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$ 11,196,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 11,475,900
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$11,196,000
 
Monthly Repayment (HKD)
$72,415
Loan Amount (HKD)
$16,794,000
+
Total Interest (HKD)
$4,930,462
=
Total Repayment (HKD)
$21,724,462
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $72,415 $30,089 $42,326 $16,751,674
1 2 $72,415 $30,013 $42,401 $16,709,273
1 3 $72,415 $29,937 $42,477 $16,666,795
1 4 $72,415 $29,861 $42,554 $16,624,242
1 5 $72,415 $29,785 $42,630 $16,581,612
1 6 $72,415 $29,709 $42,706 $16,538,906
1 7 $72,415 $29,632 $42,783 $16,496,123
1 8 $72,415 $29,556 $42,859 $16,453,264
1 9 $72,415 $29,479 $42,936 $16,410,328
1 10 $72,415 $29,402 $43,013 $16,367,315
1 11 $72,415 $29,325 $43,090 $16,324,225
1 12 $72,415 $29,248 $43,167 $16,281,058
2 13 $72,415 $29,170 $43,245 $16,237,813
2 14 $72,415 $29,093 $43,322 $16,194,491
2 15 $72,415 $29,015 $43,400 $16,151,091
2 16 $72,415 $28,937 $43,478 $16,107,613
2 17 $72,415 $28,859 $43,555 $16,064,058
2 18 $72,415 $28,781 $43,633 $16,020,425
2 19 $72,415 $28,703 $43,712 $15,976,713
2 20 $72,415 $28,625 $43,790 $15,932,923
2 21 $72,415 $28,546 $43,868 $15,889,055
2 22 $72,415 $28,468 $43,947 $15,845,108
2 23 $72,415 $28,389 $44,026 $15,801,082
2 24 $72,415 $28,310 $44,105 $15,756,977
3 25 $72,415 $28,231 $44,184 $15,712,794
3 26 $72,415 $28,152 $44,263 $15,668,531
3 27 $72,415 $28,073 $44,342 $15,624,189
3 28 $72,415 $27,993 $44,422 $15,579,767
3 29 $72,415 $27,914 $44,501 $15,535,266
3 30 $72,415 $27,834 $44,581 $15,490,685
3 31 $72,415 $27,754 $44,661 $15,446,025
3 32 $72,415 $27,674 $44,741 $15,401,284
3 33 $72,415 $27,594 $44,821 $15,356,463
3 34 $72,415 $27,514 $44,901 $15,311,562
3 35 $72,415 $27,433 $44,982 $15,266,580
3 36 $72,415 $27,353 $45,062 $15,221,518
4 37 $72,415 $27,272 $45,143 $15,176,375
4 38 $72,415 $27,191 $45,224 $15,131,151
4 39 $72,415 $27,110 $45,305 $15,085,846
4 40 $72,415 $27,029 $45,386 $15,040,460
4 41 $72,415 $26,947 $45,467 $14,994,993
4 42 $72,415 $26,866 $45,549 $14,949,444
4 43 $72,415 $26,784 $45,630 $14,903,813
4 44 $72,415 $26,703 $45,712 $14,858,101
4 45 $72,415 $26,621 $45,794 $14,812,307
4 46 $72,415 $26,539 $45,876 $14,766,431
4 47 $72,415 $26,457 $45,958 $14,720,473
4 48 $72,415 $26,374 $46,041 $14,674,432
5 49 $72,415 $26,292 $46,123 $14,628,309
5 50 $72,415 $26,209 $46,206 $14,582,103
5 51 $72,415 $26,126 $46,289 $14,535,814
5 52 $72,415 $26,043 $46,372 $14,489,443
5 53 $72,415 $25,960 $46,455 $14,442,988
