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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$ 11,952,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 12,250,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$11,952,000
 
Monthly Repayment (HKD)
$77,305
Loan Amount (HKD)
$17,928,000
+
Total Interest (HKD)
$5,263,387
=
Total Repayment (HKD)
$23,191,387
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $77,305 $32,121 $45,184 $17,882,816
1 2 $77,305 $32,040 $45,265 $17,837,552
1 3 $77,305 $31,959 $45,346 $17,792,206
1 4 $77,305 $31,878 $45,427 $17,746,779
1 5 $77,305 $31,796 $45,508 $17,701,271
1 6 $77,305 $31,715 $45,590 $17,655,681
1 7 $77,305 $31,633 $45,672 $17,610,010
1 8 $77,305 $31,551 $45,753 $17,564,256
1 9 $77,305 $31,469 $45,835 $17,518,421
1 10 $77,305 $31,387 $45,917 $17,472,503
1 11 $77,305 $31,305 $46,000 $17,426,504
1 12 $77,305 $31,222 $46,082 $17,380,422
2 13 $77,305 $31,140 $46,165 $17,334,257
2 14 $77,305 $31,057 $46,247 $17,288,009
2 15 $77,305 $30,974 $46,330 $17,241,679
2 16 $77,305 $30,891 $46,413 $17,195,266
2 17 $77,305 $30,808 $46,496 $17,148,769
2 18 $77,305 $30,725 $46,580 $17,102,190
2 19 $77,305 $30,641 $46,663 $17,055,526
2 20 $77,305 $30,558 $46,747 $17,008,780
2 21 $77,305 $30,474 $46,831 $16,961,949
2 22 $77,305 $30,390 $46,914 $16,915,035
2 23 $77,305 $30,306 $46,999 $16,868,036
2 24 $77,305 $30,222 $47,083 $16,820,953
3 25 $77,305 $30,138 $47,167 $16,773,786
3 26 $77,305 $30,053 $47,252 $16,726,535
3 27 $77,305 $29,968 $47,336 $16,679,198
3 28 $77,305 $29,884 $47,421 $16,631,777
3 29 $77,305 $29,799 $47,506 $16,584,271
3 30 $77,305 $29,713 $47,591 $16,536,680
3 31 $77,305 $29,628 $47,676 $16,489,004
3 32 $77,305 $29,543 $47,762 $16,441,242
3 33 $77,305 $29,457 $47,847 $16,393,395
3 34 $77,305 $29,371 $47,933 $16,345,462
3 35 $77,305 $29,286 $48,019 $16,297,443
3 36 $77,305 $29,200 $48,105 $16,249,337
4 37 $77,305 $29,113 $48,191 $16,201,146
4 38 $77,305 $29,027 $48,278 $16,152,869
4 39 $77,305 $28,941 $48,364 $16,104,505
4 40 $77,305 $28,854 $48,451 $16,056,054
4 41 $77,305 $28,767 $48,538 $16,007,516
4 42 $77,305 $28,680 $48,624 $15,958,892
4 43 $77,305 $28,593 $48,712 $15,910,180
4 44 $77,305 $28,506 $48,799 $15,861,381
4 45 $77,305 $28,418 $48,886 $15,812,495
4 46 $77,305 $28,331 $48,974 $15,763,521
4 47 $77,305 $28,243 $49,062 $15,714,460
4 48 $77,305 $28,155 $49,150 $15,665,310
5 49 $77,305 $28,067 $49,238 $15,616,072
5 50 $77,305 $27,979 $49,326 $15,566,747
5 51 $77,305 $27,890 $49,414 $15,517,332
5 52 $77,305 $27,802 $49,503 $15,467,830
