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$ 10,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 10,250,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$10,000,000
 
Monthly Repayment (HKD)
$64,679
Loan Amount (HKD)
$15,000,000
+
Total Interest (HKD)
$4,403,771
=
Total Repayment (HKD)
$19,403,771
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $64,679 $26,875 $37,804 $14,962,196
1 2 $64,679 $26,807 $37,872 $14,924,324
1 3 $64,679 $26,739 $37,940 $14,886,384
1 4 $64,679 $26,671 $38,008 $14,848,376
1 5 $64,679 $26,603 $38,076 $14,810,300
1 6 $64,679 $26,535 $38,144 $14,772,156
1 7 $64,679 $26,467 $38,212 $14,733,944
1 8 $64,679 $26,398 $38,281 $14,695,663
1 9 $64,679 $26,330 $38,350 $14,657,313
1 10 $64,679 $26,261 $38,418 $14,618,895
1 11 $64,679 $26,192 $38,487 $14,580,408
1 12 $64,679 $26,123 $38,556 $14,541,852
2 13 $64,679 $26,054 $38,625 $14,503,227
2 14 $64,679 $25,985 $38,694 $14,464,533
2 15 $64,679 $25,916 $38,764 $14,425,769
2 16 $64,679 $25,846 $38,833 $14,386,936
2 17 $64,679 $25,777 $38,903 $14,348,033
2 18 $64,679 $25,707 $38,972 $14,309,061
2 19 $64,679 $25,637 $39,042 $14,270,019
2 20 $64,679 $25,567 $39,112 $14,230,907
2 21 $64,679 $25,497 $39,182 $14,191,724
2 22 $64,679 $25,427 $39,252 $14,152,472
2 23 $64,679 $25,357 $39,323 $14,113,149
2 24 $64,679 $25,286 $39,393 $14,073,756
3 25 $64,679 $25,215 $39,464 $14,034,292
3 26 $64,679 $25,145 $39,534 $13,994,758
3 27 $64,679 $25,074 $39,605 $13,955,153
3 28 $64,679 $25,003 $39,676 $13,915,476
3 29 $64,679 $24,932 $39,747 $13,875,729
3 30 $64,679 $24,861 $39,819 $13,835,911
3 31 $64,679 $24,789 $39,890 $13,796,021
3 32 $64,679 $24,718 $39,961 $13,756,059
3 33 $64,679 $24,646 $40,033 $13,716,026
3 34 $64,679 $24,575 $40,105 $13,675,922
3 35 $64,679 $24,503 $40,177 $13,635,745
3 36 $64,679 $24,431 $40,249 $13,595,497
4 37 $64,679 $24,359 $40,321 $13,555,176
4 38 $64,679 $24,286 $40,393 $13,514,783
4 39 $64,679 $24,214 $40,465 $13,474,318
4 40 $64,679 $24,141 $40,538 $13,433,780
4 41 $64,679 $24,069 $40,610 $13,393,170
4 42 $64,679 $23,996 $40,683 $13,352,487
4 43 $64,679 $23,923 $40,756 $13,311,730
4 44 $64,679 $23,850 $40,829 $13,270,901
4 45 $64,679 $23,777 $40,902 $13,229,999
4 46 $64,679 $23,704 $40,975 $13,189,024
4 47 $64,679 $23,630 $41,049 $13,147,975
4 48 $64,679 $23,557 $41,122 $13,106,852
5 49 $64,679 $23,483 $41,196 $13,065,656
5 50 $64,679 $23,409 $41,270 $13,024,386
5 51 $64,679 $23,335 $41,344 $12,983,042
5 52 $64,679 $23,261 $41,418 $12,941,625
5 53 $64,679 $23,187 $41,492 $12,900,132
