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$ 19,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 19,885,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$19,400,000
 
Monthly Repayment (HKD)
$125,478
Loan Amount (HKD)
$29,100,000
+
Total Interest (HKD)
$8,543,315
=
Total Repayment (HKD)
$37,643,315
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $125,478 $52,138 $73,340 $29,026,660
1 2 $125,478 $52,006 $73,472 $28,953,188
1 3 $125,478 $51,874 $73,603 $28,879,585
1 4 $125,478 $51,743 $73,735 $28,805,850
1 5 $125,478 $51,610 $73,867 $28,731,983
1 6 $125,478 $51,478 $74,000 $28,657,983
1 7 $125,478 $51,346 $74,132 $28,583,851
1 8 $125,478 $51,213 $74,265 $28,509,586
1 9 $125,478 $51,080 $74,398 $28,435,188
1 10 $125,478 $50,946 $74,531 $28,360,656
1 11 $125,478 $50,813 $74,665 $28,285,992
1 12 $125,478 $50,679 $74,799 $28,211,193
2 13 $125,478 $50,545 $74,933 $28,136,260
2 14 $125,478 $50,411 $75,067 $28,061,193
2 15 $125,478 $50,276 $75,201 $27,985,992
2 16 $125,478 $50,142 $75,336 $27,910,656
2 17 $125,478 $50,007 $75,471 $27,835,185
2 18 $125,478 $49,871 $75,606 $27,759,578
2 19 $125,478 $49,736 $75,742 $27,683,836
2 20 $125,478 $49,600 $75,878 $27,607,959
2 21 $125,478 $49,464 $76,013 $27,531,946
2 22 $125,478 $49,328 $76,150 $27,455,796
2 23 $125,478 $49,192 $76,286 $27,379,510
2 24 $125,478 $49,055 $76,423 $27,303,087
3 25 $125,478 $48,918 $76,560 $27,226,527
3 26 $125,478 $48,781 $76,697 $27,149,830
3 27 $125,478 $48,643 $76,834 $27,072,996
3 28 $125,478 $48,506 $76,972 $26,996,024
3 29 $125,478 $48,368 $77,110 $26,918,914
3 30 $125,478 $48,230 $77,248 $26,841,666
3 31 $125,478 $48,091 $77,386 $26,764,280
3 32 $125,478 $47,953 $77,525 $26,686,755
3 33 $125,478 $47,814 $77,664 $26,609,091
3 34 $125,478 $47,675 $77,803 $26,531,288
3 35 $125,478 $47,535 $77,942 $26,453,345
3 36 $125,478 $47,396 $78,082 $26,375,263
4 37 $125,478 $47,256 $78,222 $26,297,041
4 38 $125,478 $47,116 $78,362 $26,218,679
4 39 $125,478 $46,975 $78,503 $26,140,177
4 40 $125,478 $46,834 $78,643 $26,061,533
4 41 $125,478 $46,694 $78,784 $25,982,749
4 42 $125,478 $46,552 $78,925 $25,903,824
4 43 $125,478 $46,411 $79,067 $25,824,757
4 44 $125,478 $46,269 $79,208 $25,745,549
4 45 $125,478 $46,127 $79,350 $25,666,199
4 46 $125,478 $45,985 $79,492 $25,586,706
4 47 $125,478 $45,843 $79,635 $25,507,071
4 48 $125,478 $45,700 $79,778 $25,427,294
5 49 $125,478 $45,557 $79,920 $25,347,373
5 50 $125,478 $45,414 $80,064 $25,267,309
5 51 $125,478 $45,271 $80,207 $25,187,102
5 52 $125,478 $45,127 $80,351 $25,106,752
5 53 $125,478 $44,983 $80,495 $25,026,257
5 54 $125,478 $44,839 $80,639 $24,945,618
5 55 $125,478 $44,694 $80,783 $24,864,834
