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Mortgage & Stamp Duty Calculator
MORTGAGE & STAMP DUTY CALCULATOR
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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$ 5,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 5,125,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$5,000,000
 
Monthly Repayment (HKD)
$32,340
Loan Amount (HKD)
$7,500,000
+
Total Interest (HKD)
$2,201,885
=
Total Repayment (HKD)
$9,701,885
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $32,340 $13,438 $18,902 $7,481,098
1 2 $32,340 $13,404 $18,936 $7,462,162
1 3 $32,340 $13,370 $18,970 $7,443,192
1 4 $32,340 $13,336 $19,004 $7,424,188
1 5 $32,340 $13,302 $19,038 $7,405,150
1 6 $32,340 $13,268 $19,072 $7,386,078
1 7 $32,340 $13,233 $19,106 $7,366,972
1 8 $32,340 $13,199 $19,140 $7,347,831
1 9 $32,340 $13,165 $19,175 $7,328,657
1 10 $32,340 $13,131 $19,209 $7,309,448
1 11 $32,340 $13,096 $19,244 $7,290,204
1 12 $32,340 $13,062 $19,278 $7,270,926
2 13 $32,340 $13,027 $19,313 $7,251,613
2 14 $32,340 $12,992 $19,347 $7,232,266
2 15 $32,340 $12,958 $19,382 $7,212,885
2 16 $32,340 $12,923 $19,417 $7,193,468
2 17 $32,340 $12,888 $19,451 $7,174,017
2 18 $32,340 $12,853 $19,486 $7,154,530
2 19 $32,340 $12,819 $19,521 $7,135,009
2 20 $32,340 $12,784 $19,556 $7,115,453
2 21 $32,340 $12,749 $19,591 $7,095,862
2 22 $32,340 $12,713 $19,626 $7,076,236
2 23 $32,340 $12,678 $19,661 $7,056,575
2 24 $32,340 $12,643 $19,697 $7,036,878
3 25 $32,340 $12,608 $19,732 $7,017,146
3 26 $32,340 $12,572 $19,767 $6,997,379
3 27 $32,340 $12,537 $19,803 $6,977,576
3 28 $32,340 $12,501 $19,838 $6,957,738
3 29 $32,340 $12,466 $19,874 $6,937,865
3 30 $32,340 $12,430 $19,909 $6,917,955
3 31 $32,340 $12,395 $19,945 $6,898,010
3 32 $32,340 $12,359 $19,981 $6,878,030
3 33 $32,340 $12,323 $20,016 $6,858,013
3 34 $32,340 $12,287 $20,052 $6,837,961
3 35 $32,340 $12,251 $20,088 $6,817,873
3 36 $32,340 $12,215 $20,124 $6,797,748
4 37 $32,340 $12,179 $20,160 $6,777,588
4 38 $32,340 $12,143 $20,196 $6,757,392
4 39 $32,340 $12,107 $20,233 $6,737,159
4 40 $32,340 $12,071 $20,269 $6,716,890
4 41 $32,340 $12,034 $20,305 $6,696,585
4 42 $32,340 $11,998 $20,342 $6,676,243
4 43 $32,340 $11,962 $20,378 $6,655,865
4 44 $32,340 $11,925 $20,415 $6,635,451
4 45 $32,340 $11,889 $20,451 $6,615,000
4 46 $32,340 $11,852 $20,488 $6,594,512
4 47 $32,340 $11,815 $20,524 $6,573,987
4 48 $32,340 $11,778 $20,561 $6,553,426
5 49 $32,340 $11,742 $20,598 $6,532,828
5 50 $32,340 $11,705 $20,635 $6,512,193
