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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$ 8,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 8,610,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$8,400,000
 
Monthly Repayment (HKD)
$54,331
Loan Amount (HKD)
$12,600,000
+
Total Interest (HKD)
$3,699,167
=
Total Repayment (HKD)
$16,299,167
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $54,331 $22,575 $31,756 $12,568,244
1 2 $54,331 $22,518 $31,812 $12,536,432
1 3 $54,331 $22,461 $31,869 $12,504,563
1 4 $54,331 $22,404 $31,927 $12,472,636
1 5 $54,331 $22,347 $31,984 $12,440,652
1 6 $54,331 $22,290 $32,041 $12,408,611
1 7 $54,331 $22,232 $32,098 $12,376,513
1 8 $54,331 $22,175 $32,156 $12,344,357
1 9 $54,331 $22,117 $32,214 $12,312,143
1 10 $54,331 $22,059 $32,271 $12,279,872
1 11 $54,331 $22,001 $32,329 $12,247,543
1 12 $54,331 $21,944 $32,387 $12,215,156
2 13 $54,331 $21,885 $32,445 $12,182,711
2 14 $54,331 $21,827 $32,503 $12,150,207
2 15 $54,331 $21,769 $32,561 $12,117,646
2 16 $54,331 $21,711 $32,620 $12,085,026
2 17 $54,331 $21,652 $32,678 $12,052,348
2 18 $54,331 $21,594 $32,737 $12,019,611
2 19 $54,331 $21,535 $32,795 $11,986,816
2 20 $54,331 $21,476 $32,854 $11,953,962
2 21 $54,331 $21,418 $32,913 $11,921,049
2 22 $54,331 $21,359 $32,972 $11,888,077
2 23 $54,331 $21,299 $33,031 $11,855,045
2 24 $54,331 $21,240 $33,090 $11,821,955
3 25 $54,331 $21,181 $33,150 $11,788,806
3 26 $54,331 $21,122 $33,209 $11,755,597
3 27 $54,331 $21,062 $33,268 $11,722,328
3 28 $54,331 $21,003 $33,328 $11,689,000
3 29 $54,331 $20,943 $33,388 $11,655,612
3 30 $54,331 $20,883 $33,448 $11,622,165
3 31 $54,331 $20,823 $33,508 $11,588,657
3 32 $54,331 $20,763 $33,568 $11,555,090
3 33 $54,331 $20,703 $33,628 $11,521,462
3 34 $54,331 $20,643 $33,688 $11,487,774
3 35 $54,331 $20,582 $33,748 $11,454,026
3 36 $54,331 $20,522 $33,809 $11,420,217
4 37 $54,331 $20,461 $33,869 $11,386,348
4 38 $54,331 $20,401 $33,930 $11,352,418
4 39 $54,331 $20,340 $33,991 $11,318,427
4 40 $54,331 $20,279 $34,052 $11,284,375
4 41 $54,331 $20,218 $34,113 $11,250,263
4 42 $54,331 $20,157 $34,174 $11,216,089
4 43 $54,331 $20,095 $34,235 $11,181,854
4 44 $54,331 $20,034 $34,296 $11,147,557
4 45 $54,331 $19,973 $34,358 $11,113,199
4 46 $54,331 $19,911 $34,419 $11,078,780
4 47 $54,331 $19,849 $34,481 $11,044,299
4 48 $54,331 $19,788 $34,543 $11,009,756
5 49 $54,331 $19,726 $34,605 $10,975,151
5 50 $54,331 $19,664 $34,667 $10,940,485
5 51 $54,331 $19,602 $34,729 $10,905,756
5 52 $54,331 $19,539 $34,791 $10,870,965
