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$ 7,352,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 7,535,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$7,352,000
 
Monthly Repayment (HKD)
$47,552
Loan Amount (HKD)
$11,028,000
+
Total Interest (HKD)
$3,237,652
=
Total Repayment (HKD)
$14,265,652
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $47,552 $19,759 $27,794 $11,000,206
1 2 $47,552 $19,709 $27,843 $10,972,363
1 3 $47,552 $19,659 $27,893 $10,944,469
1 4 $47,552 $19,609 $27,943 $10,916,526
1 5 $47,552 $19,559 $27,993 $10,888,533
1 6 $47,552 $19,509 $28,044 $10,860,489
1 7 $47,552 $19,458 $28,094 $10,832,395
1 8 $47,552 $19,408 $28,144 $10,804,251
1 9 $47,552 $19,358 $28,195 $10,776,057
1 10 $47,552 $19,307 $28,245 $10,747,812
1 11 $47,552 $19,256 $28,296 $10,719,516
1 12 $47,552 $19,206 $28,346 $10,691,170
2 13 $47,552 $19,155 $28,397 $10,662,772
2 14 $47,552 $19,104 $28,448 $10,634,324
2 15 $47,552 $19,053 $28,499 $10,605,825
2 16 $47,552 $19,002 $28,550 $10,577,275
2 17 $47,552 $18,951 $28,601 $10,548,674
2 18 $47,552 $18,900 $28,652 $10,520,022
2 19 $47,552 $18,848 $28,704 $10,491,318
2 20 $47,552 $18,797 $28,755 $10,462,563
2 21 $47,552 $18,745 $28,807 $10,433,756
2 22 $47,552 $18,694 $28,858 $10,404,897
2 23 $47,552 $18,642 $28,910 $10,375,987
2 24 $47,552 $18,590 $28,962 $10,347,026
3 25 $47,552 $18,538 $29,014 $10,318,012
3 26 $47,552 $18,486 $29,066 $10,288,946
3 27 $47,552 $18,434 $29,118 $10,259,828
3 28 $47,552 $18,382 $29,170 $10,230,658
3 29 $47,552 $18,330 $29,222 $10,201,436
3 30 $47,552 $18,278 $29,275 $10,172,161
3 31 $47,552 $18,225 $29,327 $10,142,834
3 32 $47,552 $18,173 $29,380 $10,113,455
3 33 $47,552 $18,120 $29,432 $10,084,023
3 34 $47,552 $18,067 $29,485 $10,054,538
3 35 $47,552 $18,014 $29,538 $10,025,000
3 36 $47,552 $17,961 $29,591 $9,995,409
4 37 $47,552 $17,908 $29,644 $9,965,765
4 38 $47,552 $17,855 $29,697 $9,936,068
4 39 $47,552 $17,802 $29,750 $9,906,318
4 40 $47,552 $17,749 $29,803 $9,876,515
4 41 $47,552 $17,695 $29,857 $9,846,658
4 42 $47,552 $17,642 $29,910 $9,816,748
4 43 $47,552 $17,588 $29,964 $9,786,784
4 44 $47,552 $17,535 $30,018 $9,756,767
4 45 $47,552 $17,481 $30,071 $9,726,695
4 46 $47,552 $17,427 $30,125 $9,696,570
4 47 $47,552 $17,373 $30,179 $9,666,391
4 48 $47,552 $17,319 $30,233 $9,636,158
5 49 $47,552 $17,265 $30,287 $9,605,870
5 50 $47,552 $17,211 $30,342 $9,575,529
5 51 $47,552 $17,156 $30,396 $9,545,133
5 52 $47,552 $17,102 $30,450 $9,514,682
5 53 $47,552 $17,047 $30,505 $9,484,177
