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Mortgage & Stamp Duty Calculator
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$ 13,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 13,530,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$13,200,000
 
Monthly Repayment (HKD)
$85,377
Loan Amount (HKD)
$19,800,000
+
Total Interest (HKD)
$5,812,977
=
Total Repayment (HKD)
$25,612,977
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $85,377 $35,475 $49,902 $19,750,098
1 2 $85,377 $35,386 $49,991 $19,700,107
1 3 $85,377 $35,296 $50,081 $19,650,027
1 4 $85,377 $35,206 $50,170 $19,599,857
1 5 $85,377 $35,116 $50,260 $19,549,596
1 6 $85,377 $35,026 $50,350 $19,499,246
1 7 $85,377 $34,936 $50,440 $19,448,806
1 8 $85,377 $34,846 $50,531 $19,398,275
1 9 $85,377 $34,755 $50,621 $19,347,654
1 10 $85,377 $34,665 $50,712 $19,296,941
1 11 $85,377 $34,574 $50,803 $19,246,139
1 12 $85,377 $34,483 $50,894 $19,195,245
2 13 $85,377 $34,391 $50,985 $19,144,260
2 14 $85,377 $34,300 $51,076 $19,093,183
2 15 $85,377 $34,209 $51,168 $19,042,015
2 16 $85,377 $34,117 $51,260 $18,990,755
2 17 $85,377 $34,025 $51,351 $18,939,404
2 18 $85,377 $33,933 $51,443 $18,887,960
2 19 $85,377 $33,841 $51,536 $18,836,425
2 20 $85,377 $33,749 $51,628 $18,784,797
2 21 $85,377 $33,656 $51,720 $18,733,076
2 22 $85,377 $33,563 $51,813 $18,681,263
2 23 $85,377 $33,471 $51,906 $18,629,357
2 24 $85,377 $33,378 $51,999 $18,577,358
3 25 $85,377 $33,284 $52,092 $18,525,266
3 26 $85,377 $33,191 $52,185 $18,473,081
3 27 $85,377 $33,098 $52,279 $18,420,802
3 28 $85,377 $33,004 $52,373 $18,368,429
3 29 $85,377 $32,910 $52,466 $18,315,962
3 30 $85,377 $32,816 $52,560 $18,263,402
3 31 $85,377 $32,722 $52,655 $18,210,747
3 32 $85,377 $32,628 $52,749 $18,157,998
3 33 $85,377 $32,533 $52,844 $18,105,155
3 34 $85,377 $32,438 $52,938 $18,052,217
3 35 $85,377 $32,344 $53,033 $17,999,184
3 36 $85,377 $32,249 $53,128 $17,946,055
4 37 $85,377 $32,153 $53,223 $17,892,832
4 38 $85,377 $32,058 $53,319 $17,839,514
4 39 $85,377 $31,962 $53,414 $17,786,099
4 40 $85,377 $31,867 $53,510 $17,732,590
4 41 $85,377 $31,771 $53,606 $17,678,984
4 42 $85,377 $31,675 $53,702 $17,625,282
4 43 $85,377 $31,579 $53,798 $17,571,484
4 44 $85,377 $31,482 $53,894 $17,517,590
4 45 $85,377 $31,386 $53,991 $17,463,599
4 46 $85,377 $31,289 $54,088 $17,409,511
4 47 $85,377 $31,192 $54,185 $17,355,327
4 48 $85,377 $31,095 $54,282 $17,301,045
5 49 $85,377 $30,998 $54,379 $17,246,666
5 50 $85,377 $30,900 $54,476 $17,192,190
5 51 $85,377 $30,803 $54,574 $17,137,616
5 52 $85,377 $30,705 $54,672 $17,082,944
