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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$ 3,560,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,649,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,560,000
 
Monthly Repayment (HKD)
$23,026
Loan Amount (HKD)
$5,340,000
+
Total Interest (HKD)
$1,567,742
=
Total Repayment (HKD)
$6,907,742
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $23,026 $9,568 $13,458 $5,326,542
1 2 $23,026 $9,543 $13,482 $5,313,059
1 3 $23,026 $9,519 $13,507 $5,299,553
1 4 $23,026 $9,495 $13,531 $5,286,022
1 5 $23,026 $9,471 $13,555 $5,272,467
1 6 $23,026 $9,447 $13,579 $5,258,888
1 7 $23,026 $9,422 $13,604 $5,245,284
1 8 $23,026 $9,398 $13,628 $5,231,656
1 9 $23,026 $9,373 $13,652 $5,218,004
1 10 $23,026 $9,349 $13,677 $5,204,327
1 11 $23,026 $9,324 $13,701 $5,190,625
1 12 $23,026 $9,300 $13,726 $5,176,899
2 13 $23,026 $9,275 $13,751 $5,163,149
2 14 $23,026 $9,251 $13,775 $5,149,374
2 15 $23,026 $9,226 $13,800 $5,135,574
2 16 $23,026 $9,201 $13,825 $5,121,749
2 17 $23,026 $9,176 $13,849 $5,107,900
2 18 $23,026 $9,152 $13,874 $5,094,026
2 19 $23,026 $9,127 $13,899 $5,080,127
2 20 $23,026 $9,102 $13,924 $5,066,203
2 21 $23,026 $9,077 $13,949 $5,052,254
2 22 $23,026 $9,052 $13,974 $5,038,280
2 23 $23,026 $9,027 $13,999 $5,024,281
2 24 $23,026 $9,002 $14,024 $5,010,257
3 25 $23,026 $8,977 $14,049 $4,996,208
3 26 $23,026 $8,952 $14,074 $4,982,134
3 27 $23,026 $8,926 $14,099 $4,968,034
3 28 $23,026 $8,901 $14,125 $4,953,910
3 29 $23,026 $8,876 $14,150 $4,939,760
3 30 $23,026 $8,850 $14,175 $4,925,584
3 31 $23,026 $8,825 $14,201 $4,911,383
3 32 $23,026 $8,800 $14,226 $4,897,157
3 33 $23,026 $8,774 $14,252 $4,882,905
3 34 $23,026 $8,749 $14,277 $4,868,628
3 35 $23,026 $8,723 $14,303 $4,854,325
3 36 $23,026 $8,697 $14,328 $4,839,997
4 37 $23,026 $8,672 $14,354 $4,825,643
4 38 $23,026 $8,646 $14,380 $4,811,263
4 39 $23,026 $8,620 $14,406 $4,796,857
4 40 $23,026 $8,594 $14,431 $4,782,426
4 41 $23,026 $8,569 $14,457 $4,767,968
4 42 $23,026 $8,543 $14,483 $4,753,485
4 43 $23,026 $8,517 $14,509 $4,738,976
4 44 $23,026 $8,491 $14,535 $4,724,441
4 45 $23,026 $8,465 $14,561 $4,709,880
4 46 $23,026 $8,439 $14,587 $4,695,292
4 47 $23,026 $8,412 $14,613 $4,680,679
4 48 $23,026 $8,386 $14,640 $4,666,039
5 49 $23,026 $8,360 $14,666 $4,651,374
5 50 $23,026 $8,334 $14,692 $4,636,682
5 51 $23,026 $8,307 $14,718 $4,621,963
5 52 $23,026 $8,281 $14,745 $4,607,218
5 53 $23,026 $8,255 $14,771 $4,592,447
