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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$ 2,840,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,911,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,840,000
 
Monthly Repayment (HKD)
$18,369
Loan Amount (HKD)
$4,260,000
+
Total Interest (HKD)
$1,250,671
=
Total Repayment (HKD)
$5,510,671
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $18,369 $7,633 $10,736 $4,249,264
1 2 $18,369 $7,613 $10,756 $4,238,508
1 3 $18,369 $7,594 $10,775 $4,227,733
1 4 $18,369 $7,575 $10,794 $4,216,939
1 5 $18,369 $7,555 $10,814 $4,206,125
1 6 $18,369 $7,536 $10,833 $4,195,292
1 7 $18,369 $7,517 $10,852 $4,184,440
1 8 $18,369 $7,497 $10,872 $4,173,568
1 9 $18,369 $7,478 $10,891 $4,162,677
1 10 $18,369 $7,458 $10,911 $4,151,766
1 11 $18,369 $7,439 $10,930 $4,140,836
1 12 $18,369 $7,419 $10,950 $4,129,886
2 13 $18,369 $7,399 $10,970 $4,118,916
2 14 $18,369 $7,380 $10,989 $4,107,927
2 15 $18,369 $7,360 $11,009 $4,096,918
2 16 $18,369 $7,340 $11,029 $4,085,890
2 17 $18,369 $7,321 $11,048 $4,074,841
2 18 $18,369 $7,301 $11,068 $4,063,773
2 19 $18,369 $7,281 $11,088 $4,052,685
2 20 $18,369 $7,261 $11,108 $4,041,577
2 21 $18,369 $7,241 $11,128 $4,030,450
2 22 $18,369 $7,221 $11,148 $4,019,302
2 23 $18,369 $7,201 $11,168 $4,008,134
2 24 $18,369 $7,181 $11,188 $3,996,947
3 25 $18,369 $7,161 $11,208 $3,985,739
3 26 $18,369 $7,141 $11,228 $3,974,511
3 27 $18,369 $7,121 $11,248 $3,963,263
3 28 $18,369 $7,101 $11,268 $3,951,995
3 29 $18,369 $7,081 $11,288 $3,940,707
3 30 $18,369 $7,060 $11,308 $3,929,399
3 31 $18,369 $7,040 $11,329 $3,918,070
3 32 $18,369 $7,020 $11,349 $3,906,721
3 33 $18,369 $7,000 $11,369 $3,895,351
3 34 $18,369 $6,979 $11,390 $3,883,962
3 35 $18,369 $6,959 $11,410 $3,872,552
3 36 $18,369 $6,938 $11,431 $3,861,121
4 37 $18,369 $6,918 $11,451 $3,849,670
4 38 $18,369 $6,897 $11,472 $3,838,198
4 39 $18,369 $6,877 $11,492 $3,826,706
4 40 $18,369 $6,856 $11,513 $3,815,194
4 41 $18,369 $6,836 $11,533 $3,803,660
4 42 $18,369 $6,815 $11,554 $3,792,106
4 43 $18,369 $6,794 $11,575 $3,780,531
4 44 $18,369 $6,773 $11,595 $3,768,936
4 45 $18,369 $6,753 $11,616 $3,757,320
4 46 $18,369 $6,732 $11,637 $3,745,683
4 47 $18,369 $6,711 $11,658 $3,734,025
4 48 $18,369 $6,690 $11,679 $3,722,346
5 49 $18,369 $6,669 $11,700 $3,710,646
5 50 $18,369 $6,648 $11,721 $3,698,926
5 51 $18,369 $6,627 $11,742 $3,687,184
5 52 $18,369 $6,606 $11,763 $3,675,421
5 53 $18,369 $6,585 $11,784 $3,663,638
