HK Utility Lab

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Hong Kong Mortgage Repayment Calculator

Estimate the monthly payment, total repayment and interest under a fixed interest rate based on property price, mortgage percentage, annual interest rate and term, including a rate increase scenario. You can also enter a second rate and term to compare another option.

Hong Kong residents check their bills at home and use their computers to follow the content of the "Hong Kong Mortgage Monthly Payment Calculator"

Enter your details

Enter the property price and mortgage percentage to estimate the loan, down payment and monthly payment after a 2 percentage point rate increase.

Defaults to 1% of the property price for estimation; the actual fee is agreed between the parties.
A higher loan-to-value ratio may require mortgage insurance. Enter the quote from your bank or mortgage insurer.
Estimates an affordable property price assuming monthly repayments do not exceed 40% of income. This is not a bank approval standard.
Enter a repayment term as well to compare another rate

Under the residential ad valorem duty rates effective from 26 February 2026, a property price from HK$6,642,861 to HK$9,000,000 is charged at 3%. For an HK$8,000,000 property, the estimated duty is HK$240,000. The final amount depends on the consideration, property and buyer circumstances. Check the latest Inland Revenue Department guidance.

How to use

  1. Enter the property price and estimated mortgage percentage.
  2. Fill in the annual interest rate percentage and repayment period.
  3. View estimated payments and interest. You can also enter a second rate and term to compare two scenarios.

Calculations run in your browser. Results are estimates only; actual costs may vary.

FAQ

Are mortgage insurance or fees included?

No. The estimate covers repayments only. It excludes mortgage insurance, fees and other charges.

Can I use this for a floating-rate mortgage?

The calculator assumes a fixed interest rate. If the rate changes, your monthly payment and total interest will change.

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