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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$ 31,480,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 32,267,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$31,480,000
 
Monthly Repayment (HKD)
$203,610
Loan Amount (HKD)
$47,220,000
+
Total Interest (HKD)
$13,863,070
=
Total Repayment (HKD)
$61,083,070
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $203,610 $84,603 $119,008 $47,100,992
1 2 $203,610 $84,389 $119,221 $46,981,771
1 3 $203,610 $84,176 $119,435 $46,862,337
1 4 $203,610 $83,962 $119,649 $46,742,688
1 5 $203,610 $83,747 $119,863 $46,622,825
1 6 $203,610 $83,533 $120,078 $46,502,748
1 7 $203,610 $83,317 $120,293 $46,382,455
1 8 $203,610 $83,102 $120,508 $46,261,946
1 9 $203,610 $82,886 $120,724 $46,141,222
1 10 $203,610 $82,670 $120,941 $46,020,282
1 11 $203,610 $82,453 $121,157 $45,899,124
1 12 $203,610 $82,236 $121,374 $45,777,750
2 13 $203,610 $82,018 $121,592 $45,656,158
2 14 $203,610 $81,801 $121,810 $45,534,349
2 15 $203,610 $81,582 $122,028 $45,412,321
2 16 $203,610 $81,364 $122,246 $45,290,074
2 17 $203,610 $81,145 $122,466 $45,167,609
2 18 $203,610 $80,925 $122,685 $45,044,924
2 19 $203,610 $80,705 $122,905 $44,922,019
2 20 $203,610 $80,485 $123,125 $44,798,894
2 21 $203,610 $80,265 $123,346 $44,675,549
2 22 $203,610 $80,044 $123,567 $44,551,982
2 23 $203,610 $79,822 $123,788 $44,428,194
2 24 $203,610 $79,601 $124,010 $44,304,185
3 25 $203,610 $79,378 $124,232 $44,179,953
3 26 $203,610 $79,156 $124,454 $44,055,498
3 27 $203,610 $78,933 $124,677 $43,930,821
3 28 $203,610 $78,709 $124,901 $43,805,920
3 29 $203,610 $78,486 $125,125 $43,680,795
3 30 $203,610 $78,261 $125,349 $43,555,446
3 31 $203,610 $78,037 $125,573 $43,429,873
3 32 $203,610 $77,812 $125,798 $43,304,075
3 33 $203,610 $77,586 $126,024 $43,178,051
3 34 $203,610 $77,361 $126,250 $43,051,801
3 35 $203,610 $77,134 $126,476 $42,925,326
3 36 $203,610 $76,908 $126,702 $42,798,623
4 37 $203,610 $76,681 $126,929 $42,671,694
4 38 $203,610 $76,453 $127,157 $42,544,537
4 39 $203,610 $76,226 $127,385 $42,417,152
4 40 $203,610 $75,997 $127,613 $42,289,540
4 41 $203,610 $75,769 $127,841 $42,161,698
4 42 $203,610 $75,540 $128,071 $42,033,628
4 43 $203,610 $75,310 $128,300 $41,905,328
4 44 $203,610 $75,080 $128,530 $41,776,798
4 45 $203,610 $74,850 $128,760 $41,648,038
4 46 $203,610 $74,619 $128,991 $41,519,047
4 47 $203,610 $74,388 $129,222 $41,389,825
4 48 $203,610 $74,157 $129,453 $41,260,371
5 49 $203,610 $73,925 $129,685 $41,130,686
5 50 $203,610 $73,692 $129,918 $41,000,768
5 51 $203,610 $73,460 $130,151 $40,870,618
5 52 $203,610 $73,227 $130,384 $40,740,234
5 53 $203,610 $72,993 $130,617 $40,609,617
5 54 $203,610 $72,759 $130,851 $40,478,765
