HK Interest Calc
Interest, mortgage, PV and inflation calculators for Hong Kong, with rates updated daily.
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- Principal
- Total interest
- Principal added
- Payments received
- Total amount due
- Total no. of days
- Daily interest
| Period start | Period end | Days | Rate | Formula: principal × rate × days ÷ year days | Interest |
|---|
Principal added later
| Date | Description | Amount | Principal after |
|---|
Payments
| Date | Amount | To interest | To principal | Principal after | Unpaid interest after |
|---|
Rate table
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- Loan amount
- Monthly instalment
- Stress test
- Debt servicing ratio (DSR)
- Total interest
- Total repaid
- Loan ends
Compare plans
The same loan under each plan, using each plan's own settings above (switch plan to edit them).
| Plan | Rate at drawdown | Instalment | Total interest | Cash rebate | Net cost | Effective rate | Loan ends |
|---|
Each year
| Year | Instalments | Paid | Interest | Principal | Extra | Balance |
|---|
| No. | Due date | Rate | H + margin | Cap | Instalment | Interest | Principal | Extra | Balance |
|---|
Rate history HIBOR and HSBC prime rate
Show each rate, with an optional spread (% p.a.), e.g. HIBOR + 1.3 or prime − 1.75.
Mortgage rate = the lower of HIBOR + its spread and prime + its spread (the cap), using the spreads above.
HIBOR: HKD Interest Settlement Rates set daily by HKAB, with the history from the HKMA; latest data is –. Prime: HSBC best lending rate, as on the Interest tab.
Inputs changed. Press Calculate to recalculate.
- Rate (IRR)
- Present value
- Total of amounts
- Discount
- Valuation date
| Date | Description | Days | Years | Amount | Discount factor | Present value | Working |
|---|
Inputs changed. Press Calculate to recalculate.
- Total of payments
- Interest
- Rate with compounding
| Year | Payments | Interest | Balance at year end |
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Inputs changed. Press Calculate to recalculate.
- Prices changed by
- Average a year
- Composite CPI
Price level Composite CPI, rebased so your start month = 100
HK inflation history year-on-year change in the Composite CPI, each month
Yearly inflation
| Year | Composite CPI (average) | Inflation |
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Monthly inflation
| Month | Composite CPI | Year-on-year | Month-to-month |
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