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$ 4,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 4,633,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$4,520,000
 
Monthly Repayment (HKD)
$29,235
Loan Amount (HKD)
$6,780,000
+
Total Interest (HKD)
$1,990,504
=
Total Repayment (HKD)
$8,770,504
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $29,235 $12,148 $17,088 $6,762,912
1 2 $29,235 $12,117 $17,118 $6,745,794
1 3 $29,235 $12,086 $17,149 $6,728,646
1 4 $29,235 $12,055 $17,180 $6,711,466
1 5 $29,235 $12,025 $17,210 $6,694,256
1 6 $29,235 $11,994 $17,241 $6,677,015
1 7 $29,235 $11,963 $17,272 $6,659,743
1 8 $29,235 $11,932 $17,303 $6,642,440
1 9 $29,235 $11,901 $17,334 $6,625,106
1 10 $29,235 $11,870 $17,365 $6,607,741
1 11 $29,235 $11,839 $17,396 $6,590,344
1 12 $29,235 $11,808 $17,427 $6,572,917
2 13 $29,235 $11,776 $17,459 $6,555,459
2 14 $29,235 $11,745 $17,490 $6,537,969
2 15 $29,235 $11,714 $17,521 $6,520,448
2 16 $29,235 $11,682 $17,553 $6,502,895
2 17 $29,235 $11,651 $17,584 $6,485,311
2 18 $29,235 $11,620 $17,615 $6,467,696
2 19 $29,235 $11,588 $17,647 $6,450,049
2 20 $29,235 $11,556 $17,679 $6,432,370
2 21 $29,235 $11,525 $17,710 $6,414,659
2 22 $29,235 $11,493 $17,742 $6,396,917
2 23 $29,235 $11,461 $17,774 $6,379,144
2 24 $29,235 $11,429 $17,806 $6,361,338
3 25 $29,235 $11,397 $17,838 $6,343,500
3 26 $29,235 $11,365 $17,870 $6,325,631
3 27 $29,235 $11,333 $17,902 $6,307,729
3 28 $29,235 $11,301 $17,934 $6,289,795
3 29 $29,235 $11,269 $17,966 $6,271,830
3 30 $29,235 $11,237 $17,998 $6,253,832
3 31 $29,235 $11,205 $18,030 $6,235,801
3 32 $29,235 $11,172 $18,063 $6,217,739
3 33 $29,235 $11,140 $18,095 $6,199,644
3 34 $29,235 $11,108 $18,127 $6,181,517
3 35 $29,235 $11,075 $18,160 $6,163,357
3 36 $29,235 $11,043 $18,192 $6,145,164
4 37 $29,235 $11,010 $18,225 $6,126,940
4 38 $29,235 $10,977 $18,258 $6,108,682
4 39 $29,235 $10,945 $18,290 $6,090,392
4 40 $29,235 $10,912 $18,323 $6,072,069
4 41 $29,235 $10,879 $18,356 $6,053,713
4 42 $29,235 $10,846 $18,389 $6,035,324
4 43 $29,235 $10,813 $18,422 $6,016,902
4 44 $29,235 $10,780 $18,455 $5,998,447
4 45 $29,235 $10,747 $18,488 $5,979,960
4 46 $29,235 $10,714 $18,521 $5,961,439
4 47 $29,235 $10,681 $18,554 $5,942,885
4 48 $29,235 $10,648 $18,587 $5,924,297
5 49 $29,235 $10,614 $18,621 $5,905,677
5 50 $29,235 $10,581 $18,654 $5,887,023
5 51 $29,235 $10,548 $18,687 $5,868,335
5 52 $29,235 $10,514 $18,721 $5,849,614
5 53 $29,235 $10,481 $18,754 $5,830,860
