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$ 7,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 7,503,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$7,320,000
 
Monthly Repayment (HKD)
$47,345
Loan Amount (HKD)
$10,980,000
+
Total Interest (HKD)
$3,223,560
=
Total Repayment (HKD)
$14,203,560
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $47,345 $19,673 $27,673 $10,952,327
1 2 $47,345 $19,623 $27,722 $10,924,605
1 3 $47,345 $19,573 $27,772 $10,896,833
1 4 $47,345 $19,523 $27,822 $10,869,011
1 5 $47,345 $19,474 $27,872 $10,841,140
1 6 $47,345 $19,424 $27,921 $10,813,218
1 7 $47,345 $19,374 $27,972 $10,785,247
1 8 $47,345 $19,324 $28,022 $10,757,225
1 9 $47,345 $19,273 $28,072 $10,729,153
1 10 $47,345 $19,223 $28,122 $10,701,031
1 11 $47,345 $19,173 $28,173 $10,672,859
1 12 $47,345 $19,122 $28,223 $10,644,636
2 13 $47,345 $19,072 $28,274 $10,616,362
2 14 $47,345 $19,021 $28,324 $10,588,038
2 15 $47,345 $18,970 $28,375 $10,559,663
2 16 $47,345 $18,919 $28,426 $10,531,237
2 17 $47,345 $18,868 $28,477 $10,502,760
2 18 $47,345 $18,817 $28,528 $10,474,233
2 19 $47,345 $18,766 $28,579 $10,445,654
2 20 $47,345 $18,715 $28,630 $10,417,024
2 21 $47,345 $18,664 $28,681 $10,388,342
2 22 $47,345 $18,612 $28,733 $10,359,610
2 23 $47,345 $18,561 $28,784 $10,330,825
2 24 $47,345 $18,509 $28,836 $10,301,990
3 25 $47,345 $18,458 $28,887 $10,273,102
3 26 $47,345 $18,406 $28,939 $10,244,163
3 27 $47,345 $18,354 $28,991 $10,215,172
3 28 $47,345 $18,302 $29,043 $10,186,129
3 29 $47,345 $18,250 $29,095 $10,157,034
3 30 $47,345 $18,198 $29,147 $10,127,887
3 31 $47,345 $18,146 $29,199 $10,098,687
3 32 $47,345 $18,093 $29,252 $10,069,435
3 33 $47,345 $18,041 $29,304 $10,040,131
3 34 $47,345 $17,989 $29,357 $10,010,775
3 35 $47,345 $17,936 $29,409 $9,981,365
3 36 $47,345 $17,883 $29,462 $9,951,903
4 37 $47,345 $17,830 $29,515 $9,922,389
4 38 $47,345 $17,778 $29,568 $9,892,821
4 39 $47,345 $17,725 $29,621 $9,863,201
4 40 $47,345 $17,672 $29,674 $9,833,527
4 41 $47,345 $17,618 $29,727 $9,803,800
4 42 $47,345 $17,565 $29,780 $9,774,020
4 43 $47,345 $17,512 $29,833 $9,744,187
4 44 $47,345 $17,458 $29,887 $9,714,300
4 45 $47,345 $17,405 $29,940 $9,684,359
4 46 $47,345 $17,351 $29,994 $9,654,365
4 47 $47,345 $17,297 $30,048 $9,624,318
4 48 $47,345 $17,244 $30,102 $9,594,216
5 49 $47,345 $17,190 $30,156 $9,564,060
5 50 $47,345 $17,136 $30,210 $9,533,851
5 51 $47,345 $17,081 $30,264 $9,503,587
5 52 $47,345 $17,027 $30,318 $9,473,269
5 53 $47,345 $16,973 $30,372 $9,442,897
