669194	1413142	1244630
3%	4162189	3041663	2441001	2175332	1746982	1493765	1328052
3.5%	4233552	3114904	2516215	2251880	1826873	1576964	1414490
4%	4305673	3189221	2592815	2330016	1908838	1662686	1503858
4.5%	4378550	3264609	2670793	2409728	1992845	1750872	1596058
5%	4452181	3341063	2750138	2490999	2078860	1841458	1690988
5.5%	4526563	3418577	2830837	2573812	2166845	1934375	1788535
6%	4601694	3497145	2912878	2658149	2256757	2029549	1888584