NestHK
Free Housing Decision Tools｜19 HK Calculators
Free Hong Kong housing-decision tools: buy vs rent, mortgage payment, rent affordability, down-payment savings, listing copy and moving checklist — plus an Agent Zone with stamp duty, total buying cost, mortgage capacity and rental yield.
Hong Kong Buy vs Rent Calculator
Enter the home price, down payment, rate and rent to see whether buying or renting wins over N years — plus the break-even home appreciation rate.
→Free HK Mortgage Calculator & H-plan vs P-plan Comparison
Enter the home price, down payment, rate and term to get the monthly payment, total interest and total cost — with equal-installment and equal-principal methods. Compare how H-plan and P-plan rates change your payment.
→HK Home-Buying Stamp Duty Calculator (AVD) | 2026 Bands
Enter the price and property type to instantly get the ad valorem stamp duty, the band and the effective rate — including the 6.5% super-luxury tier for deals over HK$100M effective 2026-02-26.
→HK Rent Affordability Calculator
Enter your monthly income and other debts to find the maximum rent you can afford using the 30% and 36% rules.
→Down Payment Savings Timeline (HK)
Enter your target down payment, current savings and monthly contribution to see how long until you can buy — with savings interest included.
→Listing Title & Description Generator
Enter the layout, district, size and highlights to generate catchy rent/sale titles and descriptions in one click.
→Rental & Moving Checklist Generator
Pick a scenario (moving, pre-signing check, move-in inspection) and family conditions to generate a personalized tickable checklist.
→Hong Kong Moving Cost Estimator
Enter move type, distance, number of large items and floors to quickly estimate how much a move costs and how the spending breaks down.
→Roommate Rent Split Calculator
Enter total rent and each room's size and features; split fairly by 50% area + 50% amenities weighting.
→Property Viewing Checklist Generator
Choose unit type and concerns to generate a printable checklist to bring on every viewing.
→Commute Time & Cost Calculator (HK)
Enter one-way minutes, fare and work days per week to see monthly/annual commute hours and spending.
→What is your flat worth?
Free valuation plus a living-value dashboard updated weekly. Enter your estate to see a value range, 24-month trend and recent sales — we email you every week: what your flat is worth now.
→Your first 90 days in Hong Kong
A checklist tailored to your status: rent, utilities, bank, SIM, school, healthcare — step by step. For Top Talent, QMAS, ASMTP, dependant, student, digital nomad and expat.
→🏢 Agent Tools Zone
Tools built for Hong Kong property agents: stamp duty, total buying cost, mortgage capacity, rental yield, PSF compare, commission split, multi-platform listing copy.
Total Buying Cost Calculator: Cash Needed to Close
Price + stamp duty + agent commission (adjustable for both sides) + legal fees + incidentals — see at a glance how much cash your client really needs to buy.
→Free HK Mortgage Loan & Affordability Calculator
Price + first-time / fixed-income + monthly income + other debt, to get the max loan-to-value (bank 70% or higher via MIP), max loan, min down payment and whether your DSR passes.
→Rental Yield Calculator | Gross & Net
Price + monthly rent + vacancy + management fee + annual fixed costs, to get gross yield, net yield and payback years — compare listings at a glance.
→Saleable vs Gross PSF | Efficiency Rate
Enter the price, saleable area and gross area to compare saleable PSF and gross PSF, and reveal the efficiency rate and how much you pay for non-saleable space.
→Agent Commission Split | Co-broke
Price + total commission + both sides’ split + agency cut, to work out exactly how much you, the other agent and each agency take home in a co-broke deal.
→Agent Listing Copy Generator (28Hse & More)
Enter listing data and selling points to generate multi-platform titles and copy for 28Hse / Centaline / Midland / Xiaohongshu (mainland-newcomer audience), with optional ROI investment angles.
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