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$ 2,740,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 2,808,500
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$2,740,000
 
Monthly Repayment (HKD)
$17,722
Loan Amount (HKD)
$4,110,000
+
Total Interest (HKD)
$1,206,633
=
Total Repayment (HKD)
$5,316,633
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $17,722 $7,364 $10,358 $4,099,642
1 2 $17,722 $7,345 $10,377 $4,089,265
1 3 $17,722 $7,327 $10,396 $4,078,869
1 4 $17,722 $7,308 $10,414 $4,068,455
1 5 $17,722 $7,289 $10,433 $4,058,022
1 6 $17,722 $7,271 $10,451 $4,047,571
1 7 $17,722 $7,252 $10,470 $4,037,101
1 8 $17,722 $7,233 $10,489 $4,026,612
1 9 $17,722 $7,214 $10,508 $4,016,104
1 10 $17,722 $7,196 $10,527 $4,005,577
1 11 $17,722 $7,177 $10,545 $3,995,032
1 12 $17,722 $7,158 $10,564 $3,984,467
2 13 $17,722 $7,139 $10,583 $3,973,884
2 14 $17,722 $7,120 $10,602 $3,963,282
2 15 $17,722 $7,101 $10,621 $3,952,661
2 16 $17,722 $7,082 $10,640 $3,942,020
2 17 $17,722 $7,063 $10,659 $3,931,361
2 18 $17,722 $7,044 $10,678 $3,920,683
2 19 $17,722 $7,025 $10,698 $3,909,985
2 20 $17,722 $7,005 $10,717 $3,899,268
2 21 $17,722 $6,986 $10,736 $3,888,533
2 22 $17,722 $6,967 $10,755 $3,877,777
2 23 $17,722 $6,948 $10,774 $3,867,003
2 24 $17,722 $6,928 $10,794 $3,856,209
3 25 $17,722 $6,909 $10,813 $3,845,396
3 26 $17,722 $6,890 $10,832 $3,834,564
3 27 $17,722 $6,870 $10,852 $3,823,712
3 28 $17,722 $6,851 $10,871 $3,812,841
3 29 $17,722 $6,831 $10,891 $3,801,950
3 30 $17,722 $6,812 $10,910 $3,791,039
3 31 $17,722 $6,792 $10,930 $3,780,110
3 32 $17,722 $6,773 $10,949 $3,769,160
3 33 $17,722 $6,753 $10,969 $3,758,191
3 34 $17,722 $6,733 $10,989 $3,747,203
3 35 $17,722 $6,714 $11,008 $3,736,194
3 36 $17,722 $6,694 $11,028 $3,725,166
4 37 $17,722 $6,674 $11,048 $3,714,118
4 38 $17,722 $6,654 $11,068 $3,703,051
4 39 $17,722 $6,635 $11,087 $3,691,963
4 40 $17,722 $6,615 $11,107 $3,680,856
4 41 $17,722 $6,595 $11,127 $3,669,728
4 42 $17,722 $6,575 $11,147 $3,658,581
4 43 $17,722 $6,555 $11,167 $3,647,414
4 44 $17,722 $6,535 $11,187 $3,636,227
4 45 $17,722 $6,515 $11,207 $3,625,020
4 46 $17,722 $6,495 $11,227 $3,613,793
4 47 $17,722 $6,475 $11,247 $3,602,545
4 48 $17,722 $6,455 $11,268 $3,591,278
5 49 $17,722 $6,434 $11,288 $3,579,990
5 50 $17,722 $6,414 $11,308 $3,568,682
5 51 $17,722 $6,394 $11,328 $3,557,354
5 52 $17,722 $6,374 $11,349 $3,546,005
5 53 $17,722 $6,353 $11,369 $3,534,636
5 54 $17,722 $6,333 $11,389 $3,523,247
