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$ 25,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 26,158,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$25,520,000
 
Monthly Repayment (HKD)
$165,061
Loan Amount (HKD)
$38,280,000
+
Total Interest (HKD)
$11,238,423
=
Total Repayment (HKD)
$49,518,423
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $165,061 $68,585 $96,476 $38,183,524
1 2 $165,061 $68,412 $96,649 $38,086,874
1 3 $165,061 $68,239 $96,822 $37,990,052
1 4 $165,061 $68,066 $96,996 $37,893,056
1 5 $165,061 $67,892 $97,170 $37,795,886
1 6 $165,061 $67,718 $97,344 $37,698,543
1 7 $165,061 $67,543 $97,518 $37,601,024
1 8 $165,061 $67,369 $97,693 $37,503,331
1 9 $165,061 $67,193 $97,868 $37,405,463
1 10 $165,061 $67,018 $98,043 $37,307,420
1 11 $165,061 $66,842 $98,219 $37,209,201
1 12 $165,061 $66,666 $98,395 $37,110,806
2 13 $165,061 $66,490 $98,571 $37,012,235
2 14 $165,061 $66,314 $98,748 $36,913,487
2 15 $165,061 $66,137 $98,925 $36,814,563
2 16 $165,061 $65,959 $99,102 $36,715,461
2 17 $165,061 $65,782 $99,280 $36,616,181
2 18 $165,061 $65,604 $99,457 $36,516,724
2 19 $165,061 $65,426 $99,636 $36,417,088
2 20 $165,061 $65,247 $99,814 $36,317,274
2 21 $165,061 $65,068 $99,993 $36,217,281
2 22 $165,061 $64,889 $100,172 $36,117,109
2 23 $165,061 $64,710 $100,352 $36,016,757
2 24 $165,061 $64,530 $100,531 $35,916,226
3 25 $165,061 $64,350 $100,712 $35,815,514
3 26 $165,061 $64,169 $100,892 $35,714,622
3 27 $165,061 $63,989 $101,073 $35,613,550
3 28 $165,061 $63,808 $101,254 $35,512,296
3 29 $165,061 $63,626 $101,435 $35,410,861
3 30 $165,061 $63,444 $101,617 $35,309,244
3 31 $165,061 $63,262 $101,799 $35,207,445
3 32 $165,061 $63,080 $101,981 $35,105,463
3 33 $165,061 $62,897 $102,164 $35,003,299
3 34 $165,061 $62,714 $102,347 $34,900,952
3 35 $165,061 $62,531 $102,531 $34,798,421
3 36 $165,061 $62,347 $102,714 $34,695,707
4 37 $165,061 $62,163 $102,898 $34,592,809
4 38 $165,061 $61,979 $103,083 $34,489,726
4 39 $165,061 $61,794 $103,267 $34,386,459
4 40 $165,061 $61,609 $103,452 $34,283,007
4 41 $165,061 $61,424 $103,638 $34,179,369
4 42 $165,061 $61,238 $103,823 $34,075,546
4 43 $165,061 $61,052 $104,009 $33,971,536
4 44 $165,061 $60,866 $104,196 $33,867,340
4 45 $165,061 $60,679 $104,382 $33,762,958
4 46 $165,061 $60,492 $104,569 $33,658,389
4 47 $165,061 $60,305 $104,757 $33,553,632
4 48 $165,061 $60,117 $104,944 $33,448,687
5 49 $165,061 $59,929 $105,133 $33,343,555
5 50 $165,061 $59,741 $105,321 $33,238,234
5 51 $165,061 $59,552 $105,510 $33,132,724
5 52 $165,061 $59,363 $105,699 $33,027,026
5 53 $165,061 $59,173 $105,888 $32,921,138
5 54 $165,061 $58,984 $106,078 $32,815,060
5 55 $165,061 $58,794 $106,268 $32,708,792