5 51 $32,340 $11,668 $20,672 $6,491,521
5 52 $32,340 $11,631 $20,709 $6,470,812
5 53 $32,340 $11,594 $20,746 $6,450,066
5 54 $32,340 $11,556 $20,783 $6,429,283
5 55 $32,340 $11,519 $20,820 $6,408,462
5 56 $32,340 $11,482 $20,858 $6,387,605
5 57 $32,340 $11,444 $20,895 $6,366,709
5 58 $32,340 $11,407 $20,933 $6,345,777
5 59 $32,340 $11,370 $20,970 $6,324,807
5 60 $32,340 $11,332 $21,008 $6,303,799
6 61 $32,340 $11,294 $21,045 $6,282,754
6 62 $32,340 $11,257 $21,083 $6,261,671
6 63 $32,340 $11,219 $21,121 $6,240,550
6 64 $32,340 $11,181 $21,159 $6,219,391
6 65 $32,340 $11,143 $21,197 $6,198,195
6 66 $32,340 $11,105 $21,235 $6,176,960
6 67 $32,340 $11,067 $21,273 $6,155,688
6 68 $32,340 $11,029 $21,311 $6,134,377
6 69 $32,340 $10,991 $21,349 $6,113,028
6 70 $32,340 $10,953 $21,387 $6,091,641
6 71 $32,340 $10,914 $21,425 $6,070,216
6 72 $32,340 $10,876 $21,464 $6,048,752
7 73 $32,340 $10,837 $21,502 $6,027,250
7 74 $32,340 $10,799 $21,541 $6,005,709
7 75 $32,340 $10,760 $21,579 $5,984,129
7 76 $32,340 $10,722 $21,618 $5,962,511
7 77 $32,340 $10,683 $21,657 $5,940,855
7 78 $32,340 $10,644 $21,696 $5,919,159
7 79 $32,340 $10,605 $21,734 $5,897,425
7 80 $32,340 $10,566 $21,773 $5,875,651
7 81 $32,340 $10,527 $21,812 $5,853,839
7 82 $32,340 $10,488 $21,851 $5,831,987
7 83 $32,340 $10,449 $21,891 $5,810,097
7 84 $32,340 $10,410 $21,930 $5,788,167
8 85 $32,340 $10,370 $21,969 $5,766,198
8 86 $32,340 $10,331 $22,009 $5,744,189
8 87 $32,340 $10,292 $22,048 $5,722,141
8 88 $32,340 $10,252 $22,087 $5,700,054
8 89 $32,340 $10,213 $22,127 $5,677,927
8 90 $32,340 $10,173 $22,167 $5,655,760
8 91 $32,340 $10,133 $22,206 $5,633,554
8 92 $32,340 $10,093 $22,246 $5,611,307
8 93 $32,340 $10,054 $22,286 $5,589,021
8 94 $32,340 $10,014 $22,326 $5,566,695
8 95 $32,340 $9,974 $22,366 $5,544,329
8 96 $32,340 $9,934 $22,406 $5,521,923
9 97 $32,340 $9,893 $22,446 $5,499,477
9 98 $32,340 $9,853 $22,486 $5,476,991
9 99 $32,340 $9,813 $22,527 $5,454,464
9 100 $32,340 $9,773 $22,567 $5,431,897
9 101 $32,340 $9,732 $22,607 $5,409,290
9 102 $32,340 $9,692 $22,648 $5,386,642
9 103 $32,340 $9,651 $22,689 $5,363,953
9 104 $32,340 $9,610 $22,729 $5,341,224
9 105 $32,340 $9,570 $22,770 $5,318,454
9 106 $32,340 $9,529 $22,811 $5,295,643
9 107 $32,340 $9,488 $22,852 $5,272,792
9 108 $32,340 $9,447 $22,893 $5,249,899
10 109 $32,340 $9,406 $22,934 $5,226,966
10 110 $32,340 $9,365 $22,975 $5,203,991
10 111 $32,340 $9,324 $23,016 $5,180,975
10 112 $32,340 $9,283 $23,057 $5,157,918
10 113 $32,340 $9,241 $23,098 $5,134,820
