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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$ 2,915,200
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,988,080
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,915,200
 
Monthly Repayment (HKD)
$18,855
Loan Amount (HKD)
$4,372,800
+
Total Interest (HKD)
$1,283,787
=
Total Repayment (HKD)
$5,656,587
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $18,855 $7,835 $11,021 $4,361,779
1 2 $18,855 $7,815 $11,040 $4,350,739
1 3 $18,855 $7,795 $11,060 $4,339,679
1 4 $18,855 $7,775 $11,080 $4,328,599
1 5 $18,855 $7,755 $11,100 $4,317,499
1 6 $18,855 $7,736 $11,120 $4,306,379
1 7 $18,855 $7,716 $11,140 $4,295,239
1 8 $18,855 $7,696 $11,160 $4,284,080
1 9 $18,855 $7,676 $11,180 $4,272,900
1 10 $18,855 $7,656 $11,200 $4,261,700
1 11 $18,855 $7,636 $11,220 $4,250,481
1 12 $18,855 $7,615 $11,240 $4,239,241
2 13 $18,855 $7,595 $11,260 $4,227,981
2 14 $18,855 $7,575 $11,280 $4,216,701
2 15 $18,855 $7,555 $11,300 $4,205,400
2 16 $18,855 $7,535 $11,321 $4,194,080
2 17 $18,855 $7,514 $11,341 $4,182,739
2 18 $18,855 $7,494 $11,361 $4,171,377
2 19 $18,855 $7,474 $11,382 $4,159,996
2 20 $18,855 $7,453 $11,402 $4,148,594
2 21 $18,855 $7,433 $11,422 $4,137,172
2 22 $18,855 $7,412 $11,443 $4,125,729
2 23 $18,855 $7,392 $11,463 $4,114,265
2 24 $18,855 $7,371 $11,484 $4,102,781
3 25 $18,855 $7,351 $11,504 $4,091,277
3 26 $18,855 $7,330 $11,525 $4,079,752
3 27 $18,855 $7,310 $11,546 $4,068,206
3 28 $18,855 $7,289 $11,566 $4,056,640
3 29 $18,855 $7,268 $11,587 $4,045,053
3 30 $18,855 $7,247 $11,608 $4,033,445
3 31 $18,855 $7,227 $11,629 $4,021,816
3 32 $18,855 $7,206 $11,650 $4,010,166
3 33 $18,855 $7,185 $11,670 $3,998,496
3 34 $18,855 $7,164 $11,691 $3,986,805
3 35 $18,855 $7,143 $11,712 $3,975,092
3 36 $18,855 $7,122 $11,733 $3,963,359
4 37 $18,855 $7,101 $11,754 $3,951,605
4 38 $18,855 $7,080 $11,775 $3,939,830
4 39 $18,855 $7,059 $11,796 $3,928,033
4 40 $18,855 $7,038 $11,818 $3,916,216
4 41 $18,855 $7,017 $11,839 $3,904,377
4 42 $18,855 $6,995 $11,860 $3,892,517
4 43 $18,855 $6,974 $11,881 $3,880,636
4 44 $18,855 $6,953 $11,902 $3,868,733
4 45 $18,855 $6,931 $11,924 $3,856,809
4 46 $18,855 $6,910 $11,945 $3,844,864
4 47 $18,855 $6,889 $11,967 $3,832,898
4 48 $18,855 $6,867 $11,988 $3,820,910
5 49 $18,855 $6,846 $12,009 $3,808,900
5 50 $18,855 $6,824 $12,031 $3,796,869
5 51 $18,855 $6,803 $12,053 $3,784,817
5 52 $18,855 $6,781 $12,074 $3,772,742
5 53 $18,855 $6,759 $12,096 $3,760,647
