Loading cashflow…
Loading cashflow…
Free tool · Hong Kong
Instantly estimate Gross Yield and Net Yield for residential properties — then track actual cashflow for free on one property.
Gross Yield is annual rental income divided by purchase price. It is a quick headline figure agents and listings often quote, but it ignores the costs of holding a flat.
Net Yield subtracts recurring ownership costs from that rent before dividing by purchase price. In Hong Kong, landlords typically budget for Mortgage Repayment, Management Fees, and Property Tax, and sometimes insurance or vacancy.
A flat can look attractive on Gross Yield and still be tight on monthly cash once Mortgage Repayment and Management Fees are paid. Use Net Yield and estimated monthly net cashflow for a more honest first screen — then track real inflows and outflows over time.
This calculator uses simple annualised rent (monthly rent × 12). It does not model Stamp Duty, Mortgage Repayment, or one-off tenancy costs.
Rates + Government Rent + Management Fee, etc. Leave blank for Gross Yield only.
Enter purchase price and monthly rent to see Gross Yield and estimated cashflow.
Gross Yield vs Net Yield for Hong Kong landlords
What the two percentages actually mean after this estimate — and when Net is the more honest first filter.
Read guide →
This Month vs the usual month
Calendar cash versus the ongoing run-rate — so one-offs do not rewrite every month.
Read →
Multi-property portfolio
One view of cash net across every flat, without a spreadsheet per building.
Read →
Cashflow categories
The Hong Kong income and expense labels that keep monthly net and yield honest.
Read →
Calendar and reminders
Due dates for Rates, Management Fees, and similar items — on a calendar, with email nudges.
Read →
It depends on district, building, and costs. Gross Yield is only a headline screen. Net Yield after costs such as Mortgage Repayment, Management Fees, and Property Tax is the more honest first filter.
Gross Yield is annual rent ÷ purchase price. Net Yield subtracts recurring ownership costs before dividing by purchase price. A flat can look fine on Gross Yield and still be tight once Management Fees and Property Tax are included.
Common recurring items include Mortgage Repayment, Management Fees, and Property Tax. Some landlords also include insurance or estimated vacancy. This calculator uses the annual expense total you enter.
No. It uses simple annualised rent (monthly rent × 12) and does not model Mortgage Repayment, Stamp Duty, or one-off tenancy costs.
The calculator is a quick estimate. Cashflow Positive tracks actual vs normalised cashflow over time for your residential properties — free for 1 property.
Already tracking properties? Log in
Estimates only · Not financial, investment or tax advice · Full disclaimer in Terms and Conditions