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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$ 7,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 7,175,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$7,000,000
 
Monthly Repayment (HKD)
$45,275
Loan Amount (HKD)
$10,500,000
+
Total Interest (HKD)
$3,082,640
=
Total Repayment (HKD)
$13,582,640
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $45,275 $18,813 $26,463 $10,473,537
1 2 $45,275 $18,765 $26,510 $10,447,027
1 3 $45,275 $18,718 $26,558 $10,420,469
1 4 $45,275 $18,670 $26,605 $10,393,863
1 5 $45,275 $18,622 $26,653 $10,367,210
1 6 $45,275 $18,575 $26,701 $10,340,509
1 7 $45,275 $18,527 $26,749 $10,313,761
1 8 $45,275 $18,479 $26,797 $10,286,964
1 9 $45,275 $18,431 $26,845 $10,260,119
1 10 $45,275 $18,383 $26,893 $10,233,227
1 11 $45,275 $18,335 $26,941 $10,206,286
1 12 $45,275 $18,286 $26,989 $10,179,296
2 13 $45,275 $18,238 $27,038 $10,152,259
2 14 $45,275 $18,189 $27,086 $10,125,173
2 15 $45,275 $18,141 $27,135 $10,098,038
2 16 $45,275 $18,092 $27,183 $10,070,855
2 17 $45,275 $18,044 $27,232 $10,043,623
2 18 $45,275 $17,995 $27,281 $10,016,343
2 19 $45,275 $17,946 $27,330 $9,989,013
2 20 $45,275 $17,897 $27,378 $9,961,635
2 21 $45,275 $17,848 $27,428 $9,934,207
2 22 $45,275 $17,799 $27,477 $9,906,730
2 23 $45,275 $17,750 $27,526 $9,879,205
2 24 $45,275 $17,700 $27,575 $9,851,629
3 25 $45,275 $17,651 $27,625 $9,824,005
3 26 $45,275 $17,601 $27,674 $9,796,331
3 27 $45,275 $17,552 $27,724 $9,768,607
3 28 $45,275 $17,502 $27,773 $9,740,834
3 29 $45,275 $17,452 $27,823 $9,713,010
3 30 $45,275 $17,402 $27,873 $9,685,137
3 31 $45,275 $17,353 $27,923 $9,657,214
3 32 $45,275 $17,303 $27,973 $9,629,241
3 33 $45,275 $17,252 $28,023 $9,601,218
3 34 $45,275 $17,202 $28,073 $9,573,145
3 35 $45,275 $17,152 $28,124 $9,545,022
3 36 $45,275 $17,101 $28,174 $9,516,848
4 37 $45,275 $17,051 $28,224 $9,488,623
4 38 $45,275 $17,000 $28,275 $9,460,348
4 39 $45,275 $16,950 $28,326 $9,432,022
4 40 $45,275 $16,899 $28,376 $9,403,646
4 41 $45,275 $16,848 $28,427 $9,375,219
4 42 $45,275 $16,797 $28,478 $9,346,741
4 43 $45,275 $16,746 $28,529 $9,318,211
4 44 $45,275 $16,695 $28,580 $9,289,631
4 45 $45,275 $16,644 $28,632 $9,260,999
4 46 $45,275 $16,593 $28,683 $9,232,317
4 47 $45,275 $16,541 $28,734 $9,203,582
4 48 $45,275 $16,490 $28,786 $9,174,797
5 49 $45,275 $16,438 $28,837 $9,145,959
5 50 $45,275 $16,387 $28,889 $9,117,070
5 51 $45,275 $16,335 $28,941 $9,088,130
5 52 $45,275 $16,283 $28,993 $9,059,137
