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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$ 2,912,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,984,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,912,000
 
Monthly Repayment (HKD)
$18,835
Loan Amount (HKD)
$4,368,000
+
Total Interest (HKD)
$1,282,378
=
Total Repayment (HKD)
$5,650,378
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $18,835 $7,826 $11,009 $4,356,991
1 2 $18,835 $7,806 $11,028 $4,345,963
1 3 $18,835 $7,787 $11,048 $4,334,915
1 4 $18,835 $7,767 $11,068 $4,323,847
1 5 $18,835 $7,747 $11,088 $4,312,759
1 6 $18,835 $7,727 $11,108 $4,301,652
1 7 $18,835 $7,707 $11,127 $4,290,524
1 8 $18,835 $7,687 $11,147 $4,279,377
1 9 $18,835 $7,667 $11,167 $4,268,210
1 10 $18,835 $7,647 $11,187 $4,257,022
1 11 $18,835 $7,627 $11,207 $4,245,815
1 12 $18,835 $7,607 $11,228 $4,234,587
2 13 $18,835 $7,587 $11,248 $4,223,340
2 14 $18,835 $7,567 $11,268 $4,212,072
2 15 $18,835 $7,547 $11,288 $4,200,784
2 16 $18,835 $7,526 $11,308 $4,189,476
2 17 $18,835 $7,506 $11,328 $4,178,147
2 18 $18,835 $7,486 $11,349 $4,166,799
2 19 $18,835 $7,466 $11,369 $4,155,429
2 20 $18,835 $7,445 $11,389 $4,144,040
2 21 $18,835 $7,425 $11,410 $4,132,630
2 22 $18,835 $7,404 $11,430 $4,121,200
2 23 $18,835 $7,384 $11,451 $4,109,749
2 24 $18,835 $7,363 $11,471 $4,098,278
3 25 $18,835 $7,343 $11,492 $4,086,786
3 26 $18,835 $7,322 $11,512 $4,075,274
3 27 $18,835 $7,302 $11,533 $4,063,740
3 28 $18,835 $7,281 $11,554 $4,052,187
3 29 $18,835 $7,260 $11,574 $4,040,612
3 30 $18,835 $7,239 $11,595 $4,029,017
3 31 $18,835 $7,219 $11,616 $4,017,401
3 32 $18,835 $7,198 $11,637 $4,005,764
3 33 $18,835 $7,177 $11,658 $3,994,107
3 34 $18,835 $7,156 $11,678 $3,982,428
3 35 $18,835 $7,135 $11,699 $3,970,729
3 36 $18,835 $7,114 $11,720 $3,959,009
4 37 $18,835 $7,093 $11,741 $3,947,267
4 38 $18,835 $7,072 $11,762 $3,935,505
4 39 $18,835 $7,051 $11,783 $3,923,721
4 40 $18,835 $7,030 $11,805 $3,911,917
4 41 $18,835 $7,009 $11,826 $3,900,091
4 42 $18,835 $6,988 $11,847 $3,888,244
4 43 $18,835 $6,966 $11,868 $3,876,376
4 44 $18,835 $6,945 $11,889 $3,864,486
4 45 $18,835 $6,924 $11,911 $3,852,576
4 46 $18,835 $6,903 $11,932 $3,840,644
4 47 $18,835 $6,881 $11,953 $3,828,690
4 48 $18,835 $6,860 $11,975 $3,816,715
5 49 $18,835 $6,838 $11,996 $3,804,719
5 50 $18,835 $6,817 $12,018 $3,792,701
5 51 $18,835 $6,795 $12,039 $3,780,662
5 52 $18,835 $6,774 $12,061 $3,768,601
5 53 $18,835 $6,752 $12,083 $3,756,519
