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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$ 20,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 21,115,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$20,600,000
 
Monthly Repayment (HKD)
$133,239
Loan Amount (HKD)
$30,900,000
+
Total Interest (HKD)
$9,071,768
=
Total Repayment (HKD)
$39,971,768
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $133,239 $55,363 $77,877 $30,822,123
1 2 $133,239 $55,223 $78,016 $30,744,107
1 3 $133,239 $55,083 $78,156 $30,665,951
1 4 $133,239 $54,943 $78,296 $30,587,655
1 5 $133,239 $54,803 $78,436 $30,509,219
1 6 $133,239 $54,662 $78,577 $30,430,642
1 7 $133,239 $54,522 $78,718 $30,351,924
1 8 $133,239 $54,381 $78,859 $30,273,065
1 9 $133,239 $54,239 $79,000 $30,194,065
1 10 $133,239 $54,098 $79,142 $30,114,924
1 11 $133,239 $53,956 $79,283 $30,035,641
1 12 $133,239 $53,814 $79,425 $29,956,215
2 13 $133,239 $53,672 $79,568 $29,876,647
2 14 $133,239 $53,529 $79,710 $29,796,937
2 15 $133,239 $53,386 $79,853 $29,717,084
2 16 $133,239 $53,243 $79,996 $29,637,088
2 17 $133,239 $53,100 $80,139 $29,556,949
2 18 $133,239 $52,956 $80,283 $29,476,666
2 19 $133,239 $52,812 $80,427 $29,396,239
2 20 $133,239 $52,668 $80,571 $29,315,668
2 21 $133,239 $52,524 $80,715 $29,234,952
2 22 $133,239 $52,379 $80,860 $29,154,093
2 23 $133,239 $52,234 $81,005 $29,073,088
2 24 $133,239 $52,089 $81,150 $28,991,938
3 25 $133,239 $51,944 $81,295 $28,910,642
3 26 $133,239 $51,798 $81,441 $28,829,201
3 27 $133,239 $51,652 $81,587 $28,747,615
3 28 $133,239 $51,506 $81,733 $28,665,881
3 29 $133,239 $51,360 $81,880 $28,584,002
3 30 $133,239 $51,213 $82,026 $28,501,976
3 31 $133,239 $51,066 $82,173 $28,419,803
3 32 $133,239 $50,919 $82,320 $28,337,482
3 33 $133,239 $50,771 $82,468 $28,255,014
3 34 $133,239 $50,624 $82,616 $28,172,399
3 35 $133,239 $50,476 $82,764 $28,089,635
3 36 $133,239 $50,327 $82,912 $28,006,723
4 37 $133,239 $50,179 $83,061 $27,923,662
4 38 $133,239 $50,030 $83,209 $27,840,453
4 39 $133,239 $49,881 $83,358 $27,757,095
4 40 $133,239 $49,731 $83,508 $27,673,587
4 41 $133,239 $49,582 $83,657 $27,589,929
4 42 $133,239 $49,432 $83,807 $27,506,122
4 43 $133,239 $49,282 $83,957 $27,422,165
4 44 $133,239 $49,131 $84,108 $27,338,057
4 45 $133,239 $48,981 $84,259 $27,253,798
4 46 $133,239 $48,830 $84,410 $27,169,389
4 47 $133,239 $48,678 $84,561 $27,084,828
4 48 $133,239 $48,527 $84,712 $27,000,116
5 49 $133,239 $48,375 $84,864 $26,915,252
5 50 $133,239 $48,223 $85,016 $26,830,236
5 51 $133,239 $48,071 $85,168 $26,745,067
5 52 $133,239 $47,918 $85,321 $26,659,746
5 53 $133,239 $47,765 $85,474 $26,574,273
5 54 $133,239 $47,612 $85,627 $26,488,646
