Guides
Independent HK Property Intelligence
Calculators and explainers built on official IRD and HKMA sources. No agent commissions, no bank referral fees — only the math.
Last updated · June 2026
AVD · Tax
Hong Kong Stamp Duty Calculator (2025)
Live AVD Scale 2 calculator with marginal-relief bands. Reflects the 2025 budget threshold raise to HK$4M and the Feb 2024 abolition of BSD, SSD and AVD Scale 1.
Mortgage · HKMA
HKMA LTV / DSR Stress-Test Calculator
Check your maximum loan, DSR and stress-test pass/fail under HKMA SPM MA-2: 70% LTV cap, 50% DSR, 60% at prime + 2%.
Strategy
Buy vs Rent Breakeven Simulator
Project total ownership cost — stamp duty, legal fees, mortgage, mgmt fee, Rates & Govt Rent — against equivalent rent to find your breakeven horizon.
NT · 丁屋
Village House Risk Audit
RAG-scored due-diligence checklist for NT Small Houses: ding rights, OZP zoning, right of way, UBW, slope and flood risk — before you put down a deposit.