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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$ 6,956,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 7,129,900
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$6,956,000
 
Monthly Repayment (HKD)
$44,991
Loan Amount (HKD)
$10,434,000
+
Total Interest (HKD)
$3,063,263
=
Total Repayment (HKD)
$13,497,263
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $44,991 $18,694 $26,297 $10,407,703
1 2 $44,991 $18,647 $26,344 $10,381,360
1 3 $44,991 $18,600 $26,391 $10,354,969
1 4 $44,991 $18,553 $26,438 $10,328,530
1 5 $44,991 $18,505 $26,486 $10,302,045
1 6 $44,991 $18,458 $26,533 $10,275,512
1 7 $44,991 $18,410 $26,581 $10,248,931
1 8 $44,991 $18,363 $26,628 $10,222,303
1 9 $44,991 $18,315 $26,676 $10,195,627
1 10 $44,991 $18,267 $26,724 $10,168,903
1 11 $44,991 $18,219 $26,772 $10,142,132
1 12 $44,991 $18,171 $26,820 $10,115,312
2 13 $44,991 $18,123 $26,868 $10,088,445
2 14 $44,991 $18,075 $26,916 $10,061,529
2 15 $44,991 $18,027 $26,964 $10,034,565
2 16 $44,991 $17,979 $27,012 $10,007,553
2 17 $44,991 $17,930 $27,061 $9,980,492
2 18 $44,991 $17,882 $27,109 $9,953,383
2 19 $44,991 $17,833 $27,158 $9,926,225
2 20 $44,991 $17,784 $27,206 $9,899,019
2 21 $44,991 $17,736 $27,255 $9,871,764
2 22 $44,991 $17,687 $27,304 $9,844,460
2 23 $44,991 $17,638 $27,353 $9,817,107
2 24 $44,991 $17,589 $27,402 $9,789,705
3 25 $44,991 $17,540 $27,451 $9,762,254
3 26 $44,991 $17,491 $27,500 $9,734,754
3 27 $44,991 $17,441 $27,549 $9,707,204
3 28 $44,991 $17,392 $27,599 $9,679,605
3 29 $44,991 $17,343 $27,648 $9,651,957
3 30 $44,991 $17,293 $27,698 $9,624,259
3 31 $44,991 $17,243 $27,747 $9,596,512
3 32 $44,991 $17,194 $27,797 $9,568,715
3 33 $44,991 $17,144 $27,847 $9,540,868
3 34 $44,991 $17,094 $27,897 $9,512,971
3 35 $44,991 $17,044 $27,947 $9,485,024
3 36 $44,991 $16,994 $27,997 $9,457,027
4 37 $44,991 $16,944 $28,047 $9,428,980
4 38 $44,991 $16,894 $28,097 $9,400,883
4 39 $44,991 $16,843 $28,148 $9,372,735
4 40 $44,991 $16,793 $28,198 $9,344,537
4 41 $44,991 $16,742 $28,249 $9,316,289
4 42 $44,991 $16,692 $28,299 $9,287,990
4 43 $44,991 $16,641 $28,350 $9,259,640
4 44 $44,991 $16,590 $28,401 $9,231,239
4 45 $44,991 $16,539 $28,452 $9,202,787
4 46 $44,991 $16,488 $28,503 $9,174,285
4 47 $44,991 $16,437 $28,554 $9,145,731
4 48 $44,991 $16,386 $28,605 $9,117,127
5 49 $44,991 $16,335 $28,656 $9,088,470
5 50 $44,991 $16,284 $28,707 $9,059,763
5 51 $44,991 $16,232 $28,759 $9,031,004
5 52 $44,991 $16,181 $28,810 $9,002,194
