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$ 10,968,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 11,242,200
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$10,968,000
 
Monthly Repayment (HKD)
$70,940
Loan Amount (HKD)
$16,452,000
+
Total Interest (HKD)
$4,830,056
=
Total Repayment (HKD)
$21,282,056
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $70,940 $29,477 $41,464 $16,410,536
1 2 $70,940 $29,402 $41,538 $16,368,998
1 3 $70,940 $29,328 $41,612 $16,327,386
1 4 $70,940 $29,253 $41,687 $16,285,699
1 5 $70,940 $29,179 $41,762 $16,243,937
1 6 $70,940 $29,104 $41,836 $16,202,101
1 7 $70,940 $29,029 $41,911 $16,160,189
1 8 $70,940 $28,954 $41,987 $16,118,203
1 9 $70,940 $28,878 $42,062 $16,076,141
1 10 $70,940 $28,803 $42,137 $16,034,004
1 11 $70,940 $28,728 $42,213 $15,991,792
1 12 $70,940 $28,652 $42,288 $15,949,503
2 13 $70,940 $28,576 $42,364 $15,907,139
2 14 $70,940 $28,500 $42,440 $15,864,699
2 15 $70,940 $28,424 $42,516 $15,822,183
2 16 $70,940 $28,348 $42,592 $15,779,591
2 17 $70,940 $28,272 $42,668 $15,736,923
2 18 $70,940 $28,195 $42,745 $15,694,178
2 19 $70,940 $28,119 $42,821 $15,651,357
2 20 $70,940 $28,042 $42,898 $15,608,458
2 21 $70,940 $27,965 $42,975 $15,565,483
2 22 $70,940 $27,888 $43,052 $15,522,431
2 23 $70,940 $27,811 $43,129 $15,479,302
2 24 $70,940 $27,734 $43,206 $15,436,096
3 25 $70,940 $27,656 $43,284 $15,392,812
3 26 $70,940 $27,579 $43,361 $15,349,451
3 27 $70,940 $27,501 $43,439 $15,306,011
3 28 $70,940 $27,423 $43,517 $15,262,495
3 29 $70,940 $27,345 $43,595 $15,218,900
3 30 $70,940 $27,267 $43,673 $15,175,227
3 31 $70,940 $27,189 $43,751 $15,131,475
3 32 $70,940 $27,111 $43,830 $15,087,646
3 33 $70,940 $27,032 $43,908 $15,043,738
3 34 $70,940 $26,953 $43,987 $14,999,751
3 35 $70,940 $26,875 $44,066 $14,955,685
3 36 $70,940 $26,796 $44,145 $14,911,541
4 37 $70,940 $26,717 $44,224 $14,867,317
4 38 $70,940 $26,637 $44,303 $14,823,014
4 39 $70,940 $26,558 $44,382 $14,778,632
4 40 $70,940 $26,478 $44,462 $14,734,170
4 41 $70,940 $26,399 $44,541 $14,689,628
4 42 $70,940 $26,319 $44,621 $14,645,007
4 43 $70,940 $26,239 $44,701 $14,600,306
4 44 $70,940 $26,159 $44,781 $14,555,525
4 45 $70,940 $26,079 $44,862 $14,510,663
4 46 $70,940 $25,998 $44,942 $14,465,721
4 47 $70,940 $25,918 $45,022 $14,420,699
4 48 $70,940 $25,837 $45,103 $14,375,596
5 49 $70,940 $25,756 $45,184 $14,330,412
5 50 $70,940 $25,675 $45,265 $14,285,147
5 51 $70,940 $25,594 $45,346 $14,239,801
5 52 $70,940 $25,513 $45,427 $14,194,374
5 53 $70,940 $25,432 $45,509 $14,148,865
