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$ 16,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 17,138,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$16,720,000
 
Monthly Repayment (HKD)
$108,144
Loan Amount (HKD)
$25,080,000
+
Total Interest (HKD)
$7,363,105
=
Total Repayment (HKD)
$32,443,105
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $108,144 $44,935 $63,209 $25,016,791
1 2 $108,144 $44,822 $63,322 $24,953,469
1 3 $108,144 $44,708 $63,435 $24,890,034
1 4 $108,144 $44,595 $63,549 $24,826,485
1 5 $108,144 $44,481 $63,663 $24,762,822
1 6 $108,144 $44,367 $63,777 $24,699,045
1 7 $108,144 $44,252 $63,891 $24,635,154
1 8 $108,144 $44,138 $64,006 $24,571,148
1 9 $108,144 $44,023 $64,120 $24,507,028
1 10 $108,144 $43,908 $64,235 $24,442,793
1 11 $108,144 $43,793 $64,350 $24,378,442
1 12 $108,144 $43,678 $64,466 $24,313,977
2 13 $108,144 $43,563 $64,581 $24,249,395
2 14 $108,144 $43,447 $64,697 $24,184,699
2 15 $108,144 $43,331 $64,813 $24,119,886
2 16 $108,144 $43,215 $64,929 $24,054,957
2 17 $108,144 $43,098 $65,045 $23,989,912
2 18 $108,144 $42,982 $65,162 $23,924,750
2 19 $108,144 $42,865 $65,279 $23,859,471
2 20 $108,144 $42,748 $65,395 $23,794,076
2 21 $108,144 $42,631 $65,513 $23,728,563
2 22 $108,144 $42,514 $65,630 $23,662,933
2 23 $108,144 $42,396 $65,748 $23,597,186
2 24 $108,144 $42,278 $65,865 $23,531,320
3 25 $108,144 $42,160 $65,983 $23,465,337
3 26 $108,144 $42,042 $66,102 $23,399,235
3 27 $108,144 $41,924 $66,220 $23,333,015
3 28 $108,144 $41,805 $66,339 $23,266,677
3 29 $108,144 $41,686 $66,458 $23,200,219
3 30 $108,144 $41,567 $66,577 $23,133,642
3 31 $108,144 $41,448 $66,696 $23,066,947
3 32 $108,144 $41,328 $66,815 $23,000,131
3 33 $108,144 $41,209 $66,935 $22,933,196
3 34 $108,144 $41,089 $67,055 $22,866,141
3 35 $108,144 $40,969 $67,175 $22,798,966
3 36 $108,144 $40,848 $67,296 $22,731,670
4 37 $108,144 $40,728 $67,416 $22,664,254
4 38 $108,144 $40,607 $67,537 $22,596,717
4 39 $108,144 $40,486 $67,658 $22,529,059
4 40 $108,144 $40,365 $67,779 $22,461,280
4 41 $108,144 $40,243 $67,901 $22,393,380
4 42 $108,144 $40,121 $68,022 $22,325,357
4 43 $108,144 $40,000 $68,144 $22,257,213
4 44 $108,144 $39,878 $68,266 $22,188,947
4 45 $108,144 $39,755 $68,388 $22,120,559
4 46 $108,144 $39,633 $68,511 $22,052,048
4 47 $108,144 $39,510 $68,634 $21,983,414
4 48 $108,144 $39,387 $68,757 $21,914,657
5 49 $108,144 $39,264 $68,880 $21,845,777
5 50 $108,144 $39,140 $69,003 $21,776,774
5 51 $108,144 $39,017 $69,127 $21,707,647
5 52 $108,144 $38,893 $69,251 $21,638,396
5 53 $108,144 $38,769 $69,375 $21,569,021
5 54 $108,144 $38,644 $69,499 $21,499,522
