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$ 3,840,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,936,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,840,000
 
Monthly Repayment (HKD)
$24,837
Loan Amount (HKD)
$5,760,000
+
Total Interest (HKD)
$1,691,048
=
Total Repayment (HKD)
$7,451,048
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $24,837 $10,320 $14,517 $5,745,483
1 2 $24,837 $10,294 $14,543 $5,730,940
1 3 $24,837 $10,268 $14,569 $5,716,371
1 4 $24,837 $10,242 $14,595 $5,701,776
1 5 $24,837 $10,216 $14,621 $5,687,155
1 6 $24,837 $10,189 $14,647 $5,672,508
1 7 $24,837 $10,163 $14,674 $5,657,834
1 8 $24,837 $10,137 $14,700 $5,643,135
1 9 $24,837 $10,111 $14,726 $5,628,408
1 10 $24,837 $10,084 $14,753 $5,613,656
1 11 $24,837 $10,058 $14,779 $5,598,877
1 12 $24,837 $10,031 $14,806 $5,584,071
2 13 $24,837 $10,005 $14,832 $5,569,239
2 14 $24,837 $9,978 $14,859 $5,554,381
2 15 $24,837 $9,952 $14,885 $5,539,495
2 16 $24,837 $9,925 $14,912 $5,524,583
2 17 $24,837 $9,898 $14,939 $5,509,645
2 18 $24,837 $9,871 $14,965 $5,494,679
2 19 $24,837 $9,845 $14,992 $5,479,687
2 20 $24,837 $9,818 $15,019 $5,464,668
2 21 $24,837 $9,791 $15,046 $5,449,622
2 22 $24,837 $9,764 $15,073 $5,434,549
2 23 $24,837 $9,737 $15,100 $5,419,449
2 24 $24,837 $9,710 $15,127 $5,404,322
3 25 $24,837 $9,683 $15,154 $5,389,168
3 26 $24,837 $9,656 $15,181 $5,373,987
3 27 $24,837 $9,628 $15,208 $5,358,779
3 28 $24,837 $9,601 $15,236 $5,343,543
3 29 $24,837 $9,574 $15,263 $5,328,280
3 30 $24,837 $9,547 $15,290 $5,312,990
3 31 $24,837 $9,519 $15,318 $5,297,672
3 32 $24,837 $9,492 $15,345 $5,282,327
3 33 $24,837 $9,464 $15,373 $5,266,954
3 34 $24,837 $9,437 $15,400 $5,251,554
3 35 $24,837 $9,409 $15,428 $5,236,126
3 36 $24,837 $9,381 $15,455 $5,220,671
4 37 $24,837 $9,354 $15,483 $5,205,188
4 38 $24,837 $9,326 $15,511 $5,189,677
4 39 $24,837 $9,298 $15,539 $5,174,138
4 40 $24,837 $9,270 $15,566 $5,158,572
4 41 $24,837 $9,242 $15,594 $5,142,977
4 42 $24,837 $9,215 $15,622 $5,127,355
4 43 $24,837 $9,187 $15,650 $5,111,705
4 44 $24,837 $9,158 $15,678 $5,096,026
4 45 $24,837 $9,130 $15,706 $5,080,320
4 46 $24,837 $9,102 $15,735 $5,064,585
4 47 $24,837 $9,074 $15,763 $5,048,822
4 48 $24,837 $9,046 $15,791 $5,033,031
5 49 $24,837 $9,018 $15,819 $5,017,212
5 50 $24,837 $8,989 $15,848 $5,001,364
5 51 $24,837 $8,961 $15,876 $4,985,488
5 52 $24,837 $8,932 $15,904 $4,969,584
5 53 $24,837 $8,904 $15,933 $4,953,651
5 54 $24,837 $8,875 $15,962 $4,937,689