5 53 $45,275 $16,231 $29,045 $9,030,093
5 54 $45,275 $16,179 $29,097 $9,000,996
5 55 $45,275 $16,127 $29,149 $8,971,847
5 56 $45,275 $16,075 $29,201 $8,942,647
5 57 $45,275 $16,022 $29,253 $8,913,393
5 58 $45,275 $15,970 $29,306 $8,884,088
5 59 $45,275 $15,917 $29,358 $8,854,730
5 60 $45,275 $15,865 $29,411 $8,825,319
6 61 $45,275 $15,812 $29,463 $8,795,855
6 62 $45,275 $15,759 $29,516 $8,766,339
6 63 $45,275 $15,706 $29,569 $8,736,770
6 64 $45,275 $15,653 $29,622 $8,707,148
6 65 $45,275 $15,600 $29,675 $8,677,473
6 66 $45,275 $15,547 $29,728 $8,647,744
6 67 $45,275 $15,494 $29,782 $8,617,963
6 68 $45,275 $15,441 $29,835 $8,588,128
6 69 $45,275 $15,387 $29,888 $8,558,239
6 70 $45,275 $15,334 $29,942 $8,528,298
6 71 $45,275 $15,280 $29,996 $8,498,302
6 72 $45,275 $15,226 $30,049 $8,468,253
7 73 $45,275 $15,172 $30,103 $8,438,149
7 74 $45,275 $15,118 $30,157 $8,407,992
7 75 $45,275 $15,064 $30,211 $8,377,781
7 76 $45,275 $15,010 $30,265 $8,347,516
7 77 $45,275 $14,956 $30,319 $8,317,196
7 78 $45,275 $14,902 $30,374 $8,286,823
7 79 $45,275 $14,847 $30,428 $8,256,394
7 80 $45,275 $14,793 $30,483 $8,225,912
7 81 $45,275 $14,738 $30,537 $8,195,374
7 82 $45,275 $14,683 $30,592 $8,164,782
7 83 $45,275 $14,629 $30,647 $8,134,135
7 84 $45,275 $14,574 $30,702 $8,103,433
8 85 $45,275 $14,519 $30,757 $8,072,677
8 86 $45,275 $14,464 $30,812 $8,041,865
8 87 $45,275 $14,408 $30,867 $8,010,998
8 88 $45,275 $14,353 $30,922 $7,980,075
8 89 $45,275 $14,298 $30,978 $7,949,097
8 90 $45,275 $14,242 $31,033 $7,918,064
8 91 $45,275 $14,187 $31,089 $7,886,975
8 92 $45,275 $14,131 $31,145 $7,855,830
8 93 $45,275 $14,075 $31,200 $7,824,630
8 94 $45,275 $14,019 $31,256 $7,793,374
8 95 $45,275 $13,963 $31,312 $7,762,061
8 96 $45,275 $13,907 $31,368 $7,730,693
9 97 $45,275 $13,851 $31,425 $7,699,268
9 98 $45,275 $13,795 $31,481 $7,667,787
9 99 $45,275 $13,738 $31,537 $7,636,250
9 100 $45,275 $13,682 $31,594 $7,604,656
9 101 $45,275 $13,625 $31,650 $7,573,006
9 102 $45,275 $13,568 $31,707 $7,541,298
9 103 $45,275 $13,511 $31,764 $7,509,534
9 104 $45,275 $13,455 $31,821 $7,477,714
9 105 $45,275 $13,398 $31,878 $7,445,836
9 106 $45,275 $13,340 $31,935 $7,413,901
9 107 $45,275 $13,283 $31,992 $7,381,908
9 108 $45,275 $13,226 $32,050 $7,349,859
10 109 $45,275 $13,168 $32,107 $7,317,752
10 110 $45,275 $13,111 $32,164 $7,285,587
10 111 $45,275 $13,053 $32,222 $7,253,365
10 112 $45,275 $12,996 $32,280 $7,221,085
10 113 $45,275 $12,938 $32,338 $7,188,748
10 114 $45,275 $12,880 $32,396 $7,156,352
10 115 $45,275 $12,822 $32,454 $7,123,898
