DBS Hong Kong | Consumer Banking | Loans | Home Advice

	DBS Group \| dbs.com

	Consumer Banking \| Enterprise Banking \| Private Banking	Forms \| Rates/Fees \| Branch \| Contact Us \| Site Map \| 中文

DBS Hong Kong > Consumer Banking > Loans > Home Advice > Property Decision Calculators

Consumer Banking

Market Update

Property Decision Calculators

Affordability

Mortgage Repayment

Property Investment [ New ]

At what property price does your property investment generate profit for you?
Below tool can help you make a decision.

Property Purchase Price (HKD)

Average Value HK$ per square foot (gross)

Flat Area (square foot)

Loan Amount (HKD)

Mortgage Rate per annum (%)

Tenor (Yrs)

Solicitor Fee¹ (Buy & Sell)

Property Holding Cost² per annum
(such as Management fee, Maintenance,
Fire insurance, etc.)

e.g. $1.5 x Flat Area + Maintenance Cost + Fire Insurance Cost

Monthly Rental Income

Average Rental HK$ per square foot (gross)

Flat Area (square foot)

Holding Period (Mths)

Leasing Cost³

Remarks:
1.	The Solicitor Fee is only an estimate on the aggregate of legal fees and disbursements chargeable on an ordinary purchase and subsequent ordinary sale of the Property, based on the data you have input. Such estimate is provided for your reference only. The actual Solicitor Fee can always differ from such estimate, depending on various factors including but without limitation to the respective time of such purchase and sale of the Property, the handling law firm profile and its then fee scale and policy.
2.	Please input the estimated amount of the total costs of your holding the Property on an annual basis (e.g. management fees, maintenance fees, fire insurance premium of the Property etc.).
3.	The Leasing Cost is only an estimate of the aggregate of stamp duty and estate agent commission on the Property owner granting a lease of the Property of lease term identical to the Holding Period, based on the data you have input. Such estimate is provided for your reference only. The actual leasing cost of the Property can always differ from such estimate, especially if the Property leasing involves costs and expenses additional to stamp duty and estate agent commission.
4.	The Solicitor Fee and the Leasing Cost are not and should not be considered as or relied upon as any advice on property investment. Our Bank makes no representation or warranty of whatsoever nature with respect to the Solicitor Fee and/or the Leasing Cost (and in particular no representation or warranty is made on the accuracy or timeliness of those estimates and/or that the factors taken into account in making those estimates are adequate or complete). Our Bank shall not assume any responsibility or liability on those estimates.

Our Products

HIBOR Mortgage Plan

95% Mortgage Plan

Mortgage 1-2-3

Useful Tools

Property Decision Calculators

Affordability

Mortgage Repayment

Property Investment [ New ]

Property Investment Return Analysis Report

Customer Input Information
Property Purchase Price (HKD)
Holding Period (Mths)
Total Rental Income
Down Payment (Include opportunity cost of earning 0.5%* Savings Interest)

*For result other than 0.5% opportunity cost of earning,

Cost Information

Purchase Cost¹

Property Holding Cost²

Selling Cost³

Leasing Cost⁴

Total Holiding Period Cost

Breakeven Point (Point where selling the property can start generating profit)
Appreciated price of Property⁵
% Increase in price of Property required to attain the Appreciated Price of the Property (Intersection point in graph)

#The graph will not accommodate scenario if the breakeven point stood beyond 15% increase of property price.

Appreciated Price of Property	% Increase in Price of Property	Holding Period Return	Return on Investment (ROI))
	5.0%
	10.0%
	15.0%
	20.0%
	25.0%
	30.0%
	35.0%
	40.0%
	45.0%
	50.0%

For consultation on report details,

Remarks:
1.	Purchase Cost is an estimate of the aggregate of the purchaser's stamp duty, estate agent commission, and Hong Kong Mortgage Corporation's Mortgage Insurance Programme (MIP) premium chargeable on the purchase of the Property, solicitor fee (buy & sell) based on the data you have input.
2.	Property Holding Cost is an estimate of the aggregate Property Holding Costs for the entire Holding Period, such as mortgage payment, property tax, management fee, maintenance cost, fire insurance, rates, government rent.
3.	Selling Cost is an estimate of the aggregate of the seller's stamp duty, estate agent commission and mortgage loan prepayment penalty (if any) of the sale of the Property the completion of which takes place on or before the end of the Holding Period (the "Sale"), based on the data you have input.
4.	Leasing Cost is an estimate of the aggregate of stamp duty and estate agent commission on the Property owner granting a lease of the Property of lease term identical to the Holding Period (the "Lease"), based on the data you have input.
5.	The Appreciated price of the Property is an estimated minimum sale price for your Sale of the Property to make you breakeven by reference exclusively and solely to the Customer Input Information and the Cost Information in the Property Investment Return Analysis Report (and nothing else). This is only an estimate and provided for your reference only.
6.	Cash Inflow is an estimate of the aggregate of the Rental Income under the Lease and the sale proceeds that you may receive under the Sale after repayment of your secured indebtedness under the mortgage over the Property.
7.	Cash Outflow is an estimate of the aggregate of the Property Purchase Cost, the Holding Cost, the Selling Cost and the Leasing Cost.
8.	In this analysis, the MIP premium will be added to the loan amount if the lending ratio exceeds 70%.
9.	This analysis assumes the mortgage penalty at the time of property selling as 3% of outstanding loan amount for the first year, 2% for the second year and 1% for the third year.

The Property Investment Return Analysis Report (the "Report") is provided for your reference only. The Report (in particular the Appreciated price of the Property) is not and should not be considered as or relied upon as any advice on property investment and/or disposal. Our Bank makes no representation or warranty of whatsoever nature with respect to all or any content of the Report (and in particular no representation or warranty is made on the accuracy, timeliness and/or completeness of the Report (including the Appreciated price of the Property) and/or that the factors taken into account in making any estimate in the Report (and in particular the Appreciated price of the Property) are adequate or complete). Our Bank shall not assume any responsibility and/or liability of whatsoever nature for and/or in respect of the Report (including the Appreciated price of the Property). You should consider carefully your own financial position and objectives and the property details before making any property investment and/or disposal. You should consult your own professional advisor(s) if necessary.

Our Products

HIBOR Mortgage Plan

95% Mortgage Plan

Mortgage 1-2-3

Useful Tools

Additional Information

More products

Quick Links

Next Step