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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$ 2,192,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,246,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,192,000
 
Monthly Repayment (HKD)
$14,178
Loan Amount (HKD)
$3,288,000
+
Total Interest (HKD)
$965,307
=
Total Repayment (HKD)
$4,253,307
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $14,178 $5,891 $8,287 $3,279,713
1 2 $14,178 $5,876 $8,302 $3,271,412
1 3 $14,178 $5,861 $8,316 $3,263,095
1 4 $14,178 $5,846 $8,331 $3,254,764
1 5 $14,178 $5,831 $8,346 $3,246,418
1 6 $14,178 $5,816 $8,361 $3,238,057
1 7 $14,178 $5,802 $8,376 $3,229,680
1 8 $14,178 $5,787 $8,391 $3,221,289
1 9 $14,178 $5,771 $8,406 $3,212,883
1 10 $14,178 $5,756 $8,421 $3,204,462
1 11 $14,178 $5,741 $8,436 $3,196,025
1 12 $14,178 $5,726 $8,451 $3,187,574
2 13 $14,178 $5,711 $8,467 $3,179,107
2 14 $14,178 $5,696 $8,482 $3,170,626
2 15 $14,178 $5,681 $8,497 $3,162,129
2 16 $14,178 $5,665 $8,512 $3,153,616
2 17 $14,178 $5,650 $8,527 $3,145,089
2 18 $14,178 $5,635 $8,543 $3,136,546
2 19 $14,178 $5,620 $8,558 $3,127,988
2 20 $14,178 $5,604 $8,573 $3,119,415
2 21 $14,178 $5,589 $8,589 $3,110,826
2 22 $14,178 $5,574 $8,604 $3,102,222
2 23 $14,178 $5,558 $8,620 $3,093,602
2 24 $14,178 $5,543 $8,635 $3,084,967
3 25 $14,178 $5,527 $8,650 $3,076,317
3 26 $14,178 $5,512 $8,666 $3,067,651
3 27 $14,178 $5,496 $8,681 $3,058,969
3 28 $14,178 $5,481 $8,697 $3,050,272
3 29 $14,178 $5,465 $8,713 $3,041,560
3 30 $14,178 $5,449 $8,728 $3,032,832
3 31 $14,178 $5,434 $8,744 $3,024,088
3 32 $14,178 $5,418 $8,760 $3,015,328
3 33 $14,178 $5,402 $8,775 $3,006,553
3 34 $14,178 $5,387 $8,791 $2,997,762
3 35 $14,178 $5,371 $8,807 $2,988,955
3 36 $14,178 $5,355 $8,822 $2,980,133
4 37 $14,178 $5,339 $8,838 $2,971,295
4 38 $14,178 $5,324 $8,854 $2,962,440
4 39 $14,178 $5,308 $8,870 $2,953,570
4 40 $14,178 $5,292 $8,886 $2,944,685
4 41 $14,178 $5,276 $8,902 $2,935,783
4 42 $14,178 $5,260 $8,918 $2,926,865
4 43 $14,178 $5,244 $8,934 $2,917,931
4 44 $14,178 $5,228 $8,950 $2,908,982
4 45 $14,178 $5,212 $8,966 $2,900,016
4 46 $14,178 $5,196 $8,982 $2,891,034
4 47 $14,178 $5,180 $8,998 $2,882,036
4 48 $14,178 $5,164 $9,014 $2,873,022
5 49 $14,178 $5,147 $9,030 $2,863,992
5 50 $14,178 $5,131 $9,046 $2,854,945
5 51 $14,178 $5,115 $9,063 $2,845,883
5 52 $14,178 $5,099 $9,079 $2,836,804
5 53 $14,178 $5,083 $9,095 $2,827,709
5 54 $14,178 $5,066 $9,111 $2,818,598
5 55 $14,178 $5,050 $9,128 $2,809,470
5 56 $14,178 $5,034 $9,144 $2,800,326
5 57 $14,178 $5,017 $9,160 $2,791,165
5 58 $14,178 $5,001 $9,177 $2,781,989
5 59 $14,178 $4,984 $9,193 $2,772,795
5 60 $14,178 $4,968 $9,210 $2,763,586
6 61 $14,178 $4,951 $9,226 $2,754,359
6 62 $14,178 $4,935 $9,243 $2,745,116
6 63 $14,178 $4,918 $9,259 $2,735,857
6 64 $14,178 $4,902 $9,276 $2,726,581
6 65 $14,178 $4,885 $9,293 $2,717,289
6 66 $14,178 $4,868 $9,309 $2,707,979
6 67 $14,178 $4,852 $9,326 $2,698,654
6 68 $14,178 $4,835 $9,343 $2,689,311
6 69 $14,178 $4,818 $9,359 $2,679,952