5 53 $85,377 $30,607 $54,770 $17,028,175
5 54 $85,377 $30,509 $54,868 $16,973,307
5 55 $85,377 $30,411 $54,966 $16,918,341
5 56 $85,377 $30,312 $55,065 $16,863,276
5 57 $85,377 $30,213 $55,163 $16,808,113
5 58 $85,377 $30,115 $55,262 $16,752,851
5 59 $85,377 $30,016 $55,361 $16,697,490
5 60 $85,377 $29,916 $55,460 $16,642,030
6 61 $85,377 $29,817 $55,560 $16,586,470
6 62 $85,377 $29,717 $55,659 $16,530,811
6 63 $85,377 $29,618 $55,759 $16,475,052
6 64 $85,377 $29,518 $55,859 $16,419,193
6 65 $85,377 $29,418 $55,959 $16,363,234
6 66 $85,377 $29,317 $56,059 $16,307,175
6 67 $85,377 $29,217 $56,160 $16,251,016
6 68 $85,377 $29,116 $56,260 $16,194,755
6 69 $85,377 $29,016 $56,361 $16,138,394
6 70 $85,377 $28,915 $56,462 $16,081,932
6 71 $85,377 $28,813 $56,563 $16,025,369
6 72 $85,377 $28,712 $56,664 $15,968,705
7 73 $85,377 $28,611 $56,766 $15,911,939
7 74 $85,377 $28,509 $56,868 $15,855,071
7 75 $85,377 $28,407 $56,970 $15,798,102
7 76 $85,377 $28,305 $57,072 $15,741,030
7 77 $85,377 $28,203 $57,174 $15,683,856
7 78 $85,377 $28,100 $57,276 $15,626,580
7 79 $85,377 $27,998 $57,379 $15,569,201
7 80 $85,377 $27,895 $57,482 $15,511,719
7 81 $85,377 $27,792 $57,585 $15,454,134
7 82 $85,377 $27,689 $57,688 $15,396,446
7 83 $85,377 $27,585 $57,791 $15,338,655
7 84 $85,377 $27,482 $57,895 $15,280,760
8 85 $85,377 $27,378 $57,999 $15,222,762
8 86 $85,377 $27,274 $58,102 $15,164,659
8 87 $85,377 $27,170 $58,207 $15,106,453
8 88 $85,377 $27,066 $58,311 $15,048,142
8 89 $85,377 $26,961 $58,415 $14,989,726
8 90 $85,377 $26,857 $58,520 $14,931,206
8 91 $85,377 $26,752 $58,625 $14,872,581
8 92 $85,377 $26,647 $58,730 $14,813,852
8 93 $85,377 $26,541 $58,835 $14,755,016
8 94 $85,377 $26,436 $58,941 $14,696,076
8 95 $85,377 $26,330 $59,046 $14,637,030
8 96 $85,377 $26,225 $59,152 $14,577,878
9 97 $85,377 $26,119 $59,258 $14,518,620
9 98 $85,377 $26,013 $59,364 $14,459,256
9 99 $85,377 $25,906 $59,470 $14,399,786
9 100 $85,377 $25,800 $59,577 $14,340,209
9 101 $85,377 $25,693 $59,684 $14,280,525
9 102 $85,377 $25,586 $59,791 $14,220,734
9 103 $85,377 $25,479 $59,898 $14,160,836
9 104 $85,377 $25,371 $60,005 $14,100,831
9 105 $85,377 $25,264 $60,113 $14,040,719
9 106 $85,377 $25,156 $60,220 $13,980,498
9 107 $85,377 $25,048 $60,328 $13,920,170
9 108 $85,377 $24,940 $60,436 $13,859,734
10 109 $85,377 $24,832 $60,545 $13,799,189
10 110 $85,377 $24,724 $60,653 $13,738,536
10 111 $85,377 $24,615 $60,762 $13,677,775
10 112 $85,377 $24,506 $60,871 $13,616,904
10 113 $85,377 $24,397 $60,980 $13,555,924
10 114 $85,377 $24,288 $61,089 $13,494,835
