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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$ 10,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 10,455,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$10,200,000
 
Monthly Repayment (HKD)
$65,973
Loan Amount (HKD)
$15,300,000
+
Total Interest (HKD)
$4,491,846
=
Total Repayment (HKD)
$19,791,846
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $65,973 $27,413 $38,560 $15,261,440
1 2 $65,973 $27,343 $38,629 $15,222,810
1 3 $65,973 $27,274 $38,699 $15,184,112
1 4 $65,973 $27,205 $38,768 $15,145,344
1 5 $65,973 $27,135 $38,837 $15,106,506
1 6 $65,973 $27,066 $38,907 $15,067,599
1 7 $65,973 $26,996 $38,977 $15,028,623
1 8 $65,973 $26,926 $39,047 $14,989,576
1 9 $65,973 $26,856 $39,116 $14,950,460
1 10 $65,973 $26,786 $39,187 $14,911,273
1 11 $65,973 $26,716 $39,257 $14,872,016
1 12 $65,973 $26,646 $39,327 $14,832,689
2 13 $65,973 $26,575 $39,398 $14,793,291
2 14 $65,973 $26,505 $39,468 $14,753,823
2 15 $65,973 $26,434 $39,539 $14,714,284
2 16 $65,973 $26,363 $39,610 $14,674,675
2 17 $65,973 $26,292 $39,681 $14,634,994
2 18 $65,973 $26,221 $39,752 $14,595,242
2 19 $65,973 $26,150 $39,823 $14,555,419
2 20 $65,973 $26,078 $39,894 $14,515,525
2 21 $65,973 $26,007 $39,966 $14,475,559
2 22 $65,973 $25,935 $40,037 $14,435,522
2 23 $65,973 $25,864 $40,109 $14,395,412
2 24 $65,973 $25,792 $40,181 $14,355,231
3 25 $65,973 $25,720 $40,253 $14,314,978
3 26 $65,973 $25,648 $40,325 $14,274,653
3 27 $65,973 $25,575 $40,397 $14,234,256
3 28 $65,973 $25,503 $40,470 $14,193,786
3 29 $65,973 $25,431 $40,542 $14,153,244
3 30 $65,973 $25,358 $40,615 $14,112,629
3 31 $65,973 $25,285 $40,688 $14,071,941
3 32 $65,973 $25,212 $40,761 $14,031,180
3 33 $65,973 $25,139 $40,834 $13,990,347
3 34 $65,973 $25,066 $40,907 $13,949,440
3 35 $65,973 $24,993 $40,980 $13,908,460
3 36 $65,973 $24,919 $41,053 $13,867,406
4 37 $65,973 $24,846 $41,127 $13,826,279
4 38 $65,973 $24,772 $41,201 $13,785,079
4 39 $65,973 $24,698 $41,275 $13,743,804
4 40 $65,973 $24,624 $41,349 $13,702,456
4 41 $65,973 $24,550 $41,423 $13,661,033
4 42 $65,973 $24,476 $41,497 $13,619,536
4 43 $65,973 $24,402 $41,571 $13,577,965
4 44 $65,973 $24,327 $41,646 $13,536,319
4 45 $65,973 $24,253 $41,720 $13,494,599
4 46 $65,973 $24,178 $41,795 $13,452,804
4 47 $65,973 $24,103 $41,870 $13,410,934
4 48 $65,973 $24,028 $41,945 $13,368,989
5 49 $65,973 $23,953 $42,020 $13,326,969
5 50 $65,973 $23,877 $42,095 $13,284,874
5 51 $65,973 $23,802 $42,171 $13,242,703
5 52 $65,973 $23,727 $42,246 $13,200,457
5 53 $65,973 $23,651 $42,322 $13,158,135
