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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$ 2,880,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,952,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,880,000
 
Monthly Repayment (HKD)
$18,628
Loan Amount (HKD)
$4,320,000
+
Total Interest (HKD)
$1,268,286
=
Total Repayment (HKD)
$5,588,286
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $18,628 $7,740 $10,888 $4,309,112
1 2 $18,628 $7,720 $10,907 $4,298,205
1 3 $18,628 $7,701 $10,927 $4,287,279
1 4 $18,628 $7,681 $10,946 $4,276,332
1 5 $18,628 $7,662 $10,966 $4,265,366
1 6 $18,628 $7,642 $10,986 $4,254,381
1 7 $18,628 $7,622 $11,005 $4,243,376
1 8 $18,628 $7,603 $11,025 $4,232,351
1 9 $18,628 $7,583 $11,045 $4,221,306
1 10 $18,628 $7,563 $11,064 $4,210,242
1 11 $18,628 $7,543 $11,084 $4,199,158
1 12 $18,628 $7,523 $11,104 $4,188,053
2 13 $18,628 $7,504 $11,124 $4,176,929
2 14 $18,628 $7,484 $11,144 $4,165,785
2 15 $18,628 $7,464 $11,164 $4,154,621
2 16 $18,628 $7,444 $11,184 $4,143,438
2 17 $18,628 $7,424 $11,204 $4,132,234
2 18 $18,628 $7,404 $11,224 $4,121,010
2 19 $18,628 $7,383 $11,244 $4,109,765
2 20 $18,628 $7,363 $11,264 $4,098,501
2 21 $18,628 $7,343 $11,284 $4,087,217
2 22 $18,628 $7,323 $11,305 $4,075,912
2 23 $18,628 $7,303 $11,325 $4,064,587
2 24 $18,628 $7,282 $11,345 $4,053,242
3 25 $18,628 $7,262 $11,366 $4,041,876
3 26 $18,628 $7,242 $11,386 $4,030,490
3 27 $18,628 $7,221 $11,406 $4,019,084
3 28 $18,628 $7,201 $11,427 $4,007,657
3 29 $18,628 $7,180 $11,447 $3,996,210
3 30 $18,628 $7,160 $11,468 $3,984,742
3 31 $18,628 $7,139 $11,488 $3,973,254
3 32 $18,628 $7,119 $11,509 $3,961,745
3 33 $18,628 $7,098 $11,529 $3,950,216
3 34 $18,628 $7,077 $11,550 $3,938,665
3 35 $18,628 $7,057 $11,571 $3,927,095
3 36 $18,628 $7,036 $11,592 $3,915,503
4 37 $18,628 $7,015 $11,612 $3,903,891
4 38 $18,628 $6,994 $11,633 $3,892,258
4 39 $18,628 $6,974 $11,654 $3,880,604
4 40 $18,628 $6,953 $11,675 $3,868,929
4 41 $18,628 $6,932 $11,696 $3,857,233
4 42 $18,628 $6,911 $11,717 $3,845,516
4 43 $18,628 $6,890 $11,738 $3,833,778
4 44 $18,628 $6,869 $11,759 $3,822,020
4 45 $18,628 $6,848 $11,780 $3,810,240
4 46 $18,628 $6,827 $11,801 $3,798,439
4 47 $18,628 $6,806 $11,822 $3,786,617
4 48 $18,628 $6,784 $11,843 $3,774,773
5 49 $18,628 $6,763 $11,864 $3,762,909
5 50 $18,628 $6,742 $11,886 $3,751,023
5 51 $18,628 $6,721 $11,907 $3,739,116
5 52 $18,628 $6,699 $11,928 $3,727,188
5 53 $18,628 $6,678 $11,950 $3,715,238
