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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$ 2,832,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,902,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,832,000
 
Monthly Repayment (HKD)
$18,317
Loan Amount (HKD)
$4,248,000
+
Total Interest (HKD)
$1,247,148
=
Total Repayment (HKD)
$5,495,148
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $18,317 $7,611 $10,706 $4,237,294
1 2 $18,317 $7,592 $10,725 $4,226,568
1 3 $18,317 $7,573 $10,745 $4,215,824
1 4 $18,317 $7,553 $10,764 $4,205,060
1 5 $18,317 $7,534 $10,783 $4,194,277
1 6 $18,317 $7,515 $10,802 $4,183,475
1 7 $18,317 $7,495 $10,822 $4,172,653
1 8 $18,317 $7,476 $10,841 $4,161,812
1 9 $18,317 $7,457 $10,861 $4,150,951
1 10 $18,317 $7,437 $10,880 $4,140,071
1 11 $18,317 $7,418 $10,900 $4,129,172
1 12 $18,317 $7,398 $10,919 $4,118,252
2 13 $18,317 $7,379 $10,939 $4,107,314
2 14 $18,317 $7,359 $10,958 $4,096,356
2 15 $18,317 $7,339 $10,978 $4,085,378
2 16 $18,317 $7,320 $10,998 $4,074,380
2 17 $18,317 $7,300 $11,017 $4,063,363
2 18 $18,317 $7,280 $11,037 $4,052,326
2 19 $18,317 $7,260 $11,057 $4,041,269
2 20 $18,317 $7,241 $11,077 $4,030,193
2 21 $18,317 $7,221 $11,096 $4,019,096
2 22 $18,317 $7,201 $11,116 $4,007,980
2 23 $18,317 $7,181 $11,136 $3,996,844
2 24 $18,317 $7,161 $11,156 $3,985,688
3 25 $18,317 $7,141 $11,176 $3,974,512
3 26 $18,317 $7,121 $11,196 $3,963,315
3 27 $18,317 $7,101 $11,216 $3,952,099
3 28 $18,317 $7,081 $11,236 $3,940,863
3 29 $18,317 $7,061 $11,256 $3,929,606
3 30 $18,317 $7,041 $11,277 $3,918,330
3 31 $18,317 $7,020 $11,297 $3,907,033
3 32 $18,317 $7,000 $11,317 $3,895,716
3 33 $18,317 $6,980 $11,337 $3,884,379
3 34 $18,317 $6,960 $11,358 $3,873,021
3 35 $18,317 $6,939 $11,378 $3,861,643
3 36 $18,317 $6,919 $11,398 $3,850,245
4 37 $18,317 $6,898 $11,419 $3,838,826
4 38 $18,317 $6,878 $11,439 $3,827,387
4 39 $18,317 $6,857 $11,460 $3,815,927
4 40 $18,317 $6,837 $11,480 $3,804,447
4 41 $18,317 $6,816 $11,501 $3,792,946
4 42 $18,317 $6,796 $11,521 $3,781,424
4 43 $18,317 $6,775 $11,542 $3,769,882
4 44 $18,317 $6,754 $11,563 $3,758,319
4 45 $18,317 $6,734 $11,584 $3,746,736
4 46 $18,317 $6,713 $11,604 $3,735,132
4 47 $18,317 $6,692 $11,625 $3,723,506
4 48 $18,317 $6,671 $11,646 $3,711,861
5 49 $18,317 $6,650 $11,667 $3,700,194
5 50 $18,317 $6,630 $11,688 $3,688,506
5 51 $18,317 $6,609 $11,709 $3,676,798
5 52 $18,317 $6,588 $11,730 $3,665,068
5 53 $18,317 $6,567 $11,751 $3,653,317