5 54 $65,973 $23,575 $42,398 $13,115,737
5 55 $65,973 $23,499 $42,474 $13,073,263
5 56 $65,973 $23,423 $42,550 $13,030,713
5 57 $65,973 $23,347 $42,626 $12,988,087
5 58 $65,973 $23,270 $42,702 $12,945,385
5 59 $65,973 $23,194 $42,779 $12,902,606
5 60 $65,973 $23,117 $42,856 $12,859,750
6 61 $65,973 $23,040 $42,932 $12,816,818
6 62 $65,973 $22,963 $43,009 $12,773,808
6 63 $65,973 $22,886 $43,086 $12,730,722
6 64 $65,973 $22,809 $43,164 $12,687,558
6 65 $65,973 $22,732 $43,241 $12,644,317
6 66 $65,973 $22,654 $43,318 $12,600,999
6 67 $65,973 $22,577 $43,396 $12,557,603
6 68 $65,973 $22,499 $43,474 $12,514,129
6 69 $65,973 $22,421 $43,552 $12,470,578
6 70 $65,973 $22,343 $43,630 $12,426,948
6 71 $65,973 $22,265 $43,708 $12,383,240
6 72 $65,973 $22,187 $43,786 $12,339,454
7 73 $65,973 $22,108 $43,865 $12,295,589
7 74 $65,973 $22,030 $43,943 $12,251,646
7 75 $65,973 $21,951 $44,022 $12,207,624
7 76 $65,973 $21,872 $44,101 $12,163,523
7 77 $65,973 $21,793 $44,180 $12,119,343
7 78 $65,973 $21,714 $44,259 $12,075,084
7 79 $65,973 $21,635 $44,338 $12,030,746
7 80 $65,973 $21,555 $44,418 $11,986,328
7 81 $65,973 $21,476 $44,497 $11,941,831
7 82 $65,973 $21,396 $44,577 $11,897,254
7 83 $65,973 $21,316 $44,657 $11,852,597
7 84 $65,973 $21,236 $44,737 $11,807,860
8 85 $65,973 $21,156 $44,817 $11,763,043
8 86 $65,973 $21,075 $44,897 $11,718,146
8 87 $65,973 $20,995 $44,978 $11,673,168
8 88 $65,973 $20,914 $45,058 $11,628,109
8 89 $65,973 $20,834 $45,139 $11,582,970
8 90 $65,973 $20,753 $45,220 $11,537,750
8 91 $65,973 $20,672 $45,301 $11,492,449
8 92 $65,973 $20,591 $45,382 $11,447,067
8 93 $65,973 $20,509 $45,463 $11,401,604
8 94 $65,973 $20,428 $45,545 $11,356,059
8 95 $65,973 $20,346 $45,627 $11,310,432
8 96 $65,973 $20,265 $45,708 $11,264,724
9 97 $65,973 $20,183 $45,790 $11,218,934
9 98 $65,973 $20,101 $45,872 $11,173,061
9 99 $65,973 $20,018 $45,954 $11,127,107
9 100 $65,973 $19,936 $46,037 $11,081,070
9 101 $65,973 $19,854 $46,119 $11,034,951
9 102 $65,973 $19,771 $46,202 $10,988,749
9 103 $65,973 $19,688 $46,285 $10,942,464
9 104 $65,973 $19,605 $46,368 $10,896,097
9 105 $65,973 $19,522 $46,451 $10,849,646
9 106 $65,973 $19,439 $46,534 $10,803,112
9 107 $65,973 $19,356 $46,617 $10,756,495
9 108 $65,973 $19,272 $46,701 $10,709,794
10 109 $65,973 $19,188 $46,784 $10,663,010
10 110 $65,973 $19,105 $46,868 $10,616,142
10 111 $65,973 $19,021 $46,952 $10,569,189
10 112 $65,973 $18,936 $47,036 $10,522,153
10 113 $65,973 $18,852 $47,121 $10,475,032
10 114 $65,973 $18,768 $47,205 $10,427,827
10 115 $65,973 $18,683 $47,290 $10,380,538
10 116 $65,973 $18,598 $47,374 $10,333,163
