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$ 4,272,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 4,378,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$4,272,000
 
Monthly Repayment (HKD)
$27,631
Loan Amount (HKD)
$6,408,000
+
Total Interest (HKD)
$1,881,291
=
Total Repayment (HKD)
$8,289,291
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $27,631 $11,481 $16,150 $6,391,850
1 2 $27,631 $11,452 $16,179 $6,375,671
1 3 $27,631 $11,423 $16,208 $6,359,463
1 4 $27,631 $11,394 $16,237 $6,343,226
1 5 $27,631 $11,365 $16,266 $6,326,960
1 6 $27,631 $11,336 $16,295 $6,310,665
1 7 $27,631 $11,307 $16,324 $6,294,341
1 8 $27,631 $11,277 $16,354 $6,277,987
1 9 $27,631 $11,248 $16,383 $6,261,604
1 10 $27,631 $11,219 $16,412 $6,245,192
1 11 $27,631 $11,189 $16,442 $6,228,750
1 12 $27,631 $11,160 $16,471 $6,212,279
2 13 $27,631 $11,130 $16,501 $6,195,779
2 14 $27,631 $11,101 $16,530 $6,179,248
2 15 $27,631 $11,071 $16,560 $6,162,689
2 16 $27,631 $11,041 $16,589 $6,146,099
2 17 $27,631 $11,012 $16,619 $6,129,480
2 18 $27,631 $10,982 $16,649 $6,112,831
2 19 $27,631 $10,952 $16,679 $6,096,152
2 20 $27,631 $10,922 $16,709 $6,079,443
2 21 $27,631 $10,892 $16,739 $6,062,705
2 22 $27,631 $10,862 $16,769 $6,045,936
2 23 $27,631 $10,832 $16,799 $6,029,137
2 24 $27,631 $10,802 $16,829 $6,012,309
3 25 $27,631 $10,772 $16,859 $5,995,450
3 26 $27,631 $10,742 $16,889 $5,978,561
3 27 $27,631 $10,712 $16,919 $5,961,641
3 28 $27,631 $10,681 $16,950 $5,944,692
3 29 $27,631 $10,651 $16,980 $5,927,711
3 30 $27,631 $10,620 $17,010 $5,910,701
3 31 $27,631 $10,590 $17,041 $5,893,660
3 32 $27,631 $10,559 $17,071 $5,876,589
3 33 $27,631 $10,529 $17,102 $5,859,486
3 34 $27,631 $10,498 $17,133 $5,842,354
3 35 $27,631 $10,468 $17,163 $5,825,190
3 36 $27,631 $10,437 $17,194 $5,807,996
4 37 $27,631 $10,406 $17,225 $5,790,771
4 38 $27,631 $10,375 $17,256 $5,773,515
4 39 $27,631 $10,344 $17,287 $5,756,229
4 40 $27,631 $10,313 $17,318 $5,738,911
4 41 $27,631 $10,282 $17,349 $5,721,562
4 42 $27,631 $10,251 $17,380 $5,704,182
4 43 $27,631 $10,220 $17,411 $5,686,771
4 44 $27,631 $10,189 $17,442 $5,669,329
4 45 $27,631 $10,158 $17,473 $5,651,856
4 46 $27,631 $10,126 $17,505 $5,634,351
4 47 $27,631 $10,095 $17,536 $5,616,815
4 48 $27,631 $10,063 $17,568 $5,599,247
5 49 $27,631 $10,032 $17,599 $5,581,648
5 50 $27,631 $10,000 $17,631 $5,564,018
5 51 $27,631 $9,969 $17,662 $5,546,356
5 52 $27,631 $9,937 $17,694 $5,528,662
5 53 $27,631 $9,906 $17,725 $5,510,937
