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$ 5,700,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 5,842,500
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$5,700,000
 
Monthly Repayment (HKD)
$36,867
Loan Amount (HKD)
$8,550,000
+
Total Interest (HKD)
$2,510,149
=
Total Repayment (HKD)
$11,060,149
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $36,867 $15,319 $21,548 $8,528,452
1 2 $36,867 $15,280 $21,587 $8,506,865
1 3 $36,867 $15,241 $21,626 $8,485,239
1 4 $36,867 $15,203 $21,664 $8,463,574
1 5 $36,867 $15,164 $21,703 $8,441,871
1 6 $36,867 $15,125 $21,742 $8,420,129
1 7 $36,867 $15,086 $21,781 $8,398,348
1 8 $36,867 $15,047 $21,820 $8,376,528
1 9 $36,867 $15,008 $21,859 $8,354,669
1 10 $36,867 $14,969 $21,898 $8,332,770
1 11 $36,867 $14,930 $21,938 $8,310,833
1 12 $36,867 $14,890 $21,977 $8,288,856
2 13 $36,867 $14,851 $22,016 $8,266,839
2 14 $36,867 $14,811 $22,056 $8,244,784
2 15 $36,867 $14,772 $22,095 $8,222,688
2 16 $36,867 $14,732 $22,135 $8,200,553
2 17 $36,867 $14,693 $22,175 $8,178,379
2 18 $36,867 $14,653 $22,214 $8,156,165
2 19 $36,867 $14,613 $22,254 $8,133,911
2 20 $36,867 $14,573 $22,294 $8,111,617
2 21 $36,867 $14,533 $22,334 $8,089,283
2 22 $36,867 $14,493 $22,374 $8,066,909
2 23 $36,867 $14,453 $22,414 $8,044,495
2 24 $36,867 $14,413 $22,454 $8,022,041
3 25 $36,867 $14,373 $22,494 $7,999,547
3 26 $36,867 $14,333 $22,535 $7,977,012
3 27 $36,867 $14,292 $22,575 $7,954,437
3 28 $36,867 $14,252 $22,615 $7,931,822
3 29 $36,867 $14,211 $22,656 $7,909,166
3 30 $36,867 $14,171 $22,697 $7,886,469
3 31 $36,867 $14,130 $22,737 $7,863,732
3 32 $36,867 $14,089 $22,778 $7,840,954
3 33 $36,867 $14,048 $22,819 $7,818,135
3 34 $36,867 $14,007 $22,860 $7,795,275
3 35 $36,867 $13,967 $22,901 $7,772,375
3 36 $36,867 $13,926 $22,942 $7,749,433
4 37 $36,867 $13,884 $22,983 $7,726,450
4 38 $36,867 $13,843 $23,024 $7,703,426
4 39 $36,867 $13,802 $23,065 $7,680,361
4 40 $36,867 $13,761 $23,107 $7,657,255
4 41 $36,867 $13,719 $23,148 $7,634,107
4 42 $36,867 $13,678 $23,189 $7,610,917
4 43 $36,867 $13,636 $23,231 $7,587,686
4 44 $36,867 $13,595 $23,273 $7,564,414
4 45 $36,867 $13,553 $23,314 $7,541,100
4 46 $36,867 $13,511 $23,356 $7,517,744
4 47 $36,867 $13,469 $23,398 $7,494,346
4 48 $36,867 $13,427 $23,440 $7,470,906
5 49 $36,867 $13,385 $23,482 $7,447,424
5 50 $36,867 $13,343 $23,524 $7,423,900
5 51 $36,867 $13,301 $23,566 $7,400,334
5 52 $36,867 $13,259 $23,608 $7,376,726
5 53 $36,867 $13,217 $23,651 $7,353,075
