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$ 4,592,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 4,706,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$4,592,000
 
Monthly Repayment (HKD)
$29,701
Loan Amount (HKD)
$6,888,000
+
Total Interest (HKD)
$2,022,212
=
Total Repayment (HKD)
$8,910,212
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $29,701 $12,341 $17,360 $6,870,640
1 2 $29,701 $12,310 $17,391 $6,853,249
1 3 $29,701 $12,279 $17,422 $6,835,828
1 4 $29,701 $12,248 $17,453 $6,818,374
1 5 $29,701 $12,216 $17,484 $6,800,890
1 6 $29,701 $12,185 $17,516 $6,783,374
1 7 $29,701 $12,154 $17,547 $6,765,827
1 8 $29,701 $12,122 $17,579 $6,748,248
1 9 $29,701 $12,091 $17,610 $6,730,638
1 10 $29,701 $12,059 $17,642 $6,712,997
1 11 $29,701 $12,027 $17,673 $6,695,323
1 12 $29,701 $11,996 $17,705 $6,677,618
2 13 $29,701 $11,964 $17,737 $6,659,882
2 14 $29,701 $11,932 $17,768 $6,642,113
2 15 $29,701 $11,900 $17,800 $6,624,313
2 16 $29,701 $11,869 $17,832 $6,606,481
2 17 $29,701 $11,837 $17,864 $6,588,617
2 18 $29,701 $11,805 $17,896 $6,570,721
2 19 $29,701 $11,773 $17,928 $6,552,793
2 20 $29,701 $11,740 $17,960 $6,534,832
2 21 $29,701 $11,708 $17,992 $6,516,840
2 22 $29,701 $11,676 $18,025 $6,498,815
2 23 $29,701 $11,644 $18,057 $6,480,758
2 24 $29,701 $11,611 $18,089 $6,462,669
3 25 $29,701 $11,579 $18,122 $6,444,547
3 26 $29,701 $11,546 $18,154 $6,426,393
3 27 $29,701 $11,514 $18,187 $6,408,206
3 28 $29,701 $11,481 $18,219 $6,389,987
3 29 $29,701 $11,449 $18,252 $6,371,735
3 30 $29,701 $11,416 $18,285 $6,353,450
3 31 $29,701 $11,383 $18,317 $6,335,133
3 32 $29,701 $11,350 $18,350 $6,316,782
3 33 $29,701 $11,318 $18,383 $6,298,399
3 34 $29,701 $11,285 $18,416 $6,279,983
3 35 $29,701 $11,252 $18,449 $6,261,534
3 36 $29,701 $11,219 $18,482 $6,243,052
4 37 $29,701 $11,185 $18,515 $6,224,537
4 38 $29,701 $11,152 $18,548 $6,205,988
4 39 $29,701 $11,119 $18,582 $6,187,407
4 40 $29,701 $11,086 $18,615 $6,168,792
4 41 $29,701 $11,052 $18,648 $6,150,144
4 42 $29,701 $11,019 $18,682 $6,131,462
4 43 $29,701 $10,986 $18,715 $6,112,747
4 44 $29,701 $10,952 $18,749 $6,093,998
4 45 $29,701 $10,918 $18,782 $6,075,216
4 46 $29,701 $10,885 $18,816 $6,056,400
4 47 $29,701 $10,851 $18,850 $6,037,550
4 48 $29,701 $10,817 $18,883 $6,018,667
5 49 $29,701 $10,783 $18,917 $5,999,749
5 50 $29,701 $10,750 $18,951 $5,980,798
5 51 $29,701 $10,716 $18,985 $5,961,813
5 52 $29,701 $10,682 $19,019 $5,942,794
5 53 $29,701 $10,648 $19,053 $5,923,741
