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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$ 18,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 19,270,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$18,800,000
 
Monthly Repayment (HKD)
$121,597
Loan Amount (HKD)
$28,200,000
+
Total Interest (HKD)
$8,279,089
=
Total Repayment (HKD)
$36,479,089
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $121,597 $50,525 $71,072 $28,128,928
1 2 $121,597 $50,398 $71,199 $28,057,729
1 3 $121,597 $50,270 $71,327 $27,986,402
1 4 $121,597 $50,142 $71,455 $27,914,947
1 5 $121,597 $50,014 $71,583 $27,843,365
1 6 $121,597 $49,886 $71,711 $27,771,654
1 7 $121,597 $49,758 $71,839 $27,699,814
1 8 $121,597 $49,629 $71,968 $27,627,846
1 9 $121,597 $49,500 $72,097 $27,555,749
1 10 $121,597 $49,371 $72,226 $27,483,523
1 11 $121,597 $49,241 $72,356 $27,411,167
1 12 $121,597 $49,112 $72,485 $27,338,682
2 13 $121,597 $48,982 $72,615 $27,266,067
2 14 $121,597 $48,852 $72,745 $27,193,321
2 15 $121,597 $48,721 $72,876 $27,120,446
2 16 $121,597 $48,591 $73,006 $27,047,440
2 17 $121,597 $48,460 $73,137 $26,974,303
2 18 $121,597 $48,329 $73,268 $26,901,035
2 19 $121,597 $48,198 $73,399 $26,827,635
2 20 $121,597 $48,066 $73,531 $26,754,105
2 21 $121,597 $47,934 $73,663 $26,680,442
2 22 $121,597 $47,802 $73,795 $26,606,648
2 23 $121,597 $47,670 $73,927 $26,532,721
2 24 $121,597 $47,538 $74,059 $26,458,662
3 25 $121,597 $47,405 $74,192 $26,384,470
3 26 $121,597 $47,272 $74,325 $26,310,145
3 27 $121,597 $47,139 $74,458 $26,235,687
3 28 $121,597 $47,006 $74,591 $26,161,096
3 29 $121,597 $46,872 $74,725 $26,086,371
3 30 $121,597 $46,738 $74,859 $26,011,512
3 31 $121,597 $46,604 $74,993 $25,936,519
3 32 $121,597 $46,470 $75,127 $25,861,391
3 33 $121,597 $46,335 $75,262 $25,786,129
3 34 $121,597 $46,200 $75,397 $25,710,733
3 35 $121,597 $46,065 $75,532 $25,635,201
3 36 $121,597 $45,930 $75,667 $25,559,534
4 37 $121,597 $45,794 $75,803 $25,483,731
4 38 $121,597 $45,658 $75,939 $25,407,792
4 39 $121,597 $45,522 $76,075 $25,331,717
4 40 $121,597 $45,386 $76,211 $25,255,506
4 41 $121,597 $45,249 $76,348 $25,179,159
4 42 $121,597 $45,113 $76,484 $25,102,675
4 43 $121,597 $44,976 $76,621 $25,026,053
4 44 $121,597 $44,838 $76,759 $24,949,295
4 45 $121,597 $44,701 $76,896 $24,872,399
4 46 $121,597 $44,563 $77,034 $24,795,365
4 47 $121,597 $44,425 $77,172 $24,718,193
4 48 $121,597 $44,287 $77,310 $24,640,882
5 49 $121,597 $44,148 $77,449 $24,563,434
5 50 $121,597 $44,009 $77,587 $24,485,846
5 51 $121,597 $43,870 $77,726 $24,408,120
5 52 $121,597 $43,731 $77,866 $24,330,254
5 53 $121,597 $43,592 $78,005 $24,252,249
5 54 $121,597 $43,452 $78,145 $24,174,104
