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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$ 3,700,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,792,500
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,700,000
 
Monthly Repayment (HKD)
$23,931
Loan Amount (HKD)
$5,550,000
+
Total Interest (HKD)
$1,629,395
=
Total Repayment (HKD)
$7,179,395
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $23,931 $9,944 $13,988 $5,536,012
1 2 $23,931 $9,919 $14,013 $5,522,000
1 3 $23,931 $9,894 $14,038 $5,507,962
1 4 $23,931 $9,868 $14,063 $5,493,899
1 5 $23,931 $9,843 $14,088 $5,479,811
1 6 $23,931 $9,818 $14,113 $5,465,698
1 7 $23,931 $9,793 $14,139 $5,451,559
1 8 $23,931 $9,767 $14,164 $5,437,395
1 9 $23,931 $9,742 $14,189 $5,423,206
1 10 $23,931 $9,717 $14,215 $5,408,991
1 11 $23,931 $9,691 $14,240 $5,394,751
1 12 $23,931 $9,666 $14,266 $5,380,485
2 13 $23,931 $9,640 $14,291 $5,366,194
2 14 $23,931 $9,614 $14,317 $5,351,877
2 15 $23,931 $9,589 $14,343 $5,337,535
2 16 $23,931 $9,563 $14,368 $5,323,166
2 17 $23,931 $9,537 $14,394 $5,308,772
2 18 $23,931 $9,512 $14,420 $5,294,353
2 19 $23,931 $9,486 $14,446 $5,279,907
2 20 $23,931 $9,460 $14,471 $5,265,435
2 21 $23,931 $9,434 $14,497 $5,250,938
2 22 $23,931 $9,408 $14,523 $5,236,415
2 23 $23,931 $9,382 $14,549 $5,221,865
2 24 $23,931 $9,356 $14,575 $5,207,290
3 25 $23,931 $9,330 $14,602 $5,192,688
3 26 $23,931 $9,304 $14,628 $5,178,060
3 27 $23,931 $9,277 $14,654 $5,163,406
3 28 $23,931 $9,251 $14,680 $5,148,726
3 29 $23,931 $9,225 $14,707 $5,134,020
3 30 $23,931 $9,198 $14,733 $5,119,287
3 31 $23,931 $9,172 $14,759 $5,104,528
3 32 $23,931 $9,146 $14,786 $5,089,742
3 33 $23,931 $9,119 $14,812 $5,074,930
3 34 $23,931 $9,093 $14,839 $5,060,091
3 35 $23,931 $9,066 $14,865 $5,045,226
3 36 $23,931 $9,039 $14,892 $5,030,334
4 37 $23,931 $9,013 $14,919 $5,015,415
4 38 $23,931 $8,986 $14,945 $5,000,470
4 39 $23,931 $8,959 $14,972 $4,985,498
4 40 $23,931 $8,932 $14,999 $4,970,499
4 41 $23,931 $8,905 $15,026 $4,955,473
4 42 $23,931 $8,879 $15,053 $4,940,420
4 43 $23,931 $8,852 $15,080 $4,925,340
4 44 $23,931 $8,825 $15,107 $4,910,234
4 45 $23,931 $8,798 $15,134 $4,895,100
4 46 $23,931 $8,770 $15,161 $4,879,939
4 47 $23,931 $8,743 $15,188 $4,864,751
4 48 $23,931 $8,716 $15,215 $4,849,535
5 49 $23,931 $8,689 $15,243 $4,834,293
5 50 $23,931 $8,661 $15,270 $4,819,023
5 51 $23,931 $8,634 $15,297 $4,803,726
5 52 $23,931 $8,607 $15,325 $4,788,401
5 53 $23,931 $8,579 $15,352 $4,773,049