5 54 $47,345 $16,919 $30,427 $9,412,470
5 55 $47,345 $16,864 $30,481 $9,381,989
5 56 $47,345 $16,809 $30,536 $9,351,453
5 57 $47,345 $16,755 $30,591 $9,320,863
5 58 $47,345 $16,700 $30,645 $9,290,217
5 59 $47,345 $16,645 $30,700 $9,259,517
5 60 $47,345 $16,590 $30,755 $9,228,762
6 61 $47,345 $16,535 $30,810 $9,197,952
6 62 $47,345 $16,480 $30,866 $9,167,086
6 63 $47,345 $16,424 $30,921 $9,136,165
6 64 $47,345 $16,369 $30,976 $9,105,189
6 65 $47,345 $16,313 $31,032 $9,074,157
6 66 $47,345 $16,258 $31,087 $9,043,070
6 67 $47,345 $16,202 $31,143 $9,011,927
6 68 $47,345 $16,146 $31,199 $8,980,728
6 69 $47,345 $16,090 $31,255 $8,949,473
6 70 $47,345 $16,034 $31,311 $8,918,163
6 71 $47,345 $15,978 $31,367 $8,886,796
6 72 $47,345 $15,922 $31,423 $8,855,373
7 73 $47,345 $15,866 $31,479 $8,823,893
7 74 $47,345 $15,809 $31,536 $8,792,358
7 75 $47,345 $15,753 $31,592 $8,760,765
7 76 $47,345 $15,696 $31,649 $8,729,117
7 77 $47,345 $15,640 $31,706 $8,697,411
7 78 $47,345 $15,583 $31,762 $8,665,649
7 79 $47,345 $15,526 $31,819 $8,633,829
7 80 $47,345 $15,469 $31,876 $8,601,953
7 81 $47,345 $15,412 $31,933 $8,570,020
7 82 $47,345 $15,355 $31,991 $8,538,029
7 83 $47,345 $15,297 $32,048 $8,505,981
7 84 $47,345 $15,240 $32,105 $8,473,876
8 85 $47,345 $15,182 $32,163 $8,441,713
8 86 $47,345 $15,125 $32,220 $8,409,493
8 87 $47,345 $15,067 $32,278 $8,377,215
8 88 $47,345 $15,009 $32,336 $8,344,879
8 89 $47,345 $14,951 $32,394 $8,312,485
8 90 $47,345 $14,893 $32,452 $8,280,033
8 91 $47,345 $14,835 $32,510 $8,247,522
8 92 $47,345 $14,777 $32,568 $8,214,954
8 93 $47,345 $14,718 $32,627 $8,182,327
8 94 $47,345 $14,660 $32,685 $8,149,642
8 95 $47,345 $14,601 $32,744 $8,116,898
8 96 $47,345 $14,543 $32,802 $8,084,096
9 97 $47,345 $14,484 $32,861 $8,051,235
9 98 $47,345 $14,425 $32,920 $8,018,315
9 99 $47,345 $14,366 $32,979 $7,985,336
9 100 $47,345 $14,307 $33,038 $7,952,297
9 101 $47,345 $14,248 $33,097 $7,919,200
9 102 $47,345 $14,189 $33,157 $7,886,044
9 103 $47,345 $14,129 $33,216 $7,852,827
9 104 $47,345 $14,070 $33,276 $7,819,552
9 105 $47,345 $14,010 $33,335 $7,786,217
9 106 $47,345 $13,950 $33,395 $7,752,822
9 107 $47,345 $13,890 $33,455 $7,719,367
9 108 $47,345 $13,831 $33,515 $7,685,852
10 109 $47,345 $13,770 $33,575 $7,652,278
10 110 $47,345 $13,710 $33,635 $7,618,643
10 111 $47,345 $13,650 $33,695 $7,584,948
10 112 $47,345 $13,590 $33,756 $7,551,192
10 113 $47,345 $13,529 $33,816 $7,517,376
10 114 $47,345 $13,469 $33,877 $7,483,500
10 115 $47,345 $13,408 $33,937 $7,449,562
