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$ 30,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 31,160,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$30,400,000
 
Monthly Repayment (HKD)
$196,625
Loan Amount (HKD)
$45,600,000
+
Total Interest (HKD)
$13,387,463
=
Total Repayment (HKD)
$58,987,463
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $196,625 $81,700 $114,925 $45,485,075
1 2 $196,625 $81,494 $115,131 $45,369,944
1 3 $196,625 $81,288 $115,337 $45,254,607
1 4 $196,625 $81,081 $115,544 $45,139,064
1 5 $196,625 $80,874 $115,751 $45,023,313
1 6 $196,625 $80,667 $115,958 $44,907,355
1 7 $196,625 $80,459 $116,166 $44,791,189
1 8 $196,625 $80,251 $116,374 $44,674,815
1 9 $196,625 $80,042 $116,583 $44,558,232
1 10 $196,625 $79,833 $116,791 $44,441,441
1 11 $196,625 $79,624 $117,001 $44,324,440
1 12 $196,625 $79,415 $117,210 $44,207,230
2 13 $196,625 $79,205 $117,420 $44,089,810
2 14 $196,625 $78,994 $117,631 $43,972,179
2 15 $196,625 $78,783 $117,841 $43,854,338
2 16 $196,625 $78,572 $118,053 $43,736,285
2 17 $196,625 $78,361 $118,264 $43,618,021
2 18 $196,625 $78,149 $118,476 $43,499,545
2 19 $196,625 $77,937 $118,688 $43,380,857
2 20 $196,625 $77,724 $118,901 $43,261,956
2 21 $196,625 $77,511 $119,114 $43,142,842
2 22 $196,625 $77,298 $119,327 $43,023,515
2 23 $196,625 $77,084 $119,541 $42,903,974
2 24 $196,625 $76,870 $119,755 $42,784,219
3 25 $196,625 $76,655 $119,970 $42,664,249
3 26 $196,625 $76,440 $120,185 $42,544,064
3 27 $196,625 $76,225 $120,400 $42,423,664
3 28 $196,625 $76,009 $120,616 $42,303,048
3 29 $196,625 $75,793 $120,832 $42,182,216
3 30 $196,625 $75,576 $121,048 $42,061,168
3 31 $196,625 $75,360 $121,265 $41,939,903
3 32 $196,625 $75,142 $121,483 $41,818,420
3 33 $196,625 $74,925 $121,700 $41,696,720
3 34 $196,625 $74,707 $121,918 $41,574,802
3 35 $196,625 $74,488 $122,137 $41,452,665
3 36 $196,625 $74,269 $122,356 $41,330,310
4 37 $196,625 $74,050 $122,575 $41,207,735
4 38 $196,625 $73,831 $122,794 $41,084,940
4 39 $196,625 $73,611 $123,014 $40,961,926
4 40 $196,625 $73,390 $123,235 $40,838,691
4 41 $196,625 $73,169 $123,456 $40,715,236
4 42 $196,625 $72,948 $123,677 $40,591,559
4 43 $196,625 $72,727 $123,898 $40,467,661
4 44 $196,625 $72,505 $124,120 $40,343,540
4 45 $196,625 $72,282 $124,343 $40,219,198
4 46 $196,625 $72,059 $124,565 $40,094,632
4 47 $196,625 $71,836 $124,789 $39,969,844
4 48 $196,625 $71,613 $125,012 $39,844,831
5 49 $196,625 $71,389 $125,236 $39,719,595
5 50 $196,625 $71,164 $125,461 $39,594,134
5 51 $196,625 $70,939 $125,685 $39,468,449
5 52 $196,625 $70,714 $125,911 $39,342,538
5 53 $196,625 $70,489 $126,136 $39,216,402
5 54 $196,625 $70,263 $126,362 $39,090,040
5 55 $196,625 $70,036 $126,589 $38,963,452