5 56 $165,061 $58,603 $106,458 $32,602,334
5 57 $165,061 $58,413 $106,649 $32,495,685
5 58 $165,061 $58,221 $106,840 $32,388,845
5 59 $165,061 $58,030 $107,031 $32,281,814
5 60 $165,061 $57,838 $107,223 $32,174,591
6 61 $165,061 $57,646 $107,415 $32,067,175
6 62 $165,061 $57,454 $107,608 $31,959,568
6 63 $165,061 $57,261 $107,801 $31,851,767
6 64 $165,061 $57,068 $107,994 $31,743,774
6 65 $165,061 $56,874 $108,187 $31,635,586
6 66 $165,061 $56,680 $108,381 $31,527,205
6 67 $165,061 $56,486 $108,575 $31,418,630
6 68 $165,061 $56,292 $108,770 $31,309,861
6 69 $165,061 $56,097 $108,965 $31,200,896
6 70 $165,061 $55,902 $109,160 $31,091,736
6 71 $165,061 $55,706 $109,355 $30,982,381
6 72 $165,061 $55,510 $109,551 $30,872,829
7 73 $165,061 $55,314 $109,748 $30,763,082
7 74 $165,061 $55,117 $109,944 $30,653,138
7 75 $165,061 $54,920 $110,141 $30,542,996
7 76 $165,061 $54,723 $110,339 $30,432,658
7 77 $165,061 $54,525 $110,536 $30,322,122
7 78 $165,061 $54,327 $110,734 $30,211,387
7 79 $165,061 $54,129 $110,933 $30,100,455
7 80 $165,061 $53,930 $111,131 $29,989,323
7 81 $165,061 $53,731 $111,331 $29,877,993
7 82 $165,061 $53,531 $111,530 $29,766,463
7 83 $165,061 $53,332 $111,730 $29,654,733
7 84 $165,061 $53,131 $111,930 $29,542,803
8 85 $165,061 $52,931 $112,131 $29,430,672
8 86 $165,061 $52,730 $112,331 $29,318,341
8 87 $165,061 $52,529 $112,533 $29,205,808
8 88 $165,061 $52,327 $112,734 $29,093,074
8 89 $165,061 $52,125 $112,936 $28,980,138
8 90 $165,061 $51,923 $113,139 $28,866,999
8 91 $165,061 $51,720 $113,341 $28,753,657
8 92 $165,061 $51,517 $113,544 $28,640,113
8 93 $165,061 $51,314 $113,748 $28,526,365
8 94 $165,061 $51,110 $113,952 $28,412,413
8 95 $165,061 $50,906 $114,156 $28,298,258
8 96 $165,061 $50,701 $114,360 $28,183,897
9 97 $165,061 $50,496 $114,565 $28,069,332
9 98 $165,061 $50,291 $114,771 $27,954,562
9 99 $165,061 $50,085 $114,976 $27,839,585
9 100 $165,061 $49,879 $115,182 $27,724,403
9 101 $165,061 $49,673 $115,389 $27,609,015
9 102 $165,061 $49,466 $115,595 $27,493,419
9 103 $165,061 $49,259 $115,802 $27,377,617
9 104 $165,061 $49,052 $116,010 $27,261,607
9 105 $165,061 $48,844 $116,218 $27,145,390
9 106 $165,061 $48,635 $116,426 $27,028,964
9 107 $165,061 $48,427 $116,635 $26,912,329
9 108 $165,061 $48,218 $116,843 $26,795,486
10 109 $165,061 $48,009 $117,053 $26,678,433
10 110 $165,061 $47,799 $117,263 $26,561,170
10 111 $165,061 $47,589 $117,473 $26,443,698
10 112 $165,061 $47,378 $117,683 $26,326,014
10 113 $165,061 $47,167 $117,894 $26,208,120
10 114 $165,061 $46,956 $118,105 $26,090,015
10 115 $165,061 $46,745 $118,317 $25,971,698
10 116 $165,061 $46,533 $118,529 $25,853,170
10 117 $165,061 $46,320 $118,741 $25,734,429
