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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$ 2,040,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,091,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,040,000
 
Monthly Repayment (HKD)
$13,195
Loan Amount (HKD)
$3,060,000
+
Total Interest (HKD)
$898,369
=
Total Repayment (HKD)
$3,958,369
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $13,195 $5,483 $7,712 $3,052,288
1 2 $13,195 $5,469 $7,726 $3,044,562
1 3 $13,195 $5,455 $7,740 $3,036,822
1 4 $13,195 $5,441 $7,754 $3,029,069
1 5 $13,195 $5,427 $7,767 $3,021,301
1 6 $13,195 $5,413 $7,781 $3,013,520
1 7 $13,195 $5,399 $7,795 $3,005,725
1 8 $13,195 $5,385 $7,809 $2,997,915
1 9 $13,195 $5,371 $7,823 $2,990,092
1 10 $13,195 $5,357 $7,837 $2,982,255
1 11 $13,195 $5,343 $7,851 $2,974,403
1 12 $13,195 $5,329 $7,865 $2,966,538
2 13 $13,195 $5,315 $7,880 $2,958,658
2 14 $13,195 $5,301 $7,894 $2,950,765
2 15 $13,195 $5,287 $7,908 $2,942,857
2 16 $13,195 $5,273 $7,922 $2,934,935
2 17 $13,195 $5,258 $7,936 $2,926,999
2 18 $13,195 $5,244 $7,950 $2,919,048
2 19 $13,195 $5,230 $7,965 $2,911,084
2 20 $13,195 $5,216 $7,979 $2,903,105
2 21 $13,195 $5,201 $7,993 $2,895,112
2 22 $13,195 $5,187 $8,007 $2,887,104
2 23 $13,195 $5,173 $8,022 $2,879,082
2 24 $13,195 $5,158 $8,036 $2,871,046
3 25 $13,195 $5,144 $8,051 $2,862,996
3 26 $13,195 $5,130 $8,065 $2,854,931
3 27 $13,195 $5,115 $8,079 $2,846,851
3 28 $13,195 $5,101 $8,094 $2,838,757
3 29 $13,195 $5,086 $8,108 $2,830,649
3 30 $13,195 $5,072 $8,123 $2,822,526
3 31 $13,195 $5,057 $8,138 $2,814,388
3 32 $13,195 $5,042 $8,152 $2,806,236
3 33 $13,195 $5,028 $8,167 $2,798,069
3 34 $13,195 $5,013 $8,181 $2,789,888
3 35 $13,195 $4,999 $8,196 $2,781,692
3 36 $13,195 $4,984 $8,211 $2,773,481
4 37 $13,195 $4,969 $8,225 $2,765,256
4 38 $13,195 $4,954 $8,240 $2,757,016
4 39 $13,195 $4,940 $8,255 $2,748,761
4 40 $13,195 $4,925 $8,270 $2,740,491
4 41 $13,195 $4,910 $8,285 $2,732,207
4 42 $13,195 $4,895 $8,299 $2,723,907
4 43 $13,195 $4,880 $8,314 $2,715,593
4 44 $13,195 $4,865 $8,329 $2,707,264
4 45 $13,195 $4,851 $8,344 $2,698,920
4 46 $13,195 $4,836 $8,359 $2,690,561
4 47 $13,195 $4,821 $8,374 $2,682,187
4 48 $13,195 $4,806 $8,389 $2,673,798
5 49 $13,195 $4,791 $8,404 $2,665,394
5 50 $13,195 $4,775 $8,419 $2,656,975
5 51 $13,195 $4,760 $8,434 $2,648,541
5 52 $13,195 $4,745 $8,449 $2,640,091
5 53 $13,195 $4,730 $8,464 $2,631,627
5 54 $13,195 $4,715 $8,480 $2,623,147
5 55 $13,195 $4,700 $8,495 $2,614,653
5 56 $13,195 $4,685 $8,510 $2,606,143
5 57 $13,195 $4,669 $8,525 $2,597,617
5 58 $13,195 $4,654 $8,540 $2,589,077
5 59 $13,195 $4,639 $8,556 $2,580,521
5 60 $13,195 $4,623 $8,571 $2,571,950
6 61 $13,195 $4,608 $8,586 $2,563,364
6 62 $13,195 $4,593 $8,602 $2,554,762
6 63 $13,195 $4,577 $8,617 $2,546,144
6 64 $13,195 $4,562 $8,633 $2,537,512
6 65 $13,195 $4,546 $8,648 $2,528,863
6 66 $13,195 $4,531 $8,664 $2,520,200
6 67 $13,195 $4,515 $8,679 $2,511,521
6 68 $13,195 $4,500 $8,695 $2,502,826
6 69 $13,195 $4,484 $8,710 $2,494,116
