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Mortgage & Stamp Duty Calculator
MORTGAGE & STAMP DUTY CALCULATOR
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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$ 2,872,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,943,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,872,000
 
Monthly Repayment (HKD)
$18,576
Loan Amount (HKD)
$4,308,000
+
Total Interest (HKD)
$1,264,763
=
Total Repayment (HKD)
$5,572,763
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $18,576 $7,719 $10,857 $4,297,143
1 2 $18,576 $7,699 $10,877 $4,286,266
1 3 $18,576 $7,680 $10,896 $4,275,369
1 4 $18,576 $7,660 $10,916 $4,264,454
1 5 $18,576 $7,640 $10,935 $4,253,518
1 6 $18,576 $7,621 $10,955 $4,242,563
1 7 $18,576 $7,601 $10,975 $4,231,589
1 8 $18,576 $7,582 $10,994 $4,220,594
1 9 $18,576 $7,562 $11,014 $4,209,580
1 10 $18,576 $7,542 $11,034 $4,198,547
1 11 $18,576 $7,522 $11,053 $4,187,493
1 12 $18,576 $7,503 $11,073 $4,176,420
2 13 $18,576 $7,483 $11,093 $4,165,327
2 14 $18,576 $7,463 $11,113 $4,154,214
2 15 $18,576 $7,443 $11,133 $4,143,081
2 16 $18,576 $7,423 $11,153 $4,131,928
2 17 $18,576 $7,403 $11,173 $4,120,755
2 18 $18,576 $7,383 $11,193 $4,109,562
2 19 $18,576 $7,363 $11,213 $4,098,349
2 20 $18,576 $7,343 $11,233 $4,087,116
2 21 $18,576 $7,323 $11,253 $4,075,863
2 22 $18,576 $7,303 $11,273 $4,064,590
2 23 $18,576 $7,282 $11,293 $4,053,296
2 24 $18,576 $7,262 $11,314 $4,041,983
3 25 $18,576 $7,242 $11,334 $4,030,649
3 26 $18,576 $7,222 $11,354 $4,019,294
3 27 $18,576 $7,201 $11,375 $4,007,920
3 28 $18,576 $7,181 $11,395 $3,996,525
3 29 $18,576 $7,160 $11,415 $3,985,109
3 30 $18,576 $7,140 $11,436 $3,973,674
3 31 $18,576 $7,119 $11,456 $3,962,217
3 32 $18,576 $7,099 $11,477 $3,950,740
3 33 $18,576 $7,078 $11,497 $3,939,243
3 34 $18,576 $7,058 $11,518 $3,927,725
3 35 $18,576 $7,037 $11,539 $3,916,186
3 36 $18,576 $7,016 $11,559 $3,904,627
4 37 $18,576 $6,996 $11,580 $3,893,047
4 38 $18,576 $6,975 $11,601 $3,881,446
4 39 $18,576 $6,954 $11,622 $3,869,824
4 40 $18,576 $6,933 $11,642 $3,858,182
4 41 $18,576 $6,913 $11,663 $3,846,518
4 42 $18,576 $6,892 $11,684 $3,834,834
4 43 $18,576 $6,871 $11,705 $3,823,129
4 44 $18,576 $6,850 $11,726 $3,811,403
4 45 $18,576 $6,829 $11,747 $3,799,656
4 46 $18,576 $6,808 $11,768 $3,787,888
4 47 $18,576 $6,787 $11,789 $3,776,098
4 48 $18,576 $6,766 $11,810 $3,764,288
5 49 $18,576 $6,744 $11,832 $3,752,456
5 50 $18,576 $6,723 $11,853 $3,740,604
