Mortgage Calculator

Enter Mortgage Details

Enter the mortgage details and press Calculate to review repayment results together with LTV and DSR.

Loan Principal

Annual Interest Rate (%)

Repayment Term (Months)

Repayment Type

Home Price (Optional)

Enter the home price if you want to calculate LTV.

Annual Income (Optional)

Enter annual income if you want to calculate DSR.

First-Month Payment -

Total Interest Paid -

Total Repayment -

Run the calculator to compare the first-month payment and total repayment burden by repayment type.

If home price or annual income is entered, the calculator also estimates LTV and DSR for reference.

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Reference: ratios above 70% may require more caution.

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Reference: review repayment capacity again if DSR rises above 40%.

You pay the same amount every month. Early payments carry a larger interest share, and the principal share grows over time.

The principal portion stays fixed every month, while interest declines with the remaining balance. The first-month payment is the highest.

You pay only interest each month and repay the principal at maturity in one lump sum. Plan carefully for the maturity payment.