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$ 3,760,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,854,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,760,000
 
Monthly Repayment (HKD)
$24,319
Loan Amount (HKD)
$5,640,000
+
Total Interest (HKD)
$1,655,818
=
Total Repayment (HKD)
$7,295,818
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $24,319 $10,105 $14,214 $5,625,786
1 2 $24,319 $10,080 $14,240 $5,611,546
1 3 $24,319 $10,054 $14,265 $5,597,280
1 4 $24,319 $10,028 $14,291 $5,582,989
1 5 $24,319 $10,003 $14,317 $5,568,673
1 6 $24,319 $9,977 $14,342 $5,554,331
1 7 $24,319 $9,952 $14,368 $5,539,963
1 8 $24,319 $9,926 $14,394 $5,525,569
1 9 $24,319 $9,900 $14,419 $5,511,150
1 10 $24,319 $9,874 $14,445 $5,496,705
1 11 $24,319 $9,848 $14,471 $5,482,233
1 12 $24,319 $9,822 $14,497 $5,467,736
2 13 $24,319 $9,796 $14,523 $5,453,213
2 14 $24,319 $9,770 $14,549 $5,438,664
2 15 $24,319 $9,744 $14,575 $5,424,089
2 16 $24,319 $9,718 $14,601 $5,409,488
2 17 $24,319 $9,692 $14,627 $5,394,861
2 18 $24,319 $9,666 $14,654 $5,380,207
2 19 $24,319 $9,640 $14,680 $5,365,527
2 20 $24,319 $9,613 $14,706 $5,350,821
2 21 $24,319 $9,587 $14,733 $5,336,088
2 22 $24,319 $9,560 $14,759 $5,321,330
2 23 $24,319 $9,534 $14,785 $5,306,544
2 24 $24,319 $9,508 $14,812 $5,291,732
3 25 $24,319 $9,481 $14,838 $5,276,894
3 26 $24,319 $9,454 $14,865 $5,262,029
3 27 $24,319 $9,428 $14,892 $5,247,137
3 28 $24,319 $9,401 $14,918 $5,232,219
3 29 $24,319 $9,374 $14,945 $5,217,274
3 30 $24,319 $9,348 $14,972 $5,202,302
3 31 $24,319 $9,321 $14,999 $5,187,304
3 32 $24,319 $9,294 $15,025 $5,172,278
3 33 $24,319 $9,267 $15,052 $5,157,226
3 34 $24,319 $9,240 $15,079 $5,142,147
3 35 $24,319 $9,213 $15,106 $5,127,040
3 36 $24,319 $9,186 $15,133 $5,111,907
4 37 $24,319 $9,159 $15,161 $5,096,746
4 38 $24,319 $9,132 $15,188 $5,081,558
4 39 $24,319 $9,104 $15,215 $5,066,343
4 40 $24,319 $9,077 $15,242 $5,051,101
4 41 $24,319 $9,050 $15,270 $5,035,832
4 42 $24,319 $9,023 $15,297 $5,020,535
4 43 $24,319 $8,995 $15,324 $5,005,211
4 44 $24,319 $8,968 $15,352 $4,989,859
4 45 $24,319 $8,940 $15,379 $4,974,480
4 46 $24,319 $8,913 $15,407 $4,959,073
4 47 $24,319 $8,885 $15,434 $4,943,639
4 48 $24,319 $8,857 $15,462 $4,928,176
5 49 $24,319 $8,830 $15,490 $4,912,687
5 50 $24,319 $8,802 $15,517 $4,897,169
5 51 $24,319 $8,774 $15,545 $4,881,624
5 52 $24,319 $8,746 $15,573 $4,866,051
5 53 $24,319 $8,718 $15,601 $4,850,450
5 54 $24,319 $8,690 $15,629 $4,834,821
