clickity click

Hey,

I have a website that I don't wish to be made public yet. I have a "holding page".
It is mysite.com/index.htm

I would like to make a fancy wordpress site which I installed. It's address is mysite.com/index.php

The problem is if I go to the index.php it just loads the index.htm Does htm take precedence over .php?

How can I edit and view my new wordpress site but hide the root domain?