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$ 3,752,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,845,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,752,000
 
Monthly Repayment (HKD)
$24,268
Loan Amount (HKD)
$5,628,000
+
Total Interest (HKD)
$1,652,295
=
Total Repayment (HKD)
$7,280,295
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $24,268 $10,084 $14,184 $5,613,816
1 2 $24,268 $10,058 $14,210 $5,599,606
1 3 $24,268 $10,033 $14,235 $5,585,371
1 4 $24,268 $10,007 $14,261 $5,571,111
1 5 $24,268 $9,982 $14,286 $5,556,825
1 6 $24,268 $9,956 $14,312 $5,542,513
1 7 $24,268 $9,930 $14,337 $5,528,176
1 8 $24,268 $9,905 $14,363 $5,513,813
1 9 $24,268 $9,879 $14,389 $5,499,424
1 10 $24,268 $9,853 $14,415 $5,485,009
1 11 $24,268 $9,827 $14,440 $5,470,569
1 12 $24,268 $9,801 $14,466 $5,456,103
2 13 $24,268 $9,776 $14,492 $5,441,611
2 14 $24,268 $9,750 $14,518 $5,427,093
2 15 $24,268 $9,724 $14,544 $5,412,549
2 16 $24,268 $9,697 $14,570 $5,397,978
2 17 $24,268 $9,671 $14,596 $5,383,382
2 18 $24,268 $9,645 $14,622 $5,368,760
2 19 $24,268 $9,619 $14,649 $5,354,111
2 20 $24,268 $9,593 $14,675 $5,339,436
2 21 $24,268 $9,566 $14,701 $5,324,735
2 22 $24,268 $9,540 $14,727 $5,310,008
2 23 $24,268 $9,514 $14,754 $5,295,254
2 24 $24,268 $9,487 $14,780 $5,280,473
3 25 $24,268 $9,461 $14,807 $5,265,667
3 26 $24,268 $9,434 $14,833 $5,250,833
3 27 $24,268 $9,408 $14,860 $5,235,973
3 28 $24,268 $9,381 $14,887 $5,221,087
3 29 $24,268 $9,354 $14,913 $5,206,174
3 30 $24,268 $9,328 $14,940 $5,191,234
3 31 $24,268 $9,301 $14,967 $5,176,267
3 32 $24,268 $9,274 $14,994 $5,161,273
3 33 $24,268 $9,247 $15,020 $5,146,253
3 34 $24,268 $9,220 $15,047 $5,131,206
3 35 $24,268 $9,193 $15,074 $5,116,132
3 36 $24,268 $9,166 $15,101 $5,101,030
4 37 $24,268 $9,139 $15,128 $5,085,902
4 38 $24,268 $9,112 $15,155 $5,070,747
4 39 $24,268 $9,085 $15,183 $5,055,564
4 40 $24,268 $9,058 $15,210 $5,040,354
4 41 $24,268 $9,031 $15,237 $5,025,117
4 42 $24,268 $9,003 $15,264 $5,009,853
4 43 $24,268 $8,976 $15,292 $4,994,561
4 44 $24,268 $8,949 $15,319 $4,979,242
4 45 $24,268 $8,921 $15,347 $4,963,896
4 46 $24,268 $8,894 $15,374 $4,948,522
4 47 $24,268 $8,866 $15,402 $4,933,120
4 48 $24,268 $8,839 $15,429 $4,917,691
5 49 $24,268 $8,811 $15,457 $4,902,234
5 50 $24,268 $8,783 $15,484 $4,886,750
5 51 $24,268 $8,755 $15,512 $4,871,238
5 52 $24,268 $8,728 $15,540 $4,855,698
5 53 $24,268 $8,700 $15,568 $4,840,130
5 54 $24,268 $8,672 $15,596 $4,824,534
