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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$ 3,140,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,218,500
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,140,000
 
Monthly Repayment (HKD)
$20,309
Loan Amount (HKD)
$4,710,000
+
Total Interest (HKD)
$1,382,784
=
Total Repayment (HKD)
$6,092,784
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $20,309 $8,439 $11,871 $4,698,129
1 2 $20,309 $8,417 $11,892 $4,686,238
1 3 $20,309 $8,396 $11,913 $4,674,325
1 4 $20,309 $8,375 $11,934 $4,662,390
1 5 $20,309 $8,353 $11,956 $4,650,434
1 6 $20,309 $8,332 $11,977 $4,638,457
1 7 $20,309 $8,311 $11,999 $4,626,458
1 8 $20,309 $8,289 $12,020 $4,614,438
1 9 $20,309 $8,268 $12,042 $4,602,396
1 10 $20,309 $8,246 $12,063 $4,590,333
1 11 $20,309 $8,224 $12,085 $4,578,248
1 12 $20,309 $8,203 $12,107 $4,566,142
2 13 $20,309 $8,181 $12,128 $4,554,013
2 14 $20,309 $8,159 $12,150 $4,541,863
2 15 $20,309 $8,138 $12,172 $4,529,691
2 16 $20,309 $8,116 $12,194 $4,517,498
2 17 $20,309 $8,094 $12,215 $4,505,282
2 18 $20,309 $8,072 $12,237 $4,493,045
2 19 $20,309 $8,050 $12,259 $4,480,786
2 20 $20,309 $8,028 $12,281 $4,468,505
2 21 $20,309 $8,006 $12,303 $4,456,201
2 22 $20,309 $7,984 $12,325 $4,443,876
2 23 $20,309 $7,962 $12,347 $4,431,529
2 24 $20,309 $7,940 $12,369 $4,419,159
3 25 $20,309 $7,918 $12,392 $4,406,768
3 26 $20,309 $7,895 $12,414 $4,394,354
3 27 $20,309 $7,873 $12,436 $4,381,918
3 28 $20,309 $7,851 $12,458 $4,369,460
3 29 $20,309 $7,829 $12,481 $4,356,979
3 30 $20,309 $7,806 $12,503 $4,344,476
3 31 $20,309 $7,784 $12,525 $4,331,950
3 32 $20,309 $7,761 $12,548 $4,319,403
3 33 $20,309 $7,739 $12,570 $4,306,832
3 34 $20,309 $7,716 $12,593 $4,294,239
3 35 $20,309 $7,694 $12,615 $4,281,624
3 36 $20,309 $7,671 $12,638 $4,268,986
4 37 $20,309 $7,649 $12,661 $4,256,325
4 38 $20,309 $7,626 $12,683 $4,243,642
4 39 $20,309 $7,603 $12,706 $4,230,936
4 40 $20,309 $7,580 $12,729 $4,218,207
4 41 $20,309 $7,558 $12,752 $4,205,455
4 42 $20,309 $7,535 $12,775 $4,192,681
4 43 $20,309 $7,512 $12,797 $4,179,883
4 44 $20,309 $7,489 $12,820 $4,167,063
4 45 $20,309 $7,466 $12,843 $4,154,220
4 46 $20,309 $7,443 $12,866 $4,141,353
4 47 $20,309 $7,420 $12,889 $4,128,464
4 48 $20,309 $7,397 $12,912 $4,115,552
5 49 $20,309 $7,374 $12,936 $4,102,616
5 50 $20,309 $7,351 $12,959 $4,089,657
5 51 $20,309 $7,327 $12,982 $4,076,675
5 52 $20,309 $7,304 $13,005 $4,063,670
5 53 $20,309 $7,281 $13,029 $4,050,642
