Steps to Buying a Home

Follow these 6 steps to complete your home purchase journey

Step 2: Check what you can afford

Use our useful online tools to work out a mortgage you can afford, so you can make informed budgeting decisions for your home purchase:

Online Instant Assessment

Get a more comprehensive assessment of the maximum mortgage amount you can borrow and your affordable property price, taking also into account the latest mortgage policies you may be subjected to (including stress test).


Simple Mortgage Calculators

Get a quick estimate on roughly how much you can borrow and your monthly repayment amount in just a few clicks, to help with your budget planning.

1. How much can I borrow?

Total Monthly Income (HKD):
Interest Rate: %
Loan Tenor (Years):
Maximum Affordable Mortgage Amount (HKD):
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2. How much will my monthly repayment amount be?

Loan Amount (HKD):
Interest Rate: %
Loan Tenor (Years):
Monthly Repayment (HKD):
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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

Get online property valuation

Use our valuation tool to help estimate the property's market value, for free.

To borrow or not to borrow? Borrow only if you can repay!


Up to 90% Mortgage Plan Free Preliminary Assessment

Before buying your property, get a free pre-assessment of the loan amount available to you, so you know what you can afford.

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