5 54 $27,631 $9,874 $17,757 $5,493,179
5 55 $27,631 $9,842 $17,789 $5,475,390
5 56 $27,631 $9,810 $17,821 $5,457,569
5 57 $27,631 $9,778 $17,853 $5,439,717
5 58 $27,631 $9,746 $17,885 $5,421,832
5 59 $27,631 $9,714 $17,917 $5,403,915
5 60 $27,631 $9,682 $17,949 $5,385,966
6 61 $27,631 $9,650 $17,981 $5,367,985
6 62 $27,631 $9,618 $18,013 $5,349,972
6 63 $27,631 $9,585 $18,046 $5,331,926
6 64 $27,631 $9,553 $18,078 $5,313,848
6 65 $27,631 $9,521 $18,110 $5,295,738
6 66 $27,631 $9,488 $18,143 $5,277,595
6 67 $27,631 $9,456 $18,175 $5,259,420
6 68 $27,631 $9,423 $18,208 $5,241,212
6 69 $27,631 $9,391 $18,240 $5,222,971
6 70 $27,631 $9,358 $18,273 $5,204,698
6 71 $27,631 $9,325 $18,306 $5,186,392
6 72 $27,631 $9,292 $18,339 $5,168,054
7 73 $27,631 $9,259 $18,372 $5,149,682
7 74 $27,631 $9,227 $18,404 $5,131,278
7 75 $27,631 $9,194 $18,437 $5,112,840
7 76 $27,631 $9,161 $18,470 $5,094,370
7 77 $27,631 $9,127 $18,504 $5,075,866
7 78 $27,631 $9,094 $18,537 $5,057,329
7 79 $27,631 $9,061 $18,570 $5,038,760
7 80 $27,631 $9,028 $18,603 $5,020,156
7 81 $27,631 $8,994 $18,637 $5,001,520
7 82 $27,631 $8,961 $18,670 $4,982,850
7 83 $27,631 $8,928 $18,703 $4,964,147
7 84 $27,631 $8,894 $18,737 $4,945,410
8 85 $27,631 $8,861 $18,770 $4,926,639
8 86 $27,631 $8,827 $18,804 $4,907,835
8 87 $27,631 $8,793 $18,838 $4,888,997
8 88 $27,631 $8,759 $18,872 $4,870,126
8 89 $27,631 $8,726 $18,905 $4,851,221
8 90 $27,631 $8,692 $18,939 $4,832,281
8 91 $27,631 $8,658 $18,973 $4,813,308
8 92 $27,631 $8,624 $19,007 $4,794,301
8 93 $27,631 $8,590 $19,041 $4,775,260
8 94 $27,631 $8,556 $19,075 $4,756,185
8 95 $27,631 $8,521 $19,109 $4,737,075
8 96 $27,631 $8,487 $19,144 $4,717,931
9 97 $27,631 $8,453 $19,178 $4,698,753
9 98 $27,631 $8,419 $19,212 $4,679,541
9 99 $27,631 $8,384 $19,247 $4,660,294
9 100 $27,631 $8,350 $19,281 $4,641,013
9 101 $27,631 $8,315 $19,316 $4,621,697
9 102 $27,631 $8,281 $19,350 $4,602,347
9 103 $27,631 $8,246 $19,385 $4,582,962
9 104 $27,631 $8,211 $19,420 $4,563,542
9 105 $27,631 $8,176 $19,455 $4,544,087
9 106 $27,631 $8,141 $19,489 $4,524,598
9 107 $27,631 $8,107 $19,524 $4,505,073
9 108 $27,631 $8,072 $19,559 $4,485,514
10 109 $27,631 $8,037 $19,594 $4,465,919
10 110 $27,631 $8,001 $19,630 $4,446,290
10 111 $27,631 $7,966 $19,665 $4,426,625
10 112 $27,631 $7,931 $19,700 $4,406,925
10 113 $27,631 $7,896 $19,735 $4,387,190
10 114 $27,631 $7,860 $19,771 $4,367,419
10 115 $27,631 $7,825 $19,806 $4,347,613
10 116 $27,631 $7,789 $19,841 $4,327,772