5 54 $23,931 $8,552 $15,380 $4,757,669
5 55 $23,931 $8,524 $15,407 $4,742,262
5 56 $23,931 $8,497 $15,435 $4,726,827
5 57 $23,931 $8,469 $15,462 $4,711,365
5 58 $23,931 $8,441 $15,490 $4,695,875
5 59 $23,931 $8,413 $15,518 $4,680,357
5 60 $23,931 $8,386 $15,546 $4,664,811
6 61 $23,931 $8,358 $15,574 $4,649,238
6 62 $23,931 $8,330 $15,601 $4,633,636
6 63 $23,931 $8,302 $15,629 $4,618,007
6 64 $23,931 $8,274 $15,657 $4,602,350
6 65 $23,931 $8,246 $15,685 $4,586,664
6 66 $23,931 $8,218 $15,714 $4,570,951
6 67 $23,931 $8,190 $15,742 $4,555,209
6 68 $23,931 $8,161 $15,770 $4,539,439
6 69 $23,931 $8,133 $15,798 $4,523,641
6 70 $23,931 $8,105 $15,826 $4,507,814
6 71 $23,931 $8,077 $15,855 $4,491,960
6 72 $23,931 $8,048 $15,883 $4,476,076
7 73 $23,931 $8,020 $15,912 $4,460,165
7 74 $23,931 $7,991 $15,940 $4,444,225
7 75 $23,931 $7,963 $15,969 $4,428,256
7 76 $23,931 $7,934 $15,997 $4,412,258
7 77 $23,931 $7,905 $16,026 $4,396,232
7 78 $23,931 $7,877 $16,055 $4,380,178
7 79 $23,931 $7,848 $16,083 $4,364,094
7 80 $23,931 $7,819 $16,112 $4,347,982
7 81 $23,931 $7,790 $16,141 $4,331,841
7 82 $23,931 $7,761 $16,170 $4,315,671
7 83 $23,931 $7,732 $16,199 $4,299,471
7 84 $23,931 $7,703 $16,228 $4,283,243
8 85 $23,931 $7,674 $16,257 $4,266,986
8 86 $23,931 $7,645 $16,286 $4,250,700
8 87 $23,931 $7,616 $16,315 $4,234,384
8 88 $23,931 $7,587 $16,345 $4,218,040
8 89 $23,931 $7,557 $16,374 $4,201,666
8 90 $23,931 $7,528 $16,403 $4,185,262
8 91 $23,931 $7,499 $16,433 $4,168,830
8 92 $23,931 $7,469 $16,462 $4,152,367
8 93 $23,931 $7,440 $16,492 $4,135,876
8 94 $23,931 $7,410 $16,521 $4,119,355
8 95 $23,931 $7,381 $16,551 $4,102,804
8 96 $23,931 $7,351 $16,580 $4,086,223
9 97 $23,931 $7,321 $16,610 $4,069,613
9 98 $23,931 $7,291 $16,640 $4,052,973
9 99 $23,931 $7,262 $16,670 $4,036,304
9 100 $23,931 $7,232 $16,700 $4,019,604
9 101 $23,931 $7,202 $16,730 $4,002,874
9 102 $23,931 $7,172 $16,760 $3,986,115
9 103 $23,931 $7,142 $16,790 $3,969,325
9 104 $23,931 $7,112 $16,820 $3,952,506
9 105 $23,931 $7,082 $16,850 $3,935,656
9 106 $23,931 $7,051 $16,880 $3,918,776
9 107 $23,931 $7,021 $16,910 $3,901,866
9 108 $23,931 $6,991 $16,940 $3,884,925
10 109 $23,931 $6,960 $16,971 $3,867,955
10 110 $23,931 $6,930 $17,001 $3,850,953
10 111 $23,931 $6,900 $17,032 $3,833,922
10 112 $23,931 $6,869 $17,062 $3,816,859
10 113 $23,931 $6,839 $17,093 $3,799,767
10 114 $23,931 $6,808 $17,123 $3,782,643
10 115 $23,931 $6,777 $17,154 $3,765,489
10 116 $23,931 $6,747 $17,185 $3,748,304