5 54 $18,317 $6,546 $11,772 $3,641,546
5 55 $18,317 $6,524 $11,793 $3,629,753
5 56 $18,317 $6,503 $11,814 $3,617,939
5 57 $18,317 $6,482 $11,835 $3,606,104
5 58 $18,317 $6,461 $11,856 $3,594,248
5 59 $18,317 $6,440 $11,877 $3,582,371
5 60 $18,317 $6,418 $11,899 $3,570,472
6 61 $18,317 $6,397 $11,920 $3,558,552
6 62 $18,317 $6,376 $11,941 $3,546,610
6 63 $18,317 $6,354 $11,963 $3,534,648
6 64 $18,317 $6,333 $11,984 $3,522,663
6 65 $18,317 $6,311 $12,006 $3,510,658
6 66 $18,317 $6,290 $12,027 $3,498,630
6 67 $18,317 $6,268 $12,049 $3,486,582
6 68 $18,317 $6,247 $12,070 $3,474,511
6 69 $18,317 $6,225 $12,092 $3,462,419
6 70 $18,317 $6,204 $12,114 $3,450,306
6 71 $18,317 $6,182 $12,135 $3,438,170
6 72 $18,317 $6,160 $12,157 $3,426,013
7 73 $18,317 $6,138 $12,179 $3,413,834
7 74 $18,317 $6,116 $12,201 $3,401,633
7 75 $18,317 $6,095 $12,223 $3,389,411
7 76 $18,317 $6,073 $12,244 $3,377,166
7 77 $18,317 $6,051 $12,266 $3,364,900
7 78 $18,317 $6,029 $12,288 $3,352,612
7 79 $18,317 $6,007 $12,310 $3,340,301
7 80 $18,317 $5,985 $12,332 $3,327,969
7 81 $18,317 $5,963 $12,355 $3,315,614
7 82 $18,317 $5,940 $12,377 $3,303,238
7 83 $18,317 $5,918 $12,399 $3,290,839
7 84 $18,317 $5,896 $12,421 $3,278,418
8 85 $18,317 $5,874 $12,443 $3,265,974
8 86 $18,317 $5,852 $12,466 $3,253,509
8 87 $18,317 $5,829 $12,488 $3,241,021
8 88 $18,317 $5,807 $12,510 $3,228,510
8 89 $18,317 $5,784 $12,533 $3,215,978
8 90 $18,317 $5,762 $12,555 $3,203,422
8 91 $18,317 $5,739 $12,578 $3,190,845
8 92 $18,317 $5,717 $12,600 $3,178,245
8 93 $18,317 $5,694 $12,623 $3,165,622
8 94 $18,317 $5,672 $12,645 $3,152,976
8 95 $18,317 $5,649 $12,668 $3,140,308
8 96 $18,317 $5,626 $12,691 $3,127,617
9 97 $18,317 $5,604 $12,714 $3,114,904
9 98 $18,317 $5,581 $12,736 $3,102,168
9 99 $18,317 $5,558 $12,759 $3,089,409
9 100 $18,317 $5,535 $12,782 $3,076,627
9 101 $18,317 $5,512 $12,805 $3,063,822
9 102 $18,317 $5,489 $12,828 $3,050,994
9 103 $18,317 $5,466 $12,851 $3,038,143
9 104 $18,317 $5,443 $12,874 $3,025,269
9 105 $18,317 $5,420 $12,897 $3,012,372
9 106 $18,317 $5,397 $12,920 $2,999,452
9 107 $18,317 $5,374 $12,943 $2,986,509
9 108 $18,317 $5,351 $12,966 $2,973,543
10 109 $18,317 $5,328 $12,990 $2,960,553
10 110 $18,317 $5,304 $13,013 $2,947,541
10 111 $18,317 $5,281 $13,036 $2,934,504
10 112 $18,317 $5,258 $13,060 $2,921,445
10 113 $18,317 $5,234 $13,083 $2,908,362
10 114 $18,317 $5,211 $13,106 $2,895,256
10 115 $18,317 $5,187 $13,130 $2,882,126