5 56 $125,478 $44,549 $80,928 $24,783,906
5 57 $125,478 $44,404 $81,073 $24,702,833
5 58 $125,478 $44,259 $81,218 $24,621,614
5 59 $125,478 $44,114 $81,364 $24,540,250
5 60 $125,478 $43,968 $81,510 $24,458,741
6 61 $125,478 $43,822 $81,656 $24,377,085
6 62 $125,478 $43,676 $81,802 $24,295,283
6 63 $125,478 $43,529 $81,949 $24,213,334
6 64 $125,478 $43,382 $82,095 $24,131,238
6 65 $125,478 $43,235 $82,243 $24,048,996
6 66 $125,478 $43,088 $82,390 $23,966,606
6 67 $125,478 $42,940 $82,538 $23,884,068
6 68 $125,478 $42,792 $82,685 $23,801,383
6 69 $125,478 $42,644 $82,834 $23,718,549
6 70 $125,478 $42,496 $82,982 $23,635,567
6 71 $125,478 $42,347 $83,131 $23,552,437
6 72 $125,478 $42,198 $83,280 $23,469,157
7 73 $125,478 $42,049 $83,429 $23,385,728
7 74 $125,478 $41,899 $83,578 $23,302,150
7 75 $125,478 $41,750 $83,728 $23,218,422
7 76 $125,478 $41,600 $83,878 $23,134,544
7 77 $125,478 $41,449 $84,028 $23,050,516
7 78 $125,478 $41,299 $84,179 $22,966,337
7 79 $125,478 $41,148 $84,330 $22,882,007
7 80 $125,478 $40,997 $84,481 $22,797,526
7 81 $125,478 $40,846 $84,632 $22,712,894
7 82 $125,478 $40,694 $84,784 $22,628,110
7 83 $125,478 $40,542 $84,936 $22,543,175
7 84 $125,478 $40,390 $85,088 $22,458,087
8 85 $125,478 $40,237 $85,240 $22,372,847
8 86 $125,478 $40,085 $85,393 $22,287,453
8 87 $125,478 $39,932 $85,546 $22,201,907
8 88 $125,478 $39,778 $85,699 $22,116,208
8 89 $125,478 $39,625 $85,853 $22,030,355
8 90 $125,478 $39,471 $86,007 $21,944,349
8 91 $125,478 $39,317 $86,161 $21,858,188
8 92 $125,478 $39,163 $86,315 $21,771,873
8 93 $125,478 $39,008 $86,470 $21,685,403
8 94 $125,478 $38,853 $86,625 $21,598,778
8 95 $125,478 $38,698 $86,780 $21,511,998
8 96 $125,478 $38,542 $86,935 $21,425,063
9 97 $125,478 $38,387 $87,091 $21,337,972
9 98 $125,478 $38,231 $87,247 $21,250,725
9 99 $125,478 $38,074 $87,404 $21,163,321
9 100 $125,478 $37,918 $87,560 $21,075,761
9 101 $125,478 $37,761 $87,717 $20,988,044
9 102 $125,478 $37,604 $87,874 $20,900,170
9 103 $125,478 $37,446 $88,032 $20,812,138
9 104 $125,478 $37,288 $88,189 $20,723,949
9 105 $125,478 $37,130 $88,347 $20,635,602
9 106 $125,478 $36,972 $88,506 $20,547,096
9 107 $125,478 $36,814 $88,664 $20,458,432
9 108 $125,478 $36,655 $88,823 $20,369,609
10 109 $125,478 $36,496 $88,982 $20,280,627
10 110 $125,478 $36,336 $89,142 $20,191,485
10 111 $125,478 $36,176 $89,301 $20,102,184
10 112 $125,478 $36,016 $89,461 $20,012,723
10 113 $125,478 $35,856 $89,622 $19,923,101
10 114 $125,478 $35,696 $89,782 $19,833,319
10 115 $125,478 $35,535 $89,943 $19,743,376
10 116 $125,478 $35,374 $90,104 $19,653,272
10 117 $125,478 $35,212 $90,266 $19,563,006
10 118 $125,478 $35,050 $90,427 $19,472,579
