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$ 2,960,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,034,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,960,000
 
Monthly Repayment (HKD)
$19,145
Loan Amount (HKD)
$4,440,000
+
Total Interest (HKD)
$1,303,516
=
Total Repayment (HKD)
$5,743,516
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $19,145 $7,955 $11,190 $4,428,810
1 2 $19,145 $7,935 $11,210 $4,417,600
1 3 $19,145 $7,915 $11,230 $4,406,370
1 4 $19,145 $7,895 $11,250 $4,395,119
1 5 $19,145 $7,875 $11,270 $4,383,849
1 6 $19,145 $7,854 $11,291 $4,372,558
1 7 $19,145 $7,834 $11,311 $4,361,247
1 8 $19,145 $7,814 $11,331 $4,349,916
1 9 $19,145 $7,794 $11,351 $4,338,565
1 10 $19,145 $7,773 $11,372 $4,327,193
1 11 $19,145 $7,753 $11,392 $4,315,801
1 12 $19,145 $7,732 $11,413 $4,304,388
2 13 $19,145 $7,712 $11,433 $4,292,955
2 14 $19,145 $7,692 $11,454 $4,281,502
2 15 $19,145 $7,671 $11,474 $4,270,028
2 16 $19,145 $7,650 $11,495 $4,258,533
2 17 $19,145 $7,630 $11,515 $4,247,018
2 18 $19,145 $7,609 $11,536 $4,235,482
2 19 $19,145 $7,589 $11,556 $4,223,926
2 20 $19,145 $7,568 $11,577 $4,212,348
2 21 $19,145 $7,547 $11,598 $4,200,750
2 22 $19,145 $7,526 $11,619 $4,189,132
2 23 $19,145 $7,506 $11,640 $4,177,492
2 24 $19,145 $7,485 $11,660 $4,165,832
3 25 $19,145 $7,464 $11,681 $4,154,151
3 26 $19,145 $7,443 $11,702 $4,142,448
3 27 $19,145 $7,422 $11,723 $4,130,725
3 28 $19,145 $7,401 $11,744 $4,118,981
3 29 $19,145 $7,380 $11,765 $4,107,216
3 30 $19,145 $7,359 $11,786 $4,095,430
3 31 $19,145 $7,338 $11,807 $4,083,622
3 32 $19,145 $7,316 $11,829 $4,071,794
3 33 $19,145 $7,295 $11,850 $4,059,944
3 34 $19,145 $7,274 $11,871 $4,048,073
3 35 $19,145 $7,253 $11,892 $4,036,181
3 36 $19,145 $7,231 $11,914 $4,024,267
4 37 $19,145 $7,210 $11,935 $4,012,332
4 38 $19,145 $7,189 $11,956 $4,000,376
4 39 $19,145 $7,167 $11,978 $3,988,398
4 40 $19,145 $7,146 $11,999 $3,976,399
4 41 $19,145 $7,124 $12,021 $3,964,378
4 42 $19,145 $7,103 $12,042 $3,952,336
4 43 $19,145 $7,081 $12,064 $3,940,272
4 44 $19,145 $7,060 $12,085 $3,928,187
4 45 $19,145 $7,038 $12,107 $3,916,080
4 46 $19,145 $7,016 $12,129 $3,903,951
4 47 $19,145 $6,995 $12,150 $3,891,801
4 48 $19,145 $6,973 $12,172 $3,879,628
5 49 $19,145 $6,951 $12,194 $3,867,434
5 50 $19,145 $6,929 $12,216 $3,855,218
5 51 $19,145 $6,907 $12,238 $3,842,981
5 52 $19,145 $6,885 $12,260 $3,830,721
5 53 $19,145 $6,863 $12,282 $3,818,439
5 54 $19,145 $6,841 $12,304 $3,806,135
