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Mortgage & Stamp Duty Calculator
MORTGAGE & STAMP DUTY CALCULATOR
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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$ 5,072,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 5,198,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$5,072,000
 
Monthly Repayment (HKD)
$32,805
Loan Amount (HKD)
$7,608,000
+
Total Interest (HKD)
$2,233,593
=
Total Repayment (HKD)
$9,841,593
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $32,805 $13,631 $19,174 $7,588,826
1 2 $32,805 $13,597 $19,209 $7,569,617
1 3 $32,805 $13,562 $19,243 $7,550,374
1 4 $32,805 $13,528 $19,278 $7,531,096
1 5 $32,805 $13,493 $19,312 $7,511,784
1 6 $32,805 $13,459 $19,347 $7,492,438
1 7 $32,805 $13,424 $19,381 $7,473,056
1 8 $32,805 $13,389 $19,416 $7,453,640
1 9 $32,805 $13,354 $19,451 $7,434,189
1 10 $32,805 $13,320 $19,486 $7,414,704
1 11 $32,805 $13,285 $19,521 $7,395,183
1 12 $32,805 $13,250 $19,556 $7,375,627
2 13 $32,805 $13,215 $19,591 $7,356,037
2 14 $32,805 $13,180 $19,626 $7,336,411
2 15 $32,805 $13,144 $19,661 $7,316,750
2 16 $32,805 $13,109 $19,696 $7,297,054
2 17 $32,805 $13,074 $19,731 $7,277,322
2 18 $32,805 $13,039 $19,767 $7,257,556
2 19 $32,805 $13,003 $19,802 $7,237,754
2 20 $32,805 $12,968 $19,838 $7,217,916
2 21 $32,805 $12,932 $19,873 $7,198,043
2 22 $32,805 $12,896 $19,909 $7,178,134
2 23 $32,805 $12,861 $19,944 $7,158,189
2 24 $32,805 $12,825 $19,980 $7,138,209
3 25 $32,805 $12,789 $20,016 $7,118,193
3 26 $32,805 $12,753 $20,052 $7,098,141
3 27 $32,805 $12,718 $20,088 $7,078,053
3 28 $32,805 $12,682 $20,124 $7,057,930
3 29 $32,805 $12,645 $20,160 $7,037,770
3 30 $32,805 $12,609 $20,196 $7,017,574
3 31 $32,805 $12,573 $20,232 $6,997,342
3 32 $32,805 $12,537 $20,268 $6,977,073
3 33 $32,805 $12,501 $20,305 $6,956,769
3 34 $32,805 $12,464 $20,341 $6,936,427
3 35 $32,805 $12,428 $20,378 $6,916,050
3 36 $32,805 $12,391 $20,414 $6,895,636
4 37 $32,805 $12,355 $20,451 $6,875,185
4 38 $32,805 $12,318 $20,487 $6,854,698
4 39 $32,805 $12,281 $20,524 $6,834,174
4 40 $32,805 $12,245 $20,561 $6,813,613
4 41 $32,805 $12,208 $20,598 $6,793,016
4 42 $32,805 $12,171 $20,634 $6,772,381
4 43 $32,805 $12,134 $20,671 $6,751,710
4 44 $32,805 $12,097 $20,708 $6,731,001
4 45 $32,805 $12,060 $20,746 $6,710,256
4 46 $32,805 $12,023 $20,783 $6,689,473
4 47 $32,805 $11,985 $20,820 $6,668,653
4 48 $32,805 $11,948 $20,857 $6,647,796
5 49 $32,805 $11,911 $20,895 $6,626,901
5 50 $32,805 $11,873 $20,932 $6,605,969
