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Mortgage & Stamp Duty Calculator
MORTGAGE & STAMP DUTY CALCULATOR
Property Price HKD
Loan Ratio %
Interest Ratio %
Loan Period Year(s)


Stamp Duties

(Scale 2) Ad Valorem Stamp Duty
(For First –time and Change* of Residential Property Buyer)

(New) Ad Valorem Stamp Duty
Applicable to all residential property (except that acquired by a Hong Kong Permanent Resident who does not own any other residential property in Hong Kong at the time of acquisition) either by an individual or a company.
(Scale 1) Ad Valorem Stamp Duty
Applicable to all non-residential property, either by an individual or a company.
BSD Buyer Stamp Duty
Applicable to all residential property acquired by any person (including a company incorporated) except a Hong Kong Permanent Resident
SSD Special Stamp Duty
if SSD is paid by vendor, please ignore this option


Remarks: *Change of Residential Property Case: A Hong Kong Permanent Resident may seek a refund of the stamp duty paid in excess of that computed under the old rates upon proof that his only other residential property has been disposed of within six months from the date of agreement to acquire a new residential property.
Reminder: The calculation is for reference only and subject to the latest announcement of Inland Revenue Department.
For details, please contact our Mortgage Consultant.
ESTIMATED INITIAL BUDGET
Down PaymentHK$ 2,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,993,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,920,000
 
Monthly Repayment (HKD)
$18,886
Loan Amount (HKD)
$4,380,000
+
Total Interest (HKD)
$1,285,901
=
Total Repayment (HKD)
$5,665,901
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $18,886 $7,848 $11,039 $4,368,961
1 2 $18,886 $7,828 $11,059 $4,357,903
1 3 $18,886 $7,808 $11,078 $4,346,824
1 4 $18,886 $7,788 $11,098 $4,335,726
1 5 $18,886 $7,768 $11,118 $4,324,608
1 6 $18,886 $7,748 $11,138 $4,313,470
1 7 $18,886 $7,728 $11,158 $4,302,312
1 8 $18,886 $7,708 $11,178 $4,291,134
1 9 $18,886 $7,688 $11,198 $4,279,935
1 10 $18,886 $7,668 $11,218 $4,268,717
1 11 $18,886 $7,648 $11,238 $4,257,479
1 12 $18,886 $7,628 $11,258 $4,246,221
2 13 $18,886 $7,608 $11,279 $4,234,942
2 14 $18,886 $7,588 $11,299 $4,223,644
2 15 $18,886 $7,567 $11,319 $4,212,325
2 16 $18,886 $7,547 $11,339 $4,200,985
2 17 $18,886 $7,527 $11,360 $4,189,626
2 18 $18,886 $7,506 $11,380 $4,178,246
2 19 $18,886 $7,486 $11,400 $4,166,845
2 20 $18,886 $7,466 $11,421 $4,155,425
2 21 $18,886 $7,445 $11,441 $4,143,984
2 22 $18,886 $7,425 $11,462 $4,132,522
2 23 $18,886 $7,404 $11,482 $4,121,040
2 24 $18,886 $7,384 $11,503 $4,109,537
3 25 $18,886 $7,363 $11,523 $4,098,013
3 26 $18,886 $7,342 $11,544 $4,086,469