5 55 $203,610 $72,524 $131,086 $40,347,679
5 56 $203,610 $72,290 $131,321 $40,216,359
5 57 $203,610 $72,054 $131,556 $40,084,803
5 58 $203,610 $71,819 $131,792 $39,953,011
5 59 $203,610 $71,582 $132,028 $39,820,984
5 60 $203,610 $71,346 $132,264 $39,688,719
6 61 $203,610 $71,109 $132,501 $39,556,218
6 62 $203,610 $70,872 $132,739 $39,423,479
6 63 $203,610 $70,634 $132,977 $39,290,503
6 64 $203,610 $70,395 $133,215 $39,157,288
6 65 $203,610 $70,157 $133,453 $39,023,835
6 66 $203,610 $69,918 $133,693 $38,890,142
6 67 $203,610 $69,678 $133,932 $38,756,210
6 68 $203,610 $69,438 $134,172 $38,622,038
6 69 $203,610 $69,198 $134,412 $38,487,626
6 70 $203,610 $68,957 $134,653 $38,352,972
6 71 $203,610 $68,716 $134,894 $38,218,078
6 72 $203,610 $68,474 $135,136 $38,082,942
7 73 $203,610 $68,232 $135,378 $37,947,563
7 74 $203,610 $67,989 $135,621 $37,811,943
7 75 $203,610 $67,746 $135,864 $37,676,079
7 76 $203,610 $67,503 $136,107 $37,539,971
7 77 $203,610 $67,259 $136,351 $37,403,620
7 78 $203,610 $67,015 $136,595 $37,267,025
7 79 $203,610 $66,770 $136,840 $37,130,185
7 80 $203,610 $66,525 $137,085 $36,993,099
7 81 $203,610 $66,279 $137,331 $36,855,768
7 82 $203,610 $66,033 $137,577 $36,718,191
7 83 $203,610 $65,787 $137,823 $36,580,368
7 84 $203,610 $65,540 $138,070 $36,442,298
8 85 $203,610 $65,292 $138,318 $36,303,980
8 86 $203,610 $65,045 $138,566 $36,165,414
8 87 $203,610 $64,796 $138,814 $36,026,600
8 88 $203,610 $64,548 $139,063 $35,887,538
8 89 $203,610 $64,299 $139,312 $35,748,226
8 90 $203,610 $64,049 $139,561 $35,608,665
8 91 $203,610 $63,799 $139,811 $35,468,853
8 92 $203,610 $63,548 $140,062 $35,328,791
8 93 $203,610 $63,297 $140,313 $35,188,479
8 94 $203,610 $63,046 $140,564 $35,047,914
8 95 $203,610 $62,794 $140,816 $34,907,098
8 96 $203,610 $62,542 $141,068 $34,766,030
9 97 $203,610 $62,289 $141,321 $34,624,709
9 98 $203,610 $62,036 $141,574 $34,483,135
9 99 $203,610 $61,782 $141,828 $34,341,307
9 100 $203,610 $61,528 $142,082 $34,199,225
9 101 $203,610 $61,274 $142,337 $34,056,888
9 102 $203,610 $61,019 $142,592 $33,914,296
9 103 $203,610 $60,763 $142,847 $33,771,449
9 104 $203,610 $60,507 $143,103 $33,628,346
9 105 $203,610 $60,251 $143,359 $33,484,987
9 106 $203,610 $59,994 $143,616 $33,341,370
9 107 $203,610 $59,737 $143,874 $33,197,497
9 108 $203,610 $59,479 $144,131 $33,053,365
10 109 $203,610 $59,221 $144,390 $32,908,976
10 110 $203,610 $58,962 $144,648 $32,764,328
10 111 $203,610 $58,703 $144,907 $32,619,420
10 112 $203,610 $58,443 $145,167 $32,474,253
10 113 $203,610 $58,183 $145,427 $32,328,826
10 114 $203,610 $57,922 $145,688 $32,183,138
10 115 $203,610 $57,661 $145,949 $32,037,189
10 116 $203,610 $57,400 $146,210 $31,890,979
