Enter price and rate to instantly see monthly payment, HKMA stress-test payment (rate + 2%), total interest, and how much you'd save with a HK$500,000 negotiated discount.
Calculated using the standard equal-monthly-instalment method: monthly rate = annual rate ÷ 12, tenor in months. Stress test adds 2 percentage points per HKMA standard.
For estimation only — actual bank approval terms may vary. Not mortgage advice.
Independent buyer-side negotiation. Fee is half the savings you secure.