10 117 $27,631 $7,754 $19,877 $4,307,895
10 118 $27,631 $7,718 $19,913 $4,287,982
10 119 $27,631 $7,683 $19,948 $4,268,034
10 120 $27,631 $7,647 $19,984 $4,248,050
11 121 $27,631 $7,611 $20,020 $4,228,030
11 122 $27,631 $7,575 $20,056 $4,207,974
11 123 $27,631 $7,539 $20,092 $4,187,883
11 124 $27,631 $7,503 $20,128 $4,167,755
11 125 $27,631 $7,467 $20,164 $4,147,591
11 126 $27,631 $7,431 $20,200 $4,127,391
11 127 $27,631 $7,395 $20,236 $4,107,155
11 128 $27,631 $7,359 $20,272 $4,086,883
11 129 $27,631 $7,322 $20,309 $4,066,574
11 130 $27,631 $7,286 $20,345 $4,046,229
11 131 $27,631 $7,249 $20,381 $4,025,848
11 132 $27,631 $7,213 $20,418 $4,005,430
12 133 $27,631 $7,176 $20,455 $3,984,975
12 134 $27,631 $7,140 $20,491 $3,964,484
12 135 $27,631 $7,103 $20,528 $3,943,956
12 136 $27,631 $7,066 $20,565 $3,923,391
12 137 $27,631 $7,029 $20,602 $3,902,790
12 138 $27,631 $6,992 $20,638 $3,882,151
12 139 $27,631 $6,956 $20,675 $3,861,476
12 140 $27,631 $6,918 $20,712 $3,840,763
12 141 $27,631 $6,881 $20,750 $3,820,014
12 142 $27,631 $6,844 $20,787 $3,799,227
12 143 $27,631 $6,807 $20,824 $3,778,403
12 144 $27,631 $6,770 $20,861 $3,757,542
13 145 $27,631 $6,732 $20,899 $3,736,643
13 146 $27,631 $6,695 $20,936 $3,715,707
13 147 $27,631 $6,657 $20,974 $3,694,733
13 148 $27,631 $6,620 $21,011 $3,673,722
13 149 $27,631 $6,582 $21,049 $3,652,673
13 150 $27,631 $6,544 $21,087 $3,631,586
13 151 $27,631 $6,507 $21,124 $3,610,462
13 152 $27,631 $6,469 $21,162 $3,589,300
13 153 $27,631 $6,431 $21,200 $3,568,100
13 154 $27,631 $6,393 $21,238 $3,546,861
13 155 $27,631 $6,355 $21,276 $3,525,585
13 156 $27,631 $6,317 $21,314 $3,504,271
14 157 $27,631 $6,278 $21,352 $3,482,919
14 158 $27,631 $6,240 $21,391 $3,461,528
14 159 $27,631 $6,202 $21,429 $3,440,099
14 160 $27,631 $6,164 $21,467 $3,418,631
14 161 $27,631 $6,125 $21,506 $3,397,125
14 162 $27,631 $6,087 $21,544 $3,375,581
14 163 $27,631 $6,048 $21,583 $3,353,998
14 164 $27,631 $6,009 $21,622 $3,332,376
14 165 $27,631 $5,971 $21,660 $3,310,716
14 166 $27,631 $5,932 $21,699 $3,289,016
14 167 $27,631 $5,893 $21,738 $3,267,278
14 168 $27,631 $5,854 $21,777 $3,245,501
15 169 $27,631 $5,815 $21,816 $3,223,685
15 170 $27,631 $5,776 $21,855 $3,201,830
15 171 $27,631 $5,737 $21,894 $3,179,935
15 172 $27,631 $5,697 $21,934 $3,158,002
15 173 $27,631 $5,658 $21,973 $3,136,029
15 174 $27,631 $5,619 $22,012 $3,114,017
15 175 $27,631 $5,579 $22,052 $3,091,965
15 176 $27,631 $5,540 $22,091 $3,069,874