10 116 $45,275 $12,764 $32,512 $7,091,387
10 117 $45,275 $12,705 $32,570 $7,058,817
10 118 $45,275 $12,647 $32,628 $7,026,188
10 119 $45,275 $12,589 $32,687 $6,993,501
10 120 $45,275 $12,530 $32,745 $6,960,756
11 121 $45,275 $12,471 $32,804 $6,927,952
11 122 $45,275 $12,413 $32,863 $6,895,089
11 123 $45,275 $12,354 $32,922 $6,862,167
11 124 $45,275 $12,295 $32,981 $6,829,186
11 125 $45,275 $12,236 $33,040 $6,796,147
11 126 $45,275 $12,176 $33,099 $6,763,047
11 127 $45,275 $12,117 $33,158 $6,729,889
11 128 $45,275 $12,058 $33,218 $6,696,671
11 129 $45,275 $11,998 $33,277 $6,663,394
11 130 $45,275 $11,939 $33,337 $6,630,057
11 131 $45,275 $11,879 $33,397 $6,596,661
11 132 $45,275 $11,819 $33,456 $6,563,204
12 133 $45,275 $11,759 $33,516 $6,529,688
12 134 $45,275 $11,699 $33,576 $6,496,111
12 135 $45,275 $11,639 $33,637 $6,462,475
12 136 $45,275 $11,579 $33,697 $6,428,778
12 137 $45,275 $11,518 $33,757 $6,395,021
12 138 $45,275 $11,458 $33,818 $6,361,203
12 139 $45,275 $11,397 $33,878 $6,327,325
12 140 $45,275 $11,336 $33,939 $6,293,386
12 141 $45,275 $11,276 $34,000 $6,259,386
12 142 $45,275 $11,215 $34,061 $6,225,325
12 143 $45,275 $11,154 $34,122 $6,191,203
12 144 $45,275 $11,093 $34,183 $6,157,020
13 145 $45,275 $11,031 $34,244 $6,122,776
13 146 $45,275 $10,970 $34,305 $6,088,471
13 147 $45,275 $10,909 $34,367 $6,054,104
13 148 $45,275 $10,847 $34,429 $6,019,675
13 149 $45,275 $10,785 $34,490 $5,985,185
13 150 $45,275 $10,723 $34,552 $5,950,633
13 151 $45,275 $10,662 $34,614 $5,916,019
13 152 $45,275 $10,600 $34,676 $5,881,343
13 153 $45,275 $10,537 $34,738 $5,846,605
13 154 $45,275 $10,475 $34,800 $5,811,805
13 155 $45,275 $10,413 $34,863 $5,776,942
13 156 $45,275 $10,350 $34,925 $5,742,017
14 157 $45,275 $10,288 $34,988 $5,707,029
14 158 $45,275 $10,225 $35,050 $5,671,979
14 159 $45,275 $10,162 $35,113 $5,636,866
14 160 $45,275 $10,099 $35,176 $5,601,690
14 161 $45,275 $10,036 $35,239 $5,566,451
14 162 $45,275 $9,973 $35,302 $5,531,148
14 163 $45,275 $9,910 $35,365 $5,495,783
14 164 $45,275 $9,847 $35,429 $5,460,354
14 165 $45,275 $9,783 $35,492 $5,424,862
14 166 $45,275 $9,720 $35,556 $5,389,306
14 167 $45,275 $9,656 $35,620 $5,353,686
14 168 $45,275 $9,592 $35,683 $5,318,003
15 169 $45,275 $9,528 $35,747 $5,282,255
15 170 $45,275 $9,464 $35,811 $5,246,444
15 171 $45,275 $9,400 $35,876 $5,210,568
15 172 $45,275 $9,336 $35,940 $5,174,629
15 173 $45,275 $9,271 $36,004 $5,138,624
15 174 $45,275 $9,207 $36,069 $5,102,556
15 175 $45,275 $9,142 $36,133 $5,066,422