5 54 $18,369 $6,564 $11,805 $3,651,833
5 55 $18,369 $6,543 $11,826 $3,640,007
5 56 $18,369 $6,522 $11,847 $3,628,159
5 57 $18,369 $6,500 $11,868 $3,616,291
5 58 $18,369 $6,479 $11,890 $3,604,401
5 59 $18,369 $6,458 $11,911 $3,592,490
5 60 $18,369 $6,437 $11,932 $3,580,558
6 61 $18,369 $6,415 $11,954 $3,568,604
6 62 $18,369 $6,394 $11,975 $3,556,629
6 63 $18,369 $6,372 $11,997 $3,544,632
6 64 $18,369 $6,351 $12,018 $3,532,614
6 65 $18,369 $6,329 $12,040 $3,520,575
6 66 $18,369 $6,308 $12,061 $3,508,513
6 67 $18,369 $6,286 $12,083 $3,496,431
6 68 $18,369 $6,264 $12,104 $3,484,326
6 69 $18,369 $6,243 $12,126 $3,472,200
6 70 $18,369 $6,221 $12,148 $3,460,052
6 71 $18,369 $6,199 $12,170 $3,447,882
6 72 $18,369 $6,177 $12,191 $3,435,691
7 73 $18,369 $6,156 $12,213 $3,423,478
7 74 $18,369 $6,134 $12,235 $3,411,243
7 75 $18,369 $6,112 $12,257 $3,398,985
7 76 $18,369 $6,090 $12,279 $3,386,706
7 77 $18,369 $6,068 $12,301 $3,374,405
7 78 $18,369 $6,046 $12,323 $3,362,082
7 79 $18,369 $6,024 $12,345 $3,349,737
7 80 $18,369 $6,002 $12,367 $3,337,370
7 81 $18,369 $5,979 $12,389 $3,324,980
7 82 $18,369 $5,957 $12,412 $3,312,569
7 83 $18,369 $5,935 $12,434 $3,300,135
7 84 $18,369 $5,913 $12,456 $3,287,679
8 85 $18,369 $5,890 $12,478 $3,275,200
8 86 $18,369 $5,868 $12,501 $3,262,699
8 87 $18,369 $5,846 $12,523 $3,250,176
8 88 $18,369 $5,823 $12,546 $3,237,630
8 89 $18,369 $5,801 $12,568 $3,225,062
8 90 $18,369 $5,778 $12,591 $3,212,472
8 91 $18,369 $5,756 $12,613 $3,199,858
8 92 $18,369 $5,733 $12,636 $3,187,223
8 93 $18,369 $5,710 $12,658 $3,174,564
8 94 $18,369 $5,688 $12,681 $3,161,883
8 95 $18,369 $5,665 $12,704 $3,149,179
8 96 $18,369 $5,642 $12,727 $3,136,453
9 97 $18,369 $5,619 $12,749 $3,123,703
9 98 $18,369 $5,597 $12,772 $3,110,931
9 99 $18,369 $5,574 $12,795 $3,098,136
9 100 $18,369 $5,551 $12,818 $3,085,318
9 101 $18,369 $5,528 $12,841 $3,072,477
9 102 $18,369 $5,505 $12,864 $3,059,613
9 103 $18,369 $5,482 $12,887 $3,046,725
9 104 $18,369 $5,459 $12,910 $3,033,815
9 105 $18,369 $5,436 $12,933 $3,020,882
9 106 $18,369 $5,412 $12,956 $3,007,925
9 107 $18,369 $5,389 $12,980 $2,994,946
9 108 $18,369 $5,366 $13,003 $2,981,943
10 109 $18,369 $5,343 $13,026 $2,968,916
10 110 $18,369 $5,319 $13,050 $2,955,867
10 111 $18,369 $5,296 $13,073 $2,942,794
10 112 $18,369 $5,273 $13,096 $2,929,698
10 113 $18,369 $5,249 $13,120 $2,916,578
10 114 $18,369 $5,226 $13,143 $2,903,434
10 115 $18,369 $5,202 $13,167 $2,890,267
