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$ 16,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 16,400,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$16,000,000
 
Monthly Repayment (HKD)
$103,487
Loan Amount (HKD)
$24,000,000
+
Total Interest (HKD)
$7,046,033
=
Total Repayment (HKD)
$31,046,033
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $103,487 $43,000 $60,487 $23,939,513
1 2 $103,487 $42,892 $60,595 $23,878,918
1 3 $103,487 $42,783 $60,704 $23,818,214
1 4 $103,487 $42,674 $60,812 $23,757,402
1 5 $103,487 $42,565 $60,921 $23,696,480
1 6 $103,487 $42,456 $61,031 $23,635,450
1 7 $103,487 $42,347 $61,140 $23,574,310
1 8 $103,487 $42,237 $61,249 $23,513,060
1 9 $103,487 $42,128 $61,359 $23,451,701
1 10 $103,487 $42,018 $61,469 $23,390,232
1 11 $103,487 $41,907 $61,579 $23,328,653
1 12 $103,487 $41,797 $61,690 $23,266,963
2 13 $103,487 $41,687 $61,800 $23,205,163
2 14 $103,487 $41,576 $61,911 $23,143,252
2 15 $103,487 $41,465 $62,022 $23,081,230
2 16 $103,487 $41,354 $62,133 $23,019,098
2 17 $103,487 $41,243 $62,244 $22,956,853
2 18 $103,487 $41,131 $62,356 $22,894,498
2 19 $103,487 $41,019 $62,467 $22,832,030
2 20 $103,487 $40,907 $62,579 $22,769,451
2 21 $103,487 $40,795 $62,692 $22,706,759
2 22 $103,487 $40,683 $62,804 $22,643,955
2 23 $103,487 $40,570 $62,916 $22,581,039
2 24 $103,487 $40,458 $63,029 $22,518,010
3 25 $103,487 $40,345 $63,142 $22,454,868
3 26 $103,487 $40,232 $63,255 $22,391,613
3 27 $103,487 $40,118 $63,368 $22,328,244
3 28 $103,487 $40,005 $63,482 $22,264,762
3 29 $103,487 $39,891 $63,596 $22,201,167
3 30 $103,487 $39,777 $63,710 $22,137,457
3 31 $103,487 $39,663 $63,824 $22,073,633
3 32 $103,487 $39,549 $63,938 $22,009,695
3 33 $103,487 $39,434 $64,053 $21,945,642
3 34 $103,487 $39,319 $64,168 $21,881,475
3 35 $103,487 $39,204 $64,282 $21,817,192
3 36 $103,487 $39,089 $64,398 $21,752,794
4 37 $103,487 $38,974 $64,513 $21,688,281
4 38 $103,487 $38,858 $64,629 $21,623,653
4 39 $103,487 $38,742 $64,744 $21,558,908
4 40 $103,487 $38,626 $64,860 $21,494,048
4 41 $103,487 $38,510 $64,977 $21,429,071
4 42 $103,487 $38,394 $65,093 $21,363,978
4 43 $103,487 $38,277 $65,210 $21,298,769
4 44 $103,487 $38,160 $65,326 $21,233,442
4 45 $103,487 $38,043 $65,444 $21,167,999
4 46 $103,487 $37,926 $65,561 $21,102,438
4 47 $103,487 $37,809 $65,678 $21,036,760
4 48 $103,487 $37,691 $65,796 $20,970,964
5 49 $103,487 $37,573 $65,914 $20,905,050
5 50 $103,487 $37,455 $66,032 $20,839,018
5 51 $103,487 $37,337 $66,150 $20,772,868
5 52 $103,487 $37,218 $66,269 $20,706,599
5 53 $103,487 $37,099 $66,387 $20,640,212
5 54 $103,487 $36,980 $66,506 $20,573,705