5 53 $77,305 $27,713 $49,591 $15,418,238
5 54 $77,305 $27,624 $49,680 $15,368,558
5 55 $77,305 $27,535 $49,769 $15,318,789
5 56 $77,305 $27,446 $49,858 $15,268,930
5 57 $77,305 $27,357 $49,948 $15,218,982
5 58 $77,305 $27,267 $50,037 $15,168,945
5 59 $77,305 $27,178 $50,127 $15,118,818
5 60 $77,305 $27,088 $50,217 $15,068,601
6 61 $77,305 $26,998 $50,307 $15,018,295
6 62 $77,305 $26,908 $50,397 $14,967,898
6 63 $77,305 $26,817 $50,487 $14,917,411
6 64 $77,305 $26,727 $50,578 $14,866,833
6 65 $77,305 $26,636 $50,668 $14,816,165
6 66 $77,305 $26,546 $50,759 $14,765,406
6 67 $77,305 $26,455 $50,850 $14,714,556
6 68 $77,305 $26,364 $50,941 $14,663,615
6 69 $77,305 $26,272 $51,032 $14,612,583
6 70 $77,305 $26,181 $51,124 $14,561,459
6 71 $77,305 $26,089 $51,215 $14,510,244
6 72 $77,305 $25,998 $51,307 $14,458,936
7 73 $77,305 $25,906 $51,399 $14,407,537
7 74 $77,305 $25,814 $51,491 $14,356,046
7 75 $77,305 $25,721 $51,583 $14,304,463
7 76 $77,305 $25,629 $51,676 $14,252,787
7 77 $77,305 $25,536 $51,768 $14,201,019
7 78 $77,305 $25,443 $51,861 $14,149,158
7 79 $77,305 $25,351 $51,954 $14,097,204
7 80 $77,305 $25,257 $52,047 $14,045,156
7 81 $77,305 $25,164 $52,140 $13,993,016
7 82 $77,305 $25,071 $52,234 $13,940,782
7 83 $77,305 $24,977 $52,327 $13,888,455
7 84 $77,305 $24,883 $52,421 $13,836,034
8 85 $77,305 $24,790 $52,515 $13,783,519
8 86 $77,305 $24,695 $52,609 $13,730,909
8 87 $77,305 $24,601 $52,703 $13,678,206
8 88 $77,305 $24,507 $52,798 $13,625,408
8 89 $77,305 $24,412 $52,892 $13,572,516
8 90 $77,305 $24,317 $52,987 $13,519,529
8 91 $77,305 $24,222 $53,082 $13,466,446
8 92 $77,305 $24,127 $53,177 $13,413,269
8 93 $77,305 $24,032 $53,273 $13,359,997
8 94 $77,305 $23,937 $53,368 $13,306,629
8 95 $77,305 $23,841 $53,464 $13,253,165
8 96 $77,305 $23,745 $53,559 $13,199,606
9 97 $77,305 $23,649 $53,655 $13,145,950
9 98 $77,305 $23,553 $53,751 $13,092,199
9 99 $77,305 $23,457 $53,848 $13,038,351
9 100 $77,305 $23,360 $53,944 $12,984,407
9 101 $77,305 $23,264 $54,041 $12,930,366
9 102 $77,305 $23,167 $54,138 $12,876,228
9 103 $77,305 $23,070 $54,235 $12,821,994
9 104 $77,305 $22,973 $54,332 $12,767,662
9 105 $77,305 $22,875 $54,429 $12,713,233
9 106 $77,305 $22,778 $54,527 $12,658,706
9 107 $77,305 $22,680 $54,624 $12,604,081
9 108 $77,305 $22,582 $54,722 $12,549,359
10 109 $77,305 $22,484 $54,820 $12,494,539
10 110 $77,305 $22,386 $54,919 $12,439,620
10 111 $77,305 $22,288 $55,017 $12,384,603
10 112 $77,305 $22,189 $55,116 $12,329,488
10 113 $77,305 $22,090 $55,214 $12,274,273
10 114 $77,305 $21,991 $55,313 $12,218,960
10 115 $77,305 $21,892 $55,412 $12,163,548
