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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$ 31,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 31,980,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$31,200,000
 
Monthly Repayment (HKD)
$201,799
Loan Amount (HKD)
$46,800,000
+
Total Interest (HKD)
$13,739,765
=
Total Repayment (HKD)
$60,539,765
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $201,799 $83,850 $117,949 $46,682,051
1 2 $201,799 $83,639 $118,161 $46,563,890
1 3 $201,799 $83,427 $118,372 $46,445,518
1 4 $201,799 $83,215 $118,584 $46,326,934
1 5 $201,799 $83,002 $118,797 $46,208,137
1 6 $201,799 $82,790 $119,010 $46,089,127
1 7 $201,799 $82,576 $119,223 $45,969,904
1 8 $201,799 $82,363 $119,436 $45,850,468
1 9 $201,799 $82,149 $119,650 $45,730,817
1 10 $201,799 $81,934 $119,865 $45,610,953
1 11 $201,799 $81,720 $120,080 $45,490,873
1 12 $201,799 $81,504 $120,295 $45,370,578
2 13 $201,799 $81,289 $120,510 $45,250,068
2 14 $201,799 $81,073 $120,726 $45,129,342
2 15 $201,799 $80,857 $120,942 $45,008,399
2 16 $201,799 $80,640 $121,159 $44,887,240
2 17 $201,799 $80,423 $121,376 $44,765,864
2 18 $201,799 $80,206 $121,594 $44,644,270
2 19 $201,799 $79,988 $121,812 $44,522,459
2 20 $201,799 $79,769 $122,030 $44,400,429
2 21 $201,799 $79,551 $122,248 $44,278,180
2 22 $201,799 $79,332 $122,467 $44,155,713
2 23 $201,799 $79,112 $122,687 $44,033,026
2 24 $201,799 $78,893 $122,907 $43,910,119
3 25 $201,799 $78,672 $123,127 $43,786,992
3 26 $201,799 $78,452 $123,348 $43,663,645
3 27 $201,799 $78,231 $123,569 $43,540,076
3 28 $201,799 $78,009 $123,790 $43,416,286
3 29 $201,799 $77,788 $124,012 $43,292,275
3 30 $201,799 $77,565 $124,234 $43,168,041
3 31 $201,799 $77,343 $124,456 $43,043,584
3 32 $201,799 $77,120 $124,679 $42,918,905
3 33 $201,799 $76,896 $124,903 $42,794,002
3 34 $201,799 $76,673 $125,127 $42,668,875
3 35 $201,799 $76,448 $125,351 $42,543,525
3 36 $201,799 $76,224 $125,575 $42,417,949
4 37 $201,799 $75,999 $125,800 $42,292,149
4 38 $201,799 $75,773 $126,026 $42,166,123
4 39 $201,799 $75,548 $126,252 $42,039,871
4 40 $201,799 $75,321 $126,478 $41,913,394
4 41 $201,799 $75,095 $126,704 $41,786,689
4 42 $201,799 $74,868 $126,931 $41,659,758
4 43 $201,799 $74,640 $127,159 $41,532,599
4 44 $201,799 $74,413 $127,387 $41,405,212
4 45 $201,799 $74,184 $127,615 $41,277,598
4 46 $201,799 $73,956 $127,844 $41,149,754
4 47 $201,799 $73,727 $128,073 $41,021,681
4 48 $201,799 $73,497 $128,302 $40,893,379
5 49 $201,799 $73,267 $128,532 $40,764,848
5 50 $201,799 $73,037 $128,762 $40,636,085
5 51 $201,799 $72,806 $128,993 $40,507,092
5 52 $201,799 $72,575 $129,224 $40,377,868
5 53 $201,799 $72,344 $129,456 $40,248,413
5 54 $201,799 $72,112 $129,687 $40,118,725