5 54 $23,026 $8,228 $14,798 $4,577,649
5 55 $23,026 $8,202 $14,824 $4,562,825
5 56 $23,026 $8,175 $14,851 $4,547,975
5 57 $23,026 $8,148 $14,877 $4,533,097
5 58 $23,026 $8,122 $14,904 $4,518,193
5 59 $23,026 $8,095 $14,931 $4,503,262
5 60 $23,026 $8,068 $14,957 $4,488,305
6 61 $23,026 $8,042 $14,984 $4,473,321
6 62 $23,026 $8,015 $15,011 $4,458,310
6 63 $23,026 $7,988 $15,038 $4,443,272
6 64 $23,026 $7,961 $15,065 $4,428,207
6 65 $23,026 $7,934 $15,092 $4,413,115
6 66 $23,026 $7,907 $15,119 $4,397,996
6 67 $23,026 $7,880 $15,146 $4,382,850
6 68 $23,026 $7,853 $15,173 $4,367,676
6 69 $23,026 $7,825 $15,200 $4,352,476
6 70 $23,026 $7,798 $15,228 $4,337,248
6 71 $23,026 $7,771 $15,255 $4,321,994
6 72 $23,026 $7,744 $15,282 $4,306,711
7 73 $23,026 $7,716 $15,310 $4,291,402
7 74 $23,026 $7,689 $15,337 $4,276,065
7 75 $23,026 $7,661 $15,365 $4,260,700
7 76 $23,026 $7,634 $15,392 $4,245,308
7 77 $23,026 $7,606 $15,420 $4,229,888
7 78 $23,026 $7,579 $15,447 $4,214,441
7 79 $23,026 $7,551 $15,475 $4,198,966
7 80 $23,026 $7,523 $15,503 $4,183,464
7 81 $23,026 $7,495 $15,530 $4,167,933
7 82 $23,026 $7,468 $15,558 $4,152,375
7 83 $23,026 $7,440 $15,586 $4,136,789
7 84 $23,026 $7,412 $15,614 $4,121,175
8 85 $23,026 $7,384 $15,642 $4,105,533
8 86 $23,026 $7,356 $15,670 $4,089,863
8 87 $23,026 $7,328 $15,698 $4,074,164
8 88 $23,026 $7,300 $15,726 $4,058,438
8 89 $23,026 $7,271 $15,754 $4,042,684
8 90 $23,026 $7,243 $15,783 $4,026,901
8 91 $23,026 $7,215 $15,811 $4,011,090
8 92 $23,026 $7,187 $15,839 $3,995,251
8 93 $23,026 $7,158 $15,868 $3,979,383
8 94 $23,026 $7,130 $15,896 $3,963,487
8 95 $23,026 $7,101 $15,925 $3,947,563
8 96 $23,026 $7,073 $15,953 $3,931,609
9 97 $23,026 $7,044 $15,982 $3,915,628
9 98 $23,026 $7,015 $16,010 $3,899,618
9 99 $23,026 $6,987 $16,039 $3,883,579
9 100 $23,026 $6,958 $16,068 $3,867,511
9 101 $23,026 $6,929 $16,097 $3,851,414
9 102 $23,026 $6,900 $16,125 $3,835,289
9 103 $23,026 $6,872 $16,154 $3,819,135
9 104 $23,026 $6,843 $16,183 $3,802,951
9 105 $23,026 $6,814 $16,212 $3,786,739
9 106 $23,026 $6,785 $16,241 $3,770,498
9 107 $23,026 $6,755 $16,270 $3,754,228
9 108 $23,026 $6,726 $16,299 $3,737,928
10 109 $23,026 $6,697 $16,329 $3,721,600
10 110 $23,026 $6,668 $16,358 $3,705,242
10 111 $23,026 $6,639 $16,387 $3,688,854
10 112 $23,026 $6,609 $16,417 $3,672,438
10 113 $23,026 $6,580 $16,446 $3,655,992
10 114 $23,026 $6,550 $16,475 $3,639,516
10 115 $23,026 $6,521 $16,505 $3,623,011
10 116 $23,026 $6,491 $16,535 $3,606,477