5 55 $24,837 $8,847 $15,990 $4,921,699
5 56 $24,837 $8,818 $16,019 $4,905,680
5 57 $24,837 $8,789 $16,047 $4,889,633
5 58 $24,837 $8,761 $16,076 $4,873,557
5 59 $24,837 $8,732 $16,105 $4,857,452
5 60 $24,837 $8,703 $16,134 $4,841,318
6 61 $24,837 $8,674 $16,163 $4,825,155
6 62 $24,837 $8,645 $16,192 $4,808,963
6 63 $24,837 $8,616 $16,221 $4,792,742
6 64 $24,837 $8,587 $16,250 $4,776,493
6 65 $24,837 $8,558 $16,279 $4,760,214
6 66 $24,837 $8,529 $16,308 $4,743,906
6 67 $24,837 $8,499 $16,337 $4,727,568
6 68 $24,837 $8,470 $16,367 $4,711,202
6 69 $24,837 $8,441 $16,396 $4,694,806
6 70 $24,837 $8,412 $16,425 $4,678,380
6 71 $24,837 $8,382 $16,455 $4,661,926
6 72 $24,837 $8,353 $16,484 $4,645,441
7 73 $24,837 $8,323 $16,514 $4,628,928
7 74 $24,837 $8,293 $16,543 $4,612,384
7 75 $24,837 $8,264 $16,573 $4,595,811
7 76 $24,837 $8,234 $16,603 $4,579,209
7 77 $24,837 $8,204 $16,632 $4,562,576
7 78 $24,837 $8,175 $16,662 $4,545,914
7 79 $24,837 $8,145 $16,692 $4,529,222
7 80 $24,837 $8,115 $16,722 $4,512,500
7 81 $24,837 $8,085 $16,752 $4,495,748
7 82 $24,837 $8,055 $16,782 $4,478,966
7 83 $24,837 $8,025 $16,812 $4,462,154
7 84 $24,837 $7,995 $16,842 $4,445,312
8 85 $24,837 $7,965 $16,872 $4,428,440
8 86 $24,837 $7,934 $16,903 $4,411,537
8 87 $24,837 $7,904 $16,933 $4,394,604
8 88 $24,837 $7,874 $16,963 $4,377,641
8 89 $24,837 $7,843 $16,994 $4,360,648
8 90 $24,837 $7,813 $17,024 $4,343,624
8 91 $24,837 $7,782 $17,055 $4,326,569
8 92 $24,837 $7,752 $17,085 $4,309,484
8 93 $24,837 $7,721 $17,116 $4,292,368
8 94 $24,837 $7,690 $17,146 $4,275,222
8 95 $24,837 $7,660 $17,177 $4,258,045
8 96 $24,837 $7,629 $17,208 $4,240,837
9 97 $24,837 $7,598 $17,239 $4,223,599
9 98 $24,837 $7,567 $17,270 $4,206,329
9 99 $24,837 $7,536 $17,300 $4,189,029
9 100 $24,837 $7,505 $17,331 $4,171,697
9 101 $24,837 $7,474 $17,363 $4,154,334
9 102 $24,837 $7,443 $17,394 $4,136,941
9 103 $24,837 $7,412 $17,425 $4,119,516
9 104 $24,837 $7,381 $17,456 $4,102,060
9 105 $24,837 $7,350 $17,487 $4,084,573
9 106 $24,837 $7,318 $17,519 $4,067,054
9 107 $24,837 $7,287 $17,550 $4,049,504
9 108 $24,837 $7,255 $17,581 $4,031,923
10 109 $24,837 $7,224 $17,613 $4,014,310
10 110 $24,837 $7,192 $17,645 $3,996,665
10 111 $24,837 $7,161 $17,676 $3,978,989
10 112 $24,837 $7,129 $17,708 $3,961,281
10 113 $24,837 $7,097 $17,740 $3,943,542
10 114 $24,837 $7,066 $17,771 $3,925,770
10 115 $24,837 $7,034 $17,803 $3,907,967
10 116 $24,837 $7,002 $17,835 $3,890,132
