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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$ 8,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 8,528,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$8,320,000
 
Monthly Repayment (HKD)
$53,813
Loan Amount (HKD)
$12,480,000
+
Total Interest (HKD)
$3,663,937
=
Total Repayment (HKD)
$16,143,937
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $53,813 $22,360 $31,453 $12,448,547
1 2 $53,813 $22,304 $31,509 $12,417,037
1 3 $53,813 $22,247 $31,566 $12,385,471
1 4 $53,813 $22,191 $31,622 $12,353,849
1 5 $53,813 $22,134 $31,679 $12,322,170
1 6 $53,813 $22,077 $31,736 $12,290,434
1 7 $53,813 $22,020 $31,793 $12,258,641
1 8 $53,813 $21,963 $31,850 $12,226,791
1 9 $53,813 $21,906 $31,907 $12,194,885
1 10 $53,813 $21,849 $31,964 $12,162,921
1 11 $53,813 $21,792 $32,021 $12,130,899
1 12 $53,813 $21,735 $32,079 $12,098,821
2 13 $53,813 $21,677 $32,136 $12,066,685
2 14 $53,813 $21,619 $32,194 $12,034,491
2 15 $53,813 $21,562 $32,251 $12,002,240
2 16 $53,813 $21,504 $32,309 $11,969,931
2 17 $53,813 $21,446 $32,367 $11,937,564
2 18 $53,813 $21,388 $32,425 $11,905,139
2 19 $53,813 $21,330 $32,483 $11,872,656
2 20 $53,813 $21,272 $32,541 $11,840,114
2 21 $53,813 $21,214 $32,600 $11,807,515
2 22 $53,813 $21,155 $32,658 $11,774,857
2 23 $53,813 $21,097 $32,717 $11,742,140
2 24 $53,813 $21,038 $32,775 $11,709,365
3 25 $53,813 $20,979 $32,834 $11,676,531
3 26 $53,813 $20,920 $32,893 $11,643,639
3 27 $53,813 $20,862 $32,952 $11,610,687
3 28 $53,813 $20,802 $33,011 $11,577,676
3 29 $53,813 $20,743 $33,070 $11,544,607
3 30 $53,813 $20,684 $33,129 $11,511,478
3 31 $53,813 $20,625 $33,188 $11,478,289
3 32 $53,813 $20,565 $33,248 $11,445,041
3 33 $53,813 $20,506 $33,307 $11,411,734
3 34 $53,813 $20,446 $33,367 $11,378,367
3 35 $53,813 $20,386 $33,427 $11,344,940
3 36 $53,813 $20,326 $33,487 $11,311,453
4 37 $53,813 $20,266 $33,547 $11,277,906
4 38 $53,813 $20,206 $33,607 $11,244,299
4 39 $53,813 $20,146 $33,667 $11,210,632
4 40 $53,813 $20,086 $33,727 $11,176,905
4 41 $53,813 $20,025 $33,788 $11,143,117
4 42 $53,813 $19,965 $33,848 $11,109,269
4 43 $53,813 $19,904 $33,909 $11,075,360
4 44 $53,813 $19,843 $33,970 $11,041,390
4 45 $53,813 $19,782 $34,031 $11,007,359
4 46 $53,813 $19,722 $34,092 $10,973,268
4 47 $53,813 $19,660 $34,153 $10,939,115
4 48 $53,813 $19,599 $34,214 $10,904,901
5 49 $53,813 $19,538 $34,275 $10,870,626
5 50 $53,813 $19,477 $34,337 $10,836,289
5 51 $53,813 $19,415 $34,398 $10,801,891
5 52 $53,813 $19,353 $34,460 $10,767,432