6 70 $14,178 $4,802 $9,376 $2,670,575
6 71 $14,178 $4,785 $9,393 $2,661,183
6 72 $14,178 $4,768 $9,410 $2,651,773
7 73 $14,178 $4,751 $9,427 $2,642,346
7 74 $14,178 $4,734 $9,443 $2,632,903
7 75 $14,178 $4,717 $9,460 $2,623,442
7 76 $14,178 $4,700 $9,477 $2,613,965
7 77 $14,178 $4,683 $9,494 $2,604,471
7 78 $14,178 $4,666 $9,511 $2,594,959
7 79 $14,178 $4,649 $9,528 $2,585,431
7 80 $14,178 $4,632 $9,545 $2,575,885
7 81 $14,178 $4,615 $9,563 $2,566,323
7 82 $14,178 $4,598 $9,580 $2,556,743
7 83 $14,178 $4,581 $9,597 $2,547,146
7 84 $14,178 $4,564 $9,614 $2,537,532
8 85 $14,178 $4,546 $9,631 $2,527,901
8 86 $14,178 $4,529 $9,649 $2,518,252
8 87 $14,178 $4,512 $9,666 $2,508,587
8 88 $14,178 $4,495 $9,683 $2,498,904
8 89 $14,178 $4,477 $9,700 $2,489,203
8 90 $14,178 $4,460 $9,718 $2,479,485
8 91 $14,178 $4,442 $9,735 $2,469,750
8 92 $14,178 $4,425 $9,753 $2,459,997
8 93 $14,178 $4,407 $9,770 $2,450,227
8 94 $14,178 $4,390 $9,788 $2,440,439
8 95 $14,178 $4,372 $9,805 $2,430,634
8 96 $14,178 $4,355 $9,823 $2,420,811
9 97 $14,178 $4,337 $9,840 $2,410,971
9 98 $14,178 $4,320 $9,858 $2,401,113
9 99 $14,178 $4,302 $9,876 $2,391,237
9 100 $14,178 $4,284 $9,893 $2,381,344
9 101 $14,178 $4,267 $9,911 $2,371,433
9 102 $14,178 $4,249 $9,929 $2,361,504
9 103 $14,178 $4,231 $9,947 $2,351,557
9 104 $14,178 $4,213 $9,964 $2,341,593
9 105 $14,178 $4,195 $9,982 $2,331,610
9 106 $14,178 $4,177 $10,000 $2,321,610
9 107 $14,178 $4,160 $10,018 $2,311,592
9 108 $14,178 $4,142 $10,036 $2,301,556
10 109 $14,178 $4,124 $10,054 $2,291,502
10 110 $14,178 $4,106 $10,072 $2,281,430
10 111 $14,178 $4,088 $10,090 $2,271,340
10 112 $14,178 $4,069 $10,108 $2,261,231
10 113 $14,178 $4,051 $10,126 $2,251,105
10 114 $14,178 $4,033 $10,144 $2,240,961
10 115 $14,178 $4,015 $10,163 $2,230,798
10 116 $14,178 $3,997 $10,181 $2,220,617
10 117 $14,178 $3,979 $10,199 $2,210,418
10 118 $14,178 $3,960 $10,217 $2,200,201
10 119 $14,178 $3,942 $10,236 $2,189,965
10 120 $14,178 $3,924 $10,254 $2,179,711
11 121 $14,178 $3,905 $10,272 $2,169,439
11 122 $14,178 $3,887 $10,291 $2,159,148
11 123 $14,178 $3,868 $10,309 $2,148,839
11 124 $14,178 $3,850 $10,328 $2,138,511
11 125 $14,178 $3,831 $10,346 $2,128,165
11 126 $14,178 $3,813 $10,365 $2,117,800
11 127 $14,178 $3,794 $10,383 $2,107,417
11 128 $14,178 $3,776 $10,402 $2,097,015
11 129 $14,178 $3,757 $10,421 $2,086,594
11 130 $14,178 $3,738 $10,439 $2,076,155
11 131 $14,178 $3,720 $10,458 $2,065,697
11 132 $14,178 $3,701 $10,477 $2,055,221
12 133 $14,178 $3,682 $10,495 $2,044,725
12 134 $14,178 $3,663 $10,514 $2,034,211
12 135 $14,178 $3,645 $10,533 $2,023,678
12 136 $14,178 $3,626 $10,552 $2,013,126
12 137 $14,178 $3,607 $10,571 $2,002,555
12 138 $14,178 $3,588 $10,590 $1,991,965
12 139 $14,178 $3,569 $10,609 $1,981,357
12 140 $14,178 $3,550 $10,628 $1,970,729
12 141 $14,178 $3,531 $10,647 $1,960,082
12 142 $14,178 $3,512 $10,666 $1,949,416
12 143 $14,178 $3,493 $10,685 $1,938,731
12 144 $14,178 $3,474 $10,704 $1,928,027
13 145 $14,178 $3,454 $10,723 $1,917,304
13 146 $14,178 $3,435 $10,743 $1,906,561