10 116 $47,345 $13,347 $33,998 $7,415,564
10 117 $47,345 $13,286 $34,059 $7,381,505
10 118 $47,345 $13,225 $34,120 $7,347,385
10 119 $47,345 $13,164 $34,181 $7,313,204
10 120 $47,345 $13,103 $34,242 $7,278,962
11 121 $47,345 $13,041 $34,304 $7,244,658
11 122 $47,345 $12,980 $34,365 $7,210,293
11 123 $47,345 $12,918 $34,427 $7,175,866
11 124 $47,345 $12,857 $34,488 $7,141,378
11 125 $47,345 $12,795 $34,550 $7,106,828
11 126 $47,345 $12,733 $34,612 $7,072,215
11 127 $47,345 $12,671 $34,674 $7,037,541
11 128 $47,345 $12,609 $34,736 $7,002,805
11 129 $47,345 $12,547 $34,799 $6,968,006
11 130 $47,345 $12,484 $34,861 $6,933,146
11 131 $47,345 $12,422 $34,923 $6,898,222
11 132 $47,345 $12,359 $34,986 $6,863,236
12 133 $47,345 $12,297 $35,049 $6,828,188
12 134 $47,345 $12,234 $35,111 $6,793,076
12 135 $47,345 $12,171 $35,174 $6,757,902
12 136 $47,345 $12,108 $35,237 $6,722,665
12 137 $47,345 $12,045 $35,300 $6,687,364
12 138 $47,345 $11,982 $35,364 $6,652,001
12 139 $47,345 $11,918 $35,427 $6,616,574
12 140 $47,345 $11,855 $35,491 $6,581,083
12 141 $47,345 $11,791 $35,554 $6,545,529
12 142 $47,345 $11,727 $35,618 $6,509,911
12 143 $47,345 $11,664 $35,682 $6,474,230
12 144 $47,345 $11,600 $35,746 $6,438,484
13 145 $47,345 $11,536 $35,810 $6,402,675
13 146 $47,345 $11,471 $35,874 $6,366,801
13 147 $47,345 $11,407 $35,938 $6,330,863
13 148 $47,345 $11,343 $36,002 $6,294,860
13 149 $47,345 $11,278 $36,067 $6,258,794
13 150 $47,345 $11,214 $36,132 $6,222,662
13 151 $47,345 $11,149 $36,196 $6,186,466
13 152 $47,345 $11,084 $36,261 $6,150,205
13 153 $47,345 $11,019 $36,326 $6,113,879
13 154 $47,345 $10,954 $36,391 $6,077,487
13 155 $47,345 $10,889 $36,456 $6,041,031
13 156 $47,345 $10,824 $36,522 $6,004,509
14 157 $47,345 $10,758 $36,587 $5,967,922
14 158 $47,345 $10,693 $36,653 $5,931,270
14 159 $47,345 $10,627 $36,718 $5,894,551
14 160 $47,345 $10,561 $36,784 $5,857,767
14 161 $47,345 $10,495 $36,850 $5,820,917
14 162 $47,345 $10,429 $36,916 $5,784,001
14 163 $47,345 $10,363 $36,982 $5,747,019
14 164 $47,345 $10,297 $37,048 $5,709,970
14 165 $47,345 $10,230 $37,115 $5,672,855
14 166 $47,345 $10,164 $37,181 $5,635,674
14 167 $47,345 $10,097 $37,248 $5,598,426
14 168 $47,345 $10,031 $37,315 $5,561,112
15 169 $47,345 $9,964 $37,382 $5,523,730
15 170 $47,345 $9,897 $37,449 $5,486,281
15 171 $47,345 $9,830 $37,516 $5,448,766
15 172 $47,345 $9,762 $37,583 $5,411,183
15 173 $47,345 $9,695 $37,650 $5,373,533
15 174 $47,345 $9,628 $37,718 $5,335,815
15 175 $47,345 $9,560 $37,785 $5,298,030
