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$ 3,272,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,353,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,272,000
 
Monthly Repayment (HKD)
$21,163
Loan Amount (HKD)
$4,908,000
+
Total Interest (HKD)
$1,440,914
=
Total Repayment (HKD)
$6,348,914
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $21,163 $8,794 $12,370 $4,895,630
1 2 $21,163 $8,771 $12,392 $4,883,239
1 3 $21,163 $8,749 $12,414 $4,870,825
1 4 $21,163 $8,727 $12,436 $4,858,389
1 5 $21,163 $8,705 $12,458 $4,845,930
1 6 $21,163 $8,682 $12,481 $4,833,449
1 7 $21,163 $8,660 $12,503 $4,820,946
1 8 $21,163 $8,638 $12,526 $4,808,421
1 9 $21,163 $8,615 $12,548 $4,795,873
1 10 $21,163 $8,593 $12,570 $4,783,302
1 11 $21,163 $8,570 $12,593 $4,770,710
1 12 $21,163 $8,548 $12,616 $4,758,094
2 13 $21,163 $8,525 $12,638 $4,745,456
2 14 $21,163 $8,502 $12,661 $4,732,795
2 15 $21,163 $8,480 $12,683 $4,720,112
2 16 $21,163 $8,457 $12,706 $4,707,405
2 17 $21,163 $8,434 $12,729 $4,694,677
2 18 $21,163 $8,411 $12,752 $4,681,925
2 19 $21,163 $8,388 $12,775 $4,669,150
2 20 $21,163 $8,366 $12,797 $4,656,353
2 21 $21,163 $8,343 $12,820 $4,643,532
2 22 $21,163 $8,320 $12,843 $4,630,689
2 23 $21,163 $8,297 $12,866 $4,617,822
2 24 $21,163 $8,274 $12,889 $4,604,933
3 25 $21,163 $8,251 $12,913 $4,592,020
3 26 $21,163 $8,227 $12,936 $4,579,085
3 27 $21,163 $8,204 $12,959 $4,566,126
3 28 $21,163 $8,181 $12,982 $4,553,144
3 29 $21,163 $8,158 $13,005 $4,540,139
3 30 $21,163 $8,134 $13,029 $4,527,110
3 31 $21,163 $8,111 $13,052 $4,514,058
3 32 $21,163 $8,088 $13,075 $4,500,983
3 33 $21,163 $8,064 $13,099 $4,487,884
3 34 $21,163 $8,041 $13,122 $4,474,762
3 35 $21,163 $8,017 $13,146 $4,461,616
3 36 $21,163 $7,994 $13,169 $4,448,446
4 37 $21,163 $7,970 $13,193 $4,435,254
4 38 $21,163 $7,946 $13,217 $4,422,037
4 39 $21,163 $7,923 $13,240 $4,408,797
4 40 $21,163 $7,899 $13,264 $4,395,533
4 41 $21,163 $7,875 $13,288 $4,382,245
4 42 $21,163 $7,852 $13,312 $4,368,934
4 43 $21,163 $7,828 $13,335 $4,355,598
4 44 $21,163 $7,804 $13,359 $4,342,239
4 45 $21,163 $7,780 $13,383 $4,328,856
4 46 $21,163 $7,756 $13,407 $4,315,449
4 47 $21,163 $7,732 $13,431 $4,302,017
4 48 $21,163 $7,708 $13,455 $4,288,562
5 49 $21,163 $7,684 $13,479 $4,275,083
5 50 $21,163 $7,660 $13,504 $4,261,579
5 51 $21,163 $7,635 $13,528 $4,248,051
5 52 $21,163 $7,611 $13,552 $4,234,500
5 53 $21,163 $7,587 $13,576 $4,220,923
5 54 $21,163 $7,562 $13,601 $4,207,323
