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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$ 2,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,870,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,800,000
 
Monthly Repayment (HKD)
$18,110
Loan Amount (HKD)
$4,200,000
+
Total Interest (HKD)
$1,233,056
=
Total Repayment (HKD)
$5,433,056
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $18,110 $7,525 $10,585 $4,189,415
1 2 $18,110 $7,506 $10,604 $4,178,811
1 3 $18,110 $7,487 $10,623 $4,168,188
1 4 $18,110 $7,468 $10,642 $4,157,545
1 5 $18,110 $7,449 $10,661 $4,146,884
1 6 $18,110 $7,430 $10,680 $4,136,204
1 7 $18,110 $7,411 $10,699 $4,125,504
1 8 $18,110 $7,392 $10,719 $4,114,786
1 9 $18,110 $7,372 $10,738 $4,104,048
1 10 $18,110 $7,353 $10,757 $4,093,291
1 11 $18,110 $7,334 $10,776 $4,082,514
1 12 $18,110 $7,315 $10,796 $4,071,719
2 13 $18,110 $7,295 $10,815 $4,060,904
2 14 $18,110 $7,276 $10,834 $4,050,069
2 15 $18,110 $7,256 $10,854 $4,039,215
2 16 $18,110 $7,237 $10,873 $4,028,342
2 17 $18,110 $7,217 $10,893 $4,017,449
2 18 $18,110 $7,198 $10,912 $4,006,537
2 19 $18,110 $7,178 $10,932 $3,995,605
2 20 $18,110 $7,159 $10,951 $3,984,654
2 21 $18,110 $7,139 $10,971 $3,973,683
2 22 $18,110 $7,120 $10,991 $3,962,692
2 23 $18,110 $7,100 $11,010 $3,951,682
2 24 $18,110 $7,080 $11,030 $3,940,652
3 25 $18,110 $7,060 $11,050 $3,929,602
3 26 $18,110 $7,041 $11,070 $3,918,532
3 27 $18,110 $7,021 $11,089 $3,907,443
3 28 $18,110 $7,001 $11,109 $3,896,333
3 29 $18,110 $6,981 $11,129 $3,885,204
3 30 $18,110 $6,961 $11,149 $3,874,055
3 31 $18,110 $6,941 $11,169 $3,862,886
3 32 $18,110 $6,921 $11,189 $3,851,697
3 33 $18,110 $6,901 $11,209 $3,840,487
3 34 $18,110 $6,881 $11,229 $3,829,258
3 35 $18,110 $6,861 $11,249 $3,818,009
3 36 $18,110 $6,841 $11,270 $3,806,739
4 37 $18,110 $6,820 $11,290 $3,795,449
4 38 $18,110 $6,800 $11,310 $3,784,139
4 39 $18,110 $6,780 $11,330 $3,772,809
4 40 $18,110 $6,760 $11,351 $3,761,458
4 41 $18,110 $6,739 $11,371 $3,750,088
4 42 $18,110 $6,719 $11,391 $3,738,696
4 43 $18,110 $6,698 $11,412 $3,727,285
4 44 $18,110 $6,678 $11,432 $3,715,852
4 45 $18,110 $6,658 $11,453 $3,704,400
4 46 $18,110 $6,637 $11,473 $3,692,927
4 47 $18,110 $6,616 $11,494 $3,681,433
4 48 $18,110 $6,596 $11,514 $3,669,919
5 49 $18,110 $6,575 $11,535 $3,658,384
5 50 $18,110 $6,555 $11,556 $3,646,828
5 51 $18,110 $6,534 $11,576 $3,635,252
5 52 $18,110 $6,513 $11,597 $3,623,655
5 53 $18,110 $6,492 $11,618 $3,612,037