5 54 $18,855 $6,738 $12,117 $3,748,529
5 55 $18,855 $6,716 $12,139 $3,736,390
5 56 $18,855 $6,694 $12,161 $3,724,229
5 57 $18,855 $6,673 $12,183 $3,712,046
5 58 $18,855 $6,651 $12,205 $3,699,842
5 59 $18,855 $6,629 $12,226 $3,687,615
5 60 $18,855 $6,607 $12,248 $3,675,367
6 61 $18,855 $6,585 $12,270 $3,663,097
6 62 $18,855 $6,563 $12,292 $3,650,805
6 63 $18,855 $6,541 $12,314 $3,638,490
6 64 $18,855 $6,519 $12,336 $3,626,154
6 65 $18,855 $6,497 $12,358 $3,613,796
6 66 $18,855 $6,475 $12,381 $3,601,415
6 67 $18,855 $6,453 $12,403 $3,589,012
6 68 $18,855 $6,430 $12,425 $3,576,587
6 69 $18,855 $6,408 $12,447 $3,564,140
6 70 $18,855 $6,386 $12,470 $3,551,670
6 71 $18,855 $6,363 $12,492 $3,539,179
6 72 $18,855 $6,341 $12,514 $3,526,664
7 73 $18,855 $6,319 $12,537 $3,514,128
7 74 $18,855 $6,296 $12,559 $3,501,568
7 75 $18,855 $6,274 $12,582 $3,488,987
7 76 $18,855 $6,251 $12,604 $3,476,383
7 77 $18,855 $6,229 $12,627 $3,463,756
7 78 $18,855 $6,206 $12,649 $3,451,106
7 79 $18,855 $6,183 $12,672 $3,438,434
7 80 $18,855 $6,161 $12,695 $3,425,740
7 81 $18,855 $6,138 $12,718 $3,413,022
7 82 $18,855 $6,115 $12,740 $3,400,282
7 83 $18,855 $6,092 $12,763 $3,387,519
7 84 $18,855 $6,069 $12,786 $3,374,733
8 85 $18,855 $6,046 $12,809 $3,361,924
8 86 $18,855 $6,023 $12,832 $3,349,092
8 87 $18,855 $6,000 $12,855 $3,336,237
8 88 $18,855 $5,977 $12,878 $3,323,359
8 89 $18,855 $5,954 $12,901 $3,310,458
8 90 $18,855 $5,931 $12,924 $3,297,534
8 91 $18,855 $5,908 $12,947 $3,284,587
8 92 $18,855 $5,885 $12,970 $3,271,617
8 93 $18,855 $5,862 $12,994 $3,258,623
8 94 $18,855 $5,838 $13,017 $3,245,606
8 95 $18,855 $5,815 $13,040 $3,232,566
8 96 $18,855 $5,792 $13,064 $3,219,502
9 97 $18,855 $5,768 $13,087 $3,206,415
9 98 $18,855 $5,745 $13,110 $3,193,305
9 99 $18,855 $5,721 $13,134 $3,180,171
9 100 $18,855 $5,698 $13,157 $3,167,013
9 101 $18,855 $5,674 $13,181 $3,153,832
9 102 $18,855 $5,651 $13,205 $3,140,628
9 103 $18,855 $5,627 $13,228 $3,127,399
9 104 $18,855 $5,603 $13,252 $3,114,147
9 105 $18,855 $5,580 $13,276 $3,100,871
9 106 $18,855 $5,556 $13,300 $3,087,572
9 107 $18,855 $5,532 $13,323 $3,074,248
9 108 $18,855 $5,508 $13,347 $3,060,901
10 109 $18,855 $5,484 $13,371 $3,047,530
10 110 $18,855 $5,460 $13,395 $3,034,135
10 111 $18,855 $5,436 $13,419 $3,020,716
10 112 $18,855 $5,412 $13,443 $3,007,273
10 113 $18,855 $5,388 $13,467 $2,993,805
10 114 $18,855 $5,364 $13,491 $2,980,314
10 115 $18,855 $5,340 $13,516 $2,966,798