5 55 $108,144 $38,520 $69,624 $21,429,898
5 56 $108,144 $38,395 $69,748 $21,360,150
5 57 $108,144 $38,270 $69,873 $21,290,277
5 58 $108,144 $38,145 $69,999 $21,220,278
5 59 $108,144 $38,020 $70,124 $21,150,154
5 60 $108,144 $37,894 $70,250 $21,079,904
6 61 $108,144 $37,768 $70,376 $21,009,529
6 62 $108,144 $37,642 $70,502 $20,939,027
6 63 $108,144 $37,516 $70,628 $20,868,399
6 64 $108,144 $37,389 $70,754 $20,797,645
6 65 $108,144 $37,262 $70,881 $20,726,763
6 66 $108,144 $37,135 $71,008 $20,655,755
6 67 $108,144 $37,008 $71,135 $20,584,620
6 68 $108,144 $36,881 $71,263 $20,513,357
6 69 $108,144 $36,753 $71,391 $20,441,966
6 70 $108,144 $36,625 $71,518 $20,370,448
6 71 $108,144 $36,497 $71,647 $20,298,801
6 72 $108,144 $36,369 $71,775 $20,227,026
7 73 $108,144 $36,240 $71,904 $20,155,123
7 74 $108,144 $36,111 $72,032 $20,083,090
7 75 $108,144 $35,982 $72,161 $20,010,929
7 76 $108,144 $35,853 $72,291 $19,938,638
7 77 $108,144 $35,723 $72,420 $19,866,218
7 78 $108,144 $35,594 $72,550 $19,793,668
7 79 $108,144 $35,464 $72,680 $19,720,988
7 80 $108,144 $35,333 $72,810 $19,648,177
7 81 $108,144 $35,203 $72,941 $19,575,237
7 82 $108,144 $35,072 $73,071 $19,502,165
7 83 $108,144 $34,941 $73,202 $19,428,963
7 84 $108,144 $34,810 $73,333 $19,355,629
8 85 $108,144 $34,679 $73,465 $19,282,165
8 86 $108,144 $34,547 $73,596 $19,208,568
8 87 $108,144 $34,415 $73,728 $19,134,840
8 88 $108,144 $34,283 $73,860 $19,060,979
8 89 $108,144 $34,151 $73,993 $18,986,987
8 90 $108,144 $34,018 $74,125 $18,912,861
8 91 $108,144 $33,886 $74,258 $18,838,603
8 92 $108,144 $33,752 $74,391 $18,764,212
8 93 $108,144 $33,619 $74,524 $18,689,688
8 94 $108,144 $33,486 $74,658 $18,615,030
8 95 $108,144 $33,352 $74,792 $18,540,238
8 96 $108,144 $33,218 $74,926 $18,465,312
9 97 $108,144 $33,084 $75,060 $18,390,252
9 98 $108,144 $32,949 $75,194 $18,315,058
9 99 $108,144 $32,814 $75,329 $18,239,728
9 100 $108,144 $32,680 $75,464 $18,164,264
9 101 $108,144 $32,544 $75,599 $18,088,665
9 102 $108,144 $32,409 $75,735 $18,012,930
9 103 $108,144 $32,273 $75,871 $17,937,059
9 104 $108,144 $32,137 $76,006 $17,861,053
9 105 $108,144 $32,001 $76,143 $17,784,910
9 106 $108,144 $31,865 $76,279 $17,708,631
9 107 $108,144 $31,728 $76,416 $17,632,216
9 108 $108,144 $31,591 $76,553 $17,555,663
10 109 $108,144 $31,454 $76,690 $17,478,973
10 110 $108,144 $31,316 $76,827 $17,402,146
10 111 $108,144 $31,179 $76,965 $17,325,181
10 112 $108,144 $31,041 $77,103 $17,248,078
10 113 $108,144 $30,903 $77,241 $17,170,838
10 114 $108,144 $30,764 $77,379 $17,093,458
10 115 $108,144 $30,626 $77,518 $17,015,940
10 116 $108,144 $30,487 $77,657 $16,938,284
10 117 $108,144 $30,348 $77,796 $16,860,488