10 118 $165,061 $46,108 $118,954 $25,615,475
10 119 $165,061 $45,894 $119,167 $25,496,308
10 120 $165,061 $45,681 $119,381 $25,376,927
11 121 $165,061 $45,467 $119,594 $25,257,333
11 122 $165,061 $45,253 $119,809 $25,137,524
11 123 $165,061 $45,038 $120,023 $25,017,501
11 124 $165,061 $44,823 $120,238 $24,897,262
11 125 $165,061 $44,608 $120,454 $24,776,808
11 126 $165,061 $44,392 $120,670 $24,656,139
11 127 $165,061 $44,176 $120,886 $24,535,253
11 128 $165,061 $43,959 $121,102 $24,414,151
11 129 $165,061 $43,742 $121,319 $24,292,831
11 130 $165,061 $43,525 $121,537 $24,171,294
11 131 $165,061 $43,307 $121,755 $24,049,540
11 132 $165,061 $43,089 $121,973 $23,927,567
12 133 $165,061 $42,870 $122,191 $23,805,376
12 134 $165,061 $42,651 $122,410 $23,682,966
12 135 $165,061 $42,432 $122,629 $23,560,337
12 136 $165,061 $42,212 $122,849 $23,437,487
12 137 $165,061 $41,992 $123,069 $23,314,418
12 138 $165,061 $41,772 $123,290 $23,191,128
12 139 $165,061 $41,551 $123,511 $23,067,618
12 140 $165,061 $41,329 $123,732 $22,943,886
12 141 $165,061 $41,108 $123,954 $22,819,932
12 142 $165,061 $40,886 $124,176 $22,695,757
12 143 $165,061 $40,663 $124,398 $22,571,358
12 144 $165,061 $40,440 $124,621 $22,446,737
13 145 $165,061 $40,217 $124,844 $22,321,893
13 146 $165,061 $39,993 $125,068 $22,196,825
13 147 $165,061 $39,769 $125,292 $22,071,533
13 148 $165,061 $39,545 $125,517 $21,946,016
13 149 $165,061 $39,320 $125,741 $21,820,275
13 150 $165,061 $39,095 $125,967 $21,694,308
13 151 $165,061 $38,869 $126,192 $21,568,116
13 152 $165,061 $38,643 $126,419 $21,441,697
13 153 $165,061 $38,416 $126,645 $21,315,052
13 154 $165,061 $38,189 $126,872 $21,188,180
13 155 $165,061 $37,962 $127,099 $21,061,081
13 156 $165,061 $37,734 $127,327 $20,933,754
14 157 $165,061 $37,506 $127,555 $20,806,199
14 158 $165,061 $37,278 $127,784 $20,678,415
14 159 $165,061 $37,049 $128,013 $20,550,403
14 160 $165,061 $36,819 $128,242 $20,422,161
14 161 $165,061 $36,590 $128,472 $20,293,689
14 162 $165,061 $36,360 $128,702 $20,164,987
14 163 $165,061 $36,129 $128,932 $20,036,055
14 164 $165,061 $35,898 $129,163 $19,906,891
14 165 $165,061 $35,667 $129,395 $19,777,496
14 166 $165,061 $35,435 $129,627 $19,647,869
14 167 $165,061 $35,202 $129,859 $19,518,010
14 168 $165,061 $34,970 $130,092 $19,387,919
15 169 $165,061 $34,737 $130,325 $19,257,594
15 170 $165,061 $34,503 $130,558 $19,127,036
15 171 $165,061 $34,269 $130,792 $18,996,244
15 172 $165,061 $34,035 $131,026 $18,865,217
15 173 $165,061 $33,800 $131,261 $18,733,956
15 174 $165,061 $33,565 $131,496 $18,602,460
15 175 $165,061 $33,329 $131,732 $18,470,728
15 176 $165,061 $33,093 $131,968 $18,338,760
15 177 $165,061 $32,857 $132,204 $18,206,555