5 54 $29,701 $10,613 $19,087 $5,904,653
5 55 $29,701 $10,579 $19,122 $5,885,532
5 56 $29,701 $10,545 $19,156 $5,866,376
5 57 $29,701 $10,511 $19,190 $5,847,186
5 58 $29,701 $10,476 $19,224 $5,827,961
5 59 $29,701 $10,442 $19,259 $5,808,703
5 60 $29,701 $10,407 $19,293 $5,789,409
6 61 $29,701 $10,373 $19,328 $5,770,081
6 62 $29,701 $10,338 $19,363 $5,750,718
6 63 $29,701 $10,303 $19,397 $5,731,321
6 64 $29,701 $10,269 $19,432 $5,711,889
6 65 $29,701 $10,234 $19,467 $5,692,422
6 66 $29,701 $10,199 $19,502 $5,672,920
6 67 $29,701 $10,164 $19,537 $5,653,384
6 68 $29,701 $10,129 $19,572 $5,633,812
6 69 $29,701 $10,094 $19,607 $5,614,205
6 70 $29,701 $10,059 $19,642 $5,594,563
6 71 $29,701 $10,024 $19,677 $5,574,886
6 72 $29,701 $9,988 $19,712 $5,555,174
7 73 $29,701 $9,953 $19,748 $5,535,426
7 74 $29,701 $9,918 $19,783 $5,515,643
7 75 $29,701 $9,882 $19,819 $5,495,824
7 76 $29,701 $9,847 $19,854 $5,475,970
7 77 $29,701 $9,811 $19,890 $5,456,081
7 78 $29,701 $9,775 $19,925 $5,436,156
7 79 $29,701 $9,740 $19,961 $5,416,195
7 80 $29,701 $9,704 $19,997 $5,396,198
7 81 $29,701 $9,668 $20,033 $5,376,165
7 82 $29,701 $9,632 $20,068 $5,356,097
7 83 $29,701 $9,596 $20,104 $5,335,993
7 84 $29,701 $9,560 $20,140 $5,315,852
8 85 $29,701 $9,524 $20,176 $5,295,676
8 86 $29,701 $9,488 $20,213 $5,275,463
8 87 $29,701 $9,452 $20,249 $5,255,214
8 88 $29,701 $9,416 $20,285 $5,234,929
8 89 $29,701 $9,379 $20,321 $5,214,608
8 90 $29,701 $9,343 $20,358 $5,194,250
8 91 $29,701 $9,306 $20,394 $5,173,856
8 92 $29,701 $9,270 $20,431 $5,153,425
8 93 $29,701 $9,233 $20,467 $5,132,957
8 94 $29,701 $9,197 $20,504 $5,112,453
8 95 $29,701 $9,160 $20,541 $5,091,912
8 96 $29,701 $9,123 $20,578 $5,071,334
9 97 $29,701 $9,086 $20,615 $5,050,720
9 98 $29,701 $9,049 $20,651 $5,030,068
9 99 $29,701 $9,012 $20,688 $5,009,380
9 100 $29,701 $8,975 $20,726 $4,988,654
9 101 $29,701 $8,938 $20,763 $4,967,892
9 102 $29,701 $8,901 $20,800 $4,947,092
9 103 $29,701 $8,864 $20,837 $4,926,255
9 104 $29,701 $8,826 $20,874 $4,905,380
9 105 $29,701 $8,789 $20,912 $4,884,468
9 106 $29,701 $8,751 $20,949 $4,863,519
9 107 $29,701 $8,714 $20,987 $4,842,532
9 108 $29,701 $8,676 $21,025 $4,821,507
10 109 $29,701 $8,639 $21,062 $4,800,445
10 110 $29,701 $8,601 $21,100 $4,779,345
10 111 $29,701 $8,563 $21,138 $4,758,208
10 112 $29,701 $8,525 $21,176 $4,737,032
10 113 $29,701 $8,487 $21,214 $4,715,819
10 114 $29,701 $8,449 $21,252 $4,694,567
10 115 $29,701 $8,411 $21,290 $4,673,277
10 116 $29,701 $8,373 $21,328 $4,651,950