5 51 $32,805 $11,836 $20,970 $6,584,999
5 52 $32,805 $11,798 $21,007 $6,563,992
5 53 $32,805 $11,760 $21,045 $6,542,947
5 54 $32,805 $11,723 $21,083 $6,521,865
5 55 $32,805 $11,685 $21,120 $6,500,744
5 56 $32,805 $11,647 $21,158 $6,479,586
5 57 $32,805 $11,609 $21,196 $6,458,390
5 58 $32,805 $11,571 $21,234 $6,437,156
5 59 $32,805 $11,533 $21,272 $6,415,884
5 60 $32,805 $11,495 $21,310 $6,394,574
6 61 $32,805 $11,457 $21,348 $6,373,225
6 62 $32,805 $11,419 $21,387 $6,351,839
6 63 $32,805 $11,380 $21,425 $6,330,414
6 64 $32,805 $11,342 $21,463 $6,308,951
6 65 $32,805 $11,304 $21,502 $6,287,449
6 66 $32,805 $11,265 $21,540 $6,265,909
6 67 $32,805 $11,226 $21,579 $6,244,330
6 68 $32,805 $11,188 $21,618 $6,222,712
6 69 $32,805 $11,149 $21,656 $6,201,056
6 70 $32,805 $11,110 $21,695 $6,179,361
6 71 $32,805 $11,071 $21,734 $6,157,627
6 72 $32,805 $11,032 $21,773 $6,135,854
7 73 $32,805 $10,993 $21,812 $6,114,042
7 74 $32,805 $10,954 $21,851 $6,092,191
7 75 $32,805 $10,915 $21,890 $6,070,301
7 76 $32,805 $10,876 $21,929 $6,048,372
7 77 $32,805 $10,837 $21,969 $6,026,403
7 78 $32,805 $10,797 $22,008 $6,004,395
7 79 $32,805 $10,758 $22,047 $5,982,347
7 80 $32,805 $10,718 $22,087 $5,960,260
7 81 $32,805 $10,679 $22,127 $5,938,134
7 82 $32,805 $10,639 $22,166 $5,915,968
7 83 $32,805 $10,599 $22,206 $5,893,762
7 84 $32,805 $10,560 $22,246 $5,871,516
8 85 $32,805 $10,520 $22,286 $5,849,231
8 86 $32,805 $10,480 $22,325 $5,826,905
8 87 $32,805 $10,440 $22,365 $5,804,540
8 88 $32,805 $10,400 $22,406 $5,782,134
8 89 $32,805 $10,360 $22,446 $5,759,689
8 90 $32,805 $10,319 $22,486 $5,737,203
8 91 $32,805 $10,279 $22,526 $5,714,677
8 92 $32,805 $10,239 $22,567 $5,692,110
8 93 $32,805 $10,198 $22,607 $5,669,503
8 94 $32,805 $10,158 $22,647 $5,646,856
8 95 $32,805 $10,117 $22,688 $5,624,168
8 96 $32,805 $10,077 $22,729 $5,601,439
9 97 $32,805 $10,036 $22,769 $5,578,670
9 98 $32,805 $9,995 $22,810 $5,555,860
9 99 $32,805 $9,954 $22,851 $5,533,008
9 100 $32,805 $9,913 $22,892 $5,510,116
9 101 $32,805 $9,872 $22,933 $5,487,183
9 102 $32,805 $9,831 $22,974 $5,464,209
9 103 $32,805 $9,790 $23,015 $5,441,194
9 104 $32,805 $9,749 $23,057 $5,418,138
9 105 $32,805 $9,707 $23,098 $5,395,040
9 106 $32,805 $9,666 $23,139 $5,371,901
9 107 $32,805 $9,625 $23,181 $5,348,720
9 108 $32,805 $9,583 $23,222 $5,325,498
10 109 $32,805 $9,542 $23,264 $5,302,234
10 110 $32,805 $9,500 $23,305 $5,278,928
10 111 $32,805 $9,458 $23,347 $5,255,581
10 112 $32,805 $9,416 $23,389 $5,232,192
10 113 $32,805 $9,374 $23,431 $5,208,761