5 51 $18,576 $6,702 $11,874 $3,728,730
5 52 $18,576 $6,681 $11,895 $3,716,835
5 53 $18,576 $6,659 $11,917 $3,704,918
5 54 $18,576 $6,638 $11,938 $3,692,980
5 55 $18,576 $6,617 $11,959 $3,681,021
5 56 $18,576 $6,595 $11,981 $3,669,040
5 57 $18,576 $6,574 $12,002 $3,657,038
5 58 $18,576 $6,552 $12,024 $3,645,014
5 59 $18,576 $6,531 $12,045 $3,632,969
5 60 $18,576 $6,509 $12,067 $3,620,902
6 61 $18,576 $6,487 $12,088 $3,608,814
6 62 $18,576 $6,466 $12,110 $3,596,704
6 63 $18,576 $6,444 $12,132 $3,584,572
6 64 $18,576 $6,422 $12,154 $3,572,418
6 65 $18,576 $6,401 $12,175 $3,560,243
6 66 $18,576 $6,379 $12,197 $3,548,046
6 67 $18,576 $6,357 $12,219 $3,535,827
6 68 $18,576 $6,335 $12,241 $3,523,586
6 69 $18,576 $6,313 $12,263 $3,511,323
6 70 $18,576 $6,291 $12,285 $3,499,039
6 71 $18,576 $6,269 $12,307 $3,486,732
6 72 $18,576 $6,247 $12,329 $3,474,403
7 73 $18,576 $6,225 $12,351 $3,462,052
7 74 $18,576 $6,203 $12,373 $3,449,679
7 75 $18,576 $6,181 $12,395 $3,437,284
7 76 $18,576 $6,158 $12,417 $3,424,867
7 77 $18,576 $6,136 $12,440 $3,412,427
7 78 $18,576 $6,114 $12,462 $3,399,965
7 79 $18,576 $6,092 $12,484 $3,387,481
7 80 $18,576 $6,069 $12,507 $3,374,974
7 81 $18,576 $6,047 $12,529 $3,362,445
7 82 $18,576 $6,024 $12,551 $3,349,893
7 83 $18,576 $6,002 $12,574 $3,337,319
7 84 $18,576 $5,979 $12,597 $3,324,723
8 85 $18,576 $5,957 $12,619 $3,312,104
8 86 $18,576 $5,934 $12,642 $3,299,462
8 87 $18,576 $5,912 $12,664 $3,286,798
8 88 $18,576 $5,889 $12,687 $3,274,111
8 89 $18,576 $5,866 $12,710 $3,261,401
8 90 $18,576 $5,843 $12,733 $3,248,669
8 91 $18,576 $5,821 $12,755 $3,235,913
8 92 $18,576 $5,798 $12,778 $3,223,135
8 93 $18,576 $5,775 $12,801 $3,210,334
8 94 $18,576 $5,752 $12,824 $3,197,510
8 95 $18,576 $5,729 $12,847 $3,184,663
8 96 $18,576 $5,706 $12,870 $3,171,793
9 97 $18,576 $5,683 $12,893 $3,158,900
9 98 $18,576 $5,660 $12,916 $3,145,984
9 99 $18,576 $5,637 $12,939 $3,133,044
9 100 $18,576 $5,613 $12,963 $3,120,082
9 101 $18,576 $5,590 $12,986 $3,107,096
9 102 $18,576 $5,567 $13,009 $3,094,087
9 103 $18,576 $5,544 $13,032 $3,081,055
9 104 $18,576 $5,520 $13,056 $3,067,999
9 105 $18,576 $5,497 $13,079 $3,054,920
9 106 $18,576 $5,473 $13,102 $3,041,818
9 107 $18,576 $5,450 $13,126 $3,028,692
9 108 $18,576 $5,426 $13,149 $3,015,542
10 109 $18,576 $5,403 $13,173 $3,002,369
10 110 $18,576 $5,379 $13,197 $2,989,172
10 111 $18,576 $5,356 $13,220 $2,975,952
10 112 $18,576 $5,332 $13,244 $2,962,708
10 113 $18,576 $5,308 $13,268 $2,949,441
10 114 $18,576 $5,284 $13,291 $2,936,149
