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$ 7,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 7,708,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$7,520,000
 
Monthly Repayment (HKD)
$48,639
Loan Amount (HKD)
$11,280,000
+
Total Interest (HKD)
$3,311,636
=
Total Repayment (HKD)
$14,591,636
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $48,639 $20,210 $28,429 $11,251,571
1 2 $48,639 $20,159 $28,480 $11,223,091
1 3 $48,639 $20,108 $28,531 $11,194,561
1 4 $48,639 $20,057 $28,582 $11,165,979
1 5 $48,639 $20,006 $28,633 $11,137,346
1 6 $48,639 $19,954 $28,684 $11,108,661
1 7 $48,639 $19,903 $28,736 $11,079,926
1 8 $48,639 $19,852 $28,787 $11,051,138
1 9 $48,639 $19,800 $28,839 $11,022,300
1 10 $48,639 $19,748 $28,890 $10,993,409
1 11 $48,639 $19,697 $28,942 $10,964,467
1 12 $48,639 $19,645 $28,994 $10,935,473
2 13 $48,639 $19,593 $29,046 $10,906,427
2 14 $48,639 $19,541 $29,098 $10,877,329
2 15 $48,639 $19,489 $29,150 $10,848,178
2 16 $48,639 $19,436 $29,202 $10,818,976
2 17 $48,639 $19,384 $29,255 $10,789,721
2 18 $48,639 $19,332 $29,307 $10,760,414
2 19 $48,639 $19,279 $29,360 $10,731,054
2 20 $48,639 $19,226 $29,412 $10,701,642
2 21 $48,639 $19,174 $29,465 $10,672,177
2 22 $48,639 $19,121 $29,518 $10,642,659
2 23 $48,639 $19,068 $29,571 $10,613,088
2 24 $48,639 $19,015 $29,624 $10,583,465
3 25 $48,639 $18,962 $29,677 $10,553,788
3 26 $48,639 $18,909 $29,730 $10,524,058
3 27 $48,639 $18,856 $29,783 $10,494,275
3 28 $48,639 $18,802 $29,837 $10,464,438
3 29 $48,639 $18,749 $29,890 $10,434,548
3 30 $48,639 $18,695 $29,944 $10,404,605
3 31 $48,639 $18,642 $29,997 $10,374,608
3 32 $48,639 $18,588 $30,051 $10,344,557
3 33 $48,639 $18,534 $30,105 $10,314,452
3 34 $48,639 $18,480 $30,159 $10,284,293
3 35 $48,639 $18,426 $30,213 $10,254,080
3 36 $48,639 $18,372 $30,267 $10,223,813
4 37 $48,639 $18,318 $30,321 $10,193,492
4 38 $48,639 $18,263 $30,375 $10,163,117
4 39 $48,639 $18,209 $30,430 $10,132,687
4 40 $48,639 $18,154 $30,484 $10,102,203
4 41 $48,639 $18,100 $30,539 $10,071,664
4 42 $48,639 $18,045 $30,594 $10,041,070
4 43 $48,639 $17,990 $30,649 $10,010,421
4 44 $48,639 $17,935 $30,703 $9,979,718
4 45 $48,639 $17,880 $30,758 $9,948,959
4 46 $48,639 $17,825 $30,814 $9,918,146
4 47 $48,639 $17,770 $30,869 $9,887,277
4 48 $48,639 $17,715 $30,924 $9,856,353
5 49 $48,639 $17,659 $30,979 $9,825,374
5 50 $48,639 $17,604 $31,035 $9,794,339
5 51 $48,639 $17,548 $31,091 $9,763,248
5 52 $48,639 $17,492 $31,146 $9,732,102
5 53 $48,639 $17,437 $31,202 $9,700,900
