Hong Kong Mortgage Affordability & All-in Cost Calculator

01

Basic figures

Start with the figures that shape the result most.

Property price (HK$)Use the agreed price, then separately allow for any valuation shortfall.Loan-to-value ratio (%)The share of the price financed by the loan.Mortgage rate (% p.a.)Enter the rate used for your base scenario.

Optional H-plan / P-plan rate builderUses only figures entered by you

Rate input modeReference rate (%)Spread, may be negative (pp)Rate cap, 0 means none (%)

This is not a live bank quote. The effective planning rate is the lower of reference rate plus spread and the entered cap.

02

Your situation

Add the cash-flow or household details that change the decision.

Repayment term (years)A longer term lowers payments but increases total interest.Gross monthly household income (HK$)Use stable gross income that can be supported by documents.

Break down existing monthly debtsOptional · improves the affordability estimate

Personal loans (HK$ / month)Vehicle finance (HK$ / month)Other debt repayments (HK$ / month)

Add recurring ownership costsEditable assumptions for an all-in view

Management fee (HK$ / month)Rates and government rent (HK$ / month)Home insurance (HK$ / month)Maintenance reserve (HK$ / month)

03

Assumptions and confirmation

Review the assumptions before creating the report.

Planning rate-rise scenario (percentage points)A Curatevia sensitivity test—not the former regulatory stress test, which HKMA suspended in February 2024.

Plan the cash needed to completeOfficial stamp duty + editable assumptions

Agency commission assumption (%)Legal-fee assumption (HK$)Valuation shortfall (HK$)Mortgage-insurance premium estimate (HK$)Renovation and move-in reserve (HK$)Cash available for purchase (HK$)Housing-cost reserve (months)

Commission, legal fees, valuation shortfall, insurance and renovation are your editable estimates—not official quotations.

Test a partial prepaymentKeep the same monthly payment and estimate time saved

One-off prepayment (HK$)Pay after year

This excludes bank penalties and assumes the normal monthly payment stays unchanged.

Bank approval is separate

The report cannot include bank-specific valuation, cash rebates, approval rules or early-repayment penalties. Confirm them before acting.

Hong Kong Mortgage Affordability & All-in Cost Calculator

Basic figures

Your situation

Assumptions and confirmation

Plan with scenarios, then verify

Official sources and review date