10 114 $32,805 $9,332 $23,473 $5,185,288
10 115 $32,805 $9,290 $23,515 $5,161,773
10 116 $32,805 $9,248 $23,557 $5,138,216
10 117 $32,805 $9,206 $23,599 $5,114,617
10 118 $32,805 $9,164 $23,642 $5,090,975
10 119 $32,805 $9,121 $23,684 $5,067,291
10 120 $32,805 $9,079 $23,726 $5,043,565
11 121 $32,805 $9,036 $23,769 $5,019,796
11 122 $32,805 $8,994 $23,812 $4,995,984
11 123 $32,805 $8,951 $23,854 $4,972,130
11 124 $32,805 $8,908 $23,897 $4,948,233
11 125 $32,805 $8,866 $23,940 $4,924,294
11 126 $32,805 $8,823 $23,983 $4,900,311
11 127 $32,805 $8,780 $24,026 $4,876,285
11 128 $32,805 $8,737 $24,069 $4,852,217
11 129 $32,805 $8,694 $24,112 $4,828,105
11 130 $32,805 $8,650 $24,155 $4,803,950
11 131 $32,805 $8,607 $24,198 $4,779,752
11 132 $32,805 $8,564 $24,242 $4,755,510
12 133 $32,805 $8,520 $24,285 $4,731,225
12 134 $32,805 $8,477 $24,329 $4,706,897
12 135 $32,805 $8,433 $24,372 $4,682,525
12 136 $32,805 $8,390 $24,416 $4,658,109
12 137 $32,805 $8,346 $24,460 $4,633,649
12 138 $32,805 $8,302 $24,503 $4,609,146
12 139 $32,805 $8,258 $24,547 $4,584,599
12 140 $32,805 $8,214 $24,591 $4,560,007
12 141 $32,805 $8,170 $24,635 $4,535,372
12 142 $32,805 $8,126 $24,679 $4,510,693
12 143 $32,805 $8,082 $24,724 $4,485,969
12 144 $32,805 $8,037 $24,768 $4,461,201
13 145 $32,805 $7,993 $24,812 $4,436,389
13 146 $32,805 $7,949 $24,857 $4,411,532
13 147 $32,805 $7,904 $24,901 $4,386,631
13 148 $32,805 $7,859 $24,946 $4,361,685
13 149 $32,805 $7,815 $24,991 $4,336,694
13 150 $32,805 $7,770 $25,035 $4,311,659
13 151 $32,805 $7,725 $25,080 $4,286,578
13 152 $32,805 $7,680 $25,125 $4,261,453
13 153 $32,805 $7,635 $25,170 $4,236,283
13 154 $32,805 $7,590 $25,215 $4,211,068
13 155 $32,805 $7,545 $25,260 $4,185,807
13 156 $32,805 $7,500 $25,306 $4,160,502
14 157 $32,805 $7,454 $25,351 $4,135,150
14 158 $32,805 $7,409 $25,396 $4,109,754
14 159 $32,805 $7,363 $25,442 $4,084,312
14 160 $32,805 $7,318 $25,488 $4,058,824
14 161 $32,805 $7,272 $25,533 $4,033,291
14 162 $32,805 $7,226 $25,579 $4,007,712
14 163 $32,805 $7,180 $25,625 $3,982,087
14 164 $32,805 $7,135 $25,671 $3,956,417
14 165 $32,805 $7,089 $25,717 $3,930,700
14 166 $32,805 $7,043 $25,763 $3,904,937
14 167 $32,805 $6,996 $25,809 $3,879,128
14 168 $32,805 $6,950 $25,855 $3,853,273
15 169 $32,805 $6,904 $25,902 $3,827,371
15 170 $32,805 $6,857 $25,948 $3,801,423
15 171 $32,805 $6,811 $25,994 $3,775,429
15 172 $32,805 $6,764 $26,041 $3,749,388
15 173 $32,805 $6,718 $26,088 $3,723,300
15 174 $32,805 $6,671 $26,134 $3,697,166
