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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$ 2,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,460,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,400,000
 
Monthly Repayment (HKD)
$15,523
Loan Amount (HKD)
$3,600,000
+
Total Interest (HKD)
$1,056,905
=
Total Repayment (HKD)
$4,656,905
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $15,523 $6,450 $9,073 $3,590,927
1 2 $15,523 $6,434 $9,089 $3,581,838
1 3 $15,523 $6,417 $9,106 $3,572,732
1 4 $15,523 $6,401 $9,122 $3,563,610
1 5 $15,523 $6,385 $9,138 $3,554,472
1 6 $15,523 $6,368 $9,155 $3,545,317
1 7 $15,523 $6,352 $9,171 $3,536,146
1 8 $15,523 $6,336 $9,187 $3,526,959
1 9 $15,523 $6,319 $9,204 $3,517,755
1 10 $15,523 $6,303 $9,220 $3,508,535
1 11 $15,523 $6,286 $9,237 $3,499,298
1 12 $15,523 $6,270 $9,253 $3,490,044
2 13 $15,523 $6,253 $9,270 $3,480,774
2 14 $15,523 $6,236 $9,287 $3,471,488
2 15 $15,523 $6,220 $9,303 $3,462,185
2 16 $15,523 $6,203 $9,320 $3,452,865
2 17 $15,523 $6,186 $9,337 $3,443,528
2 18 $15,523 $6,170 $9,353 $3,434,175
2 19 $15,523 $6,153 $9,370 $3,424,805
2 20 $15,523 $6,136 $9,387 $3,415,418
2 21 $15,523 $6,119 $9,404 $3,406,014
2 22 $15,523 $6,102 $9,421 $3,396,593
2 23 $15,523 $6,086 $9,437 $3,387,156
2 24 $15,523 $6,069 $9,454 $3,377,701
3 25 $15,523 $6,052 $9,471 $3,368,230
3 26 $15,523 $6,035 $9,488 $3,358,742
3 27 $15,523 $6,018 $9,505 $3,349,237
3 28 $15,523 $6,001 $9,522 $3,339,714
3 29 $15,523 $5,984 $9,539 $3,330,175
3 30 $15,523 $5,967 $9,556 $3,320,619
3 31 $15,523 $5,949 $9,574 $3,311,045
3 32 $15,523 $5,932 $9,591 $3,301,454
3 33 $15,523 $5,915 $9,608 $3,291,846
3 34 $15,523 $5,898 $9,625 $3,282,221
3 35 $15,523 $5,881 $9,642 $3,272,579
3 36 $15,523 $5,863 $9,660 $3,262,919
4 37 $15,523 $5,846 $9,677 $3,253,242
4 38 $15,523 $5,829 $9,694 $3,243,548
4 39 $15,523 $5,811 $9,712 $3,233,836
4 40 $15,523 $5,794 $9,729 $3,224,107
4 41 $15,523 $5,777 $9,746 $3,214,361
4 42 $15,523 $5,759 $9,764 $3,204,597
4 43 $15,523 $5,742 $9,781 $3,194,815
4 44 $15,523 $5,724 $9,799 $3,185,016
4 45 $15,523 $5,706 $9,817 $3,175,200
4 46 $15,523 $5,689 $9,834 $3,165,366
4 47 $15,523 $5,671 $9,852 $3,155,514
4 48 $15,523 $5,654 $9,869 $3,145,645
5 49 $15,523 $5,636 $9,887 $3,135,758
5 50 $15,523 $5,618 $9,905 $3,125,853
5 51 $15,523 $5,600 $9,923 $3,115,930
5 52 $15,523 $5,583 $9,940 $3,105,990
5 53 $15,523 $5,565 $9,958 $3,096,032
5 54 $15,523 $5,547 $9,976 $3,086,056