10 115 $85,377 $24,178 $61,198 $13,433,637
10 116 $85,377 $24,069 $61,308 $13,372,329
10 117 $85,377 $23,959 $61,418 $13,310,911
10 118 $85,377 $23,849 $61,528 $13,249,383
10 119 $85,377 $23,738 $61,638 $13,187,745
10 120 $85,377 $23,628 $61,749 $13,125,997
11 121 $85,377 $23,517 $61,859 $13,064,138
11 122 $85,377 $23,407 $61,970 $13,002,168
11 123 $85,377 $23,296 $62,081 $12,940,087
11 124 $85,377 $23,184 $62,192 $12,877,894
11 125 $85,377 $23,073 $62,304 $12,815,591
11 126 $85,377 $22,961 $62,415 $12,753,175
11 127 $85,377 $22,849 $62,527 $12,690,648
11 128 $85,377 $22,737 $62,639 $12,628,009
11 129 $85,377 $22,625 $62,751 $12,565,258
11 130 $85,377 $22,513 $62,864 $12,502,394
11 131 $85,377 $22,400 $62,976 $12,439,417
11 132 $85,377 $22,287 $63,089 $12,376,328
12 133 $85,377 $22,174 $63,202 $12,313,126
12 134 $85,377 $22,061 $63,316 $12,249,810
12 135 $85,377 $21,948 $63,429 $12,186,381
12 136 $85,377 $21,834 $63,543 $12,122,838
12 137 $85,377 $21,720 $63,657 $12,059,182
12 138 $85,377 $21,606 $63,771 $11,995,411
12 139 $85,377 $21,492 $63,885 $11,931,526
12 140 $85,377 $21,377 $63,999 $11,867,527
12 141 $85,377 $21,263 $64,114 $11,803,413
12 142 $85,377 $21,148 $64,229 $11,739,184
12 143 $85,377 $21,033 $64,344 $11,674,841
12 144 $85,377 $20,917 $64,459 $11,610,381
13 145 $85,377 $20,802 $64,575 $11,545,807
13 146 $85,377 $20,686 $64,690 $11,481,116
13 147 $85,377 $20,570 $64,806 $11,416,310
13 148 $85,377 $20,454 $64,922 $11,351,388
13 149 $85,377 $20,338 $65,039 $11,286,349
13 150 $85,377 $20,221 $65,155 $11,221,194
13 151 $85,377 $20,105 $65,272 $11,155,922
13 152 $85,377 $19,988 $65,389 $11,090,533
13 153 $85,377 $19,871 $65,506 $11,025,027
13 154 $85,377 $19,753 $65,623 $10,959,404
13 155 $85,377 $19,636 $65,741 $10,893,663
13 156 $85,377 $19,518 $65,859 $10,827,804
14 157 $85,377 $19,400 $65,977 $10,761,827
14 158 $85,377 $19,282 $66,095 $10,695,732
14 159 $85,377 $19,163 $66,213 $10,629,519
14 160 $85,377 $19,045 $66,332 $10,563,187
14 161 $85,377 $18,926 $66,451 $10,496,736
14 162 $85,377 $18,807 $66,570 $10,430,166
14 163 $85,377 $18,687 $66,689 $10,363,476
14 164 $85,377 $18,568 $66,809 $10,296,668
14 165 $85,377 $18,448 $66,928 $10,229,739
14 166 $85,377 $18,328 $67,048 $10,162,691
14 167 $85,377 $18,208 $67,168 $10,095,523
14 168 $85,377 $18,088 $67,289 $10,028,234
15 169 $85,377 $17,967 $67,409 $9,960,825
15 170 $85,377 $17,846 $67,530 $9,893,294
15 171 $85,377 $17,725 $67,651 $9,825,643
15 172 $85,377 $17,604 $67,772 $9,757,871
15 173 $85,377 $17,483 $67,894 $9,689,977
15 174 $85,377 $17,361 $68,015 $9,621,962
15 175 $85,377 $17,239 $68,137 $9,553,825
