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Mortgage Calculator
Mortgage
Personal Loan
Credit Card
Products
$
%
years
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Property type

Mortgage options

Mortgage options

Products
$

Loan type

$

Providers

Products
$

Card type

Providers

Products

Minimum Monthly Salary

Minimum Relationship Balance

Providers

Basic Mortgage
Mortgage Calculator
Property price
$
Loan-to-value ratio (LTV)
%
Or
%
years

Tax

Property details
Valuation
Property type
If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
Property valuation
Monthly repayment

Min. Monthly Income Requirement
-
(By pressure test)
-
(By monthly ratio)
Down Payment
Total Loan
Stamp Duties
Other Fees$0

Base on stress test

-

Base on DTI ratio

-
Property Price
HK$
Loan amount
HK$

Mortgage insurance

借款月供 $1395(總共加借$360000)
Interest rate
P=5.375%
-
Or

P = Prime rate (Best Lending Rate), the benchmark interest rate

Repayment Period
Agent commission
HK$
Legal fee
HK$
Renovation costs
HK$
Cash rebate
Stamp Duties
Please Select
Mortgage Calculator
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