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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$ 10,080,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 10,332,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$10,080,000
 
Monthly Repayment (HKD)
$65,197
Loan Amount (HKD)
$15,120,000
+
Total Interest (HKD)
$4,439,001
=
Total Repayment (HKD)
$19,559,001
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $65,197 $27,090 $38,107 $15,081,893
1 2 $65,197 $27,022 $38,175 $15,043,718
1 3 $65,197 $26,953 $38,243 $15,005,475
1 4 $65,197 $26,885 $38,312 $14,967,163
1 5 $65,197 $26,816 $38,381 $14,928,783
1 6 $65,197 $26,747 $38,449 $14,890,333
1 7 $65,197 $26,679 $38,518 $14,851,815
1 8 $65,197 $26,610 $38,587 $14,813,228
1 9 $65,197 $26,540 $38,656 $14,774,572
1 10 $65,197 $26,471 $38,726 $14,735,846
1 11 $65,197 $26,402 $38,795 $14,697,051
1 12 $65,197 $26,332 $38,864 $14,658,187
2 13 $65,197 $26,263 $38,934 $14,619,253
2 14 $65,197 $26,193 $39,004 $14,580,249
2 15 $65,197 $26,123 $39,074 $14,541,175
2 16 $65,197 $26,053 $39,144 $14,502,031
2 17 $65,197 $25,983 $39,214 $14,462,818
2 18 $65,197 $25,913 $39,284 $14,423,533
2 19 $65,197 $25,842 $39,355 $14,384,179
2 20 $65,197 $25,772 $39,425 $14,344,754
2 21 $65,197 $25,701 $39,496 $14,305,258
2 22 $65,197 $25,630 $39,566 $14,265,692
2 23 $65,197 $25,559 $39,637 $14,226,055
2 24 $65,197 $25,488 $39,708 $14,186,346
3 25 $65,197 $25,417 $39,779 $14,146,567
3 26 $65,197 $25,346 $39,851 $14,106,716
3 27 $65,197 $25,275 $39,922 $14,066,794
3 28 $65,197 $25,203 $39,994 $14,026,800
3 29 $65,197 $25,131 $40,065 $13,986,735
3 30 $65,197 $25,060 $40,137 $13,946,598
3 31 $65,197 $24,988 $40,209 $13,906,389
3 32 $65,197 $24,916 $40,281 $13,866,108
3 33 $65,197 $24,843 $40,353 $13,825,755
3 34 $65,197 $24,771 $40,426 $13,785,329
3 35 $65,197 $24,699 $40,498 $13,744,831
3 36 $65,197 $24,626 $40,571 $13,704,261
4 37 $65,197 $24,553 $40,643 $13,663,617
4 38 $65,197 $24,481 $40,716 $13,622,901
4 39 $65,197 $24,408 $40,789 $13,582,112
4 40 $65,197 $24,335 $40,862 $13,541,250
4 41 $65,197 $24,261 $40,935 $13,500,315
4 42 $65,197 $24,188 $41,009 $13,459,306
4 43 $65,197 $24,115 $41,082 $13,418,224
4 44 $65,197 $24,041 $41,156 $13,377,069
4 45 $65,197 $23,967 $41,229 $13,335,839
4 46 $65,197 $23,893 $41,303 $13,294,536
4 47 $65,197 $23,819 $41,377 $13,253,159
4 48 $65,197 $23,745 $41,451 $13,211,707
5 49 $65,197 $23,671 $41,526 $13,170,182
5 50 $65,197 $23,597 $41,600 $13,128,581
5 51 $65,197 $23,522 $41,675 $13,086,907
5 52 $65,197 $23,447 $41,749 $13,045,157