5 55 $17,722 $6,312 $11,410 $3,511,837
5 56 $17,722 $6,292 $11,430 $3,500,407
5 57 $17,722 $6,272 $11,451 $3,488,957
5 58 $17,722 $6,251 $11,471 $3,477,486
5 59 $17,722 $6,230 $11,492 $3,465,994
5 60 $17,722 $6,210 $11,512 $3,454,482
6 61 $17,722 $6,189 $11,533 $3,442,949
6 62 $17,722 $6,169 $11,553 $3,431,396
6 63 $17,722 $6,148 $11,574 $3,419,821
6 64 $17,722 $6,127 $11,595 $3,408,226
6 65 $17,722 $6,106 $11,616 $3,396,611
6 66 $17,722 $6,086 $11,637 $3,384,974
6 67 $17,722 $6,065 $11,657 $3,373,317
6 68 $17,722 $6,044 $11,678 $3,361,639
6 69 $17,722 $6,023 $11,699 $3,349,939
6 70 $17,722 $6,002 $11,720 $3,338,219
6 71 $17,722 $5,981 $11,741 $3,326,478
6 72 $17,722 $5,960 $11,762 $3,314,716
7 73 $17,722 $5,939 $11,783 $3,302,933
7 74 $17,722 $5,918 $11,804 $3,291,128
7 75 $17,722 $5,897 $11,826 $3,279,303
7 76 $17,722 $5,875 $11,847 $3,267,456
7 77 $17,722 $5,854 $11,868 $3,255,588
7 78 $17,722 $5,833 $11,889 $3,243,699
7 79 $17,722 $5,812 $11,910 $3,231,789
7 80 $17,722 $5,790 $11,932 $3,219,857
7 81 $17,722 $5,769 $11,953 $3,207,904
7 82 $17,722 $5,747 $11,975 $3,195,929
7 83 $17,722 $5,726 $11,996 $3,183,933
7 84 $17,722 $5,705 $12,018 $3,171,915
8 85 $17,722 $5,683 $12,039 $3,159,876
8 86 $17,722 $5,661 $12,061 $3,147,816
8 87 $17,722 $5,640 $12,082 $3,135,733
8 88 $17,722 $5,618 $12,104 $3,123,629
8 89 $17,722 $5,597 $12,126 $3,111,504
8 90 $17,722 $5,575 $12,147 $3,099,356
8 91 $17,722 $5,553 $12,169 $3,087,187
8 92 $17,722 $5,531 $12,191 $3,074,996
8 93 $17,722 $5,509 $12,213 $3,062,784
8 94 $17,722 $5,487 $12,235 $3,050,549
8 95 $17,722 $5,466 $12,257 $3,038,293
8 96 $17,722 $5,444 $12,279 $3,026,014
9 97 $17,722 $5,422 $12,301 $3,013,714
9 98 $17,722 $5,400 $12,323 $3,001,391
9 99 $17,722 $5,377 $12,345 $2,989,046
9 100 $17,722 $5,355 $12,367 $2,976,680
9 101 $17,722 $5,333 $12,389 $2,964,291
9 102 $17,722 $5,311 $12,411 $2,951,880
9 103 $17,722 $5,289 $12,433 $2,939,446
9 104 $17,722 $5,267 $12,456 $2,926,991
9 105 $17,722 $5,244 $12,478 $2,914,513
9 106 $17,722 $5,222 $12,500 $2,902,013
9 107 $17,722 $5,199 $12,523 $2,889,490
9 108 $17,722 $5,177 $12,545 $2,876,945
10 109 $17,722 $5,155 $12,568 $2,864,377
10 110 $17,722 $5,132 $12,590 $2,851,787
10 111 $17,722 $5,109 $12,613 $2,839,174
10 112 $17,722 $5,087 $12,635 $2,826,539
10 113 $17,722 $5,064 $12,658 $2,813,881
10 114 $17,722 $5,042 $12,681 $2,801,201
10 115 $17,722 $5,019 $12,703 $2,788,497
10 116 $17,722 $4,996 $12,726 $2,775,771