5 55 $15,523 $5,529 $9,994 $3,076,062
5 56 $15,523 $5,511 $10,012 $3,066,050
5 57 $15,523 $5,493 $10,030 $3,056,021
5 58 $15,523 $5,475 $10,048 $3,045,973
5 59 $15,523 $5,457 $10,066 $3,035,907
5 60 $15,523 $5,439 $10,084 $3,025,824
6 61 $15,523 $5,421 $10,102 $3,015,722
6 62 $15,523 $5,403 $10,120 $3,005,602
6 63 $15,523 $5,385 $10,138 $2,995,464
6 64 $15,523 $5,367 $10,156 $2,985,308
6 65 $15,523 $5,349 $10,174 $2,975,134
6 66 $15,523 $5,330 $10,193 $2,964,941
6 67 $15,523 $5,312 $10,211 $2,954,730
6 68 $15,523 $5,294 $10,229 $2,944,501
6 69 $15,523 $5,276 $10,247 $2,934,254
6 70 $15,523 $5,257 $10,266 $2,923,988
6 71 $15,523 $5,239 $10,284 $2,913,704
6 72 $15,523 $5,220 $10,303 $2,903,401
7 73 $15,523 $5,202 $10,321 $2,893,080
7 74 $15,523 $5,183 $10,340 $2,882,740
7 75 $15,523 $5,165 $10,358 $2,872,382
7 76 $15,523 $5,146 $10,377 $2,862,005
7 77 $15,523 $5,128 $10,395 $2,851,610
7 78 $15,523 $5,109 $10,414 $2,841,196
7 79 $15,523 $5,090 $10,433 $2,830,764
7 80 $15,523 $5,072 $10,451 $2,820,313
7 81 $15,523 $5,053 $10,470 $2,809,843
7 82 $15,523 $5,034 $10,489 $2,799,354
7 83 $15,523 $5,016 $10,508 $2,788,846
7 84 $15,523 $4,997 $10,526 $2,778,320
8 85 $15,523 $4,978 $10,545 $2,767,775
8 86 $15,523 $4,959 $10,564 $2,757,211
8 87 $15,523 $4,940 $10,583 $2,746,628
8 88 $15,523 $4,921 $10,602 $2,736,026
8 89 $15,523 $4,902 $10,621 $2,725,405
8 90 $15,523 $4,883 $10,640 $2,714,765
8 91 $15,523 $4,864 $10,659 $2,704,106
8 92 $15,523 $4,845 $10,678 $2,693,428
8 93 $15,523 $4,826 $10,697 $2,682,730
8 94 $15,523 $4,807 $10,716 $2,672,014
8 95 $15,523 $4,787 $10,736 $2,661,278
8 96 $15,523 $4,768 $10,755 $2,650,523
9 97 $15,523 $4,749 $10,774 $2,639,749
9 98 $15,523 $4,730 $10,793 $2,628,956
9 99 $15,523 $4,710 $10,813 $2,618,143
9 100 $15,523 $4,691 $10,832 $2,607,311
9 101 $15,523 $4,671 $10,852 $2,596,459
9 102 $15,523 $4,652 $10,871 $2,585,588
9 103 $15,523 $4,633 $10,891 $2,574,698
9 104 $15,523 $4,613 $10,910 $2,563,788
9 105 $15,523 $4,593 $10,930 $2,552,858
9 106 $15,523 $4,574 $10,949 $2,541,909
9 107 $15,523 $4,554 $10,969 $2,530,940
9 108 $15,523 $4,535 $10,988 $2,519,952
10 109 $15,523 $4,515 $11,008 $2,508,944
10 110 $15,523 $4,495 $11,028 $2,497,916
10 111 $15,523 $4,475 $11,048 $2,486,868
10 112 $15,523 $4,456 $11,067 $2,475,801
10 113 $15,523 $4,436 $11,087 $2,464,714
10 114 $15,523 $4,416 $11,107 $2,453,606
10 115 $15,523 $4,396 $11,127 $2,442,479
10 116 $15,523 $4,376 $11,147 $2,431,333
