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$ 3,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,895,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,800,000
 
Monthly Repayment (HKD)
$24,578
Loan Amount (HKD)
$5,700,000
+
Total Interest (HKD)
$1,673,433
=
Total Repayment (HKD)
$7,373,433
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $24,578 $10,213 $14,366 $5,685,634
1 2 $24,578 $10,187 $14,391 $5,671,243
1 3 $24,578 $10,161 $14,417 $5,656,826
1 4 $24,578 $10,135 $14,443 $5,642,383
1 5 $24,578 $10,109 $14,469 $5,627,914
1 6 $24,578 $10,083 $14,495 $5,613,419
1 7 $24,578 $10,057 $14,521 $5,598,899
1 8 $24,578 $10,031 $14,547 $5,584,352
1 9 $24,578 $10,005 $14,573 $5,569,779
1 10 $24,578 $9,979 $14,599 $5,555,180
1 11 $24,578 $9,953 $14,625 $5,540,555
1 12 $24,578 $9,927 $14,651 $5,525,904
2 13 $24,578 $9,901 $14,678 $5,511,226
2 14 $24,578 $9,874 $14,704 $5,496,522
2 15 $24,578 $9,848 $14,730 $5,481,792
2 16 $24,578 $9,822 $14,757 $5,467,036
2 17 $24,578 $9,795 $14,783 $5,452,253
2 18 $24,578 $9,769 $14,809 $5,437,443
2 19 $24,578 $9,742 $14,836 $5,422,607
2 20 $24,578 $9,716 $14,863 $5,407,745
2 21 $24,578 $9,689 $14,889 $5,392,855
2 22 $24,578 $9,662 $14,916 $5,377,939
2 23 $24,578 $9,635 $14,943 $5,362,997
2 24 $24,578 $9,609 $14,969 $5,348,027
3 25 $24,578 $9,582 $14,996 $5,333,031
3 26 $24,578 $9,555 $15,023 $5,318,008
3 27 $24,578 $9,528 $15,050 $5,302,958
3 28 $24,578 $9,501 $15,077 $5,287,881
3 29 $24,578 $9,474 $15,104 $5,272,777
3 30 $24,578 $9,447 $15,131 $5,257,646
3 31 $24,578 $9,420 $15,158 $5,242,488
3 32 $24,578 $9,393 $15,185 $5,227,303
3 33 $24,578 $9,366 $15,213 $5,212,090
3 34 $24,578 $9,338 $15,240 $5,196,850
3 35 $24,578 $9,311 $15,267 $5,181,583
3 36 $24,578 $9,284 $15,294 $5,166,289
4 37 $24,578 $9,256 $15,322 $5,150,967
4 38 $24,578 $9,229 $15,349 $5,135,618
4 39 $24,578 $9,201 $15,377 $5,120,241
4 40 $24,578 $9,174 $15,404 $5,104,836
4 41 $24,578 $9,146 $15,432 $5,089,404
4 42 $24,578 $9,119 $15,460 $5,073,945
4 43 $24,578 $9,091 $15,487 $5,058,458
4 44 $24,578 $9,063 $15,515 $5,042,943
4 45 $24,578 $9,035 $15,543 $5,027,400
4 46 $24,578 $9,007 $15,571 $5,011,829
4 47 $24,578 $8,980 $15,599 $4,996,230
4 48 $24,578 $8,952 $15,627 $4,980,604
5 49 $24,578 $8,924 $15,655 $4,964,949
5 50 $24,578 $8,896 $15,683 $4,949,267
5 51 $24,578 $8,867 $15,711 $4,933,556
5 52 $24,578 $8,839 $15,739 $4,917,817
5 53 $24,578 $8,811 $15,767 $4,902,050
5 54 $24,578 $8,783 $15,795 $4,886,255