10 116 $18,369 $5,178 $13,191 $2,877,077
10 117 $18,369 $5,155 $13,214 $2,863,863
10 118 $18,369 $5,131 $13,238 $2,850,625
10 119 $18,369 $5,107 $13,262 $2,837,363
10 120 $18,369 $5,084 $13,285 $2,824,078
11 121 $18,369 $5,060 $13,309 $2,810,769
11 122 $18,369 $5,036 $13,333 $2,797,436
11 123 $18,369 $5,012 $13,357 $2,784,079
11 124 $18,369 $4,988 $13,381 $2,770,698
11 125 $18,369 $4,964 $13,405 $2,757,294
11 126 $18,369 $4,940 $13,429 $2,743,865
11 127 $18,369 $4,916 $13,453 $2,730,412
11 128 $18,369 $4,892 $13,477 $2,716,935
11 129 $18,369 $4,868 $13,501 $2,703,434
11 130 $18,369 $4,844 $13,525 $2,689,909
11 131 $18,369 $4,819 $13,549 $2,676,359
11 132 $18,369 $4,795 $13,574 $2,662,786
12 133 $18,369 $4,771 $13,598 $2,649,188
12 134 $18,369 $4,746 $13,622 $2,635,565
12 135 $18,369 $4,722 $13,647 $2,621,918
12 136 $18,369 $4,698 $13,671 $2,608,247
12 137 $18,369 $4,673 $13,696 $2,594,551
12 138 $18,369 $4,649 $13,720 $2,580,831
12 139 $18,369 $4,624 $13,745 $2,567,086
12 140 $18,369 $4,599 $13,770 $2,553,316
12 141 $18,369 $4,575 $13,794 $2,539,522
12 142 $18,369 $4,550 $13,819 $2,525,703
12 143 $18,369 $4,525 $13,844 $2,511,860
12 144 $18,369 $4,500 $13,868 $2,497,991
13 145 $18,369 $4,476 $13,893 $2,484,098
13 146 $18,369 $4,451 $13,918 $2,470,180
13 147 $18,369 $4,426 $13,943 $2,456,236
13 148 $18,369 $4,401 $13,968 $2,442,268
13 149 $18,369 $4,376 $13,993 $2,428,275
13 150 $18,369 $4,351 $14,018 $2,414,257
13 151 $18,369 $4,326 $14,043 $2,400,213
13 152 $18,369 $4,300 $14,069 $2,386,145
13 153 $18,369 $4,275 $14,094 $2,372,051
13 154 $18,369 $4,250 $14,119 $2,357,932
13 155 $18,369 $4,225 $14,144 $2,343,788
13 156 $18,369 $4,199 $14,170 $2,329,618
14 157 $18,369 $4,174 $14,195 $2,315,423
14 158 $18,369 $4,148 $14,220 $2,301,203
14 159 $18,369 $4,123 $14,246 $2,286,957
14 160 $18,369 $4,097 $14,271 $2,272,686
14 161 $18,369 $4,072 $14,297 $2,258,389
14 162 $18,369 $4,046 $14,323 $2,244,066
14 163 $18,369 $4,021 $14,348 $2,229,718
14 164 $18,369 $3,995 $14,374 $2,215,344
14 165 $18,369 $3,969 $14,400 $2,200,944
14 166 $18,369 $3,943 $14,426 $2,186,518
14 167 $18,369 $3,918 $14,451 $2,172,067
14 168 $18,369 $3,892 $14,477 $2,157,590
15 169 $18,369 $3,866 $14,503 $2,143,086
15 170 $18,369 $3,840 $14,529 $2,128,557
15 171 $18,369 $3,814 $14,555 $2,114,002
15 172 $18,369 $3,788 $14,581 $2,099,421
15 173 $18,369 $3,761 $14,607 $2,084,813
15 174 $18,369 $3,735 $14,634 $2,070,180
15 175 $18,369 $3,709 $14,660 $2,055,520