5 54 $18,110 $6,472 $11,639 $3,600,398
5 55 $18,110 $6,451 $11,659 $3,588,739
5 56 $18,110 $6,430 $11,680 $3,577,059
5 57 $18,110 $6,409 $11,701 $3,565,357
5 58 $18,110 $6,388 $11,722 $3,553,635
5 59 $18,110 $6,367 $11,743 $3,541,892
5 60 $18,110 $6,346 $11,764 $3,530,128
6 61 $18,110 $6,325 $11,785 $3,518,342
6 62 $18,110 $6,304 $11,806 $3,506,536
6 63 $18,110 $6,283 $11,828 $3,494,708
6 64 $18,110 $6,261 $11,849 $3,482,859
6 65 $18,110 $6,240 $11,870 $3,470,989
6 66 $18,110 $6,219 $11,891 $3,459,098
6 67 $18,110 $6,198 $11,913 $3,447,185
6 68 $18,110 $6,176 $11,934 $3,435,251
6 69 $18,110 $6,155 $11,955 $3,423,296
6 70 $18,110 $6,133 $11,977 $3,411,319
6 71 $18,110 $6,112 $11,998 $3,399,321
6 72 $18,110 $6,090 $12,020 $3,387,301
7 73 $18,110 $6,069 $12,041 $3,375,260
7 74 $18,110 $6,047 $12,063 $3,363,197
7 75 $18,110 $6,026 $12,084 $3,351,112
7 76 $18,110 $6,004 $12,106 $3,339,006
7 77 $18,110 $5,982 $12,128 $3,326,879
7 78 $18,110 $5,961 $12,150 $3,314,729
7 79 $18,110 $5,939 $12,171 $3,302,558
7 80 $18,110 $5,917 $12,193 $3,290,365
7 81 $18,110 $5,895 $12,215 $3,278,150
7 82 $18,110 $5,873 $12,237 $3,265,913
7 83 $18,110 $5,851 $12,259 $3,253,654
7 84 $18,110 $5,829 $12,281 $3,241,373
8 85 $18,110 $5,807 $12,303 $3,229,071
8 86 $18,110 $5,785 $12,325 $3,216,746
8 87 $18,110 $5,763 $12,347 $3,204,399
8 88 $18,110 $5,741 $12,369 $3,192,030
8 89 $18,110 $5,719 $12,391 $3,179,639
8 90 $18,110 $5,697 $12,413 $3,167,226
8 91 $18,110 $5,675 $12,436 $3,154,790
8 92 $18,110 $5,652 $12,458 $3,142,332
8 93 $18,110 $5,630 $12,480 $3,129,852
8 94 $18,110 $5,608 $12,503 $3,117,349
8 95 $18,110 $5,585 $12,525 $3,104,825
8 96 $18,110 $5,563 $12,547 $3,092,277
9 97 $18,110 $5,540 $12,570 $3,079,707
9 98 $18,110 $5,518 $12,592 $3,067,115
9 99 $18,110 $5,495 $12,615 $3,054,500
9 100 $18,110 $5,473 $12,638 $3,041,862
9 101 $18,110 $5,450 $12,660 $3,029,202
9 102 $18,110 $5,427 $12,683 $3,016,519
9 103 $18,110 $5,405 $12,706 $3,003,814
9 104 $18,110 $5,382 $12,728 $2,991,085
9 105 $18,110 $5,359 $12,751 $2,978,334
9 106 $18,110 $5,336 $12,774 $2,965,560
9 107 $18,110 $5,313 $12,797 $2,952,763
9 108 $18,110 $5,290 $12,820 $2,939,944
10 109 $18,110 $5,267 $12,843 $2,927,101
10 110 $18,110 $5,244 $12,866 $2,914,235
10 111 $18,110 $5,221 $12,889 $2,901,346
10 112 $18,110 $5,198 $12,912 $2,888,434
10 113 $18,110 $5,175 $12,935 $2,875,499
10 114 $18,110 $5,152 $12,958 $2,862,541
10 115 $18,110 $5,129 $12,981 $2,849,559
