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Mortgage Calculator

Use the Ricacorp mortgage calculator to find out how much you can borrow and the actual monthly repayments, based on your loan amount, LTV (Loan-to-value ration), and interest rate. Our mortgage calculator also will show you other related expenses which include Stamp Duty, Cost for the contract, Agency Commission etc.
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Mortgage Calculate Condition
HKMA measures ?
Regular salaried,first-time and maximum debt-to-income ratio of 45% persons
Mortgage Calculate Result
Total Loan Amount: {{ calMortgageAmount | eprice }}
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Property Value: {{ (factor.propertyPrice * 1000000) | eprice }}, Monthly Repayment: {{ factor.monthlyPayment | eprice }}, Loan-to-value ratio: {{ calMortgageRatio.toFixed(0) }}%, Loan-to-value ratio: {{ factor.mortgageRatio.toFixed(0) }}%, Repayment Period: {{ factor.loanYear.toFixed(0) }}Year, Interest Rate: {{ factor.interestRate.toFixed(3) }}%
Monthly Repayment
${{ factor.monthlyPayment.toFixed(1) }} ${{ calTotalMonthlyPayment.toFixed(1) }}
Property Value
{{ (calMaxPriceFromTotalMPayment * 1000000) | eprice }}
Repayment Period
{{ calLoanYearWithInsuranceFeeRate.toFixed(1) }}
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  • {{ calFirstPayment | eprice }}
  • {{ calMortgageAmount | eprice }}
  • {{ calMortgageAmountWithInsuranceFee - calMortgageAmount | eprice }}*
  • *Above Premium Payment Payment method is Single Premium Payment
    (on top)
Mortgage Calculate Result
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{{ govMsg }}
Property Value: {{ (factor.propertyPrice * 1000000) | eprice }} Monthly Repayment: {{ factor.monthlyPayment | eprice }} Loan-to-value ratio: {{ factor.mortgageRatio.toFixed(0) }}% Repayment Period: {{ factor.loanYear.toFixed(0) }}Year Interest Rate: {{ factor.interestRate.toFixed(2) }}%
Monthly Repayment
${{ factor.monthlyPayment.toFixed(1) }} ${{ calTotalMonthlyPayment.toFixed(1) }}
Property Value
{{ (calMaxPriceFromTotalMPayment * 1000000) | eprice }}
Repayment Period
{{ calLoanYearWithInsuranceFeeRate.toFixed(1) }}
{{ newMsg }}
{{ govMsg }}
  • {{ calFirstPayment | eprice }}
  • {{ calMortgageAmount | eprice }}
  • {{ calMortgageAmountWithInsuranceFee - calMortgageAmount | eprice }}*
  • *Above Premium Payment Payment method is Single Premium Payment
    (on top)
Remortgage Calculate Condition
Remortgage Calculate Result
Current plan New plan Difference(+/-)
{{ refinancingCurrentFactor.monthlyPayment | eprice }} {{ refinancingFactor.monthlyPayment | eprice }} {{ (refinancingFactor.monthlyPayment - refinancingCurrentFactor.monthlyPayment) | monthlyDiff }}
{{ refinancingCurrentChartData[refinancingCurrentChartData.length - 1].totalInterest | eprice }} {{ refinancingChartData[refinancingChartData.length - 1].totalInterest | eprice }} {{ (refinancingChartData[refinancingChartData.length - 1].totalInterest - (refinancingCurrentChartData[refinancingCurrentChartData.length - 1].totalInterest)) | monthlyDiff }}
- {{ refinancingFactor.propertyPrice - refinancingCurrentFactor.propertyPrice + refinancingFactor.cashRebate - refinancingFactor.otherFee | monthlyDiff }} {{ refinancingFactor.propertyPrice - refinancingCurrentFactor.propertyPrice + refinancingFactor.cashRebate - refinancingFactor.otherFee | monthlyDiff }}
Stamp Calculate Condition ?
Are you first-time buyer(includes Residence, commercial, industrial, shops and car park)?
Are you Non-Hong Kong permanent residents or purchase properties by company name?
Holding period of residential property
Stamp Calculate Result
Stamp is {{ (((stampTotal / (factor.propertyPrice * 1000000 + stampTotal)) * 100).toFixed(2)) }}% of total expenses ({{ factor.propertyPrice * 1000000 | eprice }} + {{ stampTotal | eprice }})
Stamp Estimate Amount
{{ stampTotal | eprice }}
Show Property Value

  • {{ stampData[0] | eprice }}

  • {{ stampData[1] | eprice }}

  • {{ stampData[2] | eprice }}

  • {{ stampData[3] | eprice }}

  • {{ factor.propertyPrice * 1000000 | eprice }}
Stamp is {{ (((stampTotal / (factor.propertyPrice * 1000000 + stampTotal)) * 100).toFixed(2)) }}% of total expenses ({{ factor.propertyPrice * 1000000 | eprice }} + {{ stampTotal | eprice }})
Stamp Estimate Amount
{{ stampTotal | eprice }}
Show Property Value

  • {{ stampData[0] | eprice }}

  • {{ stampData[1] | eprice }}

  • {{ stampData[2] | eprice }}

  • {{ stampData[3] | eprice }}
Repayment Chart
Repayment Table
Period Installment Principal Balance Interest Accumulation Interest Remaining Repayment
{{ $index + 1 }} {{ result.termPayment | priceWithCommas }} {{ result.termPrincipal | priceWithCommas }} {{ result.termInterest | priceWithCommas }} {{ result.totalInterest | priceWithCommas }} {{ result.term_balance | priceWithCommas }}
Saved results
  • Property Value
    {{ h.propertyPrice.toFixed(0) }}M
    Monthly Repayment
    ${{ h.monthlyPayment.toFixed(0) }}
    Loan-to-value ratio / Repayment Period / Interest Rate
    {{ h.mortgageRatio }}% / {{ h.loanYear.toFixed(0) }}Year / {{ h.interestRate.toFixed(0) }}%
    {{ h.saveDate | date:'yyyy-MM-dd HH:mm:ss' }}
  • No saved results
Ricacorp Mortgage Agency Limited (RMA) offers customers variety of solid mortgage tools, including mortgage calculator, property refinancing calculator, mortgage guide, etc., which can help customers obtain the most accurate related data including mortgage rate, mortgage discounts, maximum mortgage, monthly mortgage repayment, etc., assisting you to easily complete loan and mortgage related activities.