5 54 $64,679 $23,113 $41,566 $12,858,566
5 55 $64,679 $23,038 $41,641 $12,816,925
5 56 $64,679 $22,964 $41,716 $12,775,209
5 57 $64,679 $22,889 $41,790 $12,733,419
5 58 $64,679 $22,814 $41,865 $12,691,554
5 59 $64,679 $22,739 $41,940 $12,649,614
5 60 $64,679 $22,664 $42,015 $12,607,598
6 61 $64,679 $22,589 $42,091 $12,565,508
6 62 $64,679 $22,513 $42,166 $12,523,342
6 63 $64,679 $22,438 $42,242 $12,481,100
6 64 $64,679 $22,362 $42,317 $12,438,783
6 65 $64,679 $22,286 $42,393 $12,396,390
6 66 $64,679 $22,210 $42,469 $12,353,921
6 67 $64,679 $22,134 $42,545 $12,311,375
6 68 $64,679 $22,058 $42,621 $12,268,754
6 69 $64,679 $21,982 $42,698 $12,226,056
6 70 $64,679 $21,905 $42,774 $12,183,282
6 71 $64,679 $21,828 $42,851 $12,140,431
6 72 $64,679 $21,752 $42,928 $12,097,504
7 73 $64,679 $21,675 $43,005 $12,054,499
7 74 $64,679 $21,598 $43,082 $12,011,418
7 75 $64,679 $21,520 $43,159 $11,968,259
7 76 $64,679 $21,443 $43,236 $11,925,023
7 77 $64,679 $21,366 $43,314 $11,881,709
7 78 $64,679 $21,288 $43,391 $11,838,318
7 79 $64,679 $21,210 $43,469 $11,794,849
7 80 $64,679 $21,132 $43,547 $11,751,302
7 81 $64,679 $21,054 $43,625 $11,707,677
7 82 $64,679 $20,976 $43,703 $11,663,974
7 83 $64,679 $20,898 $43,781 $11,620,193
7 84 $64,679 $20,820 $43,860 $11,576,333
8 85 $64,679 $20,741 $43,938 $11,532,395
8 86 $64,679 $20,662 $44,017 $11,488,378
8 87 $64,679 $20,583 $44,096 $11,444,282
8 88 $64,679 $20,504 $44,175 $11,400,107
8 89 $64,679 $20,425 $44,254 $11,355,853
8 90 $64,679 $20,346 $44,333 $11,311,520
8 91 $64,679 $20,266 $44,413 $11,267,107
8 92 $64,679 $20,187 $44,492 $11,222,615
8 93 $64,679 $20,107 $44,572 $11,178,043
8 94 $64,679 $20,027 $44,652 $11,133,391
8 95 $64,679 $19,947 $44,732 $11,088,659
8 96 $64,679 $19,867 $44,812 $11,043,847
9 97 $64,679 $19,787 $44,892 $10,998,955
9 98 $64,679 $19,706 $44,973 $10,953,982
9 99 $64,679 $19,626 $45,053 $10,908,928
9 100 $64,679 $19,545 $45,134 $10,863,794
9 101 $64,679 $19,464 $45,215 $10,818,579
9 102 $64,679 $19,383 $45,296 $10,773,283
9 103 $64,679 $19,302 $45,377 $10,727,906
9 104 $64,679 $19,221 $45,458 $10,682,448
9 105 $64,679 $19,139 $45,540 $10,636,908
9 106 $64,679 $19,058 $45,621 $10,591,287
9 107 $64,679 $18,976 $45,703 $10,545,583
9 108 $64,679 $18,894 $45,785 $10,499,798
10 109 $64,679 $18,812 $45,867 $10,453,931
10 110 $64,679 $18,730 $45,949 $10,407,982
10 111 $64,679 $18,648 $46,032 $10,361,950
10 112 $64,679 $18,565 $46,114 $10,315,836
10 113 $64,679 $18,483 $46,197 $10,269,640
10 114 $64,679 $18,400 $46,279 $10,223,360
10 115 $64,679 $18,317 $46,362 $10,176,998