5 53 $53,813 $19,292 $34,521 $10,732,910
5 54 $53,813 $19,230 $34,583 $10,698,327
5 55 $53,813 $19,168 $34,645 $10,663,681
5 56 $53,813 $19,106 $34,707 $10,628,974
5 57 $53,813 $19,044 $34,770 $10,594,205
5 58 $53,813 $18,981 $34,832 $10,559,373
5 59 $53,813 $18,919 $34,894 $10,524,478
5 60 $53,813 $18,856 $34,957 $10,489,522
6 61 $53,813 $18,794 $35,019 $10,454,502
6 62 $53,813 $18,731 $35,082 $10,419,420
6 63 $53,813 $18,668 $35,145 $10,384,275
6 64 $53,813 $18,605 $35,208 $10,349,067
6 65 $53,813 $18,542 $35,271 $10,313,796
6 66 $53,813 $18,479 $35,334 $10,278,462
6 67 $53,813 $18,416 $35,398 $10,243,064
6 68 $53,813 $18,352 $35,461 $10,207,603
6 69 $53,813 $18,289 $35,525 $10,172,079
6 70 $53,813 $18,225 $35,588 $10,136,491
6 71 $53,813 $18,161 $35,652 $10,100,839
6 72 $53,813 $18,097 $35,716 $10,065,123
7 73 $53,813 $18,033 $35,780 $10,029,343
7 74 $53,813 $17,969 $35,844 $9,993,499
7 75 $53,813 $17,905 $35,908 $9,957,591
7 76 $53,813 $17,841 $35,972 $9,921,619
7 77 $53,813 $17,776 $36,037 $9,885,582
7 78 $53,813 $17,712 $36,101 $9,849,481
7 79 $53,813 $17,647 $36,166 $9,813,314
7 80 $53,813 $17,582 $36,231 $9,777,083
7 81 $53,813 $17,517 $36,296 $9,740,788
7 82 $53,813 $17,452 $36,361 $9,704,427
7 83 $53,813 $17,387 $36,426 $9,668,001
7 84 $53,813 $17,322 $36,491 $9,631,509
8 85 $53,813 $17,256 $36,557 $9,594,953
8 86 $53,813 $17,191 $36,622 $9,558,331
8 87 $53,813 $17,125 $36,688 $9,521,643
8 88 $53,813 $17,060 $36,754 $9,484,889
8 89 $53,813 $16,994 $36,819 $9,448,070
8 90 $53,813 $16,928 $36,885 $9,411,185
8 91 $53,813 $16,862 $36,951 $9,374,233
8 92 $53,813 $16,796 $37,018 $9,337,216
8 93 $53,813 $16,729 $37,084 $9,300,132
8 94 $53,813 $16,663 $37,150 $9,262,981
8 95 $53,813 $16,596 $37,217 $9,225,764
8 96 $53,813 $16,529 $37,284 $9,188,481
9 97 $53,813 $16,463 $37,350 $9,151,130
9 98 $53,813 $16,396 $37,417 $9,113,713
9 99 $53,813 $16,329 $37,484 $9,076,228
9 100 $53,813 $16,262 $37,552 $9,038,677
9 101 $53,813 $16,194 $37,619 $9,001,058
9 102 $53,813 $16,127 $37,686 $8,963,372
9 103 $53,813 $16,059 $37,754 $8,925,618
9 104 $53,813 $15,992 $37,821 $8,887,797
9 105 $53,813 $15,924 $37,889 $8,849,908
9 106 $53,813 $15,856 $37,957 $8,811,951
9 107 $53,813 $15,788 $38,025 $8,773,925
9 108 $53,813 $15,720 $38,093 $8,735,832
10 109 $53,813 $15,652 $38,161 $8,697,671
10 110 $53,813 $15,583 $38,230 $8,659,441
10 111 $53,813 $15,515 $38,298 $8,621,143
10 112 $53,813 $15,446 $38,367 $8,582,776
10 113 $53,813 $15,377 $38,436 $8,544,340
10 114 $53,813 $15,309 $38,505 $8,505,836