5 55 $21,163 $7,538 $13,625 $4,193,698
5 56 $21,163 $7,514 $13,649 $4,180,048
5 57 $21,163 $7,489 $13,674 $4,166,375
5 58 $21,163 $7,465 $13,698 $4,152,676
5 59 $21,163 $7,440 $13,723 $4,138,954
5 60 $21,163 $7,416 $13,747 $4,125,206
6 61 $21,163 $7,391 $13,772 $4,111,434
6 62 $21,163 $7,366 $13,797 $4,097,637
6 63 $21,163 $7,342 $13,821 $4,083,816
6 64 $21,163 $7,317 $13,846 $4,069,970
6 65 $21,163 $7,292 $13,871 $4,056,099
6 66 $21,163 $7,267 $13,896 $4,042,203
6 67 $21,163 $7,242 $13,921 $4,028,282
6 68 $21,163 $7,217 $13,946 $4,014,336
6 69 $21,163 $7,192 $13,971 $4,000,366
6 70 $21,163 $7,167 $13,996 $3,986,370
6 71 $21,163 $7,142 $14,021 $3,972,349
6 72 $21,163 $7,117 $14,046 $3,958,303
7 73 $21,163 $7,092 $14,071 $3,944,232
7 74 $21,163 $7,067 $14,096 $3,930,136
7 75 $21,163 $7,041 $14,122 $3,916,014
7 76 $21,163 $7,016 $14,147 $3,901,867
7 77 $21,163 $6,991 $14,172 $3,887,695
7 78 $21,163 $6,965 $14,198 $3,873,498
7 79 $21,163 $6,940 $14,223 $3,859,275
7 80 $21,163 $6,915 $14,249 $3,845,026
7 81 $21,163 $6,889 $14,274 $3,830,752
7 82 $21,163 $6,863 $14,300 $3,816,452
7 83 $21,163 $6,838 $14,325 $3,802,127
7 84 $21,163 $6,812 $14,351 $3,787,776
8 85 $21,163 $6,786 $14,377 $3,773,400
8 86 $21,163 $6,761 $14,402 $3,758,997
8 87 $21,163 $6,735 $14,428 $3,744,569
8 88 $21,163 $6,709 $14,454 $3,730,115
8 89 $21,163 $6,683 $14,480 $3,715,635
8 90 $21,163 $6,657 $14,506 $3,701,129
8 91 $21,163 $6,631 $14,532 $3,686,597
8 92 $21,163 $6,605 $14,558 $3,672,040
8 93 $21,163 $6,579 $14,584 $3,657,456
8 94 $21,163 $6,553 $14,610 $3,642,845
8 95 $21,163 $6,527 $14,636 $3,628,209
8 96 $21,163 $6,501 $14,663 $3,613,547
9 97 $21,163 $6,474 $14,689 $3,598,858
9 98 $21,163 $6,448 $14,715 $3,584,143
9 99 $21,163 $6,422 $14,741 $3,569,401
9 100 $21,163 $6,395 $14,768 $3,554,634
9 101 $21,163 $6,369 $14,794 $3,539,839
9 102 $21,163 $6,342 $14,821 $3,525,018
9 103 $21,163 $6,316 $14,847 $3,510,171
9 104 $21,163 $6,289 $14,874 $3,495,297
9 105 $21,163 $6,262 $14,901 $3,480,396
9 106 $21,163 $6,236 $14,927 $3,465,469
9 107 $21,163 $6,209 $14,954 $3,450,515
9 108 $21,163 $6,182 $14,981 $3,435,534
10 109 $21,163 $6,155 $15,008 $3,420,526
10 110 $21,163 $6,128 $15,035 $3,405,492
10 111 $21,163 $6,102 $15,062 $3,390,430
10 112 $21,163 $6,075 $15,089 $3,375,342
10 113 $21,163 $6,047 $15,116 $3,360,226
10 114 $21,163 $6,020 $15,143 $3,345,083
10 115 $21,163 $5,993 $15,170 $3,329,914
10 116 $21,163 $5,966 $15,197 $3,314,717