10 114 $32,340 $9,200 $23,140 $5,111,680
10 115 $32,340 $9,158 $23,181 $5,088,499
10 116 $32,340 $9,117 $23,223 $5,065,276
10 117 $32,340 $9,075 $23,264 $5,042,012
10 118 $32,340 $9,034 $23,306 $5,018,706
10 119 $32,340 $8,992 $23,348 $4,995,358
10 120 $32,340 $8,950 $23,390 $4,971,968
11 121 $32,340 $8,908 $23,432 $4,948,537
11 122 $32,340 $8,866 $23,473 $4,925,063
11 123 $32,340 $8,824 $23,516 $4,901,548
11 124 $32,340 $8,782 $23,558 $4,877,990
11 125 $32,340 $8,740 $23,600 $4,854,390
11 126 $32,340 $8,697 $23,642 $4,830,748
11 127 $32,340 $8,655 $23,685 $4,807,064
11 128 $32,340 $8,613 $23,727 $4,783,337
11 129 $32,340 $8,570 $23,769 $4,759,567
11 130 $32,340 $8,528 $23,812 $4,735,755
11 131 $32,340 $8,485 $23,855 $4,711,900
11 132 $32,340 $8,442 $23,897 $4,688,003
12 133 $32,340 $8,399 $23,940 $4,664,063
12 134 $32,340 $8,356 $23,983 $4,640,080
12 135 $32,340 $8,313 $24,026 $4,616,053
12 136 $32,340 $8,270 $24,069 $4,591,984
12 137 $32,340 $8,227 $24,112 $4,567,872
12 138 $32,340 $8,184 $24,156 $4,543,716
12 139 $32,340 $8,141 $24,199 $4,519,518
12 140 $32,340 $8,097 $24,242 $4,495,275
12 141 $32,340 $8,054 $24,286 $4,470,990
12 142 $32,340 $8,011 $24,329 $4,446,661
12 143 $32,340 $7,967 $24,373 $4,422,288
12 144 $32,340 $7,923 $24,416 $4,397,872
13 145 $32,340 $7,880 $24,460 $4,373,412
13 146 $32,340 $7,836 $24,504 $4,348,908
13 147 $32,340 $7,792 $24,548 $4,324,360
13 148 $32,340 $7,748 $24,592 $4,299,768
13 149 $32,340 $7,704 $24,636 $4,275,132
13 150 $32,340 $7,660 $24,680 $4,250,452
13 151 $32,340 $7,615 $24,724 $4,225,728
13 152 $32,340 $7,571 $24,769 $4,200,959
13 153 $32,340 $7,527 $24,813 $4,176,147
13 154 $32,340 $7,482 $24,857 $4,151,289
13 155 $32,340 $7,438 $24,902 $4,126,387
13 156 $32,340 $7,393 $24,947 $4,101,441
14 157 $32,340 $7,348 $24,991 $4,076,450
14 158 $32,340 $7,304 $25,036 $4,051,414
14 159 $32,340 $7,259 $25,081 $4,026,333
14 160 $32,340 $7,214 $25,126 $4,001,207
14 161 $32,340 $7,169 $25,171 $3,976,036
14 162 $32,340 $7,124 $25,216 $3,950,820
14 163 $32,340 $7,079 $25,261 $3,925,559
14 164 $32,340 $7,033 $25,306 $3,900,253
14 165 $32,340 $6,988 $25,352 $3,874,901
14 166 $32,340 $6,943 $25,397 $3,849,504
14 167 $32,340 $6,897 $25,443 $3,824,062
14 168 $32,340 $6,851 $25,488 $3,798,573
15 169 $32,340 $6,806 $25,534 $3,773,040
15 170 $32,340 $6,760 $25,580 $3,747,460
15 171 $32,340 $6,714 $25,625 $3,721,835
15 172 $32,340 $6,668 $25,671 $3,696,163
15 173 $32,340 $6,622 $25,717 $3,670,446
15 174 $32,340 $6,576 $25,763 $3,644,683