10 117 $24,837 $6,970 $17,867 $3,872,265
10 118 $24,837 $6,938 $17,899 $3,854,366
10 119 $24,837 $6,906 $17,931 $3,836,435
10 120 $24,837 $6,874 $17,963 $3,818,472
11 121 $24,837 $6,841 $17,995 $3,800,476
11 122 $24,837 $6,809 $18,028 $3,782,449
11 123 $24,837 $6,777 $18,060 $3,764,389
11 124 $24,837 $6,745 $18,092 $3,746,297
11 125 $24,837 $6,712 $18,125 $3,728,172
11 126 $24,837 $6,680 $18,157 $3,710,015
11 127 $24,837 $6,647 $18,190 $3,691,825
11 128 $24,837 $6,615 $18,222 $3,673,603
11 129 $24,837 $6,582 $18,255 $3,655,348
11 130 $24,837 $6,549 $18,288 $3,637,060
11 131 $24,837 $6,516 $18,320 $3,618,740
11 132 $24,837 $6,484 $18,353 $3,600,386
12 133 $24,837 $6,451 $18,386 $3,582,000
12 134 $24,837 $6,418 $18,419 $3,563,581
12 135 $24,837 $6,385 $18,452 $3,545,129
12 136 $24,837 $6,352 $18,485 $3,526,644
12 137 $24,837 $6,319 $18,518 $3,508,126
12 138 $24,837 $6,285 $18,551 $3,489,574
12 139 $24,837 $6,252 $18,585 $3,470,990
12 140 $24,837 $6,219 $18,618 $3,452,372
12 141 $24,837 $6,185 $18,651 $3,433,720
12 142 $24,837 $6,152 $18,685 $3,415,035
12 143 $24,837 $6,119 $18,718 $3,396,317
12 144 $24,837 $6,085 $18,752 $3,377,565
13 145 $24,837 $6,051 $18,785 $3,358,780
13 146 $24,837 $6,018 $18,819 $3,339,961
13 147 $24,837 $5,984 $18,853 $3,321,108
13 148 $24,837 $5,950 $18,887 $3,302,222
13 149 $24,837 $5,916 $18,920 $3,283,302
13 150 $24,837 $5,883 $18,954 $3,264,347
13 151 $24,837 $5,849 $18,988 $3,245,359
13 152 $24,837 $5,815 $19,022 $3,226,337
13 153 $24,837 $5,781 $19,056 $3,207,281
13 154 $24,837 $5,746 $19,090 $3,188,190
13 155 $24,837 $5,712 $19,125 $3,169,065
13 156 $24,837 $5,678 $19,159 $3,149,907
14 157 $24,837 $5,644 $19,193 $3,130,713
14 158 $24,837 $5,609 $19,228 $3,111,486
14 159 $24,837 $5,575 $19,262 $3,092,224
14 160 $24,837 $5,540 $19,297 $3,072,927
14 161 $24,837 $5,506 $19,331 $3,053,596
14 162 $24,837 $5,471 $19,366 $3,034,230
14 163 $24,837 $5,436 $19,400 $3,014,830
14 164 $24,837 $5,402 $19,435 $2,995,394
14 165 $24,837 $5,367 $19,470 $2,975,924
14 166 $24,837 $5,332 $19,505 $2,956,419
14 167 $24,837 $5,297 $19,540 $2,936,879
14 168 $24,837 $5,262 $19,575 $2,917,304
15 169 $24,837 $5,227 $19,610 $2,897,694
15 170 $24,837 $5,192 $19,645 $2,878,049
15 171 $24,837 $5,157 $19,680 $2,858,369
15 172 $24,837 $5,121 $19,716 $2,838,653
15 173 $24,837 $5,086 $19,751 $2,818,902
15 174 $24,837 $5,051 $19,786 $2,799,116
15 175 $24,837 $5,015 $19,822 $2,779,294
15 176 $24,837 $4,980 $19,857 $2,759,437
