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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$ 19,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 19,680,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$19,200,000
 
Monthly Repayment (HKD)
$124,184
Loan Amount (HKD)
$28,800,000
+
Total Interest (HKD)
$8,455,240
=
Total Repayment (HKD)
$37,255,240
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $124,184 $51,600 $72,584 $28,727,416
1 2 $124,184 $51,470 $72,714 $28,654,702
1 3 $124,184 $51,340 $72,844 $28,581,857
1 4 $124,184 $51,209 $72,975 $28,508,882
1 5 $124,184 $51,078 $73,106 $28,435,777
1 6 $124,184 $50,947 $73,237 $28,362,540
1 7 $124,184 $50,816 $73,368 $28,289,172
1 8 $124,184 $50,685 $73,499 $28,215,673
1 9 $124,184 $50,553 $73,631 $28,142,042
1 10 $124,184 $50,421 $73,763 $28,068,279
1 11 $124,184 $50,289 $73,895 $27,994,383
1 12 $124,184 $50,157 $74,028 $27,920,356
2 13 $124,184 $50,024 $74,160 $27,846,196
2 14 $124,184 $49,891 $74,293 $27,771,903
2 15 $124,184 $49,758 $74,426 $27,697,477
2 16 $124,184 $49,625 $74,559 $27,622,917
2 17 $124,184 $49,491 $74,693 $27,548,224
2 18 $124,184 $49,357 $74,827 $27,473,397
2 19 $124,184 $49,223 $74,961 $27,398,436
2 20 $124,184 $49,089 $75,095 $27,323,341
2 21 $124,184 $48,954 $75,230 $27,248,111
2 22 $124,184 $48,820 $75,365 $27,172,746
2 23 $124,184 $48,685 $75,500 $27,097,247
2 24 $124,184 $48,549 $75,635 $27,021,612
3 25 $124,184 $48,414 $75,770 $26,945,841
3 26 $124,184 $48,278 $75,906 $26,869,935
3 27 $124,184 $48,142 $76,042 $26,793,893
3 28 $124,184 $48,006 $76,178 $26,717,715
3 29 $124,184 $47,869 $76,315 $26,641,400
3 30 $124,184 $47,733 $76,452 $26,564,948
3 31 $124,184 $47,596 $76,589 $26,488,360
3 32 $124,184 $47,458 $76,726 $26,411,634
3 33 $124,184 $47,321 $76,863 $26,334,771
3 34 $124,184 $47,183 $77,001 $26,257,770
3 35 $124,184 $47,045 $77,139 $26,180,631
3 36 $124,184 $46,907 $77,277 $26,103,353
4 37 $124,184 $46,769 $77,416 $26,025,938
4 38 $124,184 $46,630 $77,554 $25,948,383
4 39 $124,184 $46,491 $77,693 $25,870,690
4 40 $124,184 $46,352 $77,832 $25,792,858
4 41 $124,184 $46,212 $77,972 $25,714,886
4 42 $124,184 $46,073 $78,112 $25,636,774
4 43 $124,184 $45,933 $78,252 $25,558,523
4 44 $124,184 $45,792 $78,392 $25,480,131
4 45 $124,184 $45,652 $78,532 $25,401,599
4 46 $124,184 $45,511 $78,673 $25,322,926
4 47 $124,184 $45,370 $78,814 $25,244,112
4 48 $124,184 $45,229 $78,955 $25,165,157
5 49 $124,184 $45,088 $79,097 $25,086,060
5 50 $124,184 $44,946 $79,238 $25,006,822
5 51 $124,184 $44,804 $79,380 $24,927,442
5 52 $124,184 $44,662 $79,522 $24,847,919
5 53 $124,184 $44,519 $79,665 $24,768,254
5 54 $124,184 $44,376 $79,808 $24,688,446
