Private domestic price index
Published monthlyData period 2026-08
Month on month +0.06%Year on year +10.98%
Provisional; subject to revision
Last verified 2026-10-01 23:25 HKT
RVD · Official source
PROPERTY · POSSIBILITIES · PEOPLE
One property.
More possibilities.
From mortgage payments to retirement plans, make your property arrangements work with your life. Understand your position, costs and choices before your next step.
Clarity first. Possibilities next.
Clear numbersVisible choicesClear responsibilities
YOUR HOME. YOUR NEXT CHAPTER.
A thoughtful property plan
starts with you.
Your property is a place to call home and a consideration for the next chapter of your life. We help organise your property and mortgage information so you can understand your choices.
MARKET WATCH
Property figures with a clear source
Official price, rent and interest-rate figures with their data period and verification date.
320.5Index
Private domestic rental index
Published monthlyData period 2026-08
Month on month +1.64%Year on year +5.26%
Provisional; subject to revision
Last verified 2026-10-01 23:25 HKT
RVD · Official sourceHKMA Base Rate
Banking-day dataData period 2026-09-30
Last verified 2026-10-01 23:25 HKT
HKMA · Official sourceYOUR POSSIBILITIES
What is your next step?
Different stages of life call for different arrangements. Start with your goal.
01
Mortgage planningA clearer plan for your mortgage.
Review your existing mortgage, repayment term, monthly payments and refinancing costs.
Explore this option
02
Funding optionsMore flexibility for your plans.
Explore property funding options with a clear view of repayments, interest and fees.
Explore this option
03
Retirement planningA more considered retirement.
Explore choices including reverse mortgages alongside income, housing and family needs.
Explore this optionPLANNING IN DETAIL
Explore your property plans in detail
Mortgage terms, funding needs and retirement each call for different questions. Start with the direction that fits your goal.
MORTGAGE PLANNING
Mortgage planning: compare payment, term and switching costs in one view
Organise the existing mortgage and compare monthly payment, total interest, remaining term and one-off costs before requesting formal information.
Explore this directionPROPERTY FUNDING
Property funding: define the use, repayment source and downside first
Start with the purpose and repayment source, then organise valuation, existing debt, new interest and costs into an initial comparison framework.
Explore this directionRETIREMENT PLANNING
Retirement property planning: discuss income, home and family together
Use one retirement budget to compare staying, renting, selling or exploring a reverse mortgage, including housing, redemption, debt and family questions.
Explore this directionUNDERSTAND THE NUMBERS
Look beyond the monthly payment
Compare the same principal and assumed rate to see how the term changes payments and total interest.
20-year example
Monthly payment HK$13,919
Total interest HK$940,568
25-year example
Monthly payment HK$12,015
Total interest HK$1,204,490
Term difference
Payment lower by HK$1,904
Total interest higher by HK$263,922
Teaching assumptions: HK$2,400,000 principal, fixed 3.5% annual rate and equal monthly principal-and-interest payments. Fees, incentives, penalties and rate changes are excluded. This is not a lender quotation.
See the full comparisonA CLEARER START
Find your starting point in a minute.
Choose the situation closest to yours. See what information to organise first.
THE WAY FORWARD
More clarity at every step.
- 01
Understand your goal
Start with payments, funding or retirement needs.
- 02
Organise your position
Review property value, loans and cash flow together.
- 03
Compare costs and conditions
Consider obligations as well as possible outcomes.
- 04
Choose your next step
Consult the relevant lender or professional when needed.
KNOW YOUR NUMBERS
Get to know your mortgage numbers.
Estimate monthly payments and see how principal, interest and term affect your mortgage.
Illustrative fixed-rate monthly amortisation only. Excludes fees, insurance, incentives and rate changes. This is not a lender quotation.
Estimated monthly payment—
Estimated total interest—
Estimated total repayments—
FIGURES · CHOICES · LIFE
Numbers and planning posters
Six common questions explained with figures and images. Open a poster to zoom; artwork is currently in Traditional Chinese.
How is a monthly payment calculated?
Principal, the assumed rate and term all affect the monthly payment; total interest and fees complete the comparison. Current poster artwork is in Traditional Chinese.
Assumptions: HK$2,400,000 principal, fixed 3.5% annual rate and equal monthly principal-and-interest payments; only the 20/25-year term changes. Fees, incentives, penalties and rate changes are excluded. This is not a lender quotation.
Explore this planning page
12,000 ÷ 500 = 24 months
A simple break-even is a screening tool and does not prove an option is cheaper. Current poster artwork is in Traditional Chinese.
Simple assumptions: HK$12,000 one-off cost, HK$500 monthly difference, and the same principal and term. Time value of money and other fees are excluded, so this cannot establish that an option is truly cheaper.
Explore this planning page
20 years vs 25 years
With the same principal and assumed rate, a longer term can lower the payment and raise total interest. Current poster artwork is in Traditional Chinese.
Assumptions: HK$2,400,000 principal, fixed 3.5% annual rate and equal monthly principal-and-interest payments; only the 20/25-year term changes. Fees, incentives, penalties and rate changes are excluded. This is not a lender quotation.
Explore this planning page
Four cost groups before refinancing
Compare interest, legal fees, early-repayment charges and other costs in the same table. Current poster artwork is in Traditional Chinese.
Explore this planning page
Still paying, or mortgage repaid?
For either property status, first organise valuation, existing debt, intended use and responsibilities before deciding where to make a formal enquiry. Current poster artwork is in Traditional Chinese.
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Three retirement questions together
Discuss the income gap, housing stability and family arrangements before deciding. Current poster artwork is in Traditional Chinese.
Explore this planning pageTHE OWNER’S NOTEBOOK
More understanding. More considered decisions.
A FEW GOOD QUESTIONS
A few things you may want to ask.
What does “property activation” mean here?
It means organising your property and mortgage position before considering options for repayments, funding or retirement. Arrangements depend on individual circumstances and institutional assessment. It does not mean guaranteed returns or borrowing without costs.
What should I prepare for an initial review?
Your property district, estimated value range, outstanding loan range, remaining term and main goal. Identity documents, a full address and bank statements are not needed for the first enquiry.
Does a review mean lender approval?
An initial review helps organise information and questions. Formal valuations, approval, interest rates and terms are determined by the relevant lender or institution.
Which costs should I compare?
Depending on the arrangement, consider interest, valuation, legal, early repayment and other costs. Reverse mortgages also involve insurance premiums and counselling costs. Obtain written fee information and ask about referral remuneration before proceeding.
Are savings or income guaranteed?
Outcomes depend on property, income, debts, rates, fees and approval conditions. Savings, returns and approval are not guaranteed. Any investment or insurance component requires its own assessment of risks and obligations.