15 177 $24,837 $4,944 $19,893 $2,739,544
15 178 $24,837 $4,908 $19,928 $2,719,616
15 179 $24,837 $4,873 $19,964 $2,699,652
15 180 $24,837 $4,837 $20,000 $2,679,652
16 181 $24,837 $4,801 $20,036 $2,659,616
16 182 $24,837 $4,765 $20,072 $2,639,544
16 183 $24,837 $4,729 $20,108 $2,619,437
16 184 $24,837 $4,693 $20,144 $2,599,293
16 185 $24,837 $4,657 $20,180 $2,579,113
16 186 $24,837 $4,621 $20,216 $2,558,897
16 187 $24,837 $4,585 $20,252 $2,538,645
16 188 $24,837 $4,548 $20,288 $2,518,357
16 189 $24,837 $4,512 $20,325 $2,498,032
16 190 $24,837 $4,476 $20,361 $2,477,671
16 191 $24,837 $4,439 $20,398 $2,457,273
16 192 $24,837 $4,403 $20,434 $2,436,839
17 193 $24,837 $4,366 $20,471 $2,416,368
17 194 $24,837 $4,329 $20,508 $2,395,861
17 195 $24,837 $4,293 $20,544 $2,375,316
17 196 $24,837 $4,256 $20,581 $2,354,735
17 197 $24,837 $4,219 $20,618 $2,334,117
17 198 $24,837 $4,182 $20,655 $2,313,462
17 199 $24,837 $4,145 $20,692 $2,292,771
17 200 $24,837 $4,108 $20,729 $2,272,042
17 201 $24,837 $4,071 $20,766 $2,251,276
17 202 $24,837 $4,034 $20,803 $2,230,472
17 203 $24,837 $3,996 $20,841 $2,209,632
17 204 $24,837 $3,959 $20,878 $2,188,754
18 205 $24,837 $3,922 $20,915 $2,167,839
18 206 $24,837 $3,884 $20,953 $2,146,886
18 207 $24,837 $3,847 $20,990 $2,125,895
18 208 $24,837 $3,809 $21,028 $2,104,867
18 209 $24,837 $3,771 $21,066 $2,083,802
18 210 $24,837 $3,733 $21,103 $2,062,699
18 211 $24,837 $3,696 $21,141 $2,041,557
18 212 $24,837 $3,658 $21,179 $2,020,378
18 213 $24,837 $3,620 $21,217 $1,999,161
18 214 $24,837 $3,582 $21,255 $1,977,906
18 215 $24,837 $3,544 $21,293 $1,956,613
18 216 $24,837 $3,506 $21,331 $1,935,282
19 217 $24,837 $3,467 $21,369 $1,913,913
19 218 $24,837 $3,429 $21,408 $1,892,505
19 219 $24,837 $3,391 $21,446 $1,871,059
19 220 $24,837 $3,352 $21,485 $1,849,574
19 221 $24,837 $3,314 $21,523 $1,828,051
19 222 $24,837 $3,275 $21,562 $1,806,490
19 223 $24,837 $3,237 $21,600 $1,784,889
19 224 $24,837 $3,198 $21,639 $1,763,251
19 225 $24,837 $3,159 $21,678 $1,741,573
19 226 $24,837 $3,120 $21,717 $1,719,856
19 227 $24,837 $3,081 $21,755 $1,698,101
19 228 $24,837 $3,042 $21,794 $1,676,307
20 229 $24,837 $3,003 $21,833 $1,654,473
20 230 $24,837 $2,964 $21,873 $1,632,601
20 231 $24,837 $2,925 $21,912 $1,610,689
20 232 $24,837 $2,886 $21,951 $1,588,738
20 233 $24,837 $2,846 $21,990 $1,566,747
20 234 $24,837 $2,807 $22,030 $1,544,718
20 235 $24,837 $2,768 $22,069 $1,522,649
20 236 $24,837 $2,728 $22,109 $1,500,540
