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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$ 7,160,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 7,339,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$7,160,000
 
Monthly Repayment (HKD)
$46,310
Loan Amount (HKD)
$10,740,000
+
Total Interest (HKD)
$3,153,100
=
Total Repayment (HKD)
$13,893,100
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $46,310 $19,243 $27,068 $10,712,932
1 2 $46,310 $19,194 $27,116 $10,685,816
1 3 $46,310 $19,145 $27,165 $10,658,651
1 4 $46,310 $19,097 $27,214 $10,631,437
1 5 $46,310 $19,048 $27,262 $10,604,175
1 6 $46,310 $18,999 $27,311 $10,576,864
1 7 $46,310 $18,950 $27,360 $10,549,504
1 8 $46,310 $18,901 $27,409 $10,522,095
1 9 $46,310 $18,852 $27,458 $10,494,636
1 10 $46,310 $18,803 $27,507 $10,467,129
1 11 $46,310 $18,754 $27,557 $10,439,572
1 12 $46,310 $18,704 $27,606 $10,411,966
2 13 $46,310 $18,655 $27,656 $10,384,310
2 14 $46,310 $18,605 $27,705 $10,356,605
2 15 $46,310 $18,556 $27,755 $10,328,851
2 16 $46,310 $18,506 $27,804 $10,301,046
2 17 $46,310 $18,456 $27,854 $10,273,192
2 18 $46,310 $18,406 $27,904 $10,245,288
2 19 $46,310 $18,356 $27,954 $10,217,333
2 20 $46,310 $18,306 $28,004 $10,189,329
2 21 $46,310 $18,256 $28,054 $10,161,275
2 22 $46,310 $18,206 $28,105 $10,133,170
2 23 $46,310 $18,155 $28,155 $10,105,015
2 24 $46,310 $18,105 $28,206 $10,076,809
3 25 $46,310 $18,054 $28,256 $10,048,553
3 26 $46,310 $18,004 $28,307 $10,020,247
3 27 $46,310 $17,953 $28,357 $9,991,889
3 28 $46,310 $17,902 $28,408 $9,963,481
3 29 $46,310 $17,851 $28,459 $9,935,022
3 30 $46,310 $17,800 $28,510 $9,906,512
3 31 $46,310 $17,749 $28,561 $9,877,951
3 32 $46,310 $17,698 $28,612 $9,849,338
3 33 $46,310 $17,647 $28,664 $9,820,675
3 34 $46,310 $17,595 $28,715 $9,791,960
3 35 $46,310 $17,544 $28,766 $9,763,193
3 36 $46,310 $17,492 $28,818 $9,734,376
4 37 $46,310 $17,441 $28,870 $9,705,506
4 38 $46,310 $17,389 $28,921 $9,676,585
4 39 $46,310 $17,337 $28,973 $9,647,612
4 40 $46,310 $17,285 $29,025 $9,618,587
4 41 $46,310 $17,233 $29,077 $9,589,509
4 42 $46,310 $17,181 $29,129 $9,560,380
4 43 $46,310 $17,129 $29,181 $9,531,199
4 44 $46,310 $17,077 $29,234 $9,501,965
4 45 $46,310 $17,024 $29,286 $9,472,679
4 46 $46,310 $16,972 $29,338 $9,443,341
4 47 $46,310 $16,919 $29,391 $9,413,950
4 48 $46,310 $16,867 $29,444 $9,384,506
5 49 $46,310 $16,814 $29,496 $9,355,010
5 50 $46,310 $16,761 $29,549 $9,325,461
5 51 $46,310 $16,708 $29,602 $9,295,858
5 52 $46,310 $16,655 $29,655 $9,266,203