5 53 $54,331 $19,477 $34,853 $10,836,111
5 54 $54,331 $19,415 $34,916 $10,801,195
5 55 $54,331 $19,352 $34,978 $10,766,217
5 56 $54,331 $19,289 $35,041 $10,731,176
5 57 $54,331 $19,227 $35,104 $10,696,072
5 58 $54,331 $19,164 $35,167 $10,660,905
5 59 $54,331 $19,101 $35,230 $10,625,675
5 60 $54,331 $19,038 $35,293 $10,590,383
6 61 $54,331 $18,974 $35,356 $10,555,026
6 62 $54,331 $18,911 $35,419 $10,519,607
6 63 $54,331 $18,848 $35,483 $10,484,124
6 64 $54,331 $18,784 $35,547 $10,448,577
6 65 $54,331 $18,720 $35,610 $10,412,967
6 66 $54,331 $18,657 $35,674 $10,377,293
6 67 $54,331 $18,593 $35,738 $10,341,555
6 68 $54,331 $18,529 $35,802 $10,305,753
6 69 $54,331 $18,464 $35,866 $10,269,887
6 70 $54,331 $18,400 $35,930 $10,233,957
6 71 $54,331 $18,336 $35,995 $10,197,962
6 72 $54,331 $18,271 $36,059 $10,161,903
7 73 $54,331 $18,207 $36,124 $10,125,779
7 74 $54,331 $18,142 $36,189 $10,089,591
7 75 $54,331 $18,077 $36,253 $10,053,337
7 76 $54,331 $18,012 $36,318 $10,017,019
7 77 $54,331 $17,947 $36,383 $9,980,636
7 78 $54,331 $17,882 $36,449 $9,944,187
7 79 $54,331 $17,817 $36,514 $9,907,673
7 80 $54,331 $17,751 $36,579 $9,871,094
7 81 $54,331 $17,686 $36,645 $9,834,449
7 82 $54,331 $17,620 $36,711 $9,797,739
7 83 $54,331 $17,554 $36,776 $9,760,962
7 84 $54,331 $17,488 $36,842 $9,724,120
8 85 $54,331 $17,422 $36,908 $9,687,212
8 86 $54,331 $17,356 $36,974 $9,650,238
8 87 $54,331 $17,290 $37,041 $9,613,197
8 88 $54,331 $17,224 $37,107 $9,576,090
8 89 $54,331 $17,157 $37,173 $9,538,917
8 90 $54,331 $17,091 $37,240 $9,501,677
8 91 $54,331 $17,024 $37,307 $9,464,370
8 92 $54,331 $16,957 $37,374 $9,426,996
8 93 $54,331 $16,890 $37,441 $9,389,556
8 94 $54,331 $16,823 $37,508 $9,352,048
8 95 $54,331 $16,756 $37,575 $9,314,474
8 96 $54,331 $16,688 $37,642 $9,276,831
9 97 $54,331 $16,621 $37,710 $9,239,122
9 98 $54,331 $16,553 $37,777 $9,201,345
9 99 $54,331 $16,486 $37,845 $9,163,500
9 100 $54,331 $16,418 $37,913 $9,125,587
9 101 $54,331 $16,350 $37,981 $9,087,607
9 102 $54,331 $16,282 $38,049 $9,049,558
9 103 $54,331 $16,214 $38,117 $9,011,441
9 104 $54,331 $16,145 $38,185 $8,973,256
9 105 $54,331 $16,077 $38,253 $8,935,003
9 106 $54,331 $16,009 $38,322 $8,896,681
9 107 $54,331 $15,940 $38,391 $8,858,290
9 108 $54,331 $15,871 $38,459 $8,819,831
10 109 $54,331 $15,802 $38,528 $8,781,302
10 110 $54,331 $15,733 $38,597 $8,742,705
10 111 $54,331 $15,664 $38,667 $8,704,038
10 112 $54,331 $15,595 $38,736 $8,665,303
10 113 $54,331 $15,525 $38,805 $8,626,497
10 114 $54,331 $15,456 $38,875 $8,587,623
