NestHK · Agent Zone
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.
Price
Since 2024-10-16 the HKMA unified all residential LTV caps at 70% and DSR at 50%. Mortgage insurance can let eligible buyers borrow up to 90%.
Result
ℹ Stress test suspended — The +2% stress test has been suspended since 2024-02-28; DSR 50% is now the main approval criterion.
Final approval is by the bank / mortgage insurer; this does not cover credit history, low valuation or other individual factors.
About this tool
NestHK
NestHK editorial team — data analysts and on-the-ground Hong Kong renting & buying researchers turning open government data and public transaction records into actionable neighbourhood advice.
Basis of calculation
- HK Inland Revenue Department — residential Ad Valorem Stamp Duty (AVD) bands
- HKMA mortgage guidance (70% LTV cap / 50% DSR)
- Rating and Valuation Department — price & rent statistics
- Census and Statistics Department — household income & housing
- Hong Kong Open Data Portal DATA.GOV.HK
FAQ
- How much can I borrow for a mortgage?
- Bank cap is 70% LTV; first-timers with fixed income can reach 90% via MIP.
- What is DSR?
- Debt servicing ratio, capped at 50% of income.
- Is the stress test still applied?
- Suspended since 2024-02-28; DSR 50% is now the main test.
- After LTV was unified at 70%, how much down payment do I need?
- At 70% LTV, a HK$10M home needs about HK$3M down; first-timers with fixed income can borrow up to 90% via MIP, cutting the down payment to about HK$1M. This tool works out your minimum down payment and borrowing limit from your inputs.
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This tool is for decision reference only. All calculations are based on the assumptions you enter and do not constitute investment, legal or tax advice. Figures are shown in their original currency, without inflation or personal tax adjustments. Data provided by NestHK — see more housing-decision tools in the free tools.