5 55 $19,145 $6,819 $12,326 $3,793,810
5 56 $19,145 $6,797 $12,348 $3,781,462
5 57 $19,145 $6,775 $12,370 $3,769,092
5 58 $19,145 $6,753 $12,392 $3,756,700
5 59 $19,145 $6,731 $12,414 $3,744,286
5 60 $19,145 $6,709 $12,437 $3,731,849
6 61 $19,145 $6,686 $12,459 $3,719,390
6 62 $19,145 $6,664 $12,481 $3,706,909
6 63 $19,145 $6,642 $12,504 $3,694,406
6 64 $19,145 $6,619 $12,526 $3,681,880
6 65 $19,145 $6,597 $12,548 $3,669,331
6 66 $19,145 $6,574 $12,571 $3,656,761
6 67 $19,145 $6,552 $12,593 $3,644,167
6 68 $19,145 $6,529 $12,616 $3,631,551
6 69 $19,145 $6,507 $12,639 $3,618,913
6 70 $19,145 $6,484 $12,661 $3,606,252
6 71 $19,145 $6,461 $12,684 $3,593,568
6 72 $19,145 $6,438 $12,707 $3,580,861
7 73 $19,145 $6,416 $12,729 $3,568,132
7 74 $19,145 $6,393 $12,752 $3,555,380
7 75 $19,145 $6,370 $12,775 $3,542,605
7 76 $19,145 $6,347 $12,798 $3,529,807
7 77 $19,145 $6,324 $12,821 $3,516,986
7 78 $19,145 $6,301 $12,844 $3,504,142
7 79 $19,145 $6,278 $12,867 $3,491,275
7 80 $19,145 $6,255 $12,890 $3,478,385
7 81 $19,145 $6,232 $12,913 $3,465,473
7 82 $19,145 $6,209 $12,936 $3,452,536
7 83 $19,145 $6,186 $12,959 $3,439,577
7 84 $19,145 $6,163 $12,982 $3,426,595
8 85 $19,145 $6,139 $13,006 $3,413,589
8 86 $19,145 $6,116 $13,029 $3,400,560
8 87 $19,145 $6,093 $13,052 $3,387,508
8 88 $19,145 $6,069 $13,076 $3,374,432
8 89 $19,145 $6,046 $13,099 $3,361,333
8 90 $19,145 $6,022 $13,123 $3,348,210
8 91 $19,145 $5,999 $13,146 $3,335,064
8 92 $19,145 $5,975 $13,170 $3,321,894
8 93 $19,145 $5,952 $13,193 $3,308,701
8 94 $19,145 $5,928 $13,217 $3,295,484
8 95 $19,145 $5,904 $13,241 $3,282,243
8 96 $19,145 $5,881 $13,264 $3,268,979
9 97 $19,145 $5,857 $13,288 $3,255,691
9 98 $19,145 $5,833 $13,312 $3,242,379
9 99 $19,145 $5,809 $13,336 $3,229,043
9 100 $19,145 $5,785 $13,360 $3,215,683
9 101 $19,145 $5,761 $13,384 $3,202,300
9 102 $19,145 $5,737 $13,408 $3,188,892
9 103 $19,145 $5,713 $13,432 $3,175,460
9 104 $19,145 $5,689 $13,456 $3,162,005
9 105 $19,145 $5,665 $13,480 $3,148,525
9 106 $19,145 $5,641 $13,504 $3,135,021
9 107 $19,145 $5,617 $13,528 $3,121,493
9 108 $19,145 $5,593 $13,552 $3,107,940
10 109 $19,145 $5,568 $13,577 $3,094,364
10 110 $19,145 $5,544 $13,601 $3,080,763
10 111 $19,145 $5,520 $13,625 $3,067,137
10 112 $19,145 $5,495 $13,650 $3,053,488
10 113 $19,145 $5,471 $13,674 $3,039,813
10 114 $19,145 $5,446 $13,699 $3,026,115
10 115 $19,145 $5,422 $13,723 $3,012,391
10 116 $19,145 $5,397 $13,748 $2,998,644