15 177 $27,631 $5,500 $22,131 $3,047,743
15 178 $27,631 $5,461 $22,170 $3,025,573
15 179 $27,631 $5,421 $22,210 $3,003,363
15 180 $27,631 $5,381 $22,250 $2,981,113
16 181 $27,631 $5,341 $22,290 $2,958,823
16 182 $27,631 $5,301 $22,330 $2,936,493
16 183 $27,631 $5,261 $22,370 $2,914,123
16 184 $27,631 $5,221 $22,410 $2,891,713
16 185 $27,631 $5,181 $22,450 $2,869,263
16 186 $27,631 $5,141 $22,490 $2,846,773
16 187 $27,631 $5,100 $22,531 $2,824,243
16 188 $27,631 $5,060 $22,571 $2,801,672
16 189 $27,631 $5,020 $22,611 $2,779,061
16 190 $27,631 $4,979 $22,652 $2,756,409
16 191 $27,631 $4,939 $22,692 $2,733,716
16 192 $27,631 $4,898 $22,733 $2,710,983
17 193 $27,631 $4,857 $22,774 $2,688,209
17 194 $27,631 $4,816 $22,815 $2,665,395
17 195 $27,631 $4,775 $22,855 $2,642,539
17 196 $27,631 $4,735 $22,896 $2,619,643
17 197 $27,631 $4,694 $22,937 $2,596,706
17 198 $27,631 $4,652 $22,979 $2,573,727
17 199 $27,631 $4,611 $23,020 $2,550,707
17 200 $27,631 $4,570 $23,061 $2,527,646
17 201 $27,631 $4,529 $23,102 $2,504,544
17 202 $27,631 $4,487 $23,144 $2,481,400
17 203 $27,631 $4,446 $23,185 $2,458,215
17 204 $27,631 $4,404 $23,227 $2,434,989
18 205 $27,631 $4,363 $23,268 $2,411,720
18 206 $27,631 $4,321 $23,310 $2,388,410
18 207 $27,631 $4,279 $23,352 $2,365,059
18 208 $27,631 $4,237 $23,394 $2,341,665
18 209 $27,631 $4,195 $23,435 $2,318,230
18 210 $27,631 $4,153 $23,477 $2,294,752
18 211 $27,631 $4,111 $23,520 $2,271,233
18 212 $27,631 $4,069 $23,562 $2,247,671
18 213 $27,631 $4,027 $23,604 $2,224,067
18 214 $27,631 $3,985 $23,646 $2,200,421
18 215 $27,631 $3,942 $23,689 $2,176,732
18 216 $27,631 $3,900 $23,731 $2,153,001
19 217 $27,631 $3,857 $23,774 $2,129,228
19 218 $27,631 $3,815 $23,816 $2,105,412
19 219 $27,631 $3,772 $23,859 $2,081,553
19 220 $27,631 $3,729 $23,902 $2,057,651
19 221 $27,631 $3,687 $23,944 $2,033,707
19 222 $27,631 $3,644 $23,987 $2,009,720
19 223 $27,631 $3,601 $24,030 $1,985,690
19 224 $27,631 $3,558 $24,073 $1,961,616
19 225 $27,631 $3,515 $24,116 $1,937,500
19 226 $27,631 $3,471 $24,160 $1,913,340
19 227 $27,631 $3,428 $24,203 $1,889,137
19 228 $27,631 $3,385 $24,246 $1,864,891
20 229 $27,631 $3,341 $24,290 $1,840,601
20 230 $27,631 $3,298 $24,333 $1,816,268
20 231 $27,631 $3,254 $24,377 $1,791,891
20 232 $27,631 $3,210 $24,420 $1,767,471
20 233 $27,631 $3,167 $24,464 $1,743,007
20 234 $27,631 $3,123 $24,508 $1,718,499
20 235 $27,631 $3,079 $24,552 $1,693,947
20 236 $27,631 $3,035 $24,596 $1,669,351
20 237 $27,631 $2,991 $24,640 $1,644,710