10 117 $21,163 $5,939 $15,224 $3,299,493
10 118 $21,163 $5,912 $15,251 $3,284,241
10 119 $21,163 $5,884 $15,279 $3,268,962
10 120 $21,163 $5,857 $15,306 $3,253,656
11 121 $21,163 $5,829 $15,334 $3,238,323
11 122 $21,163 $5,802 $15,361 $3,222,962
11 123 $21,163 $5,774 $15,389 $3,207,573
11 124 $21,163 $5,747 $15,416 $3,192,157
11 125 $21,163 $5,719 $15,444 $3,176,713
11 126 $21,163 $5,692 $15,471 $3,161,242
11 127 $21,163 $5,664 $15,499 $3,145,742
11 128 $21,163 $5,636 $15,527 $3,130,216
11 129 $21,163 $5,608 $15,555 $3,114,661
11 130 $21,163 $5,580 $15,583 $3,099,078
11 131 $21,163 $5,553 $15,611 $3,083,468
11 132 $21,163 $5,525 $15,638 $3,067,829
12 133 $21,163 $5,497 $15,667 $3,052,163
12 134 $21,163 $5,468 $15,695 $3,036,468
12 135 $21,163 $5,440 $15,723 $3,020,745
12 136 $21,163 $5,412 $15,751 $3,004,994
12 137 $21,163 $5,384 $15,779 $2,989,215
12 138 $21,163 $5,356 $15,807 $2,973,408
12 139 $21,163 $5,327 $15,836 $2,957,572
12 140 $21,163 $5,299 $15,864 $2,941,708
12 141 $21,163 $5,271 $15,892 $2,925,816
12 142 $21,163 $5,242 $15,921 $2,909,895
12 143 $21,163 $5,214 $15,949 $2,893,945
12 144 $21,163 $5,185 $15,978 $2,877,967
13 145 $21,163 $5,156 $16,007 $2,861,961
13 146 $21,163 $5,128 $16,035 $2,845,925
13 147 $21,163 $5,099 $16,064 $2,829,861
13 148 $21,163 $5,070 $16,093 $2,813,768
13 149 $21,163 $5,041 $16,122 $2,797,647
13 150 $21,163 $5,012 $16,151 $2,781,496
13 151 $21,163 $4,984 $16,180 $2,765,316
13 152 $21,163 $4,955 $16,209 $2,749,108
13 153 $21,163 $4,925 $16,238 $2,732,870
13 154 $21,163 $4,896 $16,267 $2,716,604
13 155 $21,163 $4,867 $16,296 $2,700,308
13 156 $21,163 $4,838 $16,325 $2,683,983
14 157 $21,163 $4,809 $16,354 $2,667,629
14 158 $21,163 $4,780 $16,384 $2,651,245
14 159 $21,163 $4,750 $16,413 $2,634,832
14 160 $21,163 $4,721 $16,442 $2,618,390
14 161 $21,163 $4,691 $16,472 $2,601,918
14 162 $21,163 $4,662 $16,501 $2,585,417
14 163 $21,163 $4,632 $16,531 $2,568,886
14 164 $21,163 $4,603 $16,560 $2,552,326
14 165 $21,163 $4,573 $16,590 $2,535,735
14 166 $21,163 $4,543 $16,620 $2,519,116
14 167 $21,163 $4,513 $16,650 $2,502,466
14 168 $21,163 $4,484 $16,679 $2,485,786
15 169 $21,163 $4,454 $16,709 $2,469,077
15 170 $21,163 $4,424 $16,739 $2,452,338
15 171 $21,163 $4,394 $16,769 $2,435,569
15 172 $21,163 $4,364 $16,799 $2,418,769
15 173 $21,163 $4,334 $16,829 $2,401,940
15 174 $21,163 $4,303 $16,860 $2,385,080
15 175 $21,163 $4,273 $16,890 $2,368,190
15 176 $21,163 $4,243 $16,920 $2,351,270