15 175 $32,805 $6,624 $26,181 $3,670,985
15 176 $32,805 $6,577 $26,228 $3,644,757
15 177 $32,805 $6,530 $26,275 $3,618,481
15 178 $32,805 $6,483 $26,322 $3,592,159
15 179 $32,805 $6,436 $26,369 $3,565,790
15 180 $32,805 $6,389 $26,417 $3,539,373
16 181 $32,805 $6,341 $26,464 $3,512,909
16 182 $32,805 $6,294 $26,511 $3,486,398
16 183 $32,805 $6,246 $26,559 $3,459,839
16 184 $32,805 $6,199 $26,606 $3,433,233
16 185 $32,805 $6,151 $26,654 $3,406,579
16 186 $32,805 $6,103 $26,702 $3,379,877
16 187 $32,805 $6,056 $26,750 $3,353,127
16 188 $32,805 $6,008 $26,798 $3,326,330
16 189 $32,805 $5,960 $26,846 $3,299,484
16 190 $32,805 $5,912 $26,894 $3,272,590
16 191 $32,805 $5,863 $26,942 $3,245,648
16 192 $32,805 $5,815 $26,990 $3,218,658
17 193 $32,805 $5,767 $27,039 $3,191,619
17 194 $32,805 $5,718 $27,087 $3,164,533
17 195 $32,805 $5,670 $27,136 $3,137,397
17 196 $32,805 $5,621 $27,184 $3,110,213
17 197 $32,805 $5,572 $27,233 $3,082,980
17 198 $32,805 $5,524 $27,282 $3,055,698
17 199 $32,805 $5,475 $27,331 $3,028,368
17 200 $32,805 $5,426 $27,379 $3,000,988
17 201 $32,805 $5,377 $27,429 $2,973,560
17 202 $32,805 $5,328 $27,478 $2,946,082
17 203 $32,805 $5,278 $27,527 $2,918,555
17 204 $32,805 $5,229 $27,576 $2,890,979
18 205 $32,805 $5,180 $27,626 $2,863,353
18 206 $32,805 $5,130 $27,675 $2,835,678
18 207 $32,805 $5,081 $27,725 $2,807,954
18 208 $32,805 $5,031 $27,774 $2,780,179
18 209 $32,805 $4,981 $27,824 $2,752,355
18 210 $32,805 $4,931 $27,874 $2,724,481
18 211 $32,805 $4,881 $27,924 $2,696,557
18 212 $32,805 $4,831 $27,974 $2,668,583
18 213 $32,805 $4,781 $28,024 $2,640,559
18 214 $32,805 $4,731 $28,074 $2,612,485
18 215 $32,805 $4,681 $28,125 $2,584,360
18 216 $32,805 $4,630 $28,175 $2,556,185
19 217 $32,805 $4,580 $28,225 $2,527,960
19 218 $32,805 $4,529 $28,276 $2,499,684
19 219 $32,805 $4,479 $28,327 $2,471,357
19 220 $32,805 $4,428 $28,377 $2,442,979
19 221 $32,805 $4,377 $28,428 $2,414,551
19 222 $32,805 $4,326 $28,479 $2,386,072
19 223 $32,805 $4,275 $28,530 $2,357,542
19 224 $32,805 $4,224 $28,581 $2,328,960
19 225 $32,805 $4,173 $28,633 $2,300,328
19 226 $32,805 $4,121 $28,684 $2,271,644
19 227 $32,805 $4,070 $28,735 $2,242,908
19 228 $32,805 $4,019 $28,787 $2,214,122
20 229 $32,805 $3,967 $28,838 $2,185,283
20 230 $32,805 $3,915 $28,890 $2,156,393
20 231 $32,805 $3,864 $28,942 $2,127,452
20 232 $32,805 $3,812 $28,994 $2,098,458
20 233 $32,805 $3,760 $29,046 $2,069,412
20 234 $32,805 $3,708 $29,098 $2,040,315
20 235 $32,805 $3,656 $29,150 $2,011,165
20 236 $32,805 $3,603 $29,202 $1,981,963