5 54 $29,235 $10,447 $18,788 $5,812,072
5 55 $29,235 $10,413 $18,822 $5,793,250
5 56 $29,235 $10,380 $18,855 $5,774,395
5 57 $29,235 $10,346 $18,889 $5,755,505
5 58 $29,235 $10,312 $18,923 $5,736,582
5 59 $29,235 $10,278 $18,957 $5,717,625
5 60 $29,235 $10,244 $18,991 $5,698,634
6 61 $29,235 $10,210 $19,025 $5,679,609
6 62 $29,235 $10,176 $19,059 $5,660,550
6 63 $29,235 $10,142 $19,093 $5,641,457
6 64 $29,235 $10,108 $19,127 $5,622,330
6 65 $29,235 $10,073 $19,162 $5,603,168
6 66 $29,235 $10,039 $19,196 $5,583,972
6 67 $29,235 $10,005 $19,230 $5,564,742
6 68 $29,235 $9,970 $19,265 $5,545,477
6 69 $29,235 $9,936 $19,299 $5,526,177
6 70 $29,235 $9,901 $19,334 $5,506,844
6 71 $29,235 $9,866 $19,369 $5,487,475
6 72 $29,235 $9,832 $19,403 $5,468,072
7 73 $29,235 $9,797 $19,438 $5,448,634
7 74 $29,235 $9,762 $19,473 $5,429,161
7 75 $29,235 $9,727 $19,508 $5,409,653
7 76 $29,235 $9,692 $19,543 $5,390,110
7 77 $29,235 $9,657 $19,578 $5,370,533
7 78 $29,235 $9,622 $19,613 $5,350,920
7 79 $29,235 $9,587 $19,648 $5,331,272
7 80 $29,235 $9,552 $19,683 $5,311,589
7 81 $29,235 $9,517 $19,718 $5,291,870
7 82 $29,235 $9,481 $19,754 $5,272,116
7 83 $29,235 $9,446 $19,789 $5,252,327
7 84 $29,235 $9,410 $19,825 $5,232,503
8 85 $29,235 $9,375 $19,860 $5,212,643
8 86 $29,235 $9,339 $19,896 $5,192,747
8 87 $29,235 $9,304 $19,931 $5,172,816
8 88 $29,235 $9,268 $19,967 $5,152,848
8 89 $29,235 $9,232 $20,003 $5,132,846
8 90 $29,235 $9,196 $20,039 $5,112,807
8 91 $29,235 $9,160 $20,075 $5,092,732
8 92 $29,235 $9,124 $20,111 $5,072,622
8 93 $29,235 $9,088 $20,147 $5,052,475
8 94 $29,235 $9,052 $20,183 $5,032,293
8 95 $29,235 $9,016 $20,219 $5,012,074
8 96 $29,235 $8,980 $20,255 $4,991,819
9 97 $29,235 $8,944 $20,291 $4,971,527
9 98 $29,235 $8,907 $20,328 $4,951,200
9 99 $29,235 $8,871 $20,364 $4,930,836
9 100 $29,235 $8,834 $20,401 $4,910,435
9 101 $29,235 $8,798 $20,437 $4,889,998
9 102 $29,235 $8,761 $20,474 $4,869,524
9 103 $29,235 $8,725 $20,510 $4,849,014
9 104 $29,235 $8,688 $20,547 $4,828,466
9 105 $29,235 $8,651 $20,584 $4,807,882
9 106 $29,235 $8,614 $20,621 $4,787,262
9 107 $29,235 $8,577 $20,658 $4,766,604
9 108 $29,235 $8,540 $20,695 $4,745,909
10 109 $29,235 $8,503 $20,732 $4,725,177
10 110 $29,235 $8,466 $20,769 $4,704,408
10 111 $29,235 $8,429 $20,806 $4,683,602
10 112 $29,235 $8,391 $20,844 $4,662,758
10 113 $29,235 $8,354 $20,881 $4,641,877
10 114 $29,235 $8,317 $20,918 $4,620,959
10 115 $29,235 $8,279 $20,956 $4,600,003
10 116 $29,235 $8,242 $20,993 $4,579,010