5 54 $18,628 $6,656 $11,971 $3,703,267
5 55 $18,628 $6,635 $11,993 $3,691,274
5 56 $18,628 $6,614 $12,014 $3,679,260
5 57 $18,628 $6,592 $12,036 $3,667,225
5 58 $18,628 $6,570 $12,057 $3,655,167
5 59 $18,628 $6,549 $12,079 $3,643,089
5 60 $18,628 $6,527 $12,100 $3,630,988
6 61 $18,628 $6,506 $12,122 $3,618,866
6 62 $18,628 $6,484 $12,144 $3,606,722
6 63 $18,628 $6,462 $12,166 $3,594,557
6 64 $18,628 $6,440 $12,187 $3,582,369
6 65 $18,628 $6,418 $12,209 $3,570,160
6 66 $18,628 $6,397 $12,231 $3,557,929
6 67 $18,628 $6,375 $12,253 $3,545,676
6 68 $18,628 $6,353 $12,275 $3,533,401
6 69 $18,628 $6,331 $12,297 $3,521,104
6 70 $18,628 $6,309 $12,319 $3,508,785
6 71 $18,628 $6,287 $12,341 $3,496,444
6 72 $18,628 $6,264 $12,363 $3,484,081
7 73 $18,628 $6,242 $12,385 $3,471,696
7 74 $18,628 $6,220 $12,407 $3,459,288
7 75 $18,628 $6,198 $12,430 $3,446,859
7 76 $18,628 $6,176 $12,452 $3,434,407
7 77 $18,628 $6,153 $12,474 $3,421,932
7 78 $18,628 $6,131 $12,497 $3,409,436
7 79 $18,628 $6,109 $12,519 $3,396,917
7 80 $18,628 $6,086 $12,541 $3,384,375
7 81 $18,628 $6,064 $12,564 $3,371,811
7 82 $18,628 $6,041 $12,586 $3,359,225
7 83 $18,628 $6,019 $12,609 $3,346,616
7 84 $18,628 $5,996 $12,632 $3,333,984
8 85 $18,628 $5,973 $12,654 $3,321,330
8 86 $18,628 $5,951 $12,677 $3,308,653
8 87 $18,628 $5,928 $12,700 $3,295,953
8 88 $18,628 $5,905 $12,722 $3,283,231
8 89 $18,628 $5,882 $12,745 $3,270,486
8 90 $18,628 $5,860 $12,768 $3,257,718
8 91 $18,628 $5,837 $12,791 $3,244,927
8 92 $18,628 $5,814 $12,814 $3,232,113
8 93 $18,628 $5,791 $12,837 $3,219,276
8 94 $18,628 $5,768 $12,860 $3,206,417
8 95 $18,628 $5,745 $12,883 $3,193,534
8 96 $18,628 $5,722 $12,906 $3,180,628
9 97 $18,628 $5,699 $12,929 $3,167,699
9 98 $18,628 $5,675 $12,952 $3,154,747
9 99 $18,628 $5,652 $12,975 $3,141,771
9 100 $18,628 $5,629 $12,999 $3,128,773
9 101 $18,628 $5,606 $13,022 $3,115,751
9 102 $18,628 $5,582 $13,045 $3,102,706
9 103 $18,628 $5,559 $13,069 $3,089,637
9 104 $18,628 $5,536 $13,092 $3,076,545
9 105 $18,628 $5,512 $13,115 $3,063,430
9 106 $18,628 $5,489 $13,139 $3,050,291
9 107 $18,628 $5,465 $13,163 $3,037,128
9 108 $18,628 $5,442 $13,186 $3,023,942
10 109 $18,628 $5,418 $13,210 $3,010,732
10 110 $18,628 $5,394 $13,233 $2,997,499
10 111 $18,628 $5,371 $13,257 $2,984,242
10 112 $18,628 $5,347 $13,281 $2,970,961
10 113 $18,628 $5,323 $13,305 $2,957,656
10 114 $18,628 $5,299 $13,328 $2,944,328
10 115 $18,628 $5,275 $13,352 $2,930,975