6 70 $13,195 $4,469 $8,726 $2,485,390
6 71 $13,195 $4,453 $8,742 $2,476,648
6 72 $13,195 $4,437 $8,757 $2,467,891
7 73 $13,195 $4,422 $8,773 $2,459,118
7 74 $13,195 $4,406 $8,789 $2,450,329
7 75 $13,195 $4,390 $8,804 $2,441,525
7 76 $13,195 $4,374 $8,820 $2,432,705
7 77 $13,195 $4,359 $8,836 $2,423,869
7 78 $13,195 $4,343 $8,852 $2,415,017
7 79 $13,195 $4,327 $8,868 $2,406,149
7 80 $13,195 $4,311 $8,884 $2,397,266
7 81 $13,195 $4,295 $8,899 $2,388,366
7 82 $13,195 $4,279 $8,915 $2,379,451
7 83 $13,195 $4,263 $8,931 $2,370,519
7 84 $13,195 $4,247 $8,947 $2,361,572
8 85 $13,195 $4,231 $8,963 $2,352,609
8 86 $13,195 $4,215 $8,979 $2,343,629
8 87 $13,195 $4,199 $8,996 $2,334,634
8 88 $13,195 $4,183 $9,012 $2,325,622
8 89 $13,195 $4,167 $9,028 $2,316,594
8 90 $13,195 $4,151 $9,044 $2,307,550
8 91 $13,195 $4,134 $9,060 $2,298,490
8 92 $13,195 $4,118 $9,076 $2,289,413
8 93 $13,195 $4,102 $9,093 $2,280,321
8 94 $13,195 $4,086 $9,109 $2,271,212
8 95 $13,195 $4,069 $9,125 $2,262,086
8 96 $13,195 $4,053 $9,142 $2,252,945
9 97 $13,195 $4,037 $9,158 $2,243,787
9 98 $13,195 $4,020 $9,174 $2,234,612
9 99 $13,195 $4,004 $9,191 $2,225,421
9 100 $13,195 $3,987 $9,207 $2,216,214
9 101 $13,195 $3,971 $9,224 $2,206,990
9 102 $13,195 $3,954 $9,240 $2,197,750
9 103 $13,195 $3,938 $9,257 $2,188,493
9 104 $13,195 $3,921 $9,274 $2,179,219
9 105 $13,195 $3,904 $9,290 $2,169,929
9 106 $13,195 $3,888 $9,307 $2,160,622
9 107 $13,195 $3,871 $9,323 $2,151,299
9 108 $13,195 $3,854 $9,340 $2,141,959
10 109 $13,195 $3,838 $9,357 $2,132,602
10 110 $13,195 $3,821 $9,374 $2,123,228
10 111 $13,195 $3,804 $9,390 $2,113,838
10 112 $13,195 $3,787 $9,407 $2,104,431
10 113 $13,195 $3,770 $9,424 $2,095,006
10 114 $13,195 $3,754 $9,441 $2,085,565
10 115 $13,195 $3,737 $9,458 $2,076,108
10 116 $13,195 $3,720 $9,475 $2,066,633
10 117 $13,195 $3,703 $9,492 $2,057,141
10 118 $13,195 $3,686 $9,509 $2,047,632
10 119 $13,195 $3,669 $9,526 $2,038,106
10 120 $13,195 $3,652 $9,543 $2,028,563
11 121 $13,195 $3,635 $9,560 $2,019,003
11 122 $13,195 $3,617 $9,577 $2,009,426
11 123 $13,195 $3,600 $9,594 $1,999,832
11 124 $13,195 $3,583 $9,612 $1,990,220
11 125 $13,195 $3,566 $9,629 $1,980,591
11 126 $13,195 $3,549 $9,646 $1,970,945
11 127 $13,195 $3,531 $9,663 $1,961,282
11 128 $13,195 $3,514 $9,681 $1,951,601
11 129 $13,195 $3,497 $9,698 $1,941,903
11 130 $13,195 $3,479 $9,715 $1,932,188
11 131 $13,195 $3,462 $9,733 $1,922,455
11 132 $13,195 $3,444 $9,750 $1,912,705
12 133 $13,195 $3,427 $9,768 $1,902,938
12 134 $13,195 $3,409 $9,785 $1,893,152
12 135 $13,195 $3,392 $9,803 $1,883,350
12 136 $13,195 $3,374 $9,820 $1,873,530
12 137 $13,195 $3,357 $9,838 $1,863,692
12 138 $13,195 $3,339 $9,855 $1,853,836
12 139 $13,195 $3,321 $9,873 $1,843,963
12 140 $13,195 $3,304 $9,891 $1,834,072
12 141 $13,195 $3,286 $9,909 $1,824,164
12 142 $13,195 $3,268 $9,926 $1,814,238
12 143 $13,195 $3,251 $9,944 $1,804,294
12 144 $13,195 $3,233 $9,962 $1,794,332
13 145 $13,195 $3,215 $9,980 $1,784,352
13 146 $13,195 $3,197 $9,998 $1,774,354