5 54 $48,639 $17,381 $31,258 $9,669,642
5 55 $48,639 $17,325 $31,314 $9,638,328
5 56 $48,639 $17,269 $31,370 $9,606,957
5 57 $48,639 $17,212 $31,426 $9,575,531
5 58 $48,639 $17,156 $31,483 $9,544,048
5 59 $48,639 $17,100 $31,539 $9,512,509
5 60 $48,639 $17,043 $31,596 $9,480,914
6 61 $48,639 $16,987 $31,652 $9,449,262
6 62 $48,639 $16,930 $31,709 $9,417,553
6 63 $48,639 $16,873 $31,766 $9,385,787
6 64 $48,639 $16,816 $31,823 $9,353,965
6 65 $48,639 $16,759 $31,880 $9,322,085
6 66 $48,639 $16,702 $31,937 $9,290,148
6 67 $48,639 $16,645 $31,994 $9,258,154
6 68 $48,639 $16,588 $32,051 $9,226,103
6 69 $48,639 $16,530 $32,109 $9,193,994
6 70 $48,639 $16,473 $32,166 $9,161,828
6 71 $48,639 $16,415 $32,224 $9,129,604
6 72 $48,639 $16,357 $32,282 $9,097,323
7 73 $48,639 $16,299 $32,339 $9,064,983
7 74 $48,639 $16,241 $32,397 $9,032,586
7 75 $48,639 $16,183 $32,455 $9,000,131
7 76 $48,639 $16,125 $32,514 $8,967,617
7 77 $48,639 $16,067 $32,572 $8,935,045
7 78 $48,639 $16,009 $32,630 $8,902,415
7 79 $48,639 $15,950 $32,689 $8,869,726
7 80 $48,639 $15,892 $32,747 $8,836,979
7 81 $48,639 $15,833 $32,806 $8,804,173
7 82 $48,639 $15,774 $32,865 $8,771,309
7 83 $48,639 $15,715 $32,924 $8,738,385
7 84 $48,639 $15,656 $32,983 $8,705,403
8 85 $48,639 $15,597 $33,042 $8,672,361
8 86 $48,639 $15,538 $33,101 $8,639,260
8 87 $48,639 $15,479 $33,160 $8,606,100
8 88 $48,639 $15,419 $33,220 $8,572,881
8 89 $48,639 $15,360 $33,279 $8,539,602
8 90 $48,639 $15,300 $33,339 $8,506,263
8 91 $48,639 $15,240 $33,398 $8,472,865
8 92 $48,639 $15,181 $33,458 $8,439,406
8 93 $48,639 $15,121 $33,518 $8,405,888
8 94 $48,639 $15,061 $33,578 $8,372,310
8 95 $48,639 $15,000 $33,638 $8,338,672
8 96 $48,639 $14,940 $33,699 $8,304,973
9 97 $48,639 $14,880 $33,759 $8,271,214
9 98 $48,639 $14,819 $33,820 $8,237,394
9 99 $48,639 $14,759 $33,880 $8,203,514
9 100 $48,639 $14,698 $33,941 $8,169,573
9 101 $48,639 $14,637 $34,002 $8,135,572
9 102 $48,639 $14,576 $34,063 $8,101,509
9 103 $48,639 $14,515 $34,124 $8,067,386
9 104 $48,639 $14,454 $34,185 $8,033,201
9 105 $48,639 $14,393 $34,246 $7,998,955
9 106 $48,639 $14,331 $34,307 $7,964,648
9 107 $48,639 $14,270 $34,369 $7,930,279
9 108 $48,639 $14,208 $34,430 $7,895,848
10 109 $48,639 $14,147 $34,492 $7,861,356
10 110 $48,639 $14,085 $34,554 $7,826,803
10 111 $48,639 $14,023 $34,616 $7,792,187
10 112 $48,639 $13,961 $34,678 $7,757,509
10 113 $48,639 $13,899 $34,740 $7,722,769
10 114 $48,639 $13,837 $34,802 $7,687,967
10 115 $48,639 $13,774 $34,865 $7,653,102