5 53 $65,197 $23,373 $41,824 $13,003,333
5 54 $65,197 $23,298 $41,899 $12,961,434
5 55 $65,197 $23,223 $41,974 $12,919,460
5 56 $65,197 $23,147 $42,049 $12,877,411
5 57 $65,197 $23,072 $42,125 $12,835,286
5 58 $65,197 $22,997 $42,200 $12,793,086
5 59 $65,197 $22,921 $42,276 $12,750,810
5 60 $65,197 $22,845 $42,351 $12,708,459
6 61 $65,197 $22,769 $42,427 $12,666,032
6 62 $65,197 $22,693 $42,503 $12,623,528
6 63 $65,197 $22,617 $42,580 $12,580,949
6 64 $65,197 $22,541 $42,656 $12,538,293
6 65 $65,197 $22,464 $42,732 $12,495,561
6 66 $65,197 $22,388 $42,809 $12,452,752
6 67 $65,197 $22,311 $42,885 $12,409,866
6 68 $65,197 $22,234 $42,962 $12,366,904
6 69 $65,197 $22,157 $43,039 $12,323,865
6 70 $65,197 $22,080 $43,116 $12,280,748
6 71 $65,197 $22,003 $43,194 $12,237,555
6 72 $65,197 $21,926 $43,271 $12,194,284
7 73 $65,197 $21,848 $43,349 $12,150,935
7 74 $65,197 $21,770 $43,426 $12,107,509
7 75 $65,197 $21,693 $43,504 $12,064,005
7 76 $65,197 $21,615 $43,582 $12,020,423
7 77 $65,197 $21,537 $43,660 $11,976,763
7 78 $65,197 $21,458 $43,738 $11,933,024
7 79 $65,197 $21,380 $43,817 $11,889,208
7 80 $65,197 $21,301 $43,895 $11,845,313
7 81 $65,197 $21,223 $43,974 $11,801,339
7 82 $65,197 $21,144 $44,053 $11,757,286
7 83 $65,197 $21,065 $44,132 $11,713,155
7 84 $65,197 $20,986 $44,211 $11,668,944
8 85 $65,197 $20,907 $44,290 $11,624,654
8 86 $65,197 $20,828 $44,369 $11,580,285
8 87 $65,197 $20,748 $44,449 $11,535,836
8 88 $65,197 $20,668 $44,528 $11,491,308
8 89 $65,197 $20,589 $44,608 $11,446,700
8 90 $65,197 $20,509 $44,688 $11,402,012
8 91 $65,197 $20,429 $44,768 $11,357,244
8 92 $65,197 $20,348 $44,848 $11,312,396
8 93 $65,197 $20,268 $44,929 $11,267,467
8 94 $65,197 $20,188 $45,009 $11,222,458
8 95 $65,197 $20,107 $45,090 $11,177,368
8 96 $65,197 $20,026 $45,171 $11,132,198
9 97 $65,197 $19,945 $45,251 $11,086,946
9 98 $65,197 $19,864 $45,333 $11,041,614
9 99 $65,197 $19,783 $45,414 $10,996,200
9 100 $65,197 $19,702 $45,495 $10,950,705
9 101 $65,197 $19,620 $45,577 $10,905,128
9 102 $65,197 $19,538 $45,658 $10,859,470
9 103 $65,197 $19,457 $45,740 $10,813,730
9 104 $65,197 $19,375 $45,822 $10,767,908
9 105 $65,197 $19,293 $45,904 $10,722,003
9 106 $65,197 $19,210 $45,986 $10,676,017
9 107 $65,197 $19,128 $46,069 $10,629,948
9 108 $65,197 $19,045 $46,151 $10,583,797
10 109 $65,197 $18,963 $46,234 $10,537,563
10 110 $65,197 $18,880 $46,317 $10,491,246
10 111 $65,197 $18,797 $46,400 $10,444,846
10 112 $65,197 $18,714 $46,483 $10,398,363
10 113 $65,197 $18,630 $46,566 $10,351,797
10 114 $65,197 $18,547 $46,650 $10,305,147