5 55 $133,239 $47,459 $85,780 $26,402,865
5 56 $133,239 $47,305 $85,934 $26,316,931
5 57 $133,239 $47,151 $86,088 $26,230,843
5 58 $133,239 $46,997 $86,242 $26,144,601
5 59 $133,239 $46,842 $86,397 $26,058,204
5 60 $133,239 $46,688 $86,552 $25,971,652
6 61 $133,239 $46,533 $86,707 $25,884,946
6 62 $133,239 $46,377 $86,862 $25,798,084
6 63 $133,239 $46,222 $87,018 $25,711,066
6 64 $133,239 $46,066 $87,174 $25,623,892
6 65 $133,239 $45,909 $87,330 $25,536,563
6 66 $133,239 $45,753 $87,486 $25,449,076
6 67 $133,239 $45,596 $87,643 $25,361,433
6 68 $133,239 $45,439 $87,800 $25,273,633
6 69 $133,239 $45,282 $87,957 $25,185,676
6 70 $133,239 $45,124 $88,115 $25,097,561
6 71 $133,239 $44,966 $88,273 $25,009,289
6 72 $133,239 $44,808 $88,431 $24,920,858
7 73 $133,239 $44,650 $88,589 $24,832,268
7 74 $133,239 $44,491 $88,748 $24,743,520
7 75 $133,239 $44,332 $88,907 $24,654,613
7 76 $133,239 $44,173 $89,066 $24,565,547
7 77 $133,239 $44,013 $89,226 $24,476,321
7 78 $133,239 $43,853 $89,386 $24,386,935
7 79 $133,239 $43,693 $89,546 $24,297,389
7 80 $133,239 $43,533 $89,706 $24,207,683
7 81 $133,239 $43,372 $89,867 $24,117,815
7 82 $133,239 $43,211 $90,028 $24,027,787
7 83 $133,239 $43,050 $90,189 $23,937,598
7 84 $133,239 $42,888 $90,351 $23,847,247
8 85 $133,239 $42,726 $90,513 $23,756,734
8 86 $133,239 $42,564 $90,675 $23,666,059
8 87 $133,239 $42,402 $90,838 $23,575,221
8 88 $133,239 $42,239 $91,000 $23,484,221
8 89 $133,239 $42,076 $91,163 $23,393,058
8 90 $133,239 $41,913 $91,327 $23,301,731
8 91 $133,239 $41,749 $91,490 $23,210,241
8 92 $133,239 $41,585 $91,654 $23,118,587
8 93 $133,239 $41,421 $91,818 $23,026,768
8 94 $133,239 $41,256 $91,983 $22,934,785
8 95 $133,239 $41,091 $92,148 $22,842,637
8 96 $133,239 $40,926 $92,313 $22,750,325
9 97 $133,239 $40,761 $92,478 $22,657,846
9 98 $133,239 $40,595 $92,644 $22,565,202
9 99 $133,239 $40,429 $92,810 $22,472,393
9 100 $133,239 $40,263 $92,976 $22,379,416
9 101 $133,239 $40,096 $93,143 $22,286,274
9 102 $133,239 $39,930 $93,310 $22,192,964
9 103 $133,239 $39,762 $93,477 $22,099,487
9 104 $133,239 $39,595 $93,644 $22,005,843
9 105 $133,239 $39,427 $93,812 $21,912,031
9 106 $133,239 $39,259 $93,980 $21,818,051
9 107 $133,239 $39,091 $94,149 $21,723,902
9 108 $133,239 $38,922 $94,317 $21,629,585
10 109 $133,239 $38,753 $94,486 $21,535,099
10 110 $133,239 $38,584 $94,656 $21,440,443
10 111 $133,239 $38,414 $94,825 $21,345,618
10 112 $133,239 $38,244 $94,995 $21,250,623
10 113 $133,239 $38,074 $95,165 $21,155,458
10 114 $133,239 $37,904 $95,336 $21,060,122
10 115 $133,239 $37,733 $95,507 $20,964,616
10 116 $133,239 $37,562 $95,678 $20,868,938
10 117 $133,239 $37,390 $95,849 $20,773,089