10 115 $18,576 $5,261 $13,315 $2,922,834
10 116 $18,576 $5,237 $13,339 $2,909,495
10 117 $18,576 $5,213 $13,363 $2,896,132
10 118 $18,576 $5,189 $13,387 $2,882,745
10 119 $18,576 $5,165 $13,411 $2,869,334
10 120 $18,576 $5,141 $13,435 $2,855,899
11 121 $18,576 $5,117 $13,459 $2,842,440
11 122 $18,576 $5,093 $13,483 $2,828,956
11 123 $18,576 $5,069 $13,507 $2,815,449
11 124 $18,576 $5,044 $13,532 $2,801,918
11 125 $18,576 $5,020 $13,556 $2,788,362
11 126 $18,576 $4,996 $13,580 $2,774,782
11 127 $18,576 $4,971 $13,604 $2,761,177
11 128 $18,576 $4,947 $13,629 $2,747,549
11 129 $18,576 $4,923 $13,653 $2,733,895
11 130 $18,576 $4,898 $13,678 $2,720,218
11 131 $18,576 $4,874 $13,702 $2,706,516
11 132 $18,576 $4,849 $13,727 $2,692,789
12 133 $18,576 $4,825 $13,751 $2,679,038
12 134 $18,576 $4,800 $13,776 $2,665,262
12 135 $18,576 $4,775 $13,801 $2,651,461
12 136 $18,576 $4,751 $13,825 $2,637,636
12 137 $18,576 $4,726 $13,850 $2,623,786
12 138 $18,576 $4,701 $13,875 $2,609,911
12 139 $18,576 $4,676 $13,900 $2,596,011
12 140 $18,576 $4,651 $13,925 $2,582,086
12 141 $18,576 $4,626 $13,950 $2,568,137
12 142 $18,576 $4,601 $13,975 $2,554,162
12 143 $18,576 $4,576 $14,000 $2,540,162
12 144 $18,576 $4,551 $14,025 $2,526,138
13 145 $18,576 $4,526 $14,050 $2,512,088
13 146 $18,576 $4,501 $14,075 $2,498,013
13 147 $18,576 $4,476 $14,100 $2,483,912
13 148 $18,576 $4,450 $14,126 $2,469,787
13 149 $18,576 $4,425 $14,151 $2,455,636
13 150 $18,576 $4,400 $14,176 $2,441,460
13 151 $18,576 $4,374 $14,202 $2,427,258
13 152 $18,576 $4,349 $14,227 $2,413,031
13 153 $18,576 $4,323 $14,253 $2,398,779
13 154 $18,576 $4,298 $14,278 $2,384,501
13 155 $18,576 $4,272 $14,304 $2,370,197
13 156 $18,576 $4,247 $14,329 $2,355,868
14 157 $18,576 $4,221 $14,355 $2,341,513
14 158 $18,576 $4,195 $14,381 $2,327,132
14 159 $18,576 $4,169 $14,406 $2,312,726
14 160 $18,576 $4,144 $14,432 $2,298,293
14 161 $18,576 $4,118 $14,458 $2,283,835
14 162 $18,576 $4,092 $14,484 $2,269,351
14 163 $18,576 $4,066 $14,510 $2,254,841
14 164 $18,576 $4,040 $14,536 $2,240,305
14 165 $18,576 $4,014 $14,562 $2,225,743
14 166 $18,576 $3,988 $14,588 $2,211,155
14 167 $18,576 $3,962 $14,614 $2,196,541
14 168 $18,576 $3,935 $14,640 $2,181,901
15 169 $18,576 $3,909 $14,667 $2,167,234
15 170 $18,576 $3,883 $14,693 $2,152,541
15 171 $18,576 $3,857 $14,719 $2,137,822
15 172 $18,576 $3,830 $14,746 $2,123,076
15 173 $18,576 $3,804 $14,772 $2,108,304
15 174 $18,576 $3,777 $14,798 $2,093,506