15 176 $47,345 $9,492 $37,853 $5,260,177
15 177 $47,345 $9,424 $37,921 $5,222,256
15 178 $47,345 $9,357 $37,989 $5,184,268
15 179 $47,345 $9,288 $38,057 $5,146,211
15 180 $47,345 $9,220 $38,125 $5,108,086
16 181 $47,345 $9,152 $38,193 $5,069,893
16 182 $47,345 $9,084 $38,262 $5,031,631
16 183 $47,345 $9,015 $38,330 $4,993,301
16 184 $47,345 $8,946 $38,399 $4,954,902
16 185 $47,345 $8,878 $38,468 $4,916,435
16 186 $47,345 $8,809 $38,537 $4,877,898
16 187 $47,345 $8,740 $38,606 $4,839,292
16 188 $47,345 $8,670 $38,675 $4,800,618
16 189 $47,345 $8,601 $38,744 $4,761,873
16 190 $47,345 $8,532 $38,814 $4,723,060
16 191 $47,345 $8,462 $38,883 $4,684,177
16 192 $47,345 $8,392 $38,953 $4,645,224
17 193 $47,345 $8,323 $39,023 $4,606,202
17 194 $47,345 $8,253 $39,092 $4,567,109
17 195 $47,345 $8,183 $39,162 $4,527,947
17 196 $47,345 $8,113 $39,233 $4,488,714
17 197 $47,345 $8,042 $39,303 $4,449,411
17 198 $47,345 $7,972 $39,373 $4,410,038
17 199 $47,345 $7,901 $39,444 $4,370,594
17 200 $47,345 $7,831 $39,515 $4,331,079
17 201 $47,345 $7,760 $39,585 $4,291,494
17 202 $47,345 $7,689 $39,656 $4,251,838
17 203 $47,345 $7,618 $39,727 $4,212,110
17 204 $47,345 $7,547 $39,799 $4,172,312
18 205 $47,345 $7,475 $39,870 $4,132,442
18 206 $47,345 $7,404 $39,941 $4,092,501
18 207 $47,345 $7,332 $40,013 $4,052,488
18 208 $47,345 $7,261 $40,084 $4,012,404
18 209 $47,345 $7,189 $40,156 $3,972,247
18 210 $47,345 $7,117 $40,228 $3,932,019
18 211 $47,345 $7,045 $40,300 $3,891,719
18 212 $47,345 $6,973 $40,373 $3,851,346
18 213 $47,345 $6,900 $40,445 $3,810,901
18 214 $47,345 $6,828 $40,517 $3,770,384
18 215 $47,345 $6,755 $40,590 $3,729,794
18 216 $47,345 $6,683 $40,663 $3,689,131
19 217 $47,345 $6,610 $40,736 $3,648,396
19 218 $47,345 $6,537 $40,808 $3,607,587
19 219 $47,345 $6,464 $40,882 $3,566,706
19 220 $47,345 $6,390 $40,955 $3,525,751
19 221 $47,345 $6,317 $41,028 $3,484,723
19 222 $47,345 $6,243 $41,102 $3,443,621
19 223 $47,345 $6,170 $41,175 $3,402,446
19 224 $47,345 $6,096 $41,249 $3,361,196
19 225 $47,345 $6,022 $41,323 $3,319,873
19 226 $47,345 $5,948 $41,397 $3,278,476
19 227 $47,345 $5,874 $41,471 $3,237,005
19 228 $47,345 $5,800 $41,546 $3,195,459
20 229 $47,345 $5,725 $41,620 $3,153,839
20 230 $47,345 $5,651 $41,695 $3,112,145
20 231 $47,345 $5,576 $41,769 $3,070,376
20 232 $47,345 $5,501 $41,844 $3,028,531
20 233 $47,345 $5,426 $41,919 $2,986,612
20 234 $47,345 $5,351 $41,994 $2,944,618
20 235 $47,345 $5,276 $42,069 $2,902,549
20 236 $47,345 $5,200 $42,145 $2,860,404
20 237 $47,345 $5,125 $42,220 $2,818,184