5 54 $47,552 $16,992 $30,560 $9,453,618
5 55 $47,552 $16,938 $30,614 $9,423,003
5 56 $47,552 $16,883 $30,669 $9,392,334
5 57 $47,552 $16,828 $30,724 $9,361,610
5 58 $47,552 $16,773 $30,779 $9,330,830
5 59 $47,552 $16,718 $30,834 $9,299,996
5 60 $47,552 $16,662 $30,890 $9,269,106
6 61 $47,552 $16,607 $30,945 $9,238,161
6 62 $47,552 $16,552 $31,000 $9,207,161
6 63 $47,552 $16,496 $31,056 $9,176,105
6 64 $47,552 $16,441 $31,112 $9,144,993
6 65 $47,552 $16,385 $31,167 $9,113,826
6 66 $47,552 $16,329 $31,223 $9,082,602
6 67 $47,552 $16,273 $31,279 $9,051,323
6 68 $47,552 $16,217 $31,335 $9,019,988
6 69 $47,552 $16,161 $31,391 $8,988,597
6 70 $47,552 $16,105 $31,448 $8,957,149
6 71 $47,552 $16,048 $31,504 $8,925,645
6 72 $47,552 $15,992 $31,560 $8,894,085
7 73 $47,552 $15,935 $31,617 $8,862,468
7 74 $47,552 $15,879 $31,674 $8,830,794
7 75 $47,552 $15,822 $31,730 $8,799,064
7 76 $47,552 $15,765 $31,787 $8,767,277
7 77 $47,552 $15,708 $31,844 $8,735,433
7 78 $47,552 $15,651 $31,901 $8,703,531
7 79 $47,552 $15,594 $31,958 $8,671,573
7 80 $47,552 $15,537 $32,016 $8,639,557
7 81 $47,552 $15,479 $32,073 $8,607,484
7 82 $47,552 $15,422 $32,130 $8,575,354
7 83 $47,552 $15,364 $32,188 $8,543,166
7 84 $47,552 $15,307 $32,246 $8,510,920
8 85 $47,552 $15,249 $32,303 $8,478,617
8 86 $47,552 $15,191 $32,361 $8,446,256
8 87 $47,552 $15,133 $32,419 $8,413,836
8 88 $47,552 $15,075 $32,477 $8,381,359
8 89 $47,552 $15,017 $32,536 $8,348,823
8 90 $47,552 $14,958 $32,594 $8,316,229
8 91 $47,552 $14,900 $32,652 $8,283,577
8 92 $47,552 $14,841 $32,711 $8,250,866
8 93 $47,552 $14,783 $32,769 $8,218,097
8 94 $47,552 $14,724 $32,828 $8,185,269
8 95 $47,552 $14,665 $32,887 $8,152,382
8 96 $47,552 $14,606 $32,946 $8,119,436
9 97 $47,552 $14,547 $33,005 $8,086,431
9 98 $47,552 $14,488 $33,064 $8,053,367
9 99 $47,552 $14,429 $33,123 $8,020,244
9 100 $47,552 $14,370 $33,183 $7,987,062
9 101 $47,552 $14,310 $33,242 $7,953,820
9 102 $47,552 $14,251 $33,302 $7,920,518
9 103 $47,552 $14,191 $33,361 $7,887,157
9 104 $47,552 $14,131 $33,421 $7,853,736
9 105 $47,552 $14,071 $33,481 $7,820,255
9 106 $47,552 $14,011 $33,541 $7,786,714
9 107 $47,552 $13,951 $33,601 $7,753,113
9 108 $47,552 $13,891 $33,661 $7,719,452
10 109 $47,552 $13,831 $33,721 $7,685,730
10 110 $47,552 $13,770 $33,782 $7,651,948
10 111 $47,552 $13,710 $33,842 $7,618,106
10 112 $47,552 $13,649 $33,903 $7,584,203
10 113 $47,552 $13,588 $33,964 $7,550,239
10 114 $47,552 $13,528 $34,025 $7,516,214
10 115 $47,552 $13,467 $34,086 $7,482,129
