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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$ 4,640,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 4,756,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$4,640,000
 
Monthly Repayment (HKD)
$30,011
Loan Amount (HKD)
$6,960,000
+
Total Interest (HKD)
$2,043,350
=
Total Repayment (HKD)
$9,003,350
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $30,011 $12,470 $17,541 $6,942,459
1 2 $30,011 $12,439 $17,573 $6,924,886
1 3 $30,011 $12,407 $17,604 $6,907,282
1 4 $30,011 $12,376 $17,636 $6,889,647
1 5 $30,011 $12,344 $17,667 $6,871,979
1 6 $30,011 $12,312 $17,699 $6,854,280
1 7 $30,011 $12,281 $17,731 $6,836,550
1 8 $30,011 $12,249 $17,762 $6,818,788
1 9 $30,011 $12,217 $17,794 $6,800,993
1 10 $30,011 $12,185 $17,826 $6,783,167
1 11 $30,011 $12,153 $17,858 $6,765,309
1 12 $30,011 $12,121 $17,890 $6,747,419
2 13 $30,011 $12,089 $17,922 $6,729,497
2 14 $30,011 $12,057 $17,954 $6,711,543
2 15 $30,011 $12,025 $17,986 $6,693,557
2 16 $30,011 $11,993 $18,019 $6,675,538
2 17 $30,011 $11,960 $18,051 $6,657,487
2 18 $30,011 $11,928 $18,083 $6,639,404
2 19 $30,011 $11,896 $18,116 $6,621,289
2 20 $30,011 $11,863 $18,148 $6,603,141
2 21 $30,011 $11,831 $18,181 $6,584,960
2 22 $30,011 $11,798 $18,213 $6,566,747
2 23 $30,011 $11,765 $18,246 $6,548,501
2 24 $30,011 $11,733 $18,278 $6,530,223
3 25 $30,011 $11,700 $18,311 $6,511,912
3 26 $30,011 $11,667 $18,344 $6,493,568
3 27 $30,011 $11,634 $18,377 $6,475,191
3 28 $30,011 $11,601 $18,410 $6,456,781
3 29 $30,011 $11,568 $18,443 $6,438,338
3 30 $30,011 $11,535 $18,476 $6,419,862
3 31 $30,011 $11,502 $18,509 $6,401,354
3 32 $30,011 $11,469 $18,542 $6,382,812
3 33 $30,011 $11,436 $18,575 $6,364,236
3 34 $30,011 $11,403 $18,609 $6,345,628
3 35 $30,011 $11,369 $18,642 $6,326,986
3 36 $30,011 $11,336 $18,675 $6,308,310
4 37 $30,011 $11,302 $18,709 $6,289,602
4 38 $30,011 $11,269 $18,742 $6,270,859
4 39 $30,011 $11,235 $18,776 $6,252,083
4 40 $30,011 $11,202 $18,810 $6,233,274
4 41 $30,011 $11,168 $18,843 $6,214,431
4 42 $30,011 $11,134 $18,877 $6,195,554
4 43 $30,011 $11,100 $18,911 $6,176,643
4 44 $30,011 $11,066 $18,945 $6,157,698
4 45 $30,011 $11,033 $18,979 $6,138,720
4 46 $30,011 $10,999 $19,013 $6,119,707
4 47 $30,011 $10,964 $19,047 $6,100,660
4 48 $30,011 $10,930 $19,081 $6,081,580
5 49 $30,011 $10,896 $19,115 $6,062,465
5 50 $30,011 $10,862 $19,149 $6,043,315
5 51 $30,011 $10,828 $19,184 $6,024,132
5 52 $30,011 $10,793 $19,218 $6,004,914