5 53 $46,310 $16,602 $29,708 $9,236,495
5 54 $46,310 $16,549 $29,762 $9,206,733
5 55 $46,310 $16,495 $29,815 $9,176,918
5 56 $46,310 $16,442 $29,868 $9,147,050
5 57 $46,310 $16,388 $29,922 $9,117,128
5 58 $46,310 $16,335 $29,975 $9,087,153
5 59 $46,310 $16,281 $30,029 $9,057,123
5 60 $46,310 $16,227 $30,083 $9,027,040
6 61 $46,310 $16,173 $30,137 $8,996,903
6 62 $46,310 $16,119 $30,191 $8,966,713
6 63 $46,310 $16,065 $30,245 $8,936,468
6 64 $46,310 $16,011 $30,299 $8,906,168
6 65 $46,310 $15,957 $30,353 $8,875,815
6 66 $46,310 $15,903 $30,408 $8,845,407
6 67 $46,310 $15,848 $30,462 $8,814,945
6 68 $46,310 $15,793 $30,517 $8,784,428
6 69 $46,310 $15,739 $30,572 $8,753,856
6 70 $46,310 $15,684 $30,626 $8,723,230
6 71 $46,310 $15,629 $30,681 $8,692,549
6 72 $46,310 $15,574 $30,736 $8,661,813
7 73 $46,310 $15,519 $30,791 $8,631,021
7 74 $46,310 $15,464 $30,846 $8,600,175
7 75 $46,310 $15,409 $30,902 $8,569,273
7 76 $46,310 $15,353 $30,957 $8,538,316
7 77 $46,310 $15,298 $31,013 $8,507,304
7 78 $46,310 $15,242 $31,068 $8,476,236
7 79 $46,310 $15,187 $31,124 $8,445,112
7 80 $46,310 $15,131 $31,180 $8,413,932
7 81 $46,310 $15,075 $31,235 $8,382,697
7 82 $46,310 $15,019 $31,291 $8,351,406
7 83 $46,310 $14,963 $31,347 $8,320,058
7 84 $46,310 $14,907 $31,404 $8,288,655
8 85 $46,310 $14,851 $31,460 $8,257,195
8 86 $46,310 $14,794 $31,516 $8,225,679
8 87 $46,310 $14,738 $31,573 $8,194,106
8 88 $46,310 $14,681 $31,629 $8,162,477
8 89 $46,310 $14,624 $31,686 $8,130,791
8 90 $46,310 $14,568 $31,743 $8,099,048
8 91 $46,310 $14,511 $31,800 $8,067,249
8 92 $46,310 $14,454 $31,857 $8,035,392
8 93 $46,310 $14,397 $31,914 $8,003,479
8 94 $46,310 $14,340 $31,971 $7,971,508
8 95 $46,310 $14,282 $32,028 $7,939,480
8 96 $46,310 $14,225 $32,085 $7,907,394
9 97 $46,310 $14,167 $32,143 $7,875,251
9 98 $46,310 $14,110 $32,201 $7,843,051
9 99 $46,310 $14,052 $32,258 $7,810,793
9 100 $46,310 $13,994 $32,316 $7,778,477
9 101 $46,310 $13,936 $32,374 $7,746,103
9 102 $46,310 $13,878 $32,432 $7,713,671
9 103 $46,310 $13,820 $32,490 $7,681,181
9 104 $46,310 $13,762 $32,548 $7,648,633
9 105 $46,310 $13,704 $32,607 $7,616,026
9 106 $46,310 $13,645 $32,665 $7,583,361
9 107 $46,310 $13,587 $32,723 $7,550,638
9 108 $46,310 $13,528 $32,782 $7,517,856
10 109 $46,310 $13,469 $32,841 $7,485,015
10 110 $46,310 $13,411 $32,900 $7,452,115
10 111 $46,310 $13,352 $32,959 $7,419,157
10 112 $46,310 $13,293 $33,018 $7,386,139
10 113 $46,310 $13,233 $33,077 $7,353,062
10 114 $46,310 $13,174 $33,136 $7,319,926
10 115 $46,310 $13,115 $33,195 $7,286,730