10 115 $53,813 $15,240 $38,574 $8,467,262
10 116 $53,813 $15,171 $38,643 $8,428,620
10 117 $53,813 $15,101 $38,712 $8,389,908
10 118 $53,813 $15,032 $38,781 $8,351,127
10 119 $53,813 $14,962 $38,851 $8,312,276
10 120 $53,813 $14,893 $38,920 $8,273,356
11 121 $53,813 $14,823 $38,990 $8,234,366
11 122 $53,813 $14,753 $39,060 $8,195,306
11 123 $53,813 $14,683 $39,130 $8,156,176
11 124 $53,813 $14,613 $39,200 $8,116,976
11 125 $53,813 $14,543 $39,270 $8,077,706
11 126 $53,813 $14,473 $39,341 $8,038,365
11 127 $53,813 $14,402 $39,411 $7,998,954
11 128 $53,813 $14,331 $39,482 $7,959,472
11 129 $53,813 $14,261 $39,552 $7,919,920
11 130 $53,813 $14,190 $39,623 $7,880,297
11 131 $53,813 $14,119 $39,694 $7,840,602
11 132 $53,813 $14,048 $39,765 $7,800,837
12 133 $53,813 $13,976 $39,837 $7,761,000
12 134 $53,813 $13,905 $39,908 $7,721,092
12 135 $53,813 $13,834 $39,980 $7,681,113
12 136 $53,813 $13,762 $40,051 $7,641,062
12 137 $53,813 $13,690 $40,123 $7,600,939
12 138 $53,813 $13,618 $40,195 $7,560,744
12 139 $53,813 $13,546 $40,267 $7,520,477
12 140 $53,813 $13,474 $40,339 $7,480,138
12 141 $53,813 $13,402 $40,411 $7,439,727
12 142 $53,813 $13,330 $40,484 $7,399,244
12 143 $53,813 $13,257 $40,556 $7,358,687
12 144 $53,813 $13,184 $40,629 $7,318,059
13 145 $53,813 $13,112 $40,702 $7,277,357
13 146 $53,813 $13,039 $40,775 $7,236,582
13 147 $53,813 $12,966 $40,848 $7,195,735
13 148 $53,813 $12,892 $40,921 $7,154,814
13 149 $53,813 $12,819 $40,994 $7,113,820
13 150 $53,813 $12,746 $41,068 $7,072,752
13 151 $53,813 $12,672 $41,141 $7,031,611
13 152 $53,813 $12,598 $41,215 $6,990,397
13 153 $53,813 $12,524 $41,289 $6,949,108
13 154 $53,813 $12,450 $41,363 $6,907,745
13 155 $53,813 $12,376 $41,437 $6,866,308
13 156 $53,813 $12,302 $41,511 $6,824,798
14 157 $53,813 $12,228 $41,585 $6,783,212
14 158 $53,813 $12,153 $41,660 $6,741,552
14 159 $53,813 $12,079 $41,735 $6,699,818
14 160 $53,813 $12,004 $41,809 $6,658,008
14 161 $53,813 $11,929 $41,884 $6,616,124
14 162 $53,813 $11,854 $41,959 $6,574,165
14 163 $53,813 $11,779 $42,034 $6,532,131
14 164 $53,813 $11,703 $42,110 $6,490,021
14 165 $53,813 $11,628 $42,185 $6,447,836
14 166 $53,813 $11,552 $42,261 $6,405,575
14 167 $53,813 $11,477 $42,336 $6,363,239
14 168 $53,813 $11,401 $42,412 $6,320,826
15 169 $53,813 $11,325 $42,488 $6,278,338
15 170 $53,813 $11,249 $42,564 $6,235,773
15 171 $53,813 $11,172 $42,641 $6,193,133
15 172 $53,813 $11,096 $42,717 $6,150,416
15 173 $53,813 $11,019 $42,794 $6,107,622
15 174 $53,813 $10,943 $42,870 $6,064,752
15 175 $53,813 $10,866 $42,947 $6,021,805