5 55 $121,597 $43,312 $78,285 $24,095,819
5 56 $121,597 $43,172 $78,425 $24,017,393
5 57 $121,597 $43,031 $78,566 $23,938,828
5 58 $121,597 $42,890 $78,707 $23,860,121
5 59 $121,597 $42,749 $78,848 $23,781,274
5 60 $121,597 $42,608 $78,989 $23,702,285
6 61 $121,597 $42,467 $79,130 $23,623,154
6 62 $121,597 $42,325 $79,272 $23,543,882
6 63 $121,597 $42,183 $79,414 $23,464,468
6 64 $121,597 $42,041 $79,556 $23,384,912
6 65 $121,597 $41,898 $79,699 $23,305,213
6 66 $121,597 $41,755 $79,842 $23,225,371
6 67 $121,597 $41,612 $79,985 $23,145,386
6 68 $121,597 $41,469 $80,128 $23,065,258
6 69 $121,597 $41,325 $80,272 $22,984,986
6 70 $121,597 $41,181 $80,416 $22,904,571
6 71 $121,597 $41,037 $80,560 $22,824,011
6 72 $121,597 $40,893 $80,704 $22,743,307
7 73 $121,597 $40,748 $80,849 $22,662,458
7 74 $121,597 $40,604 $80,993 $22,581,465
7 75 $121,597 $40,458 $81,139 $22,500,327
7 76 $121,597 $40,313 $81,284 $22,419,043
7 77 $121,597 $40,167 $81,430 $22,337,613
7 78 $121,597 $40,022 $81,575 $22,256,038
7 79 $121,597 $39,875 $81,722 $22,174,316
7 80 $121,597 $39,729 $81,868 $22,092,448
7 81 $121,597 $39,582 $82,015 $22,010,434
7 82 $121,597 $39,435 $82,162 $21,928,272
7 83 $121,597 $39,288 $82,309 $21,845,963
7 84 $121,597 $39,141 $82,456 $21,763,507
8 85 $121,597 $38,993 $82,604 $21,680,903
8 86 $121,597 $38,845 $82,752 $21,598,151
8 87 $121,597 $38,697 $82,900 $21,515,251
8 88 $121,597 $38,548 $83,049 $21,432,202
8 89 $121,597 $38,399 $83,198 $21,349,004
8 90 $121,597 $38,250 $83,347 $21,265,657
8 91 $121,597 $38,101 $83,496 $21,182,161
8 92 $121,597 $37,951 $83,646 $21,098,516
8 93 $121,597 $37,802 $83,795 $21,014,720
8 94 $121,597 $37,651 $83,946 $20,930,775
8 95 $121,597 $37,501 $84,096 $20,846,679
8 96 $121,597 $37,350 $84,247 $20,762,432
9 97 $121,597 $37,199 $84,398 $20,678,035
9 98 $121,597 $37,048 $84,549 $20,593,486
9 99 $121,597 $36,897 $84,700 $20,508,785
9 100 $121,597 $36,745 $84,852 $20,423,933
9 101 $121,597 $36,593 $85,004 $20,338,929
9 102 $121,597 $36,441 $85,156 $20,253,773
9 103 $121,597 $36,288 $85,309 $20,168,464
9 104 $121,597 $36,135 $85,462 $20,083,002
9 105 $121,597 $35,982 $85,615 $19,997,387
9 106 $121,597 $35,829 $85,768 $19,911,619
9 107 $121,597 $35,675 $85,922 $19,825,697
9 108 $121,597 $35,521 $86,076 $19,739,621
10 109 $121,597 $35,367 $86,230 $19,653,391
10 110 $121,597 $35,212 $86,385 $19,567,006
10 111 $121,597 $35,058 $86,539 $19,480,467
10 112 $121,597 $34,903 $86,694 $19,393,772
10 113 $121,597 $34,747 $86,850 $19,306,923
10 114 $121,597 $34,592 $87,005 $19,219,917
10 115 $121,597 $34,436 $87,161 $19,132,756
10 116 $121,597 $34,280 $87,317 $19,045,438
10 117 $121,597 $34,123 $87,474 $18,957,965