10 116 $46,310 $13,055 $33,255 $7,253,476
10 117 $46,310 $12,996 $33,315 $7,220,161
10 118 $46,310 $12,936 $33,374 $7,186,787
10 119 $46,310 $12,876 $33,434 $7,153,353
10 120 $46,310 $12,816 $33,494 $7,119,859
11 121 $46,310 $12,756 $33,554 $7,086,305
11 122 $46,310 $12,696 $33,614 $7,052,691
11 123 $46,310 $12,636 $33,674 $7,019,017
11 124 $46,310 $12,576 $33,735 $6,985,282
11 125 $46,310 $12,515 $33,795 $6,951,487
11 126 $46,310 $12,455 $33,856 $6,917,631
11 127 $46,310 $12,394 $33,916 $6,883,715
11 128 $46,310 $12,333 $33,977 $6,849,738
11 129 $46,310 $12,272 $34,038 $6,815,700
11 130 $46,310 $12,211 $34,099 $6,781,601
11 131 $46,310 $12,150 $34,160 $6,747,441
11 132 $46,310 $12,089 $34,221 $6,713,220
12 133 $46,310 $12,028 $34,282 $6,678,938
12 134 $46,310 $11,966 $34,344 $6,644,594
12 135 $46,310 $11,905 $34,405 $6,610,188
12 136 $46,310 $11,843 $34,467 $6,575,721
12 137 $46,310 $11,782 $34,529 $6,541,193
12 138 $46,310 $11,720 $34,591 $6,506,602
12 139 $46,310 $11,658 $34,653 $6,471,949
12 140 $46,310 $11,596 $34,715 $6,437,234
12 141 $46,310 $11,533 $34,777 $6,402,457
12 142 $46,310 $11,471 $34,839 $6,367,618
12 143 $46,310 $11,409 $34,902 $6,332,717
12 144 $46,310 $11,346 $34,964 $6,297,752
13 145 $46,310 $11,283 $35,027 $6,262,725
13 146 $46,310 $11,221 $35,090 $6,227,636
13 147 $46,310 $11,158 $35,152 $6,192,483
13 148 $46,310 $11,095 $35,215 $6,157,268
13 149 $46,310 $11,032 $35,279 $6,121,989
13 150 $46,310 $10,969 $35,342 $6,086,648
13 151 $46,310 $10,905 $35,405 $6,051,242
13 152 $46,310 $10,842 $35,469 $6,015,774
13 153 $46,310 $10,778 $35,532 $5,980,242
13 154 $46,310 $10,715 $35,596 $5,944,646
13 155 $46,310 $10,651 $35,660 $5,908,987
13 156 $46,310 $10,587 $35,723 $5,873,263
14 157 $46,310 $10,523 $35,787 $5,837,476
14 158 $46,310 $10,459 $35,852 $5,801,624
14 159 $46,310 $10,395 $35,916 $5,765,709
14 160 $46,310 $10,330 $35,980 $5,729,728
14 161 $46,310 $10,266 $36,045 $5,693,684
14 162 $46,310 $10,201 $36,109 $5,657,575
14 163 $46,310 $10,136 $36,174 $5,621,401
14 164 $46,310 $10,072 $36,239 $5,585,162
14 165 $46,310 $10,007 $36,304 $5,548,859
14 166 $46,310 $9,942 $36,369 $5,512,490
14 167 $46,310 $9,877 $36,434 $5,476,056
14 168 $46,310 $9,811 $36,499 $5,439,557
15 169 $46,310 $9,746 $36,564 $5,402,993
15 170 $46,310 $9,680 $36,630 $5,366,363
15 171 $46,310 $9,615 $36,696 $5,329,667
15 172 $46,310 $9,549 $36,761 $5,292,906
15 173 $46,310 $9,483 $36,827 $5,256,079
15 174 $46,310 $9,417 $36,893 $5,219,185
15 175 $46,310 $9,351 $36,959 $5,182,226
