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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$ 4,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 4,715,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$4,600,000
 
Monthly Repayment (HKD)
$29,752
Loan Amount (HKD)
$6,900,000
+
Total Interest (HKD)
$2,025,735
=
Total Repayment (HKD)
$8,925,735
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $29,752 $12,363 $17,390 $6,882,610
1 2 $29,752 $12,331 $17,421 $6,865,189
1 3 $29,752 $12,300 $17,452 $6,847,737
1 4 $29,752 $12,269 $17,484 $6,830,253
1 5 $29,752 $12,238 $17,515 $6,812,738
1 6 $29,752 $12,206 $17,546 $6,795,192
1 7 $29,752 $12,175 $17,578 $6,777,614
1 8 $29,752 $12,143 $17,609 $6,760,005
1 9 $29,752 $12,112 $17,641 $6,742,364
1 10 $29,752 $12,080 $17,672 $6,724,692
1 11 $29,752 $12,048 $17,704 $6,706,988
1 12 $29,752 $12,017 $17,736 $6,689,252
2 13 $29,752 $11,985 $17,768 $6,671,484
2 14 $29,752 $11,953 $17,799 $6,653,685
2 15 $29,752 $11,921 $17,831 $6,635,854
2 16 $29,752 $11,889 $17,863 $6,617,991
2 17 $29,752 $11,857 $17,895 $6,600,095
2 18 $29,752 $11,825 $17,927 $6,582,168
2 19 $29,752 $11,793 $17,959 $6,564,209
2 20 $29,752 $11,761 $17,992 $6,546,217
2 21 $29,752 $11,729 $18,024 $6,528,193
2 22 $29,752 $11,696 $18,056 $6,510,137
2 23 $29,752 $11,664 $18,088 $6,492,049
2 24 $29,752 $11,632 $18,121 $6,473,928
3 25 $29,752 $11,599 $18,153 $6,455,775
3 26 $29,752 $11,567 $18,186 $6,437,589
3 27 $29,752 $11,534 $18,218 $6,419,370
3 28 $29,752 $11,501 $18,251 $6,401,119
3 29 $29,752 $11,469 $18,284 $6,382,835
3 30 $29,752 $11,436 $18,317 $6,364,519
3 31 $29,752 $11,403 $18,349 $6,346,169
3 32 $29,752 $11,370 $18,382 $6,327,787
3 33 $29,752 $11,337 $18,415 $6,309,372
3 34 $29,752 $11,304 $18,448 $6,290,924
3 35 $29,752 $11,271 $18,481 $6,272,443
3 36 $29,752 $11,238 $18,514 $6,253,928
4 37 $29,752 $11,205 $18,547 $6,235,381
4 38 $29,752 $11,172 $18,581 $6,216,800
4 39 $29,752 $11,138 $18,614 $6,198,186
4 40 $29,752 $11,105 $18,647 $6,179,539
4 41 $29,752 $11,072 $18,681 $6,160,858
4 42 $29,752 $11,038 $18,714 $6,142,144
4 43 $29,752 $11,005 $18,748 $6,123,396
4 44 $29,752 $10,971 $18,781 $6,104,615
4 45 $29,752 $10,937 $18,815 $6,085,800
4 46 $29,752 $10,904 $18,849 $6,066,951
4 47 $29,752 $10,870 $18,882 $6,048,068
4 48 $29,752 $10,836 $18,916 $6,029,152
5 49 $29,752 $10,802 $18,950 $6,010,202
5 50 $29,752 $10,768 $18,984 $5,991,218
5 51 $29,752 $10,734 $19,018 $5,972,200
5 52 $29,752 $10,700 $19,052 $5,953,147
