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$ 11,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 11,890,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$11,600,000
 
Monthly Repayment (HKD)
$75,028
Loan Amount (HKD)
$17,400,000
+
Total Interest (HKD)
$5,108,374
=
Total Repayment (HKD)
$22,508,374
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $75,028 $31,175 $43,853 $17,356,147
1 2 $75,028 $31,096 $43,931 $17,312,216
1 3 $75,028 $31,018 $44,010 $17,268,205
1 4 $75,028 $30,939 $44,089 $17,224,116
1 5 $75,028 $30,860 $44,168 $17,179,948
1 6 $75,028 $30,781 $44,247 $17,135,701
1 7 $75,028 $30,701 $44,326 $17,091,375
1 8 $75,028 $30,622 $44,406 $17,046,969
1 9 $75,028 $30,542 $44,485 $17,002,483
1 10 $75,028 $30,463 $44,565 $16,957,918
1 11 $75,028 $30,383 $44,645 $16,913,273
1 12 $75,028 $30,303 $44,725 $16,868,548
2 13 $75,028 $30,223 $44,805 $16,823,743
2 14 $75,028 $30,143 $44,885 $16,778,858
2 15 $75,028 $30,062 $44,966 $16,733,892
2 16 $75,028 $29,982 $45,046 $16,688,846
2 17 $75,028 $29,901 $45,127 $16,643,719
2 18 $75,028 $29,820 $45,208 $16,598,511
2 19 $75,028 $29,739 $45,289 $16,553,222
2 20 $75,028 $29,658 $45,370 $16,507,852
2 21 $75,028 $29,577 $45,451 $16,462,400
2 22 $75,028 $29,495 $45,533 $16,416,868
2 23 $75,028 $29,414 $45,614 $16,371,253
2 24 $75,028 $29,332 $45,696 $16,325,557
3 25 $75,028 $29,250 $45,778 $16,279,779
3 26 $75,028 $29,168 $45,860 $16,233,919
3 27 $75,028 $29,086 $45,942 $16,187,977
3 28 $75,028 $29,003 $46,024 $16,141,953
3 29 $75,028 $28,921 $46,107 $16,095,846
3 30 $75,028 $28,838 $46,190 $16,049,656
3 31 $75,028 $28,756 $46,272 $16,003,384
3 32 $75,028 $28,673 $46,355 $15,957,029
3 33 $75,028 $28,590 $46,438 $15,910,591
3 34 $75,028 $28,506 $46,521 $15,864,069
3 35 $75,028 $28,423 $46,605 $15,817,464
3 36 $75,028 $28,340 $46,688 $15,770,776
4 37 $75,028 $28,256 $46,772 $15,724,004
4 38 $75,028 $28,172 $46,856 $15,677,148
4 39 $75,028 $28,088 $46,940 $15,630,209
4 40 $75,028 $28,004 $47,024 $15,583,185
4 41 $75,028 $27,920 $47,108 $15,536,077
4 42 $75,028 $27,835 $47,192 $15,488,884
4 43 $75,028 $27,751 $47,277 $15,441,607
4 44 $75,028 $27,666 $47,362 $15,394,246
4 45 $75,028 $27,581 $47,447 $15,346,799
4 46 $75,028 $27,496 $47,532 $15,299,268
4 47 $75,028 $27,411 $47,617 $15,251,651
4 48 $75,028 $27,326 $47,702 $15,203,949
5 49 $75,028 $27,240 $47,788 $15,156,161
5 50 $75,028 $27,155 $47,873 $15,108,288
5 51 $75,028 $27,069 $47,959 $15,060,329
5 52 $75,028 $26,983 $48,045 $15,012,284
5 53 $75,028 $26,897 $48,131 $14,964,154
5 54 $75,028 $26,811 $48,217 $14,915,936