20 238 $47,345 $5,049 $42,296 $2,775,888
20 239 $47,345 $4,973 $42,372 $2,733,516
20 240 $47,345 $4,898 $42,448 $2,691,068
21 241 $47,345 $4,821 $42,524 $2,648,545
21 242 $47,345 $4,745 $42,600 $2,605,945
21 243 $47,345 $4,669 $42,676 $2,563,269
21 244 $47,345 $4,593 $42,753 $2,520,516
21 245 $47,345 $4,516 $42,829 $2,477,687
21 246 $47,345 $4,439 $42,906 $2,434,781
21 247 $47,345 $4,362 $42,983 $2,391,798
21 248 $47,345 $4,285 $43,060 $2,348,738
21 249 $47,345 $4,208 $43,137 $2,305,601
21 250 $47,345 $4,131 $43,214 $2,262,386
21 251 $47,345 $4,053 $43,292 $2,219,095
21 252 $47,345 $3,976 $43,369 $2,175,725
22 253 $47,345 $3,898 $43,447 $2,132,278
22 254 $47,345 $3,820 $43,525 $2,088,753
22 255 $47,345 $3,742 $43,603 $2,045,151
22 256 $47,345 $3,664 $43,681 $2,001,470
22 257 $47,345 $3,586 $43,759 $1,957,710
22 258 $47,345 $3,508 $43,838 $1,913,873
22 259 $47,345 $3,429 $43,916 $1,869,957
22 260 $47,345 $3,350 $43,995 $1,825,962
22 261 $47,345 $3,272 $44,074 $1,781,888
22 262 $47,345 $3,193 $44,153 $1,737,735
22 263 $47,345 $3,113 $44,232 $1,693,504
22 264 $47,345 $3,034 $44,311 $1,649,193
23 265 $47,345 $2,955 $44,390 $1,604,802
23 266 $47,345 $2,875 $44,470 $1,560,332
23 267 $47,345 $2,796 $44,550 $1,515,783
23 268 $47,345 $2,716 $44,629 $1,471,153
23 269 $47,345 $2,636 $44,709 $1,426,444
23 270 $47,345 $2,556 $44,789 $1,381,654
23 271 $47,345 $2,475 $44,870 $1,336,785
23 272 $47,345 $2,395 $44,950 $1,291,835
23 273 $47,345 $2,315 $45,031 $1,246,804
23 274 $47,345 $2,234 $45,111 $1,201,692
23 275 $47,345 $2,153 $45,192 $1,156,500
23 276 $47,345 $2,072 $45,273 $1,111,227
24 277 $47,345 $1,991 $45,354 $1,065,873
24 278 $47,345 $1,910 $45,436 $1,020,437
24 279 $47,345 $1,828 $45,517 $974,921
24 280 $47,345 $1,747 $45,598 $929,322
24 281 $47,345 $1,665 $45,680 $883,642
24 282 $47,345 $1,583 $45,762 $837,880
24 283 $47,345 $1,501 $45,844 $792,036
24 284 $47,345 $1,419 $45,926 $746,110
24 285 $47,345 $1,337 $46,008 $700,101
24 286 $47,345 $1,254 $46,091 $654,010
24 287 $47,345 $1,172 $46,173 $607,837
24 288 $47,345 $1,089 $46,256 $561,581
25 289 $47,345 $1,006 $46,339 $515,242
25 290 $47,345 $923 $46,422 $468,820
25 291 $47,345 $840 $46,505 $422,315
25 292 $47,345 $757 $46,589 $375,726
25 293 $47,345 $673 $46,672 $329,054
25 294 $47,345 $590 $46,756 $282,298
25 295 $47,345 $506 $46,839 $235,459
25 296 $47,345 $422 $46,923 $188,536
25 297 $47,345 $338 $47,007 $141,528
25 298 $47,345 $254 $47,092 $94,437
25 299 $47,345 $169 $47,176 $47,261
25 300 $47,345 $85 $47,261 $0