5 56 $196,625 $69,810 $126,815 $38,836,636
5 57 $196,625 $69,582 $127,043 $38,709,594
5 58 $196,625 $69,355 $127,270 $38,582,323
5 59 $196,625 $69,127 $127,498 $38,454,825
5 60 $196,625 $68,898 $127,727 $38,327,099
6 61 $196,625 $68,669 $127,955 $38,199,143
6 62 $196,625 $68,440 $128,185 $38,070,958
6 63 $196,625 $68,210 $128,414 $37,942,544
6 64 $196,625 $67,980 $128,644 $37,813,899
6 65 $196,625 $67,750 $128,875 $37,685,025
6 66 $196,625 $67,519 $129,106 $37,555,919
6 67 $196,625 $67,288 $129,337 $37,426,581
6 68 $196,625 $67,056 $129,569 $37,297,013
6 69 $196,625 $66,824 $129,801 $37,167,211
6 70 $196,625 $66,591 $130,034 $37,037,178
6 71 $196,625 $66,358 $130,267 $36,906,911
6 72 $196,625 $66,125 $130,500 $36,776,411
7 73 $196,625 $65,891 $130,734 $36,645,677
7 74 $196,625 $65,657 $130,968 $36,514,709
7 75 $196,625 $65,422 $131,203 $36,383,507
7 76 $196,625 $65,187 $131,438 $36,252,069
7 77 $196,625 $64,952 $131,673 $36,120,396
7 78 $196,625 $64,716 $131,909 $35,988,487
7 79 $196,625 $64,479 $132,146 $35,856,341
7 80 $196,625 $64,243 $132,382 $35,723,959
7 81 $196,625 $64,005 $132,619 $35,591,339
7 82 $196,625 $63,768 $132,857 $35,458,482
7 83 $196,625 $63,530 $133,095 $35,325,387
7 84 $196,625 $63,291 $133,334 $35,192,054
8 85 $196,625 $63,052 $133,572 $35,058,481
8 86 $196,625 $62,813 $133,812 $34,924,669
8 87 $196,625 $62,573 $134,052 $34,790,618
8 88 $196,625 $62,333 $134,292 $34,656,326
8 89 $196,625 $62,093 $134,532 $34,521,794
8 90 $196,625 $61,852 $134,773 $34,387,021
8 91 $196,625 $61,610 $135,015 $34,252,006
8 92 $196,625 $61,368 $135,257 $34,116,749
8 93 $196,625 $61,126 $135,499 $33,981,250
8 94 $196,625 $60,883 $135,742 $33,845,508
8 95 $196,625 $60,640 $135,985 $33,709,523
8 96 $196,625 $60,396 $136,229 $33,573,295
9 97 $196,625 $60,152 $136,473 $33,436,822
9 98 $196,625 $59,908 $136,717 $33,300,105
9 99 $196,625 $59,663 $136,962 $33,163,142
9 100 $196,625 $59,417 $137,208 $33,025,935
9 101 $196,625 $59,171 $137,453 $32,888,481
9 102 $196,625 $58,925 $137,700 $32,750,782
9 103 $196,625 $58,678 $137,946 $32,612,835
9 104 $196,625 $58,431 $138,194 $32,474,642
9 105 $196,625 $58,184 $138,441 $32,336,201
9 106 $196,625 $57,936 $138,689 $32,197,511
9 107 $196,625 $57,687 $138,938 $32,058,574
9 108 $196,625 $57,438 $139,187 $31,919,387
10 109 $196,625 $57,189 $139,436 $31,779,951
10 110 $196,625 $56,939 $139,686 $31,640,265
10 111 $196,625 $56,689 $139,936 $31,500,329
10 112 $196,625 $56,438 $140,187 $31,360,143
10 113 $196,625 $56,187 $140,438 $31,219,705
10 114 $196,625 $55,935 $140,690 $31,079,015
10 115 $196,625 $55,683 $140,942 $30,938,073
10 116 $196,625 $55,431 $141,194 $30,796,879
10 117 $196,625 $55,178 $141,447 $30,655,432