5 55 $124,184 $44,233 $79,951 $24,608,496
5 56 $124,184 $44,090 $80,094 $24,528,402
5 57 $124,184 $43,947 $80,237 $24,448,164
5 58 $124,184 $43,803 $80,381 $24,367,783
5 59 $124,184 $43,659 $80,525 $24,287,258
5 60 $124,184 $43,515 $80,669 $24,206,589
6 61 $124,184 $43,370 $80,814 $24,125,775
6 62 $124,184 $43,225 $80,959 $24,044,816
6 63 $124,184 $43,080 $81,104 $23,963,712
6 64 $124,184 $42,935 $81,249 $23,882,463
6 65 $124,184 $42,789 $81,395 $23,801,068
6 66 $124,184 $42,644 $81,541 $23,719,528
6 67 $124,184 $42,497 $81,687 $23,637,841
6 68 $124,184 $42,351 $81,833 $23,556,008
6 69 $124,184 $42,205 $81,980 $23,474,028
6 70 $124,184 $42,058 $82,126 $23,391,902
6 71 $124,184 $41,910 $82,274 $23,309,628
6 72 $124,184 $41,763 $82,421 $23,227,207
7 73 $124,184 $41,615 $82,569 $23,144,638
7 74 $124,184 $41,467 $82,717 $23,061,922
7 75 $124,184 $41,319 $82,865 $22,979,057
7 76 $124,184 $41,171 $83,013 $22,896,044
7 77 $124,184 $41,022 $83,162 $22,812,882
7 78 $124,184 $40,873 $83,311 $22,729,570
7 79 $124,184 $40,724 $83,460 $22,646,110
7 80 $124,184 $40,574 $83,610 $22,562,500
7 81 $124,184 $40,424 $83,760 $22,478,741
7 82 $124,184 $40,274 $83,910 $22,394,831
7 83 $124,184 $40,124 $84,060 $22,310,771
7 84 $124,184 $39,973 $84,211 $22,226,560
8 85 $124,184 $39,823 $84,362 $22,142,199
8 86 $124,184 $39,671 $84,513 $22,057,686
8 87 $124,184 $39,520 $84,664 $21,973,022
8 88 $124,184 $39,368 $84,816 $21,888,206
8 89 $124,184 $39,216 $84,968 $21,803,238
8 90 $124,184 $39,064 $85,120 $21,718,118
8 91 $124,184 $38,912 $85,273 $21,632,846
8 92 $124,184 $38,759 $85,425 $21,547,420
8 93 $124,184 $38,606 $85,578 $21,461,842
8 94 $124,184 $38,452 $85,732 $21,376,110
8 95 $124,184 $38,299 $85,885 $21,290,225
8 96 $124,184 $38,145 $86,039 $21,204,186
9 97 $124,184 $37,991 $86,193 $21,117,993
9 98 $124,184 $37,836 $86,348 $21,031,645
9 99 $124,184 $37,682 $86,502 $20,945,143
9 100 $124,184 $37,527 $86,657 $20,858,485
9 101 $124,184 $37,371 $86,813 $20,771,672
9 102 $124,184 $37,216 $86,968 $20,684,704
9 103 $124,184 $37,060 $87,124 $20,597,580
9 104 $124,184 $36,904 $87,280 $20,510,300
9 105 $124,184 $36,748 $87,437 $20,422,864
9 106 $124,184 $36,591 $87,593 $20,335,270
9 107 $124,184 $36,434 $87,750 $20,247,520
9 108 $124,184 $36,277 $87,907 $20,159,613
10 109 $124,184 $36,119 $88,065 $20,071,548
10 110 $124,184 $35,962 $88,223 $19,983,326
10 111 $124,184 $35,803 $88,381 $19,894,945
10 112 $124,184 $35,645 $88,539 $19,806,406
10 113 $124,184 $35,486 $88,698 $19,717,708
10 114 $124,184 $35,328 $88,857 $19,628,852
10 115 $124,184 $35,168 $89,016 $19,539,836
10 116 $124,184 $35,009 $89,175 $19,450,661
10 117 $124,184 $34,849 $89,335 $19,361,326