10 116 $47,552 $13,405 $34,147 $7,447,982
10 117 $47,552 $13,344 $34,208 $7,413,774
10 118 $47,552 $13,283 $34,269 $7,379,505
10 119 $47,552 $13,222 $34,331 $7,345,175
10 120 $47,552 $13,160 $34,392 $7,310,782
11 121 $47,552 $13,098 $34,454 $7,276,329
11 122 $47,552 $13,037 $34,515 $7,241,813
11 123 $47,552 $12,975 $34,577 $7,207,236
11 124 $47,552 $12,913 $34,639 $7,172,597
11 125 $47,552 $12,851 $34,701 $7,137,896
11 126 $47,552 $12,789 $34,763 $7,103,132
11 127 $47,552 $12,726 $34,826 $7,068,306
11 128 $47,552 $12,664 $34,888 $7,033,418
11 129 $47,552 $12,602 $34,951 $6,998,468
11 130 $47,552 $12,539 $35,013 $6,963,454
11 131 $47,552 $12,476 $35,076 $6,928,378
11 132 $47,552 $12,413 $35,139 $6,893,240
12 133 $47,552 $12,350 $35,202 $6,858,038
12 134 $47,552 $12,287 $35,265 $6,822,773
12 135 $47,552 $12,224 $35,328 $6,787,445
12 136 $47,552 $12,161 $35,391 $6,752,054
12 137 $47,552 $12,097 $35,455 $6,716,599
12 138 $47,552 $12,034 $35,518 $6,681,081
12 139 $47,552 $11,970 $35,582 $6,645,499
12 140 $47,552 $11,907 $35,646 $6,609,853
12 141 $47,552 $11,843 $35,710 $6,574,143
12 142 $47,552 $11,779 $35,774 $6,538,370
12 143 $47,552 $11,715 $35,838 $6,502,532
12 144 $47,552 $11,650 $35,902 $6,466,631
13 145 $47,552 $11,586 $35,966 $6,430,664
13 146 $47,552 $11,522 $36,031 $6,394,634
13 147 $47,552 $11,457 $36,095 $6,358,539
13 148 $47,552 $11,392 $36,160 $6,322,379
13 149 $47,552 $11,328 $36,225 $6,286,154
13 150 $47,552 $11,263 $36,289 $6,249,865
13 151 $47,552 $11,198 $36,354 $6,213,510
13 152 $47,552 $11,133 $36,420 $6,177,091
13 153 $47,552 $11,067 $36,485 $6,140,606
13 154 $47,552 $11,002 $36,550 $6,104,056
13 155 $47,552 $10,936 $36,616 $6,067,440
13 156 $47,552 $10,871 $36,681 $6,030,759
14 157 $47,552 $10,805 $36,747 $5,994,011
14 158 $47,552 $10,739 $36,813 $5,957,199
14 159 $47,552 $10,673 $36,879 $5,920,320
14 160 $47,552 $10,607 $36,945 $5,883,375
14 161 $47,552 $10,541 $37,011 $5,846,364
14 162 $47,552 $10,475 $37,077 $5,809,286
14 163 $47,552 $10,408 $37,144 $5,772,142
14 164 $47,552 $10,342 $37,210 $5,734,932
14 165 $47,552 $10,275 $37,277 $5,697,655
14 166 $47,552 $10,208 $37,344 $5,660,311
14 167 $47,552 $10,141 $37,411 $5,622,900
14 168 $47,552 $10,074 $37,478 $5,585,422
15 169 $47,552 $10,007 $37,545 $5,547,877
15 170 $47,552 $9,940 $37,612 $5,510,265
15 171 $47,552 $9,873 $37,680 $5,472,586
15 172 $47,552 $9,805 $37,747 $5,434,838
15 173 $47,552 $9,737 $37,815 $5,397,024
15 174 $47,552 $9,670 $37,883 $5,359,141
15 175 $47,552 $9,602 $37,950 $5,321,191