10 118 $196,625 $54,924 $141,701 $30,513,732
10 119 $196,625 $54,670 $141,954 $30,371,777
10 120 $196,625 $54,416 $142,209 $30,229,568
11 121 $196,625 $54,161 $142,464 $30,087,105
11 122 $196,625 $53,906 $142,719 $29,944,386
11 123 $196,625 $53,650 $142,975 $29,801,411
11 124 $196,625 $53,394 $143,231 $29,658,181
11 125 $196,625 $53,138 $143,487 $29,514,693
11 126 $196,625 $52,880 $143,744 $29,370,949
11 127 $196,625 $52,623 $144,002 $29,226,947
11 128 $196,625 $52,365 $144,260 $29,082,687
11 129 $196,625 $52,106 $144,518 $28,938,169
11 130 $196,625 $51,848 $144,777 $28,793,391
11 131 $196,625 $51,588 $145,037 $28,648,355
11 132 $196,625 $51,328 $145,297 $28,503,058
12 133 $196,625 $51,068 $145,557 $28,357,501
12 134 $196,625 $50,807 $145,818 $28,211,684
12 135 $196,625 $50,546 $146,079 $28,065,605
12 136 $196,625 $50,284 $146,341 $27,919,264
12 137 $196,625 $50,022 $146,603 $27,772,661
12 138 $196,625 $49,759 $146,866 $27,625,796
12 139 $196,625 $49,496 $147,129 $27,478,667
12 140 $196,625 $49,233 $147,392 $27,331,275
12 141 $196,625 $48,969 $147,656 $27,183,618
12 142 $196,625 $48,704 $147,921 $27,035,697
12 143 $196,625 $48,439 $148,186 $26,887,512
12 144 $196,625 $48,173 $148,451 $26,739,060
13 145 $196,625 $47,907 $148,717 $26,590,343
13 146 $196,625 $47,641 $148,984 $26,441,359
13 147 $196,625 $47,374 $149,251 $26,292,108
13 148 $196,625 $47,107 $149,518 $26,142,590
13 149 $196,625 $46,839 $149,786 $25,992,804
13 150 $196,625 $46,570 $150,054 $25,842,749
13 151 $196,625 $46,302 $150,323 $25,692,426
13 152 $196,625 $46,032 $150,593 $25,541,834
13 153 $196,625 $45,762 $150,862 $25,390,971
13 154 $196,625 $45,492 $151,133 $25,239,838
13 155 $196,625 $45,221 $151,404 $25,088,435
13 156 $196,625 $44,950 $151,675 $24,936,760
14 157 $196,625 $44,678 $151,947 $24,784,814
14 158 $196,625 $44,406 $152,219 $24,632,595
14 159 $196,625 $44,133 $152,491 $24,480,103
14 160 $196,625 $43,860 $152,765 $24,327,339
14 161 $196,625 $43,586 $153,038 $24,174,300
14 162 $196,625 $43,312 $153,313 $24,020,988
14 163 $196,625 $43,038 $153,587 $23,867,400
14 164 $196,625 $42,762 $153,862 $23,713,538
14 165 $196,625 $42,487 $154,138 $23,559,400
14 166 $196,625 $42,211 $154,414 $23,404,986
14 167 $196,625 $41,934 $154,691 $23,250,295
14 168 $196,625 $41,657 $154,968 $23,095,327
15 169 $196,625 $41,379 $155,246 $22,940,081
15 170 $196,625 $41,101 $155,524 $22,784,557
15 171 $196,625 $40,822 $155,803 $22,628,754
15 172 $196,625 $40,543 $156,082 $22,472,673
15 173 $196,625 $40,264 $156,361 $22,316,311
15 174 $196,625 $39,983 $156,641 $22,159,670
15 175 $196,625 $39,703 $156,922 $22,002,748
15 176 $196,625 $39,422 $157,203 $21,845,544
15 177 $196,625 $39,140 $157,485 $21,688,059
