Your rental if not stamp DON'T COUNT, if not declare in income tax return DON'T COUNT.
Any EPP (Easy Payment Plan) COUNT FULL
All credit card total limit 5% COUNT (some bank don't count)
Study Loan (some bank count, most turn blind eye)
Car loan COUNT

if the score fall below 0.6 it should be fine ...

which means what ever you need to pay, need to be below 60% of your net salary.

that is your potential exposure if you maxed out those card ... they will take your payment and spending history into consideration.

if you previously spend 10K monthly then 5% will be loaded to your DSR, regardless if you have been making full payment.