10 117 $23,026 $6,462 $16,564 $3,589,912
10 118 $23,026 $6,432 $16,594 $3,573,319
10 119 $23,026 $6,402 $16,624 $3,556,695
10 120 $23,026 $6,372 $16,653 $3,540,042
11 121 $23,026 $6,343 $16,683 $3,523,358
11 122 $23,026 $6,313 $16,713 $3,506,645
11 123 $23,026 $6,283 $16,743 $3,489,902
11 124 $23,026 $6,253 $16,773 $3,473,129
11 125 $23,026 $6,223 $16,803 $3,456,326
11 126 $23,026 $6,193 $16,833 $3,439,493
11 127 $23,026 $6,162 $16,863 $3,422,629
11 128 $23,026 $6,132 $16,894 $3,405,736
11 129 $23,026 $6,102 $16,924 $3,388,812
11 130 $23,026 $6,072 $16,954 $3,371,858
11 131 $23,026 $6,041 $16,985 $3,354,873
11 132 $23,026 $6,011 $17,015 $3,337,858
12 133 $23,026 $5,980 $17,045 $3,320,813
12 134 $23,026 $5,950 $17,076 $3,303,737
12 135 $23,026 $5,919 $17,107 $3,286,630
12 136 $23,026 $5,889 $17,137 $3,269,493
12 137 $23,026 $5,858 $17,168 $3,252,325
12 138 $23,026 $5,827 $17,199 $3,235,126
12 139 $23,026 $5,796 $17,230 $3,217,897
12 140 $23,026 $5,765 $17,260 $3,200,636
12 141 $23,026 $5,734 $17,291 $3,183,345
12 142 $23,026 $5,703 $17,322 $3,166,022
12 143 $23,026 $5,672 $17,353 $3,148,669
12 144 $23,026 $5,641 $17,384 $3,131,285
13 145 $23,026 $5,610 $17,416 $3,113,869
13 146 $23,026 $5,579 $17,447 $3,096,422
13 147 $23,026 $5,548 $17,478 $3,078,944
13 148 $23,026 $5,516 $17,509 $3,061,435
13 149 $23,026 $5,485 $17,541 $3,043,894
13 150 $23,026 $5,454 $17,572 $3,026,322
13 151 $23,026 $5,422 $17,604 $3,008,718
13 152 $23,026 $5,391 $17,635 $2,991,083
13 153 $23,026 $5,359 $17,667 $2,973,416
13 154 $23,026 $5,327 $17,698 $2,955,718
13 155 $23,026 $5,296 $17,730 $2,937,988
13 156 $23,026 $5,264 $17,762 $2,920,226
14 157 $23,026 $5,232 $17,794 $2,902,432
14 158 $23,026 $5,200 $17,826 $2,884,607
14 159 $23,026 $5,168 $17,858 $2,866,749
14 160 $23,026 $5,136 $17,890 $2,848,859
14 161 $23,026 $5,104 $17,922 $2,830,938
14 162 $23,026 $5,072 $17,954 $2,812,984
14 163 $23,026 $5,040 $17,986 $2,794,998
14 164 $23,026 $5,008 $18,018 $2,776,980
14 165 $23,026 $4,975 $18,050 $2,758,930
14 166 $23,026 $4,943 $18,083 $2,740,847
14 167 $23,026 $4,911 $18,115 $2,722,732
14 168 $23,026 $4,878 $18,148 $2,704,584
15 169 $23,026 $4,846 $18,180 $2,686,404
15 170 $23,026 $4,813 $18,213 $2,668,192
15 171 $23,026 $4,781 $18,245 $2,649,946
15 172 $23,026 $4,748 $18,278 $2,631,668
15 173 $23,026 $4,715 $18,311 $2,613,358
15 174 $23,026 $4,682 $18,344 $2,595,014
15 175 $23,026 $4,649 $18,376 $2,576,638
15 176 $23,026 $4,616 $18,409 $2,558,228