5 53 $29,752 $10,666 $19,086 $5,934,061
5 54 $29,752 $10,632 $19,121 $5,914,940
5 55 $29,752 $10,598 $19,155 $5,895,785
5 56 $29,752 $10,563 $19,189 $5,876,596
5 57 $29,752 $10,529 $19,224 $5,857,373
5 58 $29,752 $10,494 $19,258 $5,838,115
5 59 $29,752 $10,460 $19,292 $5,818,822
5 60 $29,752 $10,425 $19,327 $5,799,495
6 61 $29,752 $10,391 $19,362 $5,780,134
6 62 $29,752 $10,356 $19,396 $5,760,737
6 63 $29,752 $10,321 $19,431 $5,741,306
6 64 $29,752 $10,287 $19,466 $5,721,840
6 65 $29,752 $10,252 $19,501 $5,702,339
6 66 $29,752 $10,217 $19,536 $5,682,803
6 67 $29,752 $10,182 $19,571 $5,663,233
6 68 $29,752 $10,147 $19,606 $5,643,627
6 69 $29,752 $10,111 $19,641 $5,623,986
6 70 $29,752 $10,076 $19,676 $5,604,310
6 71 $29,752 $10,041 $19,711 $5,584,598
6 72 $29,752 $10,006 $19,747 $5,564,852
7 73 $29,752 $9,970 $19,782 $5,545,070
7 74 $29,752 $9,935 $19,818 $5,525,252
7 75 $29,752 $9,899 $19,853 $5,505,399
7 76 $29,752 $9,864 $19,889 $5,485,510
7 77 $29,752 $9,828 $19,924 $5,465,586
7 78 $29,752 $9,793 $19,960 $5,445,626
7 79 $29,752 $9,757 $19,996 $5,425,631
7 80 $29,752 $9,721 $20,032 $5,405,599
7 81 $29,752 $9,685 $20,067 $5,385,532
7 82 $29,752 $9,649 $20,103 $5,365,428
7 83 $29,752 $9,613 $20,139 $5,345,289
7 84 $29,752 $9,577 $20,175 $5,325,113
8 85 $29,752 $9,541 $20,212 $5,304,902
8 86 $29,752 $9,505 $20,248 $5,284,654
8 87 $29,752 $9,468 $20,284 $5,264,370
8 88 $29,752 $9,432 $20,320 $5,244,049
8 89 $29,752 $9,396 $20,357 $5,223,692
8 90 $29,752 $9,359 $20,393 $5,203,299
8 91 $29,752 $9,323 $20,430 $5,182,869
8 92 $29,752 $9,286 $20,466 $5,162,403
8 93 $29,752 $9,249 $20,503 $5,141,900
8 94 $29,752 $9,213 $20,540 $5,121,360
8 95 $29,752 $9,176 $20,577 $5,100,783
8 96 $29,752 $9,139 $20,614 $5,080,170
9 97 $29,752 $9,102 $20,650 $5,059,519
9 98 $29,752 $9,065 $20,687 $5,038,832
9 99 $29,752 $9,028 $20,725 $5,018,107
9 100 $29,752 $8,991 $20,762 $4,997,345
9 101 $29,752 $8,954 $20,799 $4,976,547
9 102 $29,752 $8,916 $20,836 $4,955,710
9 103 $29,752 $8,879 $20,873 $4,934,837
9 104 $29,752 $8,842 $20,911 $4,913,926
9 105 $29,752 $8,804 $20,948 $4,892,978
9 106 $29,752 $8,767 $20,986 $4,871,992
9 107 $29,752 $8,729 $21,023 $4,850,968
9 108 $29,752 $8,691 $21,061 $4,829,907
10 109 $29,752 $8,654 $21,099 $4,808,808
10 110 $29,752 $8,616 $21,137 $4,787,672
10 111 $29,752 $8,578 $21,175 $4,766,497
10 112 $29,752 $8,540 $21,212 $4,745,285
10 113 $29,752 $8,502 $21,250 $4,724,034
10 114 $29,752 $8,464 $21,289 $4,702,746
10 115 $29,752 $8,426 $21,327 $4,681,419
