Building, Office Building, Architecture

Mortgage Assessment & Calculators

Get a more comprehensive assessment of what you can afford based on your individual situation and relevant mortgage policies

Steps to Buying a Home

Follow these 6 steps to complete your home purchase journey

Unchecked Step 1, Find out current mortgagae policiesChecked Step 2, Check what you can affordUnchecked Step 3, Search for propertiesUnchecked Step 4, Sign Sales & Purchase AgreementUnchecked Step 5, Choose the right mortgageUnchecked Step 6, Complete the home-buying process

Step 2: Check what you can afford

Use our mortgage calculators and online valuation tool to work out a mortgage you can afford, so you can make informed budgeting decisions for your home purchase:

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Mortgage Assessment Tool

Your Situation

There are many different factors and government regulations that can affect the maximum amount you can borrow. Our Instant Assessment will help you take all these into account.

Click here to find out more about current policies affecting the property market.

STEP 1/3
* Marked fields are mandatory

Is the property intended for self use? *

Please select valid response

Are you a first time home buyer? *

Please select valid response

Are you regularly-salaried? *

Please select valid response

Does your income derive mainly in Hong Kong? *

Please select valid response

Mortgage Assessment Tool

Income and current debt

STEP 2/3
* Marked fields are mandatory

Monthly Salary(HKD) * (If you are not regularly salaried, please input average salary within 3 months)

Please select valid response

 

 

Existing Mortgage / Co-Financing Loan / Mortgage Top Up / Car Park Loan (if any)

Please select valid response

Interest Rate (% p.a.)

Value should be less than or equal to 10

Tenor(Years)

Please select valid response

Is the credit card payment fully paid every month? (if any)

Credit Card Outstanding Amount (HKD)

Please select valid response

Personal Loan Monthly Repayment (if any)

Please select valid response

Overdraft / Revolving Loan Outstanding Amount (if any)

Please select valid response

Auto Loan Monthly Repayment (if any)

Please select valid response

 

 

Interest Rate (% p.a.) *

Value should be less than or equal to 10

Tenor (Years) *

Select Tenor

Mortgage Assessment Tool

Assessment Results

STEP 3/3

  • Your maximum Affordable Mortgage Amount is for Years at the Interest rate of 2.25% p.a

  • Maximum Affordable Mortgage Amount
  • Downpayment Required
  • Affordable Property Price
  • Mortgage Affordable Monthly Repayment Amount
  • Mortgage Insurance Single Premium
  • Maximum Affordable Mortgage Amount
  • Downpayment Required
  • Affordable Property Price
  • Mortgage Affordable Monthly Repayment Amount
  • Mortgage Insurance Single PremiumN/A
  • Maximum Affordable Mortgage Amount
  • Downpayment Required
  • Affordable Property Price
  • Mortgage Affordable Monthly Repayment Amount
  • Mortgage Insurance Single Premium

Important Notice
The calculation is based on the information provided by customer and the assumptions that (i) residential property is newly purchased, (ii) mortgage loan applicant(s) (“applicants”) is/are individual(s) or shell company, and (iii) the income is payment to applicants. If the case is different from above, please contact our bank staff at 2886 8855 for details.

NOTE : According to the guidelines issued by the Hong Kong Monetary Authority (“HKMA”), the debt servicing ability of mortgage applicants should undergo a stress test. A stress test means the effect on repayment of an increase in mortgage rates of at least three percentage points. Mortgage applicants must not exceed the cap of stressed debt-to-income ratio as stipulated by HKMA. The calculator result is for information purposes only and the calculation is based on the information provided by customer. Standard Chartered Bank (Hong Kong) Limited (the “Bank”) endeavours to keep the calculator up-to-date as per the latest regulatory guidelines, however some discrepancy may be expected. The assumptions used and figures generated by this calculator are for purposes of illustration and reference only and are subject to change depending on a variety of factors, which may not have been taken into account in the computation. The calculation is not intended to constitute financial advice. You should obtain professional advice and should not rely on the calculator to make any financial or other decision. The Bank makes no warranty, express or implied, as to the accuracy, reliability and completeness of any information, formulae, or calculation provided through use of the calculator and does not accept any liability for loss or damage of whatsoever nature, which may be attributable to the reliance on and use of the calculator. You should not rely on the result of the calculation or assume the Bank would approve any mortgage application based on those terms. Any mortgage application shall be subject to the formal approval of the Bank.

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