10 119 $125,478 $34,888 $90,589 $19,381,989
10 120 $125,478 $34,726 $90,752 $19,291,238
11 121 $125,478 $34,563 $90,914 $19,200,323
11 122 $125,478 $34,401 $91,077 $19,109,246
11 123 $125,478 $34,237 $91,240 $19,018,006
11 124 $125,478 $34,074 $91,404 $18,926,602
11 125 $125,478 $33,910 $91,568 $18,835,035
11 126 $125,478 $33,746 $91,732 $18,743,303
11 127 $125,478 $33,582 $91,896 $18,651,407
11 128 $125,478 $33,417 $92,061 $18,559,346
11 129 $125,478 $33,252 $92,226 $18,467,121
11 130 $125,478 $33,087 $92,391 $18,374,730
11 131 $125,478 $32,921 $92,556 $18,282,174
11 132 $125,478 $32,756 $92,722 $18,189,452
12 133 $125,478 $32,589 $92,888 $18,096,563
12 134 $125,478 $32,423 $93,055 $18,003,509
12 135 $125,478 $32,256 $93,221 $17,910,287
12 136 $125,478 $32,089 $93,388 $17,816,899
12 137 $125,478 $31,922 $93,556 $17,723,343
12 138 $125,478 $31,754 $93,723 $17,629,620
12 139 $125,478 $31,586 $93,891 $17,535,728
12 140 $125,478 $31,418 $94,060 $17,441,669
12 141 $125,478 $31,250 $94,228 $17,347,441
12 142 $125,478 $31,081 $94,397 $17,253,044
12 143 $125,478 $30,912 $94,566 $17,158,478
12 144 $125,478 $30,742 $94,735 $17,063,742
13 145 $125,478 $30,573 $94,905 $16,968,837
13 146 $125,478 $30,402 $95,075 $16,873,762
13 147 $125,478 $30,232 $95,246 $16,778,516
13 148 $125,478 $30,062 $95,416 $16,683,100
13 149 $125,478 $29,891 $95,587 $16,587,513
13 150 $125,478 $29,719 $95,758 $16,491,755
13 151 $125,478 $29,548 $95,930 $16,395,825
13 152 $125,478 $29,376 $96,102 $16,299,723
13 153 $125,478 $29,204 $96,274 $16,203,449
13 154 $125,478 $29,031 $96,447 $16,107,002
13 155 $125,478 $28,858 $96,619 $16,010,383
13 156 $125,478 $28,685 $96,792 $15,913,590
14 157 $125,478 $28,512 $96,966 $15,816,624
14 158 $125,478 $28,338 $97,140 $15,719,485
14 159 $125,478 $28,164 $97,314 $15,622,171
14 160 $125,478 $27,990 $97,488 $15,524,683
14 161 $125,478 $27,815 $97,663 $15,427,021
14 162 $125,478 $27,640 $97,838 $15,329,183
14 163 $125,478 $27,465 $98,013 $15,231,170
14 164 $125,478 $27,289 $98,189 $15,132,981
14 165 $125,478 $27,113 $98,364 $15,034,617
14 166 $125,478 $26,937 $98,541 $14,936,076
14 167 $125,478 $26,760 $98,717 $14,837,359
14 168 $125,478 $26,584 $98,894 $14,738,465
15 169 $125,478 $26,406 $99,071 $14,639,394
15 170 $125,478 $26,229 $99,249 $14,540,145
15 171 $125,478 $26,051 $99,427 $14,440,718
15 172 $125,478 $25,873 $99,605 $14,341,113
15 173 $125,478 $25,694 $99,783 $14,241,330
15 174 $125,478 $25,516 $99,962 $14,141,368
15 175 $125,478 $25,337 $100,141 $14,041,227
15 176 $125,478 $25,157 $100,321 $13,940,907
15 177 $125,478 $24,977 $100,500 $13,840,406
15 178 $125,478 $24,797 $100,680 $13,739,726