10 117 $29,701 $8,335 $21,366 $4,630,584
10 118 $29,701 $8,296 $21,404 $4,609,179
10 119 $29,701 $8,258 $21,443 $4,587,737
10 120 $29,701 $8,220 $21,481 $4,566,256
11 121 $29,701 $8,181 $21,519 $4,544,736
11 122 $29,701 $8,143 $21,558 $4,523,178
11 123 $29,701 $8,104 $21,597 $4,501,582
11 124 $29,701 $8,065 $21,635 $4,479,946
11 125 $29,701 $8,027 $21,674 $4,458,272
11 126 $29,701 $7,988 $21,713 $4,436,559
11 127 $29,701 $7,949 $21,752 $4,414,807
11 128 $29,701 $7,910 $21,791 $4,393,016
11 129 $29,701 $7,871 $21,830 $4,371,187
11 130 $29,701 $7,832 $21,869 $4,349,318
11 131 $29,701 $7,793 $21,908 $4,327,409
11 132 $29,701 $7,753 $21,947 $4,305,462
12 133 $29,701 $7,714 $21,987 $4,283,475
12 134 $29,701 $7,675 $22,026 $4,261,449
12 135 $29,701 $7,635 $22,066 $4,239,383
12 136 $29,701 $7,596 $22,105 $4,217,278
12 137 $29,701 $7,556 $22,145 $4,195,134
12 138 $29,701 $7,516 $22,184 $4,172,949
12 139 $29,701 $7,477 $22,224 $4,150,725
12 140 $29,701 $7,437 $22,264 $4,128,461
12 141 $29,701 $7,397 $22,304 $4,106,157
12 142 $29,701 $7,357 $22,344 $4,083,813
12 143 $29,701 $7,317 $22,384 $4,061,429
12 144 $29,701 $7,277 $22,424 $4,039,005
13 145 $29,701 $7,237 $22,464 $4,016,541
13 146 $29,701 $7,196 $22,504 $3,994,037
13 147 $29,701 $7,156 $22,545 $3,971,492
13 148 $29,701 $7,116 $22,585 $3,948,907
13 149 $29,701 $7,075 $22,626 $3,926,281
13 150 $29,701 $7,035 $22,666 $3,903,615
13 151 $29,701 $6,994 $22,707 $3,880,909
13 152 $29,701 $6,953 $22,747 $3,858,161
13 153 $29,701 $6,913 $22,788 $3,835,373
13 154 $29,701 $6,872 $22,829 $3,812,544
13 155 $29,701 $6,831 $22,870 $3,789,674
13 156 $29,701 $6,790 $22,911 $3,766,763
14 157 $29,701 $6,749 $22,952 $3,743,811
14 158 $29,701 $6,708 $22,993 $3,720,818
14 159 $29,701 $6,666 $23,034 $3,697,784
14 160 $29,701 $6,625 $23,076 $3,674,709
14 161 $29,701 $6,584 $23,117 $3,651,592
14 162 $29,701 $6,542 $23,158 $3,628,433
14 163 $29,701 $6,501 $23,200 $3,605,234
14 164 $29,701 $6,459 $23,241 $3,581,992
14 165 $29,701 $6,418 $23,283 $3,558,709
14 166 $29,701 $6,376 $23,325 $3,535,385
14 167 $29,701 $6,334 $23,366 $3,512,018
14 168 $29,701 $6,292 $23,408 $3,488,610
15 169 $29,701 $6,250 $23,450 $3,465,160
15 170 $29,701 $6,208 $23,492 $3,441,667
15 171 $29,701 $6,166 $23,534 $3,418,133
15 172 $29,701 $6,124 $23,577 $3,394,556
15 173 $29,701 $6,082 $23,619 $3,370,938
15 174 $29,701 $6,040 $23,661 $3,347,276
15 175 $29,701 $5,997 $23,704 $3,323,573
15 176 $29,701 $5,955 $23,746 $3,299,827