5 54 $70,940 $25,350 $45,590 $14,103,275
5 55 $70,940 $25,268 $45,672 $14,057,603
5 56 $70,940 $25,187 $45,754 $14,011,850
5 57 $70,940 $25,105 $45,836 $13,966,014
5 58 $70,940 $25,022 $45,918 $13,920,096
5 59 $70,940 $24,940 $46,000 $13,874,096
5 60 $70,940 $24,858 $46,082 $13,828,014
6 61 $70,940 $24,775 $46,165 $13,781,849
6 62 $70,940 $24,692 $46,248 $13,735,601
6 63 $70,940 $24,610 $46,331 $13,689,270
6 64 $70,940 $24,527 $46,414 $13,642,857
6 65 $70,940 $24,443 $46,497 $13,596,360
6 66 $70,940 $24,360 $46,580 $13,549,780
6 67 $70,940 $24,277 $46,663 $13,503,117
6 68 $70,940 $24,193 $46,747 $13,456,370
6 69 $70,940 $24,109 $46,831 $13,409,539
6 70 $70,940 $24,025 $46,915 $13,362,624
6 71 $70,940 $23,941 $46,999 $13,315,625
6 72 $70,940 $23,857 $47,083 $13,268,542
7 73 $70,940 $23,773 $47,167 $13,221,375
7 74 $70,940 $23,688 $47,252 $13,174,123
7 75 $70,940 $23,604 $47,337 $13,126,786
7 76 $70,940 $23,519 $47,421 $13,079,365
7 77 $70,940 $23,434 $47,506 $13,031,859
7 78 $70,940 $23,349 $47,591 $12,984,267
7 79 $70,940 $23,263 $47,677 $12,936,590
7 80 $70,940 $23,178 $47,762 $12,888,828
7 81 $70,940 $23,092 $47,848 $12,840,981
7 82 $70,940 $23,007 $47,933 $12,793,047
7 83 $70,940 $22,921 $48,019 $12,745,028
7 84 $70,940 $22,835 $48,105 $12,696,922
8 85 $70,940 $22,749 $48,192 $12,648,731
8 86 $70,940 $22,662 $48,278 $12,600,453
8 87 $70,940 $22,576 $48,364 $12,552,089
8 88 $70,940 $22,489 $48,451 $12,503,638
8 89 $70,940 $22,402 $48,538 $12,455,100
8 90 $70,940 $22,315 $48,625 $12,406,475
8 91 $70,940 $22,228 $48,712 $12,357,763
8 92 $70,940 $22,141 $48,799 $12,308,964
8 93 $70,940 $22,054 $48,887 $12,260,077
8 94 $70,940 $21,966 $48,974 $12,211,103
8 95 $70,940 $21,878 $49,062 $12,162,041
8 96 $70,940 $21,790 $49,150 $12,112,891
9 97 $70,940 $21,702 $49,238 $12,063,653
9 98 $70,940 $21,614 $49,326 $12,014,327
9 99 $70,940 $21,526 $49,415 $11,964,913
9 100 $70,940 $21,437 $49,503 $11,915,410
9 101 $70,940 $21,348 $49,592 $11,865,818
9 102 $70,940 $21,260 $49,681 $11,816,137
9 103 $70,940 $21,171 $49,770 $11,766,368
9 104 $70,940 $21,081 $49,859 $11,716,509
9 105 $70,940 $20,992 $49,948 $11,666,561
9 106 $70,940 $20,903 $50,038 $11,616,523
9 107 $70,940 $20,813 $50,127 $11,566,396
9 108 $70,940 $20,723 $50,217 $11,516,179
10 109 $70,940 $20,633 $50,307 $11,465,872
10 110 $70,940 $20,543 $50,397 $11,415,475
10 111 $70,940 $20,453 $50,487 $11,364,987
10 112 $70,940 $20,362 $50,578 $11,314,409
10 113 $70,940 $20,272 $50,669 $11,263,741
10 114 $70,940 $20,181 $50,759 $11,212,981
10 115 $70,940 $20,090 $50,850 $11,162,131