15 176 $46,310 $9,285 $37,026 $5,145,201
15 177 $46,310 $9,218 $37,092 $5,108,109
15 178 $46,310 $9,152 $37,158 $5,070,950
15 179 $46,310 $9,085 $37,225 $5,033,726
15 180 $46,310 $9,019 $37,292 $4,996,434
16 181 $46,310 $8,952 $37,358 $4,959,076
16 182 $46,310 $8,885 $37,425 $4,921,650
16 183 $46,310 $8,818 $37,492 $4,884,158
16 184 $46,310 $8,751 $37,560 $4,846,598
16 185 $46,310 $8,683 $37,627 $4,808,971
16 186 $46,310 $8,616 $37,694 $4,771,277
16 187 $46,310 $8,549 $37,762 $4,733,515
16 188 $46,310 $8,481 $37,829 $4,695,686
16 189 $46,310 $8,413 $37,897 $4,657,789
16 190 $46,310 $8,345 $37,965 $4,619,824
16 191 $46,310 $8,277 $38,033 $4,581,790
16 192 $46,310 $8,209 $38,101 $4,543,689
17 193 $46,310 $8,141 $38,170 $4,505,520
17 194 $46,310 $8,072 $38,238 $4,467,282
17 195 $46,310 $8,004 $38,306 $4,428,975
17 196 $46,310 $7,935 $38,375 $4,390,600
17 197 $46,310 $7,866 $38,444 $4,352,156
17 198 $46,310 $7,798 $38,513 $4,313,644
17 199 $46,310 $7,729 $38,582 $4,275,062
17 200 $46,310 $7,659 $38,651 $4,236,411
17 201 $46,310 $7,590 $38,720 $4,197,691
17 202 $46,310 $7,521 $38,789 $4,158,901
17 203 $46,310 $7,451 $38,859 $4,120,042
17 204 $46,310 $7,382 $38,929 $4,081,114
18 205 $46,310 $7,312 $38,998 $4,042,116
18 206 $46,310 $7,242 $39,068 $4,003,047
18 207 $46,310 $7,172 $39,138 $3,963,909
18 208 $46,310 $7,102 $39,208 $3,924,701
18 209 $46,310 $7,032 $39,279 $3,885,422
18 210 $46,310 $6,961 $39,349 $3,846,073
18 211 $46,310 $6,891 $39,419 $3,806,654
18 212 $46,310 $6,820 $39,490 $3,767,164
18 213 $46,310 $6,750 $39,561 $3,727,603
18 214 $46,310 $6,679 $39,632 $3,687,971
18 215 $46,310 $6,608 $39,703 $3,648,268
18 216 $46,310 $6,536 $39,774 $3,608,495
19 217 $46,310 $6,465 $39,845 $3,568,650
19 218 $46,310 $6,394 $39,917 $3,528,733
19 219 $46,310 $6,322 $39,988 $3,488,745
19 220 $46,310 $6,251 $40,060 $3,448,685
19 221 $46,310 $6,179 $40,131 $3,408,554
19 222 $46,310 $6,107 $40,203 $3,368,351
19 223 $46,310 $6,035 $40,275 $3,328,075
19 224 $46,310 $5,963 $40,348 $3,287,728
19 225 $46,310 $5,891 $40,420 $3,247,308
19 226 $46,310 $5,818 $40,492 $3,206,816
19 227 $46,310 $5,746 $40,565 $3,166,251
19 228 $46,310 $5,673 $40,637 $3,125,613
20 229 $46,310 $5,600 $40,710 $3,084,903
20 230 $46,310 $5,527 $40,783 $3,044,120
20 231 $46,310 $5,454 $40,856 $3,003,264
20 232 $46,310 $5,381 $40,929 $2,962,334
20 233 $46,310 $5,308 $41,003 $2,921,331
20 234 $46,310 $5,234 $41,076 $2,880,255
20 235 $46,310 $5,160 $41,150 $2,839,105
20 236 $46,310 $5,087 $41,224 $2,797,882
20 237 $46,310 $5,013 $41,297 $2,756,584