5 53 $30,011 $10,759 $19,252 $5,985,661
5 54 $30,011 $10,724 $19,287 $5,966,375
5 55 $30,011 $10,690 $19,321 $5,947,053
5 56 $30,011 $10,655 $19,356 $5,927,697
5 57 $30,011 $10,620 $19,391 $5,908,306
5 58 $30,011 $10,586 $19,425 $5,888,881
5 59 $30,011 $10,551 $19,460 $5,869,421
5 60 $30,011 $10,516 $19,495 $5,849,926
6 61 $30,011 $10,481 $19,530 $5,830,396
6 62 $30,011 $10,446 $19,565 $5,810,830
6 63 $30,011 $10,411 $19,600 $5,791,230
6 64 $30,011 $10,376 $19,635 $5,771,595
6 65 $30,011 $10,341 $19,670 $5,751,925
6 66 $30,011 $10,306 $19,706 $5,732,219
6 67 $30,011 $10,270 $19,741 $5,712,478
6 68 $30,011 $10,235 $19,776 $5,692,702
6 69 $30,011 $10,199 $19,812 $5,672,890
6 70 $30,011 $10,164 $19,847 $5,653,043
6 71 $30,011 $10,128 $19,883 $5,633,160
6 72 $30,011 $10,093 $19,918 $5,613,242
7 73 $30,011 $10,057 $19,954 $5,593,288
7 74 $30,011 $10,021 $19,990 $5,573,298
7 75 $30,011 $9,985 $20,026 $5,553,272
7 76 $30,011 $9,950 $20,062 $5,533,211
7 77 $30,011 $9,914 $20,097 $5,513,113
7 78 $30,011 $9,878 $20,134 $5,492,980
7 79 $30,011 $9,842 $20,170 $5,472,810
7 80 $30,011 $9,805 $20,206 $5,452,604
7 81 $30,011 $9,769 $20,242 $5,432,362
7 82 $30,011 $9,733 $20,278 $5,412,084
7 83 $30,011 $9,697 $20,315 $5,391,770
7 84 $30,011 $9,660 $20,351 $5,371,419
8 85 $30,011 $9,624 $20,387 $5,351,031
8 86 $30,011 $9,587 $20,424 $5,330,607
8 87 $30,011 $9,551 $20,460 $5,310,147
8 88 $30,011 $9,514 $20,497 $5,289,650
8 89 $30,011 $9,477 $20,534 $5,269,116
8 90 $30,011 $9,440 $20,571 $5,248,545
8 91 $30,011 $9,404 $20,608 $5,227,938
8 92 $30,011 $9,367 $20,644 $5,207,293
8 93 $30,011 $9,330 $20,681 $5,186,612
8 94 $30,011 $9,293 $20,718 $5,165,893
8 95 $30,011 $9,256 $20,756 $5,145,138
8 96 $30,011 $9,218 $20,793 $5,124,345
9 97 $30,011 $9,181 $20,830 $5,103,515
9 98 $30,011 $9,144 $20,867 $5,082,648
9 99 $30,011 $9,106 $20,905 $5,061,743
9 100 $30,011 $9,069 $20,942 $5,040,801
9 101 $30,011 $9,031 $20,980 $5,019,821
9 102 $30,011 $8,994 $21,017 $4,998,804
9 103 $30,011 $8,956 $21,055 $4,977,749
9 104 $30,011 $8,918 $21,093 $4,956,656
9 105 $30,011 $8,881 $21,130 $4,935,525
9 106 $30,011 $8,843 $21,168 $4,914,357
9 107 $30,011 $8,805 $21,206 $4,893,151
9 108 $30,011 $8,767 $21,244 $4,871,906
10 109 $30,011 $8,729 $21,282 $4,850,624
10 110 $30,011 $8,691 $21,320 $4,829,304
10 111 $30,011 $8,653 $21,359 $4,807,945
10 112 $30,011 $8,614 $21,397 $4,786,548
10 113 $30,011 $8,576 $21,435 $4,765,113
10 114 $30,011 $8,537 $21,474 $4,743,639
10 115 $30,011 $8,499 $21,512 $4,722,127