3 27 $18,886 $7,322 $11,565 $4,074,905
3 28 $18,886 $7,301 $11,585 $4,063,319
3 29 $18,886 $7,280 $11,606 $4,051,713
3 30 $18,886 $7,259 $11,627 $4,040,086
3 31 $18,886 $7,238 $11,648 $4,028,438
3 32 $18,886 $7,218 $11,669 $4,016,769
3 33 $18,886 $7,197 $11,690 $4,005,080
3 34 $18,886 $7,176 $11,711 $3,993,369
3 35 $18,886 $7,155 $11,732 $3,981,638
3 36 $18,886 $7,134 $11,753 $3,969,885
4 37 $18,886 $7,113 $11,774 $3,958,111
4 38 $18,886 $7,092 $11,795 $3,946,317
4 39 $18,886 $7,070 $11,816 $3,934,501
4 40 $18,886 $7,049 $11,837 $3,922,664
4 41 $18,886 $7,028 $11,858 $3,910,806
4 42 $18,886 $7,007 $11,879 $3,898,926
4 43 $18,886 $6,986 $11,901 $3,887,025
4 44 $18,886 $6,964 $11,922 $3,875,103
4 45 $18,886 $6,943 $11,943 $3,863,160
4 46 $18,886 $6,921 $11,965 $3,851,195
4 47 $18,886 $6,900 $11,986 $3,839,209
4 48 $18,886 $6,879 $12,008 $3,827,201
5 49 $18,886 $6,857 $12,029 $3,815,172
5 50 $18,886 $6,836 $12,051 $3,803,121
5 51 $18,886 $6,814 $12,072 $3,791,048
5 52 $18,886 $6,792 $12,094 $3,778,954
5 53 $18,886 $6,771 $12,116 $3,766,839
5 54 $18,886 $6,749 $12,137 $3,754,701
5 55 $18,886 $6,727 $12,159 $3,742,542
5 56 $18,886 $6,705 $12,181 $3,730,361
5 57 $18,886 $6,684 $12,203 $3,718,158
5 58 $18,886 $6,662 $12,225 $3,705,934
5 59 $18,886 $6,640 $12,247 $3,693,687
5 60 $18,886 $6,618 $12,268 $3,681,419
6 61 $18,886 $6,596 $12,290 $3,669,128
6 62 $18,886 $6,574 $12,312 $3,656,816
6 63 $18,886 $6,552 $12,335 $3,644,481
6 64 $18,886 $6,530 $12,357 $3,632,125
6 65 $18,886 $6,508 $12,379 $3,619,746
6 66 $18,886 $6,485 $12,401 $3,607,345
6 67 $18,886 $6,463 $12,423 $3,594,922
6 68 $18,886 $6,441 $12,445 $3,582,476
6 69 $18,886 $6,419 $12,468 $3,570,008
6 70 $18,886 $6,396 $12,490 $3,557,518
6 71 $18,886 $6,374 $12,512 $3,545,006
6 72 $18,886 $6,351 $12,535 $3,532,471
7 73 $18,886 $6,329 $12,557 $3,519,914
7 74 $18,886 $6,307 $12,580 $3,507,334
7 75 $18,886 $6,284 $12,602 $3,494,732
7 76 $18,886 $6,261 $12,625 $3,482,107
7 77 $18,886 $6,239 $12,648 $3,469,459
7 78 $18,886 $6,216 $12,670 $3,456,789
7 79 $18,886 $6,193 $12,693 $3,444,096
7 80 $18,886 $6,171 $12,716 $3,431,380
7 81 $18,886 $6,148 $12,738 $3,418,642
7 82 $18,886 $6,125 $12,761 $3,405,881
7 83 $18,886 $6,102 $12,784 $3,393,096
7 84 $18,886 $6,079 $12,807 $3,380,289
8 85 $18,886 $6,056 $12,830 $3,367,459
8 86 $18,886 $6,033 $12,853 $3,354,606
8 87 $18,886 $6,010 $12,876 $3,341,730
8 88 $18,886 $5,987 $12,899 $3,328,831
8 89 $18,886 $5,964 $12,922 $3,315,909
8 90 $18,886 $5,941 $12,945 $3,302,964
8 91 $18,886 $5,918 $12,969 $3,289,995
8 92 $18,886 $5,895 $12,992 $3,277,004
8 93 $18,886 $5,871 $13,015 $3,263,988
8 94 $18,886 $5,848 $13,038 $3,250,950
8 95 $18,886 $5,825 $13,062 $3,237,888
8 96 $18,886 $5,801 $13,085 $3,224,803
