Global Mortgage Compass

Global Mortgage Compass helps you plan a Hong Kong residential property purchase. Enter a purchase price, property valuation, down payment, interest rate and term to estimate your monthly principal-and-interest payment, total interest and loan amount. Estimate Hong Kong residential ad valorem stamp duty using the higher of the purchase price and market value. The calculator applies the rates effective from 26 February 2026, including marginal relief. You can also enter monthly income and other debt payments to see an estimated debt-servicing ratio. The estimate assumes a constant interest rate and equal monthly payments. It does not include legal fees, agency fees, other charges or transaction-specific stamp-duty exemptions and concessions. Earlier transactions may use different rules. Banks assess applications individually, and mortgage insurance is subject to eligibility. Check the latest rules and your circumstances with the Inland Revenue Department, your lender and relevant professionals.