20 237 $32,805 $3,551 $29,254 $1,952,709
20 238 $32,805 $3,499 $29,307 $1,923,402
20 239 $32,805 $3,446 $29,359 $1,894,043
20 240 $32,805 $3,393 $29,412 $1,864,631
21 241 $32,805 $3,341 $29,465 $1,835,166
21 242 $32,805 $3,288 $29,517 $1,805,649
21 243 $32,805 $3,235 $29,570 $1,776,079
21 244 $32,805 $3,182 $29,623 $1,746,456
21 245 $32,805 $3,129 $29,676 $1,716,780
21 246 $32,805 $3,076 $29,729 $1,687,050
21 247 $32,805 $3,023 $29,783 $1,657,267
21 248 $32,805 $2,969 $29,836 $1,627,431
21 249 $32,805 $2,916 $29,889 $1,597,542
21 250 $32,805 $2,862 $29,943 $1,567,599
21 251 $32,805 $2,809 $29,997 $1,537,602
21 252 $32,805 $2,755 $30,050 $1,507,552
22 253 $32,805 $2,701 $30,104 $1,477,447
22 254 $32,805 $2,647 $30,158 $1,447,289
22 255 $32,805 $2,593 $30,212 $1,417,077
22 256 $32,805 $2,539 $30,266 $1,386,811
22 257 $32,805 $2,485 $30,321 $1,356,490
22 258 $32,805 $2,430 $30,375 $1,326,115
22 259 $32,805 $2,376 $30,429 $1,295,686
22 260 $32,805 $2,321 $30,484 $1,265,202
22 261 $32,805 $2,267 $30,538 $1,234,663
22 262 $32,805 $2,212 $30,593 $1,204,070
22 263 $32,805 $2,157 $30,648 $1,173,422
22 264 $32,805 $2,102 $30,703 $1,142,719
23 265 $32,805 $2,047 $30,758 $1,111,961
23 266 $32,805 $1,992 $30,813 $1,081,148
23 267 $32,805 $1,937 $30,868 $1,050,280
23 268 $32,805 $1,882 $30,924 $1,019,356
23 269 $32,805 $1,826 $30,979 $988,377
23 270 $32,805 $1,771 $31,034 $957,343
23 271 $32,805 $1,715 $31,090 $926,253
23 272 $32,805 $1,660 $31,146 $895,107
23 273 $32,805 $1,604 $31,202 $863,906
23 274 $32,805 $1,548 $31,257 $832,648
23 275 $32,805 $1,492 $31,313 $801,335
23 276 $32,805 $1,436 $31,370 $769,965
24 277 $32,805 $1,380 $31,426 $738,539
24 278 $32,805 $1,323 $31,482 $707,057
24 279 $32,805 $1,267 $31,538 $675,519
24 280 $32,805 $1,210 $31,595 $643,924
24 281 $32,805 $1,154 $31,652 $612,272
24 282 $32,805 $1,097 $31,708 $580,564
24 283 $32,805 $1,040 $31,765 $548,799
24 284 $32,805 $983 $31,822 $516,977
24 285 $32,805 $926 $31,879 $485,098
24 286 $32,805 $869 $31,936 $453,161
24 287 $32,805 $812 $31,993 $421,168
24 288 $32,805 $755 $32,051 $389,117
25 289 $32,805 $697 $32,108 $357,009
25 290 $32,805 $640 $32,166 $324,843
25 291 $32,805 $582 $32,223 $292,620
25 292 $32,805 $524 $32,281 $260,339
25 293 $32,805 $466 $32,339 $228,000
25 294 $32,805 $409 $32,397 $195,603
25 295 $32,805 $350 $32,455 $163,149
25 296 $32,805 $292 $32,513 $130,636
25 297 $32,805 $234 $32,571 $98,064
25 298 $32,805 $176 $32,630 $65,435
25 299 $32,805 $117 $32,688 $32,747
25 300 $32,805 $59 $32,747 $0