9 97 $18,886 $5,778 $13,109 $3,211,695
9 98 $18,886 $5,754 $13,132 $3,198,563
9 99 $18,886 $5,731 $13,156 $3,185,407
9 100 $18,886 $5,707 $13,179 $3,172,228
9 101 $18,886 $5,684 $13,203 $3,159,025
9 102 $18,886 $5,660 $13,226 $3,145,799
9 103 $18,886 $5,636 $13,250 $3,132,549
9 104 $18,886 $5,612 $13,274 $3,119,275
9 105 $18,886 $5,589 $13,298 $3,105,977
9 106 $18,886 $5,565 $13,321 $3,092,656
9 107 $18,886 $5,541 $13,345 $3,079,310
9 108 $18,886 $5,517 $13,369 $3,065,941
10 109 $18,886 $5,493 $13,393 $3,052,548
10 110 $18,886 $5,469 $13,417 $3,039,131
10 111 $18,886 $5,445 $13,441 $3,025,690
10 112 $18,886 $5,421 $13,465 $3,012,224
10 113 $18,886 $5,397 $13,489 $2,998,735
10 114 $18,886 $5,373 $13,514 $2,985,221
10 115 $18,886 $5,349 $13,538 $2,971,683
10 116 $18,886 $5,324 $13,562 $2,958,121
10 117 $18,886 $5,300 $13,586 $2,944,535
10 118 $18,886 $5,276 $13,611 $2,930,924
10 119 $18,886 $5,251 $13,635 $2,917,289
10 120 $18,886 $5,227 $13,660 $2,903,630
11 121 $18,886 $5,202 $13,684 $2,889,946
11 122 $18,886 $5,178 $13,709 $2,876,237
11 123 $18,886 $5,153 $13,733 $2,862,504
11 124 $18,886 $5,129 $13,758 $2,848,746
11 125 $18,886 $5,104 $13,782 $2,834,964
11 126 $18,886 $5,079 $13,807 $2,821,157
11 127 $18,886 $5,055 $13,832 $2,807,325
11 128 $18,886 $5,030 $13,857 $2,793,469
11 129 $18,886 $5,005 $13,881 $2,779,587
11 130 $18,886 $4,980 $13,906 $2,765,681
11 131 $18,886 $4,955 $13,931 $2,751,750
11 132 $18,886 $4,930 $13,956 $2,737,794
12 133 $18,886 $4,905 $13,981 $2,723,813
12 134 $18,886 $4,880 $14,006 $2,709,806
12 135 $18,886 $4,855 $14,031 $2,695,775
12 136 $18,886 $4,830 $14,056 $2,681,719
12 137 $18,886 $4,805 $14,082 $2,667,637
12 138 $18,886 $4,780 $14,107 $2,653,530
12 139 $18,886 $4,754 $14,132 $2,639,398
12 140 $18,886 $4,729 $14,157 $2,625,241
12 141 $18,886 $4,704 $14,183 $2,611,058
12 142 $18,886 $4,678 $14,208 $2,596,850
12 143 $18,886 $4,653 $14,234 $2,582,616
12 144 $18,886 $4,627 $14,259 $2,568,357
13 145 $18,886 $4,602 $14,285 $2,554,072
13 146 $18,886 $4,576 $14,310 $2,539,762
13 147 $18,886 $4,550 $14,336 $2,525,426
13 148 $18,886 $4,525 $14,362 $2,511,065
13 149 $18,886 $4,499 $14,387 $2,496,677
13 150 $18,886 $4,473 $14,413 $2,482,264
13 151 $18,886 $4,447 $14,439 $2,467,825
13 152 $18,886 $4,422 $14,465 $2,453,360
13 153 $18,886 $4,396 $14,491 $2,438,870
13 154 $18,886 $4,370 $14,517 $2,424,353
13 155 $18,886 $4,344 $14,543 $2,409,810
13 156 $18,886 $4,318 $14,569 $2,395,241
14 157 $18,886 $4,291 $14,595 $2,380,647
14 158 $18,886 $4,265 $14,621 $2,366,026
14 159 $18,886 $4,239 $14,647 $2,351,378
14 160 $18,886 $4,213 $14,673 $2,336,705
14 161 $18,886 $4,187 $14,700 $2,322,005
14 162 $18,886 $4,160 $14,726 $2,307,279
