ToolPilot

Hong Kong Residential

Refinance Calculator

Compare the current loan and new loan to estimate payment change, cash-out amount, and rebate.

HKD
Refinance / top-up
Before refinance
0
300M
600M
1,000M
%
or
%
yr
mo
After refinance
300M
600M
1,000M
%
0%
50%
80%
100%
%
or
%
yr
mo
%
0%
1%
2%
5%
Refinance result
Monthly payment before refinance$11,660
Monthly payment after refinance$13,059
Cash-out amount (excluding rebate)$360,000
Cash rebate$63,840
Notes
Cash-out amount = new loan - remaining loan.
Cash rebate is calculated separately.
Payment change
Cash flow breakdown
Mortgage, refinance, affordability Instant calculation Subject to lender approval

These results are for reference only. Final repayment terms remain subject to the relevant lender terms and final approval. If mortgage insurance is used for cash-out refinancing, the loan-to-value cap is 80% and the maximum term is 25 years. Mortgage insurance premium is not included in the result.