10 116 $18,317 $5,164 $13,153 $2,868,972
10 117 $18,317 $5,140 $13,177 $2,855,796
10 118 $18,317 $5,117 $13,201 $2,842,595
10 119 $18,317 $5,093 $13,224 $2,829,371
10 120 $18,317 $5,069 $13,248 $2,816,123
11 121 $18,317 $5,046 $13,272 $2,802,851
11 122 $18,317 $5,022 $13,295 $2,789,556
11 123 $18,317 $4,998 $13,319 $2,776,237
11 124 $18,317 $4,974 $13,343 $2,762,894
11 125 $18,317 $4,950 $13,367 $2,749,527
11 126 $18,317 $4,926 $13,391 $2,736,136
11 127 $18,317 $4,902 $13,415 $2,722,721
11 128 $18,317 $4,878 $13,439 $2,709,282
11 129 $18,317 $4,854 $13,463 $2,695,819
11 130 $18,317 $4,830 $13,487 $2,682,332
11 131 $18,317 $4,806 $13,511 $2,668,820
11 132 $18,317 $4,782 $13,536 $2,655,285
12 133 $18,317 $4,757 $13,560 $2,641,725
12 134 $18,317 $4,733 $13,584 $2,628,141
12 135 $18,317 $4,709 $13,608 $2,614,533
12 136 $18,317 $4,684 $13,633 $2,600,900
12 137 $18,317 $4,660 $13,657 $2,587,243
12 138 $18,317 $4,635 $13,682 $2,573,561
12 139 $18,317 $4,611 $13,706 $2,559,855
12 140 $18,317 $4,586 $13,731 $2,546,124
12 141 $18,317 $4,562 $13,755 $2,532,369
12 142 $18,317 $4,537 $13,780 $2,518,589
12 143 $18,317 $4,512 $13,805 $2,504,784
12 144 $18,317 $4,488 $13,829 $2,490,955
13 145 $18,317 $4,463 $13,854 $2,477,100
13 146 $18,317 $4,438 $13,879 $2,463,221
13 147 $18,317 $4,413 $13,904 $2,449,317
13 148 $18,317 $4,388 $13,929 $2,435,389
13 149 $18,317 $4,363 $13,954 $2,421,435
13 150 $18,317 $4,338 $13,979 $2,407,456
13 151 $18,317 $4,313 $14,004 $2,393,452
13 152 $18,317 $4,288 $14,029 $2,379,423
13 153 $18,317 $4,263 $14,054 $2,365,369
13 154 $18,317 $4,238 $14,079 $2,351,290
13 155 $18,317 $4,213 $14,104 $2,337,186
13 156 $18,317 $4,187 $14,130 $2,323,056
14 157 $18,317 $4,162 $14,155 $2,308,901
14 158 $18,317 $4,137 $14,180 $2,294,721
14 159 $18,317 $4,111 $14,206 $2,280,515
14 160 $18,317 $4,086 $14,231 $2,266,284
14 161 $18,317 $4,060 $14,257 $2,252,027
14 162 $18,317 $4,035 $14,282 $2,237,745
14 163 $18,317 $4,009 $14,308 $2,223,437
14 164 $18,317 $3,984 $14,334 $2,209,103
14 165 $18,317 $3,958 $14,359 $2,194,744
14 166 $18,317 $3,932 $14,385 $2,180,359
14 167 $18,317 $3,906 $14,411 $2,165,948
14 168 $18,317 $3,881 $14,437 $2,151,512
15 169 $18,317 $3,855 $14,462 $2,137,050
15 170 $18,317 $3,829 $14,488 $2,122,561
15 171 $18,317 $3,803 $14,514 $2,108,047
15 172 $18,317 $3,777 $14,540 $2,093,507
15 173 $18,317 $3,751 $14,566 $2,078,941
15 174 $18,317 $3,725 $14,592 $2,064,348
15 175 $18,317 $3,699 $14,619 $2,049,730