15 177 $29,701 $5,912 $23,789 $3,276,038
15 178 $29,701 $5,870 $23,831 $3,252,207
15 179 $29,701 $5,827 $23,874 $3,228,333
15 180 $29,701 $5,784 $23,917 $3,204,417
16 181 $29,701 $5,741 $23,959 $3,180,457
16 182 $29,701 $5,698 $24,002 $3,156,455
16 183 $29,701 $5,655 $24,045 $3,132,410
16 184 $29,701 $5,612 $24,088 $3,108,321
16 185 $29,701 $5,569 $24,132 $3,084,190
16 186 $29,701 $5,526 $24,175 $3,060,015
16 187 $29,701 $5,483 $24,218 $3,035,796
16 188 $29,701 $5,439 $24,262 $3,011,535
16 189 $29,701 $5,396 $24,305 $2,987,230
16 190 $29,701 $5,352 $24,349 $2,962,881
16 191 $29,701 $5,308 $24,392 $2,938,489
16 192 $29,701 $5,265 $24,436 $2,914,053
17 193 $29,701 $5,221 $24,480 $2,889,573
17 194 $29,701 $5,177 $24,524 $2,865,050
17 195 $29,701 $5,133 $24,567 $2,840,482
17 196 $29,701 $5,089 $24,612 $2,815,871
17 197 $29,701 $5,045 $24,656 $2,791,215
17 198 $29,701 $5,001 $24,700 $2,766,516
17 199 $29,701 $4,957 $24,744 $2,741,772
17 200 $29,701 $4,912 $24,788 $2,716,983
17 201 $29,701 $4,868 $24,833 $2,692,150
17 202 $29,701 $4,823 $24,877 $2,667,273
17 203 $29,701 $4,779 $24,922 $2,642,351
17 204 $29,701 $4,734 $24,966 $2,617,385
18 205 $29,701 $4,689 $25,011 $2,592,374
18 206 $29,701 $4,645 $25,056 $2,567,318
18 207 $29,701 $4,600 $25,101 $2,542,217
18 208 $29,701 $4,555 $25,146 $2,517,071
18 209 $29,701 $4,510 $25,191 $2,491,880
18 210 $29,701 $4,465 $25,236 $2,466,644
18 211 $29,701 $4,419 $25,281 $2,441,362
18 212 $29,701 $4,374 $25,327 $2,416,036
18 213 $29,701 $4,329 $25,372 $2,390,664
18 214 $29,701 $4,283 $25,417 $2,365,246
18 215 $29,701 $4,238 $25,463 $2,339,783
18 216 $29,701 $4,192 $25,509 $2,314,275
19 217 $29,701 $4,146 $25,554 $2,288,720
19 218 $29,701 $4,101 $25,600 $2,263,120
19 219 $29,701 $4,055 $25,646 $2,237,474
19 220 $29,701 $4,009 $25,692 $2,211,783
19 221 $29,701 $3,963 $25,738 $2,186,045
19 222 $29,701 $3,917 $25,784 $2,160,261
19 223 $29,701 $3,870 $25,830 $2,134,430
19 224 $29,701 $3,824 $25,877 $2,108,554
19 225 $29,701 $3,778 $25,923 $2,082,631
19 226 $29,701 $3,731 $25,969 $2,056,662
19 227 $29,701 $3,685 $26,016 $2,030,646
19 228 $29,701 $3,638 $26,062 $2,004,583
20 229 $29,701 $3,592 $26,109 $1,978,474
20 230 $29,701 $3,545 $26,156 $1,952,318
20 231 $29,701 $3,498 $26,203 $1,926,115
20 232 $29,701 $3,451 $26,250 $1,899,866
20 233 $29,701 $3,404 $26,297 $1,873,569
20 234 $29,701 $3,357 $26,344 $1,847,225
20 235 $29,701 $3,310 $26,391 $1,820,834
20 236 $29,701 $3,262 $26,438 $1,794,396
20 237 $29,701 $3,215 $26,486 $1,767,910