5 55 $24,319 $8,662 $15,657 $4,819,164
5 56 $24,319 $8,634 $15,685 $4,803,479
5 57 $24,319 $8,606 $15,713 $4,787,766
5 58 $24,319 $8,578 $15,741 $4,772,024
5 59 $24,319 $8,550 $15,770 $4,756,255
5 60 $24,319 $8,522 $15,798 $4,740,457
6 61 $24,319 $8,493 $15,826 $4,724,631
6 62 $24,319 $8,465 $15,854 $4,708,776
6 63 $24,319 $8,437 $15,883 $4,692,894
6 64 $24,319 $8,408 $15,911 $4,676,982
6 65 $24,319 $8,380 $15,940 $4,661,043
6 66 $24,319 $8,351 $15,968 $4,645,074
6 67 $24,319 $8,322 $15,997 $4,629,077
6 68 $24,319 $8,294 $16,026 $4,613,052
6 69 $24,319 $8,265 $16,054 $4,596,997
6 70 $24,319 $8,236 $16,083 $4,580,914
6 71 $24,319 $8,207 $16,112 $4,564,802
6 72 $24,319 $8,179 $16,141 $4,548,661
7 73 $24,319 $8,150 $16,170 $4,532,492
7 74 $24,319 $8,121 $16,199 $4,516,293
7 75 $24,319 $8,092 $16,228 $4,500,065
7 76 $24,319 $8,063 $16,257 $4,483,809
7 77 $24,319 $8,033 $16,286 $4,467,523
7 78 $24,319 $8,004 $16,315 $4,451,208
7 79 $24,319 $7,975 $16,344 $4,434,863
7 80 $24,319 $7,946 $16,374 $4,418,490
7 81 $24,319 $7,916 $16,403 $4,402,087
7 82 $24,319 $7,887 $16,432 $4,385,654
7 83 $24,319 $7,858 $16,462 $4,369,193
7 84 $24,319 $7,828 $16,491 $4,352,701
8 85 $24,319 $7,799 $16,521 $4,336,181
8 86 $24,319 $7,769 $16,550 $4,319,630
8 87 $24,319 $7,739 $16,580 $4,303,050
8 88 $24,319 $7,710 $16,610 $4,286,440
8 89 $24,319 $7,680 $16,640 $4,269,801
8 90 $24,319 $7,650 $16,669 $4,253,131
8 91 $24,319 $7,620 $16,699 $4,236,432
8 92 $24,319 $7,590 $16,729 $4,219,703
8 93 $24,319 $7,560 $16,759 $4,202,944
8 94 $24,319 $7,530 $16,789 $4,186,155
8 95 $24,319 $7,500 $16,819 $4,169,336
8 96 $24,319 $7,470 $16,849 $4,152,486
9 97 $24,319 $7,440 $16,880 $4,135,607
9 98 $24,319 $7,410 $16,910 $4,118,697
9 99 $24,319 $7,379 $16,940 $4,101,757
9 100 $24,319 $7,349 $16,970 $4,084,787
9 101 $24,319 $7,319 $17,001 $4,067,786
9 102 $24,319 $7,288 $17,031 $4,050,755
9 103 $24,319 $7,258 $17,062 $4,033,693
9 104 $24,319 $7,227 $17,092 $4,016,600
9 105 $24,319 $7,196 $17,123 $3,999,477
9 106 $24,319 $7,166 $17,154 $3,982,324
9 107 $24,319 $7,135 $17,184 $3,965,139
9 108 $24,319 $7,104 $17,215 $3,947,924
10 109 $24,319 $7,073 $17,246 $3,930,678
10 110 $24,319 $7,042 $17,277 $3,913,401
10 111 $24,319 $7,012 $17,308 $3,896,093
10 112 $24,319 $6,981 $17,339 $3,878,754
10 113 $24,319 $6,949 $17,370 $3,861,385
10 114 $24,319 $6,918 $17,401 $3,843,983
10 115 $24,319 $6,887 $17,432 $3,826,551
10 116 $24,319 $6,856 $17,463 $3,809,088