10 118 $108,144 $30,208 $77,935 $16,782,552
10 119 $108,144 $30,069 $78,075 $16,704,477
10 120 $108,144 $29,929 $78,215 $16,626,263
11 121 $108,144 $29,789 $78,355 $16,547,908
11 122 $108,144 $29,648 $78,495 $16,469,412
11 123 $108,144 $29,508 $78,636 $16,390,776
11 124 $108,144 $29,367 $78,777 $16,311,999
11 125 $108,144 $29,226 $78,918 $16,233,081
11 126 $108,144 $29,084 $79,059 $16,154,022
11 127 $108,144 $28,943 $79,201 $16,074,821
11 128 $108,144 $28,801 $79,343 $15,995,478
11 129 $108,144 $28,659 $79,485 $15,915,993
11 130 $108,144 $28,516 $79,628 $15,836,365
11 131 $108,144 $28,373 $79,770 $15,756,595
11 132 $108,144 $28,231 $79,913 $15,676,682
12 133 $108,144 $28,087 $80,056 $15,596,626
12 134 $108,144 $27,944 $80,200 $15,516,426
12 135 $108,144 $27,800 $80,343 $15,436,083
12 136 $108,144 $27,656 $80,487 $15,355,595
12 137 $108,144 $27,512 $80,632 $15,274,964
12 138 $108,144 $27,368 $80,776 $15,194,188
12 139 $108,144 $27,223 $80,921 $15,113,267
12 140 $108,144 $27,078 $81,066 $15,032,201
12 141 $108,144 $26,933 $81,211 $14,950,990
12 142 $108,144 $26,787 $81,356 $14,869,634
12 143 $108,144 $26,641 $81,502 $14,788,131
12 144 $108,144 $26,495 $81,648 $14,706,483
13 145 $108,144 $26,349 $81,795 $14,624,688
13 146 $108,144 $26,203 $81,941 $14,542,747
13 147 $108,144 $26,056 $82,088 $14,460,659
13 148 $108,144 $25,909 $82,235 $14,378,424
13 149 $108,144 $25,761 $82,382 $14,296,042
13 150 $108,144 $25,614 $82,530 $14,213,512
13 151 $108,144 $25,466 $82,678 $14,130,834
13 152 $108,144 $25,318 $82,826 $14,048,008
13 153 $108,144 $25,169 $82,974 $13,965,034
13 154 $108,144 $25,021 $83,123 $13,881,911
13 155 $108,144 $24,872 $83,272 $13,798,639
13 156 $108,144 $24,723 $83,421 $13,715,218
14 157 $108,144 $24,573 $83,571 $13,631,647
14 158 $108,144 $24,423 $83,720 $13,547,927
14 159 $108,144 $24,273 $83,870 $13,464,057
14 160 $108,144 $24,123 $84,021 $13,380,036
14 161 $108,144 $23,973 $84,171 $13,295,865
14 162 $108,144 $23,822 $84,322 $13,211,543
14 163 $108,144 $23,671 $84,473 $13,127,070
14 164 $108,144 $23,519 $84,624 $13,042,446
14 165 $108,144 $23,368 $84,776 $12,957,670
14 166 $108,144 $23,216 $84,928 $12,872,742
14 167 $108,144 $23,064 $85,080 $12,787,662
14 168 $108,144 $22,911 $85,232 $12,702,430
15 169 $108,144 $22,759 $85,385 $12,617,044
15 170 $108,144 $22,606 $85,538 $12,531,506
15 171 $108,144 $22,452 $85,691 $12,445,815
15 172 $108,144 $22,299 $85,845 $12,359,970
15 173 $108,144 $22,145 $85,999 $12,273,971
15 174 $108,144 $21,991 $86,153 $12,187,818
15 175 $108,144 $21,837 $86,307 $12,101,511
15 176 $108,144 $21,682 $86,462 $12,015,049
15 177 $108,144 $21,527 $86,617 $11,928,433