5 53 $44,991 $16,129 $28,862 $8,973,332
5 54 $44,991 $16,077 $28,914 $8,944,418
5 55 $44,991 $16,025 $28,965 $8,915,453
5 56 $44,991 $15,974 $29,017 $8,886,436
5 57 $44,991 $15,922 $29,069 $8,857,366
5 58 $44,991 $15,869 $29,121 $8,828,245
5 59 $44,991 $15,817 $29,174 $8,799,071
5 60 $44,991 $15,765 $29,226 $8,769,845
6 61 $44,991 $15,713 $29,278 $8,740,567
6 62 $44,991 $15,660 $29,331 $8,711,236
6 63 $44,991 $15,608 $29,383 $8,681,853
6 64 $44,991 $15,555 $29,436 $8,652,417
6 65 $44,991 $15,502 $29,489 $8,622,929
6 66 $44,991 $15,449 $29,541 $8,593,387
6 67 $44,991 $15,396 $29,594 $8,563,793
6 68 $44,991 $15,343 $29,647 $8,534,145
6 69 $44,991 $15,290 $29,701 $8,504,445
6 70 $44,991 $15,237 $29,754 $8,474,691
6 71 $44,991 $15,184 $29,807 $8,444,884
6 72 $44,991 $15,130 $29,860 $8,415,024
7 73 $44,991 $15,077 $29,914 $8,385,110
7 74 $44,991 $15,023 $29,968 $8,355,142
7 75 $44,991 $14,970 $30,021 $8,325,121
7 76 $44,991 $14,916 $30,075 $8,295,046
7 77 $44,991 $14,862 $30,129 $8,264,917
7 78 $44,991 $14,808 $30,183 $8,234,734
7 79 $44,991 $14,754 $30,237 $8,204,497
7 80 $44,991 $14,700 $30,291 $8,174,206
7 81 $44,991 $14,645 $30,345 $8,143,860
7 82 $44,991 $14,591 $30,400 $8,113,461
7 83 $44,991 $14,537 $30,454 $8,083,006
7 84 $44,991 $14,482 $30,509 $8,052,498
8 85 $44,991 $14,427 $30,563 $8,021,934
8 86 $44,991 $14,373 $30,618 $7,991,316
8 87 $44,991 $14,318 $30,673 $7,960,643
8 88 $44,991 $14,263 $30,728 $7,929,915
8 89 $44,991 $14,208 $30,783 $7,899,132
8 90 $44,991 $14,153 $30,838 $7,868,293
8 91 $44,991 $14,097 $30,894 $7,837,400
8 92 $44,991 $14,042 $30,949 $7,806,451
8 93 $44,991 $13,987 $31,004 $7,775,447
8 94 $44,991 $13,931 $31,060 $7,744,387
8 95 $44,991 $13,875 $31,116 $7,713,271
8 96 $44,991 $13,820 $31,171 $7,682,100
9 97 $44,991 $13,764 $31,227 $7,650,873
9 98 $44,991 $13,708 $31,283 $7,619,590
9 99 $44,991 $13,652 $31,339 $7,588,251
9 100 $44,991 $13,596 $31,395 $7,556,855
9 101 $44,991 $13,539 $31,452 $7,525,404
9 102 $44,991 $13,483 $31,508 $7,493,896
9 103 $44,991 $13,427 $31,564 $7,462,332
9 104 $44,991 $13,370 $31,621 $7,430,711
9 105 $44,991 $13,313 $31,678 $7,399,033
9 106 $44,991 $13,257 $31,734 $7,367,299
9 107 $44,991 $13,200 $31,791 $7,335,508
9 108 $44,991 $13,143 $31,848 $7,303,660
10 109 $44,991 $13,086 $31,905 $7,271,755
10 110 $44,991 $13,029 $31,962 $7,239,792
10 111 $44,991 $12,971 $32,020 $7,207,773
10 112 $44,991 $12,914 $32,077 $7,175,696
10 113 $44,991 $12,856 $32,134 $7,143,561
10 114 $44,991 $12,799 $32,192 $7,111,369
10 115 $44,991 $12,741 $32,250 $7,079,120
