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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$ 12,272,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 12,578,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$12,272,000
 
Monthly Repayment (HKD)
$79,374
Loan Amount (HKD)
$18,408,000
+
Total Interest (HKD)
$5,404,307
=
Total Repayment (HKD)
$23,812,307
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $79,374 $32,981 $46,393 $18,361,607
1 2 $79,374 $32,898 $46,476 $18,315,130
1 3 $79,374 $32,815 $46,560 $18,268,570
1 4 $79,374 $32,731 $46,643 $18,221,927
1 5 $79,374 $32,648 $46,727 $18,175,201
1 6 $79,374 $32,564 $46,810 $18,128,390
1 7 $79,374 $32,480 $46,894 $18,081,496
1 8 $79,374 $32,396 $46,978 $18,034,517
1 9 $79,374 $32,312 $47,063 $17,987,455
1 10 $79,374 $32,228 $47,147 $17,940,308
1 11 $79,374 $32,143 $47,231 $17,893,077
1 12 $79,374 $32,058 $47,316 $17,845,761
2 13 $79,374 $31,974 $47,401 $17,798,360
2 14 $79,374 $31,889 $47,486 $17,750,874
2 15 $79,374 $31,804 $47,571 $17,703,304
2 16 $79,374 $31,718 $47,656 $17,655,648
2 17 $79,374 $31,633 $47,741 $17,607,906
2 18 $79,374 $31,547 $47,827 $17,560,080
2 19 $79,374 $31,462 $47,913 $17,512,167
2 20 $79,374 $31,376 $47,998 $17,464,169
2 21 $79,374 $31,290 $48,084 $17,416,084
2 22 $79,374 $31,204 $48,171 $17,367,914
2 23 $79,374 $31,118 $48,257 $17,319,657
2 24 $79,374 $31,031 $48,343 $17,271,314
3 25 $79,374 $30,944 $48,430 $17,222,884
3 26 $79,374 $30,858 $48,517 $17,174,367
3 27 $79,374 $30,771 $48,604 $17,125,763
3 28 $79,374 $30,684 $48,691 $17,077,073
3 29 $79,374 $30,596 $48,778 $17,028,295
3 30 $79,374 $30,509 $48,865 $16,979,429
3 31 $79,374 $30,421 $48,953 $16,930,477
3 32 $79,374 $30,334 $49,041 $16,881,436
3 33 $79,374 $30,246 $49,128 $16,832,307
3 34 $79,374 $30,158 $49,216 $16,783,091
3 35 $79,374 $30,070 $49,305 $16,733,786
3 36 $79,374 $29,981 $49,393 $16,684,393
4 37 $79,374 $29,893 $49,481 $16,634,912
4 38 $79,374 $29,804 $49,570 $16,585,342
4 39 $79,374 $29,715 $49,659 $16,535,683
4 40 $79,374 $29,626 $49,748 $16,485,935
4 41 $79,374 $29,537 $49,837 $16,436,098
4 42 $79,374 $29,448 $49,926 $16,386,171
4 43 $79,374 $29,359 $50,016 $16,336,156
4 44 $79,374 $29,269 $50,105 $16,286,050
4 45 $79,374 $29,179 $50,195 $16,235,855
4 46 $79,374 $29,089 $50,285 $16,185,570
4 47 $79,374 $28,999 $50,375 $16,135,195
4 48 $79,374 $28,909 $50,465 $16,084,729
5 49 $79,374 $28,818 $50,556 $16,034,173
5 50 $79,374 $28,728 $50,646 $15,983,527
5 51 $79,374 $28,637 $50,737 $15,932,790
5 52 $79,374 $28,546 $50,828 $15,881,962
5 53 $79,374 $28,455 $50,919 $15,831,042