10 117 $17,722 $4,973 $12,749 $2,763,023
10 118 $17,722 $4,950 $12,772 $2,750,251
10 119 $17,722 $4,928 $12,795 $2,737,456
10 120 $17,722 $4,905 $12,818 $2,724,639
11 121 $17,722 $4,882 $12,840 $2,711,798
11 122 $17,722 $4,859 $12,863 $2,698,935
11 123 $17,722 $4,836 $12,887 $2,686,048
11 124 $17,722 $4,813 $12,910 $2,673,139
11 125 $17,722 $4,789 $12,933 $2,660,206
11 126 $17,722 $4,766 $12,956 $2,647,250
11 127 $17,722 $4,743 $12,979 $2,634,271
11 128 $17,722 $4,720 $13,002 $2,621,269
11 129 $17,722 $4,696 $13,026 $2,608,243
11 130 $17,722 $4,673 $13,049 $2,595,194
11 131 $17,722 $4,650 $13,072 $2,582,121
11 132 $17,722 $4,626 $13,096 $2,569,026
12 133 $17,722 $4,603 $13,119 $2,555,906
12 134 $17,722 $4,579 $13,143 $2,542,764
12 135 $17,722 $4,556 $13,166 $2,529,597
12 136 $17,722 $4,532 $13,190 $2,516,407
12 137 $17,722 $4,509 $13,214 $2,503,194
12 138 $17,722 $4,485 $13,237 $2,489,957
12 139 $17,722 $4,461 $13,261 $2,476,696
12 140 $17,722 $4,437 $13,285 $2,463,411
12 141 $17,722 $4,414 $13,308 $2,450,102
12 142 $17,722 $4,390 $13,332 $2,436,770
12 143 $17,722 $4,366 $13,356 $2,423,414
12 144 $17,722 $4,342 $13,380 $2,410,034
13 145 $17,722 $4,318 $13,404 $2,396,630
13 146 $17,722 $4,294 $13,428 $2,383,201
13 147 $17,722 $4,270 $13,452 $2,369,749
13 148 $17,722 $4,246 $13,476 $2,356,273
13 149 $17,722 $4,222 $13,500 $2,342,772
13 150 $17,722 $4,197 $13,525 $2,329,248
13 151 $17,722 $4,173 $13,549 $2,315,699
13 152 $17,722 $4,149 $13,573 $2,302,126
13 153 $17,722 $4,125 $13,597 $2,288,528
13 154 $17,722 $4,100 $13,622 $2,274,906
13 155 $17,722 $4,076 $13,646 $2,261,260
13 156 $17,722 $4,051 $13,671 $2,247,590
14 157 $17,722 $4,027 $13,695 $2,233,894
14 158 $17,722 $4,002 $13,720 $2,220,175
14 159 $17,722 $3,978 $13,744 $2,206,430
14 160 $17,722 $3,953 $13,769 $2,192,661
14 161 $17,722 $3,929 $13,794 $2,178,868
14 162 $17,722 $3,904 $13,818 $2,165,050
14 163 $17,722 $3,879 $13,843 $2,151,206
14 164 $17,722 $3,854 $13,868 $2,137,339
14 165 $17,722 $3,829 $13,893 $2,123,446
14 166 $17,722 $3,805 $13,918 $2,109,528
14 167 $17,722 $3,780 $13,943 $2,095,586
14 168 $17,722 $3,755 $13,968 $2,081,618
15 169 $17,722 $3,730 $13,993 $2,067,626
15 170 $17,722 $3,704 $14,018 $2,053,608
15 171 $17,722 $3,679 $14,043 $2,039,565
15 172 $17,722 $3,654 $14,068 $2,025,497
15 173 $17,722 $3,629 $14,093 $2,011,404
15 174 $17,722 $3,604 $14,118 $1,997,286
15 175 $17,722 $3,578 $14,144 $1,983,142
15 176 $17,722 $3,553 $14,169 $1,968,973