15 175 $32,340 $6,530 $25,810 $3,618,873
15 176 $32,340 $6,484 $25,856 $3,593,017
15 177 $32,340 $6,437 $25,902 $3,567,115
15 178 $32,340 $6,391 $25,949 $3,541,166
15 179 $32,340 $6,345 $25,995 $3,515,171
15 180 $32,340 $6,298 $26,042 $3,489,130
16 181 $32,340 $6,251 $26,088 $3,463,042
16 182 $32,340 $6,205 $26,135 $3,436,907
16 183 $32,340 $6,158 $26,182 $3,410,725
16 184 $32,340 $6,111 $26,229 $3,384,496
16 185 $32,340 $6,064 $26,276 $3,358,220
16 186 $32,340 $6,017 $26,323 $3,331,898
16 187 $32,340 $5,970 $26,370 $3,305,528
16 188 $32,340 $5,922 $26,417 $3,279,110
16 189 $32,340 $5,875 $26,465 $3,252,646
16 190 $32,340 $5,828 $26,512 $3,226,134
16 191 $32,340 $5,780 $26,559 $3,199,574
16 192 $32,340 $5,733 $26,607 $3,172,967
17 193 $32,340 $5,685 $26,655 $3,146,313
17 194 $32,340 $5,637 $26,702 $3,119,610
17 195 $32,340 $5,589 $26,750 $3,092,860
17 196 $32,340 $5,541 $26,798 $3,066,062
17 197 $32,340 $5,493 $26,846 $3,039,215
17 198 $32,340 $5,445 $26,894 $3,012,321
17 199 $32,340 $5,397 $26,943 $2,985,378
17 200 $32,340 $5,349 $26,991 $2,958,388
17 201 $32,340 $5,300 $27,039 $2,931,348
17 202 $32,340 $5,252 $27,088 $2,904,261
17 203 $32,340 $5,203 $27,136 $2,877,125
17 204 $32,340 $5,155 $27,185 $2,849,940
18 205 $32,340 $5,106 $27,233 $2,822,706
18 206 $32,340 $5,057 $27,282 $2,795,424
18 207 $32,340 $5,008 $27,331 $2,768,093
18 208 $32,340 $4,959 $27,380 $2,740,713
18 209 $32,340 $4,910 $27,429 $2,713,284
18 210 $32,340 $4,861 $27,478 $2,685,805
18 211 $32,340 $4,812 $27,528 $2,658,278
18 212 $32,340 $4,763 $27,577 $2,630,701
18 213 $32,340 $4,713 $27,626 $2,603,075
18 214 $32,340 $4,664 $27,676 $2,575,399
18 215 $32,340 $4,614 $27,725 $2,547,674
18 216 $32,340 $4,565 $27,775 $2,519,898
19 217 $32,340 $4,515 $27,825 $2,492,074
19 218 $32,340 $4,465 $27,875 $2,464,199
19 219 $32,340 $4,415 $27,925 $2,436,274
19 220 $32,340 $4,365 $27,975 $2,408,300
19 221 $32,340 $4,315 $28,025 $2,380,275
19 222 $32,340 $4,265 $28,075 $2,352,200
19 223 $32,340 $4,214 $28,125 $2,324,075
19 224 $32,340 $4,164 $28,176 $2,295,899
19 225 $32,340 $4,113 $28,226 $2,267,673
19 226 $32,340 $4,063 $28,277 $2,239,396
19 227 $32,340 $4,012 $28,327 $2,211,069
19 228 $32,340 $3,961 $28,378 $2,182,691
20 229 $32,340 $3,911 $28,429 $2,154,262
20 230 $32,340 $3,860 $28,480 $2,125,782
20 231 $32,340 $3,809 $28,531 $2,097,251
20 232 $32,340 $3,758 $28,582 $2,068,669
20 233 $32,340 $3,706 $28,633 $2,040,036
20 234 $32,340 $3,655 $28,685 $2,011,351
20 235 $32,340 $3,604 $28,736 $1,982,615
20 236 $32,340 $3,552 $28,787 $1,953,828