10 117 $19,145 $5,373 $13,772 $2,984,871
10 118 $19,145 $5,348 $13,797 $2,971,074
10 119 $19,145 $5,323 $13,822 $2,957,252
10 120 $19,145 $5,298 $13,847 $2,943,405
11 121 $19,145 $5,274 $13,871 $2,929,534
11 122 $19,145 $5,249 $13,896 $2,915,638
11 123 $19,145 $5,224 $13,921 $2,901,716
11 124 $19,145 $5,199 $13,946 $2,887,770
11 125 $19,145 $5,174 $13,971 $2,873,799
11 126 $19,145 $5,149 $13,996 $2,859,803
11 127 $19,145 $5,124 $14,021 $2,845,782
11 128 $19,145 $5,099 $14,046 $2,831,735
11 129 $19,145 $5,074 $14,072 $2,817,664
11 130 $19,145 $5,048 $14,097 $2,803,567
11 131 $19,145 $5,023 $14,122 $2,789,445
11 132 $19,145 $4,998 $14,147 $2,775,298
12 133 $19,145 $4,972 $14,173 $2,761,125
12 134 $19,145 $4,947 $14,198 $2,746,927
12 135 $19,145 $4,922 $14,223 $2,732,704
12 136 $19,145 $4,896 $14,249 $2,718,455
12 137 $19,145 $4,871 $14,274 $2,704,180
12 138 $19,145 $4,845 $14,300 $2,689,880
12 139 $19,145 $4,819 $14,326 $2,675,554
12 140 $19,145 $4,794 $14,351 $2,661,203
12 141 $19,145 $4,768 $14,377 $2,646,826
12 142 $19,145 $4,742 $14,403 $2,632,423
12 143 $19,145 $4,716 $14,429 $2,617,995
12 144 $19,145 $4,691 $14,454 $2,603,540
13 145 $19,145 $4,665 $14,480 $2,589,060
13 146 $19,145 $4,639 $14,506 $2,574,553
13 147 $19,145 $4,613 $14,532 $2,560,021
13 148 $19,145 $4,587 $14,558 $2,545,463
13 149 $19,145 $4,561 $14,584 $2,530,878
13 150 $19,145 $4,534 $14,611 $2,516,268
13 151 $19,145 $4,508 $14,637 $2,501,631
13 152 $19,145 $4,482 $14,663 $2,486,968
13 153 $19,145 $4,456 $14,689 $2,472,279
13 154 $19,145 $4,429 $14,716 $2,457,563
13 155 $19,145 $4,403 $14,742 $2,442,821
13 156 $19,145 $4,377 $14,768 $2,428,053
14 157 $19,145 $4,350 $14,795 $2,413,258
14 158 $19,145 $4,324 $14,821 $2,398,437
14 159 $19,145 $4,297 $14,848 $2,383,589
14 160 $19,145 $4,271 $14,874 $2,368,715
14 161 $19,145 $4,244 $14,901 $2,353,813
14 162 $19,145 $4,217 $14,928 $2,338,886
14 163 $19,145 $4,191 $14,955 $2,323,931
14 164 $19,145 $4,164 $14,981 $2,308,950
14 165 $19,145 $4,137 $15,008 $2,293,942
14 166 $19,145 $4,110 $15,035 $2,278,906
14 167 $19,145 $4,083 $15,062 $2,263,844
14 168 $19,145 $4,056 $15,089 $2,248,755
15 169 $19,145 $4,029 $15,116 $2,233,639
15 170 $19,145 $4,002 $15,143 $2,218,496
15 171 $19,145 $3,975 $15,170 $2,203,326
15 172 $19,145 $3,948 $15,197 $2,188,129
15 173 $19,145 $3,920 $15,225 $2,172,904
15 174 $19,145 $3,893 $15,252 $2,157,652
15 175 $19,145 $3,866 $15,279 $2,142,373
15 176 $19,145 $3,838 $15,307 $2,127,066