10 115 $65,197 $18,463 $46,733 $10,258,414
10 116 $65,197 $18,380 $46,817 $10,211,597
10 117 $65,197 $18,296 $46,901 $10,164,696
10 118 $65,197 $18,212 $46,985 $10,117,711
10 119 $65,197 $18,128 $47,069 $10,070,642
10 120 $65,197 $18,043 $47,153 $10,023,488
11 121 $65,197 $17,959 $47,238 $9,976,251
11 122 $65,197 $17,874 $47,323 $9,928,928
11 123 $65,197 $17,789 $47,407 $9,881,521
11 124 $65,197 $17,704 $47,492 $9,834,028
11 125 $65,197 $17,619 $47,577 $9,786,451
11 126 $65,197 $17,534 $47,663 $9,738,788
11 127 $65,197 $17,449 $47,748 $9,691,040
11 128 $65,197 $17,363 $47,834 $9,643,207
11 129 $65,197 $17,277 $47,919 $9,595,288
11 130 $65,197 $17,192 $48,005 $9,547,282
11 131 $65,197 $17,106 $48,091 $9,499,191
11 132 $65,197 $17,019 $48,177 $9,451,014
12 133 $65,197 $16,933 $48,264 $9,402,750
12 134 $65,197 $16,847 $48,350 $9,354,400
12 135 $65,197 $16,760 $48,437 $9,305,964
12 136 $65,197 $16,673 $48,523 $9,257,440
12 137 $65,197 $16,586 $48,610 $9,208,830
12 138 $65,197 $16,499 $48,698 $9,160,132
12 139 $65,197 $16,412 $48,785 $9,111,347
12 140 $65,197 $16,324 $48,872 $9,062,475
12 141 $65,197 $16,237 $48,960 $9,013,516
12 142 $65,197 $16,149 $49,047 $8,964,468
12 143 $65,197 $16,061 $49,135 $8,915,333
12 144 $65,197 $15,973 $49,223 $8,866,109
13 145 $65,197 $15,885 $49,312 $8,816,798
13 146 $65,197 $15,797 $49,400 $8,767,398
13 147 $65,197 $15,708 $49,488 $8,717,910
13 148 $65,197 $15,620 $49,577 $8,668,332
13 149 $65,197 $15,531 $49,666 $8,618,667
13 150 $65,197 $15,442 $49,755 $8,568,912
13 151 $65,197 $15,353 $49,844 $8,519,068
13 152 $65,197 $15,263 $49,933 $8,469,134
13 153 $65,197 $15,174 $50,023 $8,419,111
13 154 $65,197 $15,084 $50,112 $8,368,999
13 155 $65,197 $14,994 $50,202 $8,318,797
13 156 $65,197 $14,905 $50,292 $8,268,505
14 157 $65,197 $14,814 $50,382 $8,218,122
14 158 $65,197 $14,724 $50,473 $8,167,650
14 159 $65,197 $14,634 $50,563 $8,117,087
14 160 $65,197 $14,543 $50,654 $8,066,433
14 161 $65,197 $14,452 $50,744 $8,015,689
14 162 $65,197 $14,361 $50,835 $7,964,854
14 163 $65,197 $14,270 $50,926 $7,913,928
14 164 $65,197 $14,179 $51,018 $7,862,910
14 165 $65,197 $14,088 $51,109 $7,811,801
14 166 $65,197 $13,996 $51,201 $7,760,600
14 167 $65,197 $13,904 $51,292 $7,709,308
14 168 $65,197 $13,813 $51,384 $7,657,924
15 169 $65,197 $13,720 $51,476 $7,606,448
15 170 $65,197 $13,628 $51,568 $7,554,879
15 171 $65,197 $13,536 $51,661 $7,503,219
15 172 $65,197 $13,443 $51,753 $7,451,465
15 173 $65,197 $13,351 $51,846 $7,399,619
15 174 $65,197 $13,258 $51,939 $7,347,680
15 175 $65,197 $13,165 $52,032 $7,295,648