5 55 $24,268 $8,644 $15,624 $4,808,910
5 56 $24,268 $8,616 $15,652 $4,793,259
5 57 $24,268 $8,588 $15,680 $4,777,579
5 58 $24,268 $8,560 $15,708 $4,761,871
5 59 $24,268 $8,532 $15,736 $4,746,135
5 60 $24,268 $8,503 $15,764 $4,730,371
6 61 $24,268 $8,475 $15,792 $4,714,578
6 62 $24,268 $8,447 $15,821 $4,698,758
6 63 $24,268 $8,419 $15,849 $4,682,909
6 64 $24,268 $8,390 $15,877 $4,667,031
6 65 $24,268 $8,362 $15,906 $4,651,125
6 66 $24,268 $8,333 $15,934 $4,635,191
6 67 $24,268 $8,305 $15,963 $4,619,228
6 68 $24,268 $8,276 $15,992 $4,603,237
6 69 $24,268 $8,247 $16,020 $4,587,216
6 70 $24,268 $8,219 $16,049 $4,571,167
6 71 $24,268 $8,190 $16,078 $4,555,090
6 72 $24,268 $8,161 $16,106 $4,538,983
7 73 $24,268 $8,132 $16,135 $4,522,848
7 74 $24,268 $8,103 $16,164 $4,506,684
7 75 $24,268 $8,074 $16,193 $4,490,491
7 76 $24,268 $8,045 $16,222 $4,474,269
7 77 $24,268 $8,016 $16,251 $4,458,017
7 78 $24,268 $7,987 $16,280 $4,441,737
7 79 $24,268 $7,958 $16,310 $4,425,427
7 80 $24,268 $7,929 $16,339 $4,409,089
7 81 $24,268 $7,900 $16,368 $4,392,721
7 82 $24,268 $7,870 $16,397 $4,376,323
7 83 $24,268 $7,841 $16,427 $4,359,896
7 84 $24,268 $7,811 $16,456 $4,343,440
8 85 $24,268 $7,782 $16,486 $4,326,955
8 86 $24,268 $7,752 $16,515 $4,310,439
8 87 $24,268 $7,723 $16,545 $4,293,895
8 88 $24,268 $7,693 $16,574 $4,277,320
8 89 $24,268 $7,664 $16,604 $4,260,716
8 90 $24,268 $7,634 $16,634 $4,244,082
8 91 $24,268 $7,604 $16,664 $4,227,419
8 92 $24,268 $7,574 $16,694 $4,210,725
8 93 $24,268 $7,544 $16,723 $4,194,002
8 94 $24,268 $7,514 $16,753 $4,177,248
8 95 $24,268 $7,484 $16,783 $4,160,465
8 96 $24,268 $7,454 $16,813 $4,143,651
9 97 $24,268 $7,424 $16,844 $4,126,808
9 98 $24,268 $7,394 $16,874 $4,109,934
9 99 $24,268 $7,364 $16,904 $4,093,030
9 100 $24,268 $7,333 $16,934 $4,076,096
9 101 $24,268 $7,303 $16,965 $4,059,131
9 102 $24,268 $7,273 $16,995 $4,042,136
9 103 $24,268 $7,242 $17,025 $4,025,110
9 104 $24,268 $7,212 $17,056 $4,008,054
9 105 $24,268 $7,181 $17,087 $3,990,968
9 106 $24,268 $7,150 $17,117 $3,973,851
9 107 $24,268 $7,120 $17,148 $3,956,703
9 108 $24,268 $7,089 $17,179 $3,939,524
10 109 $24,268 $7,058 $17,209 $3,922,315
10 110 $24,268 $7,027 $17,240 $3,905,075
10 111 $24,268 $6,997 $17,271 $3,887,804
10 112 $24,268 $6,966 $17,302 $3,870,502
10 113 $24,268 $6,935 $17,333 $3,853,169
10 114 $24,268 $6,904 $17,364 $3,835,805
10 115 $24,268 $6,872 $17,395 $3,818,410
10 116 $24,268 $6,841 $17,426 $3,800,983
