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$ 18,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 19,188,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$18,720,000
 
Monthly Repayment (HKD)
$121,080
Loan Amount (HKD)
$28,080,000
+
Total Interest (HKD)
$8,243,859
=
Total Repayment (HKD)
$36,323,859
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $121,080 $50,310 $70,770 $28,009,230
1 2 $121,080 $50,183 $70,896 $27,938,334
1 3 $121,080 $50,056 $71,023 $27,867,311
1 4 $121,080 $49,929 $71,151 $27,796,160
1 5 $121,080 $49,801 $71,278 $27,724,882
1 6 $121,080 $49,674 $71,406 $27,653,476
1 7 $121,080 $49,546 $71,534 $27,581,943
1 8 $121,080 $49,418 $71,662 $27,510,281
1 9 $121,080 $49,289 $71,790 $27,438,490
1 10 $121,080 $49,161 $71,919 $27,366,572
1 11 $121,080 $49,032 $72,048 $27,294,524
1 12 $121,080 $48,903 $72,177 $27,222,347
2 13 $121,080 $48,773 $72,306 $27,150,041
2 14 $121,080 $48,644 $72,436 $27,077,605
2 15 $121,080 $48,514 $72,565 $27,005,040
2 16 $121,080 $48,384 $72,696 $26,932,344
2 17 $121,080 $48,254 $72,826 $26,859,518
2 18 $121,080 $48,123 $72,956 $26,786,562
2 19 $121,080 $47,993 $73,087 $26,713,475
2 20 $121,080 $47,862 $73,218 $26,640,257
2 21 $121,080 $47,730 $73,349 $26,566,908
2 22 $121,080 $47,599 $73,480 $26,493,428
2 23 $121,080 $47,467 $73,612 $26,419,816
2 24 $121,080 $47,336 $73,744 $26,346,072
3 25 $121,080 $47,203 $73,876 $26,272,195
3 26 $121,080 $47,071 $74,009 $26,198,187
3 27 $121,080 $46,938 $74,141 $26,124,046
3 28 $121,080 $46,806 $74,274 $26,049,772
3 29 $121,080 $46,673 $74,407 $25,975,365
3 30 $121,080 $46,539 $74,540 $25,900,825
3 31 $121,080 $46,406 $74,674 $25,826,151
3 32 $121,080 $46,272 $74,808 $25,751,343
3 33 $121,080 $46,138 $74,942 $25,676,401
3 34 $121,080 $46,004 $75,076 $25,601,325
3 35 $121,080 $45,869 $75,210 $25,526,115
3 36 $121,080 $45,734 $75,345 $25,450,770
4 37 $121,080 $45,599 $75,480 $25,375,289
4 38 $121,080 $45,464 $75,615 $25,299,674
4 39 $121,080 $45,329 $75,751 $25,223,923
4 40 $121,080 $45,193 $75,887 $25,148,036
4 41 $121,080 $45,057 $76,023 $25,072,014
4 42 $121,080 $44,921 $76,159 $24,995,855
4 43 $121,080 $44,784 $76,295 $24,919,559
4 44 $121,080 $44,648 $76,432 $24,843,127
4 45 $121,080 $44,511 $76,569 $24,766,559
4 46 $121,080 $44,373 $76,706 $24,689,852
4 47 $121,080 $44,236 $76,844 $24,613,009
4 48 $121,080 $44,098 $76,981 $24,536,028
5 49 $121,080 $43,960 $77,119 $24,458,909
5 50 $121,080 $43,822 $77,257 $24,381,651
5 51 $121,080 $43,684 $77,396 $24,304,255
5 52 $121,080 $43,545 $77,534 $24,226,721
5 53 $121,080 $43,406 $77,673 $24,149,048
5 54 $121,080 $43,267 $77,812 $24,071,235
5 55 $121,080 $43,128 $77,952 $23,993,283