10 118 $124,184 $34,689 $89,495 $19,271,830
10 119 $124,184 $34,529 $89,655 $19,182,175
10 120 $124,184 $34,368 $89,816 $19,092,359
11 121 $124,184 $34,207 $89,977 $19,002,382
11 122 $124,184 $34,046 $90,138 $18,912,244
11 123 $124,184 $33,884 $90,300 $18,821,944
11 124 $124,184 $33,723 $90,461 $18,731,483
11 125 $124,184 $33,561 $90,624 $18,640,859
11 126 $124,184 $33,398 $90,786 $18,550,073
11 127 $124,184 $33,236 $90,949 $18,459,125
11 128 $124,184 $33,073 $91,112 $18,368,013
11 129 $124,184 $32,909 $91,275 $18,276,738
11 130 $124,184 $32,746 $91,438 $18,185,300
11 131 $124,184 $32,582 $91,602 $18,093,698
11 132 $124,184 $32,418 $91,766 $18,001,931
12 133 $124,184 $32,253 $91,931 $17,910,001
12 134 $124,184 $32,089 $92,095 $17,817,905
12 135 $124,184 $31,924 $92,260 $17,725,645
12 136 $124,184 $31,758 $92,426 $17,633,219
12 137 $124,184 $31,593 $92,591 $17,540,628
12 138 $124,184 $31,427 $92,757 $17,447,871
12 139 $124,184 $31,261 $92,923 $17,354,948
12 140 $124,184 $31,094 $93,090 $17,261,858
12 141 $124,184 $30,927 $93,257 $17,168,601
12 142 $124,184 $30,760 $93,424 $17,075,177
12 143 $124,184 $30,593 $93,591 $16,981,586
12 144 $124,184 $30,425 $93,759 $16,887,827
13 145 $124,184 $30,257 $93,927 $16,793,901
13 146 $124,184 $30,089 $94,095 $16,699,806
13 147 $124,184 $29,920 $94,264 $16,605,542
13 148 $124,184 $29,752 $94,433 $16,511,109
13 149 $124,184 $29,582 $94,602 $16,416,508
13 150 $124,184 $29,413 $94,771 $16,321,736
13 151 $124,184 $29,243 $94,941 $16,226,795
13 152 $124,184 $29,073 $95,111 $16,131,684
13 153 $124,184 $28,903 $95,282 $16,036,403
13 154 $124,184 $28,732 $95,452 $15,940,951
13 155 $124,184 $28,561 $95,623 $15,845,327
13 156 $124,184 $28,390 $95,795 $15,749,533
14 157 $124,184 $28,218 $95,966 $15,653,566
14 158 $124,184 $28,046 $96,138 $15,557,428
14 159 $124,184 $27,874 $96,310 $15,461,118
14 160 $124,184 $27,701 $96,483 $15,364,635
14 161 $124,184 $27,528 $96,656 $15,267,979
14 162 $124,184 $27,355 $96,829 $15,171,150
14 163 $124,184 $27,182 $97,002 $15,074,148
14 164 $124,184 $27,008 $97,176 $14,976,971
14 165 $124,184 $26,834 $97,350 $14,879,621
14 166 $124,184 $26,659 $97,525 $14,782,096
14 167 $124,184 $26,485 $97,700 $14,684,397
14 168 $124,184 $26,310 $97,875 $14,586,522
15 169 $124,184 $26,134 $98,050 $14,488,472
15 170 $124,184 $25,959 $98,226 $14,390,246
15 171 $124,184 $25,783 $98,402 $14,291,845
15 172 $124,184 $25,606 $98,578 $14,193,267
15 173 $124,184 $25,430 $98,755 $14,094,512
15 174 $124,184 $25,253 $98,931 $13,995,581
15 175 $124,184 $25,075 $99,109 $13,896,472
15 176 $124,184 $24,898 $99,286 $13,797,186
15 177 $124,184 $24,720 $99,464 $13,697,722
15 178 $124,184 $24,542 $99,642 $13,598,079