5 54 $18,835 $6,730 $12,104 $3,744,414
5 55 $18,835 $6,709 $12,126 $3,732,289
5 56 $18,835 $6,687 $12,148 $3,720,141
5 57 $18,835 $6,665 $12,169 $3,707,972
5 58 $18,835 $6,643 $12,191 $3,695,780
5 59 $18,835 $6,622 $12,213 $3,683,567
5 60 $18,835 $6,600 $12,235 $3,671,333
6 61 $18,835 $6,578 $12,257 $3,659,076
6 62 $18,835 $6,556 $12,279 $3,646,797
6 63 $18,835 $6,534 $12,301 $3,634,496
6 64 $18,835 $6,512 $12,323 $3,622,174
6 65 $18,835 $6,490 $12,345 $3,609,829
6 66 $18,835 $6,468 $12,367 $3,597,462
6 67 $18,835 $6,445 $12,389 $3,585,073
6 68 $18,835 $6,423 $12,411 $3,572,661
6 69 $18,835 $6,401 $12,434 $3,560,228
6 70 $18,835 $6,379 $12,456 $3,547,772
6 71 $18,835 $6,356 $12,478 $3,535,294
6 72 $18,835 $6,334 $12,501 $3,522,793
7 73 $18,835 $6,312 $12,523 $3,510,270
7 74 $18,835 $6,289 $12,545 $3,497,725
7 75 $18,835 $6,267 $12,568 $3,485,157
7 76 $18,835 $6,244 $12,590 $3,472,567
7 77 $18,835 $6,222 $12,613 $3,459,954
7 78 $18,835 $6,199 $12,636 $3,447,318
7 79 $18,835 $6,176 $12,658 $3,434,660
7 80 $18,835 $6,154 $12,681 $3,421,979
7 81 $18,835 $6,131 $12,704 $3,409,276
7 82 $18,835 $6,108 $12,726 $3,396,549
7 83 $18,835 $6,085 $12,749 $3,383,800
7 84 $18,835 $6,063 $12,772 $3,371,028
8 85 $18,835 $6,040 $12,795 $3,358,233
8 86 $18,835 $6,017 $12,818 $3,345,416
8 87 $18,835 $5,994 $12,841 $3,332,575
8 88 $18,835 $5,971 $12,864 $3,319,711
8 89 $18,835 $5,948 $12,887 $3,306,824
8 90 $18,835 $5,925 $12,910 $3,293,915
8 91 $18,835 $5,902 $12,933 $3,280,982
8 92 $18,835 $5,878 $12,956 $3,268,025
8 93 $18,835 $5,855 $12,979 $3,255,046
8 94 $18,835 $5,832 $13,003 $3,242,043
8 95 $18,835 $5,809 $13,026 $3,229,017
8 96 $18,835 $5,785 $13,049 $3,215,968
9 97 $18,835 $5,762 $13,073 $3,202,896
9 98 $18,835 $5,739 $13,096 $3,189,799
9 99 $18,835 $5,715 $13,120 $3,176,680
9 100 $18,835 $5,692 $13,143 $3,163,537
9 101 $18,835 $5,668 $13,167 $3,150,370
9 102 $18,835 $5,644 $13,190 $3,137,180
9 103 $18,835 $5,621 $13,214 $3,123,966
9 104 $18,835 $5,597 $13,237 $3,110,729
9 105 $18,835 $5,573 $13,261 $3,097,468
9 106 $18,835 $5,550 $13,285 $3,084,183
9 107 $18,835 $5,526 $13,309 $3,070,874
9 108 $18,835 $5,502 $13,333 $3,057,541
10 109 $18,835 $5,478 $13,356 $3,044,185
10 110 $18,835 $5,454 $13,380 $3,030,804
10 111 $18,835 $5,430 $13,404 $3,017,400
10 112 $18,835 $5,406 $13,428 $3,003,972
10 113 $18,835 $5,382 $13,452 $2,990,519
10 114 $18,835 $5,358 $13,477 $2,977,042
10 115 $18,835 $5,334 $13,501 $2,963,542