5 54 $79,374 $28,364 $51,010 $15,780,032
5 55 $79,374 $28,273 $51,102 $15,728,930
5 56 $79,374 $28,181 $51,193 $15,677,737
5 57 $79,374 $28,089 $51,285 $15,626,452
5 58 $79,374 $27,997 $51,377 $15,575,075
5 59 $79,374 $27,905 $51,469 $15,523,606
5 60 $79,374 $27,813 $51,561 $15,472,045
6 61 $79,374 $27,721 $51,654 $15,420,391
6 62 $79,374 $27,628 $51,746 $15,368,645
6 63 $79,374 $27,535 $51,839 $15,316,806
6 64 $79,374 $27,443 $51,932 $15,264,874
6 65 $79,374 $27,350 $52,025 $15,212,849
6 66 $79,374 $27,256 $52,118 $15,160,731
6 67 $79,374 $27,163 $52,211 $15,108,520
6 68 $79,374 $27,069 $52,305 $15,056,215
6 69 $79,374 $26,976 $52,399 $15,003,816
6 70 $79,374 $26,882 $52,493 $14,951,324
6 71 $79,374 $26,788 $52,587 $14,898,737
6 72 $79,374 $26,694 $52,681 $14,846,057
7 73 $79,374 $26,599 $52,775 $14,793,281
7 74 $79,374 $26,505 $52,870 $14,740,412
7 75 $79,374 $26,410 $52,964 $14,687,447
7 76 $79,374 $26,315 $53,059 $14,634,388
7 77 $79,374 $26,220 $53,154 $14,581,233
7 78 $79,374 $26,125 $53,250 $14,527,984
7 79 $79,374 $26,029 $53,345 $14,474,639
7 80 $79,374 $25,934 $53,441 $14,421,198
7 81 $79,374 $25,838 $53,536 $14,367,662
7 82 $79,374 $25,742 $53,632 $14,314,029
7 83 $79,374 $25,646 $53,728 $14,260,301
7 84 $79,374 $25,550 $53,825 $14,206,476
8 85 $79,374 $25,453 $53,921 $14,152,555
8 86 $79,374 $25,357 $54,018 $14,098,538
8 87 $79,374 $25,260 $54,114 $14,044,423
8 88 $79,374 $25,163 $54,211 $13,990,212
8 89 $79,374 $25,066 $54,309 $13,935,903
8 90 $79,374 $24,968 $54,406 $13,881,497
8 91 $79,374 $24,871 $54,503 $13,826,994
8 92 $79,374 $24,773 $54,601 $13,772,393
8 93 $79,374 $24,676 $54,699 $13,717,694
8 94 $79,374 $24,578 $54,797 $13,662,897
8 95 $79,374 $24,479 $54,895 $13,608,002
8 96 $79,374 $24,381 $54,993 $13,553,009
9 97 $79,374 $24,282 $55,092 $13,497,917
9 98 $79,374 $24,184 $55,191 $13,442,726
9 99 $79,374 $24,085 $55,289 $13,387,437
9 100 $79,374 $23,986 $55,389 $13,332,048
9 101 $79,374 $23,887 $55,488 $13,276,561
9 102 $79,374 $23,787 $55,587 $13,220,973
9 103 $79,374 $23,688 $55,687 $13,165,287
9 104 $79,374 $23,588 $55,787 $13,109,500
9 105 $79,374 $23,488 $55,887 $13,053,614
9 106 $79,374 $23,388 $55,987 $12,997,627
9 107 $79,374 $23,287 $56,087 $12,941,540
9 108 $79,374 $23,187 $56,187 $12,885,353
10 109 $79,374 $23,086 $56,288 $12,829,065
10 110 $79,374 $22,985 $56,389 $12,772,676
10 111 $79,374 $22,884 $56,490 $12,716,186
10 112 $79,374 $22,783 $56,591 $12,659,594
10 113 $79,374 $22,682 $56,693 $12,602,902
10 114 $79,374 $22,580 $56,794 $12,546,108
10 115 $79,374 $22,478 $56,896 $12,489,212