15 176 $18,317 $3,672 $14,645 $2,035,085
15 177 $18,317 $3,646 $14,671 $2,020,414
15 178 $18,317 $3,620 $14,697 $2,005,717
15 179 $18,317 $3,594 $14,724 $1,990,993
15 180 $18,317 $3,567 $14,750 $1,976,243
16 181 $18,317 $3,541 $14,776 $1,961,467
16 182 $18,317 $3,514 $14,803 $1,946,664
16 183 $18,317 $3,488 $14,829 $1,931,835
16 184 $18,317 $3,461 $14,856 $1,916,979
16 185 $18,317 $3,435 $14,883 $1,902,096
16 186 $18,317 $3,408 $14,909 $1,887,187
16 187 $18,317 $3,381 $14,936 $1,872,251
16 188 $18,317 $3,354 $14,963 $1,857,288
16 189 $18,317 $3,328 $14,990 $1,842,299
16 190 $18,317 $3,301 $15,016 $1,827,282
16 191 $18,317 $3,274 $15,043 $1,812,239
16 192 $18,317 $3,247 $15,070 $1,797,169
17 193 $18,317 $3,220 $15,097 $1,782,071
17 194 $18,317 $3,193 $15,124 $1,766,947
17 195 $18,317 $3,166 $15,151 $1,751,796
17 196 $18,317 $3,139 $15,179 $1,736,617
17 197 $18,317 $3,111 $15,206 $1,721,412
17 198 $18,317 $3,084 $15,233 $1,706,179
17 199 $18,317 $3,057 $15,260 $1,690,918
17 200 $18,317 $3,030 $15,288 $1,675,631
17 201 $18,317 $3,002 $15,315 $1,660,316
17 202 $18,317 $2,975 $15,342 $1,644,973
17 203 $18,317 $2,947 $15,370 $1,629,603
17 204 $18,317 $2,920 $15,397 $1,614,206
18 205 $18,317 $2,892 $15,425 $1,598,781
18 206 $18,317 $2,864 $15,453 $1,583,328
18 207 $18,317 $2,837 $15,480 $1,567,848
18 208 $18,317 $2,809 $15,508 $1,552,340
18 209 $18,317 $2,781 $15,536 $1,536,804
18 210 $18,317 $2,753 $15,564 $1,521,240
18 211 $18,317 $2,726 $15,592 $1,505,649
18 212 $18,317 $2,698 $15,620 $1,490,029
18 213 $18,317 $2,670 $15,648 $1,474,381
18 214 $18,317 $2,642 $15,676 $1,458,706
18 215 $18,317 $2,614 $15,704 $1,443,002
18 216 $18,317 $2,585 $15,732 $1,427,271
19 217 $18,317 $2,557 $15,760 $1,411,511
19 218 $18,317 $2,529 $15,788 $1,395,722
19 219 $18,317 $2,501 $15,816 $1,379,906
19 220 $18,317 $2,472 $15,845 $1,364,061
19 221 $18,317 $2,444 $15,873 $1,348,188
19 222 $18,317 $2,416 $15,902 $1,332,286
19 223 $18,317 $2,387 $15,930 $1,316,356
19 224 $18,317 $2,358 $15,959 $1,300,397
19 225 $18,317 $2,330 $15,987 $1,284,410
19 226 $18,317 $2,301 $16,016 $1,268,394
19 227 $18,317 $2,273 $16,045 $1,252,349
19 228 $18,317 $2,244 $16,073 $1,236,276
20 229 $18,317 $2,215 $16,102 $1,220,174
20 230 $18,317 $2,186 $16,131 $1,204,043
20 231 $18,317 $2,157 $16,160 $1,187,883
20 232 $18,317 $2,128 $16,189 $1,171,694
20 233 $18,317 $2,099 $16,218 $1,155,476
20 234 $18,317 $2,070 $16,247 $1,139,229
20 235 $18,317 $2,041 $16,276 $1,122,953