10 116 $30,011 $8,460 $21,551 $4,700,576
10 117 $30,011 $8,422 $21,589 $4,678,987
10 118 $30,011 $8,383 $21,628 $4,657,359
10 119 $30,011 $8,344 $21,667 $4,635,692
10 120 $30,011 $8,306 $21,706 $4,613,987
11 121 $30,011 $8,267 $21,744 $4,592,242
11 122 $30,011 $8,228 $21,783 $4,570,459
11 123 $30,011 $8,189 $21,822 $4,548,636
11 124 $30,011 $8,150 $21,862 $4,526,775
11 125 $30,011 $8,110 $21,901 $4,504,874
11 126 $30,011 $8,071 $21,940 $4,482,934
11 127 $30,011 $8,032 $21,979 $4,460,955
11 128 $30,011 $7,993 $22,019 $4,438,936
11 129 $30,011 $7,953 $22,058 $4,416,878
11 130 $30,011 $7,914 $22,098 $4,394,781
11 131 $30,011 $7,874 $22,137 $4,372,644
11 132 $30,011 $7,834 $22,177 $4,350,467
12 133 $30,011 $7,795 $22,217 $4,328,250
12 134 $30,011 $7,755 $22,256 $4,305,994
12 135 $30,011 $7,715 $22,296 $4,283,698
12 136 $30,011 $7,675 $22,336 $4,261,361
12 137 $30,011 $7,635 $22,376 $4,238,985
12 138 $30,011 $7,595 $22,416 $4,216,569
12 139 $30,011 $7,555 $22,456 $4,194,112
12 140 $30,011 $7,514 $22,497 $4,171,616
12 141 $30,011 $7,474 $22,537 $4,149,079
12 142 $30,011 $7,434 $22,577 $4,126,501
12 143 $30,011 $7,393 $22,618 $4,103,883
12 144 $30,011 $7,353 $22,658 $4,081,225
13 145 $30,011 $7,312 $22,699 $4,058,526
13 146 $30,011 $7,272 $22,740 $4,035,786
13 147 $30,011 $7,231 $22,780 $4,013,006
13 148 $30,011 $7,190 $22,821 $3,990,185
13 149 $30,011 $7,149 $22,862 $3,967,323
13 150 $30,011 $7,108 $22,903 $3,944,420
13 151 $30,011 $7,067 $22,944 $3,921,476
13 152 $30,011 $7,026 $22,985 $3,898,490
13 153 $30,011 $6,985 $23,026 $3,875,464
13 154 $30,011 $6,944 $23,068 $3,852,396
13 155 $30,011 $6,902 $23,109 $3,829,287
13 156 $30,011 $6,861 $23,150 $3,806,137
14 157 $30,011 $6,819 $23,192 $3,782,945
14 158 $30,011 $6,778 $23,233 $3,759,712
14 159 $30,011 $6,736 $23,275 $3,736,437
14 160 $30,011 $6,694 $23,317 $3,713,120
14 161 $30,011 $6,653 $23,358 $3,689,762
14 162 $30,011 $6,611 $23,400 $3,666,361
14 163 $30,011 $6,569 $23,442 $3,642,919
14 164 $30,011 $6,527 $23,484 $3,619,435
14 165 $30,011 $6,485 $23,526 $3,595,908
14 166 $30,011 $6,443 $23,568 $3,572,340
14 167 $30,011 $6,400 $23,611 $3,548,729
14 168 $30,011 $6,358 $23,653 $3,525,076
15 169 $30,011 $6,316 $23,695 $3,501,381
15 170 $30,011 $6,273 $23,738 $3,477,643
15 171 $30,011 $6,231 $23,780 $3,453,862
15 172 $30,011 $6,188 $23,823 $3,430,040
15 173 $30,011 $6,145 $23,866 $3,406,174
15 174 $30,011 $6,103 $23,908 $3,382,265
15 175 $30,011 $6,060 $23,951 $3,358,314
15 176 $30,011 $6,017 $23,994 $3,334,320