10 117 $23,931 $6,716 $17,216 $3,731,089
10 118 $23,931 $6,685 $17,246 $3,713,842
10 119 $23,931 $6,654 $17,277 $3,696,565
10 120 $23,931 $6,623 $17,308 $3,679,257
11 121 $23,931 $6,592 $17,339 $3,661,917
11 122 $23,931 $6,561 $17,370 $3,644,547
11 123 $23,931 $6,530 $17,402 $3,627,145
11 124 $23,931 $6,499 $17,433 $3,609,713
11 125 $23,931 $6,467 $17,464 $3,592,249
11 126 $23,931 $6,436 $17,495 $3,574,754
11 127 $23,931 $6,405 $17,527 $3,557,227
11 128 $23,931 $6,373 $17,558 $3,539,669
11 129 $23,931 $6,342 $17,589 $3,522,080
11 130 $23,931 $6,310 $17,621 $3,504,459
11 131 $23,931 $6,279 $17,652 $3,486,806
11 132 $23,931 $6,247 $17,684 $3,469,122
12 133 $23,931 $6,216 $17,716 $3,451,406
12 134 $23,931 $6,184 $17,748 $3,433,659
12 135 $23,931 $6,152 $17,779 $3,415,880
12 136 $23,931 $6,120 $17,811 $3,398,068
12 137 $23,931 $6,088 $17,843 $3,380,225
12 138 $23,931 $6,056 $17,875 $3,362,350
12 139 $23,931 $6,024 $17,907 $3,344,443
12 140 $23,931 $5,992 $17,939 $3,326,504
12 141 $23,931 $5,960 $17,971 $3,308,532
12 142 $23,931 $5,928 $18,004 $3,290,529
12 143 $23,931 $5,896 $18,036 $3,272,493
12 144 $23,931 $5,863 $18,068 $3,254,425
13 145 $23,931 $5,831 $18,100 $3,236,325
13 146 $23,931 $5,798 $18,133 $3,218,192
13 147 $23,931 $5,766 $18,165 $3,200,026
13 148 $23,931 $5,733 $18,198 $3,181,828
13 149 $23,931 $5,701 $18,231 $3,163,598
13 150 $23,931 $5,668 $18,263 $3,145,335
13 151 $23,931 $5,635 $18,296 $3,127,039
13 152 $23,931 $5,603 $18,329 $3,108,710
13 153 $23,931 $5,570 $18,362 $3,090,348
13 154 $23,931 $5,537 $18,394 $3,071,954
13 155 $23,931 $5,504 $18,427 $3,053,527
13 156 $23,931 $5,471 $18,460 $3,035,066
14 157 $23,931 $5,438 $18,493 $3,016,573
14 158 $23,931 $5,405 $18,527 $2,998,046
14 159 $23,931 $5,371 $18,560 $2,979,486
14 160 $23,931 $5,338 $18,593 $2,960,893
14 161 $23,931 $5,305 $18,626 $2,942,267
14 162 $23,931 $5,272 $18,660 $2,923,607
14 163 $23,931 $5,238 $18,693 $2,904,914
14 164 $23,931 $5,205 $18,727 $2,886,187
14 165 $23,931 $5,171 $18,760 $2,867,427
14 166 $23,931 $5,137 $18,794 $2,848,633
14 167 $23,931 $5,104 $18,828 $2,829,806
14 168 $23,931 $5,070 $18,861 $2,810,944
15 169 $23,931 $5,036 $18,895 $2,792,049
15 170 $23,931 $5,002 $18,929 $2,773,120
15 171 $23,931 $4,969 $18,963 $2,754,158
15 172 $23,931 $4,935 $18,997 $2,735,161
15 173 $23,931 $4,900 $19,031 $2,716,130
15 174 $23,931 $4,866 $19,065 $2,697,065
15 175 $23,931 $4,832 $19,099 $2,677,966
15 176 $23,931 $4,798 $19,133 $2,658,833