10 116 $18,628 $5,251 $13,376 $2,917,599
10 117 $18,628 $5,227 $13,400 $2,904,199
10 118 $18,628 $5,203 $13,424 $2,890,775
10 119 $18,628 $5,179 $13,448 $2,877,326
10 120 $18,628 $5,155 $13,472 $2,863,854
11 121 $18,628 $5,131 $13,497 $2,850,357
11 122 $18,628 $5,107 $13,521 $2,836,837
11 123 $18,628 $5,083 $13,545 $2,823,292
11 124 $18,628 $5,058 $13,569 $2,809,722
11 125 $18,628 $5,034 $13,594 $2,796,129
11 126 $18,628 $5,010 $13,618 $2,782,511
11 127 $18,628 $4,985 $13,642 $2,768,869
11 128 $18,628 $4,961 $13,667 $2,755,202
11 129 $18,628 $4,936 $13,691 $2,741,511
11 130 $18,628 $4,912 $13,716 $2,727,795
11 131 $18,628 $4,887 $13,740 $2,714,055
11 132 $18,628 $4,863 $13,765 $2,700,290
12 133 $18,628 $4,838 $13,790 $2,686,500
12 134 $18,628 $4,813 $13,814 $2,672,686
12 135 $18,628 $4,789 $13,839 $2,658,847
12 136 $18,628 $4,764 $13,864 $2,644,983
12 137 $18,628 $4,739 $13,889 $2,631,094
12 138 $18,628 $4,714 $13,914 $2,617,181
12 139 $18,628 $4,689 $13,939 $2,603,242
12 140 $18,628 $4,664 $13,963 $2,589,279
12 141 $18,628 $4,639 $13,988 $2,575,290
12 142 $18,628 $4,614 $14,014 $2,561,277
12 143 $18,628 $4,589 $14,039 $2,547,238
12 144 $18,628 $4,564 $14,064 $2,533,174
13 145 $18,628 $4,539 $14,089 $2,519,085
13 146 $18,628 $4,513 $14,114 $2,504,971
13 147 $18,628 $4,488 $14,140 $2,490,831
13 148 $18,628 $4,463 $14,165 $2,476,666
13 149 $18,628 $4,437 $14,190 $2,462,476
13 150 $18,628 $4,412 $14,216 $2,448,260
13 151 $18,628 $4,386 $14,241 $2,434,019
13 152 $18,628 $4,361 $14,267 $2,419,753
13 153 $18,628 $4,335 $14,292 $2,405,460
13 154 $18,628 $4,310 $14,318 $2,391,143
13 155 $18,628 $4,284 $14,343 $2,376,799
13 156 $18,628 $4,258 $14,369 $2,362,430
14 157 $18,628 $4,233 $14,395 $2,348,035
14 158 $18,628 $4,207 $14,421 $2,333,614
14 159 $18,628 $4,181 $14,447 $2,319,168
14 160 $18,628 $4,155 $14,472 $2,304,695
14 161 $18,628 $4,129 $14,498 $2,290,197
14 162 $18,628 $4,103 $14,524 $2,275,673
14 163 $18,628 $4,077 $14,550 $2,261,122
14 164 $18,628 $4,051 $14,576 $2,246,546
14 165 $18,628 $4,025 $14,603 $2,231,943
14 166 $18,628 $3,999 $14,629 $2,217,314
14 167 $18,628 $3,973 $14,655 $2,202,659
14 168 $18,628 $3,946 $14,681 $2,187,978
15 169 $18,628 $3,920 $14,707 $2,173,271
15 170 $18,628 $3,894 $14,734 $2,158,537
15 171 $18,628 $3,867 $14,760 $2,143,777
15 172 $18,628 $3,841 $14,787 $2,128,990
15 173 $18,628 $3,814 $14,813 $2,114,177
15 174 $18,628 $3,788 $14,840 $2,099,337
15 175 $18,628 $3,761 $14,866 $2,084,471