5 54 $36,867 $13,174 $23,693 $7,329,383
5 55 $36,867 $13,132 $23,735 $7,305,647
5 56 $36,867 $13,089 $23,778 $7,281,869
5 57 $36,867 $13,047 $23,820 $7,258,049
5 58 $36,867 $13,004 $23,863 $7,234,186
5 59 $36,867 $12,961 $23,906 $7,210,280
5 60 $36,867 $12,918 $23,949 $7,186,331
6 61 $36,867 $12,876 $23,992 $7,162,339
6 62 $36,867 $12,833 $24,035 $7,138,305
6 63 $36,867 $12,789 $24,078 $7,114,227
6 64 $36,867 $12,746 $24,121 $7,090,106
6 65 $36,867 $12,703 $24,164 $7,065,942
6 66 $36,867 $12,660 $24,207 $7,041,735
6 67 $36,867 $12,616 $24,251 $7,017,484
6 68 $36,867 $12,573 $24,294 $6,993,190
6 69 $36,867 $12,529 $24,338 $6,968,852
6 70 $36,867 $12,486 $24,381 $6,944,471
6 71 $36,867 $12,442 $24,425 $6,920,046
6 72 $36,867 $12,398 $24,469 $6,895,577
7 73 $36,867 $12,355 $24,513 $6,871,065
7 74 $36,867 $12,311 $24,557 $6,846,508
7 75 $36,867 $12,267 $24,601 $6,821,908
7 76 $36,867 $12,223 $24,645 $6,797,263
7 77 $36,867 $12,178 $24,689 $6,772,574
7 78 $36,867 $12,134 $24,733 $6,747,841
7 79 $36,867 $12,090 $24,777 $6,723,064
7 80 $36,867 $12,045 $24,822 $6,698,242
7 81 $36,867 $12,001 $24,866 $6,673,376
7 82 $36,867 $11,956 $24,911 $6,648,465
7 83 $36,867 $11,912 $24,955 $6,623,510
7 84 $36,867 $11,867 $25,000 $6,598,510
8 85 $36,867 $11,822 $25,045 $6,573,465
8 86 $36,867 $11,777 $25,090 $6,548,376
8 87 $36,867 $11,733 $25,135 $6,523,241
8 88 $36,867 $11,687 $25,180 $6,498,061
8 89 $36,867 $11,642 $25,225 $6,472,836
8 90 $36,867 $11,597 $25,270 $6,447,566
8 91 $36,867 $11,552 $25,315 $6,422,251
8 92 $36,867 $11,507 $25,361 $6,396,890
8 93 $36,867 $11,461 $25,406 $6,371,484
8 94 $36,867 $11,416 $25,452 $6,346,033
8 95 $36,867 $11,370 $25,497 $6,320,536
8 96 $36,867 $11,324 $25,543 $6,294,993
9 97 $36,867 $11,279 $25,589 $6,269,404
9 98 $36,867 $11,233 $25,634 $6,243,770
9 99 $36,867 $11,187 $25,680 $6,218,089
9 100 $36,867 $11,141 $25,726 $6,192,363
9 101 $36,867 $11,095 $25,773 $6,166,590
9 102 $36,867 $11,048 $25,819 $6,140,772
9 103 $36,867 $11,002 $25,865 $6,114,907
9 104 $36,867 $10,956 $25,911 $6,088,995
9 105 $36,867 $10,909 $25,958 $6,063,038
9 106 $36,867 $10,863 $26,004 $6,037,033
9 107 $36,867 $10,816 $26,051 $6,010,983
9 108 $36,867 $10,770 $26,097 $5,984,885
10 109 $36,867 $10,723 $26,144 $5,958,741
10 110 $36,867 $10,676 $26,191 $5,932,550
10 111 $36,867 $10,629 $26,238 $5,906,312
10 112 $36,867 $10,582 $26,285 $5,880,027
10 113 $36,867 $10,535 $26,332 $5,853,695
10 114 $36,867 $10,488 $26,379 $5,827,315
10 115 $36,867 $10,441 $26,427 $5,800,889
