Affordability Calculator

Enter income, affordable payment, down payment, and rate to estimate the maximum property price.

HKD

Affordable property price$5,446,641Maximum mortgage amount $3,446,641

Monthly payment$15,000

Payment to income ratio50.00%

Required down payment$2,000,000

Remaining cash$-122,549

Input data

Monthly income

Affordable monthly mortgage payment (as income %)

Available down payment

Mortgage rate

Repayment term

Other monthly debt payment (including second mortgage)

Please complete the following items (* required)

Any other mortgage or guarantee?*

NoYes

Apply under company or personal name?*

Personal nameCompany name

Main income from Hong Kong?*

YesNo

Is the property owner-occupied?*

YesNo

Property type*

Completed propertyUncompleted property

Immediate payment*

Immediate paymentConstruction stage

Capacity breakdown

Income-based borrowing limit$3,446,641

Stress-test borrowing limit$5,432,778

Cash-based borrowing limit$9,000,000

Stamp duty$122,549

Payment to income50.00%

LTV rule

Completed property / Personal name / Immediate payment

Borrowing capacity comparison

Cash usage

Available cash$2,000,000

Down payment$2,000,00094.2%

Stamp duty$122,5495.8%

Remaining cash$00.0%

Mortgage, refinance, affordability Instant calculation Subject to lender approval

These results are for reference only. Final terms are subject to the latest announcements and approvals from the HKMA, mortgage insurers, tax authorities, and financial institutions. Reference basis updated through October 16, 2024.

ToolPilot

Tools Feedback