20 238 $27,631 $2,947 $24,684 $1,620,026
20 239 $27,631 $2,903 $24,728 $1,595,298
20 240 $27,631 $2,858 $24,773 $1,570,525
21 241 $27,631 $2,814 $24,817 $1,545,708
21 242 $27,631 $2,769 $24,862 $1,520,846
21 243 $27,631 $2,725 $24,906 $1,495,940
21 244 $27,631 $2,680 $24,951 $1,470,990
21 245 $27,631 $2,636 $24,995 $1,445,994
21 246 $27,631 $2,591 $25,040 $1,420,954
21 247 $27,631 $2,546 $25,085 $1,395,869
21 248 $27,631 $2,501 $25,130 $1,370,739
21 249 $27,631 $2,456 $25,175 $1,345,564
21 250 $27,631 $2,411 $25,220 $1,320,344
21 251 $27,631 $2,366 $25,265 $1,295,078
21 252 $27,631 $2,320 $25,311 $1,269,768
22 253 $27,631 $2,275 $25,356 $1,244,412
22 254 $27,631 $2,230 $25,401 $1,219,010
22 255 $27,631 $2,184 $25,447 $1,193,563
22 256 $27,631 $2,138 $25,493 $1,168,071
22 257 $27,631 $2,093 $25,538 $1,142,533
22 258 $27,631 $2,047 $25,584 $1,116,949
22 259 $27,631 $2,001 $25,630 $1,091,319
22 260 $27,631 $1,955 $25,676 $1,065,643
22 261 $27,631 $1,909 $25,722 $1,039,922
22 262 $27,631 $1,863 $25,768 $1,014,154
22 263 $27,631 $1,817 $25,814 $988,340
22 264 $27,631 $1,771 $25,860 $962,480
23 265 $27,631 $1,724 $25,907 $936,573
23 266 $27,631 $1,678 $25,953 $910,620
23 267 $27,631 $1,632 $25,999 $884,621
23 268 $27,631 $1,585 $26,046 $858,575
23 269 $27,631 $1,538 $26,093 $832,482
23 270 $27,631 $1,492 $26,139 $806,343
23 271 $27,631 $1,445 $26,186 $780,156
23 272 $27,631 $1,398 $26,233 $753,923
23 273 $27,631 $1,351 $26,280 $727,643
23 274 $27,631 $1,304 $26,327 $701,316
23 275 $27,631 $1,257 $26,374 $674,941
23 276 $27,631 $1,209 $26,422 $648,519
24 277 $27,631 $1,162 $26,469 $622,050
24 278 $27,631 $1,115 $26,516 $595,534
24 279 $27,631 $1,067 $26,564 $568,970
24 280 $27,631 $1,019 $26,612 $542,358
24 281 $27,631 $972 $26,659 $515,699
24 282 $27,631 $924 $26,707 $488,992
24 283 $27,631 $876 $26,755 $462,237
24 284 $27,631 $828 $26,803 $435,435
24 285 $27,631 $780 $26,851 $408,584
24 286 $27,631 $732 $26,899 $381,685
24 287 $27,631 $684 $26,947 $354,738
24 288 $27,631 $636 $26,995 $327,742
25 289 $27,631 $587 $27,044 $300,699
25 290 $27,631 $539 $27,092 $273,606
25 291 $27,631 $490 $27,141 $246,466
25 292 $27,631 $442 $27,189 $219,276
25 293 $27,631 $393 $27,238 $192,038
25 294 $27,631 $344 $27,287 $164,751
25 295 $27,631 $295 $27,336 $137,415
25 296 $27,631 $246 $27,385 $110,031
25 297 $27,631 $197 $27,434 $82,597
25 298 $27,631 $148 $27,483 $55,114
25 299 $27,631 $99 $27,532 $27,582
25 300 $27,631 $49 $27,582 $0