10 116 $18,835 $5,310 $13,525 $2,950,017
10 117 $18,835 $5,285 $13,549 $2,936,468
10 118 $18,835 $5,261 $13,573 $2,922,894
10 119 $18,835 $5,237 $13,598 $2,909,297
10 120 $18,835 $5,212 $13,622 $2,895,674
11 121 $18,835 $5,188 $13,647 $2,882,028
11 122 $18,835 $5,164 $13,671 $2,868,357
11 123 $18,835 $5,139 $13,695 $2,854,662
11 124 $18,835 $5,115 $13,720 $2,840,942
11 125 $18,835 $5,090 $13,745 $2,827,197
11 126 $18,835 $5,065 $13,769 $2,813,428
11 127 $18,835 $5,041 $13,794 $2,799,634
11 128 $18,835 $5,016 $13,819 $2,785,815
11 129 $18,835 $4,991 $13,843 $2,771,972
11 130 $18,835 $4,966 $13,868 $2,758,104
11 131 $18,835 $4,942 $13,893 $2,744,211
11 132 $18,835 $4,917 $13,918 $2,730,293
12 133 $18,835 $4,892 $13,943 $2,716,350
12 134 $18,835 $4,867 $13,968 $2,702,382
12 135 $18,835 $4,842 $13,993 $2,688,390
12 136 $18,835 $4,817 $14,018 $2,674,372
12 137 $18,835 $4,792 $14,043 $2,660,329
12 138 $18,835 $4,766 $14,068 $2,646,260
12 139 $18,835 $4,741 $14,093 $2,632,167
12 140 $18,835 $4,716 $14,119 $2,618,048
12 141 $18,835 $4,691 $14,144 $2,603,904
12 142 $18,835 $4,665 $14,169 $2,589,735
12 143 $18,835 $4,640 $14,195 $2,575,541
12 144 $18,835 $4,615 $14,220 $2,561,320
13 145 $18,835 $4,589 $14,246 $2,547,075
13 146 $18,835 $4,564 $14,271 $2,532,804
13 147 $18,835 $4,538 $14,297 $2,518,507
13 148 $18,835 $4,512 $14,322 $2,504,185
13 149 $18,835 $4,487 $14,348 $2,489,837
13 150 $18,835 $4,461 $14,374 $2,475,463
13 151 $18,835 $4,435 $14,399 $2,461,064
13 152 $18,835 $4,409 $14,425 $2,446,639
13 153 $18,835 $4,384 $14,451 $2,432,188
13 154 $18,835 $4,358 $14,477 $2,417,711
13 155 $18,835 $4,332 $14,503 $2,403,208
13 156 $18,835 $4,306 $14,529 $2,388,679
14 157 $18,835 $4,280 $14,555 $2,374,124
14 158 $18,835 $4,254 $14,581 $2,359,543
14 159 $18,835 $4,228 $14,607 $2,344,936
14 160 $18,835 $4,201 $14,633 $2,330,303
14 161 $18,835 $4,175 $14,659 $2,315,643
14 162 $18,835 $4,149 $14,686 $2,300,958
14 163 $18,835 $4,123 $14,712 $2,286,246
14 164 $18,835 $4,096 $14,738 $2,271,507
14 165 $18,835 $4,070 $14,765 $2,256,743
14 166 $18,835 $4,043 $14,791 $2,241,951
14 167 $18,835 $4,017 $14,818 $2,227,133
14 168 $18,835 $3,990 $14,844 $2,212,289
15 169 $18,835 $3,964 $14,871 $2,197,418
15 170 $18,835 $3,937 $14,898 $2,182,521
15 171 $18,835 $3,910 $14,924 $2,167,596
15 172 $18,835 $3,884 $14,951 $2,152,645
15 173 $18,835 $3,857 $14,978 $2,137,668
15 174 $18,835 $3,830 $15,005 $2,122,663
15 175 $18,835 $3,803 $15,031 $2,107,632