15 176 $18,369 $3,683 $14,686 $2,040,834
15 177 $18,369 $3,656 $14,712 $2,026,121
15 178 $18,369 $3,630 $14,739 $2,011,383
15 179 $18,369 $3,604 $14,765 $1,996,617
15 180 $18,369 $3,577 $14,792 $1,981,826
16 181 $18,369 $3,551 $14,818 $1,967,008
16 182 $18,369 $3,524 $14,845 $1,952,163
16 183 $18,369 $3,498 $14,871 $1,937,292
16 184 $18,369 $3,471 $14,898 $1,922,394
16 185 $18,369 $3,444 $14,925 $1,907,469
16 186 $18,369 $3,418 $14,951 $1,892,518
16 187 $18,369 $3,391 $14,978 $1,877,540
16 188 $18,369 $3,364 $15,005 $1,862,535
16 189 $18,369 $3,337 $15,032 $1,847,503
16 190 $18,369 $3,310 $15,059 $1,832,444
16 191 $18,369 $3,283 $15,086 $1,817,358
16 192 $18,369 $3,256 $15,113 $1,802,245
17 193 $18,369 $3,229 $15,140 $1,787,106
17 194 $18,369 $3,202 $15,167 $1,771,939
17 195 $18,369 $3,175 $15,194 $1,756,744
17 196 $18,369 $3,148 $15,221 $1,741,523
17 197 $18,369 $3,120 $15,249 $1,726,274
17 198 $18,369 $3,093 $15,276 $1,710,998
17 199 $18,369 $3,066 $15,303 $1,695,695
17 200 $18,369 $3,038 $15,331 $1,680,364
17 201 $18,369 $3,011 $15,358 $1,665,006
17 202 $18,369 $2,983 $15,386 $1,649,620
17 203 $18,369 $2,956 $15,413 $1,634,207
17 204 $18,369 $2,928 $15,441 $1,618,766
18 205 $18,369 $2,900 $15,469 $1,603,297
18 206 $18,369 $2,873 $15,496 $1,587,801
18 207 $18,369 $2,845 $15,524 $1,572,277
18 208 $18,369 $2,817 $15,552 $1,556,725
18 209 $18,369 $2,789 $15,580 $1,541,145
18 210 $18,369 $2,761 $15,608 $1,525,537
18 211 $18,369 $2,733 $15,636 $1,509,902
18 212 $18,369 $2,705 $15,664 $1,494,238
18 213 $18,369 $2,677 $15,692 $1,478,546
18 214 $18,369 $2,649 $15,720 $1,462,827
18 215 $18,369 $2,621 $15,748 $1,447,079
18 216 $18,369 $2,593 $15,776 $1,431,302
19 217 $18,369 $2,564 $15,804 $1,415,498
19 218 $18,369 $2,536 $15,833 $1,399,665
19 219 $18,369 $2,508 $15,861 $1,383,804
19 220 $18,369 $2,479 $15,890 $1,367,914
19 221 $18,369 $2,451 $15,918 $1,351,996
19 222 $18,369 $2,422 $15,947 $1,336,050
19 223 $18,369 $2,394 $15,975 $1,320,075
19 224 $18,369 $2,365 $16,004 $1,304,071
19 225 $18,369 $2,336 $16,032 $1,288,038
19 226 $18,369 $2,308 $16,061 $1,271,977
19 227 $18,369 $2,279 $16,090 $1,255,887
19 228 $18,369 $2,250 $16,119 $1,239,768
20 229 $18,369 $2,221 $16,148 $1,223,621
20 230 $18,369 $2,192 $16,177 $1,207,444
20 231 $18,369 $2,163 $16,206 $1,191,239
20 232 $18,369 $2,134 $16,235 $1,175,004
20 233 $18,369 $2,105 $16,264 $1,158,740
20 234 $18,369 $2,076 $16,293 $1,142,448
20 235 $18,369 $2,047 $16,322 $1,126,125
