About Mortgage Calculator
Mortgage Calculator is a free, multi-region online tool designed to help you understand and plan your mortgage payments. Supporting 5 regions — China Mainland, Hong Kong (China), United States, Japan, and Korea — each with local loan types, regulations, and calculation methods. Whether you are a first-time homebuyer or refinancing, our calculator gives you clear, detailed projections.
What We Offer
5-Region Support
China, Hong Kong (China), US, Japan, Korea — each with local loan types, rates, and regulations.
Local Loan Types
China HPF/combined loans, HK HIBOR/Prime plans, US fixed/ARM, Japan Flat 35, Korea jeonse loans.
Region-Specific Checks
HK stress test, US PMI & property tax, Japan tax deduction, Korea LTV/DTI/DSR compliance.
Two Repayment Methods
Compare Equal Monthly Installments (EMI) and Equal Principal payment plans side by side.
Detailed Schedule
View month-by-month or year-by-year breakdowns of principal, interest, and remaining balance.
5 Languages
简体中文, 繁體中文, English, 日本語, 한국어 — switch anytime, all calculations update instantly.
How It Works
All calculations run directly in your browser using JavaScript. Your loan details (amount, rate, term, down payment) never leave your device — we do not store, transmit, or have access to any data you enter. This means you can use the calculator with complete privacy.
Disclaimer
This tool is provided for reference and educational purposes only. It does not constitute financial advice, loan approval, or a binding offer. Actual loan terms, interest rates, and monthly payments are subject to bank review and approval. Always consult with a qualified financial advisor or your lending institution before making mortgage decisions.
Contact Us
Have questions, suggestions, or feedback? We would love to hear from you.