10 117 $15,523 $4,356 $11,167 $2,420,166
10 118 $15,523 $4,336 $11,187 $2,408,979
10 119 $15,523 $4,316 $11,207 $2,397,772
10 120 $15,523 $4,296 $11,227 $2,386,545
11 121 $15,523 $4,276 $11,247 $2,375,298
11 122 $15,523 $4,256 $11,267 $2,364,030
11 123 $15,523 $4,236 $11,287 $2,352,743
11 124 $15,523 $4,215 $11,308 $2,341,435
11 125 $15,523 $4,195 $11,328 $2,330,107
11 126 $15,523 $4,175 $11,348 $2,318,759
11 127 $15,523 $4,154 $11,369 $2,307,391
11 128 $15,523 $4,134 $11,389 $2,296,002
11 129 $15,523 $4,114 $11,409 $2,284,592
11 130 $15,523 $4,093 $11,430 $2,273,162
11 131 $15,523 $4,073 $11,450 $2,261,712
11 132 $15,523 $4,052 $11,471 $2,250,241
12 133 $15,523 $4,032 $11,491 $2,238,750
12 134 $15,523 $4,011 $11,512 $2,227,238
12 135 $15,523 $3,990 $11,533 $2,215,706
12 136 $15,523 $3,970 $11,553 $2,204,152
12 137 $15,523 $3,949 $11,574 $2,192,579
12 138 $15,523 $3,928 $11,595 $2,180,984
12 139 $15,523 $3,908 $11,615 $2,169,368
12 140 $15,523 $3,887 $11,636 $2,157,732
12 141 $15,523 $3,866 $11,657 $2,146,075
12 142 $15,523 $3,845 $11,678 $2,134,397
12 143 $15,523 $3,824 $11,699 $2,122,698
12 144 $15,523 $3,803 $11,720 $2,110,978
13 145 $15,523 $3,782 $11,741 $2,099,238
13 146 $15,523 $3,761 $11,762 $2,087,476
13 147 $15,523 $3,740 $11,783 $2,075,693
13 148 $15,523 $3,719 $11,804 $2,063,889
13 149 $15,523 $3,698 $11,825 $2,052,063
13 150 $15,523 $3,677 $11,846 $2,040,217
13 151 $15,523 $3,655 $11,868 $2,028,349
13 152 $15,523 $3,634 $11,889 $2,016,461
13 153 $15,523 $3,613 $11,910 $2,004,550
13 154 $15,523 $3,591 $11,932 $1,992,619
13 155 $15,523 $3,570 $11,953 $1,980,666
13 156 $15,523 $3,549 $11,974 $1,968,692
14 157 $15,523 $3,527 $11,996 $1,956,696
14 158 $15,523 $3,506 $12,017 $1,944,679
14 159 $15,523 $3,484 $12,039 $1,932,640
14 160 $15,523 $3,463 $12,060 $1,920,579
14 161 $15,523 $3,441 $12,082 $1,908,497
14 162 $15,523 $3,419 $12,104 $1,896,394
14 163 $15,523 $3,398 $12,125 $1,884,268
14 164 $15,523 $3,376 $12,147 $1,872,121
14 165 $15,523 $3,354 $12,169 $1,859,953
14 166 $15,523 $3,332 $12,191 $1,847,762
14 167 $15,523 $3,311 $12,212 $1,835,550
14 168 $15,523 $3,289 $12,234 $1,823,315
15 169 $15,523 $3,267 $12,256 $1,811,059
15 170 $15,523 $3,245 $12,278 $1,798,781
15 171 $15,523 $3,223 $12,300 $1,786,481
15 172 $15,523 $3,201 $12,322 $1,774,158
15 173 $15,523 $3,179 $12,344 $1,761,814
15 174 $15,523 $3,157 $12,366 $1,749,448
15 175 $15,523 $3,134 $12,389 $1,737,059