5 55 $24,578 $8,755 $15,824 $4,870,431
5 56 $24,578 $8,726 $15,852 $4,854,580
5 57 $24,578 $8,698 $15,880 $4,838,699
5 58 $24,578 $8,669 $15,909 $4,822,790
5 59 $24,578 $8,641 $15,937 $4,806,853
5 60 $24,578 $8,612 $15,966 $4,790,887
6 61 $24,578 $8,584 $15,994 $4,774,893
6 62 $24,578 $8,555 $16,023 $4,758,870
6 63 $24,578 $8,526 $16,052 $4,742,818
6 64 $24,578 $8,498 $16,081 $4,726,737
6 65 $24,578 $8,469 $16,109 $4,710,628
6 66 $24,578 $8,440 $16,138 $4,694,490
6 67 $24,578 $8,411 $16,167 $4,678,323
6 68 $24,578 $8,382 $16,196 $4,662,127
6 69 $24,578 $8,353 $16,225 $4,645,901
6 70 $24,578 $8,324 $16,254 $4,629,647
6 71 $24,578 $8,295 $16,283 $4,613,364
6 72 $24,578 $8,266 $16,312 $4,597,051
7 73 $24,578 $8,236 $16,342 $4,580,710
7 74 $24,578 $8,207 $16,371 $4,564,339
7 75 $24,578 $8,178 $16,400 $4,547,938
7 76 $24,578 $8,148 $16,430 $4,531,509
7 77 $24,578 $8,119 $16,459 $4,515,049
7 78 $24,578 $8,089 $16,489 $4,498,561
7 79 $24,578 $8,060 $16,518 $4,482,043
7 80 $24,578 $8,030 $16,548 $4,465,495
7 81 $24,578 $8,001 $16,577 $4,448,917
7 82 $24,578 $7,971 $16,607 $4,432,310
7 83 $24,578 $7,941 $16,637 $4,415,673
7 84 $24,578 $7,911 $16,667 $4,399,007
8 85 $24,578 $7,882 $16,697 $4,382,310
8 86 $24,578 $7,852 $16,726 $4,365,584
8 87 $24,578 $7,822 $16,756 $4,348,827
8 88 $24,578 $7,792 $16,786 $4,332,041
8 89 $24,578 $7,762 $16,817 $4,315,224
8 90 $24,578 $7,731 $16,847 $4,298,378
8 91 $24,578 $7,701 $16,877 $4,281,501
8 92 $24,578 $7,671 $16,907 $4,264,594
8 93 $24,578 $7,641 $16,937 $4,247,656
8 94 $24,578 $7,610 $16,968 $4,230,689
8 95 $24,578 $7,580 $16,998 $4,213,690
8 96 $24,578 $7,550 $17,029 $4,196,662
9 97 $24,578 $7,519 $17,059 $4,179,603
9 98 $24,578 $7,488 $17,090 $4,162,513
9 99 $24,578 $7,458 $17,120 $4,145,393
9 100 $24,578 $7,427 $17,151 $4,128,242
9 101 $24,578 $7,396 $17,182 $4,111,060
9 102 $24,578 $7,366 $17,212 $4,093,848
9 103 $24,578 $7,335 $17,243 $4,076,604
9 104 $24,578 $7,304 $17,274 $4,059,330
9 105 $24,578 $7,273 $17,305 $4,042,025
9 106 $24,578 $7,242 $17,336 $4,024,689
9 107 $24,578 $7,211 $17,367 $4,007,322
9 108 $24,578 $7,180 $17,398 $3,989,923
10 109 $24,578 $7,149 $17,429 $3,972,494
10 110 $24,578 $7,117 $17,461 $3,955,033
10 111 $24,578 $7,086 $17,492 $3,937,541
10 112 $24,578 $7,055 $17,523 $3,920,018
10 113 $24,578 $7,023 $17,555 $3,902,463
10 114 $24,578 $6,992 $17,586 $3,884,877
10 115 $24,578 $6,960 $17,618 $3,867,259
10 116 $24,578 $6,929 $17,649 $3,849,610