10 115 $54,331 $15,386 $38,944 $8,548,678
10 116 $54,331 $15,316 $39,014 $8,509,664
10 117 $54,331 $15,246 $39,084 $8,470,580
10 118 $54,331 $15,176 $39,154 $8,431,426
10 119 $54,331 $15,106 $39,224 $8,392,202
10 120 $54,331 $15,036 $39,295 $8,352,907
11 121 $54,331 $14,966 $39,365 $8,313,542
11 122 $54,331 $14,895 $39,435 $8,274,107
11 123 $54,331 $14,824 $39,506 $8,234,601
11 124 $54,331 $14,754 $39,577 $8,195,024
11 125 $54,331 $14,683 $39,648 $8,155,376
11 126 $54,331 $14,612 $39,719 $8,115,657
11 127 $54,331 $14,541 $39,790 $8,075,867
11 128 $54,331 $14,469 $39,861 $8,036,006
11 129 $54,331 $14,398 $39,933 $7,996,073
11 130 $54,331 $14,326 $40,004 $7,956,069
11 131 $54,331 $14,255 $40,076 $7,915,993
11 132 $54,331 $14,183 $40,148 $7,875,845
12 133 $54,331 $14,111 $40,220 $7,835,625
12 134 $54,331 $14,039 $40,292 $7,795,334
12 135 $54,331 $13,967 $40,364 $7,754,970
12 136 $54,331 $13,894 $40,436 $7,714,533
12 137 $54,331 $13,822 $40,509 $7,674,025
12 138 $54,331 $13,749 $40,581 $7,633,444
12 139 $54,331 $13,677 $40,654 $7,592,790
12 140 $54,331 $13,604 $40,727 $7,552,063
12 141 $54,331 $13,531 $40,800 $7,511,263
12 142 $54,331 $13,458 $40,873 $7,470,390
12 143 $54,331 $13,384 $40,946 $7,429,444
12 144 $54,331 $13,311 $41,019 $7,388,425
13 145 $54,331 $13,238 $41,093 $7,347,332
13 146 $54,331 $13,164 $41,167 $7,306,165
13 147 $54,331 $13,090 $41,240 $7,264,925
13 148 $54,331 $13,016 $41,314 $7,223,610
13 149 $54,331 $12,942 $41,388 $7,182,222
13 150 $54,331 $12,868 $41,462 $7,140,760
13 151 $54,331 $12,794 $41,537 $7,099,223
13 152 $54,331 $12,719 $41,611 $7,057,612
13 153 $54,331 $12,645 $41,686 $7,015,926
13 154 $54,331 $12,570 $41,760 $6,974,166
13 155 $54,331 $12,495 $41,835 $6,932,331
13 156 $54,331 $12,420 $41,910 $6,890,421
14 157 $54,331 $12,345 $41,985 $6,848,435
14 158 $54,331 $12,270 $42,060 $6,806,375
14 159 $54,331 $12,195 $42,136 $6,764,239
14 160 $54,331 $12,119 $42,211 $6,722,028
14 161 $54,331 $12,044 $42,287 $6,679,741
14 162 $54,331 $11,968 $42,363 $6,637,378
14 163 $54,331 $11,892 $42,439 $6,594,940
14 164 $54,331 $11,816 $42,515 $6,552,425
14 165 $54,331 $11,740 $42,591 $6,509,834
14 166 $54,331 $11,663 $42,667 $6,467,167
14 167 $54,331 $11,587 $42,744 $6,424,424
14 168 $54,331 $11,510 $42,820 $6,381,603
15 169 $54,331 $11,434 $42,897 $6,338,707
15 170 $54,331 $11,357 $42,974 $6,295,733
15 171 $54,331 $11,280 $43,051 $6,252,682
15 172 $54,331 $11,203 $43,128 $6,209,554
15 173 $54,331 $11,125 $43,205 $6,166,349
15 174 $54,331 $11,048 $43,283 $6,123,067
15 175 $54,331 $10,970 $43,360 $6,079,707
