Debt-to-Income (DTI) Ratio Calculator
Work out your debt-to-income ratio and a burden rating from monthly debt payments and income.
輸入資料
計算結果
重點速覽：DTI = monthly debt payments / monthly income x 100%. It measures repayment burden: the lower the safer. Banks often use 40-50% as a warning line. The result also shows a rating code (0 healthy <36%, 1 fair 36-43%, 2 high 44-50%, 3 excessive >50%) and remaining monthly income. WARNING: In Hong Kong, mortgage approval also applies an interest-rate stress test, so DTI alone is not the full picture.
計算公式
DTI(%) = 每月債務支出 ÷ 每月收入 × 100。
status：DTI < 36 → 0（健康）；36–43 → 1（尚可）；44–50 → 2（偏高）；> 50 → 3（過高）。
每月剩餘 = 每月收入 − 每月債務支出。
使用說明
- Enter total monthly debt repayments (mortgage, cards, loans).
- Enter total monthly income.
- View the DTI%, the rating code and remaining monthly income.
理財情境案例
月債 20,000、月入 60,000
DTI = 20,000 ÷ 60,000 × 100 = 33.3%。
33.3% < 36 → status = 0（健康）。
每月剩餘 = 60,000 − 20,000 = 40,000。
常見問題
What DTI is safe?
Generally DTI below 36% is healthy, 36-43% fair, 44-50% high, and above 50% signals heavy burden and likely loan rejection. Lenders' exact thresholds vary.
Should income be gross or net?
Banks usually use gross monthly income for DTI; some use net after MPF and tax. This calculator uses whatever figure you enter — keep the basis consistent.
Which debts should I include?
Include all regular repayments: mortgage, car loan, personal loan and credit-card minimum payments. Occasional spending without a fixed repayment need not be included, but it is safer to be conservative.
Does DTI relate to the mortgage stress test?
Yes. Besides DTI, Hong Kong mortgages apply a stress test assuming a higher rate, so the debt-servicing ratio stays within limits even if rates rise. This tool shows the basic DTI; use a mortgage calculator for the stress test.
How can I improve a high DTI?
Raise income or cut debt — clear high-interest card balances first, consolidate loans, or extend the term to lower monthly payments. Aim for DTI below 40% to improve approval odds.
相關工具
參考資料
內容審核：香港計算器科學團隊。DTI 公式與評級區間驗證。