15 175 $18,576 $3,751 $14,825 $2,078,681
15 176 $18,576 $3,724 $14,852 $2,063,829
15 177 $18,576 $3,698 $14,878 $2,048,951
15 178 $18,576 $3,671 $14,905 $2,034,046
15 179 $18,576 $3,644 $14,932 $2,019,114
15 180 $18,576 $3,618 $14,958 $2,004,156
16 181 $18,576 $3,591 $14,985 $1,989,171
16 182 $18,576 $3,564 $15,012 $1,974,159
16 183 $18,576 $3,537 $15,039 $1,959,120
16 184 $18,576 $3,510 $15,066 $1,944,055
16 185 $18,576 $3,483 $15,093 $1,928,962
16 186 $18,576 $3,456 $15,120 $1,913,842
16 187 $18,576 $3,429 $15,147 $1,898,695
16 188 $18,576 $3,402 $15,174 $1,883,521
16 189 $18,576 $3,375 $15,201 $1,868,320
16 190 $18,576 $3,347 $15,228 $1,853,091
16 191 $18,576 $3,320 $15,256 $1,837,836
16 192 $18,576 $3,293 $15,283 $1,822,552
17 193 $18,576 $3,265 $15,310 $1,807,242
17 194 $18,576 $3,238 $15,338 $1,791,904
17 195 $18,576 $3,210 $15,365 $1,776,539
17 196 $18,576 $3,183 $15,393 $1,761,146
17 197 $18,576 $3,155 $15,420 $1,745,725
17 198 $18,576 $3,128 $15,448 $1,730,277
17 199 $18,576 $3,100 $15,476 $1,714,801
17 200 $18,576 $3,072 $15,504 $1,699,298
17 201 $18,576 $3,045 $15,531 $1,683,767
17 202 $18,576 $3,017 $15,559 $1,668,207
17 203 $18,576 $2,989 $15,587 $1,652,620
17 204 $18,576 $2,961 $15,615 $1,637,005
18 205 $18,576 $2,933 $15,643 $1,621,363
18 206 $18,576 $2,905 $15,671 $1,605,692
18 207 $18,576 $2,877 $15,699 $1,589,993
18 208 $18,576 $2,849 $15,727 $1,574,265
18 209 $18,576 $2,821 $15,755 $1,558,510
18 210 $18,576 $2,792 $15,784 $1,542,727
18 211 $18,576 $2,764 $15,812 $1,526,915
18 212 $18,576 $2,736 $15,840 $1,511,075
18 213 $18,576 $2,707 $15,869 $1,495,206
18 214 $18,576 $2,679 $15,897 $1,479,309
18 215 $18,576 $2,650 $15,925 $1,463,384
18 216 $18,576 $2,622 $15,954 $1,447,430
19 217 $18,576 $2,593 $15,983 $1,431,447
19 218 $18,576 $2,565 $16,011 $1,415,436
19 219 $18,576 $2,536 $16,040 $1,399,396
19 220 $18,576 $2,507 $16,069 $1,383,327
19 221 $18,576 $2,478 $16,097 $1,367,230
19 222 $18,576 $2,450 $16,126 $1,351,104
19 223 $18,576 $2,421 $16,155 $1,334,949
19 224 $18,576 $2,392 $16,184 $1,318,765
19 225 $18,576 $2,363 $16,213 $1,302,551
19 226 $18,576 $2,334 $16,242 $1,286,309
19 227 $18,576 $2,305 $16,271 $1,270,038
19 228 $18,576 $2,275 $16,300 $1,253,738
20 229 $18,576 $2,246 $16,330 $1,237,408
20 230 $18,576 $2,217 $16,359 $1,221,049
20 231 $18,576 $2,188 $16,388 $1,204,661
20 232 $18,576 $2,158 $16,418 $1,188,244
20 233 $18,576 $2,129 $16,447 $1,171,797
20 234 $18,576 $2,099 $16,476 $1,155,320
20 235 $18,576 $2,070 $16,506 $1,138,814
