Mortgage Online Instant Assessment

Use this Instant Assessment to get a more detailed estimate of the maximum mortgage amount you can borrow and your affordable property price based on your individual situation, to help you make informed budgeting decisions!

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.

Property intended for self-use?
First time Home Buyer?
Regular Salaried?
Main income source from Hong Kong?

Your Income and Debt

Monthly Income:
Other Debt(s):  
Existing Mortgage / Co-financing Loan / Mortgage Top Up Loan / Car Park Loan:
Auto Loan Monthly Repayment:
Personal Loan Monthly Repayment:
Credit Card Outstanding Amount:
Overdraft / Revolving Loan Outstanding Amount:
Your New Mortgage
Interest Rate (%p.a.) 0% 10%  
Tenor (years) years



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.

Important Notes
All information and services regarding Mortgage Insurance Programme’s New Coverage (effective from 16 October 2019) will be updated in due course.