15 178 $196,625 $38,858 $157,767 $21,530,292
15 179 $196,625 $38,575 $158,050 $21,372,243
15 180 $196,625 $38,292 $158,333 $21,213,910
16 181 $196,625 $38,008 $158,617 $21,055,293
16 182 $196,625 $37,724 $158,901 $20,896,392
16 183 $196,625 $37,439 $159,186 $20,737,207
16 184 $196,625 $37,154 $159,471 $20,577,736
16 185 $196,625 $36,868 $159,756 $20,417,980
16 186 $196,625 $36,582 $160,043 $20,257,937
16 187 $196,625 $36,295 $160,329 $20,097,607
16 188 $196,625 $36,008 $160,617 $19,936,991
16 189 $196,625 $35,720 $160,904 $19,776,086
16 190 $196,625 $35,432 $161,193 $19,614,894
16 191 $196,625 $35,143 $161,482 $19,453,412
16 192 $196,625 $34,854 $161,771 $19,291,641
17 193 $196,625 $34,564 $162,061 $19,129,581
17 194 $196,625 $34,274 $162,351 $18,967,230
17 195 $196,625 $33,983 $162,642 $18,804,588
17 196 $196,625 $33,692 $162,933 $18,641,654
17 197 $196,625 $33,400 $163,225 $18,478,429
17 198 $196,625 $33,107 $163,518 $18,314,911
17 199 $196,625 $32,814 $163,811 $18,151,101
17 200 $196,625 $32,521 $164,104 $17,986,997
17 201 $196,625 $32,227 $164,398 $17,822,598
17 202 $196,625 $31,932 $164,693 $17,657,906
17 203 $196,625 $31,637 $164,988 $17,492,918
17 204 $196,625 $31,341 $165,283 $17,327,634
18 205 $196,625 $31,045 $165,580 $17,162,055
18 206 $196,625 $30,749 $165,876 $16,996,179
18 207 $196,625 $30,451 $166,173 $16,830,005
18 208 $196,625 $30,154 $166,471 $16,663,534
18 209 $196,625 $29,855 $166,769 $16,496,765
18 210 $196,625 $29,557 $167,068 $16,329,697
18 211 $196,625 $29,257 $167,368 $16,162,329
18 212 $196,625 $28,958 $167,667 $15,994,662
18 213 $196,625 $28,657 $167,968 $15,826,694
18 214 $196,625 $28,356 $168,269 $15,658,425
18 215 $196,625 $28,055 $168,570 $15,489,855
18 216 $196,625 $27,753 $168,872 $15,320,983
19 217 $196,625 $27,450 $169,175 $15,151,808
19 218 $196,625 $27,147 $169,478 $14,982,330
19 219 $196,625 $26,843 $169,782 $14,812,549
19 220 $196,625 $26,539 $170,086 $14,642,463
19 221 $196,625 $26,234 $170,390 $14,472,072
19 222 $196,625 $25,929 $170,696 $14,301,377
19 223 $196,625 $25,623 $171,002 $14,130,375
19 224 $196,625 $25,317 $171,308 $13,959,067
19 225 $196,625 $25,010 $171,615 $13,787,452
19 226 $196,625 $24,703 $171,922 $13,615,530
19 227 $196,625 $24,394 $172,230 $13,443,300
19 228 $196,625 $24,086 $172,539 $13,270,761
20 229 $196,625 $23,777 $172,848 $13,097,912
20 230 $196,625 $23,467 $173,158 $12,924,755
20 231 $196,625 $23,157 $173,468 $12,751,287
20 232 $196,625 $22,846 $173,779 $12,577,508
20 233 $196,625 $22,535 $174,090 $12,403,418
20 234 $196,625 $22,223 $174,402 $12,229,016
20 235 $196,625 $21,910 $174,715 $12,054,301
20 236 $196,625 $21,597 $175,028 $11,879,273
20 237 $196,625 $21,284 $175,341 $11,703,932