10 116 $18,110 $5,105 $13,005 $2,836,555
10 117 $18,110 $5,082 $13,028 $2,823,527
10 118 $18,110 $5,059 $13,051 $2,810,475
10 119 $18,110 $5,035 $13,075 $2,797,401
10 120 $18,110 $5,012 $13,098 $2,784,302
11 121 $18,110 $4,989 $13,122 $2,771,181
11 122 $18,110 $4,965 $13,145 $2,758,036
11 123 $18,110 $4,941 $13,169 $2,744,867
11 124 $18,110 $4,918 $13,192 $2,731,675
11 125 $18,110 $4,894 $13,216 $2,718,459
11 126 $18,110 $4,871 $13,240 $2,705,219
11 127 $18,110 $4,847 $13,263 $2,691,956
11 128 $18,110 $4,823 $13,287 $2,678,669
11 129 $18,110 $4,799 $13,311 $2,665,358
11 130 $18,110 $4,775 $13,335 $2,652,023
11 131 $18,110 $4,752 $13,359 $2,638,664
11 132 $18,110 $4,728 $13,383 $2,625,282
12 133 $18,110 $4,704 $13,407 $2,611,875
12 134 $18,110 $4,680 $13,431 $2,598,445
12 135 $18,110 $4,656 $13,455 $2,584,990
12 136 $18,110 $4,631 $13,479 $2,571,511
12 137 $18,110 $4,607 $13,503 $2,558,008
12 138 $18,110 $4,583 $13,527 $2,544,481
12 139 $18,110 $4,559 $13,551 $2,530,930
12 140 $18,110 $4,535 $13,576 $2,517,354
12 141 $18,110 $4,510 $13,600 $2,503,754
12 142 $18,110 $4,486 $13,624 $2,490,130
12 143 $18,110 $4,461 $13,649 $2,476,481
12 144 $18,110 $4,437 $13,673 $2,462,808
13 145 $18,110 $4,413 $13,698 $2,449,111
13 146 $18,110 $4,388 $13,722 $2,435,388
13 147 $18,110 $4,363 $13,747 $2,421,642
13 148 $18,110 $4,339 $13,771 $2,407,870
13 149 $18,110 $4,314 $13,796 $2,394,074
13 150 $18,110 $4,289 $13,821 $2,380,253
13 151 $18,110 $4,265 $13,846 $2,366,408
13 152 $18,110 $4,240 $13,870 $2,352,537
13 153 $18,110 $4,215 $13,895 $2,338,642
13 154 $18,110 $4,190 $13,920 $2,324,722
13 155 $18,110 $4,165 $13,945 $2,310,777
13 156 $18,110 $4,140 $13,970 $2,296,807
14 157 $18,110 $4,115 $13,995 $2,282,812
14 158 $18,110 $4,090 $14,020 $2,268,792
14 159 $18,110 $4,065 $14,045 $2,254,746
14 160 $18,110 $4,040 $14,070 $2,240,676
14 161 $18,110 $4,015 $14,096 $2,226,580
14 162 $18,110 $3,989 $14,121 $2,212,459
14 163 $18,110 $3,964 $14,146 $2,198,313
14 164 $18,110 $3,939 $14,172 $2,184,142
14 165 $18,110 $3,913 $14,197 $2,169,945
14 166 $18,110 $3,888 $14,222 $2,155,722
14 167 $18,110 $3,862 $14,248 $2,141,475
14 168 $18,110 $3,837 $14,273 $2,127,201
15 169 $18,110 $3,811 $14,299 $2,112,902
15 170 $18,110 $3,786 $14,325 $2,098,578
15 171 $18,110 $3,760 $14,350 $2,084,227
15 172 $18,110 $3,734 $14,376 $2,069,851
15 173 $18,110 $3,708 $14,402 $2,055,450
15 174 $18,110 $3,683 $14,428 $2,041,022
15 175 $18,110 $3,657 $14,453 $2,026,569