15 176 $53,813 $10,789 $43,024 $5,978,781
15 177 $53,813 $10,712 $43,101 $5,935,679
15 178 $53,813 $10,635 $43,178 $5,892,501
15 179 $53,813 $10,557 $43,256 $5,849,245
15 180 $53,813 $10,480 $43,333 $5,805,912
16 181 $53,813 $10,402 $43,411 $5,762,501
16 182 $53,813 $10,324 $43,489 $5,719,013
16 183 $53,813 $10,247 $43,567 $5,675,446
16 184 $53,813 $10,169 $43,645 $5,631,801
16 185 $53,813 $10,090 $43,723 $5,588,079
16 186 $53,813 $10,012 $43,801 $5,544,277
16 187 $53,813 $9,933 $43,880 $5,500,398
16 188 $53,813 $9,855 $43,958 $5,456,440
16 189 $53,813 $9,776 $44,037 $5,412,403
16 190 $53,813 $9,697 $44,116 $5,368,287
16 191 $53,813 $9,618 $44,195 $5,324,092
16 192 $53,813 $9,539 $44,274 $5,279,818
17 193 $53,813 $9,460 $44,353 $5,235,464
17 194 $53,813 $9,380 $44,433 $5,191,031
17 195 $53,813 $9,301 $44,513 $5,146,519
17 196 $53,813 $9,221 $44,592 $5,101,926
17 197 $53,813 $9,141 $44,672 $5,057,254
17 198 $53,813 $9,061 $44,752 $5,012,502
17 199 $53,813 $8,981 $44,832 $4,967,670
17 200 $53,813 $8,900 $44,913 $4,922,757
17 201 $53,813 $8,820 $44,993 $4,877,764
17 202 $53,813 $8,739 $45,074 $4,832,690
17 203 $53,813 $8,659 $45,155 $4,787,535
17 204 $53,813 $8,578 $45,235 $4,742,300
18 205 $53,813 $8,497 $45,317 $4,696,983
18 206 $53,813 $8,415 $45,398 $4,651,586
18 207 $53,813 $8,334 $45,479 $4,606,107
18 208 $53,813 $8,253 $45,561 $4,560,546
18 209 $53,813 $8,171 $45,642 $4,514,904
18 210 $53,813 $8,089 $45,724 $4,469,180
18 211 $53,813 $8,007 $45,806 $4,423,374
18 212 $53,813 $7,925 $45,888 $4,377,486
18 213 $53,813 $7,843 $45,970 $4,331,516
18 214 $53,813 $7,761 $46,052 $4,285,464
18 215 $53,813 $7,678 $46,135 $4,239,329
18 216 $53,813 $7,595 $46,218 $4,193,111
19 217 $53,813 $7,513 $46,300 $4,146,811
19 218 $53,813 $7,430 $46,383 $4,100,427
19 219 $53,813 $7,347 $46,467 $4,053,961
19 220 $53,813 $7,263 $46,550 $4,007,411
19 221 $53,813 $7,180 $46,633 $3,960,778
19 222 $53,813 $7,096 $46,717 $3,914,061
19 223 $53,813 $7,013 $46,800 $3,867,261
19 224 $53,813 $6,929 $46,884 $3,820,376
19 225 $53,813 $6,845 $46,968 $3,773,408
19 226 $53,813 $6,761 $47,052 $3,726,356
19 227 $53,813 $6,676 $47,137 $3,679,219
19 228 $53,813 $6,592 $47,221 $3,631,998
20 229 $53,813 $6,507 $47,306 $3,584,692
20 230 $53,813 $6,423 $47,391 $3,537,301
20 231 $53,813 $6,338 $47,475 $3,489,826
20 232 $53,813 $6,253 $47,561 $3,442,265
20 233 $53,813 $6,167 $47,646 $3,394,620
20 234 $53,813 $6,082 $47,731 $3,346,888
20 235 $53,813 $5,997 $47,817 $3,299,072
20 236 $53,813 $5,911 $47,902 $3,251,170