15 179 $124,184 $24,363 $99,821 $13,498,258
15 180 $124,184 $24,184 $100,000 $13,398,259
16 181 $124,184 $24,005 $100,179 $13,298,080
16 182 $124,184 $23,826 $100,358 $13,197,721
16 183 $124,184 $23,646 $100,538 $13,097,183
16 184 $124,184 $23,466 $100,718 $12,996,465
16 185 $124,184 $23,285 $100,899 $12,895,566
16 186 $124,184 $23,105 $101,080 $12,794,486
16 187 $124,184 $22,923 $101,261 $12,693,226
16 188 $124,184 $22,742 $101,442 $12,591,784
16 189 $124,184 $22,560 $101,624 $12,490,160
16 190 $124,184 $22,378 $101,806 $12,388,354
16 191 $124,184 $22,196 $101,988 $12,286,366
16 192 $124,184 $22,013 $102,171 $12,184,194
17 193 $124,184 $21,830 $102,354 $12,081,840
17 194 $124,184 $21,647 $102,538 $11,979,303
17 195 $124,184 $21,463 $102,721 $11,876,582
17 196 $124,184 $21,279 $102,905 $11,773,676
17 197 $124,184 $21,095 $103,090 $11,670,587
17 198 $124,184 $20,910 $103,274 $11,567,312
17 199 $124,184 $20,725 $103,459 $11,463,853
17 200 $124,184 $20,539 $103,645 $11,360,208
17 201 $124,184 $20,354 $103,830 $11,256,378
17 202 $124,184 $20,168 $104,016 $11,152,361
17 203 $124,184 $19,981 $104,203 $11,048,159
17 204 $124,184 $19,795 $104,390 $10,943,769
18 205 $124,184 $19,608 $104,577 $10,839,193
18 206 $124,184 $19,420 $104,764 $10,734,429
18 207 $124,184 $19,233 $104,952 $10,629,477
18 208 $124,184 $19,044 $105,140 $10,524,337
18 209 $124,184 $18,856 $105,328 $10,419,009
18 210 $124,184 $18,667 $105,517 $10,313,493
18 211 $124,184 $18,478 $105,706 $10,207,787
18 212 $124,184 $18,289 $105,895 $10,101,892
18 213 $124,184 $18,099 $106,085 $9,995,807
18 214 $124,184 $17,909 $106,275 $9,889,532
18 215 $124,184 $17,719 $106,465 $9,783,066
18 216 $124,184 $17,528 $106,656 $9,676,410
19 217 $124,184 $17,337 $106,847 $9,569,563
19 218 $124,184 $17,145 $107,039 $9,462,524
19 219 $124,184 $16,954 $107,230 $9,355,294
19 220 $124,184 $16,762 $107,423 $9,247,871
19 221 $124,184 $16,569 $107,615 $9,140,256
19 222 $124,184 $16,376 $107,808 $9,032,448
19 223 $124,184 $16,183 $108,001 $8,924,447
19 224 $124,184 $15,990 $108,194 $8,816,253
19 225 $124,184 $15,796 $108,388 $8,707,865
19 226 $124,184 $15,602 $108,583 $8,599,282
19 227 $124,184 $15,407 $108,777 $8,490,505
19 228 $124,184 $15,212 $108,972 $8,381,533
20 229 $124,184 $15,017 $109,167 $8,272,366
20 230 $124,184 $14,821 $109,363 $8,163,003
20 231 $124,184 $14,625 $109,559 $8,053,444
20 232 $124,184 $14,429 $109,755 $7,943,689
20 233 $124,184 $14,232 $109,952 $7,833,737
20 234 $124,184 $14,035 $110,149 $7,723,589
20 235 $124,184 $13,838 $110,346 $7,613,243
20 236 $124,184 $13,640 $110,544 $7,502,699
20 237 $124,184 $13,442 $110,742 $7,391,957