5 56 $121,080 $42,988 $78,092 $23,915,192
5 57 $121,080 $42,848 $78,231 $23,836,960
5 58 $121,080 $42,708 $78,372 $23,758,589
5 59 $121,080 $42,567 $78,512 $23,680,077
5 60 $121,080 $42,427 $78,653 $23,601,424
6 61 $121,080 $42,286 $78,794 $23,522,630
6 62 $121,080 $42,145 $78,935 $23,443,695
6 63 $121,080 $42,003 $79,076 $23,364,619
6 64 $121,080 $41,862 $79,218 $23,285,401
6 65 $121,080 $41,720 $79,360 $23,206,041
6 66 $121,080 $41,577 $79,502 $23,126,539
6 67 $121,080 $41,435 $79,644 $23,046,895
6 68 $121,080 $41,292 $79,787 $22,967,108
6 69 $121,080 $41,149 $79,930 $22,887,178
6 70 $121,080 $41,006 $80,073 $22,807,104
6 71 $121,080 $40,863 $80,217 $22,726,887
6 72 $121,080 $40,719 $80,361 $22,646,527
7 73 $121,080 $40,575 $80,505 $22,566,022
7 74 $121,080 $40,431 $80,649 $22,485,374
7 75 $121,080 $40,286 $80,793 $22,404,580
7 76 $121,080 $40,142 $80,938 $22,323,642
7 77 $121,080 $39,997 $81,083 $22,242,559
7 78 $121,080 $39,851 $81,228 $22,161,331
7 79 $121,080 $39,706 $81,374 $22,079,957
7 80 $121,080 $39,560 $81,520 $21,998,438
7 81 $121,080 $39,414 $81,666 $21,916,772
7 82 $121,080 $39,268 $81,812 $21,834,960
7 83 $121,080 $39,121 $81,959 $21,753,002
7 84 $121,080 $38,974 $82,105 $21,670,896
8 85 $121,080 $38,827 $82,253 $21,588,644
8 86 $121,080 $38,680 $82,400 $21,506,244
8 87 $121,080 $38,532 $82,548 $21,423,696
8 88 $121,080 $38,384 $82,695 $21,341,001
8 89 $121,080 $38,236 $82,844 $21,258,157
8 90 $121,080 $38,088 $82,992 $21,175,165
8 91 $121,080 $37,939 $83,141 $21,092,025
8 92 $121,080 $37,790 $83,290 $21,008,735
8 93 $121,080 $37,641 $83,439 $20,925,296
8 94 $121,080 $37,491 $83,588 $20,841,708
8 95 $121,080 $37,341 $83,738 $20,757,970
8 96 $121,080 $37,191 $83,888 $20,674,081
9 97 $121,080 $37,041 $84,038 $20,590,043
9 98 $121,080 $36,890 $84,189 $20,505,854
9 99 $121,080 $36,740 $84,340 $20,421,514
9 100 $121,080 $36,589 $84,491 $20,337,023
9 101 $121,080 $36,437 $84,642 $20,252,381
9 102 $121,080 $36,286 $84,794 $20,167,587
9 103 $121,080 $36,134 $84,946 $20,082,641
9 104 $121,080 $35,981 $85,098 $19,997,543
9 105 $121,080 $35,829 $85,251 $19,912,292
9 106 $121,080 $35,676 $85,403 $19,826,889
9 107 $121,080 $35,523 $85,556 $19,741,332
9 108 $121,080 $35,370 $85,710 $19,655,623
10 109 $121,080 $35,216 $85,863 $19,569,759
10 110 $121,080 $35,062 $86,017 $19,483,742
10 111 $121,080 $34,908 $86,171 $19,397,571
10 112 $121,080 $34,754 $86,326 $19,311,246
10 113 $121,080 $34,599 $86,480 $19,224,765
10 114 $121,080 $34,444 $86,635 $19,138,130
10 115 $121,080 $34,289 $86,790 $19,051,340
10 116 $121,080 $34,134 $86,946 $18,964,394
10 117 $121,080 $33,978 $87,102 $18,877,292