15 177 $19,145 $3,811 $15,334 $2,111,732
15 178 $19,145 $3,784 $15,362 $2,096,371
15 179 $19,145 $3,756 $15,389 $2,080,982
15 180 $19,145 $3,728 $15,417 $2,065,565
16 181 $19,145 $3,701 $15,444 $2,050,121
16 182 $19,145 $3,673 $15,472 $2,034,649
16 183 $19,145 $3,645 $15,500 $2,019,149
16 184 $19,145 $3,618 $15,527 $2,003,622
16 185 $19,145 $3,590 $15,555 $1,988,066
16 186 $19,145 $3,562 $15,583 $1,972,483
16 187 $19,145 $3,534 $15,611 $1,956,872
16 188 $19,145 $3,506 $15,639 $1,941,233
16 189 $19,145 $3,478 $15,667 $1,925,566
16 190 $19,145 $3,450 $15,695 $1,909,871
16 191 $19,145 $3,422 $15,723 $1,894,148
16 192 $19,145 $3,394 $15,751 $1,878,397
17 193 $19,145 $3,365 $15,780 $1,862,617
17 194 $19,145 $3,337 $15,808 $1,846,809
17 195 $19,145 $3,309 $15,836 $1,830,973
17 196 $19,145 $3,280 $15,865 $1,815,108
17 197 $19,145 $3,252 $15,893 $1,799,215
17 198 $19,145 $3,224 $15,921 $1,783,294
17 199 $19,145 $3,195 $15,950 $1,767,344
17 200 $19,145 $3,166 $15,979 $1,751,365
17 201 $19,145 $3,138 $16,007 $1,735,358
17 202 $19,145 $3,109 $16,036 $1,719,322
17 203 $19,145 $3,080 $16,065 $1,703,258
17 204 $19,145 $3,052 $16,093 $1,687,164
18 205 $19,145 $3,023 $16,122 $1,671,042
18 206 $19,145 $2,994 $16,151 $1,654,891
18 207 $19,145 $2,965 $16,180 $1,638,711
18 208 $19,145 $2,936 $16,209 $1,622,502
18 209 $19,145 $2,907 $16,238 $1,606,264
18 210 $19,145 $2,878 $16,267 $1,589,997
18 211 $19,145 $2,849 $16,296 $1,573,700
18 212 $19,145 $2,820 $16,326 $1,557,375
18 213 $19,145 $2,790 $16,355 $1,541,020
18 214 $19,145 $2,761 $16,384 $1,524,636
18 215 $19,145 $2,732 $16,413 $1,508,223
18 216 $19,145 $2,702 $16,443 $1,491,780
19 217 $19,145 $2,673 $16,472 $1,475,308
19 218 $19,145 $2,643 $16,502 $1,458,806
19 219 $19,145 $2,614 $16,531 $1,442,274
19 220 $19,145 $2,584 $16,561 $1,425,713
19 221 $19,145 $2,554 $16,591 $1,409,123
19 222 $19,145 $2,525 $16,620 $1,392,502
19 223 $19,145 $2,495 $16,650 $1,375,852
19 224 $19,145 $2,465 $16,680 $1,359,172
19 225 $19,145 $2,435 $16,710 $1,342,462
19 226 $19,145 $2,405 $16,740 $1,325,723
19 227 $19,145 $2,375 $16,770 $1,308,953
19 228 $19,145 $2,345 $16,800 $1,292,153
20 229 $19,145 $2,315 $16,830 $1,275,323
20 230 $19,145 $2,285 $16,860 $1,258,463
20 231 $19,145 $2,255 $16,890 $1,241,573
20 232 $19,145 $2,224 $16,921 $1,224,652
20 233 $19,145 $2,194 $16,951 $1,207,701
20 234 $19,145 $2,164 $16,981 $1,190,720
20 235 $19,145 $2,133 $17,012 $1,173,708
20 236 $19,145 $2,103 $17,042 $1,156,666