10 117 $203,610 $57,138 $146,472 $31,744,507
10 118 $203,610 $56,876 $146,735 $31,597,772
10 119 $203,610 $56,613 $146,998 $31,450,774
10 120 $203,610 $56,349 $147,261 $31,303,514
11 121 $203,610 $56,085 $147,525 $31,155,989
11 122 $203,610 $55,821 $147,789 $31,008,200
11 123 $203,610 $55,556 $148,054 $30,860,146
11 124 $203,610 $55,291 $148,319 $30,711,827
11 125 $203,610 $55,025 $148,585 $30,563,242
11 126 $203,610 $54,759 $148,851 $30,414,391
11 127 $203,610 $54,492 $149,118 $30,265,273
11 128 $203,610 $54,225 $149,385 $30,115,888
11 129 $203,610 $53,958 $149,653 $29,966,235
11 130 $203,610 $53,690 $149,921 $29,816,315
11 131 $203,610 $53,421 $150,189 $29,666,125
11 132 $203,610 $53,152 $150,458 $29,515,667
12 133 $203,610 $52,882 $150,728 $29,364,939
12 134 $203,610 $52,612 $150,998 $29,213,941
12 135 $203,610 $52,342 $151,269 $29,062,672
12 136 $203,610 $52,071 $151,540 $28,911,133
12 137 $203,610 $51,799 $151,811 $28,759,321
12 138 $203,610 $51,527 $152,083 $28,607,238
12 139 $203,610 $51,255 $152,356 $28,454,883
12 140 $203,610 $50,982 $152,629 $28,302,254
12 141 $203,610 $50,708 $152,902 $28,149,352
12 142 $203,610 $50,434 $153,176 $27,996,176
12 143 $203,610 $50,160 $153,450 $27,842,726
12 144 $203,610 $49,885 $153,725 $27,689,000
13 145 $203,610 $49,609 $154,001 $27,535,000
13 146 $203,610 $49,334 $154,277 $27,380,723
13 147 $203,610 $49,057 $154,553 $27,226,170
13 148 $203,610 $48,780 $154,830 $27,071,340
13 149 $203,610 $48,503 $155,107 $26,916,232
13 150 $203,610 $48,225 $155,385 $26,760,847
13 151 $203,610 $47,947 $155,664 $26,605,183
13 152 $203,610 $47,668 $155,943 $26,449,241
13 153 $203,610 $47,388 $156,222 $26,293,019
13 154 $203,610 $47,108 $156,502 $26,136,517
13 155 $203,610 $46,828 $156,782 $25,979,735
13 156 $203,610 $46,547 $157,063 $25,822,671
14 157 $203,610 $46,266 $157,345 $25,665,327
14 158 $203,610 $45,984 $157,627 $25,507,700
14 159 $203,610 $45,701 $157,909 $25,349,791
14 160 $203,610 $45,418 $158,192 $25,191,599
14 161 $203,610 $45,135 $158,475 $25,033,124
14 162 $203,610 $44,851 $158,759 $24,874,365
14 163 $203,610 $44,567 $159,044 $24,715,321
14 164 $203,610 $44,282 $159,329 $24,555,993
14 165 $203,610 $43,996 $159,614 $24,396,379
14 166 $203,610 $43,710 $159,900 $24,236,478
14 167 $203,610 $43,424 $160,187 $24,076,292
14 168 $203,610 $43,137 $160,474 $23,915,818
15 169 $203,610 $42,849 $160,761 $23,755,057
15 170 $203,610 $42,561 $161,049 $23,594,008
15 171 $203,610 $42,273 $161,338 $23,432,671
15 172 $203,610 $41,984 $161,627 $23,271,044
15 173 $203,610 $41,694 $161,916 $23,109,128
15 174 $203,610 $41,404 $162,206 $22,946,921
15 175 $203,610 $41,113 $162,497 $22,784,424
15 176 $203,610 $40,822 $162,788 $22,621,636
15 177 $203,610 $40,530 $163,080 $22,458,556