10 116 $29,752 $8,388 $21,365 $4,660,054
10 117 $29,752 $8,349 $21,403 $4,638,651
10 118 $29,752 $8,311 $21,442 $4,617,209
10 119 $29,752 $8,273 $21,480 $4,595,729
10 120 $29,752 $8,234 $21,518 $4,574,211
11 121 $29,752 $8,195 $21,557 $4,552,654
11 122 $29,752 $8,157 $21,596 $4,531,058
11 123 $29,752 $8,118 $21,634 $4,509,424
11 124 $29,752 $8,079 $21,673 $4,487,751
11 125 $29,752 $8,041 $21,712 $4,466,039
11 126 $29,752 $8,002 $21,751 $4,444,288
11 127 $29,752 $7,963 $21,790 $4,422,499
11 128 $29,752 $7,924 $21,829 $4,400,670
11 129 $29,752 $7,885 $21,868 $4,378,802
11 130 $29,752 $7,845 $21,907 $4,356,895
11 131 $29,752 $7,806 $21,946 $4,334,948
11 132 $29,752 $7,767 $21,986 $4,312,963
12 133 $29,752 $7,727 $22,025 $4,290,938
12 134 $29,752 $7,688 $22,065 $4,268,873
12 135 $29,752 $7,648 $22,104 $4,246,769
12 136 $29,752 $7,609 $22,144 $4,224,625
12 137 $29,752 $7,569 $22,183 $4,202,442
12 138 $29,752 $7,529 $22,223 $4,180,219
12 139 $29,752 $7,490 $22,263 $4,157,956
12 140 $29,752 $7,450 $22,303 $4,135,653
12 141 $29,752 $7,410 $22,343 $4,113,311
12 142 $29,752 $7,370 $22,383 $4,090,928
12 143 $29,752 $7,330 $22,423 $4,068,505
12 144 $29,752 $7,289 $22,463 $4,046,042
13 145 $29,752 $7,249 $22,503 $4,023,539
13 146 $29,752 $7,209 $22,544 $4,000,995
13 147 $29,752 $7,168 $22,584 $3,978,411
13 148 $29,752 $7,128 $22,624 $3,955,787
13 149 $29,752 $7,087 $22,665 $3,933,122
13 150 $29,752 $7,047 $22,706 $3,910,416
13 151 $29,752 $7,006 $22,746 $3,887,670
13 152 $29,752 $6,965 $22,787 $3,864,883
13 153 $29,752 $6,925 $22,828 $3,842,055
13 154 $29,752 $6,884 $22,869 $3,819,186
13 155 $29,752 $6,843 $22,910 $3,796,276
13 156 $29,752 $6,802 $22,951 $3,773,326
14 157 $29,752 $6,761 $22,992 $3,750,334
14 158 $29,752 $6,719 $23,033 $3,727,301
14 159 $29,752 $6,678 $23,074 $3,704,226
14 160 $29,752 $6,637 $23,116 $3,681,110
14 161 $29,752 $6,595 $23,157 $3,657,953
14 162 $29,752 $6,554 $23,199 $3,634,755
14 163 $29,752 $6,512 $23,240 $3,611,515
14 164 $29,752 $6,471 $23,282 $3,588,233
14 165 $29,752 $6,429 $23,324 $3,564,909
14 166 $29,752 $6,387 $23,365 $3,541,544
14 167 $29,752 $6,345 $23,407 $3,518,137
14 168 $29,752 $6,303 $23,449 $3,494,688
15 169 $29,752 $6,261 $23,491 $3,471,196
15 170 $29,752 $6,219 $23,533 $3,447,663
15 171 $29,752 $6,177 $23,575 $3,424,088
15 172 $29,752 $6,135 $23,618 $3,400,470
15 173 $29,752 $6,093 $23,660 $3,376,810
15 174 $29,752 $6,050 $23,702 $3,353,108
15 175 $29,752 $6,008 $23,745 $3,329,363
15 176 $29,752 $5,965 $23,787 $3,305,576