10 116 $64,679 $18,234 $46,445 $10,130,552
10 117 $64,679 $18,151 $46,529 $10,084,024
10 118 $64,679 $18,067 $46,612 $10,037,412
10 119 $64,679 $17,984 $46,696 $9,990,716
10 120 $64,679 $17,900 $46,779 $9,943,937
11 121 $64,679 $17,816 $46,863 $9,897,074
11 122 $64,679 $17,732 $46,947 $9,850,127
11 123 $64,679 $17,648 $47,031 $9,803,096
11 124 $64,679 $17,564 $47,115 $9,755,981
11 125 $64,679 $17,479 $47,200 $9,708,781
11 126 $64,679 $17,395 $47,284 $9,661,496
11 127 $64,679 $17,310 $47,369 $9,614,127
11 128 $64,679 $17,225 $47,454 $9,566,673
11 129 $64,679 $17,140 $47,539 $9,519,134
11 130 $64,679 $17,055 $47,624 $9,471,510
11 131 $64,679 $16,970 $47,709 $9,423,801
11 132 $64,679 $16,884 $47,795 $9,376,006
12 133 $64,679 $16,799 $47,881 $9,328,125
12 134 $64,679 $16,713 $47,966 $9,280,159
12 135 $64,679 $16,627 $48,052 $9,232,107
12 136 $64,679 $16,541 $48,138 $9,183,968
12 137 $64,679 $16,455 $48,225 $9,135,744
12 138 $64,679 $16,368 $48,311 $9,087,433
12 139 $64,679 $16,282 $48,398 $9,039,035
12 140 $64,679 $16,195 $48,484 $8,990,551
12 141 $64,679 $16,108 $48,571 $8,941,980
12 142 $64,679 $16,021 $48,658 $8,893,322
12 143 $64,679 $15,934 $48,745 $8,844,576
12 144 $64,679 $15,847 $48,833 $8,795,743
13 145 $64,679 $15,759 $48,920 $8,746,823
13 146 $64,679 $15,671 $49,008 $8,697,815
13 147 $64,679 $15,584 $49,096 $8,648,720
13 148 $64,679 $15,496 $49,184 $8,599,536
13 149 $64,679 $15,408 $49,272 $8,550,264
13 150 $64,679 $15,319 $49,360 $8,500,904
13 151 $64,679 $15,231 $49,448 $8,451,456
13 152 $64,679 $15,142 $49,537 $8,401,919
13 153 $64,679 $15,053 $49,626 $8,352,293
13 154 $64,679 $14,965 $49,715 $8,302,578
13 155 $64,679 $14,875 $49,804 $8,252,775
13 156 $64,679 $14,786 $49,893 $8,202,882
14 157 $64,679 $14,697 $49,982 $8,152,899
14 158 $64,679 $14,607 $50,072 $8,102,827
14 159 $64,679 $14,518 $50,162 $8,052,666
14 160 $64,679 $14,428 $50,252 $8,002,414
14 161 $64,679 $14,338 $50,342 $7,952,072
14 162 $64,679 $14,247 $50,432 $7,901,641
14 163 $64,679 $14,157 $50,522 $7,851,119
14 164 $64,679 $14,067 $50,613 $7,800,506
14 165 $64,679 $13,976 $50,703 $7,749,803
14 166 $64,679 $13,885 $50,794 $7,699,008
14 167 $64,679 $13,794 $50,885 $7,648,123
14 168 $64,679 $13,703 $50,976 $7,597,147
15 169 $64,679 $13,612 $51,068 $7,546,079
15 170 $64,679 $13,520 $51,159 $7,494,920
15 171 $64,679 $13,428 $51,251 $7,443,669
15 172 $64,679 $13,337 $51,343 $7,392,327
15 173 $64,679 $13,245 $51,435 $7,340,892
15 174 $64,679 $13,152 $51,527 $7,289,365
15 175 $64,679 $13,060 $51,619 $7,237,746