10 116 $18,855 $5,316 $13,540 $2,953,259
10 117 $18,855 $5,291 $13,564 $2,939,695
10 118 $18,855 $5,267 $13,588 $2,926,106
10 119 $18,855 $5,243 $13,613 $2,912,494
10 120 $18,855 $5,218 $13,637 $2,898,857
11 121 $18,855 $5,194 $13,662 $2,885,195
11 122 $18,855 $5,169 $13,686 $2,871,509
11 123 $18,855 $5,145 $13,711 $2,857,799
11 124 $18,855 $5,120 $13,735 $2,844,063
11 125 $18,855 $5,096 $13,760 $2,830,304
11 126 $18,855 $5,071 $13,784 $2,816,519
11 127 $18,855 $5,046 $13,809 $2,802,710
11 128 $18,855 $5,022 $13,834 $2,788,877
11 129 $18,855 $4,997 $13,859 $2,775,018
11 130 $18,855 $4,972 $13,883 $2,761,135
11 131 $18,855 $4,947 $13,908 $2,747,226
11 132 $18,855 $4,922 $13,933 $2,733,293
12 133 $18,855 $4,897 $13,958 $2,719,335
12 134 $18,855 $4,872 $13,983 $2,705,352
12 135 $18,855 $4,847 $14,008 $2,691,344
12 136 $18,855 $4,822 $14,033 $2,677,310
12 137 $18,855 $4,797 $14,058 $2,663,252
12 138 $18,855 $4,772 $14,084 $2,649,168
12 139 $18,855 $4,746 $14,109 $2,635,060
12 140 $18,855 $4,721 $14,134 $2,620,925
12 141 $18,855 $4,696 $14,159 $2,606,766
12 142 $18,855 $4,670 $14,185 $2,592,581
12 143 $18,855 $4,645 $14,210 $2,578,371
12 144 $18,855 $4,620 $14,236 $2,564,135
13 145 $18,855 $4,594 $14,261 $2,549,874
13 146 $18,855 $4,569 $14,287 $2,535,587
13 147 $18,855 $4,543 $14,312 $2,521,275
13 148 $18,855 $4,517 $14,338 $2,506,937
13 149 $18,855 $4,492 $14,364 $2,492,573
13 150 $18,855 $4,466 $14,389 $2,478,184
13 151 $18,855 $4,440 $14,415 $2,463,768
13 152 $18,855 $4,414 $14,441 $2,449,327
13 153 $18,855 $4,388 $14,467 $2,434,860
13 154 $18,855 $4,362 $14,493 $2,420,368
13 155 $18,855 $4,336 $14,519 $2,405,849
13 156 $18,855 $4,310 $14,545 $2,391,304
14 157 $18,855 $4,284 $14,571 $2,376,733
14 158 $18,855 $4,258 $14,597 $2,362,136
14 159 $18,855 $4,232 $14,623 $2,347,513
14 160 $18,855 $4,206 $14,649 $2,332,864
14 161 $18,855 $4,180 $14,676 $2,318,188
14 162 $18,855 $4,153 $14,702 $2,303,486
14 163 $18,855 $4,127 $14,728 $2,288,758
14 164 $18,855 $4,101 $14,755 $2,274,003
14 165 $18,855 $4,074 $14,781 $2,259,222
14 166 $18,855 $4,048 $14,808 $2,244,415
14 167 $18,855 $4,021 $14,834 $2,229,581
14 168 $18,855 $3,995 $14,861 $2,214,720
15 169 $18,855 $3,968 $14,887 $2,199,833
15 170 $18,855 $3,941 $14,914 $2,184,919
15 171 $18,855 $3,915 $14,941 $2,169,978
15 172 $18,855 $3,888 $14,967 $2,155,011
15 173 $18,855 $3,861 $14,994 $2,140,017
15 174 $18,855 $3,834 $15,021 $2,124,996
15 175 $18,855 $3,807 $15,048 $2,109,948