15 177 $21,163 $4,213 $16,950 $2,334,320
15 178 $21,163 $4,182 $16,981 $2,317,339
15 179 $21,163 $4,152 $17,011 $2,300,328
15 180 $21,163 $4,121 $17,042 $2,283,287
16 181 $21,163 $4,091 $17,072 $2,266,214
16 182 $21,163 $4,060 $17,103 $2,249,112
16 183 $21,163 $4,030 $17,133 $2,231,978
16 184 $21,163 $3,999 $17,164 $2,214,814
16 185 $21,163 $3,968 $17,195 $2,197,619
16 186 $21,163 $3,937 $17,226 $2,180,394
16 187 $21,163 $3,907 $17,257 $2,163,137
16 188 $21,163 $3,876 $17,287 $2,145,850
16 189 $21,163 $3,845 $17,318 $2,128,531
16 190 $21,163 $3,814 $17,349 $2,111,182
16 191 $21,163 $3,783 $17,381 $2,093,801
16 192 $21,163 $3,751 $17,412 $2,076,390
17 193 $21,163 $3,720 $17,443 $2,058,947
17 194 $21,163 $3,689 $17,474 $2,041,473
17 195 $21,163 $3,658 $17,505 $2,023,967
17 196 $21,163 $3,626 $17,537 $2,006,431
17 197 $21,163 $3,595 $17,568 $1,988,862
17 198 $21,163 $3,563 $17,600 $1,971,263
17 199 $21,163 $3,532 $17,631 $1,953,632
17 200 $21,163 $3,500 $17,663 $1,935,969
17 201 $21,163 $3,469 $17,694 $1,918,274
17 202 $21,163 $3,437 $17,726 $1,900,548
17 203 $21,163 $3,405 $17,758 $1,882,790
17 204 $21,163 $3,373 $17,790 $1,865,001
18 205 $21,163 $3,341 $17,822 $1,847,179
18 206 $21,163 $3,310 $17,854 $1,829,326
18 207 $21,163 $3,278 $17,886 $1,811,440
18 208 $21,163 $3,245 $17,918 $1,793,522
18 209 $21,163 $3,213 $17,950 $1,775,573
18 210 $21,163 $3,181 $17,982 $1,757,591
18 211 $21,163 $3,149 $18,014 $1,739,577
18 212 $21,163 $3,117 $18,046 $1,721,531
18 213 $21,163 $3,084 $18,079 $1,703,452
18 214 $21,163 $3,052 $18,111 $1,685,341
18 215 $21,163 $3,020 $18,143 $1,667,198
18 216 $21,163 $2,987 $18,176 $1,649,022
19 217 $21,163 $2,954 $18,209 $1,630,813
19 218 $21,163 $2,922 $18,241 $1,612,572
19 219 $21,163 $2,889 $18,274 $1,594,298
19 220 $21,163 $2,856 $18,307 $1,575,991
19 221 $21,163 $2,824 $18,339 $1,557,652
19 222 $21,163 $2,791 $18,372 $1,539,280
19 223 $21,163 $2,758 $18,405 $1,520,875
19 224 $21,163 $2,725 $18,438 $1,502,436
19 225 $21,163 $2,692 $18,471 $1,483,965
19 226 $21,163 $2,659 $18,504 $1,465,461
19 227 $21,163 $2,626 $18,537 $1,446,924
19 228 $21,163 $2,592 $18,571 $1,428,353
20 229 $21,163 $2,559 $18,604 $1,409,749
20 230 $21,163 $2,526 $18,637 $1,391,112
20 231 $21,163 $2,492 $18,671 $1,372,441
20 232 $21,163 $2,459 $18,704 $1,353,737
20 233 $21,163 $2,425 $18,738 $1,334,999
20 234 $21,163 $2,392 $18,771 $1,316,228
20 235 $21,163 $2,358 $18,805 $1,297,423
20 236 $21,163 $2,325 $18,838 $1,278,585
