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$ 4,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 4,305,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$4,200,000
 
Monthly Repayment (HKD)
$27,165
Loan Amount (HKD)
$6,300,000
+
Total Interest (HKD)
$1,849,584
=
Total Repayment (HKD)
$8,149,584
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $27,165 $11,288 $15,878 $6,284,122
1 2 $27,165 $11,259 $15,906 $6,268,216
1 3 $27,165 $11,231 $15,935 $6,252,281
1 4 $27,165 $11,202 $15,963 $6,236,318
1 5 $27,165 $11,173 $15,992 $6,220,326
1 6 $27,165 $11,145 $16,021 $6,204,306
1 7 $27,165 $11,116 $16,049 $6,188,256
1 8 $27,165 $11,087 $16,078 $6,172,178
1 9 $27,165 $11,058 $16,107 $6,156,072
1 10 $27,165 $11,030 $16,136 $6,139,936
1 11 $27,165 $11,001 $16,165 $6,123,771
1 12 $27,165 $10,972 $16,194 $6,107,578
2 13 $27,165 $10,943 $16,223 $6,091,355
2 14 $27,165 $10,914 $16,252 $6,075,104
2 15 $27,165 $10,885 $16,281 $6,058,823
2 16 $27,165 $10,855 $16,310 $6,042,513
2 17 $27,165 $10,826 $16,339 $6,026,174
2 18 $27,165 $10,797 $16,368 $6,009,806
2 19 $27,165 $10,768 $16,398 $5,993,408
2 20 $27,165 $10,738 $16,427 $5,976,981
2 21 $27,165 $10,709 $16,457 $5,960,524
2 22 $27,165 $10,679 $16,486 $5,944,038
2 23 $27,165 $10,650 $16,516 $5,927,523
2 24 $27,165 $10,620 $16,545 $5,910,978
3 25 $27,165 $10,591 $16,575 $5,894,403
3 26 $27,165 $10,561 $16,604 $5,877,798
3 27 $27,165 $10,531 $16,634 $5,861,164
3 28 $27,165 $10,501 $16,664 $5,844,500
3 29 $27,165 $10,471 $16,694 $5,827,806
3 30 $27,165 $10,441 $16,724 $5,811,082
3 31 $27,165 $10,412 $16,754 $5,794,329
3 32 $27,165 $10,382 $16,784 $5,777,545
3 33 $27,165 $10,351 $16,814 $5,760,731
3 34 $27,165 $10,321 $16,844 $5,743,887
3 35 $27,165 $10,291 $16,874 $5,727,013
3 36 $27,165 $10,261 $16,904 $5,710,109
4 37 $27,165 $10,231 $16,935 $5,693,174
4 38 $27,165 $10,200 $16,965 $5,676,209
4 39 $27,165 $10,170 $16,995 $5,659,213
4 40 $27,165 $10,139 $17,026 $5,642,188
4 41 $27,165 $10,109 $17,056 $5,625,131
4 42 $27,165 $10,078 $17,087 $5,608,044
4 43 $27,165 $10,048 $17,118 $5,590,927
4 44 $27,165 $10,017 $17,148 $5,573,779
4 45 $27,165 $9,986 $17,179 $5,556,600
4 46 $27,165 $9,956 $17,210 $5,539,390
4 47 $27,165 $9,925 $17,241 $5,522,149
4 48 $27,165 $9,894 $17,271 $5,504,878
5 49 $27,165 $9,863 $17,302 $5,487,576
5 50 $27,165 $9,832 $17,333 $5,470,242
5 51 $27,165 $9,801 $17,364 $5,452,878
5 52 $27,165 $9,770 $17,396 $5,435,482
5 53 $27,165 $9,739 $17,427 $5,418,056