13 147 $14,178 $3,416 $10,762 $1,895,799
13 148 $14,178 $3,397 $10,781 $1,885,018
13 149 $14,178 $3,377 $10,800 $1,874,218
13 150 $14,178 $3,358 $10,820 $1,863,398
13 151 $14,178 $3,339 $10,839 $1,852,559
13 152 $14,178 $3,319 $10,859 $1,841,701
13 153 $14,178 $3,300 $10,878 $1,830,823
13 154 $14,178 $3,280 $10,897 $1,819,925
13 155 $14,178 $3,261 $10,917 $1,809,008
13 156 $14,178 $3,241 $10,937 $1,798,072
14 157 $14,178 $3,222 $10,956 $1,787,116
14 158 $14,178 $3,202 $10,976 $1,776,140
14 159 $14,178 $3,182 $10,995 $1,765,144
14 160 $14,178 $3,163 $11,015 $1,754,129
14 161 $14,178 $3,143 $11,035 $1,743,094
14 162 $14,178 $3,123 $11,055 $1,732,040
14 163 $14,178 $3,103 $11,074 $1,720,965
14 164 $14,178 $3,083 $11,094 $1,709,871
14 165 $14,178 $3,064 $11,114 $1,698,757
14 166 $14,178 $3,044 $11,134 $1,687,623
14 167 $14,178 $3,024 $11,154 $1,676,469
14 168 $14,178 $3,004 $11,174 $1,665,295
15 169 $14,178 $2,984 $11,194 $1,654,101
15 170 $14,178 $2,964 $11,214 $1,642,886
15 171 $14,178 $2,944 $11,234 $1,631,652
15 172 $14,178 $2,923 $11,254 $1,620,398
15 173 $14,178 $2,903 $11,274 $1,609,123
15 174 $14,178 $2,883 $11,295 $1,597,829
15 175 $14,178 $2,863 $11,315 $1,586,514
15 176 $14,178 $2,843 $11,335 $1,575,179
15 177 $14,178 $2,822 $11,355 $1,563,823
15 178 $14,178 $2,802 $11,376 $1,552,447
15 179 $14,178 $2,781 $11,396 $1,541,051
15 180 $14,178 $2,761 $11,417 $1,529,635
16 181 $14,178 $2,741 $11,437 $1,518,197
16 182 $14,178 $2,720 $11,458 $1,506,740
16 183 $14,178 $2,700 $11,478 $1,495,262
16 184 $14,178 $2,679 $11,499 $1,483,763
16 185 $14,178 $2,658 $11,519 $1,472,244
16 186 $14,178 $2,638 $11,540 $1,460,704
16 187 $14,178 $2,617 $11,561 $1,449,143
16 188 $14,178 $2,596 $11,581 $1,437,562
16 189 $14,178 $2,576 $11,602 $1,425,960
16 190 $14,178 $2,555 $11,623 $1,414,337
16 191 $14,178 $2,534 $11,644 $1,402,693
16 192 $14,178 $2,513 $11,665 $1,391,029
17 193 $14,178 $2,492 $11,685 $1,379,343
17 194 $14,178 $2,471 $11,706 $1,367,637
17 195 $14,178 $2,450 $11,727 $1,355,910
17 196 $14,178 $2,429 $11,748 $1,344,161
17 197 $14,178 $2,408 $11,769 $1,332,392
17 198 $14,178 $2,387 $11,790 $1,320,602
17 199 $14,178 $2,366 $11,812 $1,308,790
17 200 $14,178 $2,345 $11,833 $1,296,957
17 201 $14,178 $2,324 $11,854 $1,285,103
17 202 $14,178 $2,302 $11,875 $1,273,228
17 203 $14,178 $2,281 $11,896 $1,261,331
17 204 $14,178 $2,260 $11,918 $1,249,414
18 205 $14,178 $2,239 $11,939 $1,237,474
18 206 $14,178 $2,217 $11,961 $1,225,514
18 207 $14,178 $2,196 $11,982 $1,213,532
18 208 $14,178 $2,174 $12,003 $1,201,529
18 209 $14,178 $2,153 $12,025 $1,189,504
18 210 $14,178 $2,131 $12,046 $1,177,457
18 211 $14,178 $2,110 $12,068 $1,165,389
18 212 $14,178 $2,088 $12,090 $1,153,299
18 213 $14,178 $2,066 $12,111 $1,141,188
18 214 $14,178 $2,045 $12,133 $1,129,055
18 215 $14,178 $2,023 $12,155 $1,116,900
18 216 $14,178 $2,001 $12,177 $1,104,724
19 217 $14,178 $1,979 $12,198 $1,092,525
19 218 $14,178 $1,957 $12,220 $1,080,305
19 219 $14,178 $1,936 $12,242 $1,068,063
19 220 $14,178 $1,914 $12,264 $1,055,799