14 163 $18,886 $4,134 $14,752 $2,292,527
14 164 $18,886 $4,107 $14,779 $2,277,748
14 165 $18,886 $4,081 $14,805 $2,262,942
14 166 $18,886 $4,054 $14,832 $2,248,110
14 167 $18,886 $4,028 $14,858 $2,233,252
14 168 $18,886 $4,001 $14,885 $2,218,367
15 169 $18,886 $3,975 $14,912 $2,203,455
15 170 $18,886 $3,948 $14,938 $2,188,517
15 171 $18,886 $3,921 $14,965 $2,173,551
15 172 $18,886 $3,894 $14,992 $2,158,559
15 173 $18,886 $3,867 $15,019 $2,143,540
15 174 $18,886 $3,841 $15,046 $2,128,495
15 175 $18,886 $3,814 $15,073 $2,113,422
15 176 $18,886 $3,787 $15,100 $2,098,322
15 177 $18,886 $3,759 $15,127 $2,083,195
15 178 $18,886 $3,732 $15,154 $2,068,041
15 179 $18,886 $3,705 $15,181 $2,052,860
15 180 $18,886 $3,678 $15,208 $2,037,652
16 181 $18,886 $3,651 $15,236 $2,022,416
16 182 $18,886 $3,623 $15,263 $2,007,153
16 183 $18,886 $3,596 $15,290 $1,991,863
16 184 $18,886 $3,569 $15,318 $1,976,546
16 185 $18,886 $3,541 $15,345 $1,961,201
16 186 $18,886 $3,514 $15,373 $1,945,828
16 187 $18,886 $3,486 $15,400 $1,930,428
16 188 $18,886 $3,459 $15,428 $1,915,000
16 189 $18,886 $3,431 $15,455 $1,899,545
16 190 $18,886 $3,403 $15,483 $1,884,062
16 191 $18,886 $3,376 $15,511 $1,868,551
16 192 $18,886 $3,348 $15,539 $1,853,013
17 193 $18,886 $3,320 $15,566 $1,837,447
17 194 $18,886 $3,292 $15,594 $1,821,852
17 195 $18,886 $3,264 $15,622 $1,806,230
17 196 $18,886 $3,236 $15,650 $1,790,580
17 197 $18,886 $3,208 $15,678 $1,774,902
17 198 $18,886 $3,180 $15,706 $1,759,195
17 199 $18,886 $3,152 $15,734 $1,743,461
17 200 $18,886 $3,124 $15,763 $1,727,698
17 201 $18,886 $3,095 $15,791 $1,711,907
17 202 $18,886 $3,067 $15,819 $1,696,088
17 203 $18,886 $3,039 $15,848 $1,680,241
17 204 $18,886 $3,010 $15,876 $1,664,365
18 205 $18,886 $2,982 $15,904 $1,648,461
18 206 $18,886 $2,953 $15,933 $1,632,528
18 207 $18,886 $2,925 $15,961 $1,616,566
18 208 $18,886 $2,896 $15,990 $1,600,576
18 209 $18,886 $2,868 $16,019 $1,584,558
18 210 $18,886 $2,839 $16,047 $1,568,510
18 211 $18,886 $2,810 $16,076 $1,552,434
18 212 $18,886 $2,781 $16,105 $1,536,329
18 213 $18,886 $2,753 $16,134 $1,520,196
18 214 $18,886 $2,724 $16,163 $1,504,033
18 215 $18,886 $2,695 $16,192 $1,487,841
18 216 $18,886 $2,666 $16,221 $1,471,621
19 217 $18,886 $2,637 $16,250 $1,455,371
19 218 $18,886 $2,608 $16,279 $1,439,092
19 219 $18,886 $2,578 $16,308 $1,422,784
19 220 $18,886 $2,549 $16,337 $1,406,447
19 221 $18,886 $2,520 $16,366 $1,390,081
19 222 $18,886 $2,491 $16,396 $1,373,685
19 223 $18,886 $2,461 $16,425 $1,357,260
19 224 $18,886 $2,432 $16,455 $1,340,805
19 225 $18,886 $2,402 $16,484 $1,324,321
19 226 $18,886 $2,373 $16,514 $1,307,807
19 227 $18,886 $2,343 $16,543 $1,291,264
19 228 $18,886 $2,314 $16,573 $1,274,691
20 229 $18,886 $2,284 $16,603 $1,258,089