10 118 $133,239 $37,218 $96,021 $20,677,068
10 119 $133,239 $37,046 $96,193 $20,580,875
10 120 $133,239 $36,874 $96,365 $20,484,510
11 121 $133,239 $36,701 $96,538 $20,387,972
11 122 $133,239 $36,528 $96,711 $20,291,262
11 123 $133,239 $36,355 $96,884 $20,194,377
11 124 $133,239 $36,182 $97,058 $20,097,320
11 125 $133,239 $36,008 $97,232 $20,000,088
11 126 $133,239 $35,833 $97,406 $19,902,683
11 127 $133,239 $35,659 $97,580 $19,805,102
11 128 $133,239 $35,484 $97,755 $19,707,347
11 129 $133,239 $35,309 $97,930 $19,609,417
11 130 $133,239 $35,134 $98,106 $19,511,311
11 131 $133,239 $34,958 $98,281 $19,413,030
11 132 $133,239 $34,782 $98,458 $19,314,572
12 133 $133,239 $34,605 $98,634 $19,215,938
12 134 $133,239 $34,429 $98,811 $19,117,128
12 135 $133,239 $34,252 $98,988 $19,018,140
12 136 $133,239 $34,074 $99,165 $18,918,975
12 137 $133,239 $33,896 $99,343 $18,819,632
12 138 $133,239 $33,719 $99,521 $18,720,112
12 139 $133,239 $33,540 $99,699 $18,620,412
12 140 $133,239 $33,362 $99,878 $18,520,535
12 141 $133,239 $33,183 $100,057 $18,420,478
12 142 $133,239 $33,003 $100,236 $18,320,242
12 143 $133,239 $32,824 $100,415 $18,219,827
12 144 $133,239 $32,644 $100,595 $18,119,232
13 145 $133,239 $32,464 $100,776 $18,018,456
13 146 $133,239 $32,283 $100,956 $17,917,500
13 147 $133,239 $32,102 $101,137 $17,816,363
13 148 $133,239 $31,921 $101,318 $17,715,044
13 149 $133,239 $31,739 $101,500 $17,613,545
13 150 $133,239 $31,558 $101,682 $17,511,863
13 151 $133,239 $31,375 $101,864 $17,409,999
13 152 $133,239 $31,193 $102,046 $17,307,953
13 153 $133,239 $31,010 $102,229 $17,205,724
13 154 $133,239 $30,827 $102,412 $17,103,312
13 155 $133,239 $30,643 $102,596 $17,000,716
13 156 $133,239 $30,460 $102,780 $16,897,936
14 157 $133,239 $30,275 $102,964 $16,794,972
14 158 $133,239 $30,091 $103,148 $16,691,824
14 159 $133,239 $29,906 $103,333 $16,588,491
14 160 $133,239 $29,721 $103,518 $16,484,973
14 161 $133,239 $29,536 $103,704 $16,381,269
14 162 $133,239 $29,350 $103,889 $16,277,380
14 163 $133,239 $29,164 $104,076 $16,173,304
14 164 $133,239 $28,977 $104,262 $16,069,042
14 165 $133,239 $28,790 $104,449 $15,964,593
14 166 $133,239 $28,603 $104,636 $15,859,957
14 167 $133,239 $28,416 $104,823 $15,755,134
14 168 $133,239 $28,228 $105,011 $15,650,123
15 169 $133,239 $28,040 $105,199 $15,544,923
15 170 $133,239 $27,851 $105,388 $15,439,535
15 171 $133,239 $27,663 $105,577 $15,333,959
15 172 $133,239 $27,473 $105,766 $15,228,193
15 173 $133,239 $27,284 $105,955 $15,122,237
15 174 $133,239 $27,094 $106,145 $15,016,092
15 175 $133,239 $26,904 $106,335 $14,909,757
15 176 $133,239 $26,713 $106,526 $14,803,231
15 177 $133,239 $26,522 $106,717 $14,696,514