5 54 $72,415 $25,877 $46,538 $14,396,450
5 55 $72,415 $25,794 $46,621 $14,349,829
5 56 $72,415 $25,710 $46,705 $14,303,124
5 57 $72,415 $25,626 $46,788 $14,256,336
5 58 $72,415 $25,543 $46,872 $14,209,464
5 59 $72,415 $25,459 $46,956 $14,162,507
5 60 $72,415 $25,374 $47,040 $14,115,467
6 61 $72,415 $25,290 $47,125 $14,068,342
6 62 $72,415 $25,206 $47,209 $14,021,133
6 63 $72,415 $25,121 $47,294 $13,973,840
6 64 $72,415 $25,036 $47,378 $13,926,461
6 65 $72,415 $24,952 $47,463 $13,878,998
6 66 $72,415 $24,867 $47,548 $13,831,450
6 67 $72,415 $24,781 $47,634 $13,783,816
6 68 $72,415 $24,696 $47,719 $13,736,097
6 69 $72,415 $24,611 $47,804 $13,688,293
6 70 $72,415 $24,525 $47,890 $13,640,403
6 71 $72,415 $24,439 $47,976 $13,592,427
6 72 $72,415 $24,353 $48,062 $13,544,365
7 73 $72,415 $24,267 $48,148 $13,496,217
7 74 $72,415 $24,181 $48,234 $13,447,983
7 75 $72,415 $24,094 $48,321 $13,399,663
7 76 $72,415 $24,008 $48,407 $13,351,255
7 77 $72,415 $23,921 $48,494 $13,302,762
7 78 $72,415 $23,834 $48,581 $13,254,181
7 79 $72,415 $23,747 $48,668 $13,205,513
7 80 $72,415 $23,660 $48,755 $13,156,758
7 81 $72,415 $23,573 $48,842 $13,107,916
7 82 $72,415 $23,485 $48,930 $13,058,986
7 83 $72,415 $23,397 $49,018 $13,009,968
7 84 $72,415 $23,310 $49,105 $12,960,863
8 85 $72,415 $23,222 $49,193 $12,911,670
8 86 $72,415 $23,133 $49,281 $12,862,388
8 87 $72,415 $23,045 $49,370 $12,813,018
8 88 $72,415 $22,957 $49,458 $12,763,560
8 89 $72,415 $22,868 $49,547 $12,714,013
8 90 $72,415 $22,779 $49,636 $12,664,378
8 91 $72,415 $22,690 $49,725 $12,614,653
8 92 $72,415 $22,601 $49,814 $12,564,840
8 93 $72,415 $22,512 $49,903 $12,514,937
8 94 $72,415 $22,423 $49,992 $12,464,944
8 95 $72,415 $22,333 $50,082 $12,414,863
8 96 $72,415 $22,243 $50,172 $12,364,691
9 97 $72,415 $22,153 $50,261 $12,314,430
9 98 $72,415 $22,063 $50,352 $12,264,078
9 99 $72,415 $21,973 $50,442 $12,213,636
9 100 $72,415 $21,883 $50,532 $12,163,104
9 101 $72,415 $21,792 $50,623 $12,112,482
9 102 $72,415 $21,702 $50,713 $12,061,768
9 103 $72,415 $21,611 $50,804 $12,010,964
9 104 $72,415 $21,520 $50,895 $11,960,069
9 105 $72,415 $21,428 $50,986 $11,909,082
9 106 $72,415 $21,337 $51,078 $11,858,005
9 107 $72,415 $21,246 $51,169 $11,806,835
9 108 $72,415 $21,154 $51,261 $11,755,574
10 109 $72,415 $21,062 $51,353 $11,704,222
10 110 $72,415 $20,970 $51,445 $11,652,777
10 111 $72,415 $20,878 $51,537 $11,601,240
10 112 $72,415 $20,786 $51,629 $11,549,610
10 113 $72,415 $20,693 $51,722 $11,497,889
10 114 $72,415 $20,600 $51,814 $11,446,074
10 115 $72,415 $20,508 $51,907 $11,394,167
