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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$ 2,792,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,861,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,792,000
 
Monthly Repayment (HKD)
$18,058
Loan Amount (HKD)
$4,188,000
+
Total Interest (HKD)
$1,229,533
=
Total Repayment (HKD)
$5,417,533
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $18,058 $7,504 $10,555 $4,177,445
1 2 $18,058 $7,485 $10,574 $4,166,871
1 3 $18,058 $7,466 $10,593 $4,156,278
1 4 $18,058 $7,447 $10,612 $4,145,667
1 5 $18,058 $7,428 $10,631 $4,135,036
1 6 $18,058 $7,409 $10,650 $4,124,386
1 7 $18,058 $7,390 $10,669 $4,113,717
1 8 $18,058 $7,370 $10,688 $4,103,029
1 9 $18,058 $7,351 $10,707 $4,092,322
1 10 $18,058 $7,332 $10,726 $4,081,596
1 11 $18,058 $7,313 $10,746 $4,070,850
1 12 $18,058 $7,294 $10,765 $4,060,085
2 13 $18,058 $7,274 $10,784 $4,049,301
2 14 $18,058 $7,255 $10,803 $4,038,498
2 15 $18,058 $7,236 $10,823 $4,027,675
2 16 $18,058 $7,216 $10,842 $4,016,833
2 17 $18,058 $7,197 $10,862 $4,005,971
2 18 $18,058 $7,177 $10,881 $3,995,090
2 19 $18,058 $7,158 $10,901 $3,984,189
2 20 $18,058 $7,138 $10,920 $3,973,269
2 21 $18,058 $7,119 $10,940 $3,962,329
2 22 $18,058 $7,099 $10,959 $3,951,370
2 23 $18,058 $7,080 $10,979 $3,940,391
2 24 $18,058 $7,060 $10,999 $3,929,393
3 25 $18,058 $7,040 $11,018 $3,918,374
3 26 $18,058 $7,020 $11,038 $3,907,336
3 27 $18,058 $7,001 $11,058 $3,896,279
3 28 $18,058 $6,981 $11,078 $3,885,201
3 29 $18,058 $6,961 $11,097 $3,874,104
3 30 $18,058 $6,941 $11,117 $3,862,986
3 31 $18,058 $6,921 $11,137 $3,851,849
3 32 $18,058 $6,901 $11,157 $3,840,692
3 33 $18,058 $6,881 $11,177 $3,829,515
3 34 $18,058 $6,861 $11,197 $3,818,317
3 35 $18,058 $6,841 $11,217 $3,807,100
3 36 $18,058 $6,821 $11,237 $3,795,863
4 37 $18,058 $6,801 $11,258 $3,784,605
4 38 $18,058 $6,781 $11,278 $3,773,327
4 39 $18,058 $6,761 $11,298 $3,762,030
4 40 $18,058 $6,740 $11,318 $3,750,711
4 41 $18,058 $6,720 $11,338 $3,739,373
4 42 $18,058 $6,700 $11,359 $3,728,014
4 43 $18,058 $6,679 $11,379 $3,716,635
4 44 $18,058 $6,659 $11,399 $3,705,236
4 45 $18,058 $6,639 $11,420 $3,693,816
4 46 $18,058 $6,618 $11,440 $3,682,375
4 47 $18,058 $6,598 $11,461 $3,670,915
4 48 $18,058 $6,577 $11,481 $3,659,433
5 49 $18,058 $6,556 $11,502 $3,647,931
5 50 $18,058 $6,536 $11,523 $3,636,409
5 51 $18,058 $6,515 $11,543 $3,624,865
5 52 $18,058 $6,495 $11,564 $3,613,302
5 53 $18,058 $6,474 $11,585 $3,601,717