15 178 $133,239 $26,331 $106,908 $14,589,606
15 179 $133,239 $26,140 $107,100 $14,482,506
15 180 $133,239 $25,948 $107,291 $14,375,215
16 181 $133,239 $25,756 $107,484 $14,267,731
16 182 $133,239 $25,563 $107,676 $14,160,055
16 183 $133,239 $25,370 $107,869 $14,052,186
16 184 $133,239 $25,177 $108,062 $13,944,124
16 185 $133,239 $24,983 $108,256 $13,835,868
16 186 $133,239 $24,789 $108,450 $13,727,418
16 187 $133,239 $24,595 $108,644 $13,618,773
16 188 $133,239 $24,400 $108,839 $13,509,935
16 189 $133,239 $24,205 $109,034 $13,400,901
16 190 $133,239 $24,010 $109,229 $13,291,671
16 191 $133,239 $23,814 $109,425 $13,182,246
16 192 $133,239 $23,618 $109,621 $13,072,625
17 193 $133,239 $23,422 $109,817 $12,962,808
17 194 $133,239 $23,225 $110,014 $12,852,794
17 195 $133,239 $23,028 $110,211 $12,742,582
17 196 $133,239 $22,830 $110,409 $12,632,174
17 197 $133,239 $22,633 $110,607 $12,521,567
17 198 $133,239 $22,434 $110,805 $12,410,762
17 199 $133,239 $22,236 $111,003 $12,299,759
17 200 $133,239 $22,037 $111,202 $12,188,557
17 201 $133,239 $21,838 $111,401 $12,077,155
17 202 $133,239 $21,638 $111,601 $11,965,554
17 203 $133,239 $21,438 $111,801 $11,853,754
17 204 $133,239 $21,238 $112,001 $11,741,752
18 205 $133,239 $21,037 $112,202 $11,629,550
18 206 $133,239 $20,836 $112,403 $11,517,147
18 207 $133,239 $20,635 $112,604 $11,404,543
18 208 $133,239 $20,433 $112,806 $11,291,737
18 209 $133,239 $20,231 $113,008 $11,178,729
18 210 $133,239 $20,029 $113,211 $11,065,518
18 211 $133,239 $19,826 $113,414 $10,952,105
18 212 $133,239 $19,623 $113,617 $10,838,488
18 213 $133,239 $19,419 $113,820 $10,724,668
18 214 $133,239 $19,215 $114,024 $10,610,643
18 215 $133,239 $19,011 $114,228 $10,496,415
18 216 $133,239 $18,806 $114,433 $10,381,982
19 217 $133,239 $18,601 $114,638 $10,267,344
19 218 $133,239 $18,396 $114,844 $10,152,500
19 219 $133,239 $18,190 $115,049 $10,037,451
19 220 $133,239 $17,984 $115,255 $9,922,195
19 221 $133,239 $17,777 $115,462 $9,806,733
19 222 $133,239 $17,570 $115,669 $9,691,064
19 223 $133,239 $17,363 $115,876 $9,575,188
19 224 $133,239 $17,156 $116,084 $9,459,105
19 225 $133,239 $16,948 $116,292 $9,342,813
19 226 $133,239 $16,739 $116,500 $9,226,313
19 227 $133,239 $16,530 $116,709 $9,109,604
19 228 $133,239 $16,321 $116,918 $8,992,686
20 229 $133,239 $16,112 $117,127 $8,875,559
20 230 $133,239 $15,902 $117,337 $8,758,222
20 231 $133,239 $15,692 $117,547 $8,640,675
20 232 $133,239 $15,481 $117,758 $8,522,917
20 233 $133,239 $15,270 $117,969 $8,404,948
20 234 $133,239 $15,059 $118,180 $8,286,767
20 235 $133,239 $14,847 $118,392 $8,168,375
20 236 $133,239 $14,635 $118,604 $8,049,771
20 237 $133,239 $14,423 $118,817 $7,930,954