20 237 $21,163 $2,291 $18,872 $1,259,713
20 238 $21,163 $2,257 $18,906 $1,240,807
20 239 $21,163 $2,223 $18,940 $1,221,867
20 240 $21,163 $2,189 $18,974 $1,202,893
21 241 $21,163 $2,155 $19,008 $1,183,885
21 242 $21,163 $2,121 $19,042 $1,164,843
21 243 $21,163 $2,087 $19,076 $1,145,767
21 244 $21,163 $2,053 $19,110 $1,126,657
21 245 $21,163 $2,019 $19,144 $1,107,512
21 246 $21,163 $1,984 $19,179 $1,088,334
21 247 $21,163 $1,950 $19,213 $1,069,120
21 248 $21,163 $1,916 $19,248 $1,049,873
21 249 $21,163 $1,881 $19,282 $1,030,591
21 250 $21,163 $1,846 $19,317 $1,011,274
21 251 $21,163 $1,812 $19,351 $991,923
21 252 $21,163 $1,777 $19,386 $972,537
22 253 $21,163 $1,742 $19,421 $953,117
22 254 $21,163 $1,708 $19,455 $933,661
22 255 $21,163 $1,673 $19,490 $914,171
22 256 $21,163 $1,638 $19,525 $894,646
22 257 $21,163 $1,603 $19,560 $875,086
22 258 $21,163 $1,568 $19,595 $855,491
22 259 $21,163 $1,533 $19,630 $835,860
22 260 $21,163 $1,498 $19,665 $816,195
22 261 $21,163 $1,462 $19,701 $796,494
22 262 $21,163 $1,427 $19,736 $776,758
22 263 $21,163 $1,392 $19,771 $756,987
22 264 $21,163 $1,356 $19,807 $737,180
23 265 $21,163 $1,321 $19,842 $717,338
23 266 $21,163 $1,285 $19,878 $697,460
23 267 $21,163 $1,250 $19,913 $677,547
23 268 $21,163 $1,214 $19,949 $657,597
23 269 $21,163 $1,178 $19,985 $637,613
23 270 $21,163 $1,142 $20,021 $617,592
23 271 $21,163 $1,107 $20,057 $597,535
23 272 $21,163 $1,071 $20,092 $577,443
23 273 $21,163 $1,035 $20,128 $557,315
23 274 $21,163 $999 $20,165 $537,150
23 275 $21,163 $962 $20,201 $516,949
23 276 $21,163 $926 $20,237 $496,712
24 277 $21,163 $890 $20,273 $476,439
24 278 $21,163 $854 $20,309 $456,130
24 279 $21,163 $817 $20,346 $435,784
24 280 $21,163 $781 $20,382 $415,402
24 281 $21,163 $744 $20,419 $394,983
24 282 $21,163 $708 $20,455 $374,528
24 283 $21,163 $671 $20,492 $354,036
24 284 $21,163 $634 $20,529 $333,507
24 285 $21,163 $598 $20,566 $312,941
24 286 $21,163 $561 $20,602 $292,339
24 287 $21,163 $524 $20,639 $271,700
24 288 $21,163 $487 $20,676 $251,024
25 289 $21,163 $450 $20,713 $230,310
25 290 $21,163 $413 $20,750 $209,560
25 291 $21,163 $375 $20,788 $188,772
25 292 $21,163 $338 $20,825 $167,947
25 293 $21,163 $301 $20,862 $147,085
25 294 $21,163 $264 $20,900 $126,186
25 295 $21,163 $226 $20,937 $105,249
25 296 $21,163 $189 $20,974 $84,274
25 297 $21,163 $151 $21,012 $63,262
25 298 $21,163 $113 $21,050 $42,213
25 299 $21,163 $76 $21,087 $21,125
25 300 $21,163 $38 $21,125 $0