20 238 $29,701 $3,168 $26,533 $1,741,377
20 239 $29,701 $3,120 $26,581 $1,714,796
20 240 $29,701 $3,072 $26,628 $1,688,167
21 241 $29,701 $3,025 $26,676 $1,661,491
21 242 $29,701 $2,977 $26,724 $1,634,768
21 243 $29,701 $2,929 $26,772 $1,607,996
21 244 $29,701 $2,881 $26,820 $1,581,176
21 245 $29,701 $2,833 $26,868 $1,554,308
21 246 $29,701 $2,785 $26,916 $1,527,392
21 247 $29,701 $2,737 $26,964 $1,500,428
21 248 $29,701 $2,688 $27,012 $1,473,416
21 249 $29,701 $2,640 $27,061 $1,446,355
21 250 $29,701 $2,591 $27,109 $1,419,246
21 251 $29,701 $2,543 $27,158 $1,392,088
21 252 $29,701 $2,494 $27,207 $1,364,881
22 253 $29,701 $2,445 $27,255 $1,337,626
22 254 $29,701 $2,397 $27,304 $1,310,322
22 255 $29,701 $2,348 $27,353 $1,282,969
22 256 $29,701 $2,299 $27,402 $1,255,567
22 257 $29,701 $2,250 $27,451 $1,228,116
22 258 $29,701 $2,200 $27,500 $1,200,615
22 259 $29,701 $2,151 $27,550 $1,173,066
22 260 $29,701 $2,102 $27,599 $1,145,467
22 261 $29,701 $2,052 $27,648 $1,117,818
22 262 $29,701 $2,003 $27,698 $1,090,120
22 263 $29,701 $1,953 $27,748 $1,062,373
22 264 $29,701 $1,903 $27,797 $1,034,575
23 265 $29,701 $1,854 $27,847 $1,006,728
23 266 $29,701 $1,804 $27,897 $978,831
23 267 $29,701 $1,754 $27,947 $950,884
23 268 $29,701 $1,704 $27,997 $922,887
23 269 $29,701 $1,654 $28,047 $894,840
23 270 $29,701 $1,603 $28,097 $866,743
23 271 $29,701 $1,553 $28,148 $838,595
23 272 $29,701 $1,502 $28,198 $810,397
23 273 $29,701 $1,452 $28,249 $782,148
23 274 $29,701 $1,401 $28,299 $753,849
23 275 $29,701 $1,351 $28,350 $725,499
23 276 $29,701 $1,300 $28,401 $697,098
24 277 $29,701 $1,249 $28,452 $668,646
24 278 $29,701 $1,198 $28,503 $640,143
24 279 $29,701 $1,147 $28,554 $611,589
24 280 $29,701 $1,096 $28,605 $582,985
24 281 $29,701 $1,045 $28,656 $554,328
24 282 $29,701 $993 $28,708 $525,621
24 283 $29,701 $942 $28,759 $496,862
24 284 $29,701 $890 $28,810 $468,051
24 285 $29,701 $839 $28,862 $439,189
24 286 $29,701 $787 $28,914 $410,275
24 287 $29,701 $735 $28,966 $381,310
24 288 $29,701 $683 $29,018 $352,292
25 289 $29,701 $631 $29,070 $323,223
25 290 $29,701 $579 $29,122 $294,101
25 291 $29,701 $527 $29,174 $264,927
25 292 $29,701 $475 $29,226 $235,701
25 293 $29,701 $422 $29,278 $206,423
25 294 $29,701 $370 $29,331 $177,092
25 295 $29,701 $317 $29,383 $147,709
25 296 $29,701 $265 $29,436 $118,273
25 297 $29,701 $212 $29,489 $88,784
25 298 $29,701 $159 $29,542 $59,242
25 299 $29,701 $106 $29,595 $29,648
25 300 $29,701 $53 $29,648 $0