15 176 $45,275 $9,077 $36,198 $5,030,224
15 177 $45,275 $9,012 $36,263 $4,993,961
15 178 $45,275 $8,948 $36,328 $4,957,633
15 179 $45,275 $8,882 $36,393 $4,921,240
15 180 $45,275 $8,817 $36,458 $4,884,782
16 181 $45,275 $8,752 $36,524 $4,848,258
16 182 $45,275 $8,686 $36,589 $4,811,669
16 183 $45,275 $8,621 $36,655 $4,775,015
16 184 $45,275 $8,555 $36,720 $4,738,294
16 185 $45,275 $8,489 $36,786 $4,701,508
16 186 $45,275 $8,424 $36,852 $4,664,657
16 187 $45,275 $8,358 $36,918 $4,627,739
16 188 $45,275 $8,291 $36,984 $4,590,754
16 189 $45,275 $8,225 $37,050 $4,553,704
16 190 $45,275 $8,159 $37,117 $4,516,587
16 191 $45,275 $8,092 $37,183 $4,479,404
16 192 $45,275 $8,026 $37,250 $4,442,154
17 193 $45,275 $7,959 $37,317 $4,404,838
17 194 $45,275 $7,892 $37,383 $4,367,454
17 195 $45,275 $7,825 $37,450 $4,330,004
17 196 $45,275 $7,758 $37,518 $4,292,486
17 197 $45,275 $7,691 $37,585 $4,254,901
17 198 $45,275 $7,623 $37,652 $4,217,249
17 199 $45,275 $7,556 $37,720 $4,179,530
17 200 $45,275 $7,488 $37,787 $4,141,743
17 201 $45,275 $7,421 $37,855 $4,103,888
17 202 $45,275 $7,353 $37,923 $4,065,965
17 203 $45,275 $7,285 $37,991 $4,027,974
17 204 $45,275 $7,217 $38,059 $3,989,916
18 205 $45,275 $7,149 $38,127 $3,951,789
18 206 $45,275 $7,080 $38,195 $3,913,594
18 207 $45,275 $7,012 $38,264 $3,875,330
18 208 $45,275 $6,943 $38,332 $3,836,998
18 209 $45,275 $6,875 $38,401 $3,798,597
18 210 $45,275 $6,806 $38,470 $3,760,128
18 211 $45,275 $6,737 $38,539 $3,721,589
18 212 $45,275 $6,668 $38,608 $3,682,981
18 213 $45,275 $6,599 $38,677 $3,644,305
18 214 $45,275 $6,529 $38,746 $3,605,558
18 215 $45,275 $6,460 $38,816 $3,566,743
18 216 $45,275 $6,390 $38,885 $3,527,858
19 217 $45,275 $6,321 $38,955 $3,488,903
19 218 $45,275 $6,251 $39,025 $3,449,879
19 219 $45,275 $6,181 $39,094 $3,410,784
19 220 $45,275 $6,111 $39,164 $3,371,620
19 221 $45,275 $6,041 $39,235 $3,332,385
19 222 $45,275 $5,971 $39,305 $3,293,080
19 223 $45,275 $5,900 $39,375 $3,253,705
19 224 $45,275 $5,830 $39,446 $3,214,259
19 225 $45,275 $5,759 $39,517 $3,174,742
19 226 $45,275 $5,688 $39,587 $3,135,155
19 227 $45,275 $5,617 $39,658 $3,095,497
19 228 $45,275 $5,546 $39,729 $3,055,767
20 229 $45,275 $5,475 $39,801 $3,015,967
20 230 $45,275 $5,404 $39,872 $2,976,095
20 231 $45,275 $5,332 $39,943 $2,936,152
20 232 $45,275 $5,261 $40,015 $2,896,137
20 233 $45,275 $5,189 $40,087 $2,856,050
20 234 $45,275 $5,117 $40,158 $2,815,892
20 235 $45,275 $5,045 $40,230 $2,775,661
20 236 $45,275 $4,973 $40,302 $2,735,359
20 237 $45,275 $4,901 $40,375 $2,694,984