10 116 $72,415 $20,415 $52,000 $11,342,166
10 117 $72,415 $20,321 $52,093 $11,290,073
10 118 $72,415 $20,228 $52,187 $11,237,886
10 119 $72,415 $20,135 $52,280 $11,185,606
10 120 $72,415 $20,041 $52,374 $11,133,232
11 121 $72,415 $19,947 $52,468 $11,080,764
11 122 $72,415 $19,853 $52,562 $11,028,202
11 123 $72,415 $19,759 $52,656 $10,975,546
11 124 $72,415 $19,665 $52,750 $10,922,796
11 125 $72,415 $19,570 $52,845 $10,869,951
11 126 $72,415 $19,475 $52,940 $10,817,011
11 127 $72,415 $19,380 $53,034 $10,763,977
11 128 $72,415 $19,285 $53,129 $10,710,848
11 129 $72,415 $19,190 $53,225 $10,657,623
11 130 $72,415 $19,095 $53,320 $10,604,303
11 131 $72,415 $18,999 $53,415 $10,550,888
11 132 $72,415 $18,904 $53,511 $10,497,376
12 133 $72,415 $18,808 $53,607 $10,443,769
12 134 $72,415 $18,712 $53,703 $10,390,066
12 135 $72,415 $18,616 $53,799 $10,336,267
12 136 $72,415 $18,519 $53,896 $10,282,371
12 137 $72,415 $18,423 $53,992 $10,228,379
12 138 $72,415 $18,326 $54,089 $10,174,290
12 139 $72,415 $18,229 $54,186 $10,120,104
12 140 $72,415 $18,132 $54,283 $10,065,821
12 141 $72,415 $18,035 $54,380 $10,011,440
12 142 $72,415 $17,937 $54,478 $9,956,963
12 143 $72,415 $17,840 $54,575 $9,902,387
12 144 $72,415 $17,742 $54,673 $9,847,714
13 145 $72,415 $17,644 $54,771 $9,792,943
13 146 $72,415 $17,546 $54,869 $9,738,074
13 147 $72,415 $17,447 $54,967 $9,683,107
13 148 $72,415 $17,349 $55,066 $9,628,041
13 149 $72,415 $17,250 $55,165 $9,572,876
13 150 $72,415 $17,151 $55,263 $9,517,613
13 151 $72,415 $17,052 $55,362 $9,462,250
13 152 $72,415 $16,953 $55,462 $9,406,788
13 153 $72,415 $16,854 $55,561 $9,351,227
13 154 $72,415 $16,754 $55,661 $9,295,567
13 155 $72,415 $16,655 $55,760 $9,239,806
13 156 $72,415 $16,555 $55,860 $9,183,946
14 157 $72,415 $16,455 $55,960 $9,127,986
14 158 $72,415 $16,354 $56,061 $9,071,925
14 159 $72,415 $16,254 $56,161 $9,015,764
14 160 $72,415 $16,153 $56,262 $8,959,503
14 161 $72,415 $16,052 $56,362 $8,903,140
14 162 $72,415 $15,951 $56,463 $8,846,677
14 163 $72,415 $15,850 $56,565 $8,790,112
14 164 $72,415 $15,749 $56,666 $8,733,446
14 165 $72,415 $15,647 $56,767 $8,676,679
14 166 $72,415 $15,546 $56,869 $8,619,810
14 167 $72,415 $15,444 $56,971 $8,562,839
14 168 $72,415 $15,342 $57,073 $8,505,766
15 169 $72,415 $15,239 $57,175 $8,448,590
15 170 $72,415 $15,137 $57,278 $8,391,312
15 171 $72,415 $15,034 $57,380 $8,333,932
15 172 $72,415 $14,932 $57,483 $8,276,449
15 173 $72,415 $14,829 $57,586 $8,218,863
15 174 $72,415 $14,725 $57,689 $8,161,173
15 175 $72,415 $14,622 $57,793 $8,103,380
