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$ 3,832,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,927,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,832,000
 
Monthly Repayment (HKD)
$24,785
Loan Amount (HKD)
$5,748,000
+
Total Interest (HKD)
$1,687,525
=
Total Repayment (HKD)
$7,435,525
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $24,785 $10,299 $14,487 $5,733,513
1 2 $24,785 $10,273 $14,513 $5,719,001
1 3 $24,785 $10,247 $14,539 $5,704,462
1 4 $24,785 $10,220 $14,565 $5,689,898
1 5 $24,785 $10,194 $14,591 $5,675,307
1 6 $24,785 $10,168 $14,617 $5,660,690
1 7 $24,785 $10,142 $14,643 $5,646,047
1 8 $24,785 $10,116 $14,669 $5,631,378
1 9 $24,785 $10,090 $14,696 $5,616,682
1 10 $24,785 $10,063 $14,722 $5,601,961
1 11 $24,785 $10,037 $14,748 $5,587,212
1 12 $24,785 $10,010 $14,775 $5,572,438
2 13 $24,785 $9,984 $14,801 $5,557,637
2 14 $24,785 $9,957 $14,828 $5,542,809
2 15 $24,785 $9,931 $14,854 $5,527,955
2 16 $24,785 $9,904 $14,881 $5,513,074
2 17 $24,785 $9,878 $14,907 $5,498,166
2 18 $24,785 $9,851 $14,934 $5,483,232
2 19 $24,785 $9,824 $14,961 $5,468,271
2 20 $24,785 $9,797 $14,988 $5,453,283
2 21 $24,785 $9,770 $15,015 $5,438,269
2 22 $24,785 $9,744 $15,042 $5,423,227
2 23 $24,785 $9,717 $15,068 $5,408,159
2 24 $24,785 $9,690 $15,095 $5,393,063
3 25 $24,785 $9,663 $15,123 $5,377,941
3 26 $24,785 $9,635 $15,150 $5,362,791
3 27 $24,785 $9,608 $15,177 $5,347,615
3 28 $24,785 $9,581 $15,204 $5,332,411
3 29 $24,785 $9,554 $15,231 $5,317,179
3 30 $24,785 $9,527 $15,258 $5,301,921
3 31 $24,785 $9,499 $15,286 $5,286,635
3 32 $24,785 $9,472 $15,313 $5,271,322
3 33 $24,785 $9,444 $15,341 $5,255,981
3 34 $24,785 $9,417 $15,368 $5,240,613
3 35 $24,785 $9,389 $15,396 $5,225,218
3 36 $24,785 $9,362 $15,423 $5,209,794
4 37 $24,785 $9,334 $15,451 $5,194,343
4 38 $24,785 $9,307 $15,479 $5,178,865
4 39 $24,785 $9,279 $15,506 $5,163,359
4 40 $24,785 $9,251 $15,534 $5,147,825
4 41 $24,785 $9,223 $15,562 $5,132,263
4 42 $24,785 $9,195 $15,590 $5,116,673
4 43 $24,785 $9,167 $15,618 $5,101,055
4 44 $24,785 $9,139 $15,646 $5,085,409
4 45 $24,785 $9,111 $15,674 $5,069,736
4 46 $24,785 $9,083 $15,702 $5,054,034
4 47 $24,785 $9,055 $15,730 $5,038,304
4 48 $24,785 $9,027 $15,758 $5,022,546
5 49 $24,785 $8,999 $15,786 $5,006,759
5 50 $24,785 $8,970 $15,815 $4,990,945
5 51 $24,785 $8,942 $15,843 $4,975,102
5 52 $24,785 $8,914 $15,871 $4,959,231
5 53 $24,785 $8,885 $15,900 $4,943,331
5 54 $24,785 $8,857 $15,928 $4,927,402