10 117 $24,268 $6,810 $17,458 $3,783,526
10 118 $24,268 $6,779 $17,489 $3,766,037
10 119 $24,268 $6,747 $17,520 $3,748,517
10 120 $24,268 $6,716 $17,552 $3,730,965
11 121 $24,268 $6,685 $17,583 $3,713,382
11 122 $24,268 $6,653 $17,615 $3,695,768
11 123 $24,268 $6,622 $17,646 $3,678,122
11 124 $24,268 $6,590 $17,678 $3,660,444
11 125 $24,268 $6,558 $17,709 $3,642,735
11 126 $24,268 $6,527 $17,741 $3,624,993
11 127 $24,268 $6,495 $17,773 $3,607,221
11 128 $24,268 $6,463 $17,805 $3,589,416
11 129 $24,268 $6,431 $17,837 $3,571,579
11 130 $24,268 $6,399 $17,869 $3,553,711
11 131 $24,268 $6,367 $17,901 $3,535,810
11 132 $24,268 $6,335 $17,933 $3,517,877
12 133 $24,268 $6,303 $17,965 $3,499,913
12 134 $24,268 $6,271 $17,997 $3,481,916
12 135 $24,268 $6,238 $18,029 $3,463,886
12 136 $24,268 $6,206 $18,062 $3,445,825
12 137 $24,268 $6,174 $18,094 $3,427,731
12 138 $24,268 $6,141 $18,126 $3,409,605
12 139 $24,268 $6,109 $18,159 $3,391,446
12 140 $24,268 $6,076 $18,191 $3,373,255
12 141 $24,268 $6,044 $18,224 $3,355,031
12 142 $24,268 $6,011 $18,257 $3,336,774
12 143 $24,268 $5,978 $18,289 $3,318,485
12 144 $24,268 $5,946 $18,322 $3,300,163
13 145 $24,268 $5,913 $18,355 $3,281,808
13 146 $24,268 $5,880 $18,388 $3,263,420
13 147 $24,268 $5,847 $18,421 $3,245,000
13 148 $24,268 $5,814 $18,454 $3,226,546
13 149 $24,268 $5,781 $18,487 $3,208,059
13 150 $24,268 $5,748 $18,520 $3,189,539
13 151 $24,268 $5,715 $18,553 $3,170,986
13 152 $24,268 $5,681 $18,586 $3,152,400
13 153 $24,268 $5,648 $18,620 $3,133,780
13 154 $24,268 $5,615 $18,653 $3,115,127
13 155 $24,268 $5,581 $18,686 $3,096,441
13 156 $24,268 $5,548 $18,720 $3,077,721
14 157 $24,268 $5,514 $18,753 $3,058,968
14 158 $24,268 $5,481 $18,787 $3,040,181
14 159 $24,268 $5,447 $18,821 $3,021,360
14 160 $24,268 $5,413 $18,854 $3,002,506
14 161 $24,268 $5,379 $18,888 $2,983,618
14 162 $24,268 $5,346 $18,922 $2,964,696
14 163 $24,268 $5,312 $18,956 $2,945,740
14 164 $24,268 $5,278 $18,990 $2,926,750
14 165 $24,268 $5,244 $19,024 $2,907,726
14 166 $24,268 $5,210 $19,058 $2,888,668
14 167 $24,268 $5,176 $19,092 $2,869,576
14 168 $24,268 $5,141 $19,126 $2,850,450
15 169 $24,268 $5,107 $19,161 $2,831,289
15 170 $24,268 $5,073 $19,195 $2,812,094
15 171 $24,268 $5,038 $19,229 $2,792,865
15 172 $24,268 $5,004 $19,264 $2,773,601
15 173 $24,268 $4,969 $19,298 $2,754,303
15 174 $24,268 $4,935 $19,333 $2,734,970
15 175 $24,268 $4,900 $19,367 $2,715,602
15 176 $24,268 $4,865 $19,402 $2,696,200
