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$ 9,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 9,840,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$9,600,000
 
Monthly Repayment (HKD)
$62,092
Loan Amount (HKD)
$14,400,000
+
Total Interest (HKD)
$4,227,620
=
Total Repayment (HKD)
$18,627,620
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $62,092 $25,800 $36,292 $14,363,708
1 2 $62,092 $25,735 $36,357 $14,327,351
1 3 $62,092 $25,670 $36,422 $14,290,929
1 4 $62,092 $25,605 $36,487 $14,254,441
1 5 $62,092 $25,539 $36,553 $14,217,888
1 6 $62,092 $25,474 $36,618 $14,181,270
1 7 $62,092 $25,408 $36,684 $14,144,586
1 8 $62,092 $25,342 $36,750 $14,107,836
1 9 $62,092 $25,277 $36,816 $14,071,021
1 10 $62,092 $25,211 $36,881 $14,034,139
1 11 $62,092 $25,144 $36,948 $13,997,192
1 12 $62,092 $25,078 $37,014 $13,960,178
2 13 $62,092 $25,012 $37,080 $13,923,098
2 14 $62,092 $24,946 $37,147 $13,885,951
2 15 $62,092 $24,879 $37,213 $13,848,738
2 16 $62,092 $24,812 $37,280 $13,811,459
2 17 $62,092 $24,746 $37,347 $13,774,112
2 18 $62,092 $24,679 $37,413 $13,736,699
2 19 $62,092 $24,612 $37,480 $13,699,218
2 20 $62,092 $24,544 $37,548 $13,661,670
2 21 $62,092 $24,477 $37,615 $13,624,056
2 22 $62,092 $24,410 $37,682 $13,586,373
2 23 $62,092 $24,342 $37,750 $13,548,623
2 24 $62,092 $24,275 $37,817 $13,510,806
3 25 $62,092 $24,207 $37,885 $13,472,921
3 26 $62,092 $24,139 $37,953 $13,434,968
3 27 $62,092 $24,071 $38,021 $13,396,947
3 28 $62,092 $24,003 $38,089 $13,358,857
3 29 $62,092 $23,935 $38,157 $13,320,700
3 30 $62,092 $23,866 $38,226 $13,282,474
3 31 $62,092 $23,798 $38,294 $13,244,180
3 32 $62,092 $23,729 $38,363 $13,205,817
3 33 $62,092 $23,660 $38,432 $13,167,385
3 34 $62,092 $23,592 $38,501 $13,128,885
3 35 $62,092 $23,523 $38,569 $13,090,315
3 36 $62,092 $23,453 $38,639 $13,051,677
4 37 $62,092 $23,384 $38,708 $13,012,969
4 38 $62,092 $23,315 $38,777 $12,974,192
4 39 $62,092 $23,245 $38,847 $12,935,345
4 40 $62,092 $23,176 $38,916 $12,896,429
4 41 $62,092 $23,106 $38,986 $12,857,443
4 42 $62,092 $23,036 $39,056 $12,818,387
4 43 $62,092 $22,966 $39,126 $12,779,261
4 44 $62,092 $22,896 $39,196 $12,740,065
4 45 $62,092 $22,826 $39,266 $12,700,799
4 46 $62,092 $22,756 $39,336 $12,661,463
4 47 $62,092 $22,685 $39,407 $12,622,056
4 48 $62,092 $22,615 $39,478 $12,582,578
5 49 $62,092 $22,544 $39,548 $12,543,030
5 50 $62,092 $22,473 $39,619 $12,503,411
5 51 $62,092 $22,402 $39,690 $12,463,721
5 52 $62,092 $22,331 $39,761 $12,423,960
5 53 $62,092 $22,260 $39,832 $12,384,127