10 117 $24,319 $6,825 $17,495 $3,791,593
10 118 $24,319 $6,793 $17,526 $3,774,067
10 119 $24,319 $6,762 $17,558 $3,756,509
10 120 $24,319 $6,730 $17,589 $3,738,920
11 121 $24,319 $6,699 $17,620 $3,721,300
11 122 $24,319 $6,667 $17,652 $3,703,648
11 123 $24,319 $6,636 $17,684 $3,685,964
11 124 $24,319 $6,604 $17,715 $3,668,249
11 125 $24,319 $6,572 $17,747 $3,650,502
11 126 $24,319 $6,540 $17,779 $3,632,723
11 127 $24,319 $6,509 $17,811 $3,614,912
11 128 $24,319 $6,477 $17,843 $3,597,069
11 129 $24,319 $6,445 $17,875 $3,579,195
11 130 $24,319 $6,413 $17,907 $3,561,288
11 131 $24,319 $6,381 $17,939 $3,543,349
11 132 $24,319 $6,349 $17,971 $3,525,378
12 133 $24,319 $6,316 $18,003 $3,507,375
12 134 $24,319 $6,284 $18,035 $3,489,340
12 135 $24,319 $6,252 $18,068 $3,471,272
12 136 $24,319 $6,219 $18,100 $3,453,172
12 137 $24,319 $6,187 $18,132 $3,435,040
12 138 $24,319 $6,154 $18,165 $3,416,875
12 139 $24,319 $6,122 $18,197 $3,398,677
12 140 $24,319 $6,089 $18,230 $3,380,447
12 141 $24,319 $6,057 $18,263 $3,362,184
12 142 $24,319 $6,024 $18,295 $3,343,889
12 143 $24,319 $5,991 $18,328 $3,325,561
12 144 $24,319 $5,958 $18,361 $3,307,200
13 145 $24,319 $5,925 $18,394 $3,288,806
13 146 $24,319 $5,892 $18,427 $3,270,379
13 147 $24,319 $5,859 $18,460 $3,251,919
13 148 $24,319 $5,826 $18,493 $3,233,426
13 149 $24,319 $5,793 $18,526 $3,214,899
13 150 $24,319 $5,760 $18,559 $3,196,340
13 151 $24,319 $5,727 $18,593 $3,177,747
13 152 $24,319 $5,693 $18,626 $3,159,122
13 153 $24,319 $5,660 $18,659 $3,140,462
13 154 $24,319 $5,627 $18,693 $3,121,769
13 155 $24,319 $5,593 $18,726 $3,103,043
13 156 $24,319 $5,560 $18,760 $3,084,283
14 157 $24,319 $5,526 $18,793 $3,065,490
14 158 $24,319 $5,492 $18,827 $3,046,663
14 159 $24,319 $5,459 $18,861 $3,027,802
14 160 $24,319 $5,425 $18,895 $3,008,908
14 161 $24,319 $5,391 $18,928 $2,989,979
14 162 $24,319 $5,357 $18,962 $2,971,017
14 163 $24,319 $5,323 $18,996 $2,952,021
14 164 $24,319 $5,289 $19,030 $2,932,990
14 165 $24,319 $5,255 $19,064 $2,913,926
14 166 $24,319 $5,221 $19,099 $2,894,827
14 167 $24,319 $5,187 $19,133 $2,875,694
14 168 $24,319 $5,152 $19,167 $2,856,527
15 169 $24,319 $5,118 $19,201 $2,837,326
15 170 $24,319 $5,084 $19,236 $2,818,090
15 171 $24,319 $5,049 $19,270 $2,798,820
15 172 $24,319 $5,015 $19,305 $2,779,515
15 173 $24,319 $4,980 $19,339 $2,760,175
15 174 $24,319 $4,945 $19,374 $2,740,801
15 175 $24,319 $4,911 $19,409 $2,721,392
15 176 $24,319 $4,876 $19,444 $2,701,949