5 55 $103,487 $36,861 $66,626 $20,507,080
5 56 $103,487 $36,742 $66,745 $20,440,335
5 57 $103,487 $36,622 $66,865 $20,373,470
5 58 $103,487 $36,502 $66,984 $20,306,486
5 59 $103,487 $36,382 $67,104 $20,239,382
5 60 $103,487 $36,262 $67,225 $20,172,157
6 61 $103,487 $36,142 $67,345 $20,104,812
6 62 $103,487 $36,021 $67,466 $20,037,347
6 63 $103,487 $35,900 $67,587 $19,969,760
6 64 $103,487 $35,779 $67,708 $19,902,052
6 65 $103,487 $35,658 $67,829 $19,834,223
6 66 $103,487 $35,536 $67,950 $19,766,273
6 67 $103,487 $35,415 $68,072 $19,698,201
6 68 $103,487 $35,293 $68,194 $19,630,007
6 69 $103,487 $35,170 $68,316 $19,561,690
6 70 $103,487 $35,048 $68,439 $19,493,252
6 71 $103,487 $34,925 $68,561 $19,424,690
6 72 $103,487 $34,803 $68,684 $19,356,006
7 73 $103,487 $34,680 $68,807 $19,287,199
7 74 $103,487 $34,556 $68,931 $19,218,268
7 75 $103,487 $34,433 $69,054 $19,149,214
7 76 $103,487 $34,309 $69,178 $19,080,036
7 77 $103,487 $34,185 $69,302 $19,010,735
7 78 $103,487 $34,061 $69,426 $18,941,309
7 79 $103,487 $33,937 $69,550 $18,871,758
7 80 $103,487 $33,812 $69,675 $18,802,084
7 81 $103,487 $33,687 $69,800 $18,732,284
7 82 $103,487 $33,562 $69,925 $18,662,359
7 83 $103,487 $33,437 $70,050 $18,592,309
7 84 $103,487 $33,311 $70,176 $18,522,133
8 85 $103,487 $33,185 $70,301 $18,451,832
8 86 $103,487 $33,060 $70,427 $18,381,405
8 87 $103,487 $32,933 $70,553 $18,310,852
8 88 $103,487 $32,807 $70,680 $18,240,172
8 89 $103,487 $32,680 $70,806 $18,169,365
8 90 $103,487 $32,553 $70,933 $18,098,432
8 91 $103,487 $32,426 $71,060 $18,027,371
8 92 $103,487 $32,299 $71,188 $17,956,184
8 93 $103,487 $32,171 $71,315 $17,884,868
8 94 $103,487 $32,044 $71,443 $17,813,425
8 95 $103,487 $31,916 $71,571 $17,741,854
8 96 $103,487 $31,787 $71,699 $17,670,155
9 97 $103,487 $31,659 $71,828 $17,598,327
9 98 $103,487 $31,530 $71,956 $17,526,371
9 99 $103,487 $31,401 $72,085 $17,454,285
9 100 $103,487 $31,272 $72,215 $17,382,071
9 101 $103,487 $31,143 $72,344 $17,309,727
9 102 $103,487 $31,013 $72,474 $17,237,254
9 103 $103,487 $30,883 $72,603 $17,164,650
9 104 $103,487 $30,753 $72,733 $17,091,917
9 105 $103,487 $30,623 $72,864 $17,019,053
9 106 $103,487 $30,492 $72,994 $16,946,059
9 107 $103,487 $30,362 $73,125 $16,872,934
9 108 $103,487 $30,231 $73,256 $16,799,677
10 109 $103,487 $30,099 $73,387 $16,726,290
10 110 $103,487 $29,968 $73,519 $16,652,771
10 111 $103,487 $29,836 $73,651 $16,579,121
10 112 $103,487 $29,704 $73,783 $16,505,338
10 113 $103,487 $29,572 $73,915 $16,431,423
10 114 $103,487 $29,440 $74,047 $16,357,376
10 115 $103,487 $29,307 $74,180 $16,283,197
10 116 $103,487 $29,174 $74,313 $16,208,884