15 178 $203,610 $40,238 $163,372 $22,295,184
15 179 $203,610 $39,946 $163,665 $22,131,520
15 180 $203,610 $39,652 $163,958 $21,967,562
16 181 $203,610 $39,359 $164,252 $21,803,310
16 182 $203,610 $39,064 $164,546 $21,638,764
16 183 $203,610 $38,769 $164,841 $21,473,923
16 184 $203,610 $38,474 $165,136 $21,308,787
16 185 $203,610 $38,178 $165,432 $21,143,355
16 186 $203,610 $37,882 $165,728 $20,977,627
16 187 $203,610 $37,585 $166,025 $20,811,601
16 188 $203,610 $37,287 $166,323 $20,645,279
16 189 $203,610 $36,989 $166,621 $20,478,658
16 190 $203,610 $36,691 $166,919 $20,311,739
16 191 $203,610 $36,392 $167,218 $20,144,520
16 192 $203,610 $36,092 $167,518 $19,977,002
17 193 $203,610 $35,792 $167,818 $19,809,184
17 194 $203,610 $35,491 $168,119 $19,641,065
17 195 $203,610 $35,190 $168,420 $19,472,645
17 196 $203,610 $34,888 $168,722 $19,303,924
17 197 $203,610 $34,586 $169,024 $19,134,900
17 198 $203,610 $34,283 $169,327 $18,965,573
17 199 $203,610 $33,980 $169,630 $18,795,942
17 200 $203,610 $33,676 $169,934 $18,626,008
17 201 $203,610 $33,372 $170,239 $18,455,770
17 202 $203,610 $33,067 $170,544 $18,285,226
17 203 $203,610 $32,761 $170,849 $18,114,377
17 204 $203,610 $32,455 $171,155 $17,943,221
18 205 $203,610 $32,148 $171,462 $17,771,759
18 206 $203,610 $31,841 $171,769 $17,599,990
18 207 $203,610 $31,533 $172,077 $17,427,913
18 208 $203,610 $31,225 $172,385 $17,255,528
18 209 $203,610 $30,916 $172,694 $17,082,834
18 210 $203,610 $30,607 $173,003 $16,909,831
18 211 $203,610 $30,297 $173,313 $16,736,517
18 212 $203,610 $29,986 $173,624 $16,562,893
18 213 $203,610 $29,675 $173,935 $16,388,958
18 214 $203,610 $29,364 $174,247 $16,214,711
18 215 $203,610 $29,051 $174,559 $16,040,153
18 216 $203,610 $28,739 $174,872 $15,865,281
19 217 $203,610 $28,425 $175,185 $15,690,096
19 218 $203,610 $28,111 $175,499 $15,514,597
19 219 $203,610 $27,797 $175,813 $15,338,784
19 220 $203,610 $27,482 $176,128 $15,162,656
19 221 $203,610 $27,166 $176,444 $14,986,212
19 222 $203,610 $26,850 $176,760 $14,809,452
19 223 $203,610 $26,534 $177,077 $14,632,375
19 224 $203,610 $26,216 $177,394 $14,454,981
19 225 $203,610 $25,899 $177,712 $14,277,270
19 226 $203,610 $25,580 $178,030 $14,099,240
19 227 $203,610 $25,261 $178,349 $13,920,890
19 228 $203,610 $24,942 $178,669 $13,742,222
20 229 $203,610 $24,621 $178,989 $13,563,233
20 230 $203,610 $24,301 $179,309 $13,383,924
20 231 $203,610 $23,980 $179,631 $13,204,293
20 232 $203,610 $23,658 $179,953 $13,024,340
20 233 $203,610 $23,335 $180,275 $12,844,065
20 234 $203,610 $23,012 $180,598 $12,663,467
20 235 $203,610 $22,689 $180,922 $12,482,546
20 236 $203,610 $22,365 $181,246 $12,301,300
20 237 $203,610 $22,040 $181,570 $12,119,730