20 230 $18,886 $2,254 $16,632 $1,241,457
20 231 $18,886 $2,224 $16,662 $1,224,795
20 232 $18,886 $2,194 $16,692 $1,208,103
20 233 $18,886 $2,165 $16,722 $1,191,381
20 234 $18,886 $2,135 $16,752 $1,174,629
20 235 $18,886 $2,105 $16,782 $1,157,847
20 236 $18,886 $2,074 $16,812 $1,141,035
20 237 $18,886 $2,044 $16,842 $1,124,193
20 238 $18,886 $2,014 $16,872 $1,107,321
20 239 $18,886 $1,984 $16,902 $1,090,419
20 240 $18,886 $1,954 $16,933 $1,073,486
21 241 $18,886 $1,923 $16,963 $1,056,523
21 242 $18,886 $1,893 $16,993 $1,039,530
21 243 $18,886 $1,862 $17,024 $1,022,506
21 244 $18,886 $1,832 $17,054 $1,005,452
21 245 $18,886 $1,801 $17,085 $988,367
21 246 $18,886 $1,771 $17,116 $971,251
21 247 $18,886 $1,740 $17,146 $954,105
21 248 $18,886 $1,709 $17,177 $936,928
21 249 $18,886 $1,679 $17,208 $919,721
21 250 $18,886 $1,648 $17,239 $902,482
21 251 $18,886 $1,617 $17,269 $885,213
21 252 $18,886 $1,586 $17,300 $867,912
22 253 $18,886 $1,555 $17,331 $850,581
22 254 $18,886 $1,524 $17,362 $833,219
22 255 $18,886 $1,493 $17,393 $815,825
22 256 $18,886 $1,462 $17,425 $798,400
22 257 $18,886 $1,430 $17,456 $780,945
22 258 $18,886 $1,399 $17,487 $763,457
22 259 $18,886 $1,368 $17,518 $745,939
22 260 $18,886 $1,336 $17,550 $728,389
22 261 $18,886 $1,305 $17,581 $710,808
22 262 $18,886 $1,274 $17,613 $693,195
22 263 $18,886 $1,242 $17,644 $675,551
22 264 $18,886 $1,210 $17,676 $657,875
23 265 $18,886 $1,179 $17,708 $640,167
23 266 $18,886 $1,147 $17,739 $622,428
23 267 $18,886 $1,115 $17,771 $604,656
23 268 $18,886 $1,083 $17,803 $586,853
23 269 $18,886 $1,051 $17,835 $569,019
23 270 $18,886 $1,019 $17,867 $551,152
23 271 $18,886 $987 $17,899 $533,253
23 272 $18,886 $955 $17,931 $515,322
23 273 $18,886 $923 $17,963 $497,359
23 274 $18,886 $891 $17,995 $479,364
23 275 $18,886 $859 $18,027 $461,336
23 276 $18,886 $827 $18,060 $443,276
24 277 $18,886 $794 $18,092 $425,184
24 278 $18,886 $762 $18,125 $407,060
24 279 $18,886 $729 $18,157 $388,903
24 280 $18,886 $697 $18,190 $370,713
24 281 $18,886 $664 $18,222 $352,491
24 282 $18,886 $632 $18,255 $334,236
24 283 $18,886 $599 $18,287 $315,949
24 284 $18,886 $566 $18,320 $297,628
24 285 $18,886 $533 $18,353 $279,275
24 286 $18,886 $500 $18,386 $260,889
24 287 $18,886 $467 $18,419 $242,471
24 288 $18,886 $434 $18,452 $224,019
25 289 $18,886 $401 $18,485 $205,534
25 290 $18,886 $368 $18,518 $187,016
25 291 $18,886 $335 $18,551 $168,464
25 292 $18,886 $302 $18,585 $149,880
25 293 $18,886 $269 $18,618 $131,262
25 294 $18,886 $235 $18,651 $112,611
25 295 $18,886 $202 $18,685 $93,926
25 296 $18,886 $168 $18,718 $75,208
25 297 $18,886 $135 $18,752 $56,457
25 298 $18,886 $101 $18,785 $37,671
25 299 $18,886 $67 $18,819 $18,853
25 300 $18,886 $34 $18,853 $0