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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.

Monthly income

Result

30% income rule capHK$12,000
36% debt rule cap (after other debt)HK$14,400
Suggested rent ceilingHK$12,000
Suggested annual rentHK$144,000
Share of income30.0%

30% rule: rent should not exceed 30% of income. 36% rule: total debt including housing should not exceed 36% of income. We take the lower of the two. Standards vary by region; for reference only.

About this tool

N

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

What rent-to-income ratio is healthy?
The common 30% rule; total debt including housing should stay under 36% of income.
Does this apply in Hong Kong?
It is a general guideline for reference, not a legal cap.
Does it include utilities?
It shows the rent ceiling only, not water, power or internet.

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.

HK Rent Affordability Calculator · NestHK