15 177 $30,011 $5,974 $24,037 $3,310,283
15 178 $30,011 $5,931 $24,080 $3,286,203
15 179 $30,011 $5,888 $24,123 $3,262,079
15 180 $30,011 $5,845 $24,167 $3,237,913
16 181 $30,011 $5,801 $24,210 $3,213,703
16 182 $30,011 $5,758 $24,253 $3,189,449
16 183 $30,011 $5,714 $24,297 $3,165,153
16 184 $30,011 $5,671 $24,340 $3,140,812
16 185 $30,011 $5,627 $24,384 $3,116,428
16 186 $30,011 $5,584 $24,428 $3,092,001
16 187 $30,011 $5,540 $24,471 $3,067,530
16 188 $30,011 $5,496 $24,515 $3,043,014
16 189 $30,011 $5,452 $24,559 $3,018,455
16 190 $30,011 $5,408 $24,603 $2,993,852
16 191 $30,011 $5,364 $24,647 $2,969,205
16 192 $30,011 $5,320 $24,691 $2,944,514
17 193 $30,011 $5,276 $24,736 $2,919,778
17 194 $30,011 $5,231 $24,780 $2,894,998
17 195 $30,011 $5,187 $24,824 $2,870,174
17 196 $30,011 $5,142 $24,869 $2,845,305
17 197 $30,011 $5,098 $24,913 $2,820,392
17 198 $30,011 $5,053 $24,958 $2,795,434
17 199 $30,011 $5,008 $25,003 $2,770,431
17 200 $30,011 $4,964 $25,047 $2,745,384
17 201 $30,011 $4,919 $25,092 $2,720,291
17 202 $30,011 $4,874 $25,137 $2,695,154
17 203 $30,011 $4,829 $25,182 $2,669,972
17 204 $30,011 $4,784 $25,227 $2,644,744
18 205 $30,011 $4,739 $25,273 $2,619,472
18 206 $30,011 $4,693 $25,318 $2,594,154
18 207 $30,011 $4,648 $25,363 $2,568,790
18 208 $30,011 $4,602 $25,409 $2,543,382
18 209 $30,011 $4,557 $25,454 $2,517,927
18 210 $30,011 $4,511 $25,500 $2,492,427
18 211 $30,011 $4,466 $25,546 $2,466,882
18 212 $30,011 $4,420 $25,591 $2,441,290
18 213 $30,011 $4,374 $25,637 $2,415,653
18 214 $30,011 $4,328 $25,683 $2,389,970
18 215 $30,011 $4,282 $25,729 $2,364,241
18 216 $30,011 $4,236 $25,775 $2,338,466
19 217 $30,011 $4,190 $25,821 $2,312,644
19 218 $30,011 $4,143 $25,868 $2,286,777
19 219 $30,011 $4,097 $25,914 $2,260,863
19 220 $30,011 $4,051 $25,960 $2,234,902
19 221 $30,011 $4,004 $26,007 $2,208,895
19 222 $30,011 $3,958 $26,054 $2,182,842
19 223 $30,011 $3,911 $26,100 $2,156,741
19 224 $30,011 $3,864 $26,147 $2,130,594
19 225 $30,011 $3,817 $26,194 $2,104,401
19 226 $30,011 $3,770 $26,241 $2,078,160
19 227 $30,011 $3,723 $26,288 $2,051,872
19 228 $30,011 $3,676 $26,335 $2,025,537
20 229 $30,011 $3,629 $26,382 $1,999,155
20 230 $30,011 $3,582 $26,429 $1,972,726
20 231 $30,011 $3,534 $26,477 $1,946,249
20 232 $30,011 $3,487 $26,524 $1,919,725
20 233 $30,011 $3,440 $26,572 $1,893,153
20 234 $30,011 $3,392 $26,619 $1,866,534
20 235 $30,011 $3,344 $26,667 $1,839,867
20 236 $30,011 $3,296 $26,715 $1,813,152