5 54 $20,309 $7,257 $13,052 $4,037,590
5 55 $20,309 $7,234 $13,075 $4,024,514
5 56 $20,309 $7,211 $13,099 $4,011,416
5 57 $20,309 $7,187 $13,122 $3,998,294
5 58 $20,309 $7,164 $13,146 $3,985,148
5 59 $20,309 $7,140 $13,169 $3,971,979
5 60 $20,309 $7,116 $13,193 $3,958,786
6 61 $20,309 $7,093 $13,216 $3,945,569
6 62 $20,309 $7,069 $13,240 $3,932,329
6 63 $20,309 $7,045 $13,264 $3,919,065
6 64 $20,309 $7,022 $13,288 $3,905,778
6 65 $20,309 $6,998 $13,311 $3,892,466
6 66 $20,309 $6,974 $13,335 $3,879,131
6 67 $20,309 $6,950 $13,359 $3,865,772
6 68 $20,309 $6,926 $13,383 $3,852,389
6 69 $20,309 $6,902 $13,407 $3,838,982
6 70 $20,309 $6,878 $13,431 $3,825,551
6 71 $20,309 $6,854 $13,455 $3,812,095
6 72 $20,309 $6,830 $13,479 $3,798,616
7 73 $20,309 $6,806 $13,503 $3,785,113
7 74 $20,309 $6,782 $13,528 $3,771,585
7 75 $20,309 $6,757 $13,552 $3,758,033
7 76 $20,309 $6,733 $13,576 $3,744,457
7 77 $20,309 $6,709 $13,600 $3,730,857
7 78 $20,309 $6,684 $13,625 $3,717,232
7 79 $20,309 $6,660 $13,649 $3,703,583
7 80 $20,309 $6,636 $13,674 $3,689,909
7 81 $20,309 $6,611 $13,698 $3,676,211
7 82 $20,309 $6,587 $13,723 $3,662,488
7 83 $20,309 $6,562 $13,747 $3,648,741
7 84 $20,309 $6,537 $13,772 $3,634,969
8 85 $20,309 $6,513 $13,797 $3,621,172
8 86 $20,309 $6,488 $13,821 $3,607,351
8 87 $20,309 $6,463 $13,846 $3,593,505
8 88 $20,309 $6,438 $13,871 $3,579,634
8 89 $20,309 $6,414 $13,896 $3,565,738
8 90 $20,309 $6,389 $13,921 $3,551,817
8 91 $20,309 $6,364 $13,946 $3,537,872
8 92 $20,309 $6,339 $13,971 $3,523,901
8 93 $20,309 $6,314 $13,996 $3,509,905
8 94 $20,309 $6,289 $14,021 $3,495,885
8 95 $20,309 $6,263 $14,046 $3,481,839
8 96 $20,309 $6,238 $14,071 $3,467,768
9 97 $20,309 $6,213 $14,096 $3,453,672
9 98 $20,309 $6,188 $14,121 $3,439,550
9 99 $20,309 $6,163 $14,147 $3,425,404
9 100 $20,309 $6,137 $14,172 $3,411,231
9 101 $20,309 $6,112 $14,197 $3,397,034
9 102 $20,309 $6,086 $14,223 $3,382,811
9 103 $20,309 $6,061 $14,248 $3,368,563
9 104 $20,309 $6,035 $14,274 $3,354,289
9 105 $20,309 $6,010 $14,300 $3,339,989
9 106 $20,309 $5,984 $14,325 $3,325,664
9 107 $20,309 $5,958 $14,351 $3,311,313
9 108 $20,309 $5,933 $14,377 $3,296,937
10 109 $20,309 $5,907 $14,402 $3,282,534
10 110 $20,309 $5,881 $14,428 $3,268,106
10 111 $20,309 $5,855 $14,454 $3,253,652
10 112 $20,309 $5,829 $14,480 $3,239,173
10 113 $20,309 $5,804 $14,506 $3,224,667
10 114 $20,309 $5,778 $14,532 $3,210,135
10 115 $20,309 $5,751 $14,558 $3,195,577
