Does a 50% DSR mean the bank will lend the maximum?
No. A bank also reviews income stability, credit history, the property, guarantees and its own policy.
Hong Kong Property Affordability Calculator
Calculate your maximum property budget based on your income, expenses, and savings
Affordability Calculator
Calculation Results
Maximum Property Price:
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Maximum Loan Amount:
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Monthly Payment:
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Down Payment at Selected LTV:
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Down Payment Gap:
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Please fill in the details to calculate affordability
Affordability Information
Debt Service Ratio (DSR)
The current general HKMA debt-servicing-ratio cap is 50%; banks may apply stricter standards to an individual case.
Stress Test
The former regulatory test assuming a two-percentage-point rate rise is suspended; borrowers should still model higher-rate scenarios.
Down Payment Requirements
The general prudential LTV cap is 70%; 80% or 90% lending normally requires separate mortgage-insurance eligibility and loan caps.
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.
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Method and current regulatory reference
A planning calculation can start with gross monthly income multiplied by a selected DSR limit, less other monthly debt payments. From 16 October 2024, the HKMA standardised the general prudential caps at 70% LTV and 50% DSR. A bank may still apply a lower LTV or stricter underwriting.
| Input | How to use it |
|---|---|
| Gross monthly income | Use stable income that can be documented |
| Other debt payments | Include personal loans, car finance and instalments |
| Selected LTV | 70% is the general reference; 80% or 90% requires separate MIP eligibility |
| Available savings | Used to show a down-payment gap, not every transaction cost |
Example: test payment capacity before cash
At HK$80,000 gross monthly income, HK$10,000 of other debt payments and a selected 50% DSR, the planning allowance for the new mortgage is HK$30,000 a month. The tool then applies the assumed rate, term and LTV. Insufficient cash for the down payment or costs will reduce the practical budget.
Check cash requirements with the down-payment calculator, then compare repayments in the mortgage calculator. To prepare an enquiry, request mortgage referral information.
Frequently asked questions
Can every first-time buyer select 90% LTV?
No. Higher-LTV lending normally requires Mortgage Insurance Programme eligibility and may involve premiums and loan caps.
Are living costs the same as DSR debts?
No. DSR focuses on monthly debt obligations, while living expenses should be tested separately in a household cash-flow budget.
Does the result include stamp duty and legal fees?
No. Budget separately for tax, legal fees, negotiated agency commission, insurance and contingencies.
Official and professional sources
Disclaimer：General planning information only; not a credit decision or financial, investment, tax or legal advice.