15 176 $65,197 $13,071 $52,125 $7,243,523
15 177 $65,197 $12,978 $52,219 $7,191,304
15 178 $65,197 $12,884 $52,312 $7,138,992
15 179 $65,197 $12,791 $52,406 $7,086,586
15 180 $65,197 $12,697 $52,500 $7,034,086
16 181 $65,197 $12,603 $52,594 $6,981,492
16 182 $65,197 $12,509 $52,688 $6,928,804
16 183 $65,197 $12,414 $52,783 $6,876,021
16 184 $65,197 $12,320 $52,877 $6,823,144
16 185 $65,197 $12,225 $52,972 $6,770,172
16 186 $65,197 $12,130 $53,067 $6,717,105
16 187 $65,197 $12,035 $53,162 $6,663,944
16 188 $65,197 $11,940 $53,257 $6,610,686
16 189 $65,197 $11,844 $53,353 $6,557,334
16 190 $65,197 $11,749 $53,448 $6,503,886
16 191 $65,197 $11,653 $53,544 $6,450,342
16 192 $65,197 $11,557 $53,640 $6,396,702
17 193 $65,197 $11,461 $53,736 $6,342,966
17 194 $65,197 $11,364 $53,832 $6,289,134
17 195 $65,197 $11,268 $53,929 $6,235,205
17 196 $65,197 $11,171 $54,025 $6,181,180
17 197 $65,197 $11,075 $54,122 $6,127,058
17 198 $65,197 $10,978 $54,219 $6,072,839
17 199 $65,197 $10,881 $54,316 $6,018,523
17 200 $65,197 $10,783 $54,413 $5,964,109
17 201 $65,197 $10,686 $54,511 $5,909,598
17 202 $65,197 $10,588 $54,609 $5,854,990
17 203 $65,197 $10,490 $54,706 $5,800,283
17 204 $65,197 $10,392 $54,804 $5,745,479
18 205 $65,197 $10,294 $54,903 $5,690,576
18 206 $65,197 $10,196 $55,001 $5,635,575
18 207 $65,197 $10,097 $55,100 $5,580,475
18 208 $65,197 $9,998 $55,198 $5,525,277
18 209 $65,197 $9,899 $55,297 $5,469,980
18 210 $65,197 $9,800 $55,396 $5,414,584
18 211 $65,197 $9,701 $55,496 $5,359,088
18 212 $65,197 $9,602 $55,595 $5,303,493
18 213 $65,197 $9,502 $55,695 $5,247,799
18 214 $65,197 $9,402 $55,794 $5,192,004
18 215 $65,197 $9,302 $55,894 $5,136,110
18 216 $65,197 $9,202 $55,994 $5,080,115
19 217 $65,197 $9,102 $56,095 $5,024,021
19 218 $65,197 $9,001 $56,195 $4,967,825
19 219 $65,197 $8,901 $56,296 $4,911,529
19 220 $65,197 $8,800 $56,397 $4,855,132
19 221 $65,197 $8,699 $56,498 $4,798,635
19 222 $65,197 $8,598 $56,599 $4,742,035
19 223 $65,197 $8,496 $56,701 $4,685,335
19 224 $65,197 $8,395 $56,802 $4,628,533
19 225 $65,197 $8,293 $56,904 $4,571,629
19 226 $65,197 $8,191 $57,006 $4,514,623
19 227 $65,197 $8,089 $57,108 $4,457,515
19 228 $65,197 $7,986 $57,210 $4,400,305
20 229 $65,197 $7,884 $57,313 $4,342,992
20 230 $65,197 $7,781 $57,415 $4,285,577
20 231 $65,197 $7,678 $57,518 $4,228,058
20 232 $65,197 $7,575 $57,621 $4,170,437
20 233 $65,197 $7,472 $57,725 $4,112,712
20 234 $65,197 $7,369 $57,828 $4,054,884
20 235 $65,197 $7,265 $57,932 $3,996,952
20 236 $65,197 $7,161 $58,035 $3,938,917