10 116 $20,309 $5,725 $14,584 $3,180,993
10 117 $20,309 $5,699 $14,610 $3,166,383
10 118 $20,309 $5,673 $14,636 $3,151,747
10 119 $20,309 $5,647 $14,662 $3,137,085
10 120 $20,309 $5,621 $14,689 $3,122,396
11 121 $20,309 $5,594 $14,715 $3,107,681
11 122 $20,309 $5,568 $14,741 $3,092,940
11 123 $20,309 $5,542 $14,768 $3,078,172
11 124 $20,309 $5,515 $14,794 $3,063,378
11 125 $20,309 $5,489 $14,821 $3,048,557
11 126 $20,309 $5,462 $14,847 $3,033,710
11 127 $20,309 $5,435 $14,874 $3,018,836
11 128 $20,309 $5,409 $14,901 $3,003,935
11 129 $20,309 $5,382 $14,927 $2,989,008
11 130 $20,309 $5,355 $14,954 $2,974,054
11 131 $20,309 $5,329 $14,981 $2,959,073
11 132 $20,309 $5,302 $15,008 $2,944,066
12 133 $20,309 $5,275 $15,034 $2,929,031
12 134 $20,309 $5,248 $15,061 $2,913,970
12 135 $20,309 $5,221 $15,088 $2,898,882
12 136 $20,309 $5,194 $15,115 $2,883,766
12 137 $20,309 $5,167 $15,143 $2,868,624
12 138 $20,309 $5,140 $15,170 $2,853,454
12 139 $20,309 $5,112 $15,197 $2,838,257
12 140 $20,309 $5,085 $15,224 $2,823,033
12 141 $20,309 $5,058 $15,251 $2,807,782
12 142 $20,309 $5,031 $15,279 $2,792,503
12 143 $20,309 $5,003 $15,306 $2,777,197
12 144 $20,309 $4,976 $15,333 $2,761,863
13 145 $20,309 $4,948 $15,361 $2,746,503
13 146 $20,309 $4,921 $15,388 $2,731,114
13 147 $20,309 $4,893 $15,416 $2,715,698
13 148 $20,309 $4,866 $15,444 $2,700,254
13 149 $20,309 $4,838 $15,471 $2,684,783
13 150 $20,309 $4,810 $15,499 $2,669,284
13 151 $20,309 $4,782 $15,527 $2,653,757
13 152 $20,309 $4,755 $15,555 $2,638,203
13 153 $20,309 $4,727 $15,583 $2,622,620
13 154 $20,309 $4,699 $15,610 $2,607,010
13 155 $20,309 $4,671 $15,638 $2,591,371
13 156 $20,309 $4,643 $15,666 $2,575,705
14 157 $20,309 $4,615 $15,694 $2,560,010
14 158 $20,309 $4,587 $15,723 $2,544,288
14 159 $20,309 $4,559 $15,751 $2,528,537
14 160 $20,309 $4,530 $15,779 $2,512,758
14 161 $20,309 $4,502 $15,807 $2,496,951
14 162 $20,309 $4,474 $15,836 $2,481,115
14 163 $20,309 $4,445 $15,864 $2,465,251
14 164 $20,309 $4,417 $15,892 $2,449,359
14 165 $20,309 $4,388 $15,921 $2,433,438
14 166 $20,309 $4,360 $15,949 $2,417,489
14 167 $20,309 $4,331 $15,978 $2,401,511
14 168 $20,309 $4,303 $16,007 $2,385,504
15 169 $20,309 $4,274 $16,035 $2,369,469
15 170 $20,309 $4,245 $16,064 $2,353,405
15 171 $20,309 $4,217 $16,093 $2,337,312
15 172 $20,309 $4,188 $16,122 $2,321,191
15 173 $20,309 $4,159 $16,150 $2,305,040
15 174 $20,309 $4,130 $16,179 $2,288,861
15 175 $20,309 $4,101 $16,208 $2,272,652