15 176 $54,331 $10,893 $43,438 $6,036,269
15 177 $54,331 $10,815 $43,516 $5,992,753
15 178 $54,331 $10,737 $43,594 $5,949,160
15 179 $54,331 $10,659 $43,672 $5,905,488
15 180 $54,331 $10,581 $43,750 $5,861,738
16 181 $54,331 $10,502 $43,828 $5,817,910
16 182 $54,331 $10,424 $43,907 $5,774,003
16 183 $54,331 $10,345 $43,985 $5,730,018
16 184 $54,331 $10,266 $44,064 $5,685,953
16 185 $54,331 $10,187 $44,143 $5,641,810
16 186 $54,331 $10,108 $44,222 $5,597,588
16 187 $54,331 $10,029 $44,302 $5,553,286
16 188 $54,331 $9,950 $44,381 $5,508,905
16 189 $54,331 $9,870 $44,460 $5,464,445
16 190 $54,331 $9,790 $44,540 $5,419,905
16 191 $54,331 $9,711 $44,620 $5,375,285
16 192 $54,331 $9,631 $44,700 $5,330,585
17 193 $54,331 $9,551 $44,780 $5,285,805
17 194 $54,331 $9,470 $44,860 $5,240,945
17 195 $54,331 $9,390 $44,941 $5,196,004
17 196 $54,331 $9,310 $45,021 $5,150,983
17 197 $54,331 $9,229 $45,102 $5,105,882
17 198 $54,331 $9,148 $45,183 $5,060,699
17 199 $54,331 $9,067 $45,263 $5,015,436
17 200 $54,331 $8,986 $45,345 $4,970,091
17 201 $54,331 $8,905 $45,426 $4,924,665
17 202 $54,331 $8,823 $45,507 $4,879,158
17 203 $54,331 $8,742 $45,589 $4,833,569
17 204 $54,331 $8,660 $45,670 $4,787,899
18 205 $54,331 $8,578 $45,752 $4,742,147
18 206 $54,331 $8,496 $45,834 $4,696,313
18 207 $54,331 $8,414 $45,916 $4,650,396
18 208 $54,331 $8,332 $45,999 $4,604,398
18 209 $54,331 $8,250 $46,081 $4,558,317
18 210 $54,331 $8,167 $46,164 $4,512,153
18 211 $54,331 $8,084 $46,246 $4,465,907
18 212 $54,331 $8,001 $46,329 $4,419,578
18 213 $54,331 $7,918 $46,412 $4,373,165
18 214 $54,331 $7,835 $46,495 $4,326,670
18 215 $54,331 $7,752 $46,579 $4,280,092
18 216 $54,331 $7,668 $46,662 $4,233,429
19 217 $54,331 $7,585 $46,746 $4,186,684
19 218 $54,331 $7,501 $46,829 $4,139,854
19 219 $54,331 $7,417 $46,913 $4,092,941
19 220 $54,331 $7,333 $46,997 $4,045,944
19 221 $54,331 $7,249 $47,082 $3,998,862
19 222 $54,331 $7,165 $47,166 $3,951,696
19 223 $54,331 $7,080 $47,250 $3,904,446
19 224 $54,331 $6,995 $47,335 $3,857,111
19 225 $54,331 $6,911 $47,420 $3,809,691
19 226 $54,331 $6,826 $47,505 $3,762,186
19 227 $54,331 $6,741 $47,590 $3,714,596
19 228 $54,331 $6,655 $47,675 $3,666,921
20 229 $54,331 $6,570 $47,761 $3,619,160
20 230 $54,331 $6,484 $47,846 $3,571,314
20 231 $54,331 $6,399 $47,932 $3,523,382
20 232 $54,331 $6,313 $48,018 $3,475,364
20 233 $54,331 $6,227 $48,104 $3,427,260
20 234 $54,331 $6,141 $48,190 $3,379,070
20 235 $54,331 $6,054 $48,276 $3,330,794
20 236 $54,331 $5,968 $48,363 $3,282,431
