Affordability Calculator      
  Mortgage Calculator Refinance Calculator

2019/10/16 Guideline & Comparison of First Installment
Before and After Mortgage Rules Relax  More

Monthly Income
Other Monthly Payment
Down Payment
Loan Amount
% Or %
Repayment Period
Year Month
Affordability Assessment Results
Mortgage Plan
Total Payment
Month Repayment
Property Value
Debt-to-income(DTI) Ratio
Stress Test
(Assume interest rates increase by 3.0%)

If both LTV ratio and stress test are passed, the property value will be the price that you can afford.

The purpose for this Affordability Calculator is only to reveal the mortgagee whether he/she can fulfill the requirement of DTI Ratio and Stress Test. 

This calculator is only applicable to the mortgage calculation of the first self-use residential property. Detailed calculation please refer to the "New Measures" section. All information is for reference only. All terms and conditions are subject to HKMA, HKMC, Inland Revenue Department, financial institution’s final announcement/approval. Information as of 19 May 2017.
For the relationship between the property value and max LTV ratio, as well as the MIP issue, please refer to "New Measures" section, or use our“ Mortgage Calculator” for further calculation.