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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$ 12,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 12,300,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$12,000,000
 
Monthly Repayment (HKD)
$77,615
Loan Amount (HKD)
$18,000,000
+
Total Interest (HKD)
$5,284,525
=
Total Repayment (HKD)
$23,284,525
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $77,615 $32,250 $45,365 $17,954,635
1 2 $77,615 $32,169 $45,446 $17,909,189
1 3 $77,615 $32,087 $45,528 $17,863,661
1 4 $77,615 $32,006 $45,609 $17,818,051
1 5 $77,615 $31,924 $45,691 $17,772,360
1 6 $77,615 $31,842 $45,773 $17,726,587
1 7 $77,615 $31,760 $45,855 $17,680,732
1 8 $77,615 $31,678 $45,937 $17,634,795
1 9 $77,615 $31,596 $46,019 $17,588,776
1 10 $77,615 $31,513 $46,102 $17,542,674
1 11 $77,615 $31,431 $46,184 $17,496,490
1 12 $77,615 $31,348 $46,267 $17,450,222
2 13 $77,615 $31,265 $46,350 $17,403,872
2 14 $77,615 $31,182 $46,433 $17,357,439
2 15 $77,615 $31,099 $46,516 $17,310,923
2 16 $77,615 $31,015 $46,600 $17,264,323
2 17 $77,615 $30,932 $46,683 $17,217,640
2 18 $77,615 $30,848 $46,767 $17,170,873
2 19 $77,615 $30,764 $46,851 $17,124,023
2 20 $77,615 $30,681 $46,935 $17,077,088
2 21 $77,615 $30,596 $47,019 $17,030,069
2 22 $77,615 $30,512 $47,103 $16,982,967
2 23 $77,615 $30,428 $47,187 $16,935,779
2 24 $77,615 $30,343 $47,272 $16,888,507
3 25 $77,615 $30,259 $47,357 $16,841,151
3 26 $77,615 $30,174 $47,441 $16,793,710
3 27 $77,615 $30,089 $47,526 $16,746,183
3 28 $77,615 $30,004 $47,612 $16,698,572
3 29 $77,615 $29,918 $47,697 $16,650,875
3 30 $77,615 $29,833 $47,782 $16,603,093
3 31 $77,615 $29,747 $47,868 $16,555,225
3 32 $77,615 $29,661 $47,954 $16,507,271
3 33 $77,615 $29,576 $48,040 $16,459,232
3 34 $77,615 $29,489 $48,126 $16,411,106
3 35 $77,615 $29,403 $48,212 $16,362,894
3 36 $77,615 $29,317 $48,298 $16,314,596
4 37 $77,615 $29,230 $48,385 $16,266,211
4 38 $77,615 $29,144 $48,471 $16,217,740
4 39 $77,615 $29,057 $48,558 $16,169,181
4 40 $77,615 $28,970 $48,645 $16,120,536
4 41 $77,615 $28,883 $48,732 $16,071,804
4 42 $77,615 $28,795 $48,820 $16,022,984
4 43 $77,615 $28,708 $48,907 $15,974,077
4 44 $77,615 $28,620 $48,995 $15,925,082
4 45 $77,615 $28,532 $49,083 $15,875,999
4 46 $77,615 $28,444 $49,171 $15,826,828
4 47 $77,615 $28,356 $49,259 $15,777,570
4 48 $77,615 $28,268 $49,347 $15,728,223
5 49 $77,615 $28,180 $49,435 $15,678,788
5 50 $77,615 $28,091 $49,524 $15,629,264
5 51 $77,615 $28,002 $49,613 $15,579,651
5 52 $77,615 $27,914 $49,702 $15,529,949
5 53 $77,615 $27,824 $49,791 $15,480,159
