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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$ 12,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 12,915,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$12,600,000
 
Monthly Repayment (HKD)
$81,496
Loan Amount (HKD)
$18,900,000
+
Total Interest (HKD)
$5,548,751
=
Total Repayment (HKD)
$24,448,751
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $81,496 $33,863 $47,633 $18,852,367
1 2 $81,496 $33,777 $47,719 $18,804,648
1 3 $81,496 $33,692 $47,804 $18,756,844
1 4 $81,496 $33,606 $47,890 $18,708,954
1 5 $81,496 $33,520 $47,976 $18,660,978
1 6 $81,496 $33,434 $48,062 $18,612,917
1 7 $81,496 $33,348 $48,148 $18,564,769
1 8 $81,496 $33,262 $48,234 $18,516,535
1 9 $81,496 $33,175 $48,320 $18,468,215
1 10 $81,496 $33,089 $48,407 $18,419,808
1 11 $81,496 $33,002 $48,494 $18,371,314
1 12 $81,496 $32,915 $48,581 $18,322,734
2 13 $81,496 $32,828 $48,668 $18,274,066
2 14 $81,496 $32,741 $48,755 $18,225,311
2 15 $81,496 $32,654 $48,842 $18,176,469
2 16 $81,496 $32,566 $48,930 $18,127,539
2 17 $81,496 $32,479 $49,017 $18,078,522
2 18 $81,496 $32,391 $49,105 $18,029,417
2 19 $81,496 $32,303 $49,193 $17,980,224
2 20 $81,496 $32,215 $49,281 $17,930,942
2 21 $81,496 $32,126 $49,370 $17,881,573
2 22 $81,496 $32,038 $49,458 $17,832,115
2 23 $81,496 $31,949 $49,547 $17,782,568
2 24 $81,496 $31,860 $49,635 $17,732,933
3 25 $81,496 $31,772 $49,724 $17,683,208
3 26 $81,496 $31,682 $49,813 $17,633,395
3 27 $81,496 $31,593 $49,903 $17,583,492
3 28 $81,496 $31,504 $49,992 $17,533,500
3 29 $81,496 $31,414 $50,082 $17,483,419
3 30 $81,496 $31,324 $50,171 $17,433,247
3 31 $81,496 $31,235 $50,261 $17,382,986
3 32 $81,496 $31,145 $50,351 $17,332,635
3 33 $81,496 $31,054 $50,442 $17,282,193
3 34 $81,496 $30,964 $50,532 $17,231,661
3 35 $81,496 $30,873 $50,622 $17,181,039
3 36 $81,496 $30,783 $50,713 $17,130,326
4 37 $81,496 $30,692 $50,804 $17,079,522
4 38 $81,496 $30,601 $50,895 $17,028,627
4 39 $81,496 $30,510 $50,986 $16,977,640
4 40 $81,496 $30,418 $51,078 $16,926,563
4 41 $81,496 $30,327 $51,169 $16,875,394
4 42 $81,496 $30,235 $51,261 $16,824,133
4 43 $81,496 $30,143 $51,353 $16,772,780
4 44 $81,496 $30,051 $51,445 $16,721,336
4 45 $81,496 $29,959 $51,537 $16,669,799
4 46 $81,496 $29,867 $51,629 $16,618,170
4 47 $81,496 $29,774 $51,722 $16,566,448
4 48 $81,496 $29,682 $51,814 $16,514,634
5 49 $81,496 $29,589 $51,907 $16,462,727
5 50 $81,496 $29,496 $52,000 $16,410,727
5 51 $81,496 $29,403 $52,093 $16,358,633
5 52 $81,496 $29,309 $52,187 $16,306,447
5 53 $81,496 $29,216 $52,280 $16,254,167