10 116 $36,867 $10,393 $26,474 $5,774,415
10 117 $36,867 $10,346 $26,521 $5,747,894
10 118 $36,867 $10,298 $26,569 $5,721,325
10 119 $36,867 $10,251 $26,616 $5,694,708
10 120 $36,867 $10,203 $26,664 $5,668,044
11 121 $36,867 $10,155 $26,712 $5,641,332
11 122 $36,867 $10,107 $26,760 $5,614,572
11 123 $36,867 $10,059 $26,808 $5,587,765
11 124 $36,867 $10,011 $26,856 $5,560,909
11 125 $36,867 $9,963 $26,904 $5,534,005
11 126 $36,867 $9,915 $26,952 $5,507,053
11 127 $36,867 $9,867 $27,000 $5,480,053
11 128 $36,867 $9,818 $27,049 $5,453,004
11 129 $36,867 $9,770 $27,097 $5,425,907
11 130 $36,867 $9,721 $27,146 $5,398,761
11 131 $36,867 $9,673 $27,194 $5,371,567
11 132 $36,867 $9,624 $27,243 $5,344,323
12 133 $36,867 $9,575 $27,292 $5,317,031
12 134 $36,867 $9,526 $27,341 $5,289,691
12 135 $36,867 $9,477 $27,390 $5,262,301
12 136 $36,867 $9,428 $27,439 $5,234,862
12 137 $36,867 $9,379 $27,488 $5,207,374
12 138 $36,867 $9,330 $27,537 $5,179,837
12 139 $36,867 $9,281 $27,587 $5,152,250
12 140 $36,867 $9,231 $27,636 $5,124,614
12 141 $36,867 $9,182 $27,686 $5,096,928
12 142 $36,867 $9,132 $27,735 $5,069,193
12 143 $36,867 $9,082 $27,785 $5,041,408
12 144 $36,867 $9,033 $27,835 $5,013,574
13 145 $36,867 $8,983 $27,885 $4,985,689
13 146 $36,867 $8,933 $27,934 $4,957,755
13 147 $36,867 $8,883 $27,985 $4,929,770
13 148 $36,867 $8,833 $28,035 $4,901,736
13 149 $36,867 $8,782 $28,085 $4,873,651
13 150 $36,867 $8,732 $28,135 $4,845,516
13 151 $36,867 $8,682 $28,186 $4,817,330
13 152 $36,867 $8,631 $28,236 $4,789,094
13 153 $36,867 $8,580 $28,287 $4,760,807
13 154 $36,867 $8,530 $28,337 $4,732,470
13 155 $36,867 $8,479 $28,388 $4,704,082
13 156 $36,867 $8,428 $28,439 $4,675,643
14 157 $36,867 $8,377 $28,490 $4,647,153
14 158 $36,867 $8,326 $28,541 $4,618,612
14 159 $36,867 $8,275 $28,592 $4,590,019
14 160 $36,867 $8,224 $28,643 $4,561,376
14 161 $36,867 $8,172 $28,695 $4,532,681
14 162 $36,867 $8,121 $28,746 $4,503,935
14 163 $36,867 $8,070 $28,798 $4,475,138
14 164 $36,867 $8,018 $28,849 $4,446,288
14 165 $36,867 $7,966 $28,901 $4,417,387
14 166 $36,867 $7,914 $28,953 $4,388,435
14 167 $36,867 $7,863 $29,005 $4,359,430
14 168 $36,867 $7,811 $29,057 $4,330,374
15 169 $36,867 $7,759 $29,109 $4,301,265
15 170 $36,867 $7,706 $29,161 $4,272,104
15 171 $36,867 $7,654 $29,213 $4,242,891
15 172 $36,867 $7,602 $29,265 $4,213,626
15 173 $36,867 $7,549 $29,318 $4,184,308
15 174 $36,867 $7,497 $29,370 $4,154,938
15 175 $36,867 $7,444 $29,423 $4,125,515
15 176 $36,867 $7,392 $29,476 $4,096,040