5 55 $24,785 $8,828 $15,957 $4,911,446
5 56 $24,785 $8,800 $15,985 $4,895,460
5 57 $24,785 $8,771 $16,014 $4,879,446
5 58 $24,785 $8,742 $16,043 $4,863,403
5 59 $24,785 $8,714 $16,071 $4,847,332
5 60 $24,785 $8,685 $16,100 $4,831,232
6 61 $24,785 $8,656 $16,129 $4,815,103
6 62 $24,785 $8,627 $16,158 $4,798,944
6 63 $24,785 $8,598 $16,187 $4,782,758
6 64 $24,785 $8,569 $16,216 $4,766,542
6 65 $24,785 $8,540 $16,245 $4,750,297
6 66 $24,785 $8,511 $16,274 $4,734,022
6 67 $24,785 $8,482 $16,303 $4,717,719
6 68 $24,785 $8,453 $16,333 $4,701,387
6 69 $24,785 $8,423 $16,362 $4,685,025
6 70 $24,785 $8,394 $16,391 $4,668,634
6 71 $24,785 $8,365 $16,420 $4,652,213
6 72 $24,785 $8,335 $16,450 $4,635,763
7 73 $24,785 $8,306 $16,479 $4,619,284
7 74 $24,785 $8,276 $16,509 $4,602,775
7 75 $24,785 $8,247 $16,538 $4,586,237
7 76 $24,785 $8,217 $16,568 $4,569,669
7 77 $24,785 $8,187 $16,598 $4,553,071
7 78 $24,785 $8,158 $16,627 $4,536,443
7 79 $24,785 $8,128 $16,657 $4,519,786
7 80 $24,785 $8,098 $16,687 $4,503,099
7 81 $24,785 $8,068 $16,717 $4,486,382
7 82 $24,785 $8,038 $16,747 $4,469,635
7 83 $24,785 $8,008 $16,777 $4,452,858
7 84 $24,785 $7,978 $16,807 $4,436,051
8 85 $24,785 $7,948 $16,837 $4,419,214
8 86 $24,785 $7,918 $16,867 $4,402,346
8 87 $24,785 $7,888 $16,898 $4,385,449
8 88 $24,785 $7,857 $16,928 $4,368,521
8 89 $24,785 $7,827 $16,958 $4,351,563
8 90 $24,785 $7,797 $16,989 $4,334,574
8 91 $24,785 $7,766 $17,019 $4,317,555
8 92 $24,785 $7,736 $17,049 $4,300,506
8 93 $24,785 $7,705 $17,080 $4,283,426
8 94 $24,785 $7,674 $17,111 $4,266,315
8 95 $24,785 $7,644 $17,141 $4,249,174
8 96 $24,785 $7,613 $17,172 $4,232,002
9 97 $24,785 $7,582 $17,203 $4,214,799
9 98 $24,785 $7,552 $17,234 $4,197,566
9 99 $24,785 $7,521 $17,264 $4,180,301
9 100 $24,785 $7,490 $17,295 $4,163,006
9 101 $24,785 $7,459 $17,326 $4,145,680
9 102 $24,785 $7,428 $17,357 $4,128,322
9 103 $24,785 $7,397 $17,389 $4,110,934
9 104 $24,785 $7,365 $17,420 $4,093,514
9 105 $24,785 $7,334 $17,451 $4,076,063
9 106 $24,785 $7,303 $17,482 $4,058,581
9 107 $24,785 $7,272 $17,513 $4,041,068
9 108 $24,785 $7,240 $17,545 $4,023,523
10 109 $24,785 $7,209 $17,576 $4,005,946
10 110 $24,785 $7,177 $17,608 $3,988,339
10 111 $24,785 $7,146 $17,639 $3,970,699
10 112 $24,785 $7,114 $17,671 $3,953,029
10 113 $24,785 $7,083 $17,703 $3,935,326
10 114 $24,785 $7,051 $17,734 $3,917,592
10 115 $24,785 $7,019 $17,766 $3,899,826
10 116 $24,785 $6,987 $17,798 $3,882,028