5 54 $27,165 $9,707 $17,458 $5,400,598
5 55 $27,165 $9,676 $17,489 $5,383,108
5 56 $27,165 $9,645 $17,521 $5,365,588
5 57 $27,165 $9,613 $17,552 $5,348,036
5 58 $27,165 $9,582 $17,583 $5,330,453
5 59 $27,165 $9,550 $17,615 $5,312,838
5 60 $27,165 $9,519 $17,646 $5,295,191
6 61 $27,165 $9,487 $17,678 $5,277,513
6 62 $27,165 $9,456 $17,710 $5,259,803
6 63 $27,165 $9,424 $17,741 $5,242,062
6 64 $27,165 $9,392 $17,773 $5,224,289
6 65 $27,165 $9,360 $17,805 $5,206,484
6 66 $27,165 $9,328 $17,837 $5,188,647
6 67 $27,165 $9,296 $17,869 $5,170,778
6 68 $27,165 $9,264 $17,901 $5,152,877
6 69 $27,165 $9,232 $17,933 $5,134,944
6 70 $27,165 $9,200 $17,965 $5,116,979
6 71 $27,165 $9,168 $17,997 $5,098,981
6 72 $27,165 $9,136 $18,030 $5,080,952
7 73 $27,165 $9,103 $18,062 $5,062,890
7 74 $27,165 $9,071 $18,094 $5,044,795
7 75 $27,165 $9,039 $18,127 $5,026,669
7 76 $27,165 $9,006 $18,159 $5,008,510
7 77 $27,165 $8,974 $18,192 $4,990,318
7 78 $27,165 $8,941 $18,224 $4,972,094
7 79 $27,165 $8,908 $18,257 $4,953,837
7 80 $27,165 $8,876 $18,290 $4,935,547
7 81 $27,165 $8,843 $18,322 $4,917,225
7 82 $27,165 $8,810 $18,355 $4,898,869
7 83 $27,165 $8,777 $18,388 $4,880,481
7 84 $27,165 $8,744 $18,421 $4,862,060
8 85 $27,165 $8,711 $18,454 $4,843,606
8 86 $27,165 $8,678 $18,487 $4,825,119
8 87 $27,165 $8,645 $18,520 $4,806,599
8 88 $27,165 $8,612 $18,553 $4,788,045
8 89 $27,165 $8,579 $18,587 $4,769,458
8 90 $27,165 $8,545 $18,620 $4,750,838
8 91 $27,165 $8,512 $18,653 $4,732,185
8 92 $27,165 $8,478 $18,687 $4,713,498
8 93 $27,165 $8,445 $18,720 $4,694,778
8 94 $27,165 $8,411 $18,754 $4,676,024
8 95 $27,165 $8,378 $18,787 $4,657,237
8 96 $27,165 $8,344 $18,821 $4,638,416
9 97 $27,165 $8,310 $18,855 $4,619,561
9 98 $27,165 $8,277 $18,889 $4,600,672
9 99 $27,165 $8,243 $18,922 $4,581,750
9 100 $27,165 $8,209 $18,956 $4,562,794
9 101 $27,165 $8,175 $18,990 $4,543,803
9 102 $27,165 $8,141 $19,024 $4,524,779
9 103 $27,165 $8,107 $19,058 $4,505,721
9 104 $27,165 $8,073 $19,093 $4,486,628
9 105 $27,165 $8,039 $19,127 $4,467,501
9 106 $27,165 $8,004 $19,161 $4,448,340
9 107 $27,165 $7,970 $19,195 $4,429,145
9 108 $27,165 $7,936 $19,230 $4,409,915
10 109 $27,165 $7,901 $19,264 $4,390,651
10 110 $27,165 $7,867 $19,299 $4,371,352
10 111 $27,165 $7,832 $19,333 $4,352,019
10 112 $27,165 $7,797 $19,368 $4,332,651
10 113 $27,165 $7,763 $19,403 $4,313,249
10 114 $27,165 $7,728 $19,437 $4,293,811
10 115 $27,165 $7,693 $19,472 $4,274,339
10 116 $27,165 $7,658 $19,507 $4,254,832