10 117 $24,578 $6,897 $17,681 $3,831,929
10 118 $24,578 $6,866 $17,713 $3,814,216
10 119 $24,578 $6,834 $17,744 $3,796,472
10 120 $24,578 $6,802 $17,776 $3,778,696
11 121 $24,578 $6,770 $17,808 $3,760,888
11 122 $24,578 $6,738 $17,840 $3,743,048
11 123 $24,578 $6,706 $17,872 $3,725,176
11 124 $24,578 $6,674 $17,904 $3,707,273
11 125 $24,578 $6,642 $17,936 $3,689,337
11 126 $24,578 $6,610 $17,968 $3,671,369
11 127 $24,578 $6,578 $18,000 $3,653,368
11 128 $24,578 $6,546 $18,032 $3,635,336
11 129 $24,578 $6,513 $18,065 $3,617,271
11 130 $24,578 $6,481 $18,097 $3,599,174
11 131 $24,578 $6,449 $18,130 $3,581,044
11 132 $24,578 $6,416 $18,162 $3,562,882
12 133 $24,578 $6,383 $18,195 $3,544,688
12 134 $24,578 $6,351 $18,227 $3,526,460
12 135 $24,578 $6,318 $18,260 $3,508,201
12 136 $24,578 $6,286 $18,293 $3,489,908
12 137 $24,578 $6,253 $18,325 $3,471,583
12 138 $24,578 $6,220 $18,358 $3,453,224
12 139 $24,578 $6,187 $18,391 $3,434,833
12 140 $24,578 $6,154 $18,424 $3,416,409
12 141 $24,578 $6,121 $18,457 $3,397,952
12 142 $24,578 $6,088 $18,490 $3,379,462
12 143 $24,578 $6,055 $18,523 $3,360,939
12 144 $24,578 $6,022 $18,556 $3,342,383
13 145 $24,578 $5,988 $18,590 $3,323,793
13 146 $24,578 $5,955 $18,623 $3,305,170
13 147 $24,578 $5,922 $18,656 $3,286,514
13 148 $24,578 $5,888 $18,690 $3,267,824
13 149 $24,578 $5,855 $18,723 $3,249,100
13 150 $24,578 $5,821 $18,757 $3,230,344
13 151 $24,578 $5,788 $18,790 $3,211,553
13 152 $24,578 $5,754 $18,824 $3,192,729
13 153 $24,578 $5,720 $18,858 $3,173,871
13 154 $24,578 $5,687 $18,892 $3,154,980
13 155 $24,578 $5,653 $18,925 $3,136,054
13 156 $24,578 $5,619 $18,959 $3,117,095
14 157 $24,578 $5,585 $18,993 $3,098,102
14 158 $24,578 $5,551 $19,027 $3,079,074
14 159 $24,578 $5,517 $19,061 $3,060,013
14 160 $24,578 $5,483 $19,096 $3,040,917
14 161 $24,578 $5,448 $19,130 $3,021,788
14 162 $24,578 $5,414 $19,164 $3,002,623
14 163 $24,578 $5,380 $19,198 $2,983,425
14 164 $24,578 $5,345 $19,233 $2,964,192
14 165 $24,578 $5,311 $19,267 $2,944,925
14 166 $24,578 $5,276 $19,302 $2,925,623
14 167 $24,578 $5,242 $19,336 $2,906,287
14 168 $24,578 $5,207 $19,371 $2,886,916
15 169 $24,578 $5,172 $19,406 $2,867,510
15 170 $24,578 $5,138 $19,440 $2,848,070
15 171 $24,578 $5,103 $19,475 $2,828,594
15 172 $24,578 $5,068 $19,510 $2,809,084
15 173 $24,578 $5,033 $19,545 $2,789,539
15 174 $24,578 $4,998 $19,580 $2,769,959
15 175 $24,578 $4,963 $19,615 $2,750,343
15 176 $24,578 $4,928 $19,650 $2,730,693