10 117 $24,785 $6,955 $17,830 $3,864,198
10 118 $24,785 $6,923 $17,862 $3,846,336
10 119 $24,785 $6,891 $17,894 $3,828,442
10 120 $24,785 $6,859 $17,926 $3,810,517
11 121 $24,785 $6,827 $17,958 $3,792,559
11 122 $24,785 $6,795 $17,990 $3,774,569
11 123 $24,785 $6,763 $18,022 $3,756,546
11 124 $24,785 $6,730 $18,055 $3,738,492
11 125 $24,785 $6,698 $18,087 $3,720,405
11 126 $24,785 $6,666 $18,119 $3,702,285
11 127 $24,785 $6,633 $18,152 $3,684,134
11 128 $24,785 $6,601 $18,184 $3,665,949
11 129 $24,785 $6,568 $18,217 $3,647,732
11 130 $24,785 $6,536 $18,250 $3,629,483
11 131 $24,785 $6,503 $18,282 $3,611,201
11 132 $24,785 $6,470 $18,315 $3,592,885
12 133 $24,785 $6,437 $18,348 $3,574,538
12 134 $24,785 $6,404 $18,381 $3,556,157
12 135 $24,785 $6,371 $18,414 $3,537,743
12 136 $24,785 $6,338 $18,447 $3,519,297
12 137 $24,785 $6,305 $18,480 $3,500,817
12 138 $24,785 $6,272 $18,513 $3,482,304
12 139 $24,785 $6,239 $18,546 $3,463,758
12 140 $24,785 $6,206 $18,579 $3,445,179
12 141 $24,785 $6,173 $18,612 $3,426,567
12 142 $24,785 $6,139 $18,646 $3,407,921
12 143 $24,785 $6,106 $18,679 $3,389,242
12 144 $24,785 $6,072 $18,713 $3,370,529
13 145 $24,785 $6,039 $18,746 $3,351,783
13 146 $24,785 $6,005 $18,780 $3,333,003
13 147 $24,785 $5,972 $18,813 $3,314,189
13 148 $24,785 $5,938 $18,847 $3,295,342
13 149 $24,785 $5,904 $18,881 $3,276,461
13 150 $24,785 $5,870 $18,915 $3,257,547
13 151 $24,785 $5,836 $18,949 $3,238,598
13 152 $24,785 $5,802 $18,983 $3,219,615
13 153 $24,785 $5,768 $19,017 $3,200,599
13 154 $24,785 $5,734 $19,051 $3,181,548
13 155 $24,785 $5,700 $19,085 $3,162,463
13 156 $24,785 $5,666 $19,119 $3,143,344
14 157 $24,785 $5,632 $19,153 $3,124,191
14 158 $24,785 $5,598 $19,188 $3,105,003
14 159 $24,785 $5,563 $19,222 $3,085,781
14 160 $24,785 $5,529 $19,256 $3,066,525
14 161 $24,785 $5,494 $19,291 $3,047,234
14 162 $24,785 $5,460 $19,325 $3,027,909
14 163 $24,785 $5,425 $19,360 $3,008,549
14 164 $24,785 $5,390 $19,395 $2,989,154
14 165 $24,785 $5,356 $19,430 $2,969,724
14 166 $24,785 $5,321 $19,464 $2,950,260
14 167 $24,785 $5,286 $19,499 $2,930,761
14 168 $24,785 $5,251 $19,534 $2,911,227
15 169 $24,785 $5,216 $19,569 $2,891,658
15 170 $24,785 $5,181 $19,604 $2,872,053
15 171 $24,785 $5,146 $19,639 $2,852,414
15 172 $24,785 $5,111 $19,675 $2,832,740
15 173 $24,785 $5,075 $19,710 $2,813,030
15 174 $24,785 $5,040 $19,745 $2,793,285
15 175 $24,785 $5,005 $19,780 $2,773,504
15 176 $24,785 $4,969 $19,816 $2,753,688