20 236 $18,576 $2,040 $16,536 $1,122,279
20 237 $18,576 $2,011 $16,565 $1,105,714
20 238 $18,576 $1,981 $16,595 $1,089,119
20 239 $18,576 $1,951 $16,625 $1,072,494
20 240 $18,576 $1,922 $16,654 $1,055,840
21 241 $18,576 $1,892 $16,684 $1,039,156
21 242 $18,576 $1,862 $16,714 $1,022,442
21 243 $18,576 $1,832 $16,744 $1,005,698
21 244 $18,576 $1,802 $16,774 $988,924
21 245 $18,576 $1,772 $16,804 $972,120
21 246 $18,576 $1,742 $16,834 $955,285
21 247 $18,576 $1,712 $16,864 $938,421
21 248 $18,576 $1,681 $16,895 $921,527
21 249 $18,576 $1,651 $16,925 $904,602
21 250 $18,576 $1,621 $16,955 $887,647
21 251 $18,576 $1,590 $16,986 $870,661
21 252 $18,576 $1,560 $17,016 $853,645
22 253 $18,576 $1,529 $17,046 $836,599
22 254 $18,576 $1,499 $17,077 $819,522
22 255 $18,576 $1,468 $17,108 $802,414
22 256 $18,576 $1,438 $17,138 $785,276
22 257 $18,576 $1,407 $17,169 $768,107
22 258 $18,576 $1,376 $17,200 $750,907
22 259 $18,576 $1,345 $17,231 $733,677
22 260 $18,576 $1,315 $17,261 $716,416
22 261 $18,576 $1,284 $17,292 $699,123
22 262 $18,576 $1,253 $17,323 $681,800
22 263 $18,576 $1,222 $17,354 $664,446
22 264 $18,576 $1,190 $17,385 $647,060
23 265 $18,576 $1,159 $17,417 $629,644
23 266 $18,576 $1,128 $17,448 $612,196
23 267 $18,576 $1,097 $17,479 $594,717
23 268 $18,576 $1,066 $17,510 $577,207
23 269 $18,576 $1,034 $17,542 $559,665
23 270 $18,576 $1,003 $17,573 $542,092
23 271 $18,576 $971 $17,605 $524,487
23 272 $18,576 $940 $17,636 $506,851
23 273 $18,576 $908 $17,668 $489,183
23 274 $18,576 $876 $17,699 $471,484
23 275 $18,576 $845 $17,731 $453,753
23 276 $18,576 $813 $17,763 $435,990
24 277 $18,576 $781 $17,795 $418,195
24 278 $18,576 $749 $17,827 $400,368
24 279 $18,576 $717 $17,859 $382,510
24 280 $18,576 $685 $17,891 $364,619
24 281 $18,576 $653 $17,923 $346,697
24 282 $18,576 $621 $17,955 $328,742
24 283 $18,576 $589 $17,987 $310,755
24 284 $18,576 $557 $18,019 $292,736
24 285 $18,576 $524 $18,051 $274,685
24 286 $18,576 $492 $18,084 $256,601
24 287 $18,576 $460 $18,116 $238,485
24 288 $18,576 $427 $18,149 $220,336
25 289 $18,576 $395 $18,181 $202,155
25 290 $18,576 $362 $18,214 $183,941
25 291 $18,576 $330 $18,246 $165,695
25 292 $18,576 $297 $18,279 $147,416
25 293 $18,576 $264 $18,312 $129,104
25 294 $18,576 $231 $18,345 $110,760
25 295 $18,576 $198 $18,377 $92,382
25 296 $18,576 $166 $18,410 $73,972
25 297 $18,576 $133 $18,443 $55,529
25 298 $18,576 $99 $18,476 $37,052
25 299 $18,576 $66 $18,509 $18,543
25 300 $18,576 $33 $18,543 $0