5 54 $77,615 $27,735 $49,880 $15,430,279
5 55 $77,615 $27,646 $49,969 $15,380,310
5 56 $77,615 $27,556 $50,059 $15,330,251
5 57 $77,615 $27,467 $50,148 $15,280,103
5 58 $77,615 $27,377 $50,238 $15,229,865
5 59 $77,615 $27,287 $50,328 $15,179,536
5 60 $77,615 $27,197 $50,418 $15,129,118
6 61 $77,615 $27,106 $50,509 $15,078,609
6 62 $77,615 $27,016 $50,599 $15,028,010
6 63 $77,615 $26,925 $50,690 $14,977,320
6 64 $77,615 $26,834 $50,781 $14,926,539
6 65 $77,615 $26,743 $50,872 $14,875,668
6 66 $77,615 $26,652 $50,963 $14,824,705
6 67 $77,615 $26,561 $51,054 $14,773,651
6 68 $77,615 $26,469 $51,146 $14,722,505
6 69 $77,615 $26,378 $51,237 $14,671,268
6 70 $77,615 $26,286 $51,329 $14,619,939
6 71 $77,615 $26,194 $51,421 $14,568,518
6 72 $77,615 $26,102 $51,513 $14,517,004
7 73 $77,615 $26,010 $51,605 $14,465,399
7 74 $77,615 $25,917 $51,698 $14,413,701
7 75 $77,615 $25,825 $51,791 $14,361,911
7 76 $77,615 $25,732 $51,883 $14,310,027
7 77 $77,615 $25,639 $51,976 $14,258,051
7 78 $77,615 $25,546 $52,069 $14,205,982
7 79 $77,615 $25,452 $52,163 $14,153,819
7 80 $77,615 $25,359 $52,256 $14,101,563
7 81 $77,615 $25,265 $52,350 $14,049,213
7 82 $77,615 $25,172 $52,444 $13,996,769
7 83 $77,615 $25,078 $52,538 $13,944,232
7 84 $77,615 $24,983 $52,632 $13,891,600
8 85 $77,615 $24,889 $52,726 $13,838,874
8 86 $77,615 $24,795 $52,820 $13,786,054
8 87 $77,615 $24,700 $52,915 $13,733,139
8 88 $77,615 $24,605 $53,010 $13,680,129
8 89 $77,615 $24,510 $53,105 $13,627,024
8 90 $77,615 $24,415 $53,200 $13,573,824
8 91 $77,615 $24,320 $53,295 $13,520,529
8 92 $77,615 $24,224 $53,391 $13,467,138
8 93 $77,615 $24,129 $53,486 $13,413,651
8 94 $77,615 $24,033 $53,582 $13,360,069
8 95 $77,615 $23,937 $53,678 $13,306,391
8 96 $77,615 $23,841 $53,774 $13,252,616
9 97 $77,615 $23,744 $53,871 $13,198,745
9 98 $77,615 $23,648 $53,967 $13,144,778
9 99 $77,615 $23,551 $54,064 $13,090,714
9 100 $77,615 $23,454 $54,161 $13,036,553
9 101 $77,615 $23,357 $54,258 $12,982,295
9 102 $77,615 $23,260 $54,355 $12,927,940
9 103 $77,615 $23,163 $54,453 $12,873,488
9 104 $77,615 $23,065 $54,550 $12,818,938
9 105 $77,615 $22,967 $54,648 $12,764,290
9 106 $77,615 $22,869 $54,746 $12,709,544
9 107 $77,615 $22,771 $54,844 $12,654,700
9 108 $77,615 $22,673 $54,942 $12,599,758
10 109 $77,615 $22,575 $55,041 $12,544,718
10 110 $77,615 $22,476 $55,139 $12,489,578
10 111 $77,615 $22,377 $55,238 $12,434,341
10 112 $77,615 $22,278 $55,337 $12,379,004
10 113 $77,615 $22,179 $55,436 $12,323,568
10 114 $77,615 $22,080 $55,535 $12,268,032
10 115 $77,615 $21,980 $55,635 $12,212,397