10 117 $27,165 $7,623 $19,542 $4,235,290
10 118 $27,165 $7,588 $19,577 $4,215,713
10 119 $27,165 $7,553 $19,612 $4,196,101
10 120 $27,165 $7,518 $19,647 $4,176,454
11 121 $27,165 $7,483 $19,682 $4,156,771
11 122 $27,165 $7,448 $19,718 $4,137,053
11 123 $27,165 $7,412 $19,753 $4,117,300
11 124 $27,165 $7,377 $19,788 $4,097,512
11 125 $27,165 $7,341 $19,824 $4,077,688
11 126 $27,165 $7,306 $19,859 $4,057,828
11 127 $27,165 $7,270 $19,895 $4,037,933
11 128 $27,165 $7,235 $19,931 $4,018,003
11 129 $27,165 $7,199 $19,966 $3,998,036
11 130 $27,165 $7,163 $20,002 $3,978,034
11 131 $27,165 $7,127 $20,038 $3,957,996
11 132 $27,165 $7,091 $20,074 $3,937,923
12 133 $27,165 $7,055 $20,110 $3,917,813
12 134 $27,165 $7,019 $20,146 $3,897,667
12 135 $27,165 $6,983 $20,182 $3,877,485
12 136 $27,165 $6,947 $20,218 $3,857,267
12 137 $27,165 $6,911 $20,254 $3,837,012
12 138 $27,165 $6,875 $20,291 $3,816,722
12 139 $27,165 $6,838 $20,327 $3,796,395
12 140 $27,165 $6,802 $20,363 $3,776,031
12 141 $27,165 $6,765 $20,400 $3,755,631
12 142 $27,165 $6,729 $20,436 $3,735,195
12 143 $27,165 $6,692 $20,473 $3,714,722
12 144 $27,165 $6,656 $20,510 $3,694,212
13 145 $27,165 $6,619 $20,546 $3,673,666
13 146 $27,165 $6,582 $20,583 $3,653,082
13 147 $27,165 $6,545 $20,620 $3,632,462
13 148 $27,165 $6,508 $20,657 $3,611,805
13 149 $27,165 $6,471 $20,694 $3,591,111
13 150 $27,165 $6,434 $20,731 $3,570,380
13 151 $27,165 $6,397 $20,768 $3,549,612
13 152 $27,165 $6,360 $20,806 $3,528,806
13 153 $27,165 $6,322 $20,843 $3,507,963
13 154 $27,165 $6,285 $20,880 $3,487,083
13 155 $27,165 $6,248 $20,918 $3,466,165
13 156 $27,165 $6,210 $20,955 $3,445,210
14 157 $27,165 $6,173 $20,993 $3,424,218
14 158 $27,165 $6,135 $21,030 $3,403,187
14 159 $27,165 $6,097 $21,068 $3,382,120
14 160 $27,165 $6,060 $21,106 $3,361,014
14 161 $27,165 $6,022 $21,143 $3,339,870
14 162 $27,165 $5,984 $21,181 $3,318,689
14 163 $27,165 $5,946 $21,219 $3,297,470
14 164 $27,165 $5,908 $21,257 $3,276,212
14 165 $27,165 $5,870 $21,295 $3,254,917
14 166 $27,165 $5,832 $21,334 $3,233,584
14 167 $27,165 $5,794 $21,372 $3,212,212
14 168 $27,165 $5,755 $21,410 $3,190,802
15 169 $27,165 $5,717 $21,448 $3,169,353
15 170 $27,165 $5,678 $21,487 $3,147,866
15 171 $27,165 $5,640 $21,525 $3,126,341
15 172 $27,165 $5,601 $21,564 $3,104,777
15 173 $27,165 $5,563 $21,603 $3,083,175
15 174 $27,165 $5,524 $21,641 $3,061,533
15 175 $27,165 $5,485 $21,680 $3,039,853
15 176 $27,165 $5,446 $21,719 $3,018,134