20 238 $203,610 $21,715 $181,896 $11,937,834
20 239 $203,610 $21,389 $182,222 $11,755,613
20 240 $203,610 $21,062 $182,548 $11,573,064
21 241 $203,610 $20,735 $182,875 $11,390,189
21 242 $203,610 $20,407 $183,203 $11,206,986
21 243 $203,610 $20,079 $183,531 $11,023,455
21 244 $203,610 $19,750 $183,860 $10,839,596
21 245 $203,610 $19,421 $184,189 $10,655,406
21 246 $203,610 $19,091 $184,519 $10,470,887
21 247 $203,610 $18,760 $184,850 $10,286,037
21 248 $203,610 $18,429 $185,181 $10,100,856
21 249 $203,610 $18,097 $185,513 $9,915,343
21 250 $203,610 $17,765 $185,845 $9,729,498
21 251 $203,610 $17,432 $186,178 $9,543,320
21 252 $203,610 $17,098 $186,512 $9,356,808
22 253 $203,610 $16,764 $186,846 $9,169,962
22 254 $203,610 $16,430 $187,181 $8,982,781
22 255 $203,610 $16,094 $187,516 $8,795,265
22 256 $203,610 $15,758 $187,852 $8,607,413
22 257 $203,610 $15,422 $188,189 $8,419,224
22 258 $203,610 $15,084 $188,526 $8,230,699
22 259 $203,610 $14,747 $188,864 $8,041,835
22 260 $203,610 $14,408 $189,202 $7,852,633
22 261 $203,610 $14,069 $189,541 $7,663,092
22 262 $203,610 $13,730 $189,881 $7,473,212
22 263 $203,610 $13,390 $190,221 $7,282,991
22 264 $203,610 $13,049 $190,562 $7,092,429
23 265 $203,610 $12,707 $190,903 $6,901,526
23 266 $203,610 $12,365 $191,245 $6,710,281
23 267 $203,610 $12,023 $191,588 $6,518,694
23 268 $203,610 $11,679 $191,931 $6,326,763
23 269 $203,610 $11,335 $192,275 $6,134,488
23 270 $203,610 $10,991 $192,619 $5,941,869
23 271 $203,610 $10,646 $192,964 $5,748,904
23 272 $203,610 $10,300 $193,310 $5,555,594
23 273 $203,610 $9,954 $193,656 $5,361,938
23 274 $203,610 $9,607 $194,003 $5,167,934
23 275 $203,610 $9,259 $194,351 $4,973,583
23 276 $203,610 $8,911 $194,699 $4,778,884
24 277 $203,610 $8,562 $195,048 $4,583,836
24 278 $203,610 $8,213 $195,398 $4,388,439
24 279 $203,610 $7,863 $195,748 $4,192,691
24 280 $203,610 $7,512 $196,098 $3,996,593
24 281 $203,610 $7,161 $196,450 $3,800,143
24 282 $203,610 $6,809 $196,802 $3,603,341
24 283 $203,610 $6,456 $197,154 $3,406,187
24 284 $203,610 $6,103 $197,507 $3,208,680
24 285 $203,610 $5,749 $197,861 $3,010,818
24 286 $203,610 $5,394 $198,216 $2,812,602
24 287 $203,610 $5,039 $198,571 $2,614,031
24 288 $203,610 $4,683 $198,927 $2,415,105
25 289 $203,610 $4,327 $199,283 $2,215,821
25 290 $203,610 $3,970 $199,640 $2,016,181
25 291 $203,610 $3,612 $199,998 $1,816,183
25 292 $203,610 $3,254 $200,356 $1,615,827
25 293 $203,610 $2,895 $200,715 $1,415,112
25 294 $203,610 $2,535 $201,075 $1,214,037
25 295 $203,610 $2,175 $201,435 $1,012,602
25 296 $203,610 $1,814 $201,796 $810,806
25 297 $203,610 $1,453 $202,158 $608,648
25 298 $203,610 $1,090 $202,520 $406,129
25 299 $203,610 $728 $202,883 $203,246
25 300 $203,610 $364 $203,246 $0