15 176 $18,628 $3,735 $14,893 $2,069,578
15 177 $18,628 $3,708 $14,920 $2,054,658
15 178 $18,628 $3,681 $14,946 $2,039,712
15 179 $18,628 $3,654 $14,973 $2,024,739
15 180 $18,628 $3,628 $15,000 $2,009,739
16 181 $18,628 $3,601 $15,027 $1,994,712
16 182 $18,628 $3,574 $15,054 $1,979,658
16 183 $18,628 $3,547 $15,081 $1,964,577
16 184 $18,628 $3,520 $15,108 $1,949,470
16 185 $18,628 $3,493 $15,135 $1,934,335
16 186 $18,628 $3,466 $15,162 $1,919,173
16 187 $18,628 $3,439 $15,189 $1,903,984
16 188 $18,628 $3,411 $15,216 $1,888,768
16 189 $18,628 $3,384 $15,244 $1,873,524
16 190 $18,628 $3,357 $15,271 $1,858,253
16 191 $18,628 $3,329 $15,298 $1,842,955
16 192 $18,628 $3,302 $15,326 $1,827,629
17 193 $18,628 $3,275 $15,353 $1,812,276
17 194 $18,628 $3,247 $15,381 $1,796,895
17 195 $18,628 $3,219 $15,408 $1,781,487
17 196 $18,628 $3,192 $15,436 $1,766,051
17 197 $18,628 $3,164 $15,463 $1,750,588
17 198 $18,628 $3,136 $15,491 $1,735,097
17 199 $18,628 $3,109 $15,519 $1,719,578
17 200 $18,628 $3,081 $15,547 $1,704,031
17 201 $18,628 $3,053 $15,575 $1,688,457
17 202 $18,628 $3,025 $15,602 $1,672,854
17 203 $18,628 $2,997 $15,630 $1,657,224
17 204 $18,628 $2,969 $15,658 $1,641,565
18 205 $18,628 $2,941 $15,686 $1,625,879
18 206 $18,628 $2,913 $15,715 $1,610,164
18 207 $18,628 $2,885 $15,743 $1,594,422
18 208 $18,628 $2,857 $15,771 $1,578,651
18 209 $18,628 $2,828 $15,799 $1,562,851
18 210 $18,628 $2,800 $15,828 $1,547,024
18 211 $18,628 $2,772 $15,856 $1,531,168
18 212 $18,628 $2,743 $15,884 $1,515,284
18 213 $18,628 $2,715 $15,913 $1,499,371
18 214 $18,628 $2,686 $15,941 $1,483,430
18 215 $18,628 $2,658 $15,970 $1,467,460
18 216 $18,628 $2,629 $15,998 $1,451,462
19 217 $18,628 $2,601 $16,027 $1,435,434
19 218 $18,628 $2,572 $16,056 $1,419,379
19 219 $18,628 $2,543 $16,085 $1,403,294
19 220 $18,628 $2,514 $16,113 $1,387,181
19 221 $18,628 $2,485 $16,142 $1,371,038
19 222 $18,628 $2,456 $16,171 $1,354,867
19 223 $18,628 $2,427 $16,200 $1,338,667
19 224 $18,628 $2,398 $16,229 $1,322,438
19 225 $18,628 $2,369 $16,258 $1,306,180
19 226 $18,628 $2,340 $16,287 $1,289,892
19 227 $18,628 $2,311 $16,317 $1,273,576
19 228 $18,628 $2,282 $16,346 $1,257,230
20 229 $18,628 $2,253 $16,375 $1,240,855
20 230 $18,628 $2,223 $16,404 $1,224,450
20 231 $18,628 $2,194 $16,434 $1,208,017
20 232 $18,628 $2,164 $16,463 $1,191,553
20 233 $18,628 $2,135 $16,493 $1,175,061
20 234 $18,628 $2,105 $16,522 $1,158,538
20 235 $18,628 $2,076 $16,552 $1,141,986