15 176 $20,309 $4,072 $16,237 $2,256,415
15 177 $20,309 $4,043 $16,267 $2,240,148
15 178 $20,309 $4,014 $16,296 $2,223,853
15 179 $20,309 $3,984 $16,325 $2,207,528
15 180 $20,309 $3,955 $16,354 $2,191,174
16 181 $20,309 $3,926 $16,383 $2,174,790
16 182 $20,309 $3,896 $16,413 $2,158,377
16 183 $20,309 $3,867 $16,442 $2,141,935
16 184 $20,309 $3,838 $16,472 $2,125,464
16 185 $20,309 $3,808 $16,501 $2,108,962
16 186 $20,309 $3,779 $16,531 $2,092,432
16 187 $20,309 $3,749 $16,560 $2,075,871
16 188 $20,309 $3,719 $16,590 $2,059,281
16 189 $20,309 $3,690 $16,620 $2,042,662
16 190 $20,309 $3,660 $16,650 $2,026,012
16 191 $20,309 $3,630 $16,679 $2,009,333
16 192 $20,309 $3,600 $16,709 $1,992,623
17 193 $20,309 $3,570 $16,739 $1,975,884
17 194 $20,309 $3,540 $16,769 $1,959,115
17 195 $20,309 $3,510 $16,799 $1,942,316
17 196 $20,309 $3,480 $16,829 $1,925,487
17 197 $20,309 $3,450 $16,859 $1,908,627
17 198 $20,309 $3,420 $16,890 $1,891,738
17 199 $20,309 $3,389 $16,920 $1,874,818
17 200 $20,309 $3,359 $16,950 $1,857,867
17 201 $20,309 $3,329 $16,981 $1,840,887
17 202 $20,309 $3,298 $17,011 $1,823,876
17 203 $20,309 $3,268 $17,042 $1,806,834
17 204 $20,309 $3,237 $17,072 $1,789,762
18 205 $20,309 $3,207 $17,103 $1,772,660
18 206 $20,309 $3,176 $17,133 $1,755,526
18 207 $20,309 $3,145 $17,164 $1,738,362
18 208 $20,309 $3,115 $17,195 $1,721,168
18 209 $20,309 $3,084 $17,226 $1,703,942
18 210 $20,309 $3,053 $17,256 $1,686,686
18 211 $20,309 $3,022 $17,287 $1,669,398
18 212 $20,309 $2,991 $17,318 $1,652,080
18 213 $20,309 $2,960 $17,349 $1,634,731
18 214 $20,309 $2,929 $17,380 $1,617,351
18 215 $20,309 $2,898 $17,412 $1,599,939
18 216 $20,309 $2,867 $17,443 $1,582,496
19 217 $20,309 $2,835 $17,474 $1,565,022
19 218 $20,309 $2,804 $17,505 $1,547,517
19 219 $20,309 $2,773 $17,537 $1,529,980
19 220 $20,309 $2,741 $17,568 $1,512,412
19 221 $20,309 $2,710 $17,600 $1,494,813
19 222 $20,309 $2,678 $17,631 $1,477,182
19 223 $20,309 $2,647 $17,663 $1,459,519
19 224 $20,309 $2,615 $17,694 $1,441,825
19 225 $20,309 $2,583 $17,726 $1,424,099
19 226 $20,309 $2,552 $17,758 $1,406,341
19 227 $20,309 $2,520 $17,790 $1,388,551
19 228 $20,309 $2,488 $17,821 $1,370,730
20 229 $20,309 $2,456 $17,853 $1,352,876
20 230 $20,309 $2,424 $17,885 $1,334,991
20 231 $20,309 $2,392 $17,917 $1,317,074
20 232 $20,309 $2,360 $17,950 $1,299,124
20 233 $20,309 $2,328 $17,982 $1,281,142
20 234 $20,309 $2,295 $18,014 $1,263,129
20 235 $20,309 $2,263 $18,046 $1,245,082
20 236 $20,309 $2,231 $18,079 $1,227,004