20 237 $24,837 $2,688 $22,148 $1,478,391
20 238 $24,837 $2,649 $22,188 $1,456,203
20 239 $24,837 $2,609 $22,228 $1,433,976
20 240 $24,837 $2,569 $22,268 $1,411,708
21 241 $24,837 $2,529 $22,308 $1,389,400
21 242 $24,837 $2,489 $22,347 $1,367,053
21 243 $24,837 $2,449 $22,388 $1,344,665
21 244 $24,837 $2,409 $22,428 $1,322,238
21 245 $24,837 $2,369 $22,468 $1,299,770
21 246 $24,837 $2,329 $22,508 $1,277,262
21 247 $24,837 $2,288 $22,548 $1,254,714
21 248 $24,837 $2,248 $22,589 $1,232,125
21 249 $24,837 $2,208 $22,629 $1,209,495
21 250 $24,837 $2,167 $22,670 $1,186,826
21 251 $24,837 $2,126 $22,710 $1,164,115
21 252 $24,837 $2,086 $22,751 $1,141,364
22 253 $24,837 $2,045 $22,792 $1,118,572
22 254 $24,837 $2,004 $22,833 $1,095,740
22 255 $24,837 $1,963 $22,874 $1,072,866
22 256 $24,837 $1,922 $22,915 $1,049,951
22 257 $24,837 $1,881 $22,956 $1,026,996
22 258 $24,837 $1,840 $22,997 $1,003,999
22 259 $24,837 $1,799 $23,038 $980,961
22 260 $24,837 $1,758 $23,079 $957,882
22 261 $24,837 $1,716 $23,121 $934,761
22 262 $24,837 $1,675 $23,162 $911,599
22 263 $24,837 $1,633 $23,204 $888,395
22 264 $24,837 $1,592 $23,245 $865,150
23 265 $24,837 $1,550 $23,287 $841,863
23 266 $24,837 $1,508 $23,328 $818,535
23 267 $24,837 $1,467 $23,370 $795,165
23 268 $24,837 $1,425 $23,412 $771,753
23 269 $24,837 $1,383 $23,454 $748,298
23 270 $24,837 $1,341 $23,496 $724,802
23 271 $24,837 $1,299 $23,538 $701,264
23 272 $24,837 $1,256 $23,580 $677,684
23 273 $24,837 $1,214 $23,623 $654,061
23 274 $24,837 $1,172 $23,665 $630,396
23 275 $24,837 $1,129 $23,707 $606,689
23 276 $24,837 $1,087 $23,750 $582,939
24 277 $24,837 $1,044 $23,792 $559,146
24 278 $24,837 $1,002 $23,835 $535,311
24 279 $24,837 $959 $23,878 $511,434
24 280 $24,837 $916 $23,921 $487,513
24 281 $24,837 $873 $23,963 $463,550
24 282 $24,837 $831 $24,006 $439,544
24 283 $24,837 $788 $24,049 $415,494
24 284 $24,837 $744 $24,092 $391,402
24 285 $24,837 $701 $24,136 $367,266
24 286 $24,837 $658 $24,179 $343,087
24 287 $24,837 $615 $24,222 $318,865
24 288 $24,837 $571 $24,266 $294,600
25 289 $24,837 $528 $24,309 $270,291
25 290 $24,837 $484 $24,353 $245,938
25 291 $24,837 $441 $24,396 $221,542
25 292 $24,837 $397 $24,440 $197,102
25 293 $24,837 $353 $24,484 $172,618
25 294 $24,837 $309 $24,528 $148,091
25 295 $24,837 $265 $24,571 $123,519
25 296 $24,837 $221 $24,616 $98,904
25 297 $24,837 $177 $24,660 $74,244
25 298 $24,837 $133 $24,704 $49,540
25 299 $24,837 $89 $24,748 $24,792
25 300 $24,837 $44 $24,792 $0