15 177 $29,752 $5,922 $23,830 $3,281,746
15 178 $29,752 $5,880 $23,873 $3,257,873
15 179 $29,752 $5,837 $23,915 $3,233,958
15 180 $29,752 $5,794 $23,958 $3,209,999
16 181 $29,752 $5,751 $24,001 $3,185,998
16 182 $29,752 $5,708 $24,044 $3,161,954
16 183 $29,752 $5,665 $24,087 $3,137,867
16 184 $29,752 $5,622 $24,130 $3,113,736
16 185 $29,752 $5,579 $24,174 $3,089,563
16 186 $29,752 $5,535 $24,217 $3,065,346
16 187 $29,752 $5,492 $24,260 $3,041,085
16 188 $29,752 $5,449 $24,304 $3,016,781
16 189 $29,752 $5,405 $24,347 $2,992,434
16 190 $29,752 $5,361 $24,391 $2,968,043
16 191 $29,752 $5,318 $24,435 $2,943,608
16 192 $29,752 $5,274 $24,478 $2,919,130
17 193 $29,752 $5,230 $24,522 $2,894,608
17 194 $29,752 $5,186 $24,566 $2,870,041
17 195 $29,752 $5,142 $24,610 $2,845,431
17 196 $29,752 $5,098 $24,654 $2,820,777
17 197 $29,752 $5,054 $24,699 $2,796,078
17 198 $29,752 $5,010 $24,743 $2,771,335
17 199 $29,752 $4,965 $24,787 $2,746,548
17 200 $29,752 $4,921 $24,832 $2,721,717
17 201 $29,752 $4,876 $24,876 $2,696,841
17 202 $29,752 $4,832 $24,921 $2,671,920
17 203 $29,752 $4,787 $24,965 $2,646,955
17 204 $29,752 $4,742 $25,010 $2,621,945
18 205 $29,752 $4,698 $25,055 $2,596,890
18 206 $29,752 $4,653 $25,100 $2,571,790
18 207 $29,752 $4,608 $25,145 $2,546,646
18 208 $29,752 $4,563 $25,190 $2,521,456
18 209 $29,752 $4,518 $25,235 $2,496,221
18 210 $29,752 $4,472 $25,280 $2,470,941
18 211 $29,752 $4,427 $25,325 $2,445,616
18 212 $29,752 $4,382 $25,371 $2,420,245
18 213 $29,752 $4,336 $25,416 $2,394,829
18 214 $29,752 $4,291 $25,462 $2,369,367
18 215 $29,752 $4,245 $25,507 $2,343,860
18 216 $29,752 $4,199 $25,553 $2,318,307
19 217 $29,752 $4,154 $25,599 $2,292,708
19 218 $29,752 $4,108 $25,645 $2,267,063
19 219 $29,752 $4,062 $25,691 $2,241,372
19 220 $29,752 $4,016 $25,737 $2,215,636
19 221 $29,752 $3,970 $25,783 $2,189,853
19 222 $29,752 $3,923 $25,829 $2,164,024
19 223 $29,752 $3,877 $25,875 $2,138,149
19 224 $29,752 $3,831 $25,922 $2,112,227
19 225 $29,752 $3,784 $25,968 $2,086,259
19 226 $29,752 $3,738 $26,015 $2,060,245
19 227 $29,752 $3,691 $26,061 $2,034,183
19 228 $29,752 $3,645 $26,108 $2,008,076
20 229 $29,752 $3,598 $26,155 $1,981,921
20 230 $29,752 $3,551 $26,202 $1,955,719
20 231 $29,752 $3,504 $26,248 $1,929,471
20 232 $29,752 $3,457 $26,295 $1,903,176
20 233 $29,752 $3,410 $26,343 $1,876,833
20 234 $29,752 $3,363 $26,390 $1,850,443
20 235 $29,752 $3,315 $26,437 $1,824,006
20 236 $29,752 $3,268 $26,484 $1,797,522