15 177 $23,931 $4,764 $19,168 $2,639,665
15 178 $23,931 $4,729 $19,202 $2,620,463
15 179 $23,931 $4,695 $19,236 $2,601,227
15 180 $23,931 $4,661 $19,271 $2,581,956
16 181 $23,931 $4,626 $19,305 $2,562,651
16 182 $23,931 $4,591 $19,340 $2,543,311
16 183 $23,931 $4,557 $19,375 $2,523,936
16 184 $23,931 $4,522 $19,409 $2,504,527
16 185 $23,931 $4,487 $19,444 $2,485,083
16 186 $23,931 $4,452 $19,479 $2,465,604
16 187 $23,931 $4,418 $19,514 $2,446,090
16 188 $23,931 $4,383 $19,549 $2,426,542
16 189 $23,931 $4,348 $19,584 $2,406,958
16 190 $23,931 $4,312 $19,619 $2,387,339
16 191 $23,931 $4,277 $19,654 $2,367,685
16 192 $23,931 $4,242 $19,689 $2,347,996
17 193 $23,931 $4,207 $19,724 $2,328,271
17 194 $23,931 $4,171 $19,760 $2,308,511
17 195 $23,931 $4,136 $19,795 $2,288,716
17 196 $23,931 $4,101 $19,831 $2,268,886
17 197 $23,931 $4,065 $19,866 $2,249,019
17 198 $23,931 $4,029 $19,902 $2,229,117
17 199 $23,931 $3,994 $19,937 $2,209,180
17 200 $23,931 $3,958 $19,973 $2,189,207
17 201 $23,931 $3,922 $20,009 $2,169,198
17 202 $23,931 $3,886 $20,045 $2,149,153
17 203 $23,931 $3,851 $20,081 $2,129,072
17 204 $23,931 $3,815 $20,117 $2,108,956
18 205 $23,931 $3,779 $20,153 $2,088,803
18 206 $23,931 $3,742 $20,189 $2,068,614
18 207 $23,931 $3,706 $20,225 $2,048,389
18 208 $23,931 $3,670 $20,261 $2,028,128
18 209 $23,931 $3,634 $20,298 $2,007,830
18 210 $23,931 $3,597 $20,334 $1,987,496
18 211 $23,931 $3,561 $20,370 $1,967,126
18 212 $23,931 $3,524 $20,407 $1,946,719
18 213 $23,931 $3,488 $20,443 $1,926,275
18 214 $23,931 $3,451 $20,480 $1,905,795
18 215 $23,931 $3,415 $20,517 $1,885,278
18 216 $23,931 $3,378 $20,554 $1,864,725
19 217 $23,931 $3,341 $20,590 $1,844,135
19 218 $23,931 $3,304 $20,627 $1,823,507
19 219 $23,931 $3,267 $20,664 $1,802,843
19 220 $23,931 $3,230 $20,701 $1,782,142
19 221 $23,931 $3,193 $20,738 $1,761,404
19 222 $23,931 $3,156 $20,775 $1,740,628
19 223 $23,931 $3,119 $20,813 $1,719,815
19 224 $23,931 $3,081 $20,850 $1,698,965
19 225 $23,931 $3,044 $20,887 $1,678,078
19 226 $23,931 $3,007 $20,925 $1,657,153
19 227 $23,931 $2,969 $20,962 $1,636,191
19 228 $23,931 $2,932 $21,000 $1,615,191
20 229 $23,931 $2,894 $21,037 $1,594,154
20 230 $23,931 $2,856 $21,075 $1,573,079
20 231 $23,931 $2,818 $21,113 $1,551,966
20 232 $23,931 $2,781 $21,151 $1,530,815
20 233 $23,931 $2,743 $21,189 $1,509,626
20 234 $23,931 $2,705 $21,227 $1,488,400
20 235 $23,931 $2,667 $21,265 $1,467,135
20 236 $23,931 $2,629 $21,303 $1,445,833