10 118 $121,080 $33,822 $87,258 $18,790,035
10 119 $121,080 $33,665 $87,414 $18,702,621
10 120 $121,080 $33,509 $87,571 $18,615,050
11 121 $121,080 $33,352 $87,728 $18,527,322
11 122 $121,080 $33,195 $87,885 $18,439,438
11 123 $121,080 $33,037 $88,042 $18,351,395
11 124 $121,080 $32,880 $88,200 $18,263,196
11 125 $121,080 $32,722 $88,358 $18,174,838
11 126 $121,080 $32,563 $88,516 $18,086,321
11 127 $121,080 $32,405 $88,675 $17,997,646
11 128 $121,080 $32,246 $88,834 $17,908,813
11 129 $121,080 $32,087 $88,993 $17,819,820
11 130 $121,080 $31,927 $89,152 $17,730,667
11 131 $121,080 $31,767 $89,312 $17,641,355
11 132 $121,080 $31,607 $89,472 $17,551,883
12 133 $121,080 $31,447 $89,632 $17,462,251
12 134 $121,080 $31,287 $89,793 $17,372,458
12 135 $121,080 $31,126 $89,954 $17,282,504
12 136 $121,080 $30,964 $90,115 $17,192,389
12 137 $121,080 $30,803 $90,276 $17,102,112
12 138 $121,080 $30,641 $90,438 $17,011,674
12 139 $121,080 $30,479 $90,600 $16,921,074
12 140 $121,080 $30,317 $90,763 $16,830,311
12 141 $121,080 $30,154 $90,925 $16,739,386
12 142 $121,080 $29,991 $91,088 $16,648,298
12 143 $121,080 $29,828 $91,251 $16,557,047
12 144 $121,080 $29,665 $91,415 $16,465,632
13 145 $121,080 $29,501 $91,579 $16,374,053
13 146 $121,080 $29,337 $91,743 $16,282,310
13 147 $121,080 $29,172 $91,907 $16,190,403
13 148 $121,080 $29,008 $92,072 $16,098,332
13 149 $121,080 $28,843 $92,237 $16,006,095
13 150 $121,080 $28,678 $92,402 $15,913,693
13 151 $121,080 $28,512 $92,567 $15,821,126
13 152 $121,080 $28,346 $92,733 $15,728,392
13 153 $121,080 $28,180 $92,899 $15,635,493
13 154 $121,080 $28,014 $93,066 $15,542,427
13 155 $121,080 $27,847 $93,233 $15,449,194
13 156 $121,080 $27,680 $93,400 $15,355,794
14 157 $121,080 $27,512 $93,567 $15,262,227
14 158 $121,080 $27,345 $93,735 $15,168,493
14 159 $121,080 $27,177 $93,903 $15,074,590
14 160 $121,080 $27,009 $94,071 $14,980,519
14 161 $121,080 $26,840 $94,239 $14,886,280
14 162 $121,080 $26,671 $94,408 $14,791,871
14 163 $121,080 $26,502 $94,577 $14,697,294
14 164 $121,080 $26,333 $94,747 $14,602,547
14 165 $121,080 $26,163 $94,917 $14,507,630
14 166 $121,080 $25,993 $95,087 $14,412,544
14 167 $121,080 $25,822 $95,257 $14,317,287
14 168 $121,080 $25,652 $95,428 $14,221,859
15 169 $121,080 $25,481 $95,599 $14,126,260
15 170 $121,080 $25,310 $95,770 $14,030,490
15 171 $121,080 $25,138 $95,942 $13,934,549
15 172 $121,080 $24,966 $96,113 $13,838,435
15 173 $121,080 $24,794 $96,286 $13,742,150
15 174 $121,080 $24,621 $96,458 $13,645,691
15 175 $121,080 $24,449 $96,631 $13,549,060
15 176 $121,080 $24,275 $96,804 $13,452,256
15 177 $121,080 $24,102 $96,978 $13,355,279
15 178 $121,080 $23,928 $97,151 $13,258,127