20 236 $18,369 $2,018 $16,351 $1,109,774
20 237 $18,369 $1,988 $16,381 $1,093,394
20 238 $18,369 $1,959 $16,410 $1,076,984
20 239 $18,369 $1,930 $16,439 $1,060,544
20 240 $18,369 $1,900 $16,469 $1,044,076
21 241 $18,369 $1,871 $16,498 $1,027,577
21 242 $18,369 $1,841 $16,528 $1,011,050
21 243 $18,369 $1,811 $16,557 $994,492
21 244 $18,369 $1,782 $16,587 $977,905
21 245 $18,369 $1,752 $16,617 $961,288
21 246 $18,369 $1,722 $16,647 $944,642
21 247 $18,369 $1,692 $16,676 $927,965
21 248 $18,369 $1,663 $16,706 $911,259
21 249 $18,369 $1,633 $16,736 $894,523
21 250 $18,369 $1,603 $16,766 $877,756
21 251 $18,369 $1,573 $16,796 $860,960
21 252 $18,369 $1,543 $16,826 $844,134
22 253 $18,369 $1,512 $16,856 $827,277
22 254 $18,369 $1,482 $16,887 $810,391
22 255 $18,369 $1,452 $16,917 $793,474
22 256 $18,369 $1,422 $16,947 $776,526
22 257 $18,369 $1,391 $16,978 $759,549
22 258 $18,369 $1,361 $17,008 $742,541
22 259 $18,369 $1,330 $17,039 $725,502
22 260 $18,369 $1,300 $17,069 $708,433
22 261 $18,369 $1,269 $17,100 $691,334
22 262 $18,369 $1,239 $17,130 $674,203
22 263 $18,369 $1,208 $17,161 $657,042
22 264 $18,369 $1,177 $17,192 $639,851
23 265 $18,369 $1,146 $17,223 $622,628
23 266 $18,369 $1,116 $17,253 $605,375
23 267 $18,369 $1,085 $17,284 $588,091
23 268 $18,369 $1,054 $17,315 $570,775
23 269 $18,369 $1,023 $17,346 $553,429
23 270 $18,369 $992 $17,377 $536,052
23 271 $18,369 $960 $17,408 $518,643
23 272 $18,369 $929 $17,440 $501,204
23 273 $18,369 $898 $17,471 $483,733
23 274 $18,369 $867 $17,502 $466,230
23 275 $18,369 $835 $17,534 $448,697
23 276 $18,369 $804 $17,565 $431,132
24 277 $18,369 $772 $17,596 $413,535
24 278 $18,369 $741 $17,628 $395,907
24 279 $18,369 $709 $17,660 $378,248
24 280 $18,369 $678 $17,691 $360,557
24 281 $18,369 $646 $17,723 $342,834
24 282 $18,369 $614 $17,755 $325,079
24 283 $18,369 $582 $17,786 $307,293
24 284 $18,369 $551 $17,818 $289,474
24 285 $18,369 $519 $17,850 $271,624
24 286 $18,369 $487 $17,882 $253,742
24 287 $18,369 $455 $17,914 $235,827
24 288 $18,369 $423 $17,946 $217,881
25 289 $18,369 $390 $17,979 $199,903
25 290 $18,369 $358 $18,011 $181,892
25 291 $18,369 $326 $18,043 $163,849
25 292 $18,369 $294 $18,075 $145,773
25 293 $18,369 $261 $18,108 $127,666
25 294 $18,369 $229 $18,140 $109,526
25 295 $18,369 $196 $18,173 $91,353
25 296 $18,369 $164 $18,205 $73,148
25 297 $18,369 $131 $18,238 $54,910
25 298 $18,369 $98 $18,271 $36,639
25 299 $18,369 $66 $18,303 $18,336
25 300 $18,369 $33 $18,336 $0