10 117 $29,235 $8,204 $21,031 $4,557,979
10 118 $29,235 $8,166 $21,069 $4,536,910
10 119 $29,235 $8,129 $21,106 $4,515,804
10 120 $29,235 $8,091 $21,144 $4,494,660
11 121 $29,235 $8,053 $21,182 $4,473,477
11 122 $29,235 $8,015 $21,220 $4,452,257
11 123 $29,235 $7,977 $21,258 $4,430,999
11 124 $29,235 $7,939 $21,296 $4,409,703
11 125 $29,235 $7,901 $21,334 $4,388,369
11 126 $29,235 $7,862 $21,373 $4,366,996
11 127 $29,235 $7,824 $21,411 $4,345,586
11 128 $29,235 $7,786 $21,449 $4,324,136
11 129 $29,235 $7,747 $21,488 $4,302,649
11 130 $29,235 $7,709 $21,526 $4,281,123
11 131 $29,235 $7,670 $21,565 $4,259,558
11 132 $29,235 $7,632 $21,603 $4,237,955
12 133 $29,235 $7,593 $21,642 $4,216,313
12 134 $29,235 $7,554 $21,681 $4,194,632
12 135 $29,235 $7,515 $21,720 $4,172,912
12 136 $29,235 $7,476 $21,759 $4,151,154
12 137 $29,235 $7,437 $21,798 $4,129,356
12 138 $29,235 $7,398 $21,837 $4,107,520
12 139 $29,235 $7,359 $21,876 $4,085,644
12 140 $29,235 $7,320 $21,915 $4,063,729
12 141 $29,235 $7,281 $21,954 $4,041,775
12 142 $29,235 $7,242 $21,994 $4,019,781
12 143 $29,235 $7,202 $22,033 $3,997,748
12 144 $29,235 $7,163 $22,072 $3,975,676
13 145 $29,235 $7,123 $22,112 $3,953,564
13 146 $29,235 $7,083 $22,152 $3,931,413
13 147 $29,235 $7,044 $22,191 $3,909,221
13 148 $29,235 $7,004 $22,231 $3,886,990
13 149 $29,235 $6,964 $22,271 $3,864,720
13 150 $29,235 $6,924 $22,311 $3,842,409
13 151 $29,235 $6,884 $22,351 $3,820,058
13 152 $29,235 $6,844 $22,391 $3,797,667
13 153 $29,235 $6,804 $22,431 $3,775,236
13 154 $29,235 $6,764 $22,471 $3,752,765
13 155 $29,235 $6,724 $22,511 $3,730,254
13 156 $29,235 $6,683 $22,552 $3,707,702
14 157 $29,235 $6,643 $22,592 $3,685,110
14 158 $29,235 $6,602 $22,633 $3,662,478
14 159 $29,235 $6,562 $22,673 $3,639,805
14 160 $29,235 $6,521 $22,714 $3,617,091
14 161 $29,235 $6,481 $22,754 $3,594,337
14 162 $29,235 $6,440 $22,795 $3,571,542
14 163 $29,235 $6,399 $22,836 $3,548,706
14 164 $29,235 $6,358 $22,877 $3,525,829
14 165 $29,235 $6,317 $22,918 $3,502,911
14 166 $29,235 $6,276 $22,959 $3,479,952
14 167 $29,235 $6,235 $23,000 $3,456,952
14 168 $29,235 $6,194 $23,041 $3,433,910
15 169 $29,235 $6,152 $23,083 $3,410,828
15 170 $29,235 $6,111 $23,124 $3,387,704
15 171 $29,235 $6,070 $23,165 $3,364,538
15 172 $29,235 $6,028 $23,207 $3,341,332
15 173 $29,235 $5,987 $23,248 $3,318,083
15 174 $29,235 $5,945 $23,290 $3,294,793
15 175 $29,235 $5,903 $23,332 $3,271,461
15 176 $29,235 $5,861 $23,374 $3,248,088