10 118 $121,597 $33,966 $87,631 $18,870,334
10 119 $121,597 $33,809 $87,788 $18,782,546
10 120 $121,597 $33,652 $87,945 $18,694,601
11 121 $121,597 $33,494 $88,102 $18,606,499
11 122 $121,597 $33,337 $88,260 $18,518,239
11 123 $121,597 $33,179 $88,418 $18,429,820
11 124 $121,597 $33,020 $88,577 $18,341,243
11 125 $121,597 $32,861 $88,736 $18,252,508
11 126 $121,597 $32,702 $88,895 $18,163,613
11 127 $121,597 $32,543 $89,054 $18,074,559
11 128 $121,597 $32,384 $89,213 $17,985,346
11 129 $121,597 $32,224 $89,373 $17,895,973
11 130 $121,597 $32,064 $89,533 $17,806,439
11 131 $121,597 $31,903 $89,694 $17,716,746
11 132 $121,597 $31,743 $89,854 $17,626,891
12 133 $121,597 $31,582 $90,015 $17,536,876
12 134 $121,597 $31,420 $90,177 $17,446,699
12 135 $121,597 $31,259 $90,338 $17,356,361
12 136 $121,597 $31,097 $90,500 $17,265,861
12 137 $121,597 $30,935 $90,662 $17,175,198
12 138 $121,597 $30,772 $90,825 $17,084,374
12 139 $121,597 $30,610 $90,987 $16,993,386
12 140 $121,597 $30,446 $91,150 $16,902,236
12 141 $121,597 $30,283 $91,314 $16,810,922
12 142 $121,597 $30,120 $91,477 $16,719,444
12 143 $121,597 $29,956 $91,641 $16,627,803
12 144 $121,597 $29,791 $91,805 $16,535,998
13 145 $121,597 $29,627 $91,970 $16,444,028
13 146 $121,597 $29,462 $92,135 $16,351,893
13 147 $121,597 $29,297 $92,300 $16,259,593
13 148 $121,597 $29,132 $92,465 $16,167,128
13 149 $121,597 $28,966 $92,631 $16,074,497
13 150 $121,597 $28,800 $92,797 $15,981,700
13 151 $121,597 $28,634 $92,963 $15,888,737
13 152 $121,597 $28,467 $93,130 $15,795,608
13 153 $121,597 $28,300 $93,296 $15,702,311
13 154 $121,597 $28,133 $93,464 $15,608,847
13 155 $121,597 $27,966 $93,631 $15,515,216
13 156 $121,597 $27,798 $93,799 $15,421,417
14 157 $121,597 $27,630 $93,967 $15,327,451
14 158 $121,597 $27,462 $94,135 $15,233,315
14 159 $121,597 $27,293 $94,304 $15,139,011
14 160 $121,597 $27,124 $94,473 $15,044,538
14 161 $121,597 $26,955 $94,642 $14,949,896
14 162 $121,597 $26,785 $94,812 $14,855,084
14 163 $121,597 $26,615 $94,982 $14,760,103
14 164 $121,597 $26,445 $95,152 $14,664,951
14 165 $121,597 $26,275 $95,322 $14,569,629
14 166 $121,597 $26,104 $95,493 $14,474,136
14 167 $121,597 $25,933 $95,664 $14,378,472
14 168 $121,597 $25,761 $95,836 $14,282,636
15 169 $121,597 $25,590 $96,007 $14,186,629
15 170 $121,597 $25,418 $96,179 $14,090,450
15 171 $121,597 $25,245 $96,352 $13,994,098
15 172 $121,597 $25,073 $96,524 $13,897,574
15 173 $121,597 $24,900 $96,697 $13,800,877
15 174 $121,597 $24,727 $96,870 $13,704,006
15 175 $121,597 $24,553 $97,044 $13,606,962
15 176 $121,597 $24,379 $97,218 $13,509,745
15 177 $121,597 $24,205 $97,392 $13,412,353