5 55 $75,028 $26,724 $48,304 $14,867,633
5 56 $75,028 $26,638 $48,390 $14,819,243
5 57 $75,028 $26,551 $48,477 $14,770,766
5 58 $75,028 $26,464 $48,564 $14,722,202
5 59 $75,028 $26,377 $48,651 $14,673,552
5 60 $75,028 $26,290 $48,738 $14,624,814
6 61 $75,028 $26,203 $48,825 $14,575,989
6 62 $75,028 $26,115 $48,913 $14,527,076
6 63 $75,028 $26,028 $49,000 $14,478,076
6 64 $75,028 $25,940 $49,088 $14,428,988
6 65 $75,028 $25,852 $49,176 $14,379,812
6 66 $75,028 $25,764 $49,264 $14,330,548
6 67 $75,028 $25,676 $49,352 $14,281,196
6 68 $75,028 $25,587 $49,441 $14,231,755
6 69 $75,028 $25,499 $49,529 $14,182,225
6 70 $75,028 $25,410 $49,618 $14,132,607
6 71 $75,028 $25,321 $49,707 $14,082,900
6 72 $75,028 $25,232 $49,796 $14,033,104
7 73 $75,028 $25,143 $49,885 $13,983,219
7 74 $75,028 $25,053 $49,975 $13,933,244
7 75 $75,028 $24,964 $50,064 $13,883,180
7 76 $75,028 $24,874 $50,154 $13,833,026
7 77 $75,028 $24,784 $50,244 $13,782,783
7 78 $75,028 $24,694 $50,334 $13,732,449
7 79 $75,028 $24,604 $50,424 $13,682,025
7 80 $75,028 $24,514 $50,514 $13,631,511
7 81 $75,028 $24,423 $50,605 $13,580,906
7 82 $75,028 $24,332 $50,695 $13,530,210
7 83 $75,028 $24,242 $50,786 $13,479,424
7 84 $75,028 $24,151 $50,877 $13,428,547
8 85 $75,028 $24,059 $50,968 $13,377,578
8 86 $75,028 $23,968 $51,060 $13,326,519
8 87 $75,028 $23,877 $51,151 $13,275,367
8 88 $75,028 $23,785 $51,243 $13,224,124
8 89 $75,028 $23,693 $51,335 $13,172,790
8 90 $75,028 $23,601 $51,427 $13,121,363
8 91 $75,028 $23,509 $51,519 $13,069,844
8 92 $75,028 $23,417 $51,611 $13,018,233
8 93 $75,028 $23,324 $51,704 $12,966,530
8 94 $75,028 $23,232 $51,796 $12,914,733
8 95 $75,028 $23,139 $51,889 $12,862,844
8 96 $75,028 $23,046 $51,982 $12,810,862
9 97 $75,028 $22,953 $52,075 $12,758,787
9 98 $75,028 $22,859 $52,168 $12,706,619
9 99 $75,028 $22,766 $52,262 $12,654,357
9 100 $75,028 $22,672 $52,356 $12,602,001
9 101 $75,028 $22,579 $52,449 $12,549,552
9 102 $75,028 $22,485 $52,543 $12,497,009
9 103 $75,028 $22,390 $52,637 $12,444,371
9 104 $75,028 $22,296 $52,732 $12,391,640
9 105 $75,028 $22,202 $52,826 $12,338,813
9 106 $75,028 $22,107 $52,921 $12,285,893
9 107 $75,028 $22,012 $53,016 $12,232,877
9 108 $75,028 $21,917 $53,111 $12,179,766
10 109 $75,028 $21,822 $53,206 $12,126,560
10 110 $75,028 $21,727 $53,301 $12,073,259
10 111 $75,028 $21,631 $53,397 $12,019,863
10 112 $75,028 $21,536 $53,492 $11,966,370
10 113 $75,028 $21,440 $53,588 $11,912,782
10 114 $75,028 $21,344 $53,684 $11,859,098
10 115 $75,028 $21,248 $53,780 $11,805,317