15 176 $18,110 $3,631 $14,479 $2,012,090
15 177 $18,110 $3,605 $14,505 $1,997,584
15 178 $18,110 $3,579 $14,531 $1,983,053
15 179 $18,110 $3,553 $14,557 $1,968,496
15 180 $18,110 $3,527 $14,583 $1,953,913
16 181 $18,110 $3,501 $14,609 $1,939,303
16 182 $18,110 $3,475 $14,636 $1,924,668
16 183 $18,110 $3,448 $14,662 $1,910,006
16 184 $18,110 $3,422 $14,688 $1,895,318
16 185 $18,110 $3,396 $14,714 $1,880,603
16 186 $18,110 $3,369 $14,741 $1,865,863
16 187 $18,110 $3,343 $14,767 $1,851,095
16 188 $18,110 $3,317 $14,794 $1,836,302
16 189 $18,110 $3,290 $14,820 $1,821,482
16 190 $18,110 $3,263 $14,847 $1,806,635
16 191 $18,110 $3,237 $14,873 $1,791,762
16 192 $18,110 $3,210 $14,900 $1,776,862
17 193 $18,110 $3,184 $14,927 $1,761,935
17 194 $18,110 $3,157 $14,953 $1,746,982
17 195 $18,110 $3,130 $14,980 $1,732,001
17 196 $18,110 $3,103 $15,007 $1,716,994
17 197 $18,110 $3,076 $15,034 $1,701,961
17 198 $18,110 $3,049 $15,061 $1,686,900
17 199 $18,110 $3,022 $15,088 $1,671,812
17 200 $18,110 $2,995 $15,115 $1,656,697
17 201 $18,110 $2,968 $15,142 $1,641,555
17 202 $18,110 $2,941 $15,169 $1,626,386
17 203 $18,110 $2,914 $15,196 $1,611,190
17 204 $18,110 $2,887 $15,223 $1,595,966
18 205 $18,110 $2,859 $15,251 $1,580,716
18 206 $18,110 $2,832 $15,278 $1,565,438
18 207 $18,110 $2,805 $15,305 $1,550,132
18 208 $18,110 $2,777 $15,333 $1,534,799
18 209 $18,110 $2,750 $15,360 $1,519,439
18 210 $18,110 $2,722 $15,388 $1,504,051
18 211 $18,110 $2,695 $15,415 $1,488,636
18 212 $18,110 $2,667 $15,443 $1,473,193
18 213 $18,110 $2,639 $15,471 $1,457,722
18 214 $18,110 $2,612 $15,498 $1,442,223
18 215 $18,110 $2,584 $15,526 $1,426,697
18 216 $18,110 $2,556 $15,554 $1,411,143
19 217 $18,110 $2,528 $15,582 $1,395,561
19 218 $18,110 $2,500 $15,610 $1,379,951
19 219 $18,110 $2,472 $15,638 $1,364,314
19 220 $18,110 $2,444 $15,666 $1,348,648
19 221 $18,110 $2,416 $15,694 $1,332,954
19 222 $18,110 $2,388 $15,722 $1,317,232
19 223 $18,110 $2,360 $15,750 $1,301,482
19 224 $18,110 $2,332 $15,778 $1,285,704
19 225 $18,110 $2,304 $15,807 $1,269,897
19 226 $18,110 $2,275 $15,835 $1,254,062
19 227 $18,110 $2,247 $15,863 $1,238,199
19 228 $18,110 $2,218 $15,892 $1,222,307
20 229 $18,110 $2,190 $15,920 $1,206,387
20 230 $18,110 $2,161 $15,949 $1,190,438
20 231 $18,110 $2,133 $15,977 $1,174,461
20 232 $18,110 $2,104 $16,006 $1,158,455
20 233 $18,110 $2,076 $16,035 $1,142,420
20 234 $18,110 $2,047 $16,063 $1,126,357
20 235 $18,110 $2,018 $16,092 $1,110,265
