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Mortgage Calculator

Mortgage Calculator

Minimum monthly income

  • Based on Stressed DTI

    $32,670(60%)

  • Based on Basic DTI

    $28,449(50%)

Monthly Repayment

$14,225

  • Monthly Repayment for 1st Mortgage

    $14,225

Tenor

30 Year(s)

Total Interest

$1,520,768

  • Interest for 1st Mortgage

    $1,520,768

Total Loan Amount

$3,600,000

  • Loan Amount for 1st Mortgage

    $3,600,000

  • Down Payment

    $2,400,000

  • Commissions for Property Agents

    $60,000

  • AVD

    $0
  • HK$
  • HK$
Total
$2,460,000
Detail Table
Detail Repayment Table
Property Value
HK$

First Mortgage

%
or
HK$
Yrs
Mth
%

Second Mortgage
(如適用)

Stamp Duty

  • Total
    HK$ 0
AVD Residential ad valorem stamp duty
BSD Not Required
SSD (Paid by Seller) Not Required
Reminder:
  1. In accordance with the current HKMA requirements, mortgage applicants are required to pass the stress test, i.e. calculated by adding 2% to the current mortgage interest rate (based on the market interest rate and the cap rate of HIBOR plan, generally no lower than 5.125%), the debt-to-income (DTI) ratio of the first mortgage applicant under the stress test shall not exceed 60%. The above stress test calculation is calculated on the basis of the first mortgage (second mortgage is not included) as initial reference, and it is assumed that the borrower has no other debt. The actual loan-to-value ratio is subject to the restrictions under current mortgage measures. The variable-rate mortgage repayment is calculated upon the offered interest rate and assumes that the interest rate remains unchanged for easy reference.
  2. Commission for agents would be 1% of the property value, please contact Centaline Property for more details.
  3. Solicitors Fee is for reference only and depends on each legal firm.
  4. The calculation is for reference only and subject to the latest announcement of Inland Revenue Department, HKMA and Banks.For details, please contact our Mortgage Consultant.
Service Hotline: 28892886
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