10 116 $75,028 $21,151 $53,877 $11,751,441
10 117 $75,028 $21,055 $53,973 $11,697,468
10 118 $75,028 $20,958 $54,070 $11,643,398
10 119 $75,028 $20,861 $54,167 $11,589,231
10 120 $75,028 $20,764 $54,264 $11,534,967
11 121 $75,028 $20,667 $54,361 $11,480,606
11 122 $75,028 $20,569 $54,458 $11,426,147
11 123 $75,028 $20,472 $54,556 $11,371,591
11 124 $75,028 $20,374 $54,654 $11,316,937
11 125 $75,028 $20,276 $54,752 $11,262,186
11 126 $75,028 $20,178 $54,850 $11,207,336
11 127 $75,028 $20,080 $54,948 $11,152,388
11 128 $75,028 $19,981 $55,047 $11,097,341
11 129 $75,028 $19,883 $55,145 $11,042,196
11 130 $75,028 $19,784 $55,244 $10,986,952
11 131 $75,028 $19,685 $55,343 $10,931,609
11 132 $75,028 $19,586 $55,442 $10,876,167
12 133 $75,028 $19,486 $55,541 $10,820,625
12 134 $75,028 $19,387 $55,641 $10,764,985
12 135 $75,028 $19,287 $55,741 $10,709,244
12 136 $75,028 $19,187 $55,841 $10,653,403
12 137 $75,028 $19,087 $55,941 $10,597,463
12 138 $75,028 $18,987 $56,041 $10,541,422
12 139 $75,028 $18,887 $56,141 $10,485,281
12 140 $75,028 $18,786 $56,242 $10,429,039
12 141 $75,028 $18,685 $56,343 $10,372,696
12 142 $75,028 $18,584 $56,443 $10,316,253
12 143 $75,028 $18,483 $56,545 $10,259,708
12 144 $75,028 $18,382 $56,646 $10,203,062
13 145 $75,028 $18,280 $56,747 $10,146,315
13 146 $75,028 $18,179 $56,849 $10,089,466
13 147 $75,028 $18,077 $56,951 $10,032,515
13 148 $75,028 $17,975 $57,053 $9,975,462
13 149 $75,028 $17,873 $57,155 $9,918,307
13 150 $75,028 $17,770 $57,258 $9,861,049
13 151 $75,028 $17,668 $57,360 $9,803,689
13 152 $75,028 $17,565 $57,463 $9,746,226
13 153 $75,028 $17,462 $57,566 $9,688,660
13 154 $75,028 $17,359 $57,669 $9,630,991
13 155 $75,028 $17,256 $57,772 $9,573,219
13 156 $75,028 $17,152 $57,876 $9,515,343
14 157 $75,028 $17,048 $57,980 $9,457,363
14 158 $75,028 $16,944 $58,083 $9,399,280
14 159 $75,028 $16,840 $58,188 $9,341,092
14 160 $75,028 $16,736 $58,292 $9,282,800
14 161 $75,028 $16,632 $58,396 $9,224,404
14 162 $75,028 $16,527 $58,501 $9,165,903
14 163 $75,028 $16,422 $58,606 $9,107,298
14 164 $75,028 $16,317 $58,711 $9,048,587
14 165 $75,028 $16,212 $58,816 $8,989,771
14 166 $75,028 $16,107 $58,921 $8,930,850
14 167 $75,028 $16,001 $59,027 $8,871,823
14 168 $75,028 $15,895 $59,133 $8,812,690
15 169 $75,028 $15,789 $59,239 $8,753,452
15 170 $75,028 $15,683 $59,345 $8,694,107
15 171 $75,028 $15,577 $59,451 $8,634,656
15 172 $75,028 $15,470 $59,557 $8,575,099
15 173 $75,028 $15,364 $59,664 $8,515,435
15 174 $75,028 $15,257 $59,771 $8,455,663
15 175 $75,028 $15,150 $59,878 $8,395,785