10 116 $77,305 $21,793 $55,512 $12,108,036
10 117 $77,305 $21,694 $55,611 $12,052,425
10 118 $77,305 $21,594 $55,711 $11,996,714
10 119 $77,305 $21,494 $55,811 $11,940,904
10 120 $77,305 $21,394 $55,911 $11,884,993
11 121 $77,305 $21,294 $56,011 $11,828,983
11 122 $77,305 $21,194 $56,111 $11,772,872
11 123 $77,305 $21,093 $56,212 $11,716,660
11 124 $77,305 $20,992 $56,312 $11,660,348
11 125 $77,305 $20,891 $56,413 $11,603,935
11 126 $77,305 $20,790 $56,514 $11,547,421
11 127 $77,305 $20,689 $56,615 $11,490,805
11 128 $77,305 $20,588 $56,717 $11,434,088
11 129 $77,305 $20,486 $56,819 $11,377,270
11 130 $77,305 $20,384 $56,920 $11,320,349
11 131 $77,305 $20,282 $57,022 $11,263,327
11 132 $77,305 $20,180 $57,124 $11,206,202
12 133 $77,305 $20,078 $57,227 $11,148,976
12 134 $77,305 $19,975 $57,329 $11,091,646
12 135 $77,305 $19,873 $57,432 $11,034,214
12 136 $77,305 $19,770 $57,535 $10,976,679
12 137 $77,305 $19,667 $57,638 $10,919,041
12 138 $77,305 $19,563 $57,741 $10,861,300
12 139 $77,305 $19,460 $57,845 $10,803,455
12 140 $77,305 $19,356 $57,948 $10,745,506
12 141 $77,305 $19,252 $58,052 $10,687,454
12 142 $77,305 $19,148 $58,156 $10,629,298
12 143 $77,305 $19,044 $58,260 $10,571,037
12 144 $77,305 $18,940 $58,365 $10,512,673
13 145 $77,305 $18,835 $58,469 $10,454,203
13 146 $77,305 $18,730 $58,574 $10,395,629
13 147 $77,305 $18,626 $58,679 $10,336,950
13 148 $77,305 $18,520 $58,784 $10,278,166
13 149 $77,305 $18,415 $58,890 $10,219,276
13 150 $77,305 $18,310 $58,995 $10,160,281
13 151 $77,305 $18,204 $59,101 $10,101,180
13 152 $77,305 $18,098 $59,207 $10,041,973
13 153 $77,305 $17,992 $59,313 $9,982,661
13 154 $77,305 $17,886 $59,419 $9,923,242
13 155 $77,305 $17,779 $59,525 $9,863,716
13 156 $77,305 $17,672 $59,632 $9,804,084
14 157 $77,305 $17,566 $59,739 $9,744,345
14 158 $77,305 $17,459 $59,846 $9,684,499
14 159 $77,305 $17,351 $59,953 $9,624,546
14 160 $77,305 $17,244 $60,061 $9,564,485
14 161 $77,305 $17,136 $60,168 $9,504,317
14 162 $77,305 $17,029 $60,276 $9,444,041
14 163 $77,305 $16,921 $60,384 $9,383,657
14 164 $77,305 $16,812 $60,492 $9,323,165
14 165 $77,305 $16,704 $60,601 $9,262,564
14 166 $77,305 $16,595 $60,709 $9,201,855
14 167 $77,305 $16,487 $60,818 $9,141,037
14 168 $77,305 $16,378 $60,927 $9,080,110
15 169 $77,305 $16,269 $61,036 $9,019,074
15 170 $77,305 $16,159 $61,145 $8,957,928
15 171 $77,305 $16,050 $61,255 $8,896,673
15 172 $77,305 $15,940 $61,365 $8,835,309
15 173 $77,305 $15,830 $61,475 $8,773,834
15 174 $77,305 $15,720 $61,585 $8,712,249
15 175 $77,305 $15,609 $61,695 $8,650,554