15 176 $18,835 $3,776 $15,058 $2,092,573
15 177 $18,835 $3,749 $15,085 $2,077,488
15 178 $18,835 $3,722 $15,112 $2,062,375
15 179 $18,835 $3,695 $15,140 $2,047,236
15 180 $18,835 $3,668 $15,167 $2,032,069
16 181 $18,835 $3,641 $15,194 $2,016,875
16 182 $18,835 $3,614 $15,221 $2,001,654
16 183 $18,835 $3,586 $15,248 $1,986,406
16 184 $18,835 $3,559 $15,276 $1,971,130
16 185 $18,835 $3,532 $15,303 $1,955,828
16 186 $18,835 $3,504 $15,330 $1,940,497
16 187 $18,835 $3,477 $15,358 $1,925,139
16 188 $18,835 $3,449 $15,385 $1,909,754
16 189 $18,835 $3,422 $15,413 $1,894,341
16 190 $18,835 $3,394 $15,441 $1,878,900
16 191 $18,835 $3,366 $15,468 $1,863,432
16 192 $18,835 $3,339 $15,496 $1,847,936
17 193 $18,835 $3,311 $15,524 $1,832,412
17 194 $18,835 $3,283 $15,552 $1,816,861
17 195 $18,835 $3,255 $15,579 $1,801,282
17 196 $18,835 $3,227 $15,607 $1,785,674
17 197 $18,835 $3,199 $15,635 $1,770,039
17 198 $18,835 $3,171 $15,663 $1,754,376
17 199 $18,835 $3,143 $15,691 $1,738,684
17 200 $18,835 $3,115 $15,719 $1,722,965
17 201 $18,835 $3,087 $15,748 $1,707,217
17 202 $18,835 $3,059 $15,776 $1,691,441
17 203 $18,835 $3,030 $15,804 $1,675,637
17 204 $18,835 $3,002 $15,832 $1,659,805
18 205 $18,835 $2,974 $15,861 $1,643,944
18 206 $18,835 $2,945 $15,889 $1,628,055
18 207 $18,835 $2,917 $15,918 $1,612,137
18 208 $18,835 $2,888 $15,946 $1,596,191
18 209 $18,835 $2,860 $15,975 $1,580,216
18 210 $18,835 $2,831 $16,003 $1,564,213
18 211 $18,835 $2,803 $16,032 $1,548,181
18 212 $18,835 $2,774 $16,061 $1,532,120
18 213 $18,835 $2,745 $16,090 $1,516,031
18 214 $18,835 $2,716 $16,118 $1,499,912
18 215 $18,835 $2,687 $16,147 $1,483,765
18 216 $18,835 $2,658 $16,176 $1,467,589
19 217 $18,835 $2,629 $16,205 $1,451,384
19 218 $18,835 $2,600 $16,234 $1,435,150
19 219 $18,835 $2,571 $16,263 $1,418,886
19 220 $18,835 $2,542 $16,292 $1,402,594
19 221 $18,835 $2,513 $16,322 $1,386,272
19 222 $18,835 $2,484 $16,351 $1,369,921
19 223 $18,835 $2,454 $16,380 $1,353,541
19 224 $18,835 $2,425 $16,409 $1,337,132
19 225 $18,835 $2,396 $16,439 $1,320,693
19 226 $18,835 $2,366 $16,468 $1,304,224
19 227 $18,835 $2,337 $16,498 $1,287,727
19 228 $18,835 $2,307 $16,527 $1,271,199
20 229 $18,835 $2,278 $16,557 $1,254,642
20 230 $18,835 $2,248 $16,587 $1,238,055
20 231 $18,835 $2,218 $16,616 $1,221,439
20 232 $18,835 $2,188 $16,646 $1,204,793
20 233 $18,835 $2,159 $16,676 $1,188,117
20 234 $18,835 $2,129 $16,706 $1,171,411
20 235 $18,835 $2,099 $16,736 $1,154,675