15 177 $29,235 $5,819 $23,416 $3,224,672
15 178 $29,235 $5,778 $23,457 $3,201,215
15 179 $29,235 $5,736 $23,500 $3,177,715
15 180 $29,235 $5,693 $23,542 $3,154,173
16 181 $29,235 $5,651 $23,584 $3,130,590
16 182 $29,235 $5,609 $23,626 $3,106,964
16 183 $29,235 $5,567 $23,668 $3,083,295
16 184 $29,235 $5,524 $23,711 $3,059,584
16 185 $29,235 $5,482 $23,753 $3,035,831
16 186 $29,235 $5,439 $23,796 $3,012,035
16 187 $29,235 $5,397 $23,838 $2,988,197
16 188 $29,235 $5,354 $23,881 $2,964,316
16 189 $29,235 $5,311 $23,924 $2,940,392
16 190 $29,235 $5,268 $23,967 $2,916,425
16 191 $29,235 $5,225 $24,010 $2,892,415
16 192 $29,235 $5,182 $24,053 $2,868,362
17 193 $29,235 $5,139 $24,096 $2,844,267
17 194 $29,235 $5,096 $24,139 $2,820,128
17 195 $29,235 $5,053 $24,182 $2,795,945
17 196 $29,235 $5,009 $24,226 $2,771,720
17 197 $29,235 $4,966 $24,269 $2,747,451
17 198 $29,235 $4,923 $24,312 $2,723,138
17 199 $29,235 $4,879 $24,356 $2,698,782
17 200 $29,235 $4,835 $24,400 $2,674,382
17 201 $29,235 $4,792 $24,443 $2,649,939
17 202 $29,235 $4,748 $24,487 $2,625,452
17 203 $29,235 $4,704 $24,531 $2,600,921
17 204 $29,235 $4,660 $24,575 $2,576,346
18 205 $29,235 $4,616 $24,619 $2,551,727
18 206 $29,235 $4,572 $24,663 $2,527,063
18 207 $29,235 $4,528 $24,707 $2,502,356
18 208 $29,235 $4,483 $24,752 $2,477,604
18 209 $29,235 $4,439 $24,796 $2,452,808
18 210 $29,235 $4,395 $24,840 $2,427,968
18 211 $29,235 $4,350 $24,885 $2,403,083
18 212 $29,235 $4,306 $24,929 $2,378,154
18 213 $29,235 $4,261 $24,974 $2,353,180
18 214 $29,235 $4,216 $25,019 $2,328,161
18 215 $29,235 $4,171 $25,064 $2,303,097
18 216 $29,235 $4,126 $25,109 $2,277,988
19 217 $29,235 $4,081 $25,154 $2,252,835
19 218 $29,235 $4,036 $25,199 $2,227,636
19 219 $29,235 $3,991 $25,244 $2,202,392
19 220 $29,235 $3,946 $25,289 $2,177,103
19 221 $29,235 $3,901 $25,334 $2,151,769
19 222 $29,235 $3,855 $25,380 $2,126,389
19 223 $29,235 $3,810 $25,425 $2,100,964
19 224 $29,235 $3,764 $25,471 $2,075,493
19 225 $29,235 $3,719 $25,516 $2,049,976
19 226 $29,235 $3,673 $25,562 $2,024,414
19 227 $29,235 $3,627 $25,608 $1,998,806
19 228 $29,235 $3,581 $25,654 $1,973,153
20 229 $29,235 $3,535 $25,700 $1,947,453
20 230 $29,235 $3,489 $25,746 $1,921,707
20 231 $29,235 $3,443 $25,792 $1,895,915
20 232 $29,235 $3,397 $25,838 $1,870,077
20 233 $29,235 $3,351 $25,884 $1,844,192
20 234 $29,235 $3,304 $25,931 $1,818,262
20 235 $29,235 $3,258 $25,977 $1,792,284
20 236 $29,235 $3,211 $26,024 $1,766,260
20 237 $29,235 $3,165 $26,070 $1,740,190
