Hong Kong Property Affordability Calculator
Calculate your maximum property budget based on your income, expenses, and savings
Affordability Calculator
Calculation Results
Please fill in the details to calculate affordability
Affordability Information
Debt Service Ratio (DSR)
Banks typically require monthly payments not to exceed 50% of income, and no more than 60% under stress test conditions.
Stress Test
Banks calculate using current rates plus 3% to ensure borrowers can handle interest rate increases.
Down Payment Requirements
First-time buyers need minimum 10% down payment, non-first-time buyers need minimum 30%. We recommend setting aside extra funds for miscellaneous fees.
Loan Term
Maximum 30 years, but limited by borrower's age and property age. Longer terms mean lower monthly payments.
The above calculations are for reference only. Actual approval results are subject to bank assessment.
Need Professional Advice? Contact Us📚 Related Reading
In-depth articles to help you learn more
The 'last mile' of a home mortgage: signing the loan contract.
The 'Last Mile' of a Home Mortgage: What You Must Know Before Signing a Loan Agr
How to hedge risks through mortgages in an interest rate hike environment?
How to hedge risks through mortgages in an interest rate hike environment?
What is the 'amortization period'? Its impact on the monthly payment amount.
[2024 Mortgage Guide] What is the 'Spread Term'? A Clear Look at Its Actual Impa
Revealed: What are the differences in 'loan preferences' among different banks?
Revealed: What are the differences in 'loan preferences' among different banks?
Why is 'paying only interest without repaying principal' not a long-term strategy?
Why 'paying interest without repaying the principal' is not a long-term plan? Br
The 'agency fee' trap in mortgage loans.
The 'Broker Fee' Trap in Mortgage Loans: Watch Out for These Hidden Charges Eati