15 176 $77,305 $15,499 $61,806 $8,588,748
15 177 $77,305 $15,388 $61,916 $8,526,832
15 178 $77,305 $15,277 $62,027 $8,464,804
15 179 $77,305 $15,166 $62,139 $8,402,666
15 180 $77,305 $15,055 $62,250 $8,340,416
16 181 $77,305 $14,943 $62,361 $8,278,055
16 182 $77,305 $14,832 $62,473 $8,215,582
16 183 $77,305 $14,720 $62,585 $8,152,997
16 184 $77,305 $14,607 $62,697 $8,090,299
16 185 $77,305 $14,495 $62,810 $8,027,490
16 186 $77,305 $14,383 $62,922 $7,964,568
16 187 $77,305 $14,270 $63,035 $7,901,533
16 188 $77,305 $14,157 $63,148 $7,838,385
16 189 $77,305 $14,044 $63,261 $7,775,124
16 190 $77,305 $13,930 $63,374 $7,711,750
16 191 $77,305 $13,817 $63,488 $7,648,263
16 192 $77,305 $13,703 $63,601 $7,584,661
17 193 $77,305 $13,589 $63,715 $7,520,946
17 194 $77,305 $13,475 $63,830 $7,457,116
17 195 $77,305 $13,361 $63,944 $7,393,172
17 196 $77,305 $13,246 $64,059 $7,329,114
17 197 $77,305 $13,131 $64,173 $7,264,940
17 198 $77,305 $13,016 $64,288 $7,200,652
17 199 $77,305 $12,901 $64,403 $7,136,249
17 200 $77,305 $12,786 $64,519 $7,071,730
17 201 $77,305 $12,670 $64,634 $7,007,095
17 202 $77,305 $12,554 $64,750 $6,942,345
17 203 $77,305 $12,438 $64,866 $6,877,479
17 204 $77,305 $12,322 $64,982 $6,812,496
18 205 $77,305 $12,206 $65,099 $6,747,397
18 206 $77,305 $12,089 $65,216 $6,682,182
18 207 $77,305 $11,972 $65,332 $6,616,849
18 208 $77,305 $11,855 $65,449 $6,551,400
18 209 $77,305 $11,738 $65,567 $6,485,833
18 210 $77,305 $11,620 $65,684 $6,420,149
18 211 $77,305 $11,503 $65,802 $6,354,347
18 212 $77,305 $11,385 $65,920 $6,288,428
18 213 $77,305 $11,267 $66,038 $6,222,390
18 214 $77,305 $11,148 $66,156 $6,156,234
18 215 $77,305 $11,030 $66,275 $6,089,959
18 216 $77,305 $10,911 $66,393 $6,023,565
19 217 $77,305 $10,792 $66,512 $5,957,053
19 218 $77,305 $10,673 $66,632 $5,890,421
19 219 $77,305 $10,554 $66,751 $5,823,670
19 220 $77,305 $10,434 $66,871 $5,756,800
19 221 $77,305 $10,314 $66,990 $5,689,810
19 222 $77,305 $10,194 $67,110 $5,622,699
19 223 $77,305 $10,074 $67,231 $5,555,469
19 224 $77,305 $9,954 $67,351 $5,488,117
19 225 $77,305 $9,833 $67,472 $5,420,646
19 226 $77,305 $9,712 $67,593 $5,353,053
19 227 $77,305 $9,591 $67,714 $5,285,339
19 228 $77,305 $9,470 $67,835 $5,217,504
20 229 $77,305 $9,348 $67,957 $5,149,548
20 230 $77,305 $9,226 $68,078 $5,081,469
20 231 $77,305 $9,104 $68,200 $5,013,269
20 232 $77,305 $8,982 $68,323 $4,944,947
20 233 $77,305 $8,860 $68,445 $4,876,502
20 234 $77,305 $8,737 $68,568 $4,807,934
20 235 $77,305 $8,614 $68,690 $4,739,244
20 236 $77,305 $8,491 $68,813 $4,670,430