20 237 $19,145 $2,072 $17,073 $1,139,593
20 238 $19,145 $2,042 $17,103 $1,122,490
20 239 $19,145 $2,011 $17,134 $1,105,356
20 240 $19,145 $1,980 $17,165 $1,088,192
21 241 $19,145 $1,950 $17,195 $1,070,996
21 242 $19,145 $1,919 $17,226 $1,053,770
21 243 $19,145 $1,888 $17,257 $1,036,513
21 244 $19,145 $1,857 $17,288 $1,019,225
21 245 $19,145 $1,826 $17,319 $1,001,906
21 246 $19,145 $1,795 $17,350 $984,556
21 247 $19,145 $1,764 $17,381 $967,175
21 248 $19,145 $1,733 $17,412 $949,763
21 249 $19,145 $1,702 $17,443 $932,319
21 250 $19,145 $1,670 $17,475 $914,845
21 251 $19,145 $1,639 $17,506 $897,339
21 252 $19,145 $1,608 $17,537 $879,801
22 253 $19,145 $1,576 $17,569 $862,233
22 254 $19,145 $1,545 $17,600 $844,633
22 255 $19,145 $1,513 $17,632 $827,001
22 256 $19,145 $1,482 $17,663 $809,337
22 257 $19,145 $1,450 $17,695 $791,642
22 258 $19,145 $1,418 $17,727 $773,916
22 259 $19,145 $1,387 $17,758 $756,157
22 260 $19,145 $1,355 $17,790 $738,367
22 261 $19,145 $1,323 $17,822 $720,545
22 262 $19,145 $1,291 $17,854 $702,691
22 263 $19,145 $1,259 $17,886 $684,805
22 264 $19,145 $1,227 $17,918 $666,887
23 265 $19,145 $1,195 $17,950 $648,936
23 266 $19,145 $1,163 $17,982 $630,954
23 267 $19,145 $1,130 $18,015 $612,939
23 268 $19,145 $1,098 $18,047 $594,893
23 269 $19,145 $1,066 $18,079 $576,813
23 270 $19,145 $1,033 $18,112 $558,702
23 271 $19,145 $1,001 $18,144 $540,558
23 272 $19,145 $968 $18,177 $522,381
23 273 $19,145 $936 $18,209 $504,172
23 274 $19,145 $903 $18,242 $485,930
23 275 $19,145 $871 $18,274 $467,656
23 276 $19,145 $838 $18,307 $449,349
24 277 $19,145 $805 $18,340 $431,009
24 278 $19,145 $772 $18,373 $412,636
24 279 $19,145 $739 $18,406 $394,230
24 280 $19,145 $706 $18,439 $375,791
24 281 $19,145 $673 $18,472 $357,320
24 282 $19,145 $640 $18,505 $338,815
24 283 $19,145 $607 $18,538 $320,277
24 284 $19,145 $574 $18,571 $301,706
24 285 $19,145 $541 $18,604 $283,101
24 286 $19,145 $507 $18,638 $264,463
24 287 $19,145 $474 $18,671 $245,792
24 288 $19,145 $440 $18,705 $227,087
25 289 $19,145 $407 $18,738 $208,349
25 290 $19,145 $373 $18,772 $189,577
25 291 $19,145 $340 $18,805 $170,772
25 292 $19,145 $306 $18,839 $151,933
25 293 $19,145 $272 $18,873 $133,060
25 294 $19,145 $238 $18,907 $114,153
25 295 $19,145 $205 $18,941 $95,213
25 296 $19,145 $171 $18,974 $76,238
25 297 $19,145 $137 $19,008 $57,230
25 298 $19,145 $103 $19,043 $38,187
25 299 $19,145 $68 $19,077 $19,111
25 300 $19,145 $34 $19,111 $0