15 176 $75,028 $15,042 $59,985 $8,335,800
15 177 $75,028 $14,935 $60,093 $8,275,707
15 178 $75,028 $14,827 $60,201 $8,215,506
15 179 $75,028 $14,719 $60,308 $8,155,198
15 180 $75,028 $14,611 $60,417 $8,094,781
16 181 $75,028 $14,503 $60,525 $8,034,257
16 182 $75,028 $14,395 $60,633 $7,973,623
16 183 $75,028 $14,286 $60,742 $7,912,881
16 184 $75,028 $14,177 $60,851 $7,852,031
16 185 $75,028 $14,068 $60,960 $7,791,071
16 186 $75,028 $13,959 $61,069 $7,730,002
16 187 $75,028 $13,850 $61,178 $7,668,824
16 188 $75,028 $13,740 $61,288 $7,607,536
16 189 $75,028 $13,630 $61,398 $7,546,138
16 190 $75,028 $13,520 $61,508 $7,484,630
16 191 $75,028 $13,410 $61,618 $7,423,013
16 192 $75,028 $13,300 $61,728 $7,361,284
17 193 $75,028 $13,189 $61,839 $7,299,445
17 194 $75,028 $13,078 $61,950 $7,237,495
17 195 $75,028 $12,967 $62,061 $7,175,435
17 196 $75,028 $12,856 $62,172 $7,113,263
17 197 $75,028 $12,745 $62,283 $7,050,979
17 198 $75,028 $12,633 $62,395 $6,988,585
17 199 $75,028 $12,521 $62,507 $6,926,078
17 200 $75,028 $12,409 $62,619 $6,863,459
17 201 $75,028 $12,297 $62,731 $6,800,728
17 202 $75,028 $12,185 $62,843 $6,737,885
17 203 $75,028 $12,072 $62,956 $6,674,929
17 204 $75,028 $11,959 $63,069 $6,611,861
18 205 $75,028 $11,846 $63,182 $6,548,679
18 206 $75,028 $11,733 $63,295 $6,485,384
18 207 $75,028 $11,620 $63,408 $6,421,976
18 208 $75,028 $11,506 $63,522 $6,358,454
18 209 $75,028 $11,392 $63,636 $6,294,818
18 210 $75,028 $11,278 $63,750 $6,231,068
18 211 $75,028 $11,164 $63,864 $6,167,205
18 212 $75,028 $11,050 $63,978 $6,103,226
18 213 $75,028 $10,935 $64,093 $6,039,133
18 214 $75,028 $10,820 $64,208 $5,974,925
18 215 $75,028 $10,705 $64,323 $5,910,603
18 216 $75,028 $10,590 $64,438 $5,846,165
19 217 $75,028 $10,474 $64,554 $5,781,611
19 218 $75,028 $10,359 $64,669 $5,716,942
19 219 $75,028 $10,243 $64,785 $5,652,157
19 220 $75,028 $10,127 $64,901 $5,587,256
19 221 $75,028 $10,010 $65,017 $5,522,238
19 222 $75,028 $9,894 $65,134 $5,457,104
19 223 $75,028 $9,777 $65,251 $5,391,854
19 224 $75,028 $9,660 $65,368 $5,326,486
19 225 $75,028 $9,543 $65,485 $5,261,002
19 226 $75,028 $9,426 $65,602 $5,195,400
19 227 $75,028 $9,308 $65,719 $5,129,680
19 228 $75,028 $9,191 $65,837 $5,063,843
20 229 $75,028 $9,073 $65,955 $4,997,888
20 230 $75,028 $8,955 $66,073 $4,931,814
20 231 $75,028 $8,836 $66,192 $4,865,623
20 232 $75,028 $8,718 $66,310 $4,799,312
20 233 $75,028 $8,599 $66,429 $4,732,883
20 234 $75,028 $8,480 $66,548 $4,666,335
20 235 $75,028 $8,361 $66,667 $4,599,667
20 236 $75,028 $8,241 $66,787 $4,532,881