5 55 $201,799 $71,879 $129,920 $39,988,806
5 56 $201,799 $71,647 $130,153 $39,858,653
5 57 $201,799 $71,413 $130,386 $39,728,267
5 58 $201,799 $71,180 $130,619 $39,597,648
5 59 $201,799 $70,946 $130,853 $39,466,794
5 60 $201,799 $70,711 $131,088 $39,335,706
6 61 $201,799 $70,476 $131,323 $39,204,384
6 62 $201,799 $70,241 $131,558 $39,072,826
6 63 $201,799 $70,005 $131,794 $38,941,032
6 64 $201,799 $69,769 $132,030 $38,809,002
6 65 $201,799 $69,533 $132,266 $38,676,736
6 66 $201,799 $69,296 $132,503 $38,544,232
6 67 $201,799 $69,058 $132,741 $38,411,491
6 68 $201,799 $68,821 $132,979 $38,278,513
6 69 $201,799 $68,582 $133,217 $38,145,296
6 70 $201,799 $68,344 $133,456 $38,011,840
6 71 $201,799 $68,105 $133,695 $37,878,146
6 72 $201,799 $67,865 $133,934 $37,744,212
7 73 $201,799 $67,625 $134,174 $37,610,037
7 74 $201,799 $67,385 $134,415 $37,475,623
7 75 $201,799 $67,144 $134,655 $37,340,967
7 76 $201,799 $66,903 $134,897 $37,206,071
7 77 $201,799 $66,661 $135,138 $37,070,932
7 78 $201,799 $66,419 $135,380 $36,935,552
7 79 $201,799 $66,176 $135,623 $36,799,929
7 80 $201,799 $65,933 $135,866 $36,664,063
7 81 $201,799 $65,690 $136,109 $36,527,954
7 82 $201,799 $65,446 $136,353 $36,391,600
7 83 $201,799 $65,202 $136,598 $36,255,003
7 84 $201,799 $64,957 $136,842 $36,118,160
8 85 $201,799 $64,712 $137,088 $35,981,073
8 86 $201,799 $64,466 $137,333 $35,843,740
8 87 $201,799 $64,220 $137,579 $35,706,160
8 88 $201,799 $63,974 $137,826 $35,568,335
8 89 $201,799 $63,727 $138,073 $35,430,262
8 90 $201,799 $63,479 $138,320 $35,291,942
8 91 $201,799 $63,231 $138,568 $35,153,374
8 92 $201,799 $62,983 $138,816 $35,014,558
8 93 $201,799 $62,734 $139,065 $34,875,493
8 94 $201,799 $62,485 $139,314 $34,736,180
8 95 $201,799 $62,236 $139,564 $34,596,616
8 96 $201,799 $61,986 $139,814 $34,456,802
9 97 $201,799 $61,735 $140,064 $34,316,738
9 98 $201,799 $61,484 $140,315 $34,176,423
9 99 $201,799 $61,233 $140,566 $34,035,857
9 100 $201,799 $60,981 $140,818 $33,895,038
9 101 $201,799 $60,729 $141,071 $33,753,968
9 102 $201,799 $60,476 $141,323 $33,612,644
9 103 $201,799 $60,223 $141,577 $33,471,068
9 104 $201,799 $59,969 $141,830 $33,329,238
9 105 $201,799 $59,715 $142,084 $33,187,153
9 106 $201,799 $59,460 $142,339 $33,044,814
9 107 $201,799 $59,205 $142,594 $32,902,220
9 108 $201,799 $58,950 $142,849 $32,759,371
10 109 $201,799 $58,694 $143,105 $32,616,266
10 110 $201,799 $58,437 $143,362 $32,472,904
10 111 $201,799 $58,181 $143,619 $32,329,285
10 112 $201,799 $57,923 $143,876 $32,185,409
10 113 $201,799 $57,666 $144,134 $32,041,276
10 114 $201,799 $57,407 $144,392 $31,896,884
10 115 $201,799 $57,149 $144,651 $31,752,233
10 116 $201,799 $56,889 $144,910 $31,607,323