15 177 $24,319 $4,841 $19,478 $2,682,471
15 178 $24,319 $4,806 $19,513 $2,662,957
15 179 $24,319 $4,771 $19,548 $2,643,409
15 180 $24,319 $4,736 $19,583 $2,623,826
16 181 $24,319 $4,701 $19,618 $2,604,207
16 182 $24,319 $4,666 $19,654 $2,584,554
16 183 $24,319 $4,631 $19,689 $2,564,865
16 184 $24,319 $4,595 $19,724 $2,545,141
16 185 $24,319 $4,560 $19,759 $2,525,382
16 186 $24,319 $4,525 $19,795 $2,505,587
16 187 $24,319 $4,489 $19,830 $2,485,757
16 188 $24,319 $4,454 $19,866 $2,465,891
16 189 $24,319 $4,418 $19,901 $2,445,990
16 190 $24,319 $4,382 $19,937 $2,426,053
16 191 $24,319 $4,347 $19,973 $2,406,080
16 192 $24,319 $4,311 $20,008 $2,386,071
17 193 $24,319 $4,275 $20,044 $2,366,027
17 194 $24,319 $4,239 $20,080 $2,345,947
17 195 $24,319 $4,203 $20,116 $2,325,831
17 196 $24,319 $4,167 $20,152 $2,305,678
17 197 $24,319 $4,131 $20,188 $2,285,490
17 198 $24,319 $4,095 $20,225 $2,265,265
17 199 $24,319 $4,059 $20,261 $2,245,005
17 200 $24,319 $4,022 $20,297 $2,224,707
17 201 $24,319 $3,986 $20,333 $2,204,374
17 202 $24,319 $3,950 $20,370 $2,184,004
17 203 $24,319 $3,913 $20,406 $2,163,598
17 204 $24,319 $3,876 $20,443 $2,143,155
18 205 $24,319 $3,840 $20,480 $2,122,675
18 206 $24,319 $3,803 $20,516 $2,102,159
18 207 $24,319 $3,766 $20,553 $2,081,606
18 208 $24,319 $3,730 $20,590 $2,061,016
18 209 $24,319 $3,693 $20,627 $2,040,389
18 210 $24,319 $3,656 $20,664 $2,019,726
18 211 $24,319 $3,619 $20,701 $1,999,025
18 212 $24,319 $3,582 $20,738 $1,978,287
18 213 $24,319 $3,544 $20,775 $1,957,512
18 214 $24,319 $3,507 $20,812 $1,936,700
18 215 $24,319 $3,470 $20,849 $1,915,850
18 216 $24,319 $3,433 $20,887 $1,894,964
19 217 $24,319 $3,395 $20,924 $1,874,039
19 218 $24,319 $3,358 $20,962 $1,853,078
19 219 $24,319 $3,320 $20,999 $1,832,078
19 220 $24,319 $3,282 $21,037 $1,811,041
19 221 $24,319 $3,245 $21,075 $1,789,967
19 222 $24,319 $3,207 $21,112 $1,768,854
19 223 $24,319 $3,169 $21,150 $1,747,704
19 224 $24,319 $3,131 $21,188 $1,726,516
19 225 $24,319 $3,093 $21,226 $1,705,290
19 226 $24,319 $3,055 $21,264 $1,684,026
19 227 $24,319 $3,017 $21,302 $1,662,724
19 228 $24,319 $2,979 $21,340 $1,641,384
20 229 $24,319 $2,941 $21,379 $1,620,005
20 230 $24,319 $2,903 $21,417 $1,598,588
20 231 $24,319 $2,864 $21,455 $1,577,133
20 232 $24,319 $2,826 $21,494 $1,555,639
20 233 $24,319 $2,787 $21,532 $1,534,107
20 234 $24,319 $2,749 $21,571 $1,512,536
20 235 $24,319 $2,710 $21,609 $1,490,927
20 236 $24,319 $2,671 $21,648 $1,469,279