10 116 $48,639 $13,712 $34,927 $7,618,175
10 117 $48,639 $13,649 $34,990 $7,583,186
10 118 $48,639 $13,587 $35,052 $7,548,134
10 119 $48,639 $13,524 $35,115 $7,513,019
10 120 $48,639 $13,461 $35,178 $7,477,841
11 121 $48,639 $13,398 $35,241 $7,442,600
11 122 $48,639 $13,335 $35,304 $7,407,295
11 123 $48,639 $13,271 $35,367 $7,371,928
11 124 $48,639 $13,208 $35,431 $7,336,497
11 125 $48,639 $13,145 $35,494 $7,301,003
11 126 $48,639 $13,081 $35,558 $7,265,445
11 127 $48,639 $13,017 $35,622 $7,229,824
11 128 $48,639 $12,953 $35,685 $7,194,138
11 129 $48,639 $12,889 $35,749 $7,158,389
11 130 $48,639 $12,825 $35,813 $7,122,576
11 131 $48,639 $12,761 $35,878 $7,086,698
11 132 $48,639 $12,697 $35,942 $7,050,757
12 133 $48,639 $12,633 $36,006 $7,014,750
12 134 $48,639 $12,568 $36,071 $6,978,680
12 135 $48,639 $12,503 $36,135 $6,942,544
12 136 $48,639 $12,439 $36,200 $6,906,344
12 137 $48,639 $12,374 $36,265 $6,870,079
12 138 $48,639 $12,309 $36,330 $6,833,749
12 139 $48,639 $12,244 $36,395 $6,797,354
12 140 $48,639 $12,179 $36,460 $6,760,894
12 141 $48,639 $12,113 $36,526 $6,724,369
12 142 $48,639 $12,048 $36,591 $6,687,778
12 143 $48,639 $11,982 $36,657 $6,651,121
12 144 $48,639 $11,917 $36,722 $6,614,399
13 145 $48,639 $11,851 $36,788 $6,577,611
13 146 $48,639 $11,785 $36,854 $6,540,757
13 147 $48,639 $11,719 $36,920 $6,503,837
13 148 $48,639 $11,653 $36,986 $6,466,851
13 149 $48,639 $11,586 $37,052 $6,429,799
13 150 $48,639 $11,520 $37,119 $6,392,680
13 151 $48,639 $11,454 $37,185 $6,355,495
13 152 $48,639 $11,387 $37,252 $6,318,243
13 153 $48,639 $11,320 $37,319 $6,280,924
13 154 $48,639 $11,253 $37,385 $6,243,539
13 155 $48,639 $11,186 $37,452 $6,206,087
13 156 $48,639 $11,119 $37,520 $6,168,567
14 157 $48,639 $11,052 $37,587 $6,130,980
14 158 $48,639 $10,985 $37,654 $6,093,326
14 159 $48,639 $10,917 $37,722 $6,055,605
14 160 $48,639 $10,850 $37,789 $6,017,815
14 161 $48,639 $10,782 $37,857 $5,979,958
14 162 $48,639 $10,714 $37,925 $5,942,034
14 163 $48,639 $10,646 $37,993 $5,904,041
14 164 $48,639 $10,578 $38,061 $5,865,980
14 165 $48,639 $10,510 $38,129 $5,827,852
14 166 $48,639 $10,442 $38,197 $5,789,654
14 167 $48,639 $10,373 $38,266 $5,751,389
14 168 $48,639 $10,305 $38,334 $5,713,054
15 169 $48,639 $10,236 $38,403 $5,674,652
15 170 $48,639 $10,167 $38,472 $5,636,180
15 171 $48,639 $10,098 $38,541 $5,597,639
15 172 $48,639 $10,029 $38,610 $5,559,030
15 173 $48,639 $9,960 $38,679 $5,520,351
15 174 $48,639 $9,891 $38,748 $5,481,603
15 175 $48,639 $9,821 $38,818 $5,442,785