5 54 $81,496 $29,122 $52,374 $16,201,793
5 55 $81,496 $29,028 $52,468 $16,149,325
5 56 $81,496 $28,934 $52,562 $16,096,764
5 57 $81,496 $28,840 $52,656 $16,044,108
5 58 $81,496 $28,746 $52,750 $15,991,358
5 59 $81,496 $28,651 $52,845 $15,938,513
5 60 $81,496 $28,557 $52,939 $15,885,574
6 61 $81,496 $28,462 $53,034 $15,832,540
6 62 $81,496 $28,367 $53,129 $15,779,410
6 63 $81,496 $28,271 $53,224 $15,726,186
6 64 $81,496 $28,176 $53,320 $15,672,866
6 65 $81,496 $28,081 $53,415 $15,619,451
6 66 $81,496 $27,985 $53,511 $15,565,940
6 67 $81,496 $27,889 $53,607 $15,512,333
6 68 $81,496 $27,793 $53,703 $15,458,630
6 69 $81,496 $27,697 $53,799 $15,404,831
6 70 $81,496 $27,600 $53,896 $15,350,936
6 71 $81,496 $27,504 $53,992 $15,296,943
6 72 $81,496 $27,407 $54,089 $15,242,855
7 73 $81,496 $27,310 $54,186 $15,188,669
7 74 $81,496 $27,213 $54,283 $15,134,386
7 75 $81,496 $27,116 $54,380 $15,080,006
7 76 $81,496 $27,018 $54,477 $15,025,529
7 77 $81,496 $26,921 $54,575 $14,970,953
7 78 $81,496 $26,823 $54,673 $14,916,281
7 79 $81,496 $26,725 $54,771 $14,861,510
7 80 $81,496 $26,627 $54,869 $14,806,641
7 81 $81,496 $26,529 $54,967 $14,751,674
7 82 $81,496 $26,430 $55,066 $14,696,608
7 83 $81,496 $26,331 $55,164 $14,641,443
7 84 $81,496 $26,233 $55,263 $14,586,180
8 85 $81,496 $26,134 $55,362 $14,530,818
8 86 $81,496 $26,034 $55,461 $14,475,356
8 87 $81,496 $25,935 $55,561 $14,419,796
8 88 $81,496 $25,835 $55,660 $14,364,135
8 89 $81,496 $25,736 $55,760 $14,308,375
8 90 $81,496 $25,636 $55,860 $14,252,515
8 91 $81,496 $25,536 $55,960 $14,196,555
8 92 $81,496 $25,435 $56,060 $14,140,495
8 93 $81,496 $25,335 $56,161 $14,084,334
8 94 $81,496 $25,234 $56,261 $14,028,072
8 95 $81,496 $25,134 $56,362 $13,971,710
8 96 $81,496 $25,033 $56,463 $13,915,247
9 97 $81,496 $24,931 $56,564 $13,858,683
9 98 $81,496 $24,830 $56,666 $13,802,017
9 99 $81,496 $24,729 $56,767 $13,745,250
9 100 $81,496 $24,627 $56,869 $13,688,381
9 101 $81,496 $24,525 $56,971 $13,631,410
9 102 $81,496 $24,423 $57,073 $13,574,337
9 103 $81,496 $24,321 $57,175 $13,517,162
9 104 $81,496 $24,218 $57,278 $13,459,884
9 105 $81,496 $24,116 $57,380 $13,402,504
9 106 $81,496 $24,013 $57,483 $13,345,021
9 107 $81,496 $23,910 $57,586 $13,287,435
9 108 $81,496 $23,807 $57,689 $13,229,746
10 109 $81,496 $23,703 $57,793 $13,171,953
10 110 $81,496 $23,600 $57,896 $13,114,057
10 111 $81,496 $23,496 $58,000 $13,056,058
10 112 $81,496 $23,392 $58,104 $12,997,954
10 113 $81,496 $23,288 $58,208 $12,939,746
10 114 $81,496 $23,184 $58,312 $12,881,434
10 115 $81,496 $23,079 $58,417 $12,823,017