15 176 $85,377 $17,117 $68,259 $9,485,565
15 177 $85,377 $16,995 $68,382 $9,417,184
15 178 $85,377 $16,872 $68,504 $9,348,680
15 179 $85,377 $16,750 $68,627 $9,280,053
15 180 $85,377 $16,627 $68,750 $9,211,303
16 181 $85,377 $16,504 $68,873 $9,142,430
16 182 $85,377 $16,380 $68,996 $9,073,433
16 183 $85,377 $16,257 $69,120 $9,004,313
16 184 $85,377 $16,133 $69,244 $8,935,070
16 185 $85,377 $16,009 $69,368 $8,865,702
16 186 $85,377 $15,884 $69,492 $8,796,209
16 187 $85,377 $15,760 $69,617 $8,726,593
16 188 $85,377 $15,635 $69,741 $8,656,851
16 189 $85,377 $15,510 $69,866 $8,586,985
16 190 $85,377 $15,385 $69,992 $8,516,993
16 191 $85,377 $15,260 $70,117 $8,446,876
16 192 $85,377 $15,134 $70,243 $8,376,634
17 193 $85,377 $15,008 $70,368 $8,306,265
17 194 $85,377 $14,882 $70,495 $8,235,771
17 195 $85,377 $14,756 $70,621 $8,165,150
17 196 $85,377 $14,629 $70,747 $8,094,403
17 197 $85,377 $14,502 $70,874 $8,023,528
17 198 $85,377 $14,375 $71,001 $7,952,527
17 199 $85,377 $14,248 $71,128 $7,881,399
17 200 $85,377 $14,121 $71,256 $7,810,143
17 201 $85,377 $13,993 $71,383 $7,738,760
17 202 $85,377 $13,865 $71,511 $7,667,248
17 203 $85,377 $13,737 $71,639 $7,595,609
17 204 $85,377 $13,609 $71,768 $7,523,841
18 205 $85,377 $13,480 $71,896 $7,451,945
18 206 $85,377 $13,351 $72,025 $7,379,920
18 207 $85,377 $13,222 $72,154 $7,307,765
18 208 $85,377 $13,093 $72,284 $7,235,482
18 209 $85,377 $12,964 $72,413 $7,163,069
18 210 $85,377 $12,834 $72,543 $7,090,526
18 211 $85,377 $12,704 $72,673 $7,017,853
18 212 $85,377 $12,574 $72,803 $6,945,051
18 213 $85,377 $12,443 $72,933 $6,872,117
18 214 $85,377 $12,313 $73,064 $6,799,053
18 215 $85,377 $12,182 $73,195 $6,725,858
18 216 $85,377 $12,050 $73,326 $6,652,532
19 217 $85,377 $11,919 $73,457 $6,579,075
19 218 $85,377 $11,788 $73,589 $6,505,485
19 219 $85,377 $11,656 $73,721 $6,431,765
19 220 $85,377 $11,524 $73,853 $6,357,912
19 221 $85,377 $11,391 $73,985 $6,283,926
19 222 $85,377 $11,259 $74,118 $6,209,808
19 223 $85,377 $11,126 $74,251 $6,135,558
19 224 $85,377 $10,993 $74,384 $6,061,174
19 225 $85,377 $10,860 $74,517 $5,986,657
19 226 $85,377 $10,726 $74,650 $5,912,006
19 227 $85,377 $10,592 $74,784 $5,837,222
19 228 $85,377 $10,458 $74,918 $5,762,304
20 229 $85,377 $10,324 $75,052 $5,687,251
20 230 $85,377 $10,190 $75,187 $5,612,065
20 231 $85,377 $10,055 $75,322 $5,536,743
20 232 $85,377 $9,920 $75,457 $5,461,286
20 233 $85,377 $9,785 $75,592 $5,385,695
20 234 $85,377 $9,649 $75,727 $5,309,967
20 235 $85,377 $9,514 $75,863 $5,234,104
20 236 $85,377 $9,378 $75,999 $5,158,106