15 178 $165,061 $32,620 $132,441 $18,074,114
15 179 $165,061 $32,383 $132,679 $17,941,435
15 180 $165,061 $32,145 $132,916 $17,808,519
16 181 $165,061 $31,907 $133,154 $17,675,364
16 182 $165,061 $31,668 $133,393 $17,541,971
16 183 $165,061 $31,429 $133,632 $17,408,339
16 184 $165,061 $31,190 $133,871 $17,274,468
16 185 $165,061 $30,950 $134,111 $17,140,356
16 186 $165,061 $30,710 $134,352 $17,006,005
16 187 $165,061 $30,469 $134,592 $16,871,413
16 188 $165,061 $30,228 $134,833 $16,736,579
16 189 $165,061 $29,986 $135,075 $16,601,504
16 190 $165,061 $29,744 $135,317 $16,466,187
16 191 $165,061 $29,502 $135,559 $16,330,628
16 192 $165,061 $29,259 $135,802 $16,194,825
17 193 $165,061 $29,016 $136,046 $16,058,779
17 194 $165,061 $28,772 $136,289 $15,922,490
17 195 $165,061 $28,528 $136,534 $15,785,956
17 196 $165,061 $28,283 $136,778 $15,649,178
17 197 $165,061 $28,038 $137,023 $15,512,155
17 198 $165,061 $27,793 $137,269 $15,374,886
17 199 $165,061 $27,547 $137,515 $15,237,371
17 200 $165,061 $27,300 $137,761 $15,099,610
17 201 $165,061 $27,053 $138,008 $14,961,602
17 202 $165,061 $26,806 $138,255 $14,823,347
17 203 $165,061 $26,558 $138,503 $14,684,844
17 204 $165,061 $26,310 $138,751 $14,546,093
18 205 $165,061 $26,062 $139,000 $14,407,093
18 206 $165,061 $25,813 $139,249 $14,267,845
18 207 $165,061 $25,563 $139,498 $14,128,347
18 208 $165,061 $25,313 $139,748 $13,988,598
18 209 $165,061 $25,063 $139,999 $13,848,600
18 210 $165,061 $24,812 $140,249 $13,708,351
18 211 $165,061 $24,561 $140,501 $13,567,850
18 212 $165,061 $24,309 $140,752 $13,427,098
18 213 $165,061 $24,057 $141,005 $13,286,093
18 214 $165,061 $23,804 $141,257 $13,144,836
18 215 $165,061 $23,551 $141,510 $13,003,326
18 216 $165,061 $23,298 $141,764 $12,861,562
19 217 $165,061 $23,044 $142,018 $12,719,544
19 218 $165,061 $22,789 $142,272 $12,577,272
19 219 $165,061 $22,534 $142,527 $12,434,745
19 220 $165,061 $22,279 $142,782 $12,291,962
19 221 $165,061 $22,023 $143,038 $12,148,924
19 222 $165,061 $21,767 $143,295 $12,005,629
19 223 $165,061 $21,510 $143,551 $11,862,078
19 224 $165,061 $21,253 $143,809 $11,718,270
19 225 $165,061 $20,995 $144,066 $11,574,203
19 226 $165,061 $20,737 $144,324 $11,429,879
19 227 $165,061 $20,479 $144,583 $11,285,296
19 228 $165,061 $20,219 $144,842 $11,140,454
20 229 $165,061 $19,960 $145,101 $10,995,353
20 230 $165,061 $19,700 $145,361 $10,849,991
20 231 $165,061 $19,440 $145,622 $10,704,370
20 232 $165,061 $19,179 $145,883 $10,558,487
20 233 $165,061 $18,917 $146,144 $10,412,343
20 234 $165,061 $18,655 $146,406 $10,265,937
20 235 $165,061 $18,393 $146,668 $10,119,268
20 236 $165,061 $18,130 $146,931 $9,972,337
20 237 $165,061 $17,867 $147,194 $9,825,143