10 116 $44,991 $12,683 $32,307 $7,046,812
10 117 $44,991 $12,626 $32,365 $7,014,447
10 118 $44,991 $12,568 $32,423 $6,982,024
10 119 $44,991 $12,509 $32,481 $6,949,542
10 120 $44,991 $12,451 $32,540 $6,917,003
11 121 $44,991 $12,393 $32,598 $6,884,405
11 122 $44,991 $12,335 $32,656 $6,851,748
11 123 $44,991 $12,276 $32,715 $6,819,033
11 124 $44,991 $12,217 $32,773 $6,786,260
11 125 $44,991 $12,159 $32,832 $6,753,428
11 126 $44,991 $12,100 $32,891 $6,720,537
11 127 $44,991 $12,041 $32,950 $6,687,587
11 128 $44,991 $11,982 $33,009 $6,654,578
11 129 $44,991 $11,923 $33,068 $6,621,510
11 130 $44,991 $11,864 $33,127 $6,588,383
11 131 $44,991 $11,804 $33,187 $6,555,196
11 132 $44,991 $11,745 $33,246 $6,521,950
12 133 $44,991 $11,685 $33,306 $6,488,644
12 134 $44,991 $11,625 $33,365 $6,455,279
12 135 $44,991 $11,566 $33,425 $6,421,853
12 136 $44,991 $11,506 $33,485 $6,388,368
12 137 $44,991 $11,446 $33,545 $6,354,823
12 138 $44,991 $11,386 $33,605 $6,321,218
12 139 $44,991 $11,326 $33,665 $6,287,553
12 140 $44,991 $11,265 $33,726 $6,253,827
12 141 $44,991 $11,205 $33,786 $6,220,041
12 142 $44,991 $11,144 $33,847 $6,186,194
12 143 $44,991 $11,084 $33,907 $6,152,287
12 144 $44,991 $11,023 $33,968 $6,118,319
13 145 $44,991 $10,962 $34,029 $6,084,290
13 146 $44,991 $10,901 $34,090 $6,050,200
13 147 $44,991 $10,840 $34,151 $6,016,049
13 148 $44,991 $10,779 $34,212 $5,981,837
13 149 $44,991 $10,717 $34,273 $5,947,564
13 150 $44,991 $10,656 $34,335 $5,913,229
13 151 $44,991 $10,595 $34,396 $5,878,833
13 152 $44,991 $10,533 $34,458 $5,844,375
13 153 $44,991 $10,471 $34,520 $5,809,855
13 154 $44,991 $10,409 $34,582 $5,775,274
13 155 $44,991 $10,347 $34,644 $5,740,630
13 156 $44,991 $10,285 $34,706 $5,705,924
14 157 $44,991 $10,223 $34,768 $5,671,157
14 158 $44,991 $10,161 $34,830 $5,636,327
14 159 $44,991 $10,098 $34,892 $5,601,434
14 160 $44,991 $10,036 $34,955 $5,566,479
14 161 $44,991 $9,973 $35,018 $5,531,462
14 162 $44,991 $9,911 $35,080 $5,496,381
14 163 $44,991 $9,848 $35,143 $5,461,238
14 164 $44,991 $9,785 $35,206 $5,426,032
14 165 $44,991 $9,722 $35,269 $5,390,763
14 166 $44,991 $9,658 $35,332 $5,355,430
14 167 $44,991 $9,595 $35,396 $5,320,035
14 168 $44,991 $9,532 $35,459 $5,284,575
15 169 $44,991 $9,468 $35,523 $5,249,053
15 170 $44,991 $9,405 $35,586 $5,213,466
15 171 $44,991 $9,341 $35,650 $5,177,816
15 172 $44,991 $9,277 $35,714 $5,142,102
15 173 $44,991 $9,213 $35,778 $5,106,324
15 174 $44,991 $9,149 $35,842 $5,070,482
15 175 $44,991 $9,085 $35,906 $5,034,576