10 117 $103,487 $29,041 $74,446 $16,134,438
10 118 $103,487 $28,908 $74,579 $16,059,859
10 119 $103,487 $28,774 $74,713 $15,985,146
10 120 $103,487 $28,640 $74,847 $15,910,299
11 121 $103,487 $28,506 $74,981 $15,835,318
11 122 $103,487 $28,372 $75,115 $15,760,203
11 123 $103,487 $28,237 $75,250 $15,684,953
11 124 $103,487 $28,102 $75,385 $15,609,569
11 125 $103,487 $27,967 $75,520 $15,534,049
11 126 $103,487 $27,832 $75,655 $15,458,394
11 127 $103,487 $27,696 $75,790 $15,382,604
11 128 $103,487 $27,560 $75,926 $15,306,677
11 129 $103,487 $27,424 $76,062 $15,230,615
11 130 $103,487 $27,288 $76,199 $15,154,417
11 131 $103,487 $27,152 $76,335 $15,078,081
11 132 $103,487 $27,015 $76,472 $15,001,610
12 133 $103,487 $26,878 $76,609 $14,925,001
12 134 $103,487 $26,741 $76,746 $14,848,255
12 135 $103,487 $26,603 $76,884 $14,771,371
12 136 $103,487 $26,465 $77,021 $14,694,349
12 137 $103,487 $26,327 $77,159 $14,617,190
12 138 $103,487 $26,189 $77,298 $14,539,892
12 139 $103,487 $26,051 $77,436 $14,462,456
12 140 $103,487 $25,912 $77,575 $14,384,881
12 141 $103,487 $25,773 $77,714 $14,307,168
12 142 $103,487 $25,634 $77,853 $14,229,314
12 143 $103,487 $25,494 $77,993 $14,151,322
12 144 $103,487 $25,354 $78,132 $14,073,190
13 145 $103,487 $25,214 $78,272 $13,994,917
13 146 $103,487 $25,074 $78,413 $13,916,505
13 147 $103,487 $24,934 $78,553 $13,837,952
13 148 $103,487 $24,793 $78,694 $13,759,258
13 149 $103,487 $24,652 $78,835 $13,680,423
13 150 $103,487 $24,511 $78,976 $13,601,447
13 151 $103,487 $24,369 $79,118 $13,522,330
13 152 $103,487 $24,228 $79,259 $13,443,070
13 153 $103,487 $24,086 $79,401 $13,363,669
13 154 $103,487 $23,943 $79,544 $13,284,125
13 155 $103,487 $23,801 $79,686 $13,204,439
13 156 $103,487 $23,658 $79,829 $13,124,611
14 157 $103,487 $23,515 $79,972 $13,044,639
14 158 $103,487 $23,372 $80,115 $12,964,524
14 159 $103,487 $23,228 $80,259 $12,884,265
14 160 $103,487 $23,084 $80,402 $12,803,862
14 161 $103,487 $22,940 $80,547 $12,723,316
14 162 $103,487 $22,796 $80,691 $12,642,625
14 163 $103,487 $22,651 $80,835 $12,561,790
14 164 $103,487 $22,507 $80,980 $12,480,809
14 165 $103,487 $22,361 $81,125 $12,399,684
14 166 $103,487 $22,216 $81,271 $12,318,413
14 167 $103,487 $22,070 $81,416 $12,236,997
14 168 $103,487 $21,925 $81,562 $12,155,435
15 169 $103,487 $21,778 $81,708 $12,073,727
15 170 $103,487 $21,632 $81,855 $11,991,872
15 171 $103,487 $21,485 $82,001 $11,909,871
15 172 $103,487 $21,339 $82,148 $11,827,722
15 173 $103,487 $21,191 $82,295 $11,745,427
15 174 $103,487 $21,044 $82,443 $11,662,984
15 175 $103,487 $20,896 $82,591 $11,580,394
15 176 $103,487 $20,748 $82,739 $11,497,655