5 54 $62,092 $22,188 $39,904 $12,344,223
5 55 $62,092 $22,117 $39,975 $12,304,248
5 56 $62,092 $22,045 $40,047 $12,264,201
5 57 $62,092 $21,973 $40,119 $12,224,082
5 58 $62,092 $21,901 $40,191 $12,183,892
5 59 $62,092 $21,829 $40,263 $12,143,629
5 60 $62,092 $21,757 $40,335 $12,103,294
6 61 $62,092 $21,685 $40,407 $12,062,887
6 62 $62,092 $21,613 $40,479 $12,022,408
6 63 $62,092 $21,540 $40,552 $11,981,856
6 64 $62,092 $21,467 $40,625 $11,941,231
6 65 $62,092 $21,395 $40,697 $11,900,534
6 66 $62,092 $21,322 $40,770 $11,859,764
6 67 $62,092 $21,249 $40,843 $11,818,920
6 68 $62,092 $21,176 $40,917 $11,778,004
6 69 $62,092 $21,102 $40,990 $11,737,014
6 70 $62,092 $21,029 $41,063 $11,695,951
6 71 $62,092 $20,955 $41,137 $11,654,814
6 72 $62,092 $20,882 $41,211 $11,613,604
7 73 $62,092 $20,808 $41,284 $11,572,319
7 74 $62,092 $20,734 $41,358 $11,530,961
7 75 $62,092 $20,660 $41,432 $11,489,528
7 76 $62,092 $20,585 $41,507 $11,448,022
7 77 $62,092 $20,511 $41,581 $11,406,441
7 78 $62,092 $20,437 $41,656 $11,364,785
7 79 $62,092 $20,362 $41,730 $11,323,055
7 80 $62,092 $20,287 $41,805 $11,281,250
7 81 $62,092 $20,212 $41,880 $11,239,370
7 82 $62,092 $20,137 $41,955 $11,197,415
7 83 $62,092 $20,062 $42,030 $11,155,385
7 84 $62,092 $19,987 $42,105 $11,113,280
8 85 $62,092 $19,911 $42,181 $11,071,099
8 86 $62,092 $19,836 $42,256 $11,028,843
8 87 $62,092 $19,760 $42,332 $10,986,511
8 88 $62,092 $19,684 $42,408 $10,944,103
8 89 $62,092 $19,608 $42,484 $10,901,619
8 90 $62,092 $19,532 $42,560 $10,859,059
8 91 $62,092 $19,456 $42,636 $10,816,423
8 92 $62,092 $19,379 $42,713 $10,773,710
8 93 $62,092 $19,303 $42,789 $10,730,921
8 94 $62,092 $19,226 $42,866 $10,688,055
8 95 $62,092 $19,149 $42,943 $10,645,113
8 96 $62,092 $19,072 $43,020 $10,602,093
9 97 $62,092 $18,995 $43,097 $10,558,996
9 98 $62,092 $18,918 $43,174 $10,515,823
9 99 $62,092 $18,841 $43,251 $10,472,571
9 100 $62,092 $18,763 $43,329 $10,429,243
9 101 $62,092 $18,686 $43,406 $10,385,836
9 102 $62,092 $18,608 $43,484 $10,342,352
9 103 $62,092 $18,530 $43,562 $10,298,790
9 104 $62,092 $18,452 $43,640 $10,255,150
9 105 $62,092 $18,374 $43,718 $10,211,432
9 106 $62,092 $18,295 $43,797 $10,167,635
9 107 $62,092 $18,217 $43,875 $10,123,760
9 108 $62,092 $18,138 $43,954 $10,079,806
10 109 $62,092 $18,060 $44,032 $10,035,774
10 110 $62,092 $17,981 $44,111 $9,991,663
10 111 $62,092 $17,902 $44,190 $9,947,472
10 112 $62,092 $17,823 $44,270 $9,903,203
10 113 $62,092 $17,743 $44,349 $9,858,854
10 114 $62,092 $17,664 $44,428 $9,814,426
10 115 $62,092 $17,584 $44,508 $9,769,918