15 177 $36,867 $7,339 $29,528 $4,066,511
15 178 $36,867 $7,286 $29,581 $4,036,930
15 179 $36,867 $7,233 $29,634 $4,007,295
15 180 $36,867 $7,180 $29,687 $3,977,608
16 181 $36,867 $7,127 $29,741 $3,947,867
16 182 $36,867 $7,073 $29,794 $3,918,074
16 183 $36,867 $7,020 $29,847 $3,888,226
16 184 $36,867 $6,966 $29,901 $3,858,325
16 185 $36,867 $6,913 $29,954 $3,828,371
16 186 $36,867 $6,859 $30,008 $3,798,363
16 187 $36,867 $6,805 $30,062 $3,768,301
16 188 $36,867 $6,752 $30,116 $3,738,186
16 189 $36,867 $6,698 $30,170 $3,708,016
16 190 $36,867 $6,644 $30,224 $3,677,793
16 191 $36,867 $6,589 $30,278 $3,647,515
16 192 $36,867 $6,535 $30,332 $3,617,183
17 193 $36,867 $6,481 $30,386 $3,586,796
17 194 $36,867 $6,426 $30,441 $3,556,356
17 195 $36,867 $6,372 $30,495 $3,525,860
17 196 $36,867 $6,317 $30,550 $3,495,310
17 197 $36,867 $6,262 $30,605 $3,464,705
17 198 $36,867 $6,208 $30,660 $3,434,046
17 199 $36,867 $6,153 $30,714 $3,403,331
17 200 $36,867 $6,098 $30,770 $3,372,562
17 201 $36,867 $6,043 $30,825 $3,341,737
17 202 $36,867 $5,987 $30,880 $3,310,857
17 203 $36,867 $5,932 $30,935 $3,279,922
17 204 $36,867 $5,877 $30,991 $3,248,931
18 205 $36,867 $5,821 $31,046 $3,217,885
18 206 $36,867 $5,765 $31,102 $3,186,784
18 207 $36,867 $5,710 $31,158 $3,155,626
18 208 $36,867 $5,654 $31,213 $3,124,413
18 209 $36,867 $5,598 $31,269 $3,093,143
18 210 $36,867 $5,542 $31,325 $3,061,818
18 211 $36,867 $5,486 $31,381 $3,030,437
18 212 $36,867 $5,430 $31,438 $2,998,999
18 213 $36,867 $5,373 $31,494 $2,967,505
18 214 $36,867 $5,317 $31,550 $2,935,955
18 215 $36,867 $5,260 $31,607 $2,904,348
18 216 $36,867 $5,204 $31,664 $2,872,684
19 217 $36,867 $5,147 $31,720 $2,840,964
19 218 $36,867 $5,090 $31,777 $2,809,187
19 219 $36,867 $5,033 $31,834 $2,777,353
19 220 $36,867 $4,976 $31,891 $2,745,462
19 221 $36,867 $4,919 $31,948 $2,713,514
19 222 $36,867 $4,862 $32,005 $2,681,508
19 223 $36,867 $4,804 $32,063 $2,649,445
19 224 $36,867 $4,747 $32,120 $2,617,325
19 225 $36,867 $4,689 $32,178 $2,585,147
19 226 $36,867 $4,632 $32,235 $2,552,912
19 227 $36,867 $4,574 $32,293 $2,520,619
19 228 $36,867 $4,516 $32,351 $2,488,268
20 229 $36,867 $4,458 $32,409 $2,455,859
20 230 $36,867 $4,400 $32,467 $2,423,392
20 231 $36,867 $4,342 $32,525 $2,390,866
20 232 $36,867 $4,284 $32,584 $2,358,283
20 233 $36,867 $4,225 $32,642 $2,325,641
20 234 $36,867 $4,167 $32,700 $2,292,940
20 235 $36,867 $4,108 $32,759 $2,260,181
20 236 $36,867 $4,049 $32,818 $2,227,364
20 237 $36,867 $3,991 $32,876 $2,194,487