10 117 $201,799 $56,630 $145,169 $31,462,154
10 118 $201,799 $56,370 $145,430 $31,316,724
10 119 $201,799 $56,109 $145,690 $31,171,034
10 120 $201,799 $55,848 $145,951 $31,025,083
11 121 $201,799 $55,587 $146,213 $30,878,871
11 122 $201,799 $55,325 $146,475 $30,732,396
11 123 $201,799 $55,062 $146,737 $30,585,659
11 124 $201,799 $54,799 $147,000 $30,438,659
11 125 $201,799 $54,536 $147,263 $30,291,396
11 126 $201,799 $54,272 $147,527 $30,143,869
11 127 $201,799 $54,008 $147,791 $29,996,077
11 128 $201,799 $53,743 $148,056 $29,848,021
11 129 $201,799 $53,478 $148,322 $29,699,700
11 130 $201,799 $53,212 $148,587 $29,551,112
11 131 $201,799 $52,946 $148,853 $29,402,259
11 132 $201,799 $52,679 $149,120 $29,253,139
12 133 $201,799 $52,412 $149,387 $29,103,751
12 134 $201,799 $52,144 $149,655 $28,954,096
12 135 $201,799 $51,876 $149,923 $28,804,173
12 136 $201,799 $51,607 $150,192 $28,653,981
12 137 $201,799 $51,338 $150,461 $28,503,521
12 138 $201,799 $51,069 $150,730 $28,352,790
12 139 $201,799 $50,799 $151,000 $28,201,790
12 140 $201,799 $50,528 $151,271 $28,050,519
12 141 $201,799 $50,257 $151,542 $27,898,977
12 142 $201,799 $49,986 $151,814 $27,747,163
12 143 $201,799 $49,714 $152,086 $27,595,078
12 144 $201,799 $49,441 $152,358 $27,442,720
13 145 $201,799 $49,168 $152,631 $27,290,089
13 146 $201,799 $48,895 $152,904 $27,137,184
13 147 $201,799 $48,621 $153,178 $26,984,006
13 148 $201,799 $48,346 $153,453 $26,830,553
13 149 $201,799 $48,071 $153,728 $26,676,825
13 150 $201,799 $47,796 $154,003 $26,522,822
13 151 $201,799 $47,520 $154,279 $26,368,543
13 152 $201,799 $47,244 $154,556 $26,213,987
13 153 $201,799 $46,967 $154,832 $26,059,155
13 154 $201,799 $46,689 $155,110 $25,904,045
13 155 $201,799 $46,411 $155,388 $25,748,657
13 156 $201,799 $46,133 $155,666 $25,592,991
14 157 $201,799 $45,854 $155,945 $25,437,046
14 158 $201,799 $45,575 $156,225 $25,280,821
14 159 $201,799 $45,295 $156,504 $25,124,317
14 160 $201,799 $45,014 $156,785 $24,967,532
14 161 $201,799 $44,733 $157,066 $24,810,466
14 162 $201,799 $44,452 $157,347 $24,653,119
14 163 $201,799 $44,170 $157,629 $24,495,490
14 164 $201,799 $43,888 $157,911 $24,337,578
14 165 $201,799 $43,605 $158,194 $24,179,384
14 166 $201,799 $43,321 $158,478 $24,020,906
14 167 $201,799 $43,037 $158,762 $23,862,144
14 168 $201,799 $42,753 $159,046 $23,703,098
15 169 $201,799 $42,468 $159,331 $23,543,767
15 170 $201,799 $42,183 $159,617 $23,384,150
15 171 $201,799 $41,897 $159,903 $23,224,248
15 172 $201,799 $41,610 $160,189 $23,064,059
15 173 $201,799 $41,323 $160,476 $22,903,583
15 174 $201,799 $41,036 $160,764 $22,742,819
15 175 $201,799 $40,748 $161,052 $22,581,767
15 176 $201,799 $40,459 $161,340 $22,420,427
15 177 $201,799 $40,170 $161,629 $22,258,798