10 116 $62,092 $17,504 $44,588 $9,725,330
10 117 $62,092 $17,425 $44,668 $9,680,663
10 118 $62,092 $17,345 $44,748 $9,635,915
10 119 $62,092 $17,264 $44,828 $9,591,088
10 120 $62,092 $17,184 $44,908 $9,546,179
11 121 $62,092 $17,104 $44,988 $9,501,191
11 122 $62,092 $17,023 $45,069 $9,456,122
11 123 $62,092 $16,942 $45,150 $9,410,972
11 124 $62,092 $16,861 $45,231 $9,365,741
11 125 $62,092 $16,780 $45,312 $9,320,430
11 126 $62,092 $16,699 $45,393 $9,275,037
11 127 $62,092 $16,618 $45,474 $9,229,562
11 128 $62,092 $16,536 $45,556 $9,184,006
11 129 $62,092 $16,455 $45,637 $9,138,369
11 130 $62,092 $16,373 $45,719 $9,092,650
11 131 $62,092 $16,291 $45,801 $9,046,849
11 132 $62,092 $16,209 $45,883 $9,000,966
12 133 $62,092 $16,127 $45,965 $8,955,000
12 134 $62,092 $16,044 $46,048 $8,908,953
12 135 $62,092 $15,962 $46,130 $8,862,823
12 136 $62,092 $15,879 $46,213 $8,816,610
12 137 $62,092 $15,796 $46,296 $8,770,314
12 138 $62,092 $15,713 $46,379 $8,723,935
12 139 $62,092 $15,630 $46,462 $8,677,474
12 140 $62,092 $15,547 $46,545 $8,630,929
12 141 $62,092 $15,464 $46,628 $8,584,301
12 142 $62,092 $15,380 $46,712 $8,537,589
12 143 $62,092 $15,297 $46,796 $8,490,793
12 144 $62,092 $15,213 $46,879 $8,443,914
13 145 $62,092 $15,129 $46,963 $8,396,950
13 146 $62,092 $15,045 $47,048 $8,349,903
13 147 $62,092 $14,960 $47,132 $8,302,771
13 148 $62,092 $14,876 $47,216 $8,255,555
13 149 $62,092 $14,791 $47,301 $8,208,254
13 150 $62,092 $14,706 $47,386 $8,160,868
13 151 $62,092 $14,622 $47,471 $8,113,398
13 152 $62,092 $14,537 $47,556 $8,065,842
13 153 $62,092 $14,451 $47,641 $8,018,201
13 154 $62,092 $14,366 $47,726 $7,970,475
13 155 $62,092 $14,280 $47,812 $7,922,664
13 156 $62,092 $14,195 $47,897 $7,874,766
14 157 $62,092 $14,109 $47,983 $7,826,783
14 158 $62,092 $14,023 $48,069 $7,778,714
14 159 $62,092 $13,937 $48,155 $7,730,559
14 160 $62,092 $13,851 $48,241 $7,682,317
14 161 $62,092 $13,764 $48,328 $7,633,990
14 162 $62,092 $13,678 $48,415 $7,585,575
14 163 $62,092 $13,591 $48,501 $7,537,074
14 164 $62,092 $13,504 $48,588 $7,488,486
14 165 $62,092 $13,417 $48,675 $7,439,810
14 166 $62,092 $13,330 $48,762 $7,391,048
14 167 $62,092 $13,242 $48,850 $7,342,198
14 168 $62,092 $13,155 $48,937 $7,293,261
15 169 $62,092 $13,067 $49,025 $7,244,236
15 170 $62,092 $12,979 $49,113 $7,195,123
15 171 $62,092 $12,891 $49,201 $7,145,922
15 172 $62,092 $12,803 $49,289 $7,096,633
15 173 $62,092 $12,715 $49,377 $7,047,256
15 174 $62,092 $12,626 $49,466 $6,997,790
15 175 $62,092 $12,538 $49,554 $6,948,236