20 238 $36,867 $3,932 $32,935 $2,161,552
20 239 $36,867 $3,873 $32,994 $2,128,558
20 240 $36,867 $3,814 $33,053 $2,095,504
21 241 $36,867 $3,754 $33,113 $2,062,391
21 242 $36,867 $3,695 $33,172 $2,029,219
21 243 $36,867 $3,636 $33,231 $1,995,988
21 244 $36,867 $3,576 $33,291 $1,962,697
21 245 $36,867 $3,516 $33,351 $1,929,346
21 246 $36,867 $3,457 $33,410 $1,895,936
21 247 $36,867 $3,397 $33,470 $1,862,465
21 248 $36,867 $3,337 $33,530 $1,828,935
21 249 $36,867 $3,277 $33,590 $1,795,345
21 250 $36,867 $3,217 $33,651 $1,761,694
21 251 $36,867 $3,156 $33,711 $1,727,984
21 252 $36,867 $3,096 $33,771 $1,694,212
22 253 $36,867 $3,035 $33,832 $1,660,381
22 254 $36,867 $2,975 $33,892 $1,626,488
22 255 $36,867 $2,914 $33,953 $1,592,535
22 256 $36,867 $2,853 $34,014 $1,558,521
22 257 $36,867 $2,792 $34,075 $1,524,447
22 258 $36,867 $2,731 $34,136 $1,490,311
22 259 $36,867 $2,670 $34,197 $1,456,114
22 260 $36,867 $2,609 $34,258 $1,421,855
22 261 $36,867 $2,547 $34,320 $1,387,536
22 262 $36,867 $2,486 $34,381 $1,353,155
22 263 $36,867 $2,424 $34,443 $1,318,712
22 264 $36,867 $2,363 $34,504 $1,284,207
23 265 $36,867 $2,301 $34,566 $1,249,641
23 266 $36,867 $2,239 $34,628 $1,215,013
23 267 $36,867 $2,177 $34,690 $1,180,323
23 268 $36,867 $2,115 $34,752 $1,145,570
23 269 $36,867 $2,052 $34,815 $1,110,755
23 270 $36,867 $1,990 $34,877 $1,075,878
23 271 $36,867 $1,928 $34,940 $1,040,939
23 272 $36,867 $1,865 $35,002 $1,005,937
23 273 $36,867 $1,802 $35,065 $970,872
23 274 $36,867 $1,739 $35,128 $935,744
23 275 $36,867 $1,677 $35,191 $900,554
23 276 $36,867 $1,613 $35,254 $865,300
24 277 $36,867 $1,550 $35,317 $829,983
24 278 $36,867 $1,487 $35,380 $794,603
24 279 $36,867 $1,424 $35,444 $759,159
24 280 $36,867 $1,360 $35,507 $723,652
24 281 $36,867 $1,297 $35,571 $688,082
24 282 $36,867 $1,233 $35,634 $652,447
24 283 $36,867 $1,169 $35,698 $616,749
24 284 $36,867 $1,105 $35,762 $580,987
24 285 $36,867 $1,041 $35,826 $545,161
24 286 $36,867 $977 $35,890 $509,270
24 287 $36,867 $912 $35,955 $473,316
24 288 $36,867 $848 $36,019 $437,297
25 289 $36,867 $783 $36,084 $401,213
25 290 $36,867 $719 $36,148 $365,065
25 291 $36,867 $654 $36,213 $328,851
25 292 $36,867 $589 $36,278 $292,574
25 293 $36,867 $524 $36,343 $256,231
25 294 $36,867 $459 $36,408 $219,822
25 295 $36,867 $394 $36,473 $183,349
25 296 $36,867 $329 $36,539 $146,810
25 297 $36,867 $263 $36,604 $110,206
25 298 $36,867 $197 $36,670 $73,537
25 299 $36,867 $132 $36,735 $36,801
25 300 $36,867 $66 $36,801 $0