15 176 $72,415 $14,519 $57,896 $8,045,484
15 177 $72,415 $14,415 $58,000 $7,987,484
15 178 $72,415 $14,311 $58,104 $7,929,380
15 179 $72,415 $14,207 $58,208 $7,871,172
15 180 $72,415 $14,103 $58,312 $7,812,860
16 181 $72,415 $13,998 $58,417 $7,754,443
16 182 $72,415 $13,893 $58,521 $7,695,921
16 183 $72,415 $13,789 $58,626 $7,637,295
16 184 $72,415 $13,683 $58,731 $7,578,564
16 185 $72,415 $13,578 $58,837 $7,519,727
16 186 $72,415 $13,473 $58,942 $7,460,785
16 187 $72,415 $13,367 $59,048 $7,401,737
16 188 $72,415 $13,261 $59,153 $7,342,584
16 189 $72,415 $13,155 $59,259 $7,283,324
16 190 $72,415 $13,049 $59,366 $7,223,959
16 191 $72,415 $12,943 $59,472 $7,164,487
16 192 $72,415 $12,836 $59,579 $7,104,908
17 193 $72,415 $12,730 $59,685 $7,045,223
17 194 $72,415 $12,623 $59,792 $6,985,431
17 195 $72,415 $12,516 $59,899 $6,925,532
17 196 $72,415 $12,408 $60,007 $6,865,525
17 197 $72,415 $12,301 $60,114 $6,805,411
17 198 $72,415 $12,193 $60,222 $6,745,189
17 199 $72,415 $12,085 $60,330 $6,684,859
17 200 $72,415 $11,977 $60,438 $6,624,421
17 201 $72,415 $11,869 $60,546 $6,563,875
17 202 $72,415 $11,760 $60,655 $6,503,221
17 203 $72,415 $11,652 $60,763 $6,442,457
17 204 $72,415 $11,543 $60,872 $6,381,585
18 205 $72,415 $11,434 $60,981 $6,320,604
18 206 $72,415 $11,324 $61,090 $6,259,514
18 207 $72,415 $11,215 $61,200 $6,198,314
18 208 $72,415 $11,105 $61,310 $6,137,004
18 209 $72,415 $10,995 $61,419 $6,075,585
18 210 $72,415 $10,885 $61,529 $6,014,055
18 211 $72,415 $10,775 $61,640 $5,952,416
18 212 $72,415 $10,665 $61,750 $5,890,666
18 213 $72,415 $10,554 $61,861 $5,828,805
18 214 $72,415 $10,443 $61,972 $5,766,833
18 215 $72,415 $10,332 $62,083 $5,704,751
18 216 $72,415 $10,221 $62,194 $5,642,557
19 217 $72,415 $10,110 $62,305 $5,580,251
19 218 $72,415 $9,998 $62,417 $5,517,834
19 219 $72,415 $9,886 $62,529 $5,455,306
19 220 $72,415 $9,774 $62,641 $5,392,665
19 221 $72,415 $9,662 $62,753 $5,329,912
19 222 $72,415 $9,549 $62,865 $5,267,046
19 223 $72,415 $9,437 $62,978 $5,204,068
19 224 $72,415 $9,324 $63,091 $5,140,978
19 225 $72,415 $9,211 $63,204 $5,077,774
19 226 $72,415 $9,098 $63,317 $5,014,456
19 227 $72,415 $8,984 $63,431 $4,951,026
19 228 $72,415 $8,871 $63,544 $4,887,481
20 229 $72,415 $8,757 $63,658 $4,823,823
20 230 $72,415 $8,643 $63,772 $4,760,051
20 231 $72,415 $8,528 $63,886 $4,696,165
20 232 $72,415 $8,414 $64,001 $4,632,164
20 233 $72,415 $8,299 $64,116 $4,568,048
20 234 $72,415 $8,184 $64,230 $4,503,818
20 235 $72,415 $8,069 $64,346 $4,439,472
20 236 $72,415 $7,954 $64,461 $4,375,011
20 237 $72,415 $7,839 $64,576 $4,310,435
