I play hammered dulcimer, but occasionally I will be recording songs that use chromatic scales, such as "Time in a Bottle" by Jim Croce. Since the dulcimer isn't a chromatic instrument, it's nice to have a hammered dulcimer VST plugin to use. The best free hammer dulcimer VST I've found so far is called DSK Indian Dreamz. In this plugin, the "tar" instrument sounds a lot like a hammered dulcimer. Also, it comes with several other instruments, including a sitar. Here's the link!
http://www.dskmusic.com/dsk-indian-dreamz/