20 237 $53,813 $5,825 $47,988 $3,203,181
20 238 $53,813 $5,739 $48,074 $3,155,107
20 239 $53,813 $5,653 $48,160 $3,106,947
20 240 $53,813 $5,567 $48,247 $3,058,701
21 241 $53,813 $5,480 $48,333 $3,010,368
21 242 $53,813 $5,394 $48,420 $2,961,948
21 243 $53,813 $5,307 $48,506 $2,913,442
21 244 $53,813 $5,220 $48,593 $2,864,849
21 245 $53,813 $5,133 $48,680 $2,816,168
21 246 $53,813 $5,046 $48,767 $2,767,401
21 247 $53,813 $4,958 $48,855 $2,718,546
21 248 $53,813 $4,871 $48,942 $2,669,604
21 249 $53,813 $4,783 $49,030 $2,620,574
21 250 $53,813 $4,695 $49,118 $2,571,456
21 251 $53,813 $4,607 $49,206 $2,522,250
21 252 $53,813 $4,519 $49,294 $2,472,956
22 253 $53,813 $4,431 $49,382 $2,423,573
22 254 $53,813 $4,342 $49,471 $2,374,102
22 255 $53,813 $4,254 $49,560 $2,324,543
22 256 $53,813 $4,165 $49,648 $2,274,894
22 257 $53,813 $4,076 $49,737 $2,225,157
22 258 $53,813 $3,987 $49,826 $2,175,331
22 259 $53,813 $3,897 $49,916 $2,125,415
22 260 $53,813 $3,808 $50,005 $2,075,410
22 261 $53,813 $3,718 $50,095 $2,025,315
22 262 $53,813 $3,629 $50,184 $1,975,131
22 263 $53,813 $3,539 $50,274 $1,924,857
22 264 $53,813 $3,449 $50,364 $1,874,492
23 265 $53,813 $3,358 $50,455 $1,824,037
23 266 $53,813 $3,268 $50,545 $1,773,492
23 267 $53,813 $3,178 $50,636 $1,722,857
23 268 $53,813 $3,087 $50,726 $1,672,130
23 269 $53,813 $2,996 $50,817 $1,621,313
23 270 $53,813 $2,905 $50,908 $1,570,405
23 271 $53,813 $2,814 $50,999 $1,519,405
23 272 $53,813 $2,722 $51,091 $1,468,315
23 273 $53,813 $2,631 $51,182 $1,417,132
23 274 $53,813 $2,539 $51,274 $1,365,858
23 275 $53,813 $2,447 $51,366 $1,314,492
23 276 $53,813 $2,355 $51,458 $1,263,034
24 277 $53,813 $2,263 $51,550 $1,211,484
24 278 $53,813 $2,171 $51,643 $1,159,841
24 279 $53,813 $2,078 $51,735 $1,108,106
24 280 $53,813 $1,985 $51,828 $1,056,279
24 281 $53,813 $1,892 $51,921 $1,004,358
24 282 $53,813 $1,799 $52,014 $952,344
24 283 $53,813 $1,706 $52,107 $900,237
24 284 $53,813 $1,613 $52,200 $848,037
24 285 $53,813 $1,519 $52,294 $795,744
24 286 $53,813 $1,426 $52,387 $743,356
24 287 $53,813 $1,332 $52,481 $690,875
24 288 $53,813 $1,238 $52,575 $638,300
25 289 $53,813 $1,144 $52,670 $585,630
25 290 $53,813 $1,049 $52,764 $532,866
25 291 $53,813 $955 $52,858 $480,008
25 292 $53,813 $860 $52,953 $427,055
25 293 $53,813 $765 $53,048 $374,007
25 294 $53,813 $670 $53,143 $320,864
25 295 $53,813 $575 $53,238 $267,625
25 296 $53,813 $479 $53,334 $214,292
25 297 $53,813 $384 $53,429 $160,863
25 298 $53,813 $288 $53,525 $107,338
25 299 $53,813 $192 $53,621 $53,717
25 300 $53,813 $96 $53,717 $0