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  1. Home
  2. Mortgage
  3. Mortgage Calculator

Mortgage Calculator

Use our mortgage calculator to find out how much you can borrow and the repayments actually cost you monthly, based on your loan amount, LTV (Loan-to-value ration), and interest rate.

Want to learn more about mortgage and MoneySmart?

Click here

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

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.

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.

Other Fees Of Buying A Property

Stamp Duty

Residential Property Stamp Duty - Applicable to first-time buyer

Property ValueStamp Duty Rate(percentage of property value)
HK$0-HK$2,000,000HK$100
HK$2,000,000-HK$2,351,760HK$100+10% of excess over HK$2,000,000
HK$2,351,760-HK$3,000,0001.5%
HK$3,000,000-HK$3,290,320HK$45,000+10% of excess over HK$3,000,000
HK$3,290,320-HK$4,000,0002.25%
HK$4,000,000-HK$4,428,570HK$90,000+10% of excess over HK$4,000,000
HK$4,428,570-HK$6,000,0003%
HK$6,000,000-HK$6,720,000HK$180,000+10% of excess over HK$6,000,000
HK$6,720,000-HK$20,000,0003.75%
HK$20,000,000-HK$21,739,120HK$750,000+10% of excess over HK$20,000,000
HK$21,739,120 or above4.25%

Residential Property Stamp Duty - Applicable to non-first-time buyer
Non-first-time-buyers are liable to pay stamp duty at a flat rate of 15%.

Non-Residential Property Stamp Duty (Double Stamp Duty)

Property ValueStamp Duty Rate(percentage of property value)
HK$0-HK$2,000,000HK$0-HK$2,000,0001.5%
HK$2,000,000-HK$2,351,760HK$30,000+ 20% of excess over HK$2,000,000
HK$2,351,760-HK$3,000,0003%
HK$3,000,000-HK$3,290,320HK$90,000+20% of excess over HK$3,000,000
HK$3,290,320-HK$4,000,0004.5%
HK$4,000,000-HK$4,428,570HK$180,000+20% of excess over HK$4,000,000
HK$4,428,570-HK$6,000,0006%
HK$6,000,000-HK$6,720,000HK$360,000+20% of excess over HK$6,000,000
HK$6,720,000-HK$20,000,0007.5%
HK$20,000,000-HK$21,739,120HK$1,5000,000+20% of excess over HK$20,000,000
HK$21,739,120 or above8.5%

Legal Fee

The legal fee for property purchase mainly includes 3 items: Sale and Purchase agreement, the assignment and the mortgage. Legal cost can be up to thousands of dollars, and varies from case to case, influenced by factors like property price, property age, loan amount etc.

Estate Agent Fee

If the property is sold through an agent, both the seller and buyer will have to pay for agent commission. The usual rate of commission for agents is about 1% of the sales price, it is subject to negotiation between you and your appointed estate agent.

常見問題

P按及H按在使用計算機方式上是否有差別?

P按及H按為兩種不同的按揭計劃,P按與H按一樣,息率並不是固定的,但在使用按揭計算機時,只需要輸入年利率及年期,即可計算每月按揭供款。例如:如以樓價HK5,000,000計算,如按揭成數為60%,假設供款年期為30年,只要將上述資料輸入按揭計算機,再選定銀行,你就可以即時知道你的每月供款/ 最低每月入息要求和首期等資訊。

是否需要承造按揭保險?

如按揭申請人想申請超過6成的按揭成數,就需要購買按揭保險計劃,保費以貸款額計算,但只適用於首置人士和樓價HK$10,000,000以下的物業。MoneySmart的按揭計算機會根據你想申請的按揭成數,而提示你是否需要按揭保險,並視乎你申請的年期、按揭額及付款方式計算好按揭保險費用。

如何計算壓力測試?

我們的計算機已計算好你在壓力測試下所需要的入息要求。根據金管局指引,業主承造按揭必須通過壓力測試,即以現行利率加3%計算,你每月供款額必須低於其每月入息60%水平。如果按揭成數高於八成,供款與入息比率不可超過45%,你在壓力測試下供款與入息比率不能超過55%。不過自2019年施致報告中,提出放寛住宅物業按揭成數後,首置人士即使未能通過壓力測試,亦可申請最高8成或9成按揭,而其保費將因應風險因素作出調整。

承造按揭時是否有高於1%現金回贈?

根據金管局最新指引,如承造按揭時銀行提供的現金回贈高於按揭額1%,須直接於按揭額上扣減,換言之,你的總供款額減少了。例如:如以樓價HK9,000,000計算,如按揭成數為60%,假設現金回贈百分比為1.5%,借貸人可獲HK$81,000回贈,由於現金回贈多於1%,因此銀行必須把現金回贈計算在貸款額內,因此借貸額扣除回贈部分為HK$5,319,000。
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