20 237 $24,319 $2,632 $21,687 $1,447,592
20 238 $24,319 $2,594 $21,726 $1,425,866
20 239 $24,319 $2,555 $21,765 $1,404,101
20 240 $24,319 $2,516 $21,804 $1,382,297
21 241 $24,319 $2,477 $21,843 $1,360,455
21 242 $24,319 $2,437 $21,882 $1,338,573
21 243 $24,319 $2,398 $21,921 $1,316,652
21 244 $24,319 $2,359 $21,960 $1,294,691
21 245 $24,319 $2,320 $22,000 $1,272,691
21 246 $24,319 $2,280 $22,039 $1,250,652
21 247 $24,319 $2,241 $22,079 $1,228,574
21 248 $24,319 $2,201 $22,118 $1,206,455
21 249 $24,319 $2,162 $22,158 $1,184,298
21 250 $24,319 $2,122 $22,198 $1,162,100
21 251 $24,319 $2,082 $22,237 $1,139,863
21 252 $24,319 $2,042 $22,277 $1,117,586
22 253 $24,319 $2,002 $22,317 $1,095,269
22 254 $24,319 $1,962 $22,357 $1,072,912
22 255 $24,319 $1,922 $22,397 $1,050,515
22 256 $24,319 $1,882 $22,437 $1,028,077
22 257 $24,319 $1,842 $22,477 $1,005,600
22 258 $24,319 $1,802 $22,518 $983,082
22 259 $24,319 $1,761 $22,558 $960,524
22 260 $24,319 $1,721 $22,598 $937,926
22 261 $24,319 $1,680 $22,639 $915,287
22 262 $24,319 $1,640 $22,680 $892,607
22 263 $24,319 $1,599 $22,720 $869,887
22 264 $24,319 $1,559 $22,761 $847,126
23 265 $24,319 $1,518 $22,802 $824,325
23 266 $24,319 $1,477 $22,842 $801,482
23 267 $24,319 $1,436 $22,883 $778,599
23 268 $24,319 $1,395 $22,924 $755,674
23 269 $24,319 $1,354 $22,965 $732,709
23 270 $24,319 $1,313 $23,007 $709,702
23 271 $24,319 $1,272 $23,048 $686,654
23 272 $24,319 $1,230 $23,089 $663,565
23 273 $24,319 $1,189 $23,131 $640,435
23 274 $24,319 $1,147 $23,172 $617,263
23 275 $24,319 $1,106 $23,213 $594,049
23 276 $24,319 $1,064 $23,255 $570,794
24 277 $24,319 $1,023 $23,297 $547,498
24 278 $24,319 $981 $23,338 $524,159
24 279 $24,319 $939 $23,380 $500,779
24 280 $24,319 $897 $23,422 $477,357
24 281 $24,319 $855 $23,464 $453,893
24 282 $24,319 $813 $23,506 $430,386
24 283 $24,319 $771 $23,548 $406,838
24 284 $24,319 $729 $23,590 $383,248
24 285 $24,319 $687 $23,633 $359,615
24 286 $24,319 $644 $23,675 $335,940
24 287 $24,319 $602 $23,718 $312,222
24 288 $24,319 $559 $23,760 $288,462
25 289 $24,319 $517 $23,803 $264,660
25 290 $24,319 $474 $23,845 $240,815
25 291 $24,319 $431 $23,888 $216,927
25 292 $24,319 $389 $23,931 $192,996
25 293 $24,319 $346 $23,974 $169,022
25 294 $24,319 $303 $24,017 $145,006
25 295 $24,319 $260 $24,060 $120,946
25 296 $24,319 $217 $24,103 $96,843
25 297 $24,319 $174 $24,146 $72,698
25 298 $24,319 $130 $24,189 $48,508
25 299 $24,319 $87 $24,232 $24,276
25 300 $24,319 $43 $24,276 $0