5 54 $18,058 $6,453 $11,605 $3,590,112
5 55 $18,058 $6,432 $11,626 $3,578,485
5 56 $18,058 $6,411 $11,647 $3,566,838
5 57 $18,058 $6,391 $11,668 $3,555,171
5 58 $18,058 $6,370 $11,689 $3,543,482
5 59 $18,058 $6,349 $11,710 $3,531,772
5 60 $18,058 $6,328 $11,731 $3,520,041
6 61 $18,058 $6,307 $11,752 $3,508,290
6 62 $18,058 $6,286 $11,773 $3,496,517
6 63 $18,058 $6,265 $11,794 $3,484,723
6 64 $18,058 $6,243 $11,815 $3,472,908
6 65 $18,058 $6,222 $11,836 $3,461,072
6 66 $18,058 $6,201 $11,857 $3,449,215
6 67 $18,058 $6,180 $11,879 $3,437,336
6 68 $18,058 $6,159 $11,900 $3,425,436
6 69 $18,058 $6,137 $11,921 $3,413,515
6 70 $18,058 $6,116 $11,943 $3,401,572
6 71 $18,058 $6,094 $11,964 $3,389,608
6 72 $18,058 $6,073 $11,985 $3,377,623
7 73 $18,058 $6,052 $12,007 $3,365,616
7 74 $18,058 $6,030 $12,028 $3,353,588
7 75 $18,058 $6,009 $12,050 $3,341,538
7 76 $18,058 $5,987 $12,072 $3,329,466
7 77 $18,058 $5,965 $12,093 $3,317,373
7 78 $18,058 $5,944 $12,115 $3,305,258
7 79 $18,058 $5,922 $12,137 $3,293,122
7 80 $18,058 $5,900 $12,158 $3,280,964
7 81 $18,058 $5,878 $12,180 $3,268,784
7 82 $18,058 $5,857 $12,202 $3,256,582
7 83 $18,058 $5,835 $12,224 $3,244,358
7 84 $18,058 $5,813 $12,246 $3,232,112
8 85 $18,058 $5,791 $12,268 $3,219,845
8 86 $18,058 $5,769 $12,290 $3,207,555
8 87 $18,058 $5,747 $12,312 $3,195,244
8 88 $18,058 $5,725 $12,334 $3,182,910
8 89 $18,058 $5,703 $12,356 $3,170,554
8 90 $18,058 $5,681 $12,378 $3,158,176
8 91 $18,058 $5,658 $12,400 $3,145,776
8 92 $18,058 $5,636 $12,422 $3,133,354
8 93 $18,058 $5,614 $12,445 $3,120,910
8 94 $18,058 $5,592 $12,467 $3,108,443
8 95 $18,058 $5,569 $12,489 $3,095,954
8 96 $18,058 $5,547 $12,512 $3,083,442
9 97 $18,058 $5,525 $12,534 $3,070,908
9 98 $18,058 $5,502 $12,556 $3,058,352
9 99 $18,058 $5,480 $12,579 $3,045,773
9 100 $18,058 $5,457 $12,601 $3,033,171
9 101 $18,058 $5,434 $12,624 $3,020,547
9 102 $18,058 $5,412 $12,647 $3,007,901
9 103 $18,058 $5,389 $12,669 $2,995,231
9 104 $18,058 $5,366 $12,692 $2,982,539
9 105 $18,058 $5,344 $12,715 $2,969,825
9 106 $18,058 $5,321 $12,738 $2,957,087
9 107 $18,058 $5,298 $12,760 $2,944,327
9 108 $18,058 $5,275 $12,783 $2,931,544
10 109 $18,058 $5,252 $12,806 $2,918,738
10 110 $18,058 $5,229 $12,829 $2,905,909
10 111 $18,058 $5,206 $12,852 $2,893,057
10 112 $18,058 $5,183 $12,875 $2,880,182
10 113 $18,058 $5,160 $12,898 $2,867,283
10 114 $18,058 $5,137 $12,921 $2,854,362
10 115 $18,058 $5,114 $12,944 $2,841,418