15 176 $44,991 $9,020 $35,971 $4,998,605
15 177 $44,991 $8,956 $36,035 $4,962,570
15 178 $44,991 $8,891 $36,100 $4,926,471
15 179 $44,991 $8,827 $36,164 $4,890,307
15 180 $44,991 $8,762 $36,229 $4,854,077
16 181 $44,991 $8,697 $36,294 $4,817,783
16 182 $44,991 $8,632 $36,359 $4,781,424
16 183 $44,991 $8,567 $36,424 $4,745,000
16 184 $44,991 $8,501 $36,489 $4,708,511
16 185 $44,991 $8,436 $36,555 $4,671,956
16 186 $44,991 $8,371 $36,620 $4,635,336
16 187 $44,991 $8,305 $36,686 $4,598,650
16 188 $44,991 $8,239 $36,752 $4,561,898
16 189 $44,991 $8,173 $36,817 $4,525,081
16 190 $44,991 $8,107 $36,883 $4,488,197
16 191 $44,991 $8,041 $36,950 $4,451,248
16 192 $44,991 $7,975 $37,016 $4,414,232
17 193 $44,991 $7,909 $37,082 $4,377,150
17 194 $44,991 $7,842 $37,148 $4,340,002
17 195 $44,991 $7,776 $37,215 $4,302,787
17 196 $44,991 $7,709 $37,282 $4,265,505
17 197 $44,991 $7,642 $37,349 $4,228,156
17 198 $44,991 $7,575 $37,415 $4,190,741
17 199 $44,991 $7,508 $37,482 $4,153,258
17 200 $44,991 $7,441 $37,550 $4,115,709
17 201 $44,991 $7,374 $37,617 $4,078,092
17 202 $44,991 $7,307 $37,684 $4,040,408
17 203 $44,991 $7,239 $37,752 $4,002,656
17 204 $44,991 $7,171 $37,819 $3,964,836
18 205 $44,991 $7,104 $37,887 $3,926,949
18 206 $44,991 $7,036 $37,955 $3,888,994
18 207 $44,991 $6,968 $38,023 $3,850,971
18 208 $44,991 $6,900 $38,091 $3,812,880
18 209 $44,991 $6,831 $38,159 $3,774,720
18 210 $44,991 $6,763 $38,228 $3,736,492
18 211 $44,991 $6,695 $38,296 $3,698,196
18 212 $44,991 $6,626 $38,365 $3,659,831
18 213 $44,991 $6,557 $38,434 $3,621,397
18 214 $44,991 $6,488 $38,503 $3,582,895
18 215 $44,991 $6,419 $38,572 $3,544,323
18 216 $44,991 $6,350 $38,641 $3,505,683
19 217 $44,991 $6,281 $38,710 $3,466,973
19 218 $44,991 $6,212 $38,779 $3,428,194
19 219 $44,991 $6,142 $38,849 $3,389,345
19 220 $44,991 $6,073 $38,918 $3,350,427
19 221 $44,991 $6,003 $38,988 $3,311,439
19 222 $44,991 $5,933 $39,058 $3,272,381
19 223 $44,991 $5,863 $39,128 $3,233,253
19 224 $44,991 $5,793 $39,198 $3,194,055
19 225 $44,991 $5,723 $39,268 $3,154,787
19 226 $44,991 $5,652 $39,339 $3,115,448
19 227 $44,991 $5,582 $39,409 $3,076,039
19 228 $44,991 $5,511 $39,480 $3,036,560
20 229 $44,991 $5,441 $39,550 $2,997,009
20 230 $44,991 $5,370 $39,621 $2,957,388
20 231 $44,991 $5,299 $39,692 $2,917,696
20 232 $44,991 $5,228 $39,763 $2,877,932
20 233 $44,991 $5,156 $39,835 $2,838,098
20 234 $44,991 $5,085 $39,906 $2,798,192
20 235 $44,991 $5,013 $39,977 $2,758,214
20 236 $44,991 $4,942 $40,049 $2,718,165
20 237 $44,991 $4,870 $40,121 $2,678,045