10 116 $70,940 $19,999 $50,941 $11,111,190
10 117 $70,940 $19,908 $51,033 $11,060,157
10 118 $70,940 $19,816 $51,124 $11,009,033
10 119 $70,940 $19,725 $51,216 $10,957,817
10 120 $70,940 $19,633 $51,307 $10,906,510
11 121 $70,940 $19,541 $51,399 $10,855,111
11 122 $70,940 $19,449 $51,491 $10,803,619
11 123 $70,940 $19,356 $51,584 $10,752,036
11 124 $70,940 $19,264 $51,676 $10,700,359
11 125 $70,940 $19,171 $51,769 $10,648,591
11 126 $70,940 $19,079 $51,861 $10,596,729
11 127 $70,940 $18,986 $51,954 $10,544,775
11 128 $70,940 $18,893 $52,047 $10,492,727
11 129 $70,940 $18,799 $52,141 $10,440,587
11 130 $70,940 $18,706 $52,234 $10,388,353
11 131 $70,940 $18,612 $52,328 $10,336,025
11 132 $70,940 $18,519 $52,421 $10,283,603
12 133 $70,940 $18,425 $52,515 $10,231,088
12 134 $70,940 $18,331 $52,609 $10,178,478
12 135 $70,940 $18,236 $52,704 $10,125,775
12 136 $70,940 $18,142 $52,798 $10,072,977
12 137 $70,940 $18,047 $52,893 $10,020,084
12 138 $70,940 $17,953 $52,988 $9,967,096
12 139 $70,940 $17,858 $53,082 $9,914,014
12 140 $70,940 $17,763 $53,178 $9,860,836
12 141 $70,940 $17,667 $53,273 $9,807,563
12 142 $70,940 $17,572 $53,368 $9,754,195
12 143 $70,940 $17,476 $53,464 $9,700,731
12 144 $70,940 $17,380 $53,560 $9,647,171
13 145 $70,940 $17,285 $53,656 $9,593,516
13 146 $70,940 $17,188 $53,752 $9,539,764
13 147 $70,940 $17,092 $53,848 $9,485,916
13 148 $70,940 $16,996 $53,945 $9,431,971
13 149 $70,940 $16,899 $54,041 $9,377,930
13 150 $70,940 $16,802 $54,138 $9,323,792
13 151 $70,940 $16,705 $54,235 $9,269,557
13 152 $70,940 $16,608 $54,332 $9,215,225
13 153 $70,940 $16,511 $54,430 $9,160,795
13 154 $70,940 $16,413 $54,527 $9,106,268
13 155 $70,940 $16,315 $54,625 $9,051,643
13 156 $70,940 $16,218 $54,723 $8,996,921
14 157 $70,940 $16,119 $54,821 $8,942,100
14 158 $70,940 $16,021 $54,919 $8,887,181
14 159 $70,940 $15,923 $55,017 $8,832,164
14 160 $70,940 $15,824 $55,116 $8,777,048
14 161 $70,940 $15,726 $55,215 $8,721,833
14 162 $70,940 $15,627 $55,314 $8,666,520
14 163 $70,940 $15,528 $55,413 $8,611,107
14 164 $70,940 $15,428 $55,512 $8,555,595
14 165 $70,940 $15,329 $55,611 $8,499,983
14 166 $70,940 $15,229 $55,711 $8,444,272
14 167 $70,940 $15,129 $55,811 $8,388,462
14 168 $70,940 $15,029 $55,911 $8,332,551
15 169 $70,940 $14,929 $56,011 $8,276,540
15 170 $70,940 $14,829 $56,111 $8,220,428
15 171 $70,940 $14,728 $56,212 $8,164,216
15 172 $70,940 $14,628 $56,313 $8,107,904
15 173 $70,940 $14,527 $56,414 $8,051,490
15 174 $70,940 $14,426 $56,515 $7,994,976
15 175 $70,940 $14,324 $56,616 $7,938,360