20 238 $29,235 $3,118 $26,117 $1,714,073
20 239 $29,235 $3,071 $26,164 $1,687,909
20 240 $29,235 $3,024 $26,211 $1,661,698
21 241 $29,235 $2,977 $26,258 $1,635,440
21 242 $29,235 $2,930 $26,305 $1,609,135
21 243 $29,235 $2,883 $26,352 $1,582,783
21 244 $29,235 $2,836 $26,399 $1,556,384
21 245 $29,235 $2,789 $26,446 $1,529,938
21 246 $29,235 $2,741 $26,494 $1,503,444
21 247 $29,235 $2,694 $26,541 $1,476,902
21 248 $29,235 $2,646 $26,589 $1,450,313
21 249 $29,235 $2,598 $26,637 $1,423,677
21 250 $29,235 $2,551 $26,684 $1,396,993
21 251 $29,235 $2,503 $26,732 $1,370,261
21 252 $29,235 $2,455 $26,780 $1,343,481
22 253 $29,235 $2,407 $26,828 $1,316,653
22 254 $29,235 $2,359 $26,876 $1,289,777
22 255 $29,235 $2,311 $26,924 $1,262,853
22 256 $29,235 $2,263 $26,972 $1,235,880
22 257 $29,235 $2,214 $27,021 $1,208,859
22 258 $29,235 $2,166 $27,069 $1,181,790
22 259 $29,235 $2,117 $27,118 $1,154,673
22 260 $29,235 $2,069 $27,166 $1,127,506
22 261 $29,235 $2,020 $27,215 $1,100,292
22 262 $29,235 $1,971 $27,264 $1,073,028
22 263 $29,235 $1,923 $27,313 $1,045,715
22 264 $29,235 $1,874 $27,361 $1,018,354
23 265 $29,235 $1,825 $27,410 $990,943
23 266 $29,235 $1,775 $27,460 $963,484
23 267 $29,235 $1,726 $27,509 $935,975
23 268 $29,235 $1,677 $27,558 $908,417
23 269 $29,235 $1,628 $27,607 $880,810
23 270 $29,235 $1,578 $27,657 $853,153
23 271 $29,235 $1,529 $27,706 $825,446
23 272 $29,235 $1,479 $27,756 $797,690
23 273 $29,235 $1,429 $27,806 $769,884
23 274 $29,235 $1,379 $27,856 $742,029
23 275 $29,235 $1,329 $27,906 $714,123
23 276 $29,235 $1,279 $27,956 $686,168
24 277 $29,235 $1,229 $28,006 $658,162
24 278 $29,235 $1,179 $28,056 $630,106
24 279 $29,235 $1,129 $28,106 $602,000
24 280 $29,235 $1,079 $28,156 $573,844
24 281 $29,235 $1,028 $28,207 $545,637
24 282 $29,235 $978 $28,257 $517,379
24 283 $29,235 $927 $28,308 $489,071
24 284 $29,235 $876 $28,359 $460,713
24 285 $29,235 $825 $28,410 $432,303
24 286 $29,235 $775 $28,460 $403,843
24 287 $29,235 $724 $28,511 $375,331
24 288 $29,235 $672 $28,563 $346,769
25 289 $29,235 $621 $28,614 $318,155
25 290 $29,235 $570 $28,665 $289,490
25 291 $29,235 $519 $28,716 $260,773
25 292 $29,235 $467 $28,768 $232,006
25 293 $29,235 $416 $28,819 $203,186
25 294 $29,235 $364 $28,871 $174,315
25 295 $29,235 $312 $28,923 $145,393
25 296 $29,235 $260 $28,975 $116,418
25 297 $29,235 $209 $29,026 $87,392
25 298 $29,235 $157 $29,078 $58,313
25 299 $29,235 $104 $29,131 $29,183
25 300 $29,235 $52 $29,183 $0