10 116 $18,058 $5,091 $12,968 $2,828,450
10 117 $18,058 $5,068 $12,991 $2,815,459
10 118 $18,058 $5,044 $13,014 $2,802,445
10 119 $18,058 $5,021 $13,037 $2,789,408
10 120 $18,058 $4,998 $13,061 $2,776,347
11 121 $18,058 $4,974 $13,084 $2,763,263
11 122 $18,058 $4,951 $13,108 $2,750,155
11 123 $18,058 $4,927 $13,131 $2,737,024
11 124 $18,058 $4,904 $13,155 $2,723,870
11 125 $18,058 $4,880 $13,178 $2,710,692
11 126 $18,058 $4,857 $13,202 $2,697,490
11 127 $18,058 $4,833 $13,225 $2,684,264
11 128 $18,058 $4,809 $13,249 $2,671,015
11 129 $18,058 $4,786 $13,273 $2,657,742
11 130 $18,058 $4,762 $13,297 $2,644,446
11 131 $18,058 $4,738 $13,320 $2,631,125
11 132 $18,058 $4,714 $13,344 $2,617,781
12 133 $18,058 $4,690 $13,368 $2,604,413
12 134 $18,058 $4,666 $13,392 $2,591,020
12 135 $18,058 $4,642 $13,416 $2,577,604
12 136 $18,058 $4,618 $13,440 $2,564,164
12 137 $18,058 $4,594 $13,464 $2,550,700
12 138 $18,058 $4,570 $13,488 $2,537,211
12 139 $18,058 $4,546 $13,513 $2,523,699
12 140 $18,058 $4,522 $13,537 $2,510,162
12 141 $18,058 $4,497 $13,561 $2,496,601
12 142 $18,058 $4,473 $13,585 $2,483,015
12 143 $18,058 $4,449 $13,610 $2,469,406
12 144 $18,058 $4,424 $13,634 $2,455,772
13 145 $18,058 $4,400 $13,659 $2,442,113
13 146 $18,058 $4,375 $13,683 $2,428,430
13 147 $18,058 $4,351 $13,708 $2,414,723
13 148 $18,058 $4,326 $13,732 $2,400,990
13 149 $18,058 $4,302 $13,757 $2,387,234
13 150 $18,058 $4,277 $13,781 $2,373,453
13 151 $18,058 $4,252 $13,806 $2,359,647
13 152 $18,058 $4,228 $13,831 $2,345,816
13 153 $18,058 $4,203 $13,856 $2,331,960
13 154 $18,058 $4,178 $13,880 $2,318,080
13 155 $18,058 $4,153 $13,905 $2,304,175
13 156 $18,058 $4,128 $13,930 $2,290,245
14 157 $18,058 $4,103 $13,955 $2,276,289
14 158 $18,058 $4,078 $13,980 $2,262,309
14 159 $18,058 $4,053 $14,005 $2,248,304
14 160 $18,058 $4,028 $14,030 $2,234,274
14 161 $18,058 $4,003 $14,055 $2,220,219
14 162 $18,058 $3,978 $14,081 $2,206,138
14 163 $18,058 $3,953 $14,106 $2,192,032
14 164 $18,058 $3,927 $14,131 $2,177,901
14 165 $18,058 $3,902 $14,156 $2,163,745
14 166 $18,058 $3,877 $14,182 $2,149,563
14 167 $18,058 $3,851 $14,207 $2,135,356
14 168 $18,058 $3,826 $14,233 $2,121,123
15 169 $18,058 $3,800 $14,258 $2,106,865
15 170 $18,058 $3,775 $14,284 $2,092,582
15 171 $18,058 $3,749 $14,309 $2,078,272
15 172 $18,058 $3,724 $14,335 $2,063,938
15 173 $18,058 $3,698 $14,361 $2,049,577
15 174 $18,058 $3,672 $14,386 $2,035,191
15 175 $18,058 $3,646 $14,412 $2,020,779