15 178 $108,144 $21,372 $86,772 $11,841,661
15 179 $108,144 $21,216 $86,927 $11,754,733
15 180 $108,144 $21,061 $87,083 $11,667,650
16 181 $108,144 $20,905 $87,239 $11,580,411
16 182 $108,144 $20,748 $87,395 $11,493,016
16 183 $108,144 $20,592 $87,552 $11,405,464
16 184 $108,144 $20,435 $87,709 $11,317,755
16 185 $108,144 $20,278 $87,866 $11,229,889
16 186 $108,144 $20,120 $88,023 $11,141,865
16 187 $108,144 $19,963 $88,181 $11,053,684
16 188 $108,144 $19,805 $88,339 $10,965,345
16 189 $108,144 $19,646 $88,497 $10,876,847
16 190 $108,144 $19,488 $88,656 $10,788,191
16 191 $108,144 $19,329 $88,815 $10,699,377
16 192 $108,144 $19,170 $88,974 $10,610,403
17 193 $108,144 $19,010 $89,133 $10,521,269
17 194 $108,144 $18,851 $89,293 $10,431,976
17 195 $108,144 $18,691 $89,453 $10,342,523
17 196 $108,144 $18,530 $89,613 $10,252,910
17 197 $108,144 $18,370 $89,774 $10,163,136
17 198 $108,144 $18,209 $89,935 $10,073,201
17 199 $108,144 $18,048 $90,096 $9,983,105
17 200 $108,144 $17,886 $90,257 $9,892,848
17 201 $108,144 $17,725 $90,419 $9,802,429
17 202 $108,144 $17,563 $90,581 $9,711,848
17 203 $108,144 $17,400 $90,743 $9,621,105
17 204 $108,144 $17,238 $90,906 $9,530,199
18 205 $108,144 $17,075 $91,069 $9,439,130
18 206 $108,144 $16,912 $91,232 $9,347,898
18 207 $108,144 $16,748 $91,395 $9,256,503
18 208 $108,144 $16,585 $91,559 $9,164,944
18 209 $108,144 $16,421 $91,723 $9,073,221
18 210 $108,144 $16,256 $91,887 $8,981,333
18 211 $108,144 $16,092 $92,052 $8,889,281
18 212 $108,144 $15,927 $92,217 $8,797,064
18 213 $108,144 $15,761 $92,382 $8,704,682
18 214 $108,144 $15,596 $92,548 $8,612,134
18 215 $108,144 $15,430 $92,714 $8,519,420
18 216 $108,144 $15,264 $92,880 $8,426,541
19 217 $108,144 $15,098 $93,046 $8,333,494
19 218 $108,144 $14,931 $93,213 $8,240,282
19 219 $108,144 $14,764 $93,380 $8,146,902
19 220 $108,144 $14,597 $93,547 $8,053,355
19 221 $108,144 $14,429 $93,715 $7,959,640
19 222 $108,144 $14,261 $93,883 $7,865,757
19 223 $108,144 $14,093 $94,051 $7,771,706
19 224 $108,144 $13,924 $94,219 $7,677,487
19 225 $108,144 $13,755 $94,388 $7,583,099
19 226 $108,144 $13,586 $94,557 $7,488,541
19 227 $108,144 $13,417 $94,727 $7,393,815
19 228 $108,144 $13,247 $94,896 $7,298,918
20 229 $108,144 $13,077 $95,066 $7,203,852
20 230 $108,144 $12,907 $95,237 $7,108,615
20 231 $108,144 $12,736 $95,407 $7,013,208
20 232 $108,144 $12,565 $95,578 $6,917,629
20 233 $108,144 $12,394 $95,750 $6,821,880
20 234 $108,144 $12,223 $95,921 $6,725,959
20 235 $108,144 $12,051 $96,093 $6,629,866
20 236 $108,144 $11,879 $96,265 $6,533,600
20 237 $108,144 $11,706 $96,438 $6,437,163