13 147 $13,195 $3,179 $10,016 $1,764,339
13 148 $13,195 $3,161 $10,033 $1,754,305
13 149 $13,195 $3,143 $10,051 $1,744,254
13 150 $13,195 $3,125 $10,069 $1,734,184
13 151 $13,195 $3,107 $10,087 $1,724,097
13 152 $13,195 $3,089 $10,106 $1,713,991
13 153 $13,195 $3,071 $10,124 $1,703,868
13 154 $13,195 $3,053 $10,142 $1,693,726
13 155 $13,195 $3,035 $10,160 $1,683,566
13 156 $13,195 $3,016 $10,178 $1,673,388
14 157 $13,195 $2,998 $10,196 $1,663,191
14 158 $13,195 $2,980 $10,215 $1,652,977
14 159 $13,195 $2,962 $10,233 $1,642,744
14 160 $13,195 $2,943 $10,251 $1,632,492
14 161 $13,195 $2,925 $10,270 $1,622,223
14 162 $13,195 $2,906 $10,288 $1,611,935
14 163 $13,195 $2,888 $10,307 $1,601,628
14 164 $13,195 $2,870 $10,325 $1,591,303
14 165 $13,195 $2,851 $10,343 $1,580,960
14 166 $13,195 $2,833 $10,362 $1,570,598
14 167 $13,195 $2,814 $10,381 $1,560,217
14 168 $13,195 $2,795 $10,399 $1,549,818
15 169 $13,195 $2,777 $10,418 $1,539,400
15 170 $13,195 $2,758 $10,436 $1,528,964
15 171 $13,195 $2,739 $10,455 $1,518,509
15 172 $13,195 $2,721 $10,474 $1,508,035
15 173 $13,195 $2,702 $10,493 $1,497,542
15 174 $13,195 $2,683 $10,511 $1,487,030
15 175 $13,195 $2,664 $10,530 $1,476,500
15 176 $13,195 $2,645 $10,549 $1,465,951
15 177 $13,195 $2,626 $10,568 $1,455,383
15 178 $13,195 $2,608 $10,587 $1,444,796
15 179 $13,195 $2,589 $10,606 $1,434,190
15 180 $13,195 $2,570 $10,625 $1,423,565
16 181 $13,195 $2,551 $10,644 $1,412,921
16 182 $13,195 $2,531 $10,663 $1,402,258
16 183 $13,195 $2,512 $10,682 $1,391,576
16 184 $13,195 $2,493 $10,701 $1,380,874
16 185 $13,195 $2,474 $10,720 $1,370,154
16 186 $13,195 $2,455 $10,740 $1,359,414
16 187 $13,195 $2,436 $10,759 $1,348,655
16 188 $13,195 $2,416 $10,778 $1,337,877
16 189 $13,195 $2,397 $10,798 $1,327,079
16 190 $13,195 $2,378 $10,817 $1,316,263
16 191 $13,195 $2,358 $10,836 $1,305,426
16 192 $13,195 $2,339 $10,856 $1,294,571
17 193 $13,195 $2,319 $10,875 $1,283,696
17 194 $13,195 $2,300 $10,895 $1,272,801
17 195 $13,195 $2,280 $10,914 $1,261,887
17 196 $13,195 $2,261 $10,934 $1,250,953
17 197 $13,195 $2,241 $10,953 $1,240,000
17 198 $13,195 $2,222 $10,973 $1,229,027
17 199 $13,195 $2,202 $10,993 $1,218,034
17 200 $13,195 $2,182 $11,012 $1,207,022
17 201 $13,195 $2,163 $11,032 $1,195,990
17 202 $13,195 $2,143 $11,052 $1,184,938
17 203 $13,195 $2,123 $11,072 $1,173,867
17 204 $13,195 $2,103 $11,091 $1,162,775
18 205 $13,195 $2,083 $11,111 $1,151,664
18 206 $13,195 $2,063 $11,131 $1,140,533
18 207 $13,195 $2,043 $11,151 $1,129,382
18 208 $13,195 $2,023 $11,171 $1,118,211
18 209 $13,195 $2,003 $11,191 $1,107,020
18 210 $13,195 $1,983 $11,211 $1,095,809
18 211 $13,195 $1,963 $11,231 $1,084,577
18 212 $13,195 $1,943 $11,251 $1,073,326
18 213 $13,195 $1,923 $11,272 $1,062,054
18 214 $13,195 $1,903 $11,292 $1,050,763
18 215 $13,195 $1,883 $11,312 $1,039,451
18 216 $13,195 $1,862 $11,332 $1,028,119
19 217 $13,195 $1,842 $11,353 $1,016,766
19 218 $13,195 $1,822 $11,373 $1,005,393
19 219 $13,195 $1,801 $11,393 $994,000
19 220 $13,195 $1,781 $11,414 $982,586