15 176 $15,523 $3,112 $12,411 $1,724,648
15 177 $15,523 $3,090 $12,433 $1,712,215
15 178 $15,523 $3,068 $12,455 $1,699,760
15 179 $15,523 $3,045 $12,478 $1,687,282
15 180 $15,523 $3,023 $12,500 $1,674,782
16 181 $15,523 $3,001 $12,522 $1,662,260
16 182 $15,523 $2,978 $12,545 $1,649,715
16 183 $15,523 $2,956 $12,567 $1,637,148
16 184 $15,523 $2,933 $12,590 $1,624,558
16 185 $15,523 $2,911 $12,612 $1,611,946
16 186 $15,523 $2,888 $12,635 $1,599,311
16 187 $15,523 $2,865 $12,658 $1,586,653
16 188 $15,523 $2,843 $12,680 $1,573,973
16 189 $15,523 $2,820 $12,703 $1,561,270
16 190 $15,523 $2,797 $12,726 $1,548,544
16 191 $15,523 $2,774 $12,749 $1,535,796
16 192 $15,523 $2,752 $12,771 $1,523,024
17 193 $15,523 $2,729 $12,794 $1,510,230
17 194 $15,523 $2,706 $12,817 $1,497,413
17 195 $15,523 $2,683 $12,840 $1,484,573
17 196 $15,523 $2,660 $12,863 $1,471,710
17 197 $15,523 $2,637 $12,886 $1,458,823
17 198 $15,523 $2,614 $12,909 $1,445,914
17 199 $15,523 $2,591 $12,932 $1,432,982
17 200 $15,523 $2,567 $12,956 $1,420,026
17 201 $15,523 $2,544 $12,979 $1,407,047
17 202 $15,523 $2,521 $13,002 $1,394,045
17 203 $15,523 $2,498 $13,025 $1,381,020
17 204 $15,523 $2,474 $13,049 $1,367,971
18 205 $15,523 $2,451 $13,072 $1,354,899
18 206 $15,523 $2,428 $13,095 $1,341,804
18 207 $15,523 $2,404 $13,119 $1,328,685
18 208 $15,523 $2,381 $13,142 $1,315,542
18 209 $15,523 $2,357 $13,166 $1,302,376
18 210 $15,523 $2,333 $13,190 $1,289,187
18 211 $15,523 $2,310 $13,213 $1,275,973
18 212 $15,523 $2,286 $13,237 $1,262,736
18 213 $15,523 $2,262 $13,261 $1,249,476
18 214 $15,523 $2,239 $13,284 $1,236,191
18 215 $15,523 $2,215 $13,308 $1,222,883
18 216 $15,523 $2,191 $13,332 $1,209,551
19 217 $15,523 $2,167 $13,356 $1,196,195
19 218 $15,523 $2,143 $13,380 $1,182,816
19 219 $15,523 $2,119 $13,404 $1,169,412
19 220 $15,523 $2,095 $13,428 $1,155,984
19 221 $15,523 $2,071 $13,452 $1,142,532
19 222 $15,523 $2,047 $13,476 $1,129,056
19 223 $15,523 $2,023 $13,500 $1,115,556
19 224 $15,523 $1,999 $13,524 $1,102,032
19 225 $15,523 $1,974 $13,549 $1,088,483
19 226 $15,523 $1,950 $13,573 $1,074,910
19 227 $15,523 $1,926 $13,597 $1,061,313
19 228 $15,523 $1,902 $13,621 $1,047,692
20 229 $15,523 $1,877 $13,646 $1,034,046
20 230 $15,523 $1,853 $13,670 $1,020,375
20 231 $15,523 $1,828 $13,695 $1,006,681
20 232 $15,523 $1,804 $13,719 $992,961
20 233 $15,523 $1,779 $13,744 $979,217
20 234 $15,523 $1,754 $13,769 $965,449
20 235 $15,523 $1,730 $13,793 $951,655