15 178 $201,799 $39,880 $161,919 $22,096,879
15 179 $201,799 $39,590 $162,209 $21,934,670
15 180 $201,799 $39,300 $162,500 $21,772,170
16 181 $201,799 $39,008 $162,791 $21,609,380
16 182 $201,799 $38,717 $163,082 $21,446,297
16 183 $201,799 $38,425 $163,375 $21,282,923
16 184 $201,799 $38,132 $163,667 $21,119,255
16 185 $201,799 $37,839 $163,961 $20,955,295
16 186 $201,799 $37,545 $164,254 $20,791,040
16 187 $201,799 $37,251 $164,549 $20,626,492
16 188 $201,799 $36,956 $164,843 $20,461,648
16 189 $201,799 $36,660 $165,139 $20,296,510
16 190 $201,799 $36,365 $165,435 $20,131,075
16 191 $201,799 $36,068 $165,731 $19,965,344
16 192 $201,799 $35,771 $166,028 $19,799,316
17 193 $201,799 $35,474 $166,325 $19,632,991
17 194 $201,799 $35,176 $166,623 $19,466,367
17 195 $201,799 $34,877 $166,922 $19,299,445
17 196 $201,799 $34,578 $167,221 $19,132,224
17 197 $201,799 $34,279 $167,521 $18,964,703
17 198 $201,799 $33,978 $167,821 $18,796,883
17 199 $201,799 $33,678 $168,121 $18,628,761
17 200 $201,799 $33,377 $168,423 $18,460,339
17 201 $201,799 $33,075 $168,724 $18,291,614
17 202 $201,799 $32,772 $169,027 $18,122,587
17 203 $201,799 $32,470 $169,330 $17,953,258
17 204 $201,799 $32,166 $169,633 $17,783,625
18 205 $201,799 $31,862 $169,937 $17,613,688
18 206 $201,799 $31,558 $170,241 $17,443,447
18 207 $201,799 $31,253 $170,546 $17,272,900
18 208 $201,799 $30,947 $170,852 $17,102,048
18 209 $201,799 $30,641 $171,158 $16,930,890
18 210 $201,799 $30,335 $171,465 $16,759,425
18 211 $201,799 $30,027 $171,772 $16,587,654
18 212 $201,799 $29,720 $172,080 $16,415,574
18 213 $201,799 $29,411 $172,388 $16,243,186
18 214 $201,799 $29,102 $172,697 $16,070,489
18 215 $201,799 $28,793 $173,006 $15,897,483
18 216 $201,799 $28,483 $173,316 $15,724,167
19 217 $201,799 $28,172 $173,627 $15,550,540
19 218 $201,799 $27,861 $173,938 $15,376,602
19 219 $201,799 $27,550 $174,249 $15,202,353
19 220 $201,799 $27,238 $174,562 $15,027,791
19 221 $201,799 $26,925 $174,874 $14,852,916
19 222 $201,799 $26,611 $175,188 $14,677,729
19 223 $201,799 $26,298 $175,502 $14,502,227
19 224 $201,799 $25,983 $175,816 $14,326,411
19 225 $201,799 $25,668 $176,131 $14,150,280
19 226 $201,799 $25,353 $176,447 $13,973,833
19 227 $201,799 $25,036 $176,763 $13,797,071
19 228 $201,799 $24,720 $177,079 $13,619,991
20 229 $201,799 $24,402 $177,397 $13,442,594
20 230 $201,799 $24,085 $177,715 $13,264,880
20 231 $201,799 $23,766 $178,033 $13,086,847
20 232 $201,799 $23,447 $178,352 $12,908,495
20 233 $201,799 $23,128 $178,671 $12,729,823
20 234 $201,799 $22,808 $178,992 $12,550,832
20 235 $201,799 $22,487 $179,312 $12,371,519
20 236 $201,799 $22,166 $179,634 $12,191,886
20 237 $201,799 $21,844 $179,955 $12,011,930