15 178 $121,597 $24,030 $97,566 $13,314,786
15 179 $121,597 $23,856 $97,741 $13,217,045
15 180 $121,597 $23,681 $97,916 $13,119,128
16 181 $121,597 $23,505 $98,092 $13,021,036
16 182 $121,597 $23,329 $98,268 $12,922,769
16 183 $121,597 $23,153 $98,444 $12,824,325
16 184 $121,597 $22,977 $98,620 $12,725,705
16 185 $121,597 $22,800 $98,797 $12,626,908
16 186 $121,597 $22,623 $98,974 $12,527,935
16 187 $121,597 $22,446 $99,151 $12,428,784
16 188 $121,597 $22,268 $99,329 $12,329,455
16 189 $121,597 $22,090 $99,507 $12,229,948
16 190 $121,597 $21,912 $99,685 $12,130,263
16 191 $121,597 $21,733 $99,864 $12,030,400
16 192 $121,597 $21,554 $100,042 $11,930,357
17 193 $121,597 $21,375 $100,222 $11,830,135
17 194 $121,597 $21,196 $100,401 $11,729,734
17 195 $121,597 $21,016 $100,581 $11,629,153
17 196 $121,597 $20,836 $100,761 $11,528,391
17 197 $121,597 $20,655 $100,942 $11,427,450
17 198 $121,597 $20,474 $101,123 $11,326,327
17 199 $121,597 $20,293 $101,304 $11,225,023
17 200 $121,597 $20,111 $101,485 $11,123,537
17 201 $121,597 $19,930 $101,667 $11,021,870
17 202 $121,597 $19,748 $101,849 $10,920,021
17 203 $121,597 $19,565 $102,032 $10,817,989
17 204 $121,597 $19,382 $102,215 $10,715,774
18 205 $121,597 $19,199 $102,398 $10,613,376
18 206 $121,597 $19,016 $102,581 $10,510,795
18 207 $121,597 $18,832 $102,765 $10,408,030
18 208 $121,597 $18,648 $102,949 $10,305,080
18 209 $121,597 $18,463 $103,134 $10,201,947
18 210 $121,597 $18,278 $103,318 $10,098,628
18 211 $121,597 $18,093 $103,504 $9,995,125
18 212 $121,597 $17,908 $103,689 $9,891,436
18 213 $121,597 $17,722 $103,875 $9,787,561
18 214 $121,597 $17,536 $104,061 $9,683,500
18 215 $121,597 $17,350 $104,247 $9,579,252
18 216 $121,597 $17,163 $104,434 $9,474,818
19 217 $121,597 $16,976 $104,621 $9,370,197
19 218 $121,597 $16,788 $104,809 $9,265,388
19 219 $121,597 $16,600 $104,996 $9,160,392
19 220 $121,597 $16,412 $105,185 $9,055,207
19 221 $121,597 $16,224 $105,373 $8,949,834
19 222 $121,597 $16,035 $105,562 $8,844,272
19 223 $121,597 $15,846 $105,751 $8,738,521
19 224 $121,597 $15,657 $105,940 $8,632,581
19 225 $121,597 $15,467 $106,130 $8,526,451
19 226 $121,597 $15,277 $106,320 $8,420,130
19 227 $121,597 $15,086 $106,511 $8,313,619
19 228 $121,597 $14,895 $106,702 $8,206,918
20 229 $121,597 $14,704 $106,893 $8,100,025
20 230 $121,597 $14,513 $107,084 $7,992,940
20 231 $121,597 $14,321 $107,276 $7,885,664
20 232 $121,597 $14,128 $107,468 $7,778,196
20 233 $121,597 $13,936 $107,661 $7,670,535
20 234 $121,597 $13,743 $107,854 $7,562,681
20 235 $121,597 $13,550 $108,047 $7,454,634
20 236 $121,597 $13,356 $108,241 $7,346,393
20 237 $121,597 $13,162 $108,435 $7,237,958
20 238 $121,597 $12,968 $108,629 $7,129,329