20 238 $165,061 $17,603 $147,458 $9,677,685
20 239 $165,061 $17,339 $147,722 $9,529,963
20 240 $165,061 $17,075 $147,987 $9,381,976
21 241 $165,061 $16,809 $148,252 $9,233,724
21 242 $165,061 $16,544 $148,518 $9,085,206
21 243 $165,061 $16,278 $148,784 $8,936,423
21 244 $165,061 $16,011 $149,050 $8,787,372
21 245 $165,061 $15,744 $149,317 $8,638,055
21 246 $165,061 $15,477 $149,585 $8,488,470
21 247 $165,061 $15,209 $149,853 $8,338,617
21 248 $165,061 $14,940 $150,121 $8,188,496
21 249 $165,061 $14,671 $150,390 $8,038,105
21 250 $165,061 $14,402 $150,660 $7,887,446
21 251 $165,061 $14,132 $150,930 $7,736,516
21 252 $165,061 $13,861 $151,200 $7,585,316
22 253 $165,061 $13,590 $151,471 $7,433,845
22 254 $165,061 $13,319 $151,742 $7,282,102
22 255 $165,061 $13,047 $152,014 $7,130,088
22 256 $165,061 $12,775 $152,287 $6,977,801
22 257 $165,061 $12,502 $152,560 $6,825,242
22 258 $165,061 $12,229 $152,833 $6,672,409
22 259 $165,061 $11,955 $153,107 $6,519,302
22 260 $165,061 $11,680 $153,381 $6,365,921
22 261 $165,061 $11,406 $153,656 $6,212,265
22 262 $165,061 $11,130 $153,931 $6,058,334
22 263 $165,061 $10,855 $154,207 $5,904,127
22 264 $165,061 $10,578 $154,483 $5,749,644
23 265 $165,061 $10,301 $154,760 $5,594,884
23 266 $165,061 $10,024 $155,037 $5,439,847
23 267 $165,061 $9,746 $155,315 $5,284,532
23 268 $165,061 $9,468 $155,593 $5,128,939
23 269 $165,061 $9,189 $155,872 $4,973,067
23 270 $165,061 $8,910 $156,151 $4,816,915
23 271 $165,061 $8,630 $156,431 $4,660,484
23 272 $165,061 $8,350 $156,711 $4,503,773
23 273 $165,061 $8,069 $156,992 $4,346,781
23 274 $165,061 $7,788 $157,273 $4,189,507
23 275 $165,061 $7,506 $157,555 $4,031,952
23 276 $165,061 $7,224 $157,837 $3,874,114
24 277 $165,061 $6,941 $158,120 $3,715,994
24 278 $165,061 $6,658 $158,404 $3,557,591
24 279 $165,061 $6,374 $158,687 $3,398,903
24 280 $165,061 $6,090 $158,972 $3,239,931
24 281 $165,061 $5,805 $159,257 $3,080,675
24 282 $165,061 $5,520 $159,542 $2,921,133
24 283 $165,061 $5,234 $159,828 $2,761,305
24 284 $165,061 $4,947 $160,114 $2,601,191
24 285 $165,061 $4,660 $160,401 $2,440,790
24 286 $165,061 $4,373 $160,688 $2,280,102
24 287 $165,061 $4,085 $160,976 $2,119,126
24 288 $165,061 $3,797 $161,265 $1,957,861
25 289 $165,061 $3,508 $161,554 $1,796,308
25 290 $165,061 $3,218 $161,843 $1,634,465
25 291 $165,061 $2,928 $162,133 $1,472,332
25 292 $165,061 $2,638 $162,423 $1,309,908
25 293 $165,061 $2,347 $162,714 $1,147,194
25 294 $165,061 $2,055 $163,006 $984,188
25 295 $165,061 $1,763 $163,298 $820,890
25 296 $165,061 $1,471 $163,591 $657,299
25 297 $165,061 $1,178 $163,884 $493,415
25 298 $165,061 $884 $164,177 $329,238
25 299 $165,061 $590 $164,472 $164,766
25 300 $165,061 $295 $164,766 $0