15 176 $18,058 $3,621 $14,438 $2,006,341
15 177 $18,058 $3,595 $14,464 $1,991,877
15 178 $18,058 $3,569 $14,490 $1,977,387
15 179 $18,058 $3,543 $14,516 $1,962,872
15 180 $18,058 $3,517 $14,542 $1,948,330
16 181 $18,058 $3,491 $14,568 $1,933,762
16 182 $18,058 $3,465 $14,594 $1,919,169
16 183 $18,058 $3,439 $14,620 $1,904,549
16 184 $18,058 $3,412 $14,646 $1,889,903
16 185 $18,058 $3,386 $14,672 $1,875,230
16 186 $18,058 $3,360 $14,699 $1,860,532
16 187 $18,058 $3,333 $14,725 $1,845,807
16 188 $18,058 $3,307 $14,751 $1,831,055
16 189 $18,058 $3,281 $14,778 $1,816,277
16 190 $18,058 $3,254 $14,804 $1,801,473
16 191 $18,058 $3,228 $14,831 $1,786,642
16 192 $18,058 $3,201 $14,857 $1,771,785
17 193 $18,058 $3,174 $14,884 $1,756,901
17 194 $18,058 $3,148 $14,911 $1,741,990
17 195 $18,058 $3,121 $14,937 $1,727,053
17 196 $18,058 $3,094 $14,964 $1,712,089
17 197 $18,058 $3,067 $14,991 $1,697,098
17 198 $18,058 $3,041 $15,018 $1,682,080
17 199 $18,058 $3,014 $15,045 $1,667,035
17 200 $18,058 $2,987 $15,072 $1,651,964
17 201 $18,058 $2,960 $15,099 $1,636,865
17 202 $18,058 $2,933 $15,126 $1,621,739
17 203 $18,058 $2,906 $15,153 $1,606,586
17 204 $18,058 $2,878 $15,180 $1,591,406
18 205 $18,058 $2,851 $15,207 $1,576,199
18 206 $18,058 $2,824 $15,234 $1,560,965
18 207 $18,058 $2,797 $15,262 $1,545,703
18 208 $18,058 $2,769 $15,289 $1,530,414
18 209 $18,058 $2,742 $15,316 $1,515,098
18 210 $18,058 $2,715 $15,344 $1,499,754
18 211 $18,058 $2,687 $15,371 $1,484,382
18 212 $18,058 $2,660 $15,399 $1,468,983
18 213 $18,058 $2,632 $15,427 $1,453,557
18 214 $18,058 $2,604 $15,454 $1,438,103
18 215 $18,058 $2,577 $15,482 $1,422,621
18 216 $18,058 $2,549 $15,510 $1,407,111
19 217 $18,058 $2,521 $15,537 $1,391,574
19 218 $18,058 $2,493 $15,565 $1,376,009
19 219 $18,058 $2,465 $15,593 $1,360,416
19 220 $18,058 $2,437 $15,621 $1,344,795
19 221 $18,058 $2,409 $15,649 $1,329,146
19 222 $18,058 $2,381 $15,677 $1,313,469
19 223 $18,058 $2,353 $15,705 $1,297,763
19 224 $18,058 $2,325 $15,733 $1,282,030
19 225 $18,058 $2,297 $15,761 $1,266,269
19 226 $18,058 $2,269 $15,790 $1,250,479
19 227 $18,058 $2,240 $15,818 $1,234,661
19 228 $18,058 $2,212 $15,846 $1,218,815
20 229 $18,058 $2,184 $15,875 $1,202,940
20 230 $18,058 $2,155 $15,903 $1,187,037
20 231 $18,058 $2,127 $15,932 $1,171,105
20 232 $18,058 $2,098 $15,960 $1,155,145
20 233 $18,058 $2,070 $15,989 $1,139,156
20 234 $18,058 $2,041 $16,017 $1,123,139
20 235 $18,058 $2,012 $16,046 $1,107,092