15 176 $70,940 $14,223 $56,717 $7,881,642
15 177 $70,940 $14,121 $56,819 $7,824,824
15 178 $70,940 $14,019 $56,921 $7,767,903
15 179 $70,940 $13,917 $57,023 $7,710,880
15 180 $70,940 $13,815 $57,125 $7,653,755
16 181 $70,940 $13,713 $57,227 $7,596,528
16 182 $70,940 $13,610 $57,330 $7,539,198
16 183 $70,940 $13,508 $57,432 $7,481,766
16 184 $70,940 $13,405 $57,535 $7,424,231
16 185 $70,940 $13,302 $57,638 $7,366,592
16 186 $70,940 $13,198 $57,742 $7,308,850
16 187 $70,940 $13,095 $57,845 $7,251,005
16 188 $70,940 $12,991 $57,949 $7,193,056
16 189 $70,940 $12,888 $58,053 $7,135,004
16 190 $70,940 $12,784 $58,157 $7,076,847
16 191 $70,940 $12,679 $58,261 $7,018,586
16 192 $70,940 $12,575 $58,365 $6,960,221
17 193 $70,940 $12,470 $58,470 $6,901,751
17 194 $70,940 $12,366 $58,575 $6,843,177
17 195 $70,940 $12,261 $58,679 $6,784,497
17 196 $70,940 $12,156 $58,785 $6,725,713
17 197 $70,940 $12,050 $58,890 $6,666,823
17 198 $70,940 $11,945 $58,995 $6,607,827
17 199 $70,940 $11,839 $59,101 $6,548,726
17 200 $70,940 $11,733 $59,207 $6,489,519
17 201 $70,940 $11,627 $59,313 $6,430,206
17 202 $70,940 $11,521 $59,419 $6,370,786
17 203 $70,940 $11,414 $59,526 $6,311,261
17 204 $70,940 $11,308 $59,633 $6,251,628
18 205 $70,940 $11,201 $59,739 $6,191,889
18 206 $70,940 $11,094 $59,846 $6,132,042
18 207 $70,940 $10,987 $59,954 $6,072,089
18 208 $70,940 $10,879 $60,061 $6,012,028
18 209 $70,940 $10,772 $60,169 $5,951,859
18 210 $70,940 $10,664 $60,276 $5,891,583
18 211 $70,940 $10,556 $60,384 $5,831,198
18 212 $70,940 $10,448 $60,493 $5,770,706
18 213 $70,940 $10,339 $60,601 $5,710,105
18 214 $70,940 $10,231 $60,710 $5,649,395
18 215 $70,940 $10,122 $60,818 $5,588,577
18 216 $70,940 $10,013 $60,927 $5,527,649
19 217 $70,940 $9,904 $61,036 $5,466,613
19 218 $70,940 $9,794 $61,146 $5,405,467
19 219 $70,940 $9,685 $61,255 $5,344,212
19 220 $70,940 $9,575 $61,365 $5,282,846
19 221 $70,940 $9,465 $61,475 $5,221,371
19 222 $70,940 $9,355 $61,585 $5,159,786
19 223 $70,940 $9,245 $61,696 $5,098,091
19 224 $70,940 $9,134 $61,806 $5,036,284
19 225 $70,940 $9,023 $61,917 $4,974,368
19 226 $70,940 $8,912 $62,028 $4,912,340
19 227 $70,940 $8,801 $62,139 $4,850,201
19 228 $70,940 $8,690 $62,250 $4,787,951
20 229 $70,940 $8,578 $62,362 $4,725,589
20 230 $70,940 $8,467 $62,474 $4,663,115
20 231 $70,940 $8,355 $62,585 $4,600,530
20 232 $70,940 $8,243 $62,698 $4,537,832
20 233 $70,940 $8,130 $62,810 $4,475,023
20 234 $70,940 $8,018 $62,922 $4,412,100
20 235 $70,940 $7,905 $63,035 $4,349,065
20 236 $70,940 $7,792 $63,148 $4,285,917
