Hong Kong Mortgage and Affordability Calculator
Estimate the deposit, monthly payment, stamp duty and affordable private-home price.
Buying through Green Form or GSH? Eligibility is separate from affordability. Check the tenancy or certificate and property restrictions with the Green Form eligibility and GSH mortgage calculator.
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Mortgage inputs
Monthly repayment
Loan HK$3,500,000
Rent comparison (optional)
Monthly repayment
Loan amountHK$3,500,000 · Down paymentHK$1,500,000
View mortgage details
Reference stress-test monthly repayment
Monthly repayment after +2% rate rise (suspended, for reference only)
Reference stress-test DSR
Current DSR requirement: no more than 50%
Current DSR
HKMA requires no more than 50%
Total interest
Stamp duty
Tax rate 2.25%
Total cost of buying
Includes down payment, taxes, repayments and mortgage insurance
Loan-to-value (LTV)
High-LTV mortgage insurance premium
Estimated mortgage insurance premium
Estimated by loan amount
Affordability conclusion: Under both current and stress-test rates, the DSR is below 50%, preliminarily meeting bank approval conditions. The actual LTV is still subject to property type and mortgage insurance.
At the entered income, the estimated maximum property price is HK$7,133,960. This excludes other debts and normal household spending.
Compare how the remaining principal, cumulative principal repaid and cumulative interest change over time to see the impact of compounding on total cost.
| Month | Repayment | Interest | Principal | Remaining principal |
|---|---|---|---|---|
| 1 | HK$17,522 | HK$10,208 | HK$7,313 | HK$3,492,687 |
| 2 | HK$17,522 | HK$10,187 | HK$7,335 | HK$3,485,352 |
| 3 | HK$17,522 | HK$10,166 | HK$7,356 | HK$3,477,995 |
| 4 | HK$17,522 | HK$10,144 | HK$7,378 | HK$3,470,618 |
| 5 | HK$17,522 | HK$10,123 | HK$7,399 | HK$3,463,219 |
| 6 | HK$17,522 | HK$10,101 | HK$7,421 | HK$3,455,798 |
| 7 | HK$17,522 | HK$10,079 | HK$7,442 | HK$3,448,355 |
| 8 | HK$17,522 | HK$10,058 | HK$7,464 | HK$3,440,891 |
| 9 | HK$17,522 | HK$10,036 | HK$7,486 | HK$3,433,405 |
| 10 | HK$17,522 | HK$10,014 | HK$7,508 | HK$3,425,898 |
| 11 | HK$17,522 | HK$9,992 | HK$7,530 | HK$3,418,368 |
| 12 | HK$17,522 | HK$9,970 | HK$7,552 | HK$3,410,816 |
Scenario comparison
Save two sets of inputs and compare the results side by side.
HK$5M home example
Not saved
HK$6M home example
Not saved
Understanding Mortgage Affordability and HOS Home Loans
Buying property in Hong Kong usually involves a mortgage. When approving private residential mortgages, banks mainly calculate the debt servicing ratio (DSR), which the HKMA currently requires to be no more than 50%. On 28 February 2024 the HKMA announced that the +2 percentage point mortgage interest rate stress test was suspended; banks now mainly approve based on DSR not exceeding 50%. Borrowers should still assess their own ability to pay if interest rates rise.
HOS flats and Green Form Subsidised Home Ownership Scheme (GSH) flats enjoy government guarantee advantages. Green Form applicants can borrow up to 95% and White Form applicants up to 90%, with no mortgage insurance required. Banks only need to ensure the current DSR does not exceed 50%. From March 2024, the maximum repayment period for new HOS and GSH flats was extended to 30 years, further reducing monthly payment pressure.
HK FinBox's mortgage affordability calculator supports both private residential and HOS/GSH modes. After entering the property price, down payment percentage, mortgage rate, repayment term and household monthly income, the calculator automatically computes the monthly payment, DSR, reference stress-test figures (currently suspended, for reference only) and affordable property price by property type. When switched to HOS/GSH mode, mortgage insurance is automatically waived and the maximum loan-to-value ratio is unlocked to 95%.
實用貼士方面，私樓買家要預留印花稅、律師費、經紀佣金、裝修及家俬等開支。由 2026 年 2 月 26 日起，單一住宅物業的第 1 標準第 1 部與第 2 標準從價印花稅率相同，首次置業不再另有較低從價稅率。居屋買家則要留意未補地價單位只能使用 P 按、轉售有限制，以及綠表與白表在申請資格、抽籤機會及貸款成數上的分別。若 DSR 勉強通過，代表未來利率上升時供款壓力會較大，建議選擇較保守的樓價或增加首期。
Related guide
HK Mortgage Stress Test: 70% LTV and 50% DSR
Understand the current LTV and DSR limits, valuation shortfalls and what banks still assess after the stress-test suspension.
Read the guideData status
Residential stamp-duty rates effective 2026-02-26; mortgage data checked 2026-08-09
Residential AVD bands, subsidised-housing LTV limits and mortgage-insurance framework follow government, Housing Authority and HKMCI information.
Rates, bank approval, valuation, income, term and property price are user assumptions; stress-test results are for planning only.
Excludes some bank rebates, developer incentives, renovation, management fees, rates and government rent, extra legal fees and case-specific insurance loadings.
2026-08-08: Rechecked the residential stamp-duty bands effective 26 February 2026 and current LTV limits, and adopted HKMCI's official premium table effective 16 October 2024.
References
- 1Countercyclical Macro-Prudential Measures for Property Mortgage Loans(Hong Kong Monetary Authority)
- 2Current Ad Valorem Stamp Duty Rates for Residential Property(Inland Revenue Department)
Site data last reviewed: 2026-08-09 · The sources above are for reference only; please refer to the latest official announcements from the relevant organisations.
Think a figure, rule or source needs updating? Report this pageFAQs
What is the mortgage stress test?
Do HOS / GSH flats require a stress test?
What is the maximum loan-to-value ratio for HOS Green Form and White Form applicants?
What is the current DSR cap?
Can HOS flats use H-rate mortgages?
Does the calculator result equal the bank's approval?
A useful scenario to try
Retest with interest one point higher and income 10% lower, while keeping an emergency reserve.
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Client-side only: All data is calculated on your device and is not uploaded to any server. Results are for reference only and do not constitute professional financial or legal advice.