15 177 $24,578 $4,892 $19,686 $2,711,007
15 178 $24,578 $4,857 $19,721 $2,691,287
15 179 $24,578 $4,822 $19,756 $2,671,530
15 180 $24,578 $4,786 $19,792 $2,651,739
16 181 $24,578 $4,751 $19,827 $2,631,912
16 182 $24,578 $4,716 $19,863 $2,612,049
16 183 $24,578 $4,680 $19,898 $2,592,151
16 184 $24,578 $4,644 $19,934 $2,572,217
16 185 $24,578 $4,609 $19,970 $2,552,247
16 186 $24,578 $4,573 $20,005 $2,532,242
16 187 $24,578 $4,537 $20,041 $2,512,201
16 188 $24,578 $4,501 $20,077 $2,492,124
16 189 $24,578 $4,465 $20,113 $2,472,011
16 190 $24,578 $4,429 $20,149 $2,451,862
16 191 $24,578 $4,393 $20,185 $2,431,677
16 192 $24,578 $4,357 $20,221 $2,411,455
17 193 $24,578 $4,321 $20,258 $2,391,198
17 194 $24,578 $4,284 $20,294 $2,370,904
17 195 $24,578 $4,248 $20,330 $2,350,573
17 196 $24,578 $4,211 $20,367 $2,330,207
17 197 $24,578 $4,175 $20,403 $2,309,804
17 198 $24,578 $4,138 $20,440 $2,289,364
17 199 $24,578 $4,102 $20,476 $2,268,888
17 200 $24,578 $4,065 $20,513 $2,248,375
17 201 $24,578 $4,028 $20,550 $2,227,825
17 202 $24,578 $3,992 $20,587 $2,207,238
17 203 $24,578 $3,955 $20,623 $2,186,615
17 204 $24,578 $3,918 $20,660 $2,165,954
18 205 $24,578 $3,881 $20,697 $2,145,257
18 206 $24,578 $3,844 $20,735 $2,124,522
18 207 $24,578 $3,806 $20,772 $2,103,751
18 208 $24,578 $3,769 $20,809 $2,082,942
18 209 $24,578 $3,732 $20,846 $2,062,096
18 210 $24,578 $3,695 $20,884 $2,041,212
18 211 $24,578 $3,657 $20,921 $2,020,291
18 212 $24,578 $3,620 $20,958 $1,999,333
18 213 $24,578 $3,582 $20,996 $1,978,337
18 214 $24,578 $3,545 $21,034 $1,957,303
18 215 $24,578 $3,507 $21,071 $1,936,232
18 216 $24,578 $3,469 $21,109 $1,915,123
19 217 $24,578 $3,431 $21,147 $1,893,976
19 218 $24,578 $3,393 $21,185 $1,872,791
19 219 $24,578 $3,355 $21,223 $1,851,569
19 220 $24,578 $3,317 $21,261 $1,830,308
19 221 $24,578 $3,279 $21,299 $1,809,009
19 222 $24,578 $3,241 $21,337 $1,787,672
19 223 $24,578 $3,203 $21,375 $1,766,297
19 224 $24,578 $3,165 $21,413 $1,744,883
19 225 $24,578 $3,126 $21,452 $1,723,432
19 226 $24,578 $3,088 $21,490 $1,701,941
19 227 $24,578 $3,049 $21,529 $1,680,412
19 228 $24,578 $3,011 $21,567 $1,658,845
20 229 $24,578 $2,972 $21,606 $1,637,239
20 230 $24,578 $2,933 $21,645 $1,615,594
20 231 $24,578 $2,895 $21,684 $1,593,911
20 232 $24,578 $2,856 $21,722 $1,572,188
20 233 $24,578 $2,817 $21,761 $1,550,427
20 234 $24,578 $2,778 $21,800 $1,528,627
20 235 $24,578 $2,739 $21,839 $1,506,788
20 236 $24,578 $2,700 $21,878 $1,484,909