20 237 $30,011 $3,249 $26,763 $1,786,390
20 238 $30,011 $3,201 $26,811 $1,759,579
20 239 $30,011 $3,153 $26,859 $1,732,721
20 240 $30,011 $3,104 $26,907 $1,705,814
21 241 $30,011 $3,056 $26,955 $1,678,859
21 242 $30,011 $3,008 $27,003 $1,651,856
21 243 $30,011 $2,960 $27,052 $1,624,804
21 244 $30,011 $2,911 $27,100 $1,597,704
21 245 $30,011 $2,863 $27,149 $1,570,555
21 246 $30,011 $2,814 $27,197 $1,543,358
21 247 $30,011 $2,765 $27,246 $1,516,112
21 248 $30,011 $2,716 $27,295 $1,488,817
21 249 $30,011 $2,667 $27,344 $1,461,474
21 250 $30,011 $2,618 $27,393 $1,434,081
21 251 $30,011 $2,569 $27,442 $1,406,639
21 252 $30,011 $2,520 $27,491 $1,379,148
22 253 $30,011 $2,471 $27,540 $1,351,608
22 254 $30,011 $2,422 $27,590 $1,324,019
22 255 $30,011 $2,372 $27,639 $1,296,380
22 256 $30,011 $2,323 $27,688 $1,268,691
22 257 $30,011 $2,273 $27,738 $1,240,953
22 258 $30,011 $2,223 $27,788 $1,213,165
22 259 $30,011 $2,174 $27,838 $1,185,328
22 260 $30,011 $2,124 $27,887 $1,157,440
22 261 $30,011 $2,074 $27,937 $1,129,503
22 262 $30,011 $2,024 $27,987 $1,101,515
22 263 $30,011 $1,974 $28,038 $1,073,478
22 264 $30,011 $1,923 $28,088 $1,045,390
23 265 $30,011 $1,873 $28,138 $1,017,252
23 266 $30,011 $1,823 $28,189 $989,063
23 267 $30,011 $1,772 $28,239 $960,824
23 268 $30,011 $1,721 $28,290 $932,534
23 269 $30,011 $1,671 $28,340 $904,194
23 270 $30,011 $1,620 $28,391 $875,803
23 271 $30,011 $1,569 $28,442 $847,361
23 272 $30,011 $1,518 $28,493 $818,868
23 273 $30,011 $1,467 $28,544 $790,324
23 274 $30,011 $1,416 $28,595 $761,729
23 275 $30,011 $1,365 $28,646 $733,082
23 276 $30,011 $1,313 $28,698 $704,384
24 277 $30,011 $1,262 $28,749 $675,635
24 278 $30,011 $1,211 $28,801 $646,835
24 279 $30,011 $1,159 $28,852 $617,982
24 280 $30,011 $1,107 $28,904 $589,078
24 281 $30,011 $1,055 $28,956 $560,123
24 282 $30,011 $1,004 $29,008 $531,115
24 283 $30,011 $952 $29,060 $502,056
24 284 $30,011 $900 $29,112 $472,944
24 285 $30,011 $847 $29,164 $443,780
24 286 $30,011 $795 $29,216 $414,564
24 287 $30,011 $743 $29,268 $385,296
24 288 $30,011 $690 $29,321 $355,975
25 289 $30,011 $638 $29,373 $326,601
25 290 $30,011 $585 $29,426 $297,175
25 291 $30,011 $532 $29,479 $267,697
25 292 $30,011 $480 $29,532 $238,165
25 293 $30,011 $427 $29,584 $208,581
25 294 $30,011 $374 $29,637 $178,943
25 295 $30,011 $321 $29,691 $149,253
25 296 $30,011 $267 $29,744 $119,509
25 297 $30,011 $214 $29,797 $89,712
25 298 $30,011 $161 $29,850 $59,861
25 299 $30,011 $107 $29,904 $29,957
25 300 $30,011 $54 $29,957 $0