15 176 $18,855 $3,780 $15,075 $2,094,873
15 177 $18,855 $3,753 $15,102 $2,079,771
15 178 $18,855 $3,726 $15,129 $2,064,642
15 179 $18,855 $3,699 $15,156 $2,049,486
15 180 $18,855 $3,672 $15,183 $2,034,302
16 181 $18,855 $3,645 $15,210 $2,019,092
16 182 $18,855 $3,618 $15,238 $2,003,854
16 183 $18,855 $3,590 $15,265 $1,988,589
16 184 $18,855 $3,563 $15,292 $1,973,297
16 185 $18,855 $3,535 $15,320 $1,957,977
16 186 $18,855 $3,508 $15,347 $1,942,630
16 187 $18,855 $3,481 $15,375 $1,927,255
16 188 $18,855 $3,453 $15,402 $1,911,852
16 189 $18,855 $3,425 $15,430 $1,896,423
16 190 $18,855 $3,398 $15,458 $1,880,965
16 191 $18,855 $3,370 $15,485 $1,865,480
16 192 $18,855 $3,342 $15,513 $1,849,967
17 193 $18,855 $3,315 $15,541 $1,834,426
17 194 $18,855 $3,287 $15,569 $1,818,857
17 195 $18,855 $3,259 $15,597 $1,803,261
17 196 $18,855 $3,231 $15,624 $1,787,637
17 197 $18,855 $3,203 $15,652 $1,771,984
17 198 $18,855 $3,175 $15,680 $1,756,304
17 199 $18,855 $3,147 $15,709 $1,740,595
17 200 $18,855 $3,119 $15,737 $1,724,858
17 201 $18,855 $3,090 $15,765 $1,709,093
17 202 $18,855 $3,062 $15,793 $1,693,300
17 203 $18,855 $3,034 $15,821 $1,677,479
17 204 $18,855 $3,005 $15,850 $1,661,629
18 205 $18,855 $2,977 $15,878 $1,645,751
18 206 $18,855 $2,949 $15,907 $1,629,844
18 207 $18,855 $2,920 $15,935 $1,613,909
18 208 $18,855 $2,892 $15,964 $1,597,945
18 209 $18,855 $2,863 $15,992 $1,581,953
18 210 $18,855 $2,834 $16,021 $1,565,932
18 211 $18,855 $2,806 $16,050 $1,549,882
18 212 $18,855 $2,777 $16,078 $1,533,804
18 213 $18,855 $2,748 $16,107 $1,517,697
18 214 $18,855 $2,719 $16,136 $1,501,561
18 215 $18,855 $2,690 $16,165 $1,485,396
18 216 $18,855 $2,661 $16,194 $1,469,202
19 217 $18,855 $2,632 $16,223 $1,452,979
19 218 $18,855 $2,603 $16,252 $1,436,727
19 219 $18,855 $2,574 $16,281 $1,420,445
19 220 $18,855 $2,545 $16,310 $1,404,135
19 221 $18,855 $2,516 $16,340 $1,387,796
19 222 $18,855 $2,486 $16,369 $1,371,427
19 223 $18,855 $2,457 $16,398 $1,355,029
19 224 $18,855 $2,428 $16,428 $1,338,601
19 225 $18,855 $2,398 $16,457 $1,322,144
19 226 $18,855 $2,369 $16,486 $1,305,658
19 227 $18,855 $2,339 $16,516 $1,289,142
19 228 $18,855 $2,310 $16,546 $1,272,596
20 229 $18,855 $2,280 $16,575 $1,256,021
20 230 $18,855 $2,250 $16,605 $1,239,416
20 231 $18,855 $2,221 $16,635 $1,222,781
20 232 $18,855 $2,191 $16,664 $1,206,117
20 233 $18,855 $2,161 $16,694 $1,189,422
20 234 $18,855 $2,131 $16,724 $1,172,698
20 235 $18,855 $2,101 $16,754 $1,155,944