20 238 $72,415 $7,723 $64,692 $4,245,743
20 239 $72,415 $7,607 $64,808 $4,180,935
20 240 $72,415 $7,491 $64,924 $4,116,011
21 241 $72,415 $7,375 $65,040 $4,050,971
21 242 $72,415 $7,258 $65,157 $3,985,814
21 243 $72,415 $7,141 $65,274 $3,920,540
21 244 $72,415 $7,024 $65,391 $3,855,150
21 245 $72,415 $6,907 $65,508 $3,789,642
21 246 $72,415 $6,790 $65,625 $3,724,017
21 247 $72,415 $6,672 $65,743 $3,658,274
21 248 $72,415 $6,554 $65,860 $3,592,414
21 249 $72,415 $6,436 $65,978 $3,526,435
21 250 $72,415 $6,318 $66,097 $3,460,339
21 251 $72,415 $6,200 $66,215 $3,394,123
21 252 $72,415 $6,081 $66,334 $3,327,790
22 253 $72,415 $5,962 $66,453 $3,261,337
22 254 $72,415 $5,843 $66,572 $3,194,766
22 255 $72,415 $5,724 $66,691 $3,128,075
22 256 $72,415 $5,604 $66,810 $3,061,264
22 257 $72,415 $5,485 $66,930 $2,994,334
22 258 $72,415 $5,365 $67,050 $2,927,284
22 259 $72,415 $5,245 $67,170 $2,860,114
22 260 $72,415 $5,124 $67,291 $2,792,823
22 261 $72,415 $5,004 $67,411 $2,725,412
22 262 $72,415 $4,883 $67,532 $2,657,880
22 263 $72,415 $4,762 $67,653 $2,590,228
22 264 $72,415 $4,641 $67,774 $2,522,454
23 265 $72,415 $4,519 $67,895 $2,454,558
23 266 $72,415 $4,398 $68,017 $2,386,541
23 267 $72,415 $4,276 $68,139 $2,318,402
23 268 $72,415 $4,154 $68,261 $2,250,141
23 269 $72,415 $4,032 $68,383 $2,181,758
23 270 $72,415 $3,909 $68,506 $2,113,252
23 271 $72,415 $3,786 $68,629 $2,044,623
23 272 $72,415 $3,663 $68,752 $1,975,871
23 273 $72,415 $3,540 $68,875 $1,906,997
23 274 $72,415 $3,417 $68,998 $1,837,999
23 275 $72,415 $3,293 $69,122 $1,768,877
23 276 $72,415 $3,169 $69,246 $1,699,631
24 277 $72,415 $3,045 $69,370 $1,630,261
24 278 $72,415 $2,921 $69,494 $1,560,767
24 279 $72,415 $2,796 $69,618 $1,491,149
24 280 $72,415 $2,672 $69,743 $1,421,406
24 281 $72,415 $2,547 $69,868 $1,351,537
24 282 $72,415 $2,422 $69,993 $1,281,544
24 283 $72,415 $2,296 $70,119 $1,211,425
24 284 $72,415 $2,170 $70,244 $1,141,181
24 285 $72,415 $2,045 $70,370 $1,070,811
24 286 $72,415 $1,919 $70,496 $1,000,314
24 287 $72,415 $1,792 $70,623 $929,692
24 288 $72,415 $1,666 $70,749 $858,943
25 289 $72,415 $1,539 $70,876 $788,067
25 290 $72,415 $1,412 $71,003 $717,064
25 291 $72,415 $1,285 $71,130 $645,934
25 292 $72,415 $1,157 $71,258 $574,676
25 293 $72,415 $1,030 $71,385 $503,291
25 294 $72,415 $902 $71,513 $431,778
25 295 $72,415 $774 $71,641 $360,136
25 296 $72,415 $645 $71,770 $288,367
25 297 $72,415 $517 $71,898 $216,468
25 298 $72,415 $388 $72,027 $144,441
25 299 $72,415 $259 $72,156 $72,285
25 300 $72,415 $130 $72,285 $0