Mortgage Calculator

Hong Kong SAR China Mortgage Calculator

Your loan

HK$
20% · Loan amount: HK$1,280,000
HK$
%
years
%

Pre-filled estimate: central-bank rate 4.25% plus a typical lender margin. Replace it with your lender's offer.

Monthly payment
HK$8,444
Where your monthly payment goes
  • Principal & interestHK$8,444
Total interest
HK$1,253,130
Total of all payments
HK$2,533,130
Paid off in
25 yr 0 mo
Loan-to-value
80%
Cash needed at purchase
HK$368,000

Upfront costs

  • Down paymentHK$320,000
  • Closing costs
    %
    HK$48,000
  • Cash needed at purchaseHK$368,000

What if interest rates change?

Your payment today is just the start. See how it could move if rates go up or down during your loan.

Your rate is fixed for the whole term, so market moves won't change your payment. Choose a variable or fixed-period loan above to see the effect — or use this to judge whether refinancing could pay off.

Loan balance over time

  • Remaining balance
  • Interest paid (cumulative)
  • Principal paid (cumulative)
Loan balance over timeHK$0HK$500kHK$1MHK$1.5M0510152025

Interest rates in Hong Kong SAR China

Monthly averages. Sources: Bank for International Settlements

Shows the central-bank policy rate. Mortgage rates are usually higher.

Interest rates in Hong Kong SAR China0%1%2%3%4%5%6%201620182020202220242026

Frequently asked questions

How is the monthly mortgage payment calculated?

For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.

What is the current average mortgage rate in Hong Kong SAR China?

Hong Kong SAR China does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.

How much does a 1-point rate rise change my payment?

On a HK$1,280,000 loan over 25 years, going from 6.25% to 7.25% raises the monthly payment from HK$8,444 to HK$9,252 — about HK$808 more each month.

What upfront costs should I budget for in Hong Kong SAR China?

On a HK$1,600,000 purchase, expect about HK$48,000 in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.

Can this calculator predict future interest rates?

No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.

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