15 176 $48,639 $9,752 $38,887 $5,403,898
15 177 $48,639 $9,682 $38,957 $5,364,941
15 178 $48,639 $9,612 $39,027 $5,325,914
15 179 $48,639 $9,542 $39,097 $5,286,818
15 180 $48,639 $9,472 $39,167 $5,247,651
16 181 $48,639 $9,402 $39,237 $5,208,415
16 182 $48,639 $9,332 $39,307 $5,169,108
16 183 $48,639 $9,261 $39,377 $5,129,730
16 184 $48,639 $9,191 $39,448 $5,090,282
16 185 $48,639 $9,120 $39,519 $5,050,763
16 186 $48,639 $9,049 $39,590 $5,011,174
16 187 $48,639 $8,978 $39,660 $4,971,513
16 188 $48,639 $8,907 $39,731 $4,931,782
16 189 $48,639 $8,836 $39,803 $4,891,979
16 190 $48,639 $8,765 $39,874 $4,852,105
16 191 $48,639 $8,693 $39,945 $4,812,160
16 192 $48,639 $8,622 $40,017 $4,772,143
17 193 $48,639 $8,550 $40,089 $4,732,054
17 194 $48,639 $8,478 $40,161 $4,691,894
17 195 $48,639 $8,406 $40,232 $4,651,661
17 196 $48,639 $8,334 $40,305 $4,611,357
17 197 $48,639 $8,262 $40,377 $4,570,980
17 198 $48,639 $8,190 $40,449 $4,530,531
17 199 $48,639 $8,117 $40,522 $4,490,009
17 200 $48,639 $8,045 $40,594 $4,449,415
17 201 $48,639 $7,972 $40,667 $4,408,748
17 202 $48,639 $7,899 $40,740 $4,368,008
17 203 $48,639 $7,826 $40,813 $4,327,195
17 204 $48,639 $7,753 $40,886 $4,286,310
18 205 $48,639 $7,680 $40,959 $4,245,350
18 206 $48,639 $7,606 $41,033 $4,204,318
18 207 $48,639 $7,533 $41,106 $4,163,212
18 208 $48,639 $7,459 $41,180 $4,122,032
18 209 $48,639 $7,385 $41,253 $4,080,779
18 210 $48,639 $7,311 $41,327 $4,039,451
18 211 $48,639 $7,237 $41,401 $3,998,050
18 212 $48,639 $7,163 $41,476 $3,956,574
18 213 $48,639 $7,089 $41,550 $3,915,024
18 214 $48,639 $7,014 $41,624 $3,873,400
18 215 $48,639 $6,940 $41,699 $3,831,701
18 216 $48,639 $6,865 $41,774 $3,789,927
19 217 $48,639 $6,790 $41,848 $3,748,079
19 218 $48,639 $6,715 $41,923 $3,706,155
19 219 $48,639 $6,640 $41,999 $3,664,157
19 220 $48,639 $6,565 $42,074 $3,622,083
19 221 $48,639 $6,490 $42,149 $3,579,934
19 222 $48,639 $6,414 $42,225 $3,537,709
19 223 $48,639 $6,338 $42,300 $3,495,409
19 224 $48,639 $6,263 $42,376 $3,453,032
19 225 $48,639 $6,187 $42,452 $3,410,580
19 226 $48,639 $6,111 $42,528 $3,368,052
19 227 $48,639 $6,034 $42,604 $3,325,448
19 228 $48,639 $5,958 $42,681 $3,282,767
20 229 $48,639 $5,882 $42,757 $3,240,010
20 230 $48,639 $5,805 $42,834 $3,197,176
20 231 $48,639 $5,728 $42,911 $3,154,266
20 232 $48,639 $5,651 $42,987 $3,111,278
20 233 $48,639 $5,574 $43,064 $3,068,214
20 234 $48,639 $5,497 $43,142 $3,025,072
20 235 $48,639 $5,420 $43,219 $2,981,853
20 236 $48,639 $5,342 $43,296 $2,938,557
20 237 $48,639 $5,265 $43,374 $2,895,183