20 237 $70,940 $7,679 $63,261 $4,222,656
20 238 $70,940 $7,566 $63,375 $4,159,281
20 239 $70,940 $7,452 $63,488 $4,095,793
20 240 $70,940 $7,338 $63,602 $4,032,191
21 241 $70,940 $7,224 $63,716 $3,968,475
21 242 $70,940 $7,110 $63,830 $3,904,645
21 243 $70,940 $6,996 $63,944 $3,840,701
21 244 $70,940 $6,881 $64,059 $3,776,642
21 245 $70,940 $6,766 $64,174 $3,712,468
21 246 $70,940 $6,652 $64,289 $3,648,179
21 247 $70,940 $6,536 $64,404 $3,583,776
21 248 $70,940 $6,421 $64,519 $3,519,256
21 249 $70,940 $6,305 $64,635 $3,454,621
21 250 $70,940 $6,190 $64,751 $3,389,871
21 251 $70,940 $6,074 $64,867 $3,325,004
21 252 $70,940 $5,957 $64,983 $3,260,021
22 253 $70,940 $5,841 $65,099 $3,194,922
22 254 $70,940 $5,724 $65,216 $3,129,706
22 255 $70,940 $5,607 $65,333 $3,064,373
22 256 $70,940 $5,490 $65,450 $2,998,923
22 257 $70,940 $5,373 $65,567 $2,933,356
22 258 $70,940 $5,256 $65,685 $2,867,672
22 259 $70,940 $5,138 $65,802 $2,801,869
22 260 $70,940 $5,020 $65,920 $2,735,949
22 261 $70,940 $4,902 $66,038 $2,669,911
22 262 $70,940 $4,784 $66,157 $2,603,754
22 263 $70,940 $4,665 $66,275 $2,537,479
22 264 $70,940 $4,546 $66,394 $2,471,085
23 265 $70,940 $4,427 $66,513 $2,404,572
23 266 $70,940 $4,308 $66,632 $2,337,940
23 267 $70,940 $4,189 $66,751 $2,271,189
23 268 $70,940 $4,069 $66,871 $2,204,318
23 269 $70,940 $3,949 $66,991 $2,137,327
23 270 $70,940 $3,829 $67,111 $2,070,217
23 271 $70,940 $3,709 $67,231 $2,002,985
23 272 $70,940 $3,589 $67,352 $1,935,634
23 273 $70,940 $3,468 $67,472 $1,868,162
23 274 $70,940 $3,347 $67,593 $1,800,569
23 275 $70,940 $3,226 $67,714 $1,732,855
23 276 $70,940 $3,105 $67,835 $1,665,019
24 277 $70,940 $2,983 $67,957 $1,597,062
24 278 $70,940 $2,861 $68,079 $1,528,983
24 279 $70,940 $2,739 $68,201 $1,460,783
24 280 $70,940 $2,617 $68,323 $1,392,460
24 281 $70,940 $2,495 $68,445 $1,324,014
24 282 $70,940 $2,372 $68,568 $1,255,446
24 283 $70,940 $2,249 $68,691 $1,186,755
24 284 $70,940 $2,126 $68,814 $1,117,941
24 285 $70,940 $2,003 $68,937 $1,049,004
24 286 $70,940 $1,879 $69,061 $979,944
24 287 $70,940 $1,756 $69,184 $910,759
24 288 $70,940 $1,632 $69,308 $841,451
25 289 $70,940 $1,508 $69,433 $772,018
25 290 $70,940 $1,383 $69,557 $702,461
25 291 $70,940 $1,259 $69,682 $632,779
25 292 $70,940 $1,134 $69,806 $562,973
25 293 $70,940 $1,009 $69,932 $493,042
25 294 $70,940 $883 $70,057 $422,985
25 295 $70,940 $758 $70,182 $352,802
25 296 $70,940 $632 $70,308 $282,494
25 297 $70,940 $506 $70,434 $212,060
25 298 $70,940 $380 $70,560 $141,500
25 299 $70,940 $254 $70,687 $70,813
25 300 $70,940 $127 $70,813 $0