20 238 $45,275 $4,829 $40,447 $2,654,537
20 239 $45,275 $4,756 $40,519 $2,614,018
20 240 $45,275 $4,683 $40,592 $2,573,426
21 241 $45,275 $4,611 $40,665 $2,532,761
21 242 $45,275 $4,538 $40,738 $2,492,024
21 243 $45,275 $4,465 $40,811 $2,451,213
21 244 $45,275 $4,392 $40,884 $2,410,329
21 245 $45,275 $4,319 $40,957 $2,369,372
21 246 $45,275 $4,245 $41,030 $2,328,342
21 247 $45,275 $4,172 $41,104 $2,287,238
21 248 $45,275 $4,098 $41,177 $2,246,061
21 249 $45,275 $4,024 $41,251 $2,204,809
21 250 $45,275 $3,950 $41,325 $2,163,484
21 251 $45,275 $3,876 $41,399 $2,122,085
21 252 $45,275 $3,802 $41,473 $2,080,612
22 253 $45,275 $3,728 $41,548 $2,039,064
22 254 $45,275 $3,653 $41,622 $1,997,442
22 255 $45,275 $3,579 $41,697 $1,955,745
22 256 $45,275 $3,504 $41,771 $1,913,974
22 257 $45,275 $3,429 $41,846 $1,872,127
22 258 $45,275 $3,354 $41,921 $1,830,206
22 259 $45,275 $3,279 $41,996 $1,788,210
22 260 $45,275 $3,204 $42,072 $1,746,138
22 261 $45,275 $3,128 $42,147 $1,703,991
22 262 $45,275 $3,053 $42,222 $1,661,769
22 263 $45,275 $2,977 $42,298 $1,619,471
22 264 $45,275 $2,902 $42,374 $1,577,097
23 265 $45,275 $2,826 $42,450 $1,534,647
23 266 $45,275 $2,750 $42,526 $1,492,121
23 267 $45,275 $2,673 $42,602 $1,449,519
23 268 $45,275 $2,597 $42,678 $1,406,841
23 269 $45,275 $2,521 $42,755 $1,364,086
23 270 $45,275 $2,444 $42,831 $1,321,254
23 271 $45,275 $2,367 $42,908 $1,278,346
23 272 $45,275 $2,290 $42,985 $1,235,361
23 273 $45,275 $2,213 $43,062 $1,192,299
23 274 $45,275 $2,136 $43,139 $1,149,159
23 275 $45,275 $2,059 $43,217 $1,105,943
23 276 $45,275 $1,981 $43,294 $1,062,649
24 277 $45,275 $1,904 $43,372 $1,019,277
24 278 $45,275 $1,826 $43,449 $975,828
24 279 $45,275 $1,748 $43,527 $932,301
24 280 $45,275 $1,670 $43,605 $888,696
24 281 $45,275 $1,592 $43,683 $845,013
24 282 $45,275 $1,514 $43,761 $801,251
24 283 $45,275 $1,436 $43,840 $757,411
24 284 $45,275 $1,357 $43,918 $713,493
24 285 $45,275 $1,278 $43,997 $669,496
24 286 $45,275 $1,200 $44,076 $625,420
24 287 $45,275 $1,121 $44,155 $581,265
24 288 $45,275 $1,041 $44,234 $537,031
25 289 $45,275 $962 $44,313 $492,718
25 290 $45,275 $883 $44,393 $448,325
25 291 $45,275 $803 $44,472 $403,853
25 292 $45,275 $724 $44,552 $359,301
25 293 $45,275 $644 $44,632 $314,669
25 294 $45,275 $564 $44,712 $269,957
25 295 $45,275 $484 $44,792 $225,166
25 296 $45,275 $403 $44,872 $180,294
25 297 $45,275 $323 $44,952 $135,341
25 298 $45,275 $242 $45,033 $90,308
25 299 $45,275 $162 $45,114 $45,194
25 300 $45,275 $81 $45,194 $0