15 177 $24,268 $4,831 $19,437 $2,676,763
15 178 $24,268 $4,796 $19,472 $2,657,291
15 179 $24,268 $4,761 $19,507 $2,637,785
15 180 $24,268 $4,726 $19,542 $2,618,243
16 181 $24,268 $4,691 $19,577 $2,598,666
16 182 $24,268 $4,656 $19,612 $2,579,055
16 183 $24,268 $4,621 $19,647 $2,559,408
16 184 $24,268 $4,586 $19,682 $2,539,726
16 185 $24,268 $4,550 $19,717 $2,520,009
16 186 $24,268 $4,515 $19,753 $2,500,256
16 187 $24,268 $4,480 $19,788 $2,480,468
16 188 $24,268 $4,444 $19,823 $2,460,644
16 189 $24,268 $4,409 $19,859 $2,440,785
16 190 $24,268 $4,373 $19,895 $2,420,891
16 191 $24,268 $4,337 $19,930 $2,400,961
16 192 $24,268 $4,302 $19,966 $2,380,995
17 193 $24,268 $4,266 $20,002 $2,360,993
17 194 $24,268 $4,230 $20,038 $2,340,955
17 195 $24,268 $4,194 $20,073 $2,320,882
17 196 $24,268 $4,158 $20,109 $2,300,773
17 197 $24,268 $4,122 $20,145 $2,280,627
17 198 $24,268 $4,086 $20,182 $2,260,446
17 199 $24,268 $4,050 $20,218 $2,240,228
17 200 $24,268 $4,014 $20,254 $2,219,974
17 201 $24,268 $3,977 $20,290 $2,199,684
17 202 $24,268 $3,941 $20,327 $2,179,357
17 203 $24,268 $3,905 $20,363 $2,158,994
17 204 $24,268 $3,868 $20,399 $2,138,595
18 205 $24,268 $3,832 $20,436 $2,118,159
18 206 $24,268 $3,795 $20,473 $2,097,686
18 207 $24,268 $3,758 $20,509 $2,077,177
18 208 $24,268 $3,722 $20,546 $2,056,631
18 209 $24,268 $3,685 $20,583 $2,036,048
18 210 $24,268 $3,648 $20,620 $2,015,428
18 211 $24,268 $3,611 $20,657 $1,994,772
18 212 $24,268 $3,574 $20,694 $1,974,078
18 213 $24,268 $3,537 $20,731 $1,953,347
18 214 $24,268 $3,500 $20,768 $1,932,579
18 215 $24,268 $3,463 $20,805 $1,911,774
18 216 $24,268 $3,425 $20,842 $1,890,932
19 217 $24,268 $3,388 $20,880 $1,870,052
19 218 $24,268 $3,351 $20,917 $1,849,135
19 219 $24,268 $3,313 $20,955 $1,828,180
19 220 $24,268 $3,275 $20,992 $1,807,188
19 221 $24,268 $3,238 $21,030 $1,786,158
19 222 $24,268 $3,200 $21,067 $1,765,091
19 223 $24,268 $3,162 $21,105 $1,743,986
19 224 $24,268 $3,125 $21,143 $1,722,843
19 225 $24,268 $3,087 $21,181 $1,701,662
19 226 $24,268 $3,049 $21,219 $1,680,443
19 227 $24,268 $3,011 $21,257 $1,659,186
19 228 $24,268 $2,973 $21,295 $1,637,891
20 229 $24,268 $2,935 $21,333 $1,616,558
20 230 $24,268 $2,896 $21,371 $1,595,187
20 231 $24,268 $2,858 $21,410 $1,573,777
20 232 $24,268 $2,820 $21,448 $1,552,329
20 233 $24,268 $2,781 $21,486 $1,530,843
20 234 $24,268 $2,743 $21,525 $1,509,318
20 235 $24,268 $2,704 $21,563 $1,487,755
20 236 $24,268 $2,666 $21,602 $1,466,152