19 221 $13,195 $1,760 $11,434 $971,152
19 222 $13,195 $1,740 $11,455 $959,698
19 223 $13,195 $1,719 $11,475 $948,223
19 224 $13,195 $1,699 $11,496 $936,727
19 225 $13,195 $1,678 $11,516 $925,211
19 226 $13,195 $1,658 $11,537 $913,674
19 227 $13,195 $1,637 $11,558 $902,116
19 228 $13,195 $1,616 $11,578 $890,538
20 229 $13,195 $1,596 $11,599 $878,939
20 230 $13,195 $1,575 $11,620 $867,319
20 231 $13,195 $1,554 $11,641 $855,678
20 232 $13,195 $1,533 $11,661 $844,017
20 233 $13,195 $1,512 $11,682 $832,335
20 234 $13,195 $1,491 $11,703 $820,631
20 235 $13,195 $1,470 $11,724 $808,907
20 236 $13,195 $1,449 $11,745 $797,162
20 237 $13,195 $1,428 $11,766 $785,395
20 238 $13,195 $1,407 $11,787 $773,608
20 239 $13,195 $1,386 $11,809 $761,800
20 240 $13,195 $1,365 $11,830 $749,970
21 241 $13,195 $1,344 $11,851 $738,119
21 242 $13,195 $1,322 $11,872 $726,247
21 243 $13,195 $1,301 $11,893 $714,354
21 244 $13,195 $1,280 $11,915 $702,439
21 245 $13,195 $1,259 $11,936 $690,503
21 246 $13,195 $1,237 $11,957 $678,545
21 247 $13,195 $1,216 $11,979 $666,567
21 248 $13,195 $1,194 $12,000 $654,566
21 249 $13,195 $1,173 $12,022 $642,544
21 250 $13,195 $1,151 $12,043 $630,501
21 251 $13,195 $1,130 $12,065 $618,436
21 252 $13,195 $1,108 $12,087 $606,350
22 253 $13,195 $1,086 $12,108 $594,241
22 254 $13,195 $1,065 $12,130 $582,112
22 255 $13,195 $1,043 $12,152 $569,960
22 256 $13,195 $1,021 $12,173 $557,787
22 257 $13,195 $999 $12,195 $545,591
22 258 $13,195 $978 $12,217 $533,374
22 259 $13,195 $956 $12,239 $521,135
22 260 $13,195 $934 $12,261 $508,875
22 261 $13,195 $912 $12,283 $496,592
22 262 $13,195 $890 $12,305 $484,287
22 263 $13,195 $868 $12,327 $471,960
22 264 $13,195 $846 $12,349 $459,611
23 265 $13,195 $823 $12,371 $447,240
23 266 $13,195 $801 $12,393 $434,847
23 267 $13,195 $779 $12,415 $422,431
23 268 $13,195 $757 $12,438 $409,994
23 269 $13,195 $735 $12,460 $397,534
23 270 $13,195 $712 $12,482 $385,051
23 271 $13,195 $690 $12,505 $372,547
23 272 $13,195 $667 $12,527 $360,019
23 273 $13,195 $645 $12,550 $347,470
23 274 $13,195 $623 $12,572 $334,898
23 275 $13,195 $600 $12,595 $322,303
23 276 $13,195 $577 $12,617 $309,686
24 277 $13,195 $555 $12,640 $297,047
24 278 $13,195 $532 $12,662 $284,384
24 279 $13,195 $510 $12,685 $271,699
24 280 $13,195 $487 $12,708 $258,991
24 281 $13,195 $464 $12,731 $246,261
24 282 $13,195 $441 $12,753 $233,508
24 283 $13,195 $418 $12,776 $220,731
24 284 $13,195 $395 $12,799 $207,932
24 285 $13,195 $373 $12,822 $195,110
24 286 $13,195 $350 $12,845 $182,265
24 287 $13,195 $327 $12,868 $169,397
24 288 $13,195 $304 $12,891 $156,506
25 289 $13,195 $280 $12,914 $143,592
25 290 $13,195 $257 $12,937 $130,655
25 291 $13,195 $234 $12,960 $117,694
25 292 $13,195 $211 $12,984 $104,711
25 293 $13,195 $188 $13,007 $91,704
25 294 $13,195 $164 $13,030 $78,673
25 295 $13,195 $141 $13,054 $65,620
25 296 $13,195 $118 $13,077 $52,543
25 297 $13,195 $94 $13,100 $39,442
25 298 $13,195 $71 $13,124 $26,318
25 299 $13,195 $47 $13,147 $13,171
25 300 $13,195 $24 $13,171 $0