15 176 $64,679 $12,968 $51,712 $7,186,034
15 177 $64,679 $12,875 $51,804 $7,134,230
15 178 $64,679 $12,782 $51,897 $7,082,333
15 179 $64,679 $12,689 $51,990 $7,030,343
15 180 $64,679 $12,596 $52,083 $6,978,260
16 181 $64,679 $12,503 $52,177 $6,926,083
16 182 $64,679 $12,409 $52,270 $6,873,813
16 183 $64,679 $12,316 $52,364 $6,821,450
16 184 $64,679 $12,222 $52,457 $6,768,992
16 185 $64,679 $12,128 $52,551 $6,716,441
16 186 $64,679 $12,034 $52,646 $6,663,795
16 187 $64,679 $11,939 $52,740 $6,611,055
16 188 $64,679 $11,845 $52,834 $6,558,221
16 189 $64,679 $11,750 $52,929 $6,505,292
16 190 $64,679 $11,655 $53,024 $6,452,268
16 191 $64,679 $11,560 $53,119 $6,399,149
16 192 $64,679 $11,465 $53,214 $6,345,935
17 193 $64,679 $11,370 $53,309 $6,292,625
17 194 $64,679 $11,274 $53,405 $6,239,220
17 195 $64,679 $11,179 $53,501 $6,185,720
17 196 $64,679 $11,083 $53,596 $6,132,123
17 197 $64,679 $10,987 $53,693 $6,078,431
17 198 $64,679 $10,891 $53,789 $6,024,642
17 199 $64,679 $10,794 $53,885 $5,970,757
17 200 $64,679 $10,698 $53,982 $5,916,775
17 201 $64,679 $10,601 $54,078 $5,862,697
17 202 $64,679 $10,504 $54,175 $5,808,522
17 203 $64,679 $10,407 $54,272 $5,754,249
17 204 $64,679 $10,310 $54,370 $5,699,880
18 205 $64,679 $10,212 $54,467 $5,645,413
18 206 $64,679 $10,115 $54,565 $5,590,848
18 207 $64,679 $10,017 $54,662 $5,536,186
18 208 $64,679 $9,919 $54,760 $5,481,426
18 209 $64,679 $9,821 $54,858 $5,426,567
18 210 $64,679 $9,723 $54,957 $5,371,611
18 211 $64,679 $9,624 $55,055 $5,316,556
18 212 $64,679 $9,525 $55,154 $5,261,402
18 213 $64,679 $9,427 $55,253 $5,206,149
18 214 $64,679 $9,328 $55,352 $5,150,798
18 215 $64,679 $9,229 $55,451 $5,095,347
18 216 $64,679 $9,129 $55,550 $5,039,797
19 217 $64,679 $9,030 $55,650 $4,984,147
19 218 $64,679 $8,930 $55,749 $4,928,398
19 219 $64,679 $8,830 $55,849 $4,872,549
19 220 $64,679 $8,730 $55,949 $4,816,600
19 221 $64,679 $8,630 $56,049 $4,760,550
19 222 $64,679 $8,529 $56,150 $4,704,400
19 223 $64,679 $8,429 $56,251 $4,648,150
19 224 $64,679 $8,328 $56,351 $4,591,798
19 225 $64,679 $8,227 $56,452 $4,535,346
19 226 $64,679 $8,126 $56,553 $4,478,793
19 227 $64,679 $8,025 $56,655 $4,422,138
19 228 $64,679 $7,923 $56,756 $4,365,382
20 229 $64,679 $7,821 $56,858 $4,308,524
20 230 $64,679 $7,719 $56,960 $4,251,564
20 231 $64,679 $7,617 $57,062 $4,194,502
20 232 $64,679 $7,515 $57,164 $4,137,338
20 233 $64,679 $7,413 $57,267 $4,080,072
20 234 $64,679 $7,310 $57,369 $4,022,702
20 235 $64,679 $7,207 $57,472 $3,965,231
20 236 $64,679 $7,104 $57,575 $3,907,656
20 237 $64,679 $7,001 $57,678 $3,849,978