10 116 $81,496 $22,975 $58,521 $12,764,496
10 117 $81,496 $22,870 $58,626 $12,705,870
10 118 $81,496 $22,765 $58,731 $12,647,139
10 119 $81,496 $22,659 $58,836 $12,588,302
10 120 $81,496 $22,554 $58,942 $12,529,361
11 121 $81,496 $22,448 $59,047 $12,470,313
11 122 $81,496 $22,343 $59,153 $12,411,160
11 123 $81,496 $22,237 $59,259 $12,351,901
11 124 $81,496 $22,130 $59,365 $12,292,535
11 125 $81,496 $22,024 $59,472 $12,233,064
11 126 $81,496 $21,918 $59,578 $12,173,485
11 127 $81,496 $21,811 $59,685 $12,113,800
11 128 $81,496 $21,704 $59,792 $12,054,009
11 129 $81,496 $21,597 $59,899 $11,994,109
11 130 $81,496 $21,489 $60,006 $11,934,103
11 131 $81,496 $21,382 $60,114 $11,873,989
11 132 $81,496 $21,274 $60,222 $11,813,768
12 133 $81,496 $21,166 $60,330 $11,753,438
12 134 $81,496 $21,058 $60,438 $11,693,000
12 135 $81,496 $20,950 $60,546 $11,632,455
12 136 $81,496 $20,841 $60,654 $11,571,800
12 137 $81,496 $20,733 $60,763 $11,511,037
12 138 $81,496 $20,624 $60,872 $11,450,165
12 139 $81,496 $20,515 $60,981 $11,389,184
12 140 $81,496 $20,406 $61,090 $11,328,094
12 141 $81,496 $20,296 $61,200 $11,266,894
12 142 $81,496 $20,187 $61,309 $11,205,585
12 143 $81,496 $20,077 $61,419 $11,144,166
12 144 $81,496 $19,967 $61,529 $11,082,637
13 145 $81,496 $19,856 $61,639 $11,020,997
13 146 $81,496 $19,746 $61,750 $10,959,247
13 147 $81,496 $19,635 $61,861 $10,897,387
13 148 $81,496 $19,524 $61,971 $10,835,416
13 149 $81,496 $19,413 $62,082 $10,773,333
13 150 $81,496 $19,302 $62,194 $10,711,140
13 151 $81,496 $19,191 $62,305 $10,648,835
13 152 $81,496 $19,079 $62,417 $10,586,418
13 153 $81,496 $18,967 $62,529 $10,523,889
13 154 $81,496 $18,855 $62,641 $10,461,249
13 155 $81,496 $18,743 $62,753 $10,398,496
13 156 $81,496 $18,631 $62,865 $10,335,631
14 157 $81,496 $18,518 $62,978 $10,272,653
14 158 $81,496 $18,405 $63,091 $10,209,562
14 159 $81,496 $18,292 $63,204 $10,146,359
14 160 $81,496 $18,179 $63,317 $10,083,042
14 161 $81,496 $18,065 $63,430 $10,019,611
14 162 $81,496 $17,952 $63,544 $9,956,067
14 163 $81,496 $17,838 $63,658 $9,892,409
14 164 $81,496 $17,724 $63,772 $9,828,637
14 165 $81,496 $17,610 $63,886 $9,764,751
14 166 $81,496 $17,495 $64,001 $9,700,751
14 167 $81,496 $17,381 $64,115 $9,636,635
14 168 $81,496 $17,266 $64,230 $9,572,405
15 169 $81,496 $17,151 $64,345 $9,508,060
15 170 $81,496 $17,035 $64,461 $9,443,599
15 171 $81,496 $16,920 $64,576 $9,379,023
15 172 $81,496 $16,804 $64,692 $9,314,331
15 173 $81,496 $16,688 $64,808 $9,249,524
15 174 $81,496 $16,572 $64,924 $9,184,600
15 175 $81,496 $16,456 $65,040 $9,119,560