15 176 $62,092 $12,449 $49,643 $6,898,593
15 177 $62,092 $12,360 $49,732 $6,848,861
15 178 $62,092 $12,271 $49,821 $6,799,040
15 179 $62,092 $12,182 $49,910 $6,749,129
15 180 $62,092 $12,092 $50,000 $6,699,129
16 181 $62,092 $12,003 $50,089 $6,649,040
16 182 $62,092 $11,913 $50,179 $6,598,861
16 183 $62,092 $11,823 $50,269 $6,548,592
16 184 $62,092 $11,733 $50,359 $6,498,232
16 185 $62,092 $11,643 $50,449 $6,447,783
16 186 $62,092 $11,552 $50,540 $6,397,243
16 187 $62,092 $11,462 $50,630 $6,346,613
16 188 $62,092 $11,371 $50,721 $6,295,892
16 189 $62,092 $11,280 $50,812 $6,245,080
16 190 $62,092 $11,189 $50,903 $6,194,177
16 191 $62,092 $11,098 $50,994 $6,143,183
16 192 $62,092 $11,007 $51,086 $6,092,097
17 193 $62,092 $10,915 $51,177 $6,040,920
17 194 $62,092 $10,823 $51,269 $5,989,651
17 195 $62,092 $10,731 $51,361 $5,938,291
17 196 $62,092 $10,639 $51,453 $5,886,838
17 197 $62,092 $10,547 $51,545 $5,835,293
17 198 $62,092 $10,455 $51,637 $5,783,656
17 199 $62,092 $10,362 $51,730 $5,731,927
17 200 $62,092 $10,270 $51,822 $5,680,104
17 201 $62,092 $10,177 $51,915 $5,628,189
17 202 $62,092 $10,084 $52,008 $5,576,181
17 203 $62,092 $9,991 $52,101 $5,524,079
17 204 $62,092 $9,897 $52,195 $5,471,885
18 205 $62,092 $9,804 $52,288 $5,419,596
18 206 $62,092 $9,710 $52,382 $5,367,214
18 207 $62,092 $9,616 $52,476 $5,314,739
18 208 $62,092 $9,522 $52,570 $5,262,169
18 209 $62,092 $9,428 $52,664 $5,209,505
18 210 $62,092 $9,334 $52,758 $5,156,746
18 211 $62,092 $9,239 $52,853 $5,103,893
18 212 $62,092 $9,144 $52,948 $5,050,946
18 213 $62,092 $9,050 $53,042 $4,997,903
18 214 $62,092 $8,955 $53,137 $4,944,766
18 215 $62,092 $8,859 $53,233 $4,891,533
18 216 $62,092 $8,764 $53,328 $4,838,205
19 217 $62,092 $8,668 $53,424 $4,784,781
19 218 $62,092 $8,573 $53,519 $4,731,262
19 219 $62,092 $8,477 $53,615 $4,677,647
19 220 $62,092 $8,381 $53,711 $4,623,936
19 221 $62,092 $8,285 $53,808 $4,570,128
19 222 $62,092 $8,188 $53,904 $4,516,224
19 223 $62,092 $8,092 $54,000 $4,462,224
19 224 $62,092 $7,995 $54,097 $4,408,126
19 225 $62,092 $7,898 $54,194 $4,353,932
19 226 $62,092 $7,801 $54,291 $4,299,641
19 227 $62,092 $7,704 $54,389 $4,245,252
19 228 $62,092 $7,606 $54,486 $4,190,766
20 229 $62,092 $7,508 $54,584 $4,136,183
20 230 $62,092 $7,411 $54,681 $4,081,501
20 231 $62,092 $7,313 $54,779 $4,026,722
20 232 $62,092 $7,215 $54,878 $3,971,845
20 233 $62,092 $7,116 $54,976 $3,916,869
20 234 $62,092 $7,018 $55,074 $3,861,794
20 235 $62,092 $6,919 $55,173 $3,806,621
20 236 $62,092 $6,820 $55,272 $3,751,350
20 237 $62,092 $6,721 $55,371 $3,695,979