15 177 $23,026 $4,583 $18,442 $2,539,786
15 178 $23,026 $4,550 $18,475 $2,521,311
15 179 $23,026 $4,517 $18,508 $2,502,802
15 180 $23,026 $4,484 $18,542 $2,484,260
16 181 $23,026 $4,451 $18,575 $2,465,686
16 182 $23,026 $4,418 $18,608 $2,447,078
16 183 $23,026 $4,384 $18,641 $2,428,436
16 184 $23,026 $4,351 $18,675 $2,409,761
16 185 $23,026 $4,317 $18,708 $2,391,053
16 186 $23,026 $4,284 $18,742 $2,372,311
16 187 $23,026 $4,250 $18,775 $2,353,536
16 188 $23,026 $4,217 $18,809 $2,334,727
16 189 $23,026 $4,183 $18,843 $2,315,884
16 190 $23,026 $4,149 $18,877 $2,297,007
16 191 $23,026 $4,115 $18,910 $2,278,097
16 192 $23,026 $4,082 $18,944 $2,259,153
17 193 $23,026 $4,048 $18,978 $2,240,175
17 194 $23,026 $4,014 $19,012 $2,221,162
17 195 $23,026 $3,980 $19,046 $2,202,116
17 196 $23,026 $3,945 $19,080 $2,183,036
17 197 $23,026 $3,911 $19,115 $2,163,921
17 198 $23,026 $3,877 $19,149 $2,144,773
17 199 $23,026 $3,843 $19,183 $2,125,589
17 200 $23,026 $3,808 $19,217 $2,106,372
17 201 $23,026 $3,774 $19,252 $2,087,120
17 202 $23,026 $3,739 $19,286 $2,067,834
17 203 $23,026 $3,705 $19,321 $2,048,513
17 204 $23,026 $3,670 $19,356 $2,029,157
18 205 $23,026 $3,636 $19,390 $2,009,767
18 206 $23,026 $3,601 $19,425 $1,990,342
18 207 $23,026 $3,566 $19,460 $1,970,882
18 208 $23,026 $3,531 $19,495 $1,951,388
18 209 $23,026 $3,496 $19,530 $1,931,858
18 210 $23,026 $3,461 $19,565 $1,912,293
18 211 $23,026 $3,426 $19,600 $1,892,694
18 212 $23,026 $3,391 $19,635 $1,873,059
18 213 $23,026 $3,356 $19,670 $1,853,389
18 214 $23,026 $3,321 $19,705 $1,833,684
18 215 $23,026 $3,285 $19,740 $1,813,944
18 216 $23,026 $3,250 $19,776 $1,794,168
19 217 $23,026 $3,215 $19,811 $1,774,356
19 218 $23,026 $3,179 $19,847 $1,754,510
19 219 $23,026 $3,143 $19,882 $1,734,627
19 220 $23,026 $3,108 $19,918 $1,714,709
19 221 $23,026 $3,072 $19,954 $1,694,756
19 222 $23,026 $3,036 $19,989 $1,674,766
19 223 $23,026 $3,001 $20,025 $1,654,741
19 224 $23,026 $2,965 $20,061 $1,634,680
19 225 $23,026 $2,929 $20,097 $1,614,583
19 226 $23,026 $2,893 $20,133 $1,594,450
19 227 $23,026 $2,857 $20,169 $1,574,281
19 228 $23,026 $2,821 $20,205 $1,554,076
20 229 $23,026 $2,784 $20,241 $1,533,834
20 230 $23,026 $2,748 $20,278 $1,513,557
20 231 $23,026 $2,712 $20,314 $1,493,243
20 232 $23,026 $2,675 $20,350 $1,472,892
20 233 $23,026 $2,639 $20,387 $1,452,505
20 234 $23,026 $2,602 $20,423 $1,432,082
20 235 $23,026 $2,566 $20,460 $1,411,622
20 236 $23,026 $2,529 $20,497 $1,391,125