20 236 $18,835 $2,069 $16,766 $1,137,909
20 237 $18,835 $2,039 $16,796 $1,121,114
20 238 $18,835 $2,009 $16,826 $1,104,288
20 239 $18,835 $1,979 $16,856 $1,087,432
20 240 $18,835 $1,948 $16,886 $1,070,545
21 241 $18,835 $1,918 $16,917 $1,053,629
21 242 $18,835 $1,888 $16,947 $1,036,682
21 243 $18,835 $1,857 $16,977 $1,019,705
21 244 $18,835 $1,827 $17,008 $1,002,697
21 245 $18,835 $1,796 $17,038 $985,659
21 246 $18,835 $1,766 $17,069 $968,590
21 247 $18,835 $1,735 $17,099 $951,491
21 248 $18,835 $1,705 $17,130 $934,361
21 249 $18,835 $1,674 $17,161 $917,201
21 250 $18,835 $1,643 $17,191 $900,009
21 251 $18,835 $1,613 $17,222 $882,787
21 252 $18,835 $1,582 $17,253 $865,534
22 253 $18,835 $1,551 $17,284 $848,251
22 254 $18,835 $1,520 $17,315 $830,936
22 255 $18,835 $1,489 $17,346 $813,590
22 256 $18,835 $1,458 $17,377 $796,213
22 257 $18,835 $1,427 $17,408 $778,805
22 258 $18,835 $1,395 $17,439 $761,366
22 259 $18,835 $1,364 $17,470 $743,895
22 260 $18,835 $1,333 $17,502 $726,394
22 261 $18,835 $1,301 $17,533 $708,860
22 262 $18,835 $1,270 $17,565 $691,296
22 263 $18,835 $1,239 $17,596 $673,700
22 264 $18,835 $1,207 $17,628 $656,072
23 265 $18,835 $1,175 $17,659 $638,413
23 266 $18,835 $1,144 $17,691 $620,722
23 267 $18,835 $1,112 $17,722 $603,000
23 268 $18,835 $1,080 $17,754 $585,246
23 269 $18,835 $1,049 $17,786 $567,460
23 270 $18,835 $1,017 $17,818 $549,642
23 271 $18,835 $985 $17,850 $531,792
23 272 $18,835 $953 $17,882 $513,910
23 273 $18,835 $921 $17,914 $495,996
23 274 $18,835 $889 $17,946 $478,050
23 275 $18,835 $857 $17,978 $460,072
23 276 $18,835 $824 $18,010 $442,062
24 277 $18,835 $792 $18,043 $424,019
24 278 $18,835 $760 $18,075 $405,945
24 279 $18,835 $727 $18,107 $387,837
24 280 $18,835 $695 $18,140 $369,698
24 281 $18,835 $662 $18,172 $351,525
24 282 $18,835 $630 $18,205 $333,321
24 283 $18,835 $597 $18,237 $315,083
24 284 $18,835 $565 $18,270 $296,813
24 285 $18,835 $532 $18,303 $278,510
24 286 $18,835 $499 $18,336 $260,175
24 287 $18,835 $466 $18,368 $241,806
24 288 $18,835 $433 $18,401 $223,405
25 289 $18,835 $400 $18,434 $204,971
25 290 $18,835 $367 $18,467 $186,503
25 291 $18,835 $334 $18,500 $168,003
25 292 $18,835 $301 $18,534 $149,469
25 293 $18,835 $268 $18,567 $130,902
25 294 $18,835 $235 $18,600 $112,302
25 295 $18,835 $201 $18,633 $93,669
25 296 $18,835 $168 $18,667 $75,002
25 297 $18,835 $134 $18,700 $56,302
25 298 $18,835 $101 $18,734 $37,568
25 299 $18,835 $67 $18,767 $18,801
25 300 $18,835 $34 $18,801 $0