20 236 $18,628 $2,046 $16,582 $1,125,405
20 237 $18,628 $2,016 $16,611 $1,108,794
20 238 $18,628 $1,987 $16,641 $1,092,153
20 239 $18,628 $1,957 $16,671 $1,075,482
20 240 $18,628 $1,927 $16,701 $1,058,781
21 241 $18,628 $1,897 $16,731 $1,042,050
21 242 $18,628 $1,867 $16,761 $1,025,290
21 243 $18,628 $1,837 $16,791 $1,008,499
21 244 $18,628 $1,807 $16,821 $991,678
21 245 $18,628 $1,777 $16,851 $974,828
21 246 $18,628 $1,747 $16,881 $957,946
21 247 $18,628 $1,716 $16,911 $941,035
21 248 $18,628 $1,686 $16,942 $924,094
21 249 $18,628 $1,656 $16,972 $907,122
21 250 $18,628 $1,625 $17,002 $890,119
21 251 $18,628 $1,595 $17,033 $873,086
21 252 $18,628 $1,564 $17,063 $856,023
22 253 $18,628 $1,534 $17,094 $838,929
22 254 $18,628 $1,503 $17,125 $821,805
22 255 $18,628 $1,472 $17,155 $804,649
22 256 $18,628 $1,442 $17,186 $787,463
22 257 $18,628 $1,411 $17,217 $770,247
22 258 $18,628 $1,380 $17,248 $752,999
22 259 $18,628 $1,349 $17,278 $735,721
22 260 $18,628 $1,318 $17,309 $718,411
22 261 $18,628 $1,287 $17,340 $701,071
22 262 $18,628 $1,256 $17,372 $683,699
22 263 $18,628 $1,225 $17,403 $666,297
22 264 $18,628 $1,194 $17,434 $648,863
23 265 $18,628 $1,163 $17,465 $631,398
23 266 $18,628 $1,131 $17,496 $613,901
23 267 $18,628 $1,100 $17,528 $596,374
23 268 $18,628 $1,069 $17,559 $578,814
23 269 $18,628 $1,037 $17,591 $561,224
23 270 $18,628 $1,006 $17,622 $543,602
23 271 $18,628 $974 $17,654 $525,948
23 272 $18,628 $942 $17,685 $508,263
23 273 $18,628 $911 $17,717 $490,546
23 274 $18,628 $879 $17,749 $472,797
23 275 $18,628 $847 $17,781 $455,017
23 276 $18,628 $815 $17,812 $437,204
24 277 $18,628 $783 $17,844 $419,360
24 278 $18,628 $751 $17,876 $401,484
24 279 $18,628 $719 $17,908 $383,575
24 280 $18,628 $687 $17,940 $365,635
24 281 $18,628 $655 $17,973 $347,662
24 282 $18,628 $623 $18,005 $329,658
24 283 $18,628 $591 $18,037 $311,621
24 284 $18,628 $558 $18,069 $293,551
24 285 $18,628 $526 $18,102 $275,450
24 286 $18,628 $494 $18,134 $257,316
24 287 $18,628 $461 $18,167 $239,149
24 288 $18,628 $428 $18,199 $220,950
25 289 $18,628 $396 $18,232 $202,718
25 290 $18,628 $363 $18,264 $184,454
25 291 $18,628 $330 $18,297 $166,157
25 292 $18,628 $298 $18,330 $147,827
25 293 $18,628 $265 $18,363 $129,464
25 294 $18,628 $232 $18,396 $111,068
25 295 $18,628 $199 $18,429 $92,640
25 296 $18,628 $166 $18,462 $74,178
25 297 $18,628 $133 $18,495 $55,683
25 298 $18,628 $100 $18,528 $37,155
25 299 $18,628 $67 $18,561 $18,594
25 300 $18,628 $33 $18,594 $0