15 177 $27,165 $5,407 $21,758 $2,996,377
15 178 $27,165 $5,369 $21,797 $2,974,580
15 179 $27,165 $5,329 $21,836 $2,952,744
15 180 $27,165 $5,290 $21,875 $2,930,869
16 181 $27,165 $5,251 $21,914 $2,908,955
16 182 $27,165 $5,212 $21,953 $2,887,002
16 183 $27,165 $5,173 $21,993 $2,865,009
16 184 $27,165 $5,133 $22,032 $2,842,977
16 185 $27,165 $5,094 $22,072 $2,820,905
16 186 $27,165 $5,054 $22,111 $2,798,794
16 187 $27,165 $5,015 $22,151 $2,776,643
16 188 $27,165 $4,975 $22,190 $2,754,453
16 189 $27,165 $4,935 $22,230 $2,732,222
16 190 $27,165 $4,895 $22,270 $2,709,952
16 191 $27,165 $4,855 $22,310 $2,687,642
16 192 $27,165 $4,815 $22,350 $2,665,293
17 193 $27,165 $4,775 $22,390 $2,642,903
17 194 $27,165 $4,735 $22,430 $2,620,472
17 195 $27,165 $4,695 $22,470 $2,598,002
17 196 $27,165 $4,655 $22,511 $2,575,492
17 197 $27,165 $4,614 $22,551 $2,552,941
17 198 $27,165 $4,574 $22,591 $2,530,350
17 199 $27,165 $4,534 $22,632 $2,507,718
17 200 $27,165 $4,493 $22,672 $2,485,046
17 201 $27,165 $4,452 $22,713 $2,462,333
17 202 $27,165 $4,412 $22,754 $2,439,579
17 203 $27,165 $4,371 $22,794 $2,416,785
17 204 $27,165 $4,330 $22,835 $2,393,949
18 205 $27,165 $4,289 $22,876 $2,371,073
18 206 $27,165 $4,248 $22,917 $2,348,156
18 207 $27,165 $4,207 $22,958 $2,325,198
18 208 $27,165 $4,166 $22,999 $2,302,199
18 209 $27,165 $4,125 $23,041 $2,279,158
18 210 $27,165 $4,083 $23,082 $2,256,077
18 211 $27,165 $4,042 $23,123 $2,232,953
18 212 $27,165 $4,001 $23,165 $2,209,789
18 213 $27,165 $3,959 $23,206 $2,186,583
18 214 $27,165 $3,918 $23,248 $2,163,335
18 215 $27,165 $3,876 $23,289 $2,140,046
18 216 $27,165 $3,834 $23,331 $2,116,715
19 217 $27,165 $3,792 $23,373 $2,093,342
19 218 $27,165 $3,751 $23,415 $2,069,927
19 219 $27,165 $3,709 $23,457 $2,046,471
19 220 $27,165 $3,667 $23,499 $2,022,972
19 221 $27,165 $3,624 $23,541 $1,999,431
19 222 $27,165 $3,582 $23,583 $1,975,848
19 223 $27,165 $3,540 $23,625 $1,952,223
19 224 $27,165 $3,498 $23,668 $1,928,555
19 225 $27,165 $3,455 $23,710 $1,904,845
19 226 $27,165 $3,413 $23,752 $1,881,093
19 227 $27,165 $3,370 $23,795 $1,857,298
19 228 $27,165 $3,328 $23,838 $1,833,460
20 229 $27,165 $3,285 $23,880 $1,809,580
20 230 $27,165 $3,242 $23,923 $1,785,657
20 231 $27,165 $3,199 $23,966 $1,761,691
20 232 $27,165 $3,156 $24,009 $1,737,682
20 233 $27,165 $3,113 $24,052 $1,713,630
20 234 $27,165 $3,070 $24,095 $1,689,535
20 235 $27,165 $3,027 $24,138 $1,665,397
20 236 $27,165 $2,984 $24,181 $1,641,215
20 237 $27,165 $2,941 $24,225 $1,616,991