20 238 $64,679 $6,898 $57,781 $3,792,196
20 239 $64,679 $6,794 $57,885 $3,734,311
20 240 $64,679 $6,691 $57,989 $3,676,323
21 241 $64,679 $6,587 $58,092 $3,618,230
21 242 $64,679 $6,483 $58,197 $3,560,034
21 243 $64,679 $6,378 $58,301 $3,501,733
21 244 $64,679 $6,274 $58,405 $3,443,328
21 245 $64,679 $6,169 $58,510 $3,384,818
21 246 $64,679 $6,064 $58,615 $3,326,203
21 247 $64,679 $5,959 $58,720 $3,267,483
21 248 $64,679 $5,854 $58,825 $3,208,658
21 249 $64,679 $5,749 $58,930 $3,149,728
21 250 $64,679 $5,643 $59,036 $3,090,692
21 251 $64,679 $5,537 $59,142 $3,031,550
21 252 $64,679 $5,432 $59,248 $2,972,302
22 253 $64,679 $5,325 $59,354 $2,912,949
22 254 $64,679 $5,219 $59,460 $2,853,488
22 255 $64,679 $5,112 $59,567 $2,793,922
22 256 $64,679 $5,006 $59,673 $2,734,248
22 257 $64,679 $4,899 $59,780 $2,674,468
22 258 $64,679 $4,792 $59,887 $2,614,580
22 259 $64,679 $4,684 $59,995 $2,554,585
22 260 $64,679 $4,577 $60,102 $2,494,483
22 261 $64,679 $4,469 $60,210 $2,434,273
22 262 $64,679 $4,361 $60,318 $2,373,955
22 263 $64,679 $4,253 $60,426 $2,313,530
22 264 $64,679 $4,145 $60,534 $2,252,995
23 265 $64,679 $4,037 $60,643 $2,192,353
23 266 $64,679 $3,928 $60,751 $2,131,601
23 267 $64,679 $3,819 $60,860 $2,070,741
23 268 $64,679 $3,710 $60,969 $2,009,772
23 269 $64,679 $3,601 $61,078 $1,948,694
23 270 $64,679 $3,491 $61,188 $1,887,506
23 271 $64,679 $3,382 $61,297 $1,826,209
23 272 $64,679 $3,272 $61,407 $1,764,801
23 273 $64,679 $3,162 $61,517 $1,703,284
23 274 $64,679 $3,052 $61,628 $1,641,656
23 275 $64,679 $2,941 $61,738 $1,579,918
23 276 $64,679 $2,831 $61,849 $1,518,070
24 277 $64,679 $2,720 $61,959 $1,456,111
24 278 $64,679 $2,609 $62,070 $1,394,040
24 279 $64,679 $2,498 $62,182 $1,331,859
24 280 $64,679 $2,386 $62,293 $1,269,566
24 281 $64,679 $2,275 $62,405 $1,207,161
24 282 $64,679 $2,163 $62,516 $1,144,645
24 283 $64,679 $2,051 $62,628 $1,082,016
24 284 $64,679 $1,939 $62,741 $1,019,276
24 285 $64,679 $1,826 $62,853 $956,423
24 286 $64,679 $1,714 $62,966 $893,457
24 287 $64,679 $1,601 $63,078 $830,378
24 288 $64,679 $1,488 $63,191 $767,187
25 289 $64,679 $1,375 $63,305 $703,882
25 290 $64,679 $1,261 $63,418 $640,464
25 291 $64,679 $1,147 $63,532 $576,932
25 292 $64,679 $1,034 $63,646 $513,287
25 293 $64,679 $920 $63,760 $449,527
25 294 $64,679 $805 $63,874 $385,653
25 295 $64,679 $691 $63,988 $321,665
25 296 $64,679 $576 $64,103 $257,562
25 297 $64,679 $461 $64,218 $193,344
25 298 $64,679 $346 $64,333 $129,012
25 299 $64,679 $231 $64,448 $64,564
25 300 $64,679 $116 $64,564 $0