15 176 $47,552 $9,534 $38,018 $5,283,172
15 177 $47,552 $9,466 $38,086 $5,245,086
15 178 $47,552 $9,397 $38,155 $5,206,931
15 179 $47,552 $9,329 $38,223 $5,168,708
15 180 $47,552 $9,261 $38,292 $5,130,417
16 181 $47,552 $9,192 $38,360 $5,092,056
16 182 $47,552 $9,123 $38,429 $5,053,627
16 183 $47,552 $9,054 $38,498 $5,015,130
16 184 $47,552 $8,985 $38,567 $4,976,563
16 185 $47,552 $8,916 $38,636 $4,937,927
16 186 $47,552 $8,847 $38,705 $4,899,222
16 187 $47,552 $8,778 $38,774 $4,860,448
16 188 $47,552 $8,708 $38,844 $4,821,604
16 189 $47,552 $8,639 $38,913 $4,782,690
16 190 $47,552 $8,569 $38,983 $4,743,707
16 191 $47,552 $8,499 $39,053 $4,704,654
16 192 $47,552 $8,429 $39,123 $4,665,531
17 193 $47,552 $8,359 $39,193 $4,626,338
17 194 $47,552 $8,289 $39,263 $4,587,075
17 195 $47,552 $8,219 $39,334 $4,547,741
17 196 $47,552 $8,148 $39,404 $4,508,337
17 197 $47,552 $8,077 $39,475 $4,468,862
17 198 $47,552 $8,007 $39,545 $4,429,317
17 199 $47,552 $7,936 $39,616 $4,389,700
17 200 $47,552 $7,865 $39,687 $4,350,013
17 201 $47,552 $7,794 $39,758 $4,310,255
17 202 $47,552 $7,723 $39,830 $4,270,425
17 203 $47,552 $7,651 $39,901 $4,230,524
17 204 $47,552 $7,580 $39,972 $4,190,552
18 205 $47,552 $7,508 $40,044 $4,150,507
18 206 $47,552 $7,436 $40,116 $4,110,392
18 207 $47,552 $7,364 $40,188 $4,070,204
18 208 $47,552 $7,292 $40,260 $4,029,944
18 209 $47,552 $7,220 $40,332 $3,989,612
18 210 $47,552 $7,148 $40,404 $3,949,208
18 211 $47,552 $7,076 $40,477 $3,908,732
18 212 $47,552 $7,003 $40,549 $3,868,183
18 213 $47,552 $6,930 $40,622 $3,827,561
18 214 $47,552 $6,858 $40,694 $3,786,867
18 215 $47,552 $6,785 $40,767 $3,746,099
18 216 $47,552 $6,712 $40,840 $3,705,259
19 217 $47,552 $6,639 $40,914 $3,664,345
19 218 $47,552 $6,565 $40,987 $3,623,358
19 219 $47,552 $6,492 $41,060 $3,582,298
19 220 $47,552 $6,418 $41,134 $3,541,164
19 221 $47,552 $6,345 $41,208 $3,499,956
19 222 $47,552 $6,271 $41,281 $3,458,675
19 223 $47,552 $6,197 $41,355 $3,417,320
19 224 $47,552 $6,123 $41,429 $3,375,890
19 225 $47,552 $6,048 $41,504 $3,334,386
19 226 $47,552 $5,974 $41,578 $3,292,808
19 227 $47,552 $5,900 $41,653 $3,251,156
19 228 $47,552 $5,825 $41,727 $3,209,429
20 229 $47,552 $5,750 $41,802 $3,167,627
20 230 $47,552 $5,675 $41,877 $3,125,750
20 231 $47,552 $5,600 $41,952 $3,083,798
20 232 $47,552 $5,525 $42,027 $3,041,771
20 233 $47,552 $5,450 $42,102 $2,999,669
20 234 $47,552 $5,374 $42,178 $2,957,491
20 235 $47,552 $5,299 $42,253 $2,915,238
20 236 $47,552 $5,223 $42,329 $2,872,908
20 237 $47,552 $5,147 $42,405 $2,830,504