15 177 $103,487 $20,600 $82,887 $11,414,768
15 178 $103,487 $20,451 $83,035 $11,331,733
15 179 $103,487 $20,303 $83,184 $11,248,549
15 180 $103,487 $20,154 $83,333 $11,165,216
16 181 $103,487 $20,004 $83,482 $11,081,733
16 182 $103,487 $19,855 $83,632 $10,998,101
16 183 $103,487 $19,705 $83,782 $10,914,319
16 184 $103,487 $19,555 $83,932 $10,830,387
16 185 $103,487 $19,404 $84,082 $10,746,305
16 186 $103,487 $19,254 $84,233 $10,662,072
16 187 $103,487 $19,103 $84,384 $10,577,688
16 188 $103,487 $18,952 $84,535 $10,493,153
16 189 $103,487 $18,800 $84,687 $10,408,466
16 190 $103,487 $18,649 $84,838 $10,323,628
16 191 $103,487 $18,497 $84,990 $10,238,638
16 192 $103,487 $18,344 $85,143 $10,153,495
17 193 $103,487 $18,192 $85,295 $10,068,200
17 194 $103,487 $18,039 $85,448 $9,982,752
17 195 $103,487 $17,886 $85,601 $9,897,151
17 196 $103,487 $17,732 $85,754 $9,811,397
17 197 $103,487 $17,579 $85,908 $9,725,489
17 198 $103,487 $17,425 $86,062 $9,639,427
17 199 $103,487 $17,271 $86,216 $9,553,211
17 200 $103,487 $17,116 $86,371 $9,466,840
17 201 $103,487 $16,961 $86,525 $9,380,315
17 202 $103,487 $16,806 $86,680 $9,293,635
17 203 $103,487 $16,651 $86,836 $9,206,799
17 204 $103,487 $16,496 $86,991 $9,119,808
18 205 $103,487 $16,340 $87,147 $9,032,660
18 206 $103,487 $16,184 $87,303 $8,945,357
18 207 $103,487 $16,027 $87,460 $8,857,898
18 208 $103,487 $15,870 $87,616 $8,770,281
18 209 $103,487 $15,713 $87,773 $8,682,508
18 210 $103,487 $15,556 $87,931 $8,594,577
18 211 $103,487 $15,399 $88,088 $8,506,489
18 212 $103,487 $15,241 $88,246 $8,418,243
18 213 $103,487 $15,083 $88,404 $8,329,839
18 214 $103,487 $14,924 $88,562 $8,241,276
18 215 $103,487 $14,766 $88,721 $8,152,555
18 216 $103,487 $14,607 $88,880 $8,063,675
19 217 $103,487 $14,447 $89,039 $7,974,636
19 218 $103,487 $14,288 $89,199 $7,885,437
19 219 $103,487 $14,128 $89,359 $7,796,078
19 220 $103,487 $13,968 $89,519 $7,706,559
19 221 $103,487 $13,808 $89,679 $7,616,880
19 222 $103,487 $13,647 $89,840 $7,527,040
19 223 $103,487 $13,486 $90,001 $7,437,040
19 224 $103,487 $13,325 $90,162 $7,346,877
19 225 $103,487 $13,163 $90,324 $7,256,554
19 226 $103,487 $13,001 $90,485 $7,166,068
19 227 $103,487 $12,839 $90,648 $7,075,421
19 228 $103,487 $12,677 $90,810 $6,984,611
20 229 $103,487 $12,514 $90,973 $6,893,638
20 230 $103,487 $12,351 $91,136 $6,802,502
20 231 $103,487 $12,188 $91,299 $6,711,204
20 232 $103,487 $12,024 $91,463 $6,619,741
20 233 $103,487 $11,860 $91,626 $6,528,115
20 234 $103,487 $11,696 $91,791 $6,436,324
20 235 $103,487 $11,532 $91,955 $6,344,369
20 236 $103,487 $11,367 $92,120 $6,252,249
20 237 $103,487 $11,202 $92,285 $6,159,964