20 238 $48,639 $5,187 $43,452 $2,851,732
20 239 $48,639 $5,109 $43,529 $2,808,202
20 240 $48,639 $5,031 $43,607 $2,764,595
21 241 $48,639 $4,953 $43,686 $2,720,909
21 242 $48,639 $4,875 $43,764 $2,677,145
21 243 $48,639 $4,797 $43,842 $2,633,303
21 244 $48,639 $4,718 $43,921 $2,589,382
21 245 $48,639 $4,639 $43,999 $2,545,383
21 246 $48,639 $4,560 $44,078 $2,501,305
21 247 $48,639 $4,482 $44,157 $2,457,147
21 248 $48,639 $4,402 $44,236 $2,412,911
21 249 $48,639 $4,323 $44,316 $2,368,595
21 250 $48,639 $4,244 $44,395 $2,324,200
21 251 $48,639 $4,164 $44,475 $2,279,726
21 252 $48,639 $4,085 $44,554 $2,235,171
22 253 $48,639 $4,005 $44,634 $2,190,537
22 254 $48,639 $3,925 $44,714 $2,145,823
22 255 $48,639 $3,845 $44,794 $2,101,029
22 256 $48,639 $3,764 $44,874 $2,056,155
22 257 $48,639 $3,684 $44,955 $2,011,200
22 258 $48,639 $3,603 $45,035 $1,966,164
22 259 $48,639 $3,523 $45,116 $1,921,048
22 260 $48,639 $3,442 $45,197 $1,875,851
22 261 $48,639 $3,361 $45,278 $1,830,573
22 262 $48,639 $3,280 $45,359 $1,785,214
22 263 $48,639 $3,199 $45,440 $1,739,774
22 264 $48,639 $3,117 $45,522 $1,694,253
23 265 $48,639 $3,036 $45,603 $1,648,649
23 266 $48,639 $2,954 $45,685 $1,602,964
23 267 $48,639 $2,872 $45,767 $1,557,197
23 268 $48,639 $2,790 $45,849 $1,511,349
23 269 $48,639 $2,708 $45,931 $1,465,418
23 270 $48,639 $2,626 $46,013 $1,419,404
23 271 $48,639 $2,543 $46,096 $1,373,309
23 272 $48,639 $2,461 $46,178 $1,327,131
23 273 $48,639 $2,378 $46,261 $1,280,870
23 274 $48,639 $2,295 $46,344 $1,234,526
23 275 $48,639 $2,212 $46,427 $1,188,099
23 276 $48,639 $2,129 $46,510 $1,141,589
24 277 $48,639 $2,045 $46,593 $1,094,995
24 278 $48,639 $1,962 $46,677 $1,048,318
24 279 $48,639 $1,878 $46,761 $1,001,558
24 280 $48,639 $1,794 $46,844 $954,713
24 281 $48,639 $1,711 $46,928 $907,785
24 282 $48,639 $1,626 $47,012 $860,773
24 283 $48,639 $1,542 $47,097 $813,676
24 284 $48,639 $1,458 $47,181 $766,495
24 285 $48,639 $1,373 $47,265 $719,230
24 286 $48,639 $1,289 $47,350 $671,880
24 287 $48,639 $1,204 $47,435 $624,445
24 288 $48,639 $1,119 $47,520 $576,925
25 289 $48,639 $1,034 $47,605 $529,319
25 290 $48,639 $948 $47,690 $481,629
25 291 $48,639 $863 $47,776 $433,853
25 292 $48,639 $777 $47,861 $385,992
25 293 $48,639 $692 $47,947 $338,045
25 294 $48,639 $606 $48,033 $290,011
25 295 $48,639 $520 $48,119 $241,892
25 296 $48,639 $433 $48,205 $193,687
25 297 $48,639 $347 $48,292 $145,395
25 298 $48,639 $260 $48,378 $97,017
25 299 $48,639 $174 $48,465 $48,552
25 300 $48,639 $87 $48,552 $0