15 179 $125,478 $24,617 $100,861 $13,638,865
15 180 $125,478 $24,436 $101,041 $13,537,824
16 181 $125,478 $24,255 $101,222 $13,436,601
16 182 $125,478 $24,074 $101,404 $13,335,198
16 183 $125,478 $23,892 $101,585 $13,233,612
16 184 $125,478 $23,710 $101,767 $13,131,845
16 185 $125,478 $23,528 $101,950 $13,029,895
16 186 $125,478 $23,345 $102,132 $12,927,762
16 187 $125,478 $23,162 $102,315 $12,825,447
16 188 $125,478 $22,979 $102,499 $12,722,948
16 189 $125,478 $22,795 $102,682 $12,620,266
16 190 $125,478 $22,611 $102,866 $12,517,399
16 191 $125,478 $22,427 $103,051 $12,414,349
16 192 $125,478 $22,242 $103,235 $12,311,113
17 193 $125,478 $22,057 $103,420 $12,207,693
17 194 $125,478 $21,872 $103,606 $12,104,087
17 195 $125,478 $21,686 $103,791 $12,000,296
17 196 $125,478 $21,501 $103,977 $11,896,319
17 197 $125,478 $21,314 $104,163 $11,792,155
17 198 $125,478 $21,128 $104,350 $11,687,805
17 199 $125,478 $20,941 $104,537 $11,583,268
17 200 $125,478 $20,753 $104,724 $11,478,544
17 201 $125,478 $20,566 $104,912 $11,373,632
17 202 $125,478 $20,378 $105,100 $11,268,532
17 203 $125,478 $20,189 $105,288 $11,163,244
17 204 $125,478 $20,001 $105,477 $11,057,767
18 205 $125,478 $19,812 $105,666 $10,952,101
18 206 $125,478 $19,623 $105,855 $10,846,246
18 207 $125,478 $19,433 $106,045 $10,740,201
18 208 $125,478 $19,243 $106,235 $10,633,966
18 209 $125,478 $19,053 $106,425 $10,527,541
18 210 $125,478 $18,862 $106,616 $10,420,925
18 211 $125,478 $18,671 $106,807 $10,314,118
18 212 $125,478 $18,479 $106,998 $10,207,120
18 213 $125,478 $18,288 $107,190 $10,099,930
18 214 $125,478 $18,096 $107,382 $9,992,548
18 215 $125,478 $17,903 $107,574 $9,884,973
18 216 $125,478 $17,711 $107,767 $9,777,206
19 217 $125,478 $17,517 $107,960 $9,669,246
19 218 $125,478 $17,324 $108,154 $9,561,092
19 219 $125,478 $17,130 $108,347 $9,452,745
19 220 $125,478 $16,936 $108,542 $9,344,203
19 221 $125,478 $16,742 $108,736 $9,235,467
19 222 $125,478 $16,547 $108,931 $9,126,536
19 223 $125,478 $16,352 $109,126 $9,017,410
19 224 $125,478 $16,156 $109,322 $8,908,089
19 225 $125,478 $15,960 $109,517 $8,798,572
19 226 $125,478 $15,764 $109,714 $8,688,858
19 227 $125,478 $15,568 $109,910 $8,578,948
19 228 $125,478 $15,371 $110,107 $8,468,841
20 229 $125,478 $15,173 $110,304 $8,358,536
20 230 $125,478 $14,976 $110,502 $8,248,034
20 231 $125,478 $14,778 $110,700 $8,137,334
20 232 $125,478 $14,579 $110,898 $8,026,436
20 233 $125,478 $14,381 $111,097 $7,915,339
20 234 $125,478 $14,182 $111,296 $7,804,043
20 235 $125,478 $13,982 $111,495 $7,692,547
20 236 $125,478 $13,782 $111,695 $7,580,852
20 237 $125,478 $13,582 $111,895 $7,468,957
20 238 $125,478 $13,382 $112,096 $7,356,861