20 237 $24,268 $2,627 $21,641 $1,444,512
20 238 $24,268 $2,588 $21,680 $1,422,832
20 239 $24,268 $2,549 $21,718 $1,401,114
20 240 $24,268 $2,510 $21,757 $1,379,356
21 241 $24,268 $2,471 $21,796 $1,357,560
21 242 $24,268 $2,432 $21,835 $1,335,725
21 243 $24,268 $2,393 $21,874 $1,313,850
21 244 $24,268 $2,354 $21,914 $1,291,937
21 245 $24,268 $2,315 $21,953 $1,269,984
21 246 $24,268 $2,275 $21,992 $1,247,991
21 247 $24,268 $2,236 $22,032 $1,225,960
21 248 $24,268 $2,197 $22,071 $1,203,889
21 249 $24,268 $2,157 $22,111 $1,181,778
21 250 $24,268 $2,117 $22,150 $1,159,628
21 251 $24,268 $2,078 $22,190 $1,137,438
21 252 $24,268 $2,038 $22,230 $1,115,208
22 253 $24,268 $1,998 $22,270 $1,092,938
22 254 $24,268 $1,958 $22,309 $1,070,629
22 255 $24,268 $1,918 $22,349 $1,048,279
22 256 $24,268 $1,878 $22,389 $1,025,890
22 257 $24,268 $1,838 $22,430 $1,003,460
22 258 $24,268 $1,798 $22,470 $980,991
22 259 $24,268 $1,758 $22,510 $958,480
22 260 $24,268 $1,717 $22,550 $935,930
22 261 $24,268 $1,677 $22,591 $913,339
22 262 $24,268 $1,636 $22,631 $890,708
22 263 $24,268 $1,596 $22,672 $868,036
22 264 $24,268 $1,555 $22,712 $845,324
23 265 $24,268 $1,515 $22,753 $822,571
23 266 $24,268 $1,474 $22,794 $799,777
23 267 $24,268 $1,433 $22,835 $776,942
23 268 $24,268 $1,392 $22,876 $754,067
23 269 $24,268 $1,351 $22,917 $731,150
23 270 $24,268 $1,310 $22,958 $708,192
23 271 $24,268 $1,269 $22,999 $685,193
23 272 $24,268 $1,228 $23,040 $662,153
23 273 $24,268 $1,186 $23,081 $639,072
23 274 $24,268 $1,145 $23,123 $615,949
23 275 $24,268 $1,104 $23,164 $592,785
23 276 $24,268 $1,062 $23,206 $569,580
24 277 $24,268 $1,020 $23,247 $546,333
24 278 $24,268 $979 $23,289 $523,044
24 279 $24,268 $937 $23,331 $499,713
24 280 $24,268 $895 $23,372 $476,341
24 281 $24,268 $853 $23,414 $452,927
24 282 $24,268 $811 $23,456 $429,471
24 283 $24,268 $769 $23,498 $405,972
24 284 $24,268 $727 $23,540 $382,432
24 285 $24,268 $685 $23,582 $358,850
24 286 $24,268 $643 $23,625 $335,225
24 287 $24,268 $601 $23,667 $311,558
24 288 $24,268 $558 $23,709 $287,849
25 289 $24,268 $516 $23,752 $264,097
25 290 $24,268 $473 $23,794 $240,302
25 291 $24,268 $431 $23,837 $216,465
25 292 $24,268 $388 $23,880 $192,585
25 293 $24,268 $345 $23,923 $168,663
25 294 $24,268 $302 $23,965 $144,697
25 295 $24,268 $259 $24,008 $120,689
25 296 $24,268 $216 $24,051 $96,637
25 297 $24,268 $173 $24,095 $72,543
25 298 $24,268 $130 $24,138 $48,405
25 299 $24,268 $87 $24,181 $24,224
25 300 $24,268 $43 $24,224 $0