20 237 $23,026 $2,492 $20,533 $1,370,592
20 238 $23,026 $2,456 $20,570 $1,350,022
20 239 $23,026 $2,419 $20,607 $1,329,415
20 240 $23,026 $2,382 $20,644 $1,308,771
21 241 $23,026 $2,345 $20,681 $1,288,090
21 242 $23,026 $2,308 $20,718 $1,267,372
21 243 $23,026 $2,271 $20,755 $1,246,617
21 244 $23,026 $2,234 $20,792 $1,225,825
21 245 $23,026 $2,196 $20,830 $1,204,995
21 246 $23,026 $2,159 $20,867 $1,184,128
21 247 $23,026 $2,122 $20,904 $1,163,224
21 248 $23,026 $2,084 $20,942 $1,142,282
21 249 $23,026 $2,047 $20,979 $1,121,303
21 250 $23,026 $2,009 $21,017 $1,100,286
21 251 $23,026 $1,971 $21,054 $1,079,232
21 252 $23,026 $1,934 $21,092 $1,058,140
22 253 $23,026 $1,896 $21,130 $1,037,010
22 254 $23,026 $1,858 $21,168 $1,015,842
22 255 $23,026 $1,820 $21,206 $994,636
22 256 $23,026 $1,782 $21,244 $973,392
22 257 $23,026 $1,744 $21,282 $952,111
22 258 $23,026 $1,706 $21,320 $930,791
22 259 $23,026 $1,668 $21,358 $909,432
22 260 $23,026 $1,629 $21,396 $888,036
22 261 $23,026 $1,591 $21,435 $866,601
22 262 $23,026 $1,553 $21,473 $845,128
22 263 $23,026 $1,514 $21,512 $823,617
22 264 $23,026 $1,476 $21,550 $802,066
23 265 $23,026 $1,437 $21,589 $780,478
23 266 $23,026 $1,398 $21,627 $758,850
23 267 $23,026 $1,360 $21,666 $737,184
23 268 $23,026 $1,321 $21,705 $715,479
23 269 $23,026 $1,282 $21,744 $693,735
23 270 $23,026 $1,243 $21,783 $671,952
23 271 $23,026 $1,204 $21,822 $650,130
23 272 $23,026 $1,165 $21,861 $628,269
23 273 $23,026 $1,126 $21,900 $606,369
23 274 $23,026 $1,086 $21,939 $584,430
23 275 $23,026 $1,047 $21,979 $562,451
23 276 $23,026 $1,008 $22,018 $540,433
24 277 $23,026 $968 $22,058 $518,375
24 278 $23,026 $929 $22,097 $496,278
24 279 $23,026 $889 $22,137 $474,142
24 280 $23,026 $850 $22,176 $451,965
24 281 $23,026 $810 $22,216 $429,749
24 282 $23,026 $770 $22,256 $407,493
24 283 $23,026 $730 $22,296 $385,198
24 284 $23,026 $690 $22,336 $362,862
24 285 $23,026 $650 $22,376 $340,486
24 286 $23,026 $610 $22,416 $318,071
24 287 $23,026 $570 $22,456 $295,615
24 288 $23,026 $530 $22,496 $273,119
25 289 $23,026 $489 $22,536 $250,582
25 290 $23,026 $449 $22,577 $228,005
25 291 $23,026 $409 $22,617 $205,388
25 292 $23,026 $368 $22,658 $182,730
25 293 $23,026 $327 $22,698 $160,032
25 294 $23,026 $287 $22,739 $137,293
25 295 $23,026 $246 $22,780 $114,513
25 296 $23,026 $205 $22,821 $91,692
25 297 $23,026 $164 $22,862 $68,831
25 298 $23,026 $123 $22,902 $45,928
25 299 $23,026 $82 $22,944 $22,985
25 300 $23,026 $41 $22,985 $0