10 116 $79,374 $22,377 $56,998 $12,432,214
10 117 $79,374 $22,274 $57,100 $12,375,114
10 118 $79,374 $22,172 $57,202 $12,317,912
10 119 $79,374 $22,070 $57,305 $12,260,607
10 120 $79,374 $21,967 $57,407 $12,203,199
11 121 $79,374 $21,864 $57,510 $12,145,689
11 122 $79,374 $21,761 $57,613 $12,088,076
11 123 $79,374 $21,658 $57,717 $12,030,359
11 124 $79,374 $21,554 $57,820 $11,972,539
11 125 $79,374 $21,451 $57,924 $11,914,616
11 126 $79,374 $21,347 $58,027 $11,856,588
11 127 $79,374 $21,243 $58,131 $11,798,457
11 128 $79,374 $21,139 $58,235 $11,740,222
11 129 $79,374 $21,035 $58,340 $11,681,882
11 130 $79,374 $20,930 $58,444 $11,623,438
11 131 $79,374 $20,825 $58,549 $11,564,888
11 132 $79,374 $20,720 $58,654 $11,506,235
12 133 $79,374 $20,615 $58,759 $11,447,476
12 134 $79,374 $20,510 $58,864 $11,388,611
12 135 $79,374 $20,405 $58,970 $11,329,641
12 136 $79,374 $20,299 $59,075 $11,270,566
12 137 $79,374 $20,193 $59,181 $11,211,385
12 138 $79,374 $20,087 $59,287 $11,152,097
12 139 $79,374 $19,981 $59,394 $11,092,704
12 140 $79,374 $19,874 $59,500 $11,033,204
12 141 $79,374 $19,768 $59,607 $10,973,598
12 142 $79,374 $19,661 $59,713 $10,913,884
12 143 $79,374 $19,554 $59,820 $10,854,064
12 144 $79,374 $19,447 $59,927 $10,794,136
13 145 $79,374 $19,339 $60,035 $10,734,102
13 146 $79,374 $19,232 $60,142 $10,673,959
13 147 $79,374 $19,124 $60,250 $10,613,709
13 148 $79,374 $19,016 $60,358 $10,553,351
13 149 $79,374 $18,908 $60,466 $10,492,884
13 150 $79,374 $18,800 $60,575 $10,432,310
13 151 $79,374 $18,691 $60,683 $10,371,627
13 152 $79,374 $18,582 $60,792 $10,310,835
13 153 $79,374 $18,474 $60,901 $10,249,934
13 154 $79,374 $18,364 $61,010 $10,188,924
13 155 $79,374 $18,255 $61,119 $10,127,805
13 156 $79,374 $18,146 $61,229 $10,066,576
14 157 $79,374 $18,036 $61,338 $10,005,238
14 158 $79,374 $17,926 $61,448 $9,943,790
14 159 $79,374 $17,816 $61,558 $9,882,231
14 160 $79,374 $17,706 $61,669 $9,820,563
14 161 $79,374 $17,595 $61,779 $9,758,783
14 162 $79,374 $17,484 $61,890 $9,696,893
14 163 $79,374 $17,374 $62,001 $9,634,893
14 164 $79,374 $17,263 $62,112 $9,572,781
14 165 $79,374 $17,151 $62,223 $9,510,558
14 166 $79,374 $17,040 $62,335 $9,448,223
14 167 $79,374 $16,928 $62,446 $9,385,777
14 168 $79,374 $16,816 $62,558 $9,323,219
15 169 $79,374 $16,704 $62,670 $9,260,548
15 170 $79,374 $16,592 $62,783 $9,197,766
15 171 $79,374 $16,479 $62,895 $9,134,871
15 172 $79,374 $16,367 $63,008 $9,071,863
15 173 $79,374 $16,254 $63,121 $9,008,742
15 174 $79,374 $16,141 $63,234 $8,945,509
15 175 $79,374 $16,027 $63,347 $8,882,162