20 236 $18,317 $2,012 $16,305 $1,106,648
20 237 $18,317 $1,983 $16,334 $1,090,314
20 238 $18,317 $1,953 $16,364 $1,073,950
20 239 $18,317 $1,924 $16,393 $1,057,557
20 240 $18,317 $1,895 $16,422 $1,041,135
21 241 $18,317 $1,865 $16,452 $1,024,683
21 242 $18,317 $1,836 $16,481 $1,008,202
21 243 $18,317 $1,806 $16,511 $991,691
21 244 $18,317 $1,777 $16,540 $975,150
21 245 $18,317 $1,747 $16,570 $958,580
21 246 $18,317 $1,717 $16,600 $941,981
21 247 $18,317 $1,688 $16,629 $925,351
21 248 $18,317 $1,658 $16,659 $908,692
21 249 $18,317 $1,628 $16,689 $892,003
21 250 $18,317 $1,598 $16,719 $875,284
21 251 $18,317 $1,568 $16,749 $858,535
21 252 $18,317 $1,538 $16,779 $841,756
22 253 $18,317 $1,508 $16,809 $824,947
22 254 $18,317 $1,478 $16,839 $808,108
22 255 $18,317 $1,448 $16,869 $791,239
22 256 $18,317 $1,418 $16,900 $774,339
22 257 $18,317 $1,387 $16,930 $757,409
22 258 $18,317 $1,357 $16,960 $740,449
22 259 $18,317 $1,327 $16,991 $723,459
22 260 $18,317 $1,296 $17,021 $706,438
22 261 $18,317 $1,266 $17,051 $689,386
22 262 $18,317 $1,235 $17,082 $672,304
22 263 $18,317 $1,205 $17,113 $655,192
22 264 $18,317 $1,174 $17,143 $638,048
23 265 $18,317 $1,143 $17,174 $620,874
23 266 $18,317 $1,112 $17,205 $603,670
23 267 $18,317 $1,082 $17,236 $586,434
23 268 $18,317 $1,051 $17,266 $569,167
23 269 $18,317 $1,020 $17,297 $551,870
23 270 $18,317 $989 $17,328 $534,542
23 271 $18,317 $958 $17,359 $517,182
23 272 $18,317 $927 $17,391 $499,792
23 273 $18,317 $895 $17,422 $482,370
23 274 $18,317 $864 $17,453 $464,917
23 275 $18,317 $833 $17,484 $447,433
23 276 $18,317 $802 $17,516 $429,917
24 277 $18,317 $770 $17,547 $412,371
24 278 $18,317 $739 $17,578 $394,792
24 279 $18,317 $707 $17,610 $377,182
24 280 $18,317 $676 $17,641 $359,541
24 281 $18,317 $644 $17,673 $341,868
24 282 $18,317 $613 $17,705 $324,163
24 283 $18,317 $581 $17,736 $306,427
24 284 $18,317 $549 $17,768 $288,659
24 285 $18,317 $517 $17,800 $270,859
24 286 $18,317 $485 $17,832 $253,027
24 287 $18,317 $453 $17,864 $235,163
24 288 $18,317 $421 $17,896 $217,267
25 289 $18,317 $389 $17,928 $199,339
25 290 $18,317 $357 $17,960 $181,379
25 291 $18,317 $325 $17,992 $163,387
25 292 $18,317 $293 $18,024 $145,363
25 293 $18,317 $260 $18,057 $127,306
25 294 $18,317 $228 $18,089 $109,217
25 295 $18,317 $196 $18,121 $91,096
25 296 $18,317 $163 $18,154 $72,942
25 297 $18,317 $131 $18,186 $54,755
25 298 $18,317 $98 $18,219 $36,536
25 299 $18,317 $65 $18,252 $18,284
25 300 $18,317 $33 $18,284 $0