20 237 $23,931 $2,590 $21,341 $1,424,492
20 238 $23,931 $2,552 $21,379 $1,403,113
20 239 $23,931 $2,514 $21,417 $1,381,695
20 240 $23,931 $2,476 $21,456 $1,360,239
21 241 $23,931 $2,437 $21,494 $1,338,745
21 242 $23,931 $2,399 $21,533 $1,317,213
21 243 $23,931 $2,360 $21,571 $1,295,641
21 244 $23,931 $2,321 $21,610 $1,274,031
21 245 $23,931 $2,283 $21,649 $1,252,383
21 246 $23,931 $2,244 $21,687 $1,230,695
21 247 $23,931 $2,205 $21,726 $1,208,969
21 248 $23,931 $2,166 $21,765 $1,187,204
21 249 $23,931 $2,127 $21,804 $1,165,399
21 250 $23,931 $2,088 $21,843 $1,143,556
21 251 $23,931 $2,049 $21,882 $1,121,674
21 252 $23,931 $2,010 $21,922 $1,099,752
22 253 $23,931 $1,970 $21,961 $1,077,791
22 254 $23,931 $1,931 $22,000 $1,055,791
22 255 $23,931 $1,892 $22,040 $1,033,751
22 256 $23,931 $1,852 $22,079 $1,011,672
22 257 $23,931 $1,813 $22,119 $989,553
22 258 $23,931 $1,773 $22,158 $967,395
22 259 $23,931 $1,733 $22,198 $945,197
22 260 $23,931 $1,693 $22,238 $922,959
22 261 $23,931 $1,654 $22,278 $900,681
22 262 $23,931 $1,614 $22,318 $878,364
22 263 $23,931 $1,574 $22,358 $856,006
22 264 $23,931 $1,534 $22,398 $833,608
23 265 $23,931 $1,494 $22,438 $811,171
23 266 $23,931 $1,453 $22,478 $788,693
23 267 $23,931 $1,413 $22,518 $766,174
23 268 $23,931 $1,373 $22,559 $743,616
23 269 $23,931 $1,332 $22,599 $721,017
23 270 $23,931 $1,292 $22,639 $698,377
23 271 $23,931 $1,251 $22,680 $675,697
23 272 $23,931 $1,211 $22,721 $652,976
23 273 $23,931 $1,170 $22,761 $630,215
23 274 $23,931 $1,129 $22,802 $607,413
23 275 $23,931 $1,088 $22,843 $584,570
23 276 $23,931 $1,047 $22,884 $561,686
24 277 $23,931 $1,006 $22,925 $538,761
24 278 $23,931 $965 $22,966 $515,795
24 279 $23,931 $924 $23,007 $492,788
24 280 $23,931 $883 $23,048 $469,739
24 281 $23,931 $842 $23,090 $446,650
24 282 $23,931 $800 $23,131 $423,519
24 283 $23,931 $759 $23,173 $400,346
24 284 $23,931 $717 $23,214 $377,132
24 285 $23,931 $676 $23,256 $353,876
24 286 $23,931 $634 $23,297 $330,579
24 287 $23,931 $592 $23,339 $307,240
24 288 $23,931 $550 $23,381 $283,859
25 289 $23,931 $509 $23,423 $260,436
25 290 $23,931 $467 $23,465 $236,972
25 291 $23,931 $425 $23,507 $213,465
25 292 $23,931 $382 $23,549 $189,916
25 293 $23,931 $340 $23,591 $166,325
25 294 $23,931 $298 $23,633 $142,692
25 295 $23,931 $256 $23,676 $119,016
25 296 $23,931 $213 $23,718 $95,298
25 297 $23,931 $171 $23,761 $71,537
25 298 $23,931 $128 $23,803 $47,734
25 299 $23,931 $86 $23,846 $23,889
25 300 $23,931 $43 $23,889 $0