20 237 $29,752 $3,221 $26,532 $1,770,990
20 238 $29,752 $3,173 $26,579 $1,744,410
20 239 $29,752 $3,125 $26,627 $1,717,783
20 240 $29,752 $3,078 $26,675 $1,691,109
21 241 $29,752 $3,030 $26,723 $1,664,386
21 242 $29,752 $2,982 $26,770 $1,637,616
21 243 $29,752 $2,934 $26,818 $1,610,797
21 244 $29,752 $2,886 $26,866 $1,583,931
21 245 $29,752 $2,838 $26,915 $1,557,016
21 246 $29,752 $2,790 $26,963 $1,530,053
21 247 $29,752 $2,741 $27,011 $1,503,042
21 248 $29,752 $2,693 $27,059 $1,475,983
21 249 $29,752 $2,644 $27,108 $1,448,875
21 250 $29,752 $2,596 $27,157 $1,421,718
21 251 $29,752 $2,547 $27,205 $1,394,513
21 252 $29,752 $2,499 $27,254 $1,367,259
22 253 $29,752 $2,450 $27,303 $1,339,956
22 254 $29,752 $2,401 $27,352 $1,312,605
22 255 $29,752 $2,352 $27,401 $1,285,204
22 256 $29,752 $2,303 $27,450 $1,257,754
22 257 $29,752 $2,253 $27,499 $1,230,255
22 258 $29,752 $2,204 $27,548 $1,202,707
22 259 $29,752 $2,155 $27,598 $1,175,109
22 260 $29,752 $2,105 $27,647 $1,147,462
22 261 $29,752 $2,056 $27,697 $1,119,766
22 262 $29,752 $2,006 $27,746 $1,092,019
22 263 $29,752 $1,957 $27,796 $1,064,224
22 264 $29,752 $1,907 $27,846 $1,036,378
23 265 $29,752 $1,857 $27,896 $1,008,482
23 266 $29,752 $1,807 $27,946 $980,537
23 267 $29,752 $1,757 $27,996 $952,541
23 268 $29,752 $1,707 $28,046 $924,495
23 269 $29,752 $1,656 $28,096 $896,399
23 270 $29,752 $1,606 $28,146 $868,253
23 271 $29,752 $1,556 $28,197 $840,056
23 272 $29,752 $1,505 $28,247 $811,809
23 273 $29,752 $1,454 $28,298 $783,511
23 274 $29,752 $1,404 $28,349 $755,162
23 275 $29,752 $1,353 $28,399 $726,763
23 276 $29,752 $1,302 $28,450 $698,312
24 277 $29,752 $1,251 $28,501 $669,811
24 278 $29,752 $1,200 $28,552 $641,258
24 279 $29,752 $1,149 $28,604 $612,655
24 280 $29,752 $1,098 $28,655 $584,000
24 281 $29,752 $1,046 $28,706 $555,294
24 282 $29,752 $995 $28,758 $526,537
24 283 $29,752 $943 $28,809 $497,727
24 284 $29,752 $892 $28,861 $468,867
24 285 $29,752 $840 $28,912 $439,954
24 286 $29,752 $788 $28,964 $410,990
24 287 $29,752 $736 $29,016 $381,974
24 288 $29,752 $684 $29,068 $352,906
25 289 $29,752 $632 $29,120 $323,786
25 290 $29,752 $580 $29,172 $294,614
25 291 $29,752 $528 $29,225 $265,389
25 292 $29,752 $475 $29,277 $236,112
25 293 $29,752 $423 $29,329 $206,783
25 294 $29,752 $370 $29,382 $177,401
25 295 $29,752 $318 $29,435 $147,966
25 296 $29,752 $265 $29,487 $118,479
25 297 $29,752 $212 $29,540 $88,938
25 298 $29,752 $159 $29,593 $59,345
25 299 $29,752 $106 $29,646 $29,699
25 300 $29,752 $53 $29,699 $0