20 238 $47,552 $5,071 $42,481 $2,788,023
20 239 $47,552 $4,995 $42,557 $2,745,466
20 240 $47,552 $4,919 $42,633 $2,702,833
21 241 $47,552 $4,843 $42,710 $2,660,123
21 242 $47,552 $4,766 $42,786 $2,617,337
21 243 $47,552 $4,689 $42,863 $2,574,474
21 244 $47,552 $4,613 $42,940 $2,531,535
21 245 $47,552 $4,536 $43,017 $2,488,518
21 246 $47,552 $4,459 $43,094 $2,445,424
21 247 $47,552 $4,381 $43,171 $2,402,254
21 248 $47,552 $4,304 $43,248 $2,359,005
21 249 $47,552 $4,227 $43,326 $2,315,680
21 250 $47,552 $4,149 $43,403 $2,272,277
21 251 $47,552 $4,071 $43,481 $2,228,796
21 252 $47,552 $3,993 $43,559 $2,185,237
22 253 $47,552 $3,915 $43,637 $2,141,600
22 254 $47,552 $3,837 $43,715 $2,097,885
22 255 $47,552 $3,759 $43,793 $2,054,091
22 256 $47,552 $3,680 $43,872 $2,010,219
22 257 $47,552 $3,602 $43,951 $1,966,269
22 258 $47,552 $3,523 $44,029 $1,922,239
22 259 $47,552 $3,444 $44,108 $1,878,131
22 260 $47,552 $3,365 $44,187 $1,833,944
22 261 $47,552 $3,286 $44,266 $1,789,678
22 262 $47,552 $3,207 $44,346 $1,745,332
22 263 $47,552 $3,127 $44,425 $1,700,907
22 264 $47,552 $3,047 $44,505 $1,656,402
23 265 $47,552 $2,968 $44,584 $1,611,818
23 266 $47,552 $2,888 $44,664 $1,567,153
23 267 $47,552 $2,808 $44,744 $1,522,409
23 268 $47,552 $2,728 $44,825 $1,477,585
23 269 $47,552 $2,647 $44,905 $1,432,680
23 270 $47,552 $2,567 $44,985 $1,387,694
23 271 $47,552 $2,486 $45,066 $1,342,629
23 272 $47,552 $2,406 $45,147 $1,297,482
23 273 $47,552 $2,325 $45,228 $1,252,254
23 274 $47,552 $2,244 $45,309 $1,206,946
23 275 $47,552 $2,162 $45,390 $1,161,556
23 276 $47,552 $2,081 $45,471 $1,116,085
24 277 $47,552 $2,000 $45,553 $1,070,532
24 278 $47,552 $1,918 $45,634 $1,024,898
24 279 $47,552 $1,836 $45,716 $979,182
24 280 $47,552 $1,754 $45,798 $933,385
24 281 $47,552 $1,672 $45,880 $887,505
24 282 $47,552 $1,590 $45,962 $841,543
24 283 $47,552 $1,508 $46,044 $795,498
24 284 $47,552 $1,425 $46,127 $749,371
24 285 $47,552 $1,343 $46,210 $703,162
24 286 $47,552 $1,260 $46,292 $656,870
24 287 $47,552 $1,177 $46,375 $610,494
24 288 $47,552 $1,094 $46,458 $564,036
25 289 $47,552 $1,011 $46,542 $517,494
25 290 $47,552 $927 $46,625 $470,869
25 291 $47,552 $844 $46,709 $424,161
25 292 $47,552 $760 $46,792 $377,369
25 293 $47,552 $676 $46,876 $330,492
25 294 $47,552 $592 $46,960 $283,532
25 295 $47,552 $508 $47,044 $236,488
25 296 $47,552 $424 $47,128 $189,360
25 297 $47,552 $339 $47,213 $142,147
25 298 $47,552 $255 $47,297 $94,849
25 299 $47,552 $170 $47,382 $47,467
25 300 $47,552 $85 $47,467 $0