20 238 $196,625 $20,970 $175,655 $11,528,277
20 239 $196,625 $20,655 $175,970 $11,352,307
20 240 $196,625 $20,340 $176,285 $11,176,022
21 241 $196,625 $20,024 $176,601 $10,999,420
21 242 $196,625 $19,707 $176,918 $10,822,503
21 243 $196,625 $19,390 $177,235 $10,645,268
21 244 $196,625 $19,073 $177,552 $10,467,716
21 245 $196,625 $18,755 $177,870 $10,289,846
21 246 $196,625 $18,436 $178,189 $10,111,657
21 247 $196,625 $18,117 $178,508 $9,933,149
21 248 $196,625 $17,797 $178,828 $9,754,321
21 249 $196,625 $17,476 $179,148 $9,575,172
21 250 $196,625 $17,156 $179,469 $9,395,703
21 251 $196,625 $16,834 $179,791 $9,215,912
21 252 $196,625 $16,512 $180,113 $9,035,799
22 253 $196,625 $16,189 $180,436 $8,855,363
22 254 $196,625 $15,866 $180,759 $8,674,604
22 255 $196,625 $15,542 $181,083 $8,493,522
22 256 $196,625 $15,218 $181,407 $8,312,114
22 257 $196,625 $14,893 $181,732 $8,130,382
22 258 $196,625 $14,567 $182,058 $7,948,324
22 259 $196,625 $14,241 $182,384 $7,765,940
22 260 $196,625 $13,914 $182,711 $7,583,229
22 261 $196,625 $13,587 $183,038 $7,400,191
22 262 $196,625 $13,259 $183,366 $7,216,824
22 263 $196,625 $12,930 $183,695 $7,033,130
22 264 $196,625 $12,601 $184,024 $6,849,106
23 265 $196,625 $12,271 $184,354 $6,664,752
23 266 $196,625 $11,941 $184,684 $6,480,068
23 267 $196,625 $11,610 $185,015 $6,295,054
23 268 $196,625 $11,279 $185,346 $6,109,707
23 269 $196,625 $10,947 $185,678 $5,924,029
23 270 $196,625 $10,614 $186,011 $5,738,018
23 271 $196,625 $10,281 $186,344 $5,551,674
23 272 $196,625 $9,947 $186,678 $5,364,996
23 273 $196,625 $9,612 $187,013 $5,177,983
23 274 $196,625 $9,277 $187,348 $4,990,636
23 275 $196,625 $8,942 $187,683 $4,802,952
23 276 $196,625 $8,605 $188,020 $4,614,933
24 277 $196,625 $8,268 $188,356 $4,426,576
24 278 $196,625 $7,931 $188,694 $4,237,882
24 279 $196,625 $7,593 $189,032 $4,048,850
24 280 $196,625 $7,254 $189,371 $3,859,480
24 281 $196,625 $6,915 $189,710 $3,669,770
24 282 $196,625 $6,575 $190,050 $3,479,720
24 283 $196,625 $6,234 $190,390 $3,289,329
24 284 $196,625 $5,893 $190,731 $3,098,598
24 285 $196,625 $5,552 $191,073 $2,907,525
24 286 $196,625 $5,209 $191,416 $2,716,109
24 287 $196,625 $4,866 $191,759 $2,524,350
24 288 $196,625 $4,523 $192,102 $2,332,248
25 289 $196,625 $4,179 $192,446 $2,139,802
25 290 $196,625 $3,834 $192,791 $1,947,011
25 291 $196,625 $3,488 $193,136 $1,753,875
25 292 $196,625 $3,142 $193,483 $1,560,392
25 293 $196,625 $2,796 $193,829 $1,366,563
25 294 $196,625 $2,448 $194,176 $1,172,386
25 295 $196,625 $2,101 $194,524 $977,862
25 296 $196,625 $1,752 $194,873 $782,989
25 297 $196,625 $1,403 $195,222 $587,767
25 298 $196,625 $1,053 $195,572 $392,195
25 299 $196,625 $703 $195,922 $196,273
25 300 $196,625 $352 $196,273 $0