20 238 $201,799 $21,521 $180,278 $11,831,653
20 239 $201,799 $21,198 $180,601 $11,651,052
20 240 $201,799 $20,875 $180,924 $11,470,127
21 241 $201,799 $20,551 $181,249 $11,288,879
21 242 $201,799 $20,226 $181,573 $11,107,306
21 243 $201,799 $19,901 $181,899 $10,925,407
21 244 $201,799 $19,575 $182,225 $10,743,182
21 245 $201,799 $19,248 $182,551 $10,560,631
21 246 $201,799 $18,921 $182,878 $10,377,753
21 247 $201,799 $18,593 $183,206 $10,194,548
21 248 $201,799 $18,265 $183,534 $10,011,014
21 249 $201,799 $17,936 $183,863 $9,827,151
21 250 $201,799 $17,607 $184,192 $9,642,958
21 251 $201,799 $17,277 $184,522 $9,458,436
21 252 $201,799 $16,946 $184,853 $9,273,583
22 253 $201,799 $16,615 $185,184 $9,088,399
22 254 $201,799 $16,283 $185,516 $8,902,883
22 255 $201,799 $15,951 $185,848 $8,717,035
22 256 $201,799 $15,618 $186,181 $8,530,854
22 257 $201,799 $15,284 $186,515 $8,344,339
22 258 $201,799 $14,950 $186,849 $8,157,490
22 259 $201,799 $14,616 $187,184 $7,970,307
22 260 $201,799 $14,280 $187,519 $7,782,788
22 261 $201,799 $13,944 $187,855 $7,594,933
22 262 $201,799 $13,608 $188,192 $7,406,741
22 263 $201,799 $13,270 $188,529 $7,218,212
22 264 $201,799 $12,933 $188,867 $7,029,346
23 265 $201,799 $12,594 $189,205 $6,840,141
23 266 $201,799 $12,255 $189,544 $6,650,597
23 267 $201,799 $11,916 $189,884 $6,460,713
23 268 $201,799 $11,575 $190,224 $6,270,489
23 269 $201,799 $11,235 $190,565 $6,079,925
23 270 $201,799 $10,893 $190,906 $5,889,019
23 271 $201,799 $10,551 $191,248 $5,697,771
23 272 $201,799 $10,209 $191,591 $5,506,180
23 273 $201,799 $9,865 $191,934 $5,314,246
23 274 $201,799 $9,521 $192,278 $5,121,968
23 275 $201,799 $9,177 $192,622 $4,929,346
23 276 $201,799 $8,832 $192,967 $4,736,378
24 277 $201,799 $8,486 $193,313 $4,543,065
24 278 $201,799 $8,140 $193,660 $4,349,405
24 279 $201,799 $7,793 $194,007 $4,155,399
24 280 $201,799 $7,445 $194,354 $3,961,045
24 281 $201,799 $7,097 $194,702 $3,766,342
24 282 $201,799 $6,748 $195,051 $3,571,291
24 283 $201,799 $6,399 $195,401 $3,375,891
24 284 $201,799 $6,048 $195,751 $3,180,140
24 285 $201,799 $5,698 $196,101 $2,984,038
24 286 $201,799 $5,346 $196,453 $2,787,586
24 287 $201,799 $4,994 $196,805 $2,590,781
24 288 $201,799 $4,642 $197,157 $2,393,623
25 289 $201,799 $4,289 $197,511 $2,196,113
25 290 $201,799 $3,935 $197,865 $1,998,248
25 291 $201,799 $3,580 $198,219 $1,800,029
25 292 $201,799 $3,225 $198,574 $1,601,455
25 293 $201,799 $2,869 $198,930 $1,402,525
25 294 $201,799 $2,513 $199,286 $1,203,239
25 295 $201,799 $2,156 $199,643 $1,003,595
25 296 $201,799 $1,798 $200,001 $803,594
25 297 $201,799 $1,440 $200,359 $603,235
25 298 $201,799 $1,081 $200,718 $402,516
25 299 $201,799 $721 $201,078 $201,438
25 300 $201,799 $361 $201,438 $0