20 237 $75,028 $8,121 $66,907 $4,465,974
20 238 $75,028 $8,002 $67,026 $4,398,948
20 239 $75,028 $7,881 $67,146 $4,331,801
20 240 $75,028 $7,761 $67,267 $4,264,535
21 241 $75,028 $7,641 $67,387 $4,197,147
21 242 $75,028 $7,520 $67,508 $4,129,639
21 243 $75,028 $7,399 $67,629 $4,062,010
21 244 $75,028 $7,278 $67,750 $3,994,260
21 245 $75,028 $7,156 $67,872 $3,926,389
21 246 $75,028 $7,035 $67,993 $3,858,395
21 247 $75,028 $6,913 $68,115 $3,790,280
21 248 $75,028 $6,791 $68,237 $3,722,043
21 249 $75,028 $6,669 $68,359 $3,653,684
21 250 $75,028 $6,546 $68,482 $3,585,203
21 251 $75,028 $6,423 $68,604 $3,516,598
21 252 $75,028 $6,301 $68,727 $3,447,871
22 253 $75,028 $6,177 $68,850 $3,379,020
22 254 $75,028 $6,054 $68,974 $3,310,046
22 255 $75,028 $5,930 $69,097 $3,240,949
22 256 $75,028 $5,807 $69,221 $3,171,728
22 257 $75,028 $5,683 $69,345 $3,102,383
22 258 $75,028 $5,558 $69,469 $3,032,913
22 259 $75,028 $5,434 $69,594 $2,963,319
22 260 $75,028 $5,309 $69,719 $2,893,601
22 261 $75,028 $5,184 $69,844 $2,823,757
22 262 $75,028 $5,059 $69,969 $2,753,788
22 263 $75,028 $4,934 $70,094 $2,683,694
22 264 $75,028 $4,808 $70,220 $2,613,475
23 265 $75,028 $4,682 $70,345 $2,543,129
23 266 $75,028 $4,556 $70,471 $2,472,658
23 267 $75,028 $4,430 $70,598 $2,402,060
23 268 $75,028 $4,304 $70,724 $2,331,336
23 269 $75,028 $4,177 $70,851 $2,260,485
23 270 $75,028 $4,050 $70,978 $2,189,507
23 271 $75,028 $3,923 $71,105 $2,118,402
23 272 $75,028 $3,795 $71,232 $2,047,169
23 273 $75,028 $3,668 $71,360 $1,975,809
23 274 $75,028 $3,540 $71,488 $1,904,321
23 275 $75,028 $3,412 $71,616 $1,832,705
23 276 $75,028 $3,284 $71,744 $1,760,961
24 277 $75,028 $3,155 $71,873 $1,689,088
24 278 $75,028 $3,026 $72,002 $1,617,087
24 279 $75,028 $2,897 $72,131 $1,544,956
24 280 $75,028 $2,768 $72,260 $1,472,696
24 281 $75,028 $2,639 $72,389 $1,400,307
24 282 $75,028 $2,509 $72,519 $1,327,788
24 283 $75,028 $2,379 $72,649 $1,255,139
24 284 $75,028 $2,249 $72,779 $1,182,360
24 285 $75,028 $2,118 $72,910 $1,109,450
24 286 $75,028 $1,988 $73,040 $1,036,410
24 287 $75,028 $1,857 $73,171 $963,239
24 288 $75,028 $1,726 $73,302 $889,937
25 289 $75,028 $1,594 $73,433 $816,503
25 290 $75,028 $1,463 $73,565 $742,938
25 291 $75,028 $1,331 $73,697 $669,242
25 292 $75,028 $1,199 $73,829 $595,413
25 293 $75,028 $1,067 $73,961 $521,452
25 294 $75,028 $934 $74,094 $447,358
25 295 $75,028 $802 $74,226 $373,132
25 296 $75,028 $669 $74,359 $298,772
25 297 $75,028 $535 $74,493 $224,280
25 298 $75,028 $402 $74,626 $149,654
25 299 $75,028 $268 $74,760 $74,894
25 300 $75,028 $134 $74,894 $0