20 237 $32,340 $3,501 $28,839 $1,924,989
20 238 $32,340 $3,449 $28,891 $1,896,098
20 239 $32,340 $3,397 $28,942 $1,867,156
20 240 $32,340 $3,345 $28,994 $1,838,161
21 241 $32,340 $3,293 $29,046 $1,809,115
21 242 $32,340 $3,241 $29,098 $1,780,017
21 243 $32,340 $3,189 $29,150 $1,750,866
21 244 $32,340 $3,137 $29,203 $1,721,664
21 245 $32,340 $3,085 $29,255 $1,692,409
21 246 $32,340 $3,032 $29,307 $1,663,101
21 247 $32,340 $2,980 $29,360 $1,633,742
21 248 $32,340 $2,927 $29,412 $1,604,329
21 249 $32,340 $2,874 $29,465 $1,574,864
21 250 $32,340 $2,822 $29,518 $1,545,346
21 251 $32,340 $2,769 $29,571 $1,515,775
21 252 $32,340 $2,716 $29,624 $1,486,151
22 253 $32,340 $2,663 $29,677 $1,456,474
22 254 $32,340 $2,610 $29,730 $1,426,744
22 255 $32,340 $2,556 $29,783 $1,396,961
22 256 $32,340 $2,503 $29,837 $1,367,124
22 257 $32,340 $2,449 $29,890 $1,337,234
22 258 $32,340 $2,396 $29,944 $1,307,290
22 259 $32,340 $2,342 $29,997 $1,277,293
22 260 $32,340 $2,288 $30,051 $1,247,242
22 261 $32,340 $2,235 $30,105 $1,217,137
22 262 $32,340 $2,181 $30,159 $1,186,978
22 263 $32,340 $2,127 $30,213 $1,156,765
22 264 $32,340 $2,073 $30,267 $1,126,498
23 265 $32,340 $2,018 $30,321 $1,096,176
23 266 $32,340 $1,964 $30,376 $1,065,801
23 267 $32,340 $1,910 $30,430 $1,035,371
23 268 $32,340 $1,855 $30,485 $1,004,886
23 269 $32,340 $1,800 $30,539 $974,347
23 270 $32,340 $1,746 $30,594 $943,753
23 271 $32,340 $1,691 $30,649 $913,104
23 272 $32,340 $1,636 $30,704 $882,401
23 273 $32,340 $1,581 $30,759 $851,642
23 274 $32,340 $1,526 $30,814 $820,828
23 275 $32,340 $1,471 $30,869 $789,959
23 276 $32,340 $1,415 $30,924 $759,035
24 277 $32,340 $1,360 $30,980 $728,055
24 278 $32,340 $1,304 $31,035 $697,020
24 279 $32,340 $1,249 $31,091 $665,929
24 280 $32,340 $1,193 $31,146 $634,783
24 281 $32,340 $1,137 $31,202 $603,581
24 282 $32,340 $1,081 $31,258 $572,322
24 283 $32,340 $1,025 $31,314 $541,008
24 284 $32,340 $969 $31,370 $509,638
24 285 $32,340 $913 $31,427 $478,211
24 286 $32,340 $857 $31,483 $446,728
24 287 $32,340 $800 $31,539 $415,189
24 288 $32,340 $744 $31,596 $383,593
25 289 $32,340 $687 $31,652 $351,941
25 290 $32,340 $631 $31,709 $320,232
25 291 $32,340 $574 $31,766 $288,466
25 292 $32,340 $517 $31,823 $256,643
25 293 $32,340 $460 $31,880 $224,764
25 294 $32,340 $403 $31,937 $192,827
25 295 $32,340 $345 $31,994 $160,833
25 296 $32,340 $288 $32,051 $128,781
25 297 $32,340 $231 $32,109 $96,672
25 298 $32,340 $173 $32,166 $64,506
25 299 $32,340 $116 $32,224 $32,282
25 300 $32,340 $58 $32,282 $0