15 179 $121,080 $23,754 $97,325 $13,160,802
15 180 $121,080 $23,580 $97,500 $13,063,302
16 181 $121,080 $23,405 $97,674 $12,965,628
16 182 $121,080 $23,230 $97,849 $12,867,778
16 183 $121,080 $23,055 $98,025 $12,769,754
16 184 $121,080 $22,879 $98,200 $12,671,553
16 185 $121,080 $22,703 $98,376 $12,573,177
16 186 $121,080 $22,527 $98,553 $12,474,624
16 187 $121,080 $22,350 $98,729 $12,375,895
16 188 $121,080 $22,173 $98,906 $12,276,989
16 189 $121,080 $21,996 $99,083 $12,177,906
16 190 $121,080 $21,819 $99,261 $12,078,645
16 191 $121,080 $21,641 $99,439 $11,979,206
16 192 $121,080 $21,463 $99,617 $11,879,590
17 193 $121,080 $21,284 $99,795 $11,779,794
17 194 $121,080 $21,105 $99,974 $11,679,820
17 195 $121,080 $20,926 $100,153 $11,579,667
17 196 $121,080 $20,747 $100,333 $11,479,334
17 197 $121,080 $20,567 $100,512 $11,378,822
17 198 $121,080 $20,387 $100,692 $11,278,130
17 199 $121,080 $20,207 $100,873 $11,177,257
17 200 $121,080 $20,026 $101,054 $11,076,203
17 201 $121,080 $19,845 $101,235 $10,974,968
17 202 $121,080 $19,663 $101,416 $10,873,552
17 203 $121,080 $19,482 $101,598 $10,771,955
17 204 $121,080 $19,300 $101,780 $10,670,175
18 205 $121,080 $19,117 $101,962 $10,568,213
18 206 $121,080 $18,935 $102,145 $10,466,068
18 207 $121,080 $18,752 $102,328 $10,363,740
18 208 $121,080 $18,568 $102,511 $10,261,229
18 209 $121,080 $18,385 $102,695 $10,158,534
18 210 $121,080 $18,201 $102,879 $10,055,655
18 211 $121,080 $18,016 $103,063 $9,952,592
18 212 $121,080 $17,832 $103,248 $9,849,344
18 213 $121,080 $17,647 $103,433 $9,745,912
18 214 $121,080 $17,461 $103,618 $9,642,293
18 215 $121,080 $17,276 $103,804 $9,538,490
18 216 $121,080 $17,090 $103,990 $9,434,500
19 217 $121,080 $16,903 $104,176 $9,330,324
19 218 $121,080 $16,717 $104,363 $9,225,961
19 219 $121,080 $16,530 $104,550 $9,121,412
19 220 $121,080 $16,343 $104,737 $9,016,675
19 221 $121,080 $16,155 $104,925 $8,911,750
19 222 $121,080 $15,967 $105,113 $8,806,637
19 223 $121,080 $15,779 $105,301 $8,701,336
19 224 $121,080 $15,590 $105,490 $8,595,847
19 225 $121,080 $15,401 $105,679 $8,490,168
19 226 $121,080 $15,212 $105,868 $8,384,300
19 227 $121,080 $15,022 $106,058 $8,278,242
19 228 $121,080 $14,832 $106,248 $8,171,995
20 229 $121,080 $14,641 $106,438 $8,065,557
20 230 $121,080 $14,451 $106,629 $7,958,928
20 231 $121,080 $14,260 $106,820 $7,852,108
20 232 $121,080 $14,068 $107,011 $7,745,097
20 233 $121,080 $13,877 $107,203 $7,637,894
20 234 $121,080 $13,685 $107,395 $7,530,499
20 235 $121,080 $13,492 $107,587 $7,422,912
20 236 $121,080 $13,299 $107,780 $7,315,132
20 237 $121,080 $13,106 $107,973 $7,207,158
20 238 $121,080 $12,913 $108,167 $7,098,992