15 176 $79,374 $15,914 $63,460 $8,818,701
15 177 $79,374 $15,800 $63,574 $8,755,127
15 178 $79,374 $15,686 $63,688 $8,691,439
15 179 $79,374 $15,572 $63,802 $8,627,637
15 180 $79,374 $15,458 $63,917 $8,563,720
16 181 $79,374 $15,343 $64,031 $8,499,689
16 182 $79,374 $15,229 $64,146 $8,435,544
16 183 $79,374 $15,114 $64,261 $8,371,283
16 184 $79,374 $14,999 $64,376 $8,306,907
16 185 $79,374 $14,883 $64,491 $8,242,416
16 186 $79,374 $14,768 $64,607 $8,177,809
16 187 $79,374 $14,652 $64,722 $8,113,087
16 188 $79,374 $14,536 $64,838 $8,048,248
16 189 $79,374 $14,420 $64,955 $7,983,294
16 190 $79,374 $14,303 $65,071 $7,918,223
16 191 $79,374 $14,187 $65,188 $7,853,035
16 192 $79,374 $14,070 $65,304 $7,787,731
17 193 $79,374 $13,953 $65,421 $7,722,310
17 194 $79,374 $13,836 $65,539 $7,656,771
17 195 $79,374 $13,718 $65,656 $7,591,115
17 196 $79,374 $13,601 $65,774 $7,525,341
17 197 $79,374 $13,483 $65,891 $7,459,450
17 198 $79,374 $13,365 $66,010 $7,393,441
17 199 $79,374 $13,247 $66,128 $7,327,313
17 200 $79,374 $13,128 $66,246 $7,261,066
17 201 $79,374 $13,009 $66,365 $7,194,702
17 202 $79,374 $12,891 $66,484 $7,128,218
17 203 $79,374 $12,771 $66,603 $7,061,615
17 204 $79,374 $12,652 $66,722 $6,994,892
18 205 $79,374 $12,533 $66,842 $6,928,051
18 206 $79,374 $12,413 $66,962 $6,861,089
18 207 $79,374 $12,293 $67,082 $6,794,007
18 208 $79,374 $12,173 $67,202 $6,726,806
18 209 $79,374 $12,052 $67,322 $6,659,483
18 210 $79,374 $11,932 $67,443 $6,592,041
18 211 $79,374 $11,811 $67,564 $6,524,477
18 212 $79,374 $11,690 $67,685 $6,456,792
18 213 $79,374 $11,568 $67,806 $6,388,986
18 214 $79,374 $11,447 $67,927 $6,321,059
18 215 $79,374 $11,325 $68,049 $6,253,010
18 216 $79,374 $11,203 $68,171 $6,184,839
19 217 $79,374 $11,081 $68,293 $6,116,546
19 218 $79,374 $10,959 $68,416 $6,048,130
19 219 $79,374 $10,836 $68,538 $5,979,592
19 220 $79,374 $10,713 $68,661 $5,910,931
19 221 $79,374 $10,590 $68,784 $5,842,147
19 222 $79,374 $10,467 $68,907 $5,773,240
19 223 $79,374 $10,344 $69,031 $5,704,209
19 224 $79,374 $10,220 $69,154 $5,635,055
19 225 $79,374 $10,096 $69,278 $5,565,777
19 226 $79,374 $9,972 $69,402 $5,496,374
19 227 $79,374 $9,848 $69,527 $5,426,848
19 228 $79,374 $9,723 $69,651 $5,357,197
20 229 $79,374 $9,598 $69,776 $5,287,420
20 230 $79,374 $9,473 $69,901 $5,217,519
20 231 $79,374 $9,348 $70,026 $5,147,493
20 232 $79,374 $9,223 $70,152 $5,077,341
20 233 $79,374 $9,097 $70,277 $5,007,064
20 234 $79,374 $8,971 $70,403 $4,936,661
20 235 $79,374 $8,845 $70,530 $4,866,131
20 236 $79,374 $8,718 $70,656 $4,795,475