20 238 $62,092 $6,622 $55,470 $3,640,509
20 239 $62,092 $6,523 $55,569 $3,584,939
20 240 $62,092 $6,423 $55,669 $3,529,270
21 241 $62,092 $6,323 $55,769 $3,473,501
21 242 $62,092 $6,223 $55,869 $3,417,632
21 243 $62,092 $6,123 $55,969 $3,361,664
21 244 $62,092 $6,023 $56,069 $3,305,595
21 245 $62,092 $5,923 $56,170 $3,249,425
21 246 $62,092 $5,822 $56,270 $3,193,155
21 247 $62,092 $5,721 $56,371 $3,136,784
21 248 $62,092 $5,620 $56,472 $3,080,312
21 249 $62,092 $5,519 $56,573 $3,023,739
21 250 $62,092 $5,418 $56,675 $2,967,064
21 251 $62,092 $5,316 $56,776 $2,910,288
21 252 $62,092 $5,214 $56,878 $2,853,410
22 253 $62,092 $5,112 $56,980 $2,796,431
22 254 $62,092 $5,010 $57,082 $2,739,349
22 255 $62,092 $4,908 $57,184 $2,682,165
22 256 $62,092 $4,806 $57,287 $2,624,878
22 257 $62,092 $4,703 $57,389 $2,567,489
22 258 $62,092 $4,600 $57,492 $2,509,997
22 259 $62,092 $4,497 $57,595 $2,452,402
22 260 $62,092 $4,394 $57,698 $2,394,704
22 261 $62,092 $4,291 $57,802 $2,336,902
22 262 $62,092 $4,187 $57,905 $2,278,997
22 263 $62,092 $4,083 $58,009 $2,220,988
22 264 $62,092 $3,979 $58,113 $2,162,876
23 265 $62,092 $3,875 $58,217 $2,104,659
23 266 $62,092 $3,771 $58,321 $2,046,337
23 267 $62,092 $3,666 $58,426 $1,987,912
23 268 $62,092 $3,562 $58,530 $1,929,381
23 269 $62,092 $3,457 $58,635 $1,870,746
23 270 $62,092 $3,352 $58,740 $1,812,006
23 271 $62,092 $3,247 $58,846 $1,753,160
23 272 $62,092 $3,141 $58,951 $1,694,209
23 273 $62,092 $3,035 $59,057 $1,635,153
23 274 $62,092 $2,930 $59,162 $1,575,990
23 275 $62,092 $2,824 $59,268 $1,516,722
23 276 $62,092 $2,717 $59,375 $1,457,347
24 277 $62,092 $2,611 $59,481 $1,397,866
24 278 $62,092 $2,505 $59,588 $1,338,279
24 279 $62,092 $2,398 $59,694 $1,278,584
24 280 $62,092 $2,291 $59,801 $1,218,783
24 281 $62,092 $2,184 $59,908 $1,158,875
24 282 $62,092 $2,076 $60,016 $1,098,859
24 283 $62,092 $1,969 $60,123 $1,038,736
24 284 $62,092 $1,861 $60,231 $978,505
24 285 $62,092 $1,753 $60,339 $918,166
24 286 $62,092 $1,645 $60,447 $857,719
24 287 $62,092 $1,537 $60,555 $797,163
24 288 $62,092 $1,428 $60,664 $736,499
25 289 $62,092 $1,320 $60,773 $675,727
25 290 $62,092 $1,211 $60,881 $614,846
25 291 $62,092 $1,102 $60,990 $553,855
25 292 $62,092 $992 $61,100 $492,755
25 293 $62,092 $883 $61,209 $431,546
25 294 $62,092 $773 $61,319 $370,227
25 295 $62,092 $663 $61,429 $308,799
25 296 $62,092 $553 $61,539 $247,260
25 297 $62,092 $443 $61,649 $185,611
25 298 $62,092 $333 $61,760 $123,851
25 299 $62,092 $222 $61,870 $61,981
25 300 $62,092 $111 $61,981 $0