20 238 $44,991 $4,798 $40,193 $2,637,852
20 239 $44,991 $4,726 $40,265 $2,597,587
20 240 $44,991 $4,654 $40,337 $2,557,250
21 241 $44,991 $4,582 $40,409 $2,516,841
21 242 $44,991 $4,509 $40,482 $2,476,360
21 243 $44,991 $4,437 $40,554 $2,435,805
21 244 $44,991 $4,364 $40,627 $2,395,179
21 245 $44,991 $4,291 $40,700 $2,354,479
21 246 $44,991 $4,218 $40,772 $2,313,707
21 247 $44,991 $4,145 $40,845 $2,272,861
21 248 $44,991 $4,072 $40,919 $2,231,943
21 249 $44,991 $3,999 $40,992 $2,190,951
21 250 $44,991 $3,925 $41,065 $2,149,885
21 251 $44,991 $3,852 $41,139 $2,108,746
21 252 $44,991 $3,778 $41,213 $2,067,534
22 253 $44,991 $3,704 $41,287 $2,026,247
22 254 $44,991 $3,630 $41,361 $1,984,886
22 255 $44,991 $3,556 $41,435 $1,943,452
22 256 $44,991 $3,482 $41,509 $1,901,943
22 257 $44,991 $3,408 $41,583 $1,860,360
22 258 $44,991 $3,333 $41,658 $1,818,702
22 259 $44,991 $3,259 $41,732 $1,776,970
22 260 $44,991 $3,184 $41,807 $1,735,163
22 261 $44,991 $3,109 $41,882 $1,693,280
22 262 $44,991 $3,034 $41,957 $1,651,323
22 263 $44,991 $2,959 $42,032 $1,609,291
22 264 $44,991 $2,883 $42,108 $1,567,184
23 265 $44,991 $2,808 $42,183 $1,525,001
23 266 $44,991 $2,732 $42,259 $1,482,742
23 267 $44,991 $2,657 $42,334 $1,440,408
23 268 $44,991 $2,581 $42,410 $1,397,998
23 269 $44,991 $2,505 $42,486 $1,355,511
23 270 $44,991 $2,429 $42,562 $1,312,949
23 271 $44,991 $2,352 $42,639 $1,270,311
23 272 $44,991 $2,276 $42,715 $1,227,596
23 273 $44,991 $2,199 $42,791 $1,184,804
23 274 $44,991 $2,123 $42,868 $1,141,936
23 275 $44,991 $2,046 $42,945 $1,098,991
23 276 $44,991 $1,969 $43,022 $1,055,969
24 277 $44,991 $1,892 $43,099 $1,012,871
24 278 $44,991 $1,815 $43,176 $969,694
24 279 $44,991 $1,737 $43,254 $926,441
24 280 $44,991 $1,660 $43,331 $883,110
24 281 $44,991 $1,582 $43,409 $839,701
24 282 $44,991 $1,504 $43,486 $796,215
24 283 $44,991 $1,427 $43,564 $752,650
24 284 $44,991 $1,348 $43,642 $709,008
24 285 $44,991 $1,270 $43,721 $665,288
24 286 $44,991 $1,192 $43,799 $621,489
24 287 $44,991 $1,114 $43,877 $577,611
24 288 $44,991 $1,035 $43,956 $533,655
25 289 $44,991 $956 $44,035 $489,621
25 290 $44,991 $877 $44,114 $445,507
25 291 $44,991 $798 $44,193 $401,314
25 292 $44,991 $719 $44,272 $357,042
25 293 $44,991 $640 $44,351 $312,691
25 294 $44,991 $560 $44,431 $268,261
25 295 $44,991 $481 $44,510 $223,750
25 296 $44,991 $401 $44,590 $179,160
25 297 $44,991 $321 $44,670 $134,490
25 298 $44,991 $241 $44,750 $89,741
25 299 $44,991 $161 $44,830 $44,910
25 300 $44,991 $80 $44,910 $0