20 239 $121,597 $12,773 $108,824 $7,020,506
20 240 $121,597 $12,578 $109,019 $6,911,487
21 241 $121,597 $12,383 $109,214 $6,802,273
21 242 $121,597 $12,187 $109,410 $6,692,864
21 243 $121,597 $11,991 $109,606 $6,583,258
21 244 $121,597 $11,795 $109,802 $6,473,456
21 245 $121,597 $11,598 $109,999 $6,363,457
21 246 $121,597 $11,401 $110,196 $6,253,262
21 247 $121,597 $11,204 $110,393 $6,142,868
21 248 $121,597 $11,006 $110,591 $6,032,277
21 249 $121,597 $10,808 $110,789 $5,921,488
21 250 $121,597 $10,609 $110,988 $5,810,501
21 251 $121,597 $10,410 $111,186 $5,699,314
21 252 $121,597 $10,211 $111,386 $5,587,928
22 253 $121,597 $10,012 $111,585 $5,476,343
22 254 $121,597 $9,812 $111,785 $5,364,558
22 255 $121,597 $9,611 $111,985 $5,252,573
22 256 $121,597 $9,411 $112,186 $5,140,386
22 257 $121,597 $9,210 $112,387 $5,027,999
22 258 $121,597 $9,008 $112,588 $4,915,411
22 259 $121,597 $8,807 $112,790 $4,802,621
22 260 $121,597 $8,605 $112,992 $4,689,628
22 261 $121,597 $8,402 $113,195 $4,576,434
22 262 $121,597 $8,199 $113,398 $4,463,036
22 263 $121,597 $7,996 $113,601 $4,349,435
22 264 $121,597 $7,793 $113,804 $4,235,631
23 265 $121,597 $7,589 $114,008 $4,121,623
23 266 $121,597 $7,385 $114,212 $4,007,411
23 267 $121,597 $7,180 $114,417 $3,892,994
23 268 $121,597 $6,975 $114,622 $3,778,372
23 269 $121,597 $6,770 $114,827 $3,663,544
23 270 $121,597 $6,564 $115,033 $3,548,511
23 271 $121,597 $6,358 $115,239 $3,433,272
23 272 $121,597 $6,151 $115,446 $3,317,826
23 273 $121,597 $5,944 $115,653 $3,202,174
23 274 $121,597 $5,737 $115,860 $3,086,314
23 275 $121,597 $5,530 $116,067 $2,970,247
23 276 $121,597 $5,322 $116,275 $2,853,971
24 277 $121,597 $5,113 $116,484 $2,737,488
24 278 $121,597 $4,905 $116,692 $2,620,796
24 279 $121,597 $4,696 $116,901 $2,503,894
24 280 $121,597 $4,486 $117,111 $2,386,783
24 281 $121,597 $4,276 $117,321 $2,269,463
24 282 $121,597 $4,066 $117,531 $2,151,932
24 283 $121,597 $3,856 $117,741 $2,034,190
24 284 $121,597 $3,645 $117,952 $1,916,238
24 285 $121,597 $3,433 $118,164 $1,798,074
24 286 $121,597 $3,222 $118,375 $1,679,699
24 287 $121,597 $3,009 $118,588 $1,561,111
24 288 $121,597 $2,797 $118,800 $1,442,312
25 289 $121,597 $2,584 $119,013 $1,323,299
25 290 $121,597 $2,371 $119,226 $1,204,073
25 291 $121,597 $2,157 $119,440 $1,084,633
25 292 $121,597 $1,943 $119,654 $964,979
25 293 $121,597 $1,729 $119,868 $845,111
25 294 $121,597 $1,514 $120,083 $725,028
25 295 $121,597 $1,299 $120,298 $604,731
25 296 $121,597 $1,083 $120,513 $484,217
25 297 $121,597 $868 $120,729 $363,488
25 298 $121,597 $651 $120,946 $242,542
25 299 $121,597 $435 $121,162 $121,379
25 300 $121,597 $217 $121,379 $0