20 238 $133,239 $14,210 $119,030 $7,811,925
20 239 $133,239 $13,996 $119,243 $7,692,682
20 240 $133,239 $13,783 $119,457 $7,573,225
21 241 $133,239 $13,569 $119,671 $7,453,555
21 242 $133,239 $13,354 $119,885 $7,333,670
21 243 $133,239 $13,139 $120,100 $7,213,570
21 244 $133,239 $12,924 $120,315 $7,093,255
21 245 $133,239 $12,709 $120,530 $6,972,725
21 246 $133,239 $12,493 $120,746 $6,851,978
21 247 $133,239 $12,276 $120,963 $6,731,015
21 248 $133,239 $12,060 $121,179 $6,609,836
21 249 $133,239 $11,843 $121,397 $6,488,439
21 250 $133,239 $11,625 $121,614 $6,366,825
21 251 $133,239 $11,407 $121,832 $6,244,993
21 252 $133,239 $11,189 $122,050 $6,122,943
22 253 $133,239 $10,970 $122,269 $6,000,674
22 254 $133,239 $10,751 $122,488 $5,878,186
22 255 $133,239 $10,532 $122,707 $5,755,478
22 256 $133,239 $10,312 $122,927 $5,632,551
22 257 $133,239 $10,092 $123,148 $5,509,404
22 258 $133,239 $9,871 $123,368 $5,386,035
22 259 $133,239 $9,650 $123,589 $5,262,446
22 260 $133,239 $9,429 $123,811 $5,138,635
22 261 $133,239 $9,207 $124,033 $5,014,603
22 262 $133,239 $8,984 $124,255 $4,890,348
22 263 $133,239 $8,762 $124,477 $4,765,871
22 264 $133,239 $8,539 $124,700 $4,641,170
23 265 $133,239 $8,315 $124,924 $4,516,247
23 266 $133,239 $8,092 $125,148 $4,391,099
23 267 $133,239 $7,867 $125,372 $4,265,727
23 268 $133,239 $7,643 $125,596 $4,140,131
23 269 $133,239 $7,418 $125,821 $4,014,309
23 270 $133,239 $7,192 $126,047 $3,888,262
23 271 $133,239 $6,966 $126,273 $3,761,990
23 272 $133,239 $6,740 $126,499 $3,635,491
23 273 $133,239 $6,514 $126,726 $3,508,765
23 274 $133,239 $6,287 $126,953 $3,381,812
23 275 $133,239 $6,059 $127,180 $3,254,632
23 276 $133,239 $5,831 $127,408 $3,127,224
24 277 $133,239 $5,603 $127,636 $2,999,588
24 278 $133,239 $5,374 $127,865 $2,871,723
24 279 $133,239 $5,145 $128,094 $2,743,629
24 280 $133,239 $4,916 $128,324 $2,615,305
24 281 $133,239 $4,686 $128,553 $2,486,752
24 282 $133,239 $4,455 $128,784 $2,357,968
24 283 $133,239 $4,225 $129,015 $2,228,953
24 284 $133,239 $3,994 $129,246 $2,099,708
24 285 $133,239 $3,762 $129,477 $1,970,230
24 286 $133,239 $3,530 $129,709 $1,840,521
24 287 $133,239 $3,298 $129,942 $1,710,580
24 288 $133,239 $3,065 $130,174 $1,580,405
25 289 $133,239 $2,832 $130,408 $1,449,998
25 290 $133,239 $2,598 $130,641 $1,319,356
25 291 $133,239 $2,364 $130,875 $1,188,481
25 292 $133,239 $2,129 $131,110 $1,057,371
25 293 $133,239 $1,894 $131,345 $926,026
25 294 $133,239 $1,659 $131,580 $794,446
25 295 $133,239 $1,423 $131,816 $662,630
25 296 $133,239 $1,187 $132,052 $530,578
25 297 $133,239 $951 $132,289 $398,290
25 298 $133,239 $714 $132,526 $265,764
25 299 $133,239 $476 $132,763 $133,001
25 300 $133,239 $238 $133,001 $0