Mortgage Calculator

HK Property Down Payment & Mortgage Game Calculator

Choose a property, salary, savings and term for this game scenario. Payments use a fixed 3.875% annual interest rate; stamp duty, other fees and rate-rise stress tests are not included.

Play the demo Read the player guide

Interactive Property Acquisition & Mortgage Planner

物業類型 (Property Type)

現有存款 (Bank Savings)

當前月薪 (Monthly Salary)

按揭年期 (Mortgage Tenure)

所需首期 (Down Payment) HK$ 320,000

預計每月供款 HK$ 12,800 / 月

供款佔月薪比率 (DSR) 36.6% (安全)

置業財務安全：付清首期後仍留有約 48 萬港元應急資金，月供佔工資 36.6%（低於 50% 警戒線），角色可穩健供樓且壓力負擔處於健康區間。

Turn this result into a run

Open the current browser demo and test the same decision from age six to 25. The calculator is a planning aid; the game is where the consequences apply.

Play the demo now Open the player guide

Hong Kong Housing Mechanics & Solvency Strategies

HOS (Subsidized Housing) vs. Starter Private vs. Urban Flats

Home Ownership Scheme (HOS/居屋) units feature subsidized price points (HK$3.2M baseline) with down payment requirements as low as 5% to 10%, offering the most realistic stepping stone for working-class characters. Private housing starter units (HK$5.0M) require higher capital reserves (10% to 20% down payment) but generate prestige ('Face') bonuses and unlock superior family approval events. Prime urban units (HK$7.8M+) demand elite executive income and substantial cash buffers.

The Mortgage Stress Test: Debt Servicing Limits

The simulation enforces Hong Kong mortgage stress testing rules: monthly mortgage obligations should not exceed 50% of your verifiable regular monthly salary under base rates, nor exceed 60% under assumed rate hike scenarios. If your debt ratio crosses 50%, your character incurs continuous monthly stress accretion and risks loan rejection or insolvency when emergency medical or family events occur.

The Renting vs. Buying Dilemma: Preserving Liquidity

Buying property provides stability and shields against landlord rent hikes, but completely drains liquid bank balances. If your bank account falls below 6 months of essential living expenses (HK$60,000–$100,000 buffer), an unexpected unemployment event or health crisis will trigger bankruptcy. Renting keeps monthly outlays flexible, allowing early liquidity to compound in equities or emigration funds.

Property Types & Financial Benchmark Reference

Housing Tier	Typical Price	Min Down Payment	Est. Monthly Mortgage	Min Monthly Salary Req.
Subsidized Housing (HOS / 居屋)	HK$ 3,200,000	HK$ 320,000 (10%)	HK$ 12,800 / mo	HK$ 26,000 / mo
New Territories Starter Private	HK$ 5,000,000	HK$ 500,000 (10%)	HK$ 20,200 / mo	HK$ 41,000 / mo
Kowloon / Island Mid-tier Private	HK$ 7,800,000	HK$ 1,170,000 (15%)	HK$ 29,800 / mo	HK$ 62,000 / mo
Prime Luxury Family Residence	HK$ 12,500,000	HK$ 2,500,000 (20%)	HK$ 45,000 / mo	HK$ 95,000 / mo

常見問題解答 (FAQ)

How much cash buffer should I retain after paying the down payment?

Always retain at least 6 months of mortgage payments plus basic living costs (roughly HK$80,000 to HK$120,000) to absorb random medical or job-loss events.

Does renting harm my character's endgame evaluation?

No. Renting preserves cash liquidity for higher-yield investments or emigration routes. Buying is only mandatory if targeting specific high-prestige family legacy endings.

What happens if mortgage payments exceed 60% of monthly income?

Your character enters high financial distress: stress increases by 15-25% each turn, happiness degrades, and relationship disputes with partners escalate.