20 236 $15,523 $1,705 $13,818 $937,837
20 237 $15,523 $1,680 $13,843 $923,995
20 238 $15,523 $1,655 $13,868 $910,127
20 239 $15,523 $1,631 $13,892 $896,235
20 240 $15,523 $1,606 $13,917 $882,317
21 241 $15,523 $1,581 $13,942 $868,375
21 242 $15,523 $1,556 $13,967 $854,408
21 243 $15,523 $1,531 $13,992 $840,416
21 244 $15,523 $1,506 $14,017 $826,399
21 245 $15,523 $1,481 $14,042 $812,356
21 246 $15,523 $1,455 $14,068 $798,289
21 247 $15,523 $1,430 $14,093 $784,196
21 248 $15,523 $1,405 $14,118 $770,078
21 249 $15,523 $1,380 $14,143 $755,935
21 250 $15,523 $1,354 $14,169 $741,766
21 251 $15,523 $1,329 $14,194 $727,572
21 252 $15,523 $1,304 $14,219 $713,353
22 253 $15,523 $1,278 $14,245 $699,108
22 254 $15,523 $1,253 $14,270 $684,837
22 255 $15,523 $1,227 $14,296 $670,541
22 256 $15,523 $1,201 $14,322 $656,220
22 257 $15,523 $1,176 $14,347 $641,872
22 258 $15,523 $1,150 $14,373 $627,499
22 259 $15,523 $1,124 $14,399 $613,101
22 260 $15,523 $1,098 $14,425 $598,676
22 261 $15,523 $1,073 $14,450 $584,226
22 262 $15,523 $1,047 $14,476 $569,749
22 263 $15,523 $1,021 $14,502 $555,247
22 264 $15,523 $995 $14,528 $540,719
23 265 $15,523 $969 $14,554 $526,165
23 266 $15,523 $943 $14,580 $511,584
23 267 $15,523 $917 $14,606 $496,978
23 268 $15,523 $890 $14,633 $482,345
23 269 $15,523 $864 $14,659 $467,687
23 270 $15,523 $838 $14,685 $453,001
23 271 $15,523 $812 $14,711 $438,290
23 272 $15,523 $785 $14,738 $423,552
23 273 $15,523 $759 $14,764 $408,788
23 274 $15,523 $732 $14,791 $393,998
23 275 $15,523 $706 $14,817 $379,180
23 276 $15,523 $679 $14,844 $364,337
24 277 $15,523 $653 $14,870 $349,467
24 278 $15,523 $626 $14,897 $334,570
24 279 $15,523 $599 $14,924 $319,646
24 280 $15,523 $573 $14,950 $304,696
24 281 $15,523 $546 $14,977 $289,719
24 282 $15,523 $519 $15,004 $274,715
24 283 $15,523 $492 $15,031 $259,684
24 284 $15,523 $465 $15,058 $244,626
24 285 $15,523 $438 $15,085 $229,541
24 286 $15,523 $411 $15,112 $214,430
24 287 $15,523 $384 $15,139 $199,291
24 288 $15,523 $357 $15,166 $184,125
25 289 $15,523 $330 $15,193 $168,932
25 290 $15,523 $303 $15,220 $153,711
25 291 $15,523 $275 $15,248 $138,464
25 292 $15,523 $248 $15,275 $123,189
25 293 $15,523 $221 $15,302 $107,887
25 294 $15,523 $193 $15,330 $92,557
25 295 $15,523 $166 $15,357 $77,200
25 296 $15,523 $138 $15,385 $61,815
25 297 $15,523 $111 $15,412 $46,403
25 298 $15,523 $83 $15,440 $30,963
25 299 $15,523 $55 $15,468 $15,495
25 300 $15,523 $28 $15,495 $0