20 237 $54,331 $5,881 $48,450 $3,233,981
20 238 $54,331 $5,794 $48,536 $3,185,445
20 239 $54,331 $5,707 $48,623 $3,136,822
20 240 $54,331 $5,620 $48,710 $3,088,111
21 241 $54,331 $5,533 $48,798 $3,039,314
21 242 $54,331 $5,445 $48,885 $2,990,428
21 243 $54,331 $5,358 $48,973 $2,941,456
21 244 $54,331 $5,270 $49,060 $2,892,395
21 245 $54,331 $5,182 $49,148 $2,843,247
21 246 $54,331 $5,094 $49,236 $2,794,010
21 247 $54,331 $5,006 $49,325 $2,744,686
21 248 $54,331 $4,918 $49,413 $2,695,273
21 249 $54,331 $4,829 $49,502 $2,645,771
21 250 $54,331 $4,740 $49,590 $2,596,181
21 251 $54,331 $4,651 $49,679 $2,546,502
21 252 $54,331 $4,562 $49,768 $2,496,734
22 253 $54,331 $4,473 $49,857 $2,446,877
22 254 $54,331 $4,384 $49,947 $2,396,930
22 255 $54,331 $4,294 $50,036 $2,346,894
22 256 $54,331 $4,205 $50,126 $2,296,768
22 257 $54,331 $4,115 $50,216 $2,246,553
22 258 $54,331 $4,025 $50,305 $2,196,247
22 259 $54,331 $3,935 $50,396 $2,145,852
22 260 $54,331 $3,845 $50,486 $2,095,366
22 261 $54,331 $3,754 $50,576 $2,044,790
22 262 $54,331 $3,664 $50,667 $1,994,123
22 263 $54,331 $3,573 $50,758 $1,943,365
22 264 $54,331 $3,482 $50,849 $1,892,516
23 265 $54,331 $3,391 $50,940 $1,841,576
23 266 $54,331 $3,299 $51,031 $1,790,545
23 267 $54,331 $3,208 $51,122 $1,739,423
23 268 $54,331 $3,116 $51,214 $1,688,209
23 269 $54,331 $3,025 $51,306 $1,636,903
23 270 $54,331 $2,933 $51,398 $1,585,505
23 271 $54,331 $2,841 $51,490 $1,534,015
23 272 $54,331 $2,748 $51,582 $1,482,433
23 273 $54,331 $2,656 $51,675 $1,430,759
23 274 $54,331 $2,563 $51,767 $1,378,991
23 275 $54,331 $2,471 $51,860 $1,327,132
23 276 $54,331 $2,378 $51,953 $1,275,179
24 277 $54,331 $2,285 $52,046 $1,223,133
24 278 $54,331 $2,191 $52,139 $1,170,994
24 279 $54,331 $2,098 $52,233 $1,118,761
24 280 $54,331 $2,004 $52,326 $1,066,435
24 281 $54,331 $1,911 $52,420 $1,014,015
24 282 $54,331 $1,817 $52,514 $961,501
24 283 $54,331 $1,723 $52,608 $908,894
24 284 $54,331 $1,628 $52,702 $856,191
24 285 $54,331 $1,534 $52,797 $803,395
24 286 $54,331 $1,439 $52,891 $750,504
24 287 $54,331 $1,345 $52,986 $697,518
24 288 $54,331 $1,250 $53,081 $644,437
25 289 $54,331 $1,155 $53,176 $591,261
25 290 $54,331 $1,059 $53,271 $537,990
25 291 $54,331 $964 $53,367 $484,623
25 292 $54,331 $868 $53,462 $431,161
25 293 $54,331 $772 $53,558 $377,603
25 294 $54,331 $677 $53,654 $323,949
25 295 $54,331 $580 $53,750 $270,199
25 296 $54,331 $484 $53,846 $216,352
25 297 $54,331 $388 $53,943 $162,409
25 298 $54,331 $291 $54,040 $108,370
25 299 $54,331 $194 $54,136 $54,233
25 300 $54,331 $97 $54,233 $0