20 236 $18,110 $1,989 $16,121 $1,094,144
20 237 $18,110 $1,960 $16,150 $1,077,994
20 238 $18,110 $1,931 $16,179 $1,061,815
20 239 $18,110 $1,902 $16,208 $1,045,607
20 240 $18,110 $1,873 $16,237 $1,029,370
21 241 $18,110 $1,844 $16,266 $1,013,105
21 242 $18,110 $1,815 $16,295 $996,809
21 243 $18,110 $1,786 $16,324 $980,485
21 244 $18,110 $1,757 $16,353 $964,132
21 245 $18,110 $1,727 $16,383 $947,749
21 246 $18,110 $1,698 $16,412 $931,337
21 247 $18,110 $1,669 $16,442 $914,895
21 248 $18,110 $1,639 $16,471 $898,424
21 249 $18,110 $1,610 $16,501 $881,924
21 250 $18,110 $1,580 $16,530 $865,394
21 251 $18,110 $1,550 $16,560 $848,834
21 252 $18,110 $1,521 $16,589 $832,245
22 253 $18,110 $1,491 $16,619 $815,626
22 254 $18,110 $1,461 $16,649 $798,977
22 255 $18,110 $1,431 $16,679 $782,298
22 256 $18,110 $1,402 $16,709 $765,589
22 257 $18,110 $1,372 $16,739 $748,851
22 258 $18,110 $1,342 $16,768 $732,082
22 259 $18,110 $1,312 $16,799 $715,284
22 260 $18,110 $1,282 $16,829 $698,455
22 261 $18,110 $1,251 $16,859 $681,597
22 262 $18,110 $1,221 $16,889 $664,708
22 263 $18,110 $1,191 $16,919 $647,788
22 264 $18,110 $1,161 $16,950 $630,839
23 265 $18,110 $1,130 $16,980 $613,859
23 266 $18,110 $1,100 $17,010 $596,848
23 267 $18,110 $1,069 $17,041 $579,808
23 268 $18,110 $1,039 $17,071 $562,736
23 269 $18,110 $1,008 $17,102 $545,634
23 270 $18,110 $978 $17,133 $528,502
23 271 $18,110 $947 $17,163 $511,338
23 272 $18,110 $916 $17,194 $494,144
23 273 $18,110 $885 $17,225 $476,920
23 274 $18,110 $854 $17,256 $459,664
23 275 $18,110 $824 $17,287 $442,377
23 276 $18,110 $793 $17,318 $425,060
24 277 $18,110 $762 $17,349 $407,711
24 278 $18,110 $730 $17,380 $390,331
24 279 $18,110 $699 $17,411 $372,920
24 280 $18,110 $668 $17,442 $355,478
24 281 $18,110 $637 $17,473 $338,005
24 282 $18,110 $606 $17,505 $320,500
24 283 $18,110 $574 $17,536 $302,965
24 284 $18,110 $543 $17,567 $285,397
24 285 $18,110 $511 $17,599 $267,798
24 286 $18,110 $480 $17,630 $250,168
24 287 $18,110 $448 $17,662 $232,506
24 288 $18,110 $417 $17,694 $214,812
25 289 $18,110 $385 $17,725 $197,087
25 290 $18,110 $353 $17,757 $179,330
25 291 $18,110 $321 $17,789 $161,541
25 292 $18,110 $289 $17,821 $143,720
25 293 $18,110 $257 $17,853 $125,868
25 294 $18,110 $226 $17,885 $107,983
25 295 $18,110 $193 $17,917 $90,066
25 296 $18,110 $161 $17,949 $72,117
25 297 $18,110 $129 $17,981 $54,136
25 298 $18,110 $97 $18,013 $36,123
25 299 $18,110 $65 $18,045 $18,078
25 300 $18,110 $32 $18,078 $0