20 238 $108,144 $11,533 $96,610 $6,340,552
20 239 $108,144 $11,360 $96,784 $6,243,769
20 240 $108,144 $11,187 $96,957 $6,146,812
21 241 $108,144 $11,013 $97,131 $6,049,681
21 242 $108,144 $10,839 $97,305 $5,952,377
21 243 $108,144 $10,665 $97,479 $5,854,898
21 244 $108,144 $10,490 $97,654 $5,757,244
21 245 $108,144 $10,315 $97,829 $5,659,415
21 246 $108,144 $10,140 $98,004 $5,561,411
21 247 $108,144 $9,964 $98,179 $5,463,232
21 248 $108,144 $9,788 $98,355 $5,364,876
21 249 $108,144 $9,612 $98,532 $5,266,345
21 250 $108,144 $9,436 $98,708 $5,167,637
21 251 $108,144 $9,259 $98,885 $5,068,752
21 252 $108,144 $9,082 $99,062 $4,969,690
22 253 $108,144 $8,904 $99,240 $4,870,450
22 254 $108,144 $8,726 $99,417 $4,771,032
22 255 $108,144 $8,548 $99,596 $4,671,437
22 256 $108,144 $8,370 $99,774 $4,571,663
22 257 $108,144 $8,191 $99,953 $4,471,710
22 258 $108,144 $8,012 $100,132 $4,371,578
22 259 $108,144 $7,832 $100,311 $4,271,267
22 260 $108,144 $7,653 $100,491 $4,170,776
22 261 $108,144 $7,473 $100,671 $4,070,105
22 262 $108,144 $7,292 $100,851 $3,969,253
22 263 $108,144 $7,112 $101,032 $3,868,221
22 264 $108,144 $6,931 $101,213 $3,767,008
23 265 $108,144 $6,749 $101,394 $3,665,614
23 266 $108,144 $6,568 $101,576 $3,564,038
23 267 $108,144 $6,386 $101,758 $3,462,280
23 268 $108,144 $6,203 $101,940 $3,360,339
23 269 $108,144 $6,021 $102,123 $3,258,216
23 270 $108,144 $5,838 $102,306 $3,155,910
23 271 $108,144 $5,654 $102,489 $3,053,421
23 272 $108,144 $5,471 $102,673 $2,950,748
23 273 $108,144 $5,287 $102,857 $2,847,891
23 274 $108,144 $5,102 $103,041 $2,744,850
23 275 $108,144 $4,918 $103,226 $2,641,624
23 276 $108,144 $4,733 $103,411 $2,538,213
24 277 $108,144 $4,548 $103,596 $2,434,617
24 278 $108,144 $4,362 $103,782 $2,330,835
24 279 $108,144 $4,176 $103,968 $2,226,868
24 280 $108,144 $3,990 $104,154 $2,122,714
24 281 $108,144 $3,803 $104,340 $2,018,373
24 282 $108,144 $3,616 $104,527 $1,913,846
24 283 $108,144 $3,429 $104,715 $1,809,131
24 284 $108,144 $3,241 $104,902 $1,704,229
24 285 $108,144 $3,053 $105,090 $1,599,139
24 286 $108,144 $2,865 $105,279 $1,493,860
24 287 $108,144 $2,676 $105,467 $1,388,393
24 288 $108,144 $2,488 $105,656 $1,282,737
25 289 $108,144 $2,298 $105,845 $1,176,891
25 290 $108,144 $2,109 $106,035 $1,070,856
25 291 $108,144 $1,919 $106,225 $964,631
25 292 $108,144 $1,728 $106,415 $858,216
25 293 $108,144 $1,538 $106,606 $751,610
25 294 $108,144 $1,347 $106,797 $644,813
25 295 $108,144 $1,155 $106,988 $537,824
25 296 $108,144 $964 $107,180 $430,644
25 297 $108,144 $772 $107,372 $323,272
25 298 $108,144 $579 $107,564 $215,707
25 299 $108,144 $386 $107,757 $107,950
25 300 $108,144 $193 $107,950 $0