20 238 $27,165 $2,897 $24,268 $1,592,722
20 239 $27,165 $2,854 $24,312 $1,568,411
20 240 $27,165 $2,810 $24,355 $1,544,056
21 241 $27,165 $2,766 $24,399 $1,519,657
21 242 $27,165 $2,723 $24,443 $1,495,214
21 243 $27,165 $2,679 $24,486 $1,470,728
21 244 $27,165 $2,635 $24,530 $1,446,198
21 245 $27,165 $2,591 $24,574 $1,421,623
21 246 $27,165 $2,547 $24,618 $1,397,005
21 247 $27,165 $2,503 $24,662 $1,372,343
21 248 $27,165 $2,459 $24,706 $1,347,636
21 249 $27,165 $2,415 $24,751 $1,322,886
21 250 $27,165 $2,370 $24,795 $1,298,091
21 251 $27,165 $2,326 $24,840 $1,273,251
21 252 $27,165 $2,281 $24,884 $1,248,367
22 253 $27,165 $2,237 $24,929 $1,223,438
22 254 $27,165 $2,192 $24,973 $1,198,465
22 255 $27,165 $2,147 $25,018 $1,173,447
22 256 $27,165 $2,102 $25,063 $1,148,384
22 257 $27,165 $2,058 $25,108 $1,123,276
22 258 $27,165 $2,013 $25,153 $1,098,124
22 259 $27,165 $1,967 $25,198 $1,072,926
22 260 $27,165 $1,922 $25,243 $1,047,683
22 261 $27,165 $1,877 $25,288 $1,022,395
22 262 $27,165 $1,832 $25,333 $997,061
22 263 $27,165 $1,786 $25,379 $971,682
22 264 $27,165 $1,741 $25,424 $946,258
23 265 $27,165 $1,695 $25,470 $920,788
23 266 $27,165 $1,650 $25,516 $895,273
23 267 $27,165 $1,604 $25,561 $869,711
23 268 $27,165 $1,558 $25,607 $844,104
23 269 $27,165 $1,512 $25,653 $818,451
23 270 $27,165 $1,466 $25,699 $792,753
23 271 $27,165 $1,420 $25,745 $767,008
23 272 $27,165 $1,374 $25,791 $741,217
23 273 $27,165 $1,328 $25,837 $715,379
23 274 $27,165 $1,282 $25,884 $689,496
23 275 $27,165 $1,235 $25,930 $663,566
23 276 $27,165 $1,189 $25,976 $637,589
24 277 $27,165 $1,142 $26,023 $611,566
24 278 $27,165 $1,096 $26,070 $585,497
24 279 $27,165 $1,049 $26,116 $559,381
24 280 $27,165 $1,002 $26,163 $533,218
24 281 $27,165 $955 $26,210 $507,008
24 282 $27,165 $908 $26,257 $480,751
24 283 $27,165 $861 $26,304 $454,447
24 284 $27,165 $814 $26,351 $428,096
24 285 $27,165 $767 $26,398 $401,697
24 286 $27,165 $720 $26,446 $375,252
24 287 $27,165 $672 $26,493 $348,759
24 288 $27,165 $625 $26,540 $322,219
25 289 $27,165 $577 $26,588 $295,631
25 290 $27,165 $530 $26,636 $268,995
25 291 $27,165 $482 $26,683 $242,312
25 292 $27,165 $434 $26,731 $215,580
25 293 $27,165 $386 $26,779 $188,801
25 294 $27,165 $338 $26,827 $161,974
25 295 $27,165 $290 $26,875 $135,099
25 296 $27,165 $242 $26,923 $108,176
25 297 $27,165 $194 $26,971 $81,205
25 298 $27,165 $145 $27,020 $54,185
25 299 $27,165 $97 $27,068 $27,117
25 300 $27,165 $49 $27,117 $0