20 238 $124,184 $13,244 $110,940 $7,281,017
20 239 $124,184 $13,045 $111,139 $7,169,878
20 240 $124,184 $12,846 $111,338 $7,058,540
21 241 $124,184 $12,647 $111,538 $6,947,002
21 242 $124,184 $12,447 $111,737 $6,835,265
21 243 $124,184 $12,247 $111,938 $6,723,327
21 244 $124,184 $12,046 $112,138 $6,611,189
21 245 $124,184 $11,845 $112,339 $6,498,850
21 246 $124,184 $11,644 $112,540 $6,386,310
21 247 $124,184 $11,442 $112,742 $6,273,568
21 248 $124,184 $11,240 $112,944 $6,160,624
21 249 $124,184 $11,038 $113,146 $6,047,477
21 250 $124,184 $10,835 $113,349 $5,934,128
21 251 $124,184 $10,632 $113,552 $5,820,576
21 252 $124,184 $10,429 $113,756 $5,706,821
22 253 $124,184 $10,225 $113,959 $5,592,861
22 254 $124,184 $10,021 $114,164 $5,478,698
22 255 $124,184 $9,816 $114,368 $5,364,329
22 256 $124,184 $9,611 $114,573 $5,249,756
22 257 $124,184 $9,406 $114,778 $5,134,978
22 258 $124,184 $9,200 $114,984 $5,019,994
22 259 $124,184 $8,994 $115,190 $4,904,804
22 260 $124,184 $8,788 $115,396 $4,789,408
22 261 $124,184 $8,581 $115,603 $4,673,805
22 262 $124,184 $8,374 $115,810 $4,557,994
22 263 $124,184 $8,166 $116,018 $4,441,977
22 264 $124,184 $7,959 $116,226 $4,325,751
23 265 $124,184 $7,750 $116,434 $4,209,317
23 266 $124,184 $7,542 $116,642 $4,092,675
23 267 $124,184 $7,333 $116,851 $3,975,823
23 268 $124,184 $7,123 $117,061 $3,858,763
23 269 $124,184 $6,914 $117,271 $3,741,492
23 270 $124,184 $6,704 $117,481 $3,624,011
23 271 $124,184 $6,493 $117,691 $3,506,320
23 272 $124,184 $6,282 $117,902 $3,388,418
23 273 $124,184 $6,071 $118,113 $3,270,305
23 274 $124,184 $5,859 $118,325 $3,151,980
23 275 $124,184 $5,647 $118,537 $3,033,443
23 276 $124,184 $5,435 $118,749 $2,914,694
24 277 $124,184 $5,222 $118,962 $2,795,732
24 278 $124,184 $5,009 $119,175 $2,676,557
24 279 $124,184 $4,795 $119,389 $2,557,169
24 280 $124,184 $4,582 $119,603 $2,437,566
24 281 $124,184 $4,367 $119,817 $2,317,749
24 282 $124,184 $4,153 $120,031 $2,197,718
24 283 $124,184 $3,938 $120,247 $2,077,471
24 284 $124,184 $3,722 $120,462 $1,957,009
24 285 $124,184 $3,506 $120,678 $1,836,331
24 286 $124,184 $3,290 $120,894 $1,715,437
24 287 $124,184 $3,073 $121,111 $1,594,327
24 288 $124,184 $2,857 $121,328 $1,472,999
25 289 $124,184 $2,639 $121,545 $1,351,454
25 290 $124,184 $2,421 $121,763 $1,229,691
25 291 $124,184 $2,203 $121,981 $1,107,710
25 292 $124,184 $1,985 $122,199 $985,511
25 293 $124,184 $1,766 $122,418 $863,092
25 294 $124,184 $1,546 $122,638 $740,455
25 295 $124,184 $1,327 $122,857 $617,597
25 296 $124,184 $1,107 $123,078 $494,520
25 297 $124,184 $886 $123,298 $371,221
25 298 $124,184 $665 $123,519 $247,702
25 299 $124,184 $444 $123,740 $123,962
25 300 $124,184 $222 $123,962 $0