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  3. Mortgage Calculator

Mortgage Calculator

Compare mortgages to find out how much you can borrow and the repayments actually cost you monthly. Search for remortgages, buying to let and first time.

Interest Rate

Self-Defined
Self-Defined
Dah Sing Bank
HSBC
Hang Seng Bank
Bank of China
Nanyang Commercial Bank
Chiyu Banking Corporation
Citibank
China Construction Bank
ICBC
Public Bank
Standard Chartered
Bank of East Asia
DBS
Chong Hing Bank
Fubon Bank
OCBC Wing Hang Bank
Wing Lung Bank
Shanghai Commercial Bank
China CITIC Bank
Bank of Communications

Please choose ‘Self-Defined’ if you want to input interest rate manually

More Options

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Property Valuation Calculator

Check valuation of any residential property in Hong Kong

See Property Valuation
Looks like you have not used the calculator yet. Please tell us a few details about yourself and the property.

Compare the best mortgage plans now

Get rates

Property Valuation Calculator

Check valuation of any residential property in Hong Kong

See Property Valuation
  1. The above information is for reference only. No guarantee or representation as to its accuracy, completeness and/or applicability. For all individual cases, please refer to the regarding terms and conditions and are subject to the final approval from relevant financial institutions.
  2. All terms and conditions are subject to HKMA, HKMC, Inland Revenue Department.
  3. The items listed above DO NOT include any additional fees of property transaction, e.g. the legal charges for preparing the Sales and Purchase Agreement, Deed of Title Transfer and Mortgage Deed, etc.

Frequently Asked Questions

What is the difference between the Prime-Rate and the HIBOR-Rate when using the calculator?

Either choosing the Prime-Rate or HIBOR-Rate, you only need to enter the annual interest rate and the repayment terms for getting the total monthly mortgage repayment amount.

Does your mortgage plan require Mortgage Insurance Programme (“MIP”)?

MoneySmart’s calculator tells whether you need a Mortgage Insurance Programme (“MIP”) based on your LTV, which your MIP fees are dependent on years of term, mortgage loan amount, and payment method.

How to calculate mortgage stress-testing?

Mortgage applicants must go through a stress-testing on income level to the DSR (Debt Servicing Ratio) , which is rate+3% on top to your DSR level not exceed 60% of your monthly income. The DSR and the DSR-under-stress-testing-level should be less than 45% and 55% respectively if your mortgage LTV is over 80%.

Does your mortgage have cash rebate excess of 1% of the loan amount?

The cash rebate is directly duduced from the residential mortgage when the LTV excesses 1% of the mortgage.
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