15 177 $24,785 $4,934 $19,851 $2,733,837
15 178 $24,785 $4,898 $19,887 $2,713,950
15 179 $24,785 $4,862 $19,923 $2,694,027
15 180 $24,785 $4,827 $19,958 $2,674,069
16 181 $24,785 $4,791 $19,994 $2,654,075
16 182 $24,785 $4,755 $20,030 $2,634,045
16 183 $24,785 $4,719 $20,066 $2,613,979
16 184 $24,785 $4,683 $20,102 $2,593,878
16 185 $24,785 $4,647 $20,138 $2,573,740
16 186 $24,785 $4,611 $20,174 $2,553,566
16 187 $24,785 $4,575 $20,210 $2,533,356
16 188 $24,785 $4,539 $20,246 $2,513,110
16 189 $24,785 $4,503 $20,282 $2,492,828
16 190 $24,785 $4,466 $20,319 $2,472,509
16 191 $24,785 $4,430 $20,355 $2,452,154
16 192 $24,785 $4,393 $20,392 $2,431,762
17 193 $24,785 $4,357 $20,428 $2,411,334
17 194 $24,785 $4,320 $20,465 $2,390,869
17 195 $24,785 $4,284 $20,501 $2,370,368
17 196 $24,785 $4,247 $20,538 $2,349,830
17 197 $24,785 $4,210 $20,575 $2,329,255
17 198 $24,785 $4,173 $20,612 $2,308,643
17 199 $24,785 $4,136 $20,649 $2,287,994
17 200 $24,785 $4,099 $20,686 $2,267,308
17 201 $24,785 $4,062 $20,723 $2,246,585
17 202 $24,785 $4,025 $20,760 $2,225,825
17 203 $24,785 $3,988 $20,797 $2,205,028
17 204 $24,785 $3,951 $20,834 $2,184,194
18 205 $24,785 $3,913 $20,872 $2,163,322
18 206 $24,785 $3,876 $20,909 $2,142,413
18 207 $24,785 $3,838 $20,947 $2,121,466
18 208 $24,785 $3,801 $20,984 $2,100,482
18 209 $24,785 $3,763 $21,022 $2,079,461
18 210 $24,785 $3,726 $21,059 $2,058,401
18 211 $24,785 $3,688 $21,097 $2,037,304
18 212 $24,785 $3,650 $21,135 $2,016,169
18 213 $24,785 $3,612 $21,173 $1,994,996
18 214 $24,785 $3,574 $21,211 $1,973,786
18 215 $24,785 $3,536 $21,249 $1,952,537
18 216 $24,785 $3,498 $21,287 $1,931,250
19 217 $24,785 $3,460 $21,325 $1,909,925
19 218 $24,785 $3,422 $21,363 $1,888,562
19 219 $24,785 $3,384 $21,401 $1,867,161
19 220 $24,785 $3,345 $21,440 $1,845,721
19 221 $24,785 $3,307 $21,478 $1,824,243
19 222 $24,785 $3,268 $21,517 $1,802,726
19 223 $24,785 $3,230 $21,555 $1,781,171
19 224 $24,785 $3,191 $21,594 $1,759,577
19 225 $24,785 $3,153 $21,633 $1,737,945
19 226 $24,785 $3,114 $21,671 $1,716,273
19 227 $24,785 $3,075 $21,710 $1,694,563
19 228 $24,785 $3,036 $21,749 $1,672,814
20 229 $24,785 $2,997 $21,788 $1,651,026
20 230 $24,785 $2,958 $21,827 $1,629,199
20 231 $24,785 $2,919 $21,866 $1,607,333
20 232 $24,785 $2,880 $21,905 $1,585,428
20 233 $24,785 $2,841 $21,945 $1,563,483
20 234 $24,785 $2,801 $21,984 $1,541,500
20 235 $24,785 $2,762 $22,023 $1,519,476
20 236 $24,785 $2,722 $22,063 $1,497,414