20 237 $77,305 $8,368 $68,937 $4,601,493
20 238 $77,305 $8,244 $69,060 $4,532,433
20 239 $77,305 $8,121 $69,184 $4,463,249
20 240 $77,305 $7,997 $69,308 $4,393,941
21 241 $77,305 $7,872 $69,432 $4,324,509
21 242 $77,305 $7,748 $69,557 $4,254,952
21 243 $77,305 $7,623 $69,681 $4,185,271
21 244 $77,305 $7,499 $69,806 $4,115,465
21 245 $77,305 $7,374 $69,931 $4,045,534
21 246 $77,305 $7,248 $70,056 $3,975,478
21 247 $77,305 $7,123 $70,182 $3,905,296
21 248 $77,305 $6,997 $70,308 $3,834,988
21 249 $77,305 $6,871 $70,434 $3,764,555
21 250 $77,305 $6,745 $70,560 $3,693,995
21 251 $77,305 $6,618 $70,686 $3,623,309
21 252 $77,305 $6,492 $70,813 $3,552,496
22 253 $77,305 $6,365 $70,940 $3,481,556
22 254 $77,305 $6,238 $71,067 $3,410,489
22 255 $77,305 $6,110 $71,194 $3,339,295
22 256 $77,305 $5,983 $71,322 $3,267,973
22 257 $77,305 $5,855 $71,450 $3,196,524
22 258 $77,305 $5,727 $71,578 $3,124,946
22 259 $77,305 $5,599 $71,706 $3,053,241
22 260 $77,305 $5,470 $71,834 $2,981,406
22 261 $77,305 $5,342 $71,963 $2,909,443
22 262 $77,305 $5,213 $72,092 $2,837,352
22 263 $77,305 $5,084 $72,221 $2,765,130
22 264 $77,305 $4,954 $72,350 $2,692,780
23 265 $77,305 $4,825 $72,480 $2,620,300
23 266 $77,305 $4,695 $72,610 $2,547,690
23 267 $77,305 $4,565 $72,740 $2,474,950
23 268 $77,305 $4,434 $72,870 $2,402,080
23 269 $77,305 $4,304 $73,001 $2,329,079
23 270 $77,305 $4,173 $73,132 $2,255,947
23 271 $77,305 $4,042 $73,263 $2,182,684
23 272 $77,305 $3,911 $73,394 $2,109,290
23 273 $77,305 $3,779 $73,525 $2,035,765
23 274 $77,305 $3,647 $73,657 $1,962,108
23 275 $77,305 $3,515 $73,789 $1,888,319
23 276 $77,305 $3,383 $73,921 $1,814,397
24 277 $77,305 $3,251 $74,054 $1,740,343
24 278 $77,305 $3,118 $74,187 $1,666,157
24 279 $77,305 $2,985 $74,319 $1,591,837
24 280 $77,305 $2,852 $74,453 $1,517,385
24 281 $77,305 $2,719 $74,586 $1,442,799
24 282 $77,305 $2,585 $74,720 $1,368,079
24 283 $77,305 $2,451 $74,853 $1,293,226
24 284 $77,305 $2,317 $74,988 $1,218,238
24 285 $77,305 $2,183 $75,122 $1,143,116
24 286 $77,305 $2,048 $75,257 $1,067,860
24 287 $77,305 $1,913 $75,391 $992,468
24 288 $77,305 $1,778 $75,526 $916,942
25 289 $77,305 $1,643 $75,662 $841,280
25 290 $77,305 $1,507 $75,797 $765,483
25 291 $77,305 $1,371 $75,933 $689,550
25 292 $77,305 $1,235 $76,069 $613,480
25 293 $77,305 $1,099 $76,205 $537,275
25 294 $77,305 $963 $76,342 $460,933
25 295 $77,305 $826 $76,479 $384,454
25 296 $77,305 $689 $76,616 $307,838
25 297 $77,305 $552 $76,753 $231,085
25 298 $77,305 $414 $76,891 $154,195
25 299 $77,305 $276 $77,028 $77,166
25 300 $77,305 $138 $77,166 $0