20 237 $24,578 $2,660 $21,918 $1,462,992
20 238 $24,578 $2,621 $21,957 $1,441,035
20 239 $24,578 $2,582 $21,996 $1,419,038
20 240 $24,578 $2,542 $22,036 $1,397,003
21 241 $24,578 $2,503 $22,075 $1,374,928
21 242 $24,578 $2,463 $22,115 $1,352,813
21 243 $24,578 $2,424 $22,154 $1,330,659
21 244 $24,578 $2,384 $22,194 $1,308,465
21 245 $24,578 $2,344 $22,234 $1,286,231
21 246 $24,578 $2,304 $22,274 $1,263,957
21 247 $24,578 $2,265 $22,314 $1,241,644
21 248 $24,578 $2,225 $22,353 $1,219,290
21 249 $24,578 $2,185 $22,394 $1,196,897
21 250 $24,578 $2,144 $22,434 $1,174,463
21 251 $24,578 $2,104 $22,474 $1,151,989
21 252 $24,578 $2,064 $22,514 $1,129,475
22 253 $24,578 $2,024 $22,554 $1,106,920
22 254 $24,578 $1,983 $22,595 $1,084,326
22 255 $24,578 $1,943 $22,635 $1,061,690
22 256 $24,578 $1,902 $22,676 $1,039,014
22 257 $24,578 $1,862 $22,717 $1,016,298
22 258 $24,578 $1,821 $22,757 $993,540
22 259 $24,578 $1,780 $22,798 $970,742
22 260 $24,578 $1,739 $22,839 $947,904
22 261 $24,578 $1,698 $22,880 $925,024
22 262 $24,578 $1,657 $22,921 $902,103
22 263 $24,578 $1,616 $22,962 $879,141
22 264 $24,578 $1,575 $23,003 $856,138
23 265 $24,578 $1,534 $23,044 $833,094
23 266 $24,578 $1,493 $23,085 $810,009
23 267 $24,578 $1,451 $23,127 $786,882
23 268 $24,578 $1,410 $23,168 $763,713
23 269 $24,578 $1,368 $23,210 $740,504
23 270 $24,578 $1,327 $23,251 $717,252
23 271 $24,578 $1,285 $23,293 $693,959
23 272 $24,578 $1,243 $23,335 $670,624
23 273 $24,578 $1,202 $23,377 $647,248
23 274 $24,578 $1,160 $23,418 $623,829
23 275 $24,578 $1,118 $23,460 $600,369
23 276 $24,578 $1,076 $23,502 $576,867
24 277 $24,578 $1,034 $23,545 $553,322
24 278 $24,578 $991 $23,587 $529,735
24 279 $24,578 $949 $23,629 $506,106
24 280 $24,578 $907 $23,671 $482,435
24 281 $24,578 $864 $23,714 $458,721
24 282 $24,578 $822 $23,756 $434,965
24 283 $24,578 $779 $23,799 $411,166
24 284 $24,578 $737 $23,841 $387,325
24 285 $24,578 $694 $23,884 $363,441
24 286 $24,578 $651 $23,927 $339,514
24 287 $24,578 $608 $23,970 $315,544
24 288 $24,578 $565 $24,013 $291,531
25 289 $24,578 $522 $24,056 $267,475
25 290 $24,578 $479 $24,099 $243,376
25 291 $24,578 $436 $24,142 $219,234
25 292 $24,578 $393 $24,185 $195,049
25 293 $24,578 $349 $24,229 $170,820
25 294 $24,578 $306 $24,272 $146,548
25 295 $24,578 $263 $24,316 $122,233
25 296 $24,578 $219 $24,359 $97,874
25 297 $24,578 $175 $24,403 $73,471
25 298 $24,578 $132 $24,446 $49,024
25 299 $24,578 $88 $24,490 $24,534
25 300 $24,578 $44 $24,534 $0