15 177 $17,722 $3,528 $14,194 $1,954,779
15 178 $17,722 $3,502 $14,220 $1,940,559
15 179 $17,722 $3,477 $14,245 $1,926,314
15 180 $17,722 $3,451 $14,271 $1,912,043
16 181 $17,722 $3,426 $14,296 $1,897,747
16 182 $17,722 $3,400 $14,322 $1,883,425
16 183 $17,722 $3,374 $14,348 $1,869,077
16 184 $17,722 $3,349 $14,373 $1,854,704
16 185 $17,722 $3,323 $14,399 $1,840,305
16 186 $17,722 $3,297 $14,425 $1,825,880
16 187 $17,722 $3,271 $14,451 $1,811,429
16 188 $17,722 $3,245 $14,477 $1,796,952
16 189 $17,722 $3,220 $14,503 $1,782,450
16 190 $17,722 $3,194 $14,529 $1,767,921
16 191 $17,722 $3,168 $14,555 $1,753,367
16 192 $17,722 $3,141 $14,581 $1,738,786
17 193 $17,722 $3,115 $14,607 $1,724,179
17 194 $17,722 $3,089 $14,633 $1,709,546
17 195 $17,722 $3,063 $14,659 $1,694,887
17 196 $17,722 $3,037 $14,685 $1,680,202
17 197 $17,722 $3,010 $14,712 $1,665,490
17 198 $17,722 $2,984 $14,738 $1,650,752
17 199 $17,722 $2,958 $14,765 $1,635,987
17 200 $17,722 $2,931 $14,791 $1,621,196
17 201 $17,722 $2,905 $14,817 $1,606,379
17 202 $17,722 $2,878 $14,844 $1,591,535
17 203 $17,722 $2,852 $14,871 $1,576,664
17 204 $17,722 $2,825 $14,897 $1,561,767
18 205 $17,722 $2,798 $14,924 $1,546,843
18 206 $17,722 $2,771 $14,951 $1,531,892
18 207 $17,722 $2,745 $14,977 $1,516,915
18 208 $17,722 $2,718 $15,004 $1,501,911
18 209 $17,722 $2,691 $15,031 $1,486,879
18 210 $17,722 $2,664 $15,058 $1,471,821
18 211 $17,722 $2,637 $15,085 $1,456,736
18 212 $17,722 $2,610 $15,112 $1,441,624
18 213 $17,722 $2,583 $15,139 $1,426,485
18 214 $17,722 $2,556 $15,166 $1,411,319
18 215 $17,722 $2,529 $15,193 $1,396,125
18 216 $17,722 $2,501 $15,221 $1,380,904
19 217 $17,722 $2,474 $15,248 $1,365,656
19 218 $17,722 $2,447 $15,275 $1,350,381
19 219 $17,722 $2,419 $15,303 $1,335,078
19 220 $17,722 $2,392 $15,330 $1,319,748
19 221 $17,722 $2,365 $15,358 $1,304,391
19 222 $17,722 $2,337 $15,385 $1,289,006
19 223 $17,722 $2,309 $15,413 $1,273,593
19 224 $17,722 $2,282 $15,440 $1,258,153
19 225 $17,722 $2,254 $15,468 $1,242,685
19 226 $17,722 $2,226 $15,496 $1,227,189
19 227 $17,722 $2,199 $15,523 $1,211,666
19 228 $17,722 $2,171 $15,551 $1,196,115
20 229 $17,722 $2,143 $15,579 $1,180,536
20 230 $17,722 $2,115 $15,607 $1,164,929
20 231 $17,722 $2,087 $15,635 $1,149,294
20 232 $17,722 $2,059 $15,663 $1,133,631
20 233 $17,722 $2,031 $15,691 $1,117,940
20 234 $17,722 $2,003 $15,719 $1,102,220
20 235 $17,722 $1,975 $15,747 $1,086,473
