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.