Min. Monthly Income Requirement
  • Based on Stressed DTI
  • Based on Basic DTI
Monthly Repayment
  • Monthly Repayment for 1st Mortgage
30 Year(s)
Total Interest
  • Interest for 1st Mortgage
Total Loan Amount
  • Loan Amount for 1st Mortgage
  • Down Payment
  • Commissions for Property Agents
  • AVD
  • HK$
  • HK$
Detail Table
Detail Repayment Table
Remarks: *Change of Residential Property Case - A Hong Kong Permanent Resident may seek a refund of the stamp duty paid in excess of that computed under the old rates upon proof that his only other residential property has been disposed of within twelve months from the date of agreement (properties were acquired on or after 5 November 2016) to acquire a new residential property.
**In accordance with the current HKMA requirements, mortgage applicants are required to pass the stress test, i.e. at the current interest rate plus 2% (based on the market interest rate and the cap rate of H, generally no less than 5.25% calculation), the ratio of the contribution of the first mortgage applicant under the stress test to the income shall not exceed 60%. The minimum income of the above stress test is calculated on the basis of the first mortgage, excluding the two-point contribution and the mortgage premium (if any). The calculation is only for preliminary reference, and it is assumed that the borrower has no other debt.
If you need to understand more about mortgage arrangement, please contact professional mortgage consultant.
Centaline Mortgage Hotline: 2889 2886
Centaline Mortgage Website: www.centamortgage.com
Property Value
First Mortgage
Second Mortgage
Stamp Duty
  • Total
AVD Residential ad valorem stamp duty
BSD Not Required
SSD (Paid by Seller) Not Required