20 237 $79,374 $8,592 $70,782 $4,724,693
20 238 $79,374 $8,465 $70,909 $4,653,783
20 239 $79,374 $8,338 $71,036 $4,582,747
20 240 $79,374 $8,211 $71,164 $4,511,583
21 241 $79,374 $8,083 $71,291 $4,440,292
21 242 $79,374 $7,956 $71,419 $4,368,874
21 243 $79,374 $7,828 $71,547 $4,297,327
21 244 $79,374 $7,699 $71,675 $4,225,652
21 245 $79,374 $7,571 $71,803 $4,153,848
21 246 $79,374 $7,442 $71,932 $4,081,916
21 247 $79,374 $7,313 $72,061 $4,009,855
21 248 $79,374 $7,184 $72,190 $3,937,665
21 249 $79,374 $7,055 $72,319 $3,865,346
21 250 $79,374 $6,925 $72,449 $3,792,897
21 251 $79,374 $6,796 $72,579 $3,720,318
21 252 $79,374 $6,666 $72,709 $3,647,609
22 253 $79,374 $6,535 $72,839 $3,574,770
22 254 $79,374 $6,405 $72,970 $3,501,801
22 255 $79,374 $6,274 $73,100 $3,428,701
22 256 $79,374 $6,143 $73,231 $3,355,469
22 257 $79,374 $6,012 $73,362 $3,282,107
22 258 $79,374 $5,880 $73,494 $3,208,613
22 259 $79,374 $5,749 $73,626 $3,134,987
22 260 $79,374 $5,617 $73,758 $3,061,230
22 261 $79,374 $5,485 $73,890 $2,987,340
22 262 $79,374 $5,352 $74,022 $2,913,318
22 263 $79,374 $5,220 $74,155 $2,839,163
22 264 $79,374 $5,087 $74,288 $2,764,876
23 265 $79,374 $4,954 $74,421 $2,690,455
23 266 $79,374 $4,820 $74,554 $2,615,901
23 267 $79,374 $4,687 $74,688 $2,541,214
23 268 $79,374 $4,553 $74,821 $2,466,392
23 269 $79,374 $4,419 $74,955 $2,391,437
23 270 $79,374 $4,285 $75,090 $2,316,347
23 271 $79,374 $4,150 $75,224 $2,241,123
23 272 $79,374 $4,015 $75,359 $2,165,764
23 273 $79,374 $3,880 $75,494 $2,090,270
23 274 $79,374 $3,745 $75,629 $2,014,641
23 275 $79,374 $3,610 $75,765 $1,938,876
23 276 $79,374 $3,474 $75,901 $1,862,975
24 277 $79,374 $3,338 $76,037 $1,786,939
24 278 $79,374 $3,202 $76,173 $1,710,766
24 279 $79,374 $3,065 $76,309 $1,634,457
24 280 $79,374 $2,928 $76,446 $1,558,011
24 281 $79,374 $2,791 $76,583 $1,481,428
24 282 $79,374 $2,654 $76,720 $1,404,708
24 283 $79,374 $2,517 $76,858 $1,327,850
24 284 $79,374 $2,379 $76,995 $1,250,855
24 285 $79,374 $2,241 $77,133 $1,173,722
24 286 $79,374 $2,103 $77,271 $1,096,450
24 287 $79,374 $1,964 $77,410 $1,019,040
24 288 $79,374 $1,826 $77,549 $941,492
25 289 $79,374 $1,687 $77,688 $863,804
25 290 $79,374 $1,548 $77,827 $785,978
25 291 $79,374 $1,408 $77,966 $708,011
25 292 $79,374 $1,269 $78,106 $629,906
25 293 $79,374 $1,129 $78,246 $551,660
25 294 $79,374 $988 $78,386 $473,274
25 295 $79,374 $848 $78,526 $394,747
25 296 $79,374 $707 $78,667 $316,080
25 297 $79,374 $566 $78,808 $237,272
25 298 $79,374 $425 $78,949 $158,323
25 299 $79,374 $284 $79,091 $79,232
25 300 $79,374 $142 $79,232 $0