10 116 $77,615 $21,881 $55,735 $12,156,663
10 117 $77,615 $21,781 $55,834 $12,100,828
10 118 $77,615 $21,681 $55,934 $12,044,894
10 119 $77,615 $21,580 $56,035 $11,988,859
10 120 $77,615 $21,480 $56,135 $11,932,724
11 121 $77,615 $21,379 $56,236 $11,876,489
11 122 $77,615 $21,279 $56,336 $11,820,152
11 123 $77,615 $21,178 $56,437 $11,763,715
11 124 $77,615 $21,077 $56,538 $11,707,177
11 125 $77,615 $20,975 $56,640 $11,650,537
11 126 $77,615 $20,874 $56,741 $11,593,796
11 127 $77,615 $20,772 $56,843 $11,536,953
11 128 $77,615 $20,670 $56,945 $11,480,008
11 129 $77,615 $20,568 $57,047 $11,422,961
11 130 $77,615 $20,466 $57,149 $11,365,812
11 131 $77,615 $20,364 $57,251 $11,308,561
11 132 $77,615 $20,261 $57,354 $11,251,207
12 133 $77,615 $20,158 $57,457 $11,193,751
12 134 $77,615 $20,055 $57,560 $11,136,191
12 135 $77,615 $19,952 $57,663 $11,078,528
12 136 $77,615 $19,849 $57,766 $11,020,762
12 137 $77,615 $19,746 $57,870 $10,962,893
12 138 $77,615 $19,642 $57,973 $10,904,919
12 139 $77,615 $19,538 $58,077 $10,846,842
12 140 $77,615 $19,434 $58,181 $10,788,661
12 141 $77,615 $19,330 $58,285 $10,730,376
12 142 $77,615 $19,225 $58,390 $10,671,986
12 143 $77,615 $19,121 $58,494 $10,613,491
12 144 $77,615 $19,016 $58,599 $10,554,892
13 145 $77,615 $18,911 $58,704 $10,496,188
13 146 $77,615 $18,806 $58,809 $10,437,379
13 147 $77,615 $18,700 $58,915 $10,378,464
13 148 $77,615 $18,595 $59,020 $10,319,443
13 149 $77,615 $18,489 $59,126 $10,260,317
13 150 $77,615 $18,383 $59,232 $10,201,085
13 151 $77,615 $18,277 $59,338 $10,141,747
13 152 $77,615 $18,171 $59,444 $10,082,303
13 153 $77,615 $18,064 $59,551 $10,022,752
13 154 $77,615 $17,957 $59,658 $9,963,094
13 155 $77,615 $17,851 $59,765 $9,903,330
13 156 $77,615 $17,743 $59,872 $9,843,458
14 157 $77,615 $17,636 $59,979 $9,783,479
14 158 $77,615 $17,529 $60,086 $9,723,393
14 159 $77,615 $17,421 $60,194 $9,663,199
14 160 $77,615 $17,313 $60,302 $9,602,897
14 161 $77,615 $17,205 $60,410 $9,542,487
14 162 $77,615 $17,097 $60,518 $9,481,969
14 163 $77,615 $16,989 $60,627 $9,421,342
14 164 $77,615 $16,880 $60,735 $9,360,607
14 165 $77,615 $16,771 $60,844 $9,299,763
14 166 $77,615 $16,662 $60,953 $9,238,810
14 167 $77,615 $16,553 $61,062 $9,177,748
14 168 $77,615 $16,443 $61,172 $9,116,576
15 169 $77,615 $16,334 $61,281 $9,055,295
15 170 $77,615 $16,224 $61,391 $8,993,904
15 171 $77,615 $16,114 $61,501 $8,932,403
15 172 $77,615 $16,004 $61,611 $8,870,792
15 173 $77,615 $15,894 $61,722 $8,809,070
15 174 $77,615 $15,783 $61,832 $8,747,238
15 175 $77,615 $15,672 $61,943 $8,685,295