20 238 $103,487 $11,037 $92,450 $6,067,514
20 239 $103,487 $10,871 $92,616 $5,974,898
20 240 $103,487 $10,705 $92,782 $5,882,117
21 241 $103,487 $10,539 $92,948 $5,789,169
21 242 $103,487 $10,372 $93,115 $5,696,054
21 243 $103,487 $10,205 $93,281 $5,602,773
21 244 $103,487 $10,038 $93,448 $5,509,324
21 245 $103,487 $9,871 $93,616 $5,415,708
21 246 $103,487 $9,703 $93,784 $5,321,925
21 247 $103,487 $9,535 $93,952 $5,227,973
21 248 $103,487 $9,367 $94,120 $5,133,853
21 249 $103,487 $9,198 $94,289 $5,039,564
21 250 $103,487 $9,029 $94,458 $4,945,107
21 251 $103,487 $8,860 $94,627 $4,850,480
21 252 $103,487 $8,690 $94,796 $4,755,684
22 253 $103,487 $8,521 $94,966 $4,660,718
22 254 $103,487 $8,350 $95,136 $4,565,581
22 255 $103,487 $8,180 $95,307 $4,470,275
22 256 $103,487 $8,009 $95,478 $4,374,797
22 257 $103,487 $7,838 $95,649 $4,279,148
22 258 $103,487 $7,667 $95,820 $4,183,328
22 259 $103,487 $7,495 $95,992 $4,087,337
22 260 $103,487 $7,323 $96,164 $3,991,173
22 261 $103,487 $7,151 $96,336 $3,894,837
22 262 $103,487 $6,978 $96,509 $3,798,329
22 263 $103,487 $6,805 $96,681 $3,701,647
22 264 $103,487 $6,632 $96,855 $3,604,793
23 265 $103,487 $6,459 $97,028 $3,507,764
23 266 $103,487 $6,285 $97,202 $3,410,562
23 267 $103,487 $6,111 $97,376 $3,313,186
23 268 $103,487 $5,936 $97,551 $3,215,636
23 269 $103,487 $5,761 $97,725 $3,117,910
23 270 $103,487 $5,586 $97,901 $3,020,010
23 271 $103,487 $5,411 $98,076 $2,921,934
23 272 $103,487 $5,235 $98,252 $2,823,682
23 273 $103,487 $5,059 $98,428 $2,725,254
23 274 $103,487 $4,883 $98,604 $2,626,650
23 275 $103,487 $4,706 $98,781 $2,527,870
23 276 $103,487 $4,529 $98,958 $2,428,912
24 277 $103,487 $4,352 $99,135 $2,329,777
24 278 $103,487 $4,174 $99,313 $2,230,464
24 279 $103,487 $3,996 $99,491 $2,130,974
24 280 $103,487 $3,818 $99,669 $2,031,305
24 281 $103,487 $3,639 $99,847 $1,931,458
24 282 $103,487 $3,461 $100,026 $1,831,431
24 283 $103,487 $3,281 $100,205 $1,731,226
24 284 $103,487 $3,102 $100,385 $1,630,841
24 285 $103,487 $2,922 $100,565 $1,530,276
24 286 $103,487 $2,742 $100,745 $1,429,531
24 287 $103,487 $2,561 $100,926 $1,328,606
24 288 $103,487 $2,380 $101,106 $1,227,499
25 289 $103,487 $2,199 $101,288 $1,126,212
25 290 $103,487 $2,018 $101,469 $1,024,743
25 291 $103,487 $1,836 $101,651 $923,092
25 292 $103,487 $1,654 $101,833 $821,259
25 293 $103,487 $1,471 $102,015 $719,244
25 294 $103,487 $1,289 $102,198 $617,046
25 295 $103,487 $1,106 $102,381 $514,664
25 296 $103,487 $922 $102,565 $412,100
25 297 $103,487 $738 $102,748 $309,351
25 298 $103,487 $554 $102,933 $206,419
25 299 $103,487 $370 $103,117 $103,302
25 300 $103,487 $185 $103,302 $0