20 239 $125,478 $13,181 $112,297 $7,244,564
20 240 $125,478 $12,980 $112,498 $7,132,066
21 241 $125,478 $12,778 $112,699 $7,019,367
21 242 $125,478 $12,576 $112,901 $6,906,466
21 243 $125,478 $12,374 $113,104 $6,793,362
21 244 $125,478 $12,171 $113,306 $6,680,056
21 245 $125,478 $11,968 $113,509 $6,566,546
21 246 $125,478 $11,765 $113,713 $6,452,834
21 247 $125,478 $11,561 $113,916 $6,338,917
21 248 $125,478 $11,357 $114,120 $6,224,797
21 249 $125,478 $11,153 $114,325 $6,110,472
21 250 $125,478 $10,948 $114,530 $5,995,942
21 251 $125,478 $10,743 $114,735 $5,881,207
21 252 $125,478 $10,537 $114,941 $5,766,267
22 253 $125,478 $10,331 $115,146 $5,651,120
22 254 $125,478 $10,125 $115,353 $5,535,767
22 255 $125,478 $9,918 $115,559 $5,420,208
22 256 $125,478 $9,711 $115,767 $5,304,441
22 257 $125,478 $9,504 $115,974 $5,188,467
22 258 $125,478 $9,296 $116,182 $5,072,286
22 259 $125,478 $9,088 $116,390 $4,955,896
22 260 $125,478 $8,879 $116,598 $4,839,297
22 261 $125,478 $8,670 $116,807 $4,722,490
22 262 $125,478 $8,461 $117,017 $4,605,474
22 263 $125,478 $8,251 $117,226 $4,488,247
22 264 $125,478 $8,041 $117,436 $4,370,811
23 265 $125,478 $7,831 $117,647 $4,253,164
23 266 $125,478 $7,620 $117,857 $4,135,307
23 267 $125,478 $7,409 $118,069 $4,017,238
23 268 $125,478 $7,198 $118,280 $3,898,958
23 269 $125,478 $6,986 $118,492 $3,780,466
23 270 $125,478 $6,773 $118,704 $3,661,762
23 271 $125,478 $6,561 $118,917 $3,542,845
23 272 $125,478 $6,348 $119,130 $3,423,714
23 273 $125,478 $6,134 $119,344 $3,304,371
23 274 $125,478 $5,920 $119,557 $3,184,813
23 275 $125,478 $5,706 $119,772 $3,065,042
23 276 $125,478 $5,492 $119,986 $2,945,056
24 277 $125,478 $5,277 $120,201 $2,824,855
24 278 $125,478 $5,061 $120,417 $2,704,438
24 279 $125,478 $4,845 $120,632 $2,583,806
24 280 $125,478 $4,629 $120,848 $2,462,957
24 281 $125,478 $4,413 $121,065 $2,341,892
24 282 $125,478 $4,196 $121,282 $2,220,611
24 283 $125,478 $3,979 $121,499 $2,099,111
24 284 $125,478 $3,761 $121,717 $1,977,395
24 285 $125,478 $3,543 $121,935 $1,855,460
24 286 $125,478 $3,324 $122,153 $1,733,306
24 287 $125,478 $3,106 $122,372 $1,610,934
24 288 $125,478 $2,886 $122,591 $1,488,343
25 289 $125,478 $2,667 $122,811 $1,365,532
25 290 $125,478 $2,447 $123,031 $1,242,500
25 291 $125,478 $2,226 $123,252 $1,119,249
25 292 $125,478 $2,005 $123,472 $995,777
25 293 $125,478 $1,784 $123,694 $872,083
25 294 $125,478 $1,562 $123,915 $748,168
25 295 $125,478 $1,340 $124,137 $624,030
25 296 $125,478 $1,118 $124,360 $499,671
25 297 $125,478 $895 $124,582 $375,088
25 298 $125,478 $672 $124,806 $250,283
25 299 $125,478 $448 $125,029 $125,253
25 300 $125,478 $224 $125,253 $0