15 176 $77,615 $15,561 $62,054 $8,623,241
15 177 $77,615 $15,450 $62,165 $8,561,076
15 178 $77,615 $15,339 $62,276 $8,498,800
15 179 $77,615 $15,227 $62,388 $8,436,412
15 180 $77,615 $15,115 $62,500 $8,373,912
16 181 $77,615 $15,003 $62,612 $8,311,300
16 182 $77,615 $14,891 $62,724 $8,248,576
16 183 $77,615 $14,779 $62,836 $8,185,739
16 184 $77,615 $14,666 $62,949 $8,122,791
16 185 $77,615 $14,553 $63,062 $8,059,729
16 186 $77,615 $14,440 $63,175 $7,996,554
16 187 $77,615 $14,327 $63,288 $7,933,266
16 188 $77,615 $14,214 $63,401 $7,869,865
16 189 $77,615 $14,100 $63,515 $7,806,350
16 190 $77,615 $13,986 $63,629 $7,742,721
16 191 $77,615 $13,872 $63,743 $7,678,978
16 192 $77,615 $13,758 $63,857 $7,615,122
17 193 $77,615 $13,644 $63,971 $7,551,150
17 194 $77,615 $13,529 $64,086 $7,487,064
17 195 $77,615 $13,414 $64,201 $7,422,864
17 196 $77,615 $13,299 $64,316 $7,358,548
17 197 $77,615 $13,184 $64,431 $7,294,117
17 198 $77,615 $13,069 $64,546 $7,229,570
17 199 $77,615 $12,953 $64,662 $7,164,908
17 200 $77,615 $12,837 $64,778 $7,100,130
17 201 $77,615 $12,721 $64,894 $7,035,236
17 202 $77,615 $12,605 $65,010 $6,970,226
17 203 $77,615 $12,488 $65,127 $6,905,099
17 204 $77,615 $12,372 $65,243 $6,839,856
18 205 $77,615 $12,255 $65,360 $6,774,495
18 206 $77,615 $12,138 $65,477 $6,709,018
18 207 $77,615 $12,020 $65,595 $6,643,423
18 208 $77,615 $11,903 $65,712 $6,577,711
18 209 $77,615 $11,785 $65,830 $6,511,881
18 210 $77,615 $11,667 $65,948 $6,445,933
18 211 $77,615 $11,549 $66,066 $6,379,867
18 212 $77,615 $11,431 $66,184 $6,313,682
18 213 $77,615 $11,312 $66,303 $6,247,379
18 214 $77,615 $11,193 $66,422 $6,180,957
18 215 $77,615 $11,074 $66,541 $6,114,416
18 216 $77,615 $10,955 $66,660 $6,047,756
19 217 $77,615 $10,836 $66,780 $5,980,977
19 218 $77,615 $10,716 $66,899 $5,914,078
19 219 $77,615 $10,596 $67,019 $5,847,059
19 220 $77,615 $10,476 $67,139 $5,779,920
19 221 $77,615 $10,356 $67,259 $5,712,660
19 222 $77,615 $10,235 $67,380 $5,645,280
19 223 $77,615 $10,114 $67,501 $5,577,780
19 224 $77,615 $9,994 $67,622 $5,510,158
19 225 $77,615 $9,872 $67,743 $5,442,415
19 226 $77,615 $9,751 $67,864 $5,374,551
19 227 $77,615 $9,629 $67,986 $5,306,566
19 228 $77,615 $9,508 $68,107 $5,238,458
20 229 $77,615 $9,386 $68,230 $5,170,229
20 230 $77,615 $9,263 $68,352 $5,101,877
20 231 $77,615 $9,141 $68,474 $5,033,403
20 232 $77,615 $9,018 $68,597 $4,964,806
20 233 $77,615 $8,895 $68,720 $4,896,086
20 234 $77,615 $8,772 $68,843 $4,827,243
20 235 $77,615 $8,649 $68,966 $4,758,277
20 236 $77,615 $8,525 $69,090 $4,689,187