20 237 $65,197 $7,057 $58,139 $3,880,778
20 238 $65,197 $6,953 $58,244 $3,822,534
20 239 $65,197 $6,849 $58,348 $3,764,186
20 240 $65,197 $6,744 $58,453 $3,705,733
21 241 $65,197 $6,639 $58,557 $3,647,176
21 242 $65,197 $6,535 $58,662 $3,588,514
21 243 $65,197 $6,429 $58,767 $3,529,747
21 244 $65,197 $6,324 $58,873 $3,470,874
21 245 $65,197 $6,219 $58,978 $3,411,896
21 246 $65,197 $6,113 $59,084 $3,352,813
21 247 $65,197 $6,007 $59,190 $3,293,623
21 248 $65,197 $5,901 $59,296 $3,234,327
21 249 $65,197 $5,795 $59,402 $3,174,926
21 250 $65,197 $5,688 $59,508 $3,115,417
21 251 $65,197 $5,582 $59,615 $3,055,802
21 252 $65,197 $5,475 $59,722 $2,996,081
22 253 $65,197 $5,368 $59,829 $2,936,252
22 254 $65,197 $5,261 $59,936 $2,876,316
22 255 $65,197 $5,153 $60,043 $2,816,273
22 256 $65,197 $5,046 $60,151 $2,756,122
22 257 $65,197 $4,938 $60,259 $2,695,863
22 258 $65,197 $4,830 $60,367 $2,635,497
22 259 $65,197 $4,722 $60,475 $2,575,022
22 260 $65,197 $4,614 $60,583 $2,514,439
22 261 $65,197 $4,505 $60,692 $2,453,747
22 262 $65,197 $4,396 $60,800 $2,392,947
22 263 $65,197 $4,287 $60,909 $2,332,038
22 264 $65,197 $4,178 $61,018 $2,271,019
23 265 $65,197 $4,069 $61,128 $2,209,892
23 266 $65,197 $3,959 $61,237 $2,148,654
23 267 $65,197 $3,850 $61,347 $2,087,307
23 268 $65,197 $3,740 $61,457 $2,025,850
23 269 $65,197 $3,630 $61,567 $1,964,283
23 270 $65,197 $3,519 $61,677 $1,902,606
23 271 $65,197 $3,409 $61,788 $1,840,818
23 272 $65,197 $3,298 $61,899 $1,778,920
23 273 $65,197 $3,187 $62,009 $1,716,910
23 274 $65,197 $3,076 $62,121 $1,654,790
23 275 $65,197 $2,965 $62,232 $1,592,558
23 276 $65,197 $2,853 $62,343 $1,530,214
24 277 $65,197 $2,742 $62,455 $1,467,759
24 278 $65,197 $2,630 $62,567 $1,405,193
24 279 $65,197 $2,518 $62,679 $1,342,513
24 280 $65,197 $2,405 $62,791 $1,279,722
24 281 $65,197 $2,293 $62,904 $1,216,818
24 282 $65,197 $2,180 $63,017 $1,153,802
24 283 $65,197 $2,067 $63,129 $1,090,672
24 284 $65,197 $1,954 $63,243 $1,027,430
24 285 $65,197 $1,841 $63,356 $964,074
24 286 $65,197 $1,727 $63,469 $900,605
24 287 $65,197 $1,614 $63,583 $837,021
24 288 $65,197 $1,500 $63,697 $773,324
25 289 $65,197 $1,386 $63,811 $709,513
25 290 $65,197 $1,271 $63,925 $645,588
25 291 $65,197 $1,157 $64,040 $581,548
25 292 $65,197 $1,042 $64,155 $517,393
25 293 $65,197 $927 $64,270 $453,123
25 294 $65,197 $812 $64,385 $388,739
25 295 $65,197 $696 $64,500 $324,238
25 296 $65,197 $581 $64,616 $259,623
25 297 $65,197 $465 $64,732 $194,891
25 298 $65,197 $349 $64,847 $130,044
25 299 $65,197 $233 $64,964 $65,080
25 300 $65,197 $117 $65,080 $0