20 239 $121,080 $12,719 $108,361 $6,990,631
20 240 $121,080 $12,525 $108,555 $6,882,076
21 241 $121,080 $12,330 $108,749 $6,773,327
21 242 $121,080 $12,136 $108,944 $6,664,383
21 243 $121,080 $11,940 $109,139 $6,555,244
21 244 $121,080 $11,745 $109,335 $6,445,909
21 245 $121,080 $11,549 $109,531 $6,336,379
21 246 $121,080 $11,353 $109,727 $6,226,652
21 247 $121,080 $11,156 $109,923 $6,116,729
21 248 $121,080 $10,959 $110,120 $6,006,608
21 249 $121,080 $10,762 $110,318 $5,896,290
21 250 $121,080 $10,564 $110,515 $5,785,775
21 251 $121,080 $10,366 $110,713 $5,675,062
21 252 $121,080 $10,168 $110,912 $5,564,150
22 253 $121,080 $9,969 $111,110 $5,453,040
22 254 $121,080 $9,770 $111,310 $5,341,730
22 255 $121,080 $9,571 $111,509 $5,230,221
22 256 $121,080 $9,371 $111,709 $5,118,512
22 257 $121,080 $9,171 $111,909 $5,006,604
22 258 $121,080 $8,970 $112,109 $4,894,494
22 259 $121,080 $8,769 $112,310 $4,782,184
22 260 $121,080 $8,568 $112,511 $4,669,673
22 261 $121,080 $8,366 $112,713 $4,556,960
22 262 $121,080 $8,165 $112,915 $4,444,045
22 263 $121,080 $7,962 $113,117 $4,330,927
22 264 $121,080 $7,760 $113,320 $4,217,607
23 265 $121,080 $7,557 $113,523 $4,104,084
23 266 $121,080 $7,353 $113,726 $3,990,358
23 267 $121,080 $7,149 $113,930 $3,876,428
23 268 $121,080 $6,945 $114,134 $3,762,294
23 269 $121,080 $6,741 $114,339 $3,647,955
23 270 $121,080 $6,536 $114,544 $3,533,411
23 271 $121,080 $6,331 $114,749 $3,418,662
23 272 $121,080 $6,125 $114,954 $3,303,708
23 273 $121,080 $5,919 $115,160 $3,188,548
23 274 $121,080 $5,713 $115,367 $3,073,181
23 275 $121,080 $5,506 $115,573 $2,957,607
23 276 $121,080 $5,299 $115,780 $2,841,827
24 277 $121,080 $5,092 $115,988 $2,725,839
24 278 $121,080 $4,884 $116,196 $2,609,643
24 279 $121,080 $4,676 $116,404 $2,493,239
24 280 $121,080 $4,467 $116,612 $2,376,627
24 281 $121,080 $4,258 $116,821 $2,259,805
24 282 $121,080 $4,049 $117,031 $2,142,775
24 283 $121,080 $3,839 $117,240 $2,025,534
24 284 $121,080 $3,629 $117,450 $1,908,084
24 285 $121,080 $3,419 $117,661 $1,790,423
24 286 $121,080 $3,208 $117,872 $1,672,551
24 287 $121,080 $2,997 $118,083 $1,554,468
24 288 $121,080 $2,785 $118,294 $1,436,174
25 289 $121,080 $2,573 $118,506 $1,317,668
25 290 $121,080 $2,361 $118,719 $1,198,949
25 291 $121,080 $2,148 $118,931 $1,080,018
25 292 $121,080 $1,935 $119,144 $960,873
25 293 $121,080 $1,722 $119,358 $841,515
25 294 $121,080 $1,508 $119,572 $721,943
25 295 $121,080 $1,293 $119,786 $602,157
25 296 $121,080 $1,079 $120,001 $482,157
25 297 $121,080 $864 $120,216 $361,941
25 298 $121,080 $648 $120,431 $241,510
25 299 $121,080 $433 $120,647 $120,863
25 300 $121,080 $217 $120,863 $0