20 236 $18,058 $1,984 $16,075 $1,091,017
20 237 $18,058 $1,955 $16,104 $1,074,914
20 238 $18,058 $1,926 $16,133 $1,058,781
20 239 $18,058 $1,897 $16,161 $1,042,620
20 240 $18,058 $1,868 $16,190 $1,026,429
21 241 $18,058 $1,839 $16,219 $1,010,210
21 242 $18,058 $1,810 $16,248 $993,961
21 243 $18,058 $1,781 $16,278 $977,684
21 244 $18,058 $1,752 $16,307 $961,377
21 245 $18,058 $1,722 $16,336 $945,041
21 246 $18,058 $1,693 $16,365 $928,676
21 247 $18,058 $1,664 $16,395 $912,281
21 248 $18,058 $1,635 $16,424 $895,857
21 249 $18,058 $1,605 $16,453 $879,404
21 250 $18,058 $1,576 $16,483 $862,921
21 251 $18,058 $1,546 $16,512 $846,409
21 252 $18,058 $1,516 $16,542 $829,867
22 253 $18,058 $1,487 $16,572 $813,295
22 254 $18,058 $1,457 $16,601 $796,694
22 255 $18,058 $1,427 $16,631 $780,063
22 256 $18,058 $1,398 $16,661 $763,402
22 257 $18,058 $1,368 $16,691 $746,711
22 258 $18,058 $1,338 $16,721 $729,991
22 259 $18,058 $1,308 $16,751 $713,240
22 260 $18,058 $1,278 $16,781 $696,460
22 261 $18,058 $1,248 $16,811 $679,649
22 262 $18,058 $1,218 $16,841 $662,808
22 263 $18,058 $1,188 $16,871 $645,937
22 264 $18,058 $1,157 $16,901 $629,036
23 265 $18,058 $1,127 $16,931 $612,105
23 266 $18,058 $1,097 $16,962 $595,143
23 267 $18,058 $1,066 $16,992 $578,151
23 268 $18,058 $1,036 $17,023 $561,128
23 269 $18,058 $1,005 $17,053 $544,075
23 270 $18,058 $975 $17,084 $526,992
23 271 $18,058 $944 $17,114 $509,877
23 272 $18,058 $914 $17,145 $492,733
23 273 $18,058 $883 $17,176 $475,557
23 274 $18,058 $852 $17,206 $458,350
23 275 $18,058 $821 $17,237 $441,113
23 276 $18,058 $790 $17,268 $423,845
24 277 $18,058 $759 $17,299 $406,546
24 278 $18,058 $728 $17,330 $389,216
24 279 $18,058 $697 $17,361 $371,855
24 280 $18,058 $666 $17,392 $354,463
24 281 $18,058 $635 $17,423 $337,039
24 282 $18,058 $604 $17,455 $319,585
24 283 $18,058 $573 $17,486 $302,099
24 284 $18,058 $541 $17,517 $284,582
24 285 $18,058 $510 $17,549 $267,033
24 286 $18,058 $478 $17,580 $249,453
24 287 $18,058 $447 $17,612 $231,842
24 288 $18,058 $415 $17,643 $214,199
25 289 $18,058 $384 $17,675 $196,524
25 290 $18,058 $352 $17,706 $178,818
25 291 $18,058 $320 $17,738 $161,080
25 292 $18,058 $289 $17,770 $143,310
25 293 $18,058 $257 $17,802 $125,508
25 294 $18,058 $225 $17,834 $107,674
25 295 $18,058 $193 $17,866 $89,809
25 296 $18,058 $161 $17,898 $71,911
25 297 $18,058 $129 $17,930 $53,982
25 298 $18,058 $97 $17,962 $36,020
25 299 $18,058 $65 $17,994 $18,026
25 300 $18,058 $32 $18,026 $0