20 237 $77,615 $8,401 $69,214 $4,619,973
20 238 $77,615 $8,277 $69,338 $4,550,636
20 239 $77,615 $8,153 $69,462 $4,481,174
20 240 $77,615 $8,029 $69,586 $4,411,587
21 241 $77,615 $7,904 $69,711 $4,341,876
21 242 $77,615 $7,779 $69,836 $4,272,041
21 243 $77,615 $7,654 $69,961 $4,202,080
21 244 $77,615 $7,529 $70,086 $4,131,993
21 245 $77,615 $7,403 $70,212 $4,061,781
21 246 $77,615 $7,277 $70,338 $3,991,444
21 247 $77,615 $7,151 $70,464 $3,920,980
21 248 $77,615 $7,025 $70,590 $3,850,390
21 249 $77,615 $6,899 $70,716 $3,779,673
21 250 $77,615 $6,772 $70,843 $3,708,830
21 251 $77,615 $6,645 $70,970 $3,637,860
21 252 $77,615 $6,518 $71,097 $3,566,763
22 253 $77,615 $6,390 $71,225 $3,495,538
22 254 $77,615 $6,263 $71,352 $3,424,186
22 255 $77,615 $6,135 $71,480 $3,352,706
22 256 $77,615 $6,007 $71,608 $3,281,098
22 257 $77,615 $5,879 $71,736 $3,209,361
22 258 $77,615 $5,750 $71,865 $3,137,496
22 259 $77,615 $5,621 $71,994 $3,065,503
22 260 $77,615 $5,492 $72,123 $2,993,380
22 261 $77,615 $5,363 $72,252 $2,921,128
22 262 $77,615 $5,234 $72,381 $2,848,746
22 263 $77,615 $5,104 $72,511 $2,776,235
22 264 $77,615 $4,974 $72,641 $2,703,594
23 265 $77,615 $4,844 $72,771 $2,630,823
23 266 $77,615 $4,714 $72,902 $2,557,922
23 267 $77,615 $4,583 $73,032 $2,484,890
23 268 $77,615 $4,452 $73,163 $2,411,727
23 269 $77,615 $4,321 $73,294 $2,338,433
23 270 $77,615 $4,190 $73,425 $2,265,007
23 271 $77,615 $4,058 $73,557 $2,191,450
23 272 $77,615 $3,926 $73,689 $2,117,761
23 273 $77,615 $3,794 $73,821 $2,043,941
23 274 $77,615 $3,662 $73,953 $1,969,988
23 275 $77,615 $3,530 $74,086 $1,895,902
23 276 $77,615 $3,397 $74,218 $1,821,684
24 277 $77,615 $3,264 $74,351 $1,747,333
24 278 $77,615 $3,131 $74,484 $1,672,848
24 279 $77,615 $2,997 $74,618 $1,598,230
24 280 $77,615 $2,863 $74,752 $1,523,479
24 281 $77,615 $2,730 $74,886 $1,448,593
24 282 $77,615 $2,595 $75,020 $1,373,574
24 283 $77,615 $2,461 $75,154 $1,298,419
24 284 $77,615 $2,326 $75,289 $1,223,131
24 285 $77,615 $2,191 $75,424 $1,147,707
24 286 $77,615 $2,056 $75,559 $1,072,148
24 287 $77,615 $1,921 $75,694 $996,454
24 288 $77,615 $1,785 $75,830 $920,624
25 289 $77,615 $1,649 $75,966 $844,659
25 290 $77,615 $1,513 $76,102 $768,557
25 291 $77,615 $1,377 $76,238 $692,319
25 292 $77,615 $1,240 $76,375 $615,944
25 293 $77,615 $1,104 $76,512 $539,433
25 294 $77,615 $966 $76,649 $462,784
25 295 $77,615 $829 $76,786 $385,998
25 296 $77,615 $692 $76,924 $309,075
25 297 $77,615 $554 $77,061 $232,013
25 298 $77,615 $416 $77,199 $154,814
25 299 $77,615 $277 $77,338 $77,476
25 300 $77,615 $139 $77,476 $0