15 176 $81,496 $16,339 $65,157 $9,054,403
15 177 $81,496 $16,222 $65,273 $8,989,130
15 178 $81,496 $16,106 $65,390 $8,923,740
15 179 $81,496 $15,988 $65,507 $8,858,232
15 180 $81,496 $15,871 $65,625 $8,792,607
16 181 $81,496 $15,753 $65,742 $8,726,865
16 182 $81,496 $15,636 $65,860 $8,661,005
16 183 $81,496 $15,518 $65,978 $8,595,026
16 184 $81,496 $15,399 $66,096 $8,528,930
16 185 $81,496 $15,281 $66,215 $8,462,715
16 186 $81,496 $15,162 $66,333 $8,396,382
16 187 $81,496 $15,044 $66,452 $8,329,929
16 188 $81,496 $14,924 $66,571 $8,263,358
16 189 $81,496 $14,805 $66,691 $8,196,667
16 190 $81,496 $14,686 $66,810 $8,129,857
16 191 $81,496 $14,566 $66,930 $8,062,927
16 192 $81,496 $14,446 $67,050 $7,995,878
17 193 $81,496 $14,326 $67,170 $7,928,708
17 194 $81,496 $14,206 $67,290 $7,861,417
17 195 $81,496 $14,085 $67,411 $7,794,007
17 196 $81,496 $13,964 $67,532 $7,726,475
17 197 $81,496 $13,843 $67,653 $7,658,823
17 198 $81,496 $13,722 $67,774 $7,591,049
17 199 $81,496 $13,601 $67,895 $7,523,154
17 200 $81,496 $13,479 $68,017 $7,455,137
17 201 $81,496 $13,357 $68,139 $7,386,998
17 202 $81,496 $13,235 $68,261 $7,318,737
17 203 $81,496 $13,113 $68,383 $7,250,354
17 204 $81,496 $12,990 $68,506 $7,181,848
18 205 $81,496 $12,867 $68,628 $7,113,220
18 206 $81,496 $12,745 $68,751 $7,044,469
18 207 $81,496 $12,621 $68,874 $6,975,594
18 208 $81,496 $12,498 $68,998 $6,906,596
18 209 $81,496 $12,374 $69,122 $6,837,475
18 210 $81,496 $12,250 $69,245 $6,768,230
18 211 $81,496 $12,126 $69,369 $6,698,860
18 212 $81,496 $12,002 $69,494 $6,629,366
18 213 $81,496 $11,878 $69,618 $6,559,748
18 214 $81,496 $11,753 $69,743 $6,490,005
18 215 $81,496 $11,628 $69,868 $6,420,137
18 216 $81,496 $11,503 $69,993 $6,350,144
19 217 $81,496 $11,377 $70,118 $6,280,026
19 218 $81,496 $11,252 $70,244 $6,209,782
19 219 $81,496 $11,126 $70,370 $6,139,412
19 220 $81,496 $11,000 $70,496 $6,068,916
19 221 $81,496 $10,873 $70,622 $5,998,293
19 222 $81,496 $10,747 $70,749 $5,927,544
19 223 $81,496 $10,620 $70,876 $5,856,669
19 224 $81,496 $10,493 $71,003 $5,785,666
19 225 $81,496 $10,366 $71,130 $5,714,536
19 226 $81,496 $10,239 $71,257 $5,643,279
19 227 $81,496 $10,111 $71,385 $5,571,894
19 228 $81,496 $9,983 $71,513 $5,500,381
20 229 $81,496 $9,855 $71,641 $5,428,740
20 230 $81,496 $9,726 $71,769 $5,356,971
20 231 $81,496 $9,598 $71,898 $5,285,073
20 232 $81,496 $9,469 $72,027 $5,213,046
20 233 $81,496 $9,340 $72,156 $5,140,890
20 234 $81,496 $9,211 $72,285 $5,068,605
20 235 $81,496 $9,081 $72,415 $4,996,191
20 236 $81,496 $8,952 $72,544 $4,923,646
