Affordability Calculator      
  Mortgage Calculator Refinance Calculator

Monthly Income
 
Other Monthly Payment
 
Down Payment
 
Loan Amount
%Or
 
Interest
Rate
% Or %
 
Repayment Period
Year Month
 
Affordability Assessment Results
Total Payment
1,000
Month Repayment
1,000
Property Value
1,000
Debt-to-income(DTI) Ratio
50%
50%
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.