First mortgage
| Or |
| Or |
| First | Interest rate | |||
| Thereafter | Interest rate | |||
| Or |
| Or |
| First | Interest rate | |||
| Thereafter | Interest rate | |||
[Tax]
Ad valorem tax (AVD or DSD)
N/A
Do you own a property?
Buyer's stamp duty (BSD)
N/A
Do you acquire the property by a non-HKPR identity or company?
Special stamp duty (SSD) #Seller should bear this payment in general practice
N/A
How long does the seller has owned this property?
Mortgage Expenses
Monthly repayment
$
| Down payment | ($) |
| Total loan amount | ($) |
| Total interest amount | ($) |
Outstanding loan vs tenor
Monthly repayment(1)
$
| Monthly mortgage insurance fee(2) | $ (Max) [First Yrs] $ [After Yrs] $ |
| Monthly repayment (1st mortgage) | $ (Max) [First Yrs] $ [After Yrs] $ |
| Monthly repayment (2nd mortgage) | $ (Max) [First Yrs] $ [After Yrs] $ |
Monthly income(3)
N/A
Monthly income(3)
$
| First mortgage - Stress test | |
|---|---|
| Assumed interest rate(4) (Increase 3% on interest rate) | % |
| Monthly income | $ |
| Second mortgage - Stress test | |
|---|---|
| Assumed interest rate(4) (Increase 3% on interest rate) | % |
| Monthly income | $ |
Total loan amount
$
| Loan amount (1st mortgage) | $ |
| Loan amount (2nd mortgage) | $ |
| Mortgage insurance fee | $ |
Total interest amount
$
| Interest amount (1st mortgage) | $ [First Yrs] $ [After Yrs] $ |
| Interest amount (2nd mortgage) | $ [First Yrs] $ [After Yrs] $ |
| Mortgage insurance interest | $ [First Yrs] $ [After Yrs] $ |
Total expenditure
$
| Down payment | $ |
| Mortgage insurance fee (Single non-financed) | $ |
| Mortgage insurance fee (Annual non-financed) | $ |
| Ad valorem tax (old) (AVD or DSD) (Applicable to first-time buyer/changing flat) | $ |
| New ad valorem tax (new) (AVD or DSD) (Applicable for holding more than one property) | $ |
| Buyer's stamp duty (BSD) | $ |
| Special stamp duty (SSD) | $ |
| Agent commission | $ |
| Counsel fee |
(1) Monthly repayment amount for “single interest rate plan for entire tenor” or phase one of the “combined interest rate plan”.
(2) Only applicable to MIP Scheme with monthly repayment.
(3) Min income requirement is calculated according to DTI ratio and stress-DTI ratio, whichever is higher.
(4) According to HKMC, homebuyers have to pass the stress test prior to mortgage application. For an addition of 3% added on the existing interest rate (Calculation based on the minimum rate of 5.15%), the monthly repayment amount should not be over 60% of homebuyer’s monthly income. Calculation based on the Phase one of the first mortgage monthly repayment amount.
(2) Only applicable to MIP Scheme with monthly repayment.
(3) Min income requirement is calculated according to DTI ratio and stress-DTI ratio, whichever is higher.
(4) According to HKMC, homebuyers have to pass the stress test prior to mortgage application. For an addition of 3% added on the existing interest rate (Calculation based on the minimum rate of 5.15%), the monthly repayment amount should not be over 60% of homebuyer’s monthly income. Calculation based on the Phase one of the first mortgage monthly repayment amount.
The prime rate of HSBC, HSB, BOC and NCB is 5%, while 5.25% is for all other banks and financial institutions.
This calculator is only applicable to the mortgage calculation of the residential property. Detailed calculation please refer to the "New Measures" section. All information is for reference only.All Terms and conditions are subject to HKMA, HKMC, Inland Revenue Department, Financial institution's final announcement/approval.
Charges by different law firms may vary. The items listed in the above table DO NOT include the legal charges for preparing the Sales and Purchase Agreement, Deed of Title Transfer and Mortgage Deed. Customers should consult a lawyer for details.
Please call our Hotline at 319-66666 if there are any enquiries.
This calculator is only applicable to the mortgage calculation of the residential property. Detailed calculation please refer to the "New Measures" section. All information is for reference only.All Terms and conditions are subject to HKMA, HKMC, Inland Revenue Department, Financial institution's final announcement/approval.
Charges by different law firms may vary. The items listed in the above table DO NOT include the legal charges for preparing the Sales and Purchase Agreement, Deed of Title Transfer and Mortgage Deed. Customers should consult a lawyer for details.
Please call our Hotline at 319-66666 if there are any enquiries.
The above information is for reference only. No guarantee or representation is given by mReferral 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 mReferral & the relevant financial institutions.
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Unit 1803, 18/F, Tower I,
Admiralty Centre, 18 Harcourt Road, Admiralty, HK
Office hours:
9:00 am to 6:00 pm (Mon to Fri)
Closed on Saturday,Sunday and Public Holidays