20 237 $81,496 $8,822 $72,674 $4,850,972
20 238 $81,496 $8,691 $72,805 $4,778,167
20 239 $81,496 $8,561 $72,935 $4,705,232
20 240 $81,496 $8,430 $73,066 $4,632,167
21 241 $81,496 $8,299 $73,197 $4,558,970
21 242 $81,496 $8,168 $73,328 $4,485,643
21 243 $81,496 $8,037 $73,459 $4,412,184
21 244 $81,496 $7,905 $73,591 $4,338,593
21 245 $81,496 $7,773 $73,723 $4,264,870
21 246 $81,496 $7,641 $73,855 $4,191,016
21 247 $81,496 $7,509 $73,987 $4,117,029
21 248 $81,496 $7,376 $74,119 $4,042,909
21 249 $81,496 $7,244 $74,252 $3,968,657
21 250 $81,496 $7,111 $74,385 $3,894,272
21 251 $81,496 $6,977 $74,519 $3,819,753
21 252 $81,496 $6,844 $74,652 $3,745,101
22 253 $81,496 $6,710 $74,786 $3,670,315
22 254 $81,496 $6,576 $74,920 $3,595,395
22 255 $81,496 $6,442 $75,054 $3,520,341
22 256 $81,496 $6,307 $75,189 $3,445,153
22 257 $81,496 $6,173 $75,323 $3,369,829
22 258 $81,496 $6,038 $75,458 $3,294,371
22 259 $81,496 $5,902 $75,593 $3,218,778
22 260 $81,496 $5,767 $75,729 $3,143,049
22 261 $81,496 $5,631 $75,865 $3,067,184
22 262 $81,496 $5,495 $76,000 $2,991,184
22 263 $81,496 $5,359 $76,137 $2,915,047
22 264 $81,496 $5,223 $76,273 $2,838,774
23 265 $81,496 $5,086 $76,410 $2,762,364
23 266 $81,496 $4,949 $76,547 $2,685,818
23 267 $81,496 $4,812 $76,684 $2,609,134
23 268 $81,496 $4,675 $76,821 $2,532,313
23 269 $81,496 $4,537 $76,959 $2,455,354
23 270 $81,496 $4,399 $77,097 $2,378,258
23 271 $81,496 $4,261 $77,235 $2,301,023
23 272 $81,496 $4,123 $77,373 $2,223,650
23 273 $81,496 $3,984 $77,512 $2,146,138
23 274 $81,496 $3,845 $77,651 $2,068,487
23 275 $81,496 $3,706 $77,790 $1,990,697
23 276 $81,496 $3,567 $77,929 $1,912,768
24 277 $81,496 $3,427 $78,069 $1,834,699
24 278 $81,496 $3,287 $78,209 $1,756,491
24 279 $81,496 $3,147 $78,349 $1,678,142
24 280 $81,496 $3,007 $78,489 $1,599,653
24 281 $81,496 $2,866 $78,630 $1,521,023
24 282 $81,496 $2,725 $78,771 $1,442,252
24 283 $81,496 $2,584 $78,912 $1,363,340
24 284 $81,496 $2,443 $79,053 $1,284,287
24 285 $81,496 $2,301 $79,195 $1,205,092
24 286 $81,496 $2,159 $79,337 $1,125,756
24 287 $81,496 $2,017 $79,479 $1,046,277
24 288 $81,496 $1,875 $79,621 $966,656
25 289 $81,496 $1,732 $79,764 $886,892
25 290 $81,496 $1,589 $79,907 $806,985
25 291 $81,496 $1,446 $80,050 $726,935
25 292 $81,496 $1,302 $80,193 $646,741
25 293 $81,496 $1,159 $80,337 $566,404
25 294 $81,496 $1,015 $80,481 $485,923
25 295 $81,496 $871 $80,625 $405,298
25 296 $81,496 $726 $80,770 $324,528
25 297 $81,496 $581 $80,914 $243,614
25 298 $81,496 $436 $81,059 $162,555
25 299 $81,496 $291 $81,205 $81,350
25 300 $81,496 $146 $81,350 $0