20 236 $18,855 $2,071 $16,784 $1,139,160
20 237 $18,855 $2,041 $16,814 $1,122,346
20 238 $18,855 $2,011 $16,844 $1,105,501
20 239 $18,855 $1,981 $16,875 $1,088,626
20 240 $18,855 $1,950 $16,905 $1,071,722
21 241 $18,855 $1,920 $16,935 $1,054,787
21 242 $18,855 $1,890 $16,965 $1,037,821
21 243 $18,855 $1,859 $16,996 $1,020,825
21 244 $18,855 $1,829 $17,026 $1,003,799
21 245 $18,855 $1,798 $17,057 $986,742
21 246 $18,855 $1,768 $17,087 $969,655
21 247 $18,855 $1,737 $17,118 $952,537
21 248 $18,855 $1,707 $17,149 $935,388
21 249 $18,855 $1,676 $17,179 $918,209
21 250 $18,855 $1,645 $17,210 $900,998
21 251 $18,855 $1,614 $17,241 $883,757
21 252 $18,855 $1,583 $17,272 $866,486
22 253 $18,855 $1,552 $17,303 $849,183
22 254 $18,855 $1,521 $17,334 $831,849
22 255 $18,855 $1,490 $17,365 $814,484
22 256 $18,855 $1,459 $17,396 $797,088
22 257 $18,855 $1,428 $17,427 $779,661
22 258 $18,855 $1,397 $17,458 $762,202
22 259 $18,855 $1,366 $17,490 $744,713
22 260 $18,855 $1,334 $17,521 $727,192
22 261 $18,855 $1,303 $17,552 $709,639
22 262 $18,855 $1,271 $17,584 $692,055
22 263 $18,855 $1,240 $17,615 $674,440
22 264 $18,855 $1,208 $17,647 $656,793
23 265 $18,855 $1,177 $17,679 $639,115
23 266 $18,855 $1,145 $17,710 $621,404
23 267 $18,855 $1,113 $17,742 $603,663
23 268 $18,855 $1,082 $17,774 $585,889
23 269 $18,855 $1,050 $17,806 $568,083
23 270 $18,855 $1,018 $17,837 $550,246
23 271 $18,855 $986 $17,869 $532,376
23 272 $18,855 $954 $17,901 $514,475
23 273 $18,855 $922 $17,934 $496,541
23 274 $18,855 $890 $17,966 $478,576
23 275 $18,855 $857 $17,998 $460,578
23 276 $18,855 $825 $18,030 $442,548
24 277 $18,855 $793 $18,062 $424,485
24 278 $18,855 $761 $18,095 $406,391
24 279 $18,855 $728 $18,127 $388,263
24 280 $18,855 $696 $18,160 $370,104
24 281 $18,855 $663 $18,192 $351,912
24 282 $18,855 $631 $18,225 $333,687
24 283 $18,855 $598 $18,257 $315,429
24 284 $18,855 $565 $18,290 $297,139
24 285 $18,855 $532 $18,323 $278,816
24 286 $18,855 $500 $18,356 $260,461
24 287 $18,855 $467 $18,389 $242,072
24 288 $18,855 $434 $18,422 $223,650
25 289 $18,855 $401 $18,455 $205,196
25 290 $18,855 $368 $18,488 $186,708
25 291 $18,855 $335 $18,521 $168,187
25 292 $18,855 $301 $18,554 $149,633
25 293 $18,855 $268 $18,587 $131,046
25 294 $18,855 $235 $18,620 $112,426
25 295 $18,855 $201 $18,654 $93,772
25 296 $18,855 $168 $18,687 $75,085
25 297 $18,855 $135 $18,721 $56,364
25 298 $18,855 $101 $18,754 $37,609
25 299 $18,855 $67 $18,788 $18,822
25 300 $18,855 $34 $18,822 $0