20 237 $85,377 $9,242 $76,135 $5,081,971
20 238 $85,377 $9,105 $76,271 $5,005,699
20 239 $85,377 $8,969 $76,408 $4,929,291
20 240 $85,377 $8,832 $76,545 $4,852,746
21 241 $85,377 $8,695 $76,682 $4,776,064
21 242 $85,377 $8,557 $76,819 $4,699,245
21 243 $85,377 $8,419 $76,957 $4,622,288
21 244 $85,377 $8,282 $77,095 $4,545,193
21 245 $85,377 $8,143 $77,233 $4,467,959
21 246 $85,377 $8,005 $77,371 $4,390,588
21 247 $85,377 $7,866 $77,510 $4,313,078
21 248 $85,377 $7,728 $77,649 $4,235,429
21 249 $85,377 $7,588 $77,788 $4,157,641
21 250 $85,377 $7,449 $77,927 $4,079,713
21 251 $85,377 $7,309 $78,067 $4,001,646
21 252 $85,377 $7,170 $78,207 $3,923,439
22 253 $85,377 $7,029 $78,347 $3,845,092
22 254 $85,377 $6,889 $78,487 $3,766,605
22 255 $85,377 $6,748 $78,628 $3,687,976
22 256 $85,377 $6,608 $78,769 $3,609,207
22 257 $85,377 $6,466 $78,910 $3,530,297
22 258 $85,377 $6,325 $79,051 $3,451,246
22 259 $85,377 $6,183 $79,193 $3,372,053
22 260 $85,377 $6,042 $79,335 $3,292,718
22 261 $85,377 $5,899 $79,477 $3,213,241
22 262 $85,377 $5,757 $79,620 $3,133,621
22 263 $85,377 $5,614 $79,762 $3,053,859
22 264 $85,377 $5,471 $79,905 $2,973,954
23 265 $85,377 $5,328 $80,048 $2,893,906
23 266 $85,377 $5,185 $80,192 $2,813,714
23 267 $85,377 $5,041 $80,335 $2,733,379
23 268 $85,377 $4,897 $80,479 $2,652,899
23 269 $85,377 $4,753 $80,623 $2,572,276
23 270 $85,377 $4,609 $80,768 $2,491,508
23 271 $85,377 $4,464 $80,913 $2,410,595
23 272 $85,377 $4,319 $81,058 $2,329,538
23 273 $85,377 $4,174 $81,203 $2,248,335
23 274 $85,377 $4,028 $81,348 $2,166,986
23 275 $85,377 $3,883 $81,494 $2,085,492
23 276 $85,377 $3,737 $81,640 $2,003,852
24 277 $85,377 $3,590 $81,786 $1,922,066
24 278 $85,377 $3,444 $81,933 $1,840,133
24 279 $85,377 $3,297 $82,080 $1,758,053
24 280 $85,377 $3,150 $82,227 $1,675,827
24 281 $85,377 $3,003 $82,374 $1,593,453
24 282 $85,377 $2,855 $82,522 $1,510,931
24 283 $85,377 $2,707 $82,670 $1,428,261
24 284 $85,377 $2,559 $82,818 $1,345,444
24 285 $85,377 $2,411 $82,966 $1,262,478
24 286 $85,377 $2,262 $83,115 $1,179,363
24 287 $85,377 $2,113 $83,264 $1,096,100
24 288 $85,377 $1,964 $83,413 $1,012,687
25 289 $85,377 $1,814 $83,562 $929,125
25 290 $85,377 $1,665 $83,712 $845,413
25 291 $85,377 $1,515 $83,862 $761,551
25 292 $85,377 $1,364 $84,012 $677,539
25 293 $85,377 $1,214 $84,163 $593,376
25 294 $85,377 $1,063 $84,313 $509,063
25 295 $85,377 $912 $84,465 $424,598
25 296 $85,377 $761 $84,616 $339,982
25 297 $85,377 $609 $84,767 $255,215
25 298 $85,377 $457 $84,919 $170,295
25 299 $85,377 $305 $85,071 $85,224
25 300 $85,377 $153 $85,224 $0