20 237 $20,309 $2,198 $18,111 $1,208,893
20 238 $20,309 $2,166 $18,143 $1,190,750
20 239 $20,309 $2,133 $18,176 $1,172,574
20 240 $20,309 $2,101 $18,208 $1,154,365
21 241 $20,309 $2,068 $18,241 $1,136,124
21 242 $20,309 $2,036 $18,274 $1,117,851
21 243 $20,309 $2,003 $18,306 $1,099,544
21 244 $20,309 $1,970 $18,339 $1,081,205
21 245 $20,309 $1,937 $18,372 $1,062,833
21 246 $20,309 $1,904 $18,405 $1,044,428
21 247 $20,309 $1,871 $18,438 $1,025,990
21 248 $20,309 $1,838 $18,471 $1,007,519
21 249 $20,309 $1,805 $18,504 $989,015
21 250 $20,309 $1,772 $18,537 $970,477
21 251 $20,309 $1,739 $18,571 $951,907
21 252 $20,309 $1,705 $18,604 $933,303
22 253 $20,309 $1,672 $18,637 $914,666
22 254 $20,309 $1,639 $18,671 $895,995
22 255 $20,309 $1,605 $18,704 $877,291
22 256 $20,309 $1,572 $18,737 $858,554
22 257 $20,309 $1,538 $18,771 $839,783
22 258 $20,309 $1,505 $18,805 $820,978
22 259 $20,309 $1,471 $18,838 $802,140
22 260 $20,309 $1,437 $18,872 $783,268
22 261 $20,309 $1,403 $18,906 $764,362
22 262 $20,309 $1,369 $18,940 $745,422
22 263 $20,309 $1,336 $18,974 $726,448
22 264 $20,309 $1,302 $19,008 $707,441
23 265 $20,309 $1,267 $19,042 $688,399
23 266 $20,309 $1,233 $19,076 $669,323
23 267 $20,309 $1,199 $19,110 $650,213
23 268 $20,309 $1,165 $19,144 $631,068
23 269 $20,309 $1,131 $19,179 $611,890
23 270 $20,309 $1,096 $19,213 $592,677
23 271 $20,309 $1,062 $19,247 $573,429
23 272 $20,309 $1,027 $19,282 $554,148
23 273 $20,309 $993 $19,316 $534,831
23 274 $20,309 $958 $19,351 $515,480
23 275 $20,309 $924 $19,386 $496,094
23 276 $20,309 $889 $19,420 $476,674
24 277 $20,309 $854 $19,455 $457,219
24 278 $20,309 $819 $19,490 $437,729
24 279 $20,309 $784 $19,525 $418,204
24 280 $20,309 $749 $19,560 $398,644
24 281 $20,309 $714 $19,595 $379,049
24 282 $20,309 $679 $19,630 $359,418
24 283 $20,309 $644 $19,665 $339,753
24 284 $20,309 $609 $19,701 $320,053
24 285 $20,309 $573 $19,736 $300,317
24 286 $20,309 $538 $19,771 $280,545
24 287 $20,309 $503 $19,807 $260,739
24 288 $20,309 $467 $19,842 $240,897
25 289 $20,309 $432 $19,878 $221,019
25 290 $20,309 $396 $19,913 $201,106
25 291 $20,309 $360 $19,949 $181,157
25 292 $20,309 $325 $19,985 $161,172
25 293 $20,309 $289 $20,021 $141,152
25 294 $20,309 $253 $20,056 $121,095
25 295 $20,309 $217 $20,092 $101,003
25 296 $20,309 $181 $20,128 $80,875
25 297 $20,309 $145 $20,164 $60,710
25 298 $20,309 $109 $20,201 $40,510
25 299 $20,309 $73 $20,237 $20,273
25 300 $20,309 $36 $20,273 $0