20 237 $24,785 $2,683 $22,102 $1,475,311
20 238 $24,785 $2,643 $22,142 $1,453,170
20 239 $24,785 $2,604 $22,181 $1,430,988
20 240 $24,785 $2,564 $22,221 $1,408,767
21 241 $24,785 $2,524 $22,261 $1,386,506
21 242 $24,785 $2,484 $22,301 $1,364,205
21 243 $24,785 $2,444 $22,341 $1,341,864
21 244 $24,785 $2,404 $22,381 $1,319,483
21 245 $24,785 $2,364 $22,421 $1,297,062
21 246 $24,785 $2,324 $22,461 $1,274,601
21 247 $24,785 $2,284 $22,501 $1,252,100
21 248 $24,785 $2,243 $22,542 $1,229,558
21 249 $24,785 $2,203 $22,582 $1,206,976
21 250 $24,785 $2,162 $22,623 $1,184,353
21 251 $24,785 $2,122 $22,663 $1,161,690
21 252 $24,785 $2,081 $22,704 $1,138,986
22 253 $24,785 $2,041 $22,744 $1,116,242
22 254 $24,785 $2,000 $22,785 $1,093,457
22 255 $24,785 $1,959 $22,826 $1,070,631
22 256 $24,785 $1,918 $22,867 $1,047,764
22 257 $24,785 $1,877 $22,908 $1,024,856
22 258 $24,785 $1,836 $22,949 $1,001,907
22 259 $24,785 $1,795 $22,990 $978,917
22 260 $24,785 $1,754 $23,031 $955,886
22 261 $24,785 $1,713 $23,072 $932,814
22 262 $24,785 $1,671 $23,114 $909,700
22 263 $24,785 $1,630 $23,155 $886,545
22 264 $24,785 $1,588 $23,197 $863,348
23 265 $24,785 $1,547 $23,238 $840,110
23 266 $24,785 $1,505 $23,280 $816,830
23 267 $24,785 $1,463 $23,322 $793,508
23 268 $24,785 $1,422 $23,363 $770,145
23 269 $24,785 $1,380 $23,405 $746,739
23 270 $24,785 $1,338 $23,447 $723,292
23 271 $24,785 $1,296 $23,489 $699,803
23 272 $24,785 $1,254 $23,531 $676,272
23 273 $24,785 $1,212 $23,573 $652,698
23 274 $24,785 $1,169 $23,616 $629,083
23 275 $24,785 $1,127 $23,658 $605,425
23 276 $24,785 $1,085 $23,700 $581,724
24 277 $24,785 $1,042 $23,743 $557,982
24 278 $24,785 $1,000 $23,785 $534,196
24 279 $24,785 $957 $23,828 $510,368
24 280 $24,785 $914 $23,871 $486,498
24 281 $24,785 $872 $23,913 $462,584
24 282 $24,785 $829 $23,956 $438,628
24 283 $24,785 $786 $23,999 $414,629
24 284 $24,785 $743 $24,042 $390,586
24 285 $24,785 $700 $24,085 $366,501
24 286 $24,785 $657 $24,128 $342,373
24 287 $24,785 $613 $24,172 $318,201
24 288 $24,785 $570 $24,215 $293,986
25 289 $24,785 $527 $24,258 $269,728
25 290 $24,785 $483 $24,302 $245,426
25 291 $24,785 $440 $24,345 $221,081
25 292 $24,785 $396 $24,389 $196,692
25 293 $24,785 $352 $24,433 $172,259
25 294 $24,785 $309 $24,476 $147,782
25 295 $24,785 $265 $24,520 $123,262
25 296 $24,785 $221 $24,564 $98,698
25 297 $24,785 $177 $24,608 $74,090
25 298 $24,785 $133 $24,652 $49,437
25 299 $24,785 $89 $24,697 $24,741
25 300 $24,785 $44 $24,741 $0