Mortgage Calculator

HK Property Down Payment & Mortgage Stress Test Calculator

Buying property in Hong Kong is one of the heaviest financial and mental pressure points in hklifesim. Calculate down payments, stamp duties, monthly repayments, and verify whether your salary can safely pass the mortgage stress test.

Interactive Property Acquisition & Mortgage Planner

Select property category, enter your monthly income and current bank balance to calculate down payments, debt ratios, and bankruptcy risk levels.

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。

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.