20 236 $17,722 $1,947 $15,776 $1,070,698
20 237 $17,722 $1,918 $15,804 $1,054,894
20 238 $17,722 $1,890 $15,832 $1,039,062
20 239 $17,722 $1,862 $15,860 $1,023,201
20 240 $17,722 $1,833 $15,889 $1,007,312
21 241 $17,722 $1,805 $15,917 $991,395
21 242 $17,722 $1,776 $15,946 $975,449
21 243 $17,722 $1,748 $15,974 $959,475
21 244 $17,722 $1,719 $16,003 $943,472
21 245 $17,722 $1,690 $16,032 $927,440
21 246 $17,722 $1,662 $16,060 $911,380
21 247 $17,722 $1,633 $16,089 $895,290
21 248 $17,722 $1,604 $16,118 $879,172
21 249 $17,722 $1,575 $16,147 $863,025
21 250 $17,722 $1,546 $16,176 $846,850
21 251 $17,722 $1,517 $16,205 $830,645
21 252 $17,722 $1,488 $16,234 $814,411
22 253 $17,722 $1,459 $16,263 $798,148
22 254 $17,722 $1,430 $16,292 $781,856
22 255 $17,722 $1,401 $16,321 $765,535
22 256 $17,722 $1,372 $16,351 $749,184
22 257 $17,722 $1,342 $16,380 $732,804
22 258 $17,722 $1,313 $16,409 $716,395
22 259 $17,722 $1,284 $16,439 $699,956
22 260 $17,722 $1,254 $16,468 $683,488
22 261 $17,722 $1,225 $16,498 $666,991
22 262 $17,722 $1,195 $16,527 $650,464
22 263 $17,722 $1,165 $16,557 $633,907
22 264 $17,722 $1,136 $16,586 $617,321
23 265 $17,722 $1,106 $16,616 $600,705
23 266 $17,722 $1,076 $16,646 $584,059
23 267 $17,722 $1,046 $16,676 $567,383
23 268 $17,722 $1,017 $16,706 $550,678
23 269 $17,722 $987 $16,735 $533,942
23 270 $17,722 $957 $16,765 $517,177
23 271 $17,722 $927 $16,796 $500,381
23 272 $17,722 $897 $16,826 $483,556
23 273 $17,722 $866 $16,856 $466,700
23 274 $17,722 $836 $16,886 $449,814
23 275 $17,722 $806 $16,916 $432,898
23 276 $17,722 $776 $16,947 $415,951
24 277 $17,722 $745 $16,977 $398,974
24 278 $17,722 $715 $17,007 $381,967
24 279 $17,722 $684 $17,038 $364,929
24 280 $17,722 $654 $17,068 $347,861
24 281 $17,722 $623 $17,099 $330,762
24 282 $17,722 $593 $17,129 $313,633
24 283 $17,722 $562 $17,160 $296,472
24 284 $17,722 $531 $17,191 $279,282
24 285 $17,722 $500 $17,222 $262,060
24 286 $17,722 $470 $17,253 $244,807
24 287 $17,722 $439 $17,283 $227,524
24 288 $17,722 $408 $17,314 $210,209
25 289 $17,722 $377 $17,345 $192,864
25 290 $17,722 $346 $17,377 $175,487
25 291 $17,722 $314 $17,408 $158,079
25 292 $17,722 $283 $17,439 $140,641
25 293 $17,722 $252 $17,470 $123,170
25 294 $17,722 $221 $17,501 $105,669
25 295 $17,722 $189 $17,533 $88,136
25 296 $17,722 $158 $17,564 $70,572
25 297 $17,722 $126 $17,596 $52,976
25 298 $17,722 $95 $17,627 $35,349
25 299 $17,722 $63 $17,659 $17,690
25 300 $17,722 $32 $17,690 $0