19 221 $14,178 $1,892 $12,286 $1,043,513
19 222 $14,178 $1,870 $12,308 $1,031,205
19 223 $14,178 $1,848 $12,330 $1,018,874
19 224 $14,178 $1,825 $12,352 $1,006,522
19 225 $14,178 $1,803 $12,374 $994,148
19 226 $14,178 $1,781 $12,397 $981,751
19 227 $14,178 $1,759 $12,419 $969,333
19 228 $14,178 $1,737 $12,441 $956,892
20 229 $14,178 $1,714 $12,463 $944,428
20 230 $14,178 $1,692 $12,486 $931,943
20 231 $14,178 $1,670 $12,508 $919,435
20 232 $14,178 $1,647 $12,530 $906,905
20 233 $14,178 $1,625 $12,553 $894,352
20 234 $14,178 $1,602 $12,575 $881,776
20 235 $14,178 $1,580 $12,598 $869,179
20 236 $14,178 $1,557 $12,620 $856,558
20 237 $14,178 $1,535 $12,643 $843,915
20 238 $14,178 $1,512 $12,666 $831,249
20 239 $14,178 $1,489 $12,688 $818,561
20 240 $14,178 $1,467 $12,711 $805,850
21 241 $14,178 $1,444 $12,734 $793,116
21 242 $14,178 $1,421 $12,757 $780,359
21 243 $14,178 $1,398 $12,780 $767,580
21 244 $14,178 $1,375 $12,802 $754,777
21 245 $14,178 $1,352 $12,825 $741,952
21 246 $14,178 $1,329 $12,848 $729,104
21 247 $14,178 $1,306 $12,871 $716,232
21 248 $14,178 $1,283 $12,894 $703,338
21 249 $14,178 $1,260 $12,918 $690,420
21 250 $14,178 $1,237 $12,941 $677,480
21 251 $14,178 $1,214 $12,964 $664,516
21 252 $14,178 $1,191 $12,987 $651,529
22 253 $14,178 $1,167 $13,010 $638,518
22 254 $14,178 $1,144 $13,034 $625,485
22 255 $14,178 $1,121 $13,057 $612,428
22 256 $14,178 $1,097 $13,080 $599,347
22 257 $14,178 $1,074 $13,104 $586,243
22 258 $14,178 $1,050 $13,127 $573,116
22 259 $14,178 $1,027 $13,151 $559,965
22 260 $14,178 $1,003 $13,174 $546,791
22 261 $14,178 $980 $13,198 $533,593
22 262 $14,178 $956 $13,222 $520,371
22 263 $14,178 $932 $13,245 $507,126
22 264 $14,178 $909 $13,269 $493,857
23 265 $14,178 $885 $13,293 $480,564
23 266 $14,178 $861 $13,317 $467,247
23 267 $14,178 $837 $13,341 $453,907
23 268 $14,178 $813 $13,364 $440,542
23 269 $14,178 $789 $13,388 $427,154
23 270 $14,178 $765 $13,412 $413,741
23 271 $14,178 $741 $13,436 $400,305
23 272 $14,178 $717 $13,460 $386,844
23 273 $14,178 $693 $13,485 $373,360
23 274 $14,178 $669 $13,509 $359,851
23 275 $14,178 $645 $13,533 $346,318
23 276 $14,178 $620 $13,557 $332,761
24 277 $14,178 $596 $13,581 $319,179
24 278 $14,178 $572 $13,606 $305,574
24 279 $14,178 $547 $13,630 $291,943
24 280 $14,178 $523 $13,655 $278,289
24 281 $14,178 $499 $13,679 $264,610
24 282 $14,178 $474 $13,704 $250,906
24 283 $14,178 $450 $13,728 $237,178
24 284 $14,178 $425 $13,753 $223,425
24 285 $14,178 $400 $13,777 $209,648
24 286 $14,178 $376 $13,802 $195,846
24 287 $14,178 $351 $13,827 $182,019
24 288 $14,178 $326 $13,852 $168,167
25 289 $14,178 $301 $13,876 $154,291
25 290 $14,178 $276 $13,901 $140,390
25 291 $14,178 $252 $13,926 $126,464
25 292 $14,178 $227 $13,951 $112,512
25 293 $14,178 $202 $13,976 $98,536
25 294 $14,178 $177 $14,001 $84,535
25 295 $14,178 $151 $14,026 $70,509
25 296 $14,178 $126 $14,051 $56,458
25 297 $14,178 $101 $14,077 $42,381
25 298 $14,178 $76 $14,102 $28,279
25 299 $14,178 $51 $14,127 $14,152
25 300 $14,178 $25 $14,152 $0