20 238 $46,310 $4,939 $41,371 $2,715,213
20 239 $46,310 $4,865 $41,446 $2,673,767
20 240 $46,310 $4,790 $41,520 $2,632,247
21 241 $46,310 $4,716 $41,594 $2,590,653
21 242 $46,310 $4,642 $41,669 $2,548,984
21 243 $46,310 $4,567 $41,743 $2,507,241
21 244 $46,310 $4,492 $41,818 $2,465,423
21 245 $46,310 $4,417 $41,893 $2,423,529
21 246 $46,310 $4,342 $41,968 $2,381,561
21 247 $46,310 $4,267 $42,043 $2,339,518
21 248 $46,310 $4,192 $42,119 $2,297,399
21 249 $46,310 $4,116 $42,194 $2,255,205
21 250 $46,310 $4,041 $42,270 $2,212,935
21 251 $46,310 $3,965 $42,345 $2,170,590
21 252 $46,310 $3,889 $42,421 $2,128,168
22 253 $46,310 $3,813 $42,497 $2,085,671
22 254 $46,310 $3,737 $42,574 $2,043,098
22 255 $46,310 $3,661 $42,650 $2,000,448
22 256 $46,310 $3,584 $42,726 $1,957,722
22 257 $46,310 $3,508 $42,803 $1,914,919
22 258 $46,310 $3,431 $42,879 $1,872,039
22 259 $46,310 $3,354 $42,956 $1,829,083
22 260 $46,310 $3,277 $43,033 $1,786,050
22 261 $46,310 $3,200 $43,110 $1,742,940
22 262 $46,310 $3,123 $43,188 $1,699,752
22 263 $46,310 $3,045 $43,265 $1,656,487
22 264 $46,310 $2,968 $43,342 $1,613,145
23 265 $46,310 $2,890 $43,420 $1,569,725
23 266 $46,310 $2,812 $43,498 $1,526,227
23 267 $46,310 $2,734 $43,576 $1,482,651
23 268 $46,310 $2,656 $43,654 $1,438,997
23 269 $46,310 $2,578 $43,732 $1,395,265
23 270 $46,310 $2,500 $43,810 $1,351,454
23 271 $46,310 $2,421 $43,889 $1,307,565
23 272 $46,310 $2,343 $43,968 $1,263,598
23 273 $46,310 $2,264 $44,046 $1,219,551
23 274 $46,310 $2,185 $44,125 $1,175,426
23 275 $46,310 $2,106 $44,204 $1,131,222
23 276 $46,310 $2,027 $44,284 $1,086,938
24 277 $46,310 $1,947 $44,363 $1,042,575
24 278 $46,310 $1,868 $44,442 $998,133
24 279 $46,310 $1,788 $44,522 $953,611
24 280 $46,310 $1,709 $44,602 $909,009
24 281 $46,310 $1,629 $44,682 $864,327
24 282 $46,310 $1,549 $44,762 $819,566
24 283 $46,310 $1,468 $44,842 $774,724
24 284 $46,310 $1,388 $44,922 $729,801
24 285 $46,310 $1,308 $45,003 $684,799
24 286 $46,310 $1,227 $45,083 $639,715
24 287 $46,310 $1,146 $45,164 $594,551
24 288 $46,310 $1,065 $45,245 $549,306
25 289 $46,310 $984 $45,326 $503,980
25 290 $46,310 $903 $45,407 $458,572
25 291 $46,310 $822 $45,489 $413,084
25 292 $46,310 $740 $45,570 $367,513
25 293 $46,310 $658 $45,652 $321,862
25 294 $46,310 $577 $45,734 $276,128
25 295 $46,310 $495 $45,816 $230,312
25 296 $46,310 $413 $45,898 $184,415
25 297 $46,310 $330 $45,980 $138,435
25 298 $46,310 $248 $46,062 $92,372
25 299 $46,310 $166 $46,145 $46,228
25 300 $46,310 $83 $46,228 $0