10 117 $65,973 $18,514 $47,459 $10,285,704
10 118 $65,973 $18,429 $47,544 $10,238,160
10 119 $65,973 $18,343 $47,629 $10,190,530
10 120 $65,973 $18,258 $47,715 $10,142,816
11 121 $65,973 $18,173 $47,800 $10,095,015
11 122 $65,973 $18,087 $47,886 $10,047,130
11 123 $65,973 $18,001 $47,972 $9,999,158
11 124 $65,973 $17,915 $48,058 $9,951,100
11 125 $65,973 $17,829 $48,144 $9,902,956
11 126 $65,973 $17,743 $48,230 $9,854,726
11 127 $65,973 $17,656 $48,316 $9,806,410
11 128 $65,973 $17,570 $48,403 $9,758,007
11 129 $65,973 $17,483 $48,490 $9,709,517
11 130 $65,973 $17,396 $48,577 $9,660,941
11 131 $65,973 $17,309 $48,664 $9,612,277
11 132 $65,973 $17,222 $48,751 $9,563,526
12 133 $65,973 $17,135 $48,838 $9,514,688
12 134 $65,973 $17,047 $48,926 $9,465,762
12 135 $65,973 $16,959 $49,013 $9,416,749
12 136 $65,973 $16,872 $49,101 $9,367,648
12 137 $65,973 $16,784 $49,189 $9,318,459
12 138 $65,973 $16,696 $49,277 $9,269,181
12 139 $65,973 $16,607 $49,366 $9,219,816
12 140 $65,973 $16,519 $49,454 $9,170,362
12 141 $65,973 $16,430 $49,543 $9,120,819
12 142 $65,973 $16,341 $49,631 $9,071,188
12 143 $65,973 $16,253 $49,720 $9,021,468
12 144 $65,973 $16,163 $49,809 $8,971,658
13 145 $65,973 $16,074 $49,899 $8,921,760
13 146 $65,973 $15,985 $49,988 $8,871,772
13 147 $65,973 $15,895 $50,078 $8,821,694
13 148 $65,973 $15,806 $50,167 $8,771,527
13 149 $65,973 $15,716 $50,257 $8,721,270
13 150 $65,973 $15,626 $50,347 $8,670,922
13 151 $65,973 $15,535 $50,437 $8,620,485
13 152 $65,973 $15,445 $50,528 $8,569,957
13 153 $65,973 $15,355 $50,618 $8,519,339
13 154 $65,973 $15,264 $50,709 $8,468,630
13 155 $65,973 $15,173 $50,800 $8,417,830
13 156 $65,973 $15,082 $50,891 $8,366,939
14 157 $65,973 $14,991 $50,982 $8,315,957
14 158 $65,973 $14,899 $51,073 $8,264,884
14 159 $65,973 $14,808 $51,165 $8,213,719
14 160 $65,973 $14,716 $51,257 $8,162,462
14 161 $65,973 $14,624 $51,348 $8,111,114
14 162 $65,973 $14,532 $51,440 $8,059,673
14 163 $65,973 $14,440 $51,533 $8,008,141
14 164 $65,973 $14,348 $51,625 $7,956,516
14 165 $65,973 $14,255 $51,717 $7,904,799
14 166 $65,973 $14,163 $51,810 $7,852,989
14 167 $65,973 $14,070 $51,903 $7,801,086
14 168 $65,973 $13,977 $51,996 $7,749,090
15 169 $65,973 $13,884 $52,089 $7,697,001
15 170 $65,973 $13,790 $52,182 $7,644,818
15 171 $65,973 $13,697 $52,276 $7,592,543
15 172 $65,973 $13,603 $52,370 $7,540,173
15 173 $65,973 $13,509 $52,463 $7,487,710
15 174 $65,973 $13,415 $52,557 $7,435,152
15 175 $65,973 $13,321 $52,652 $7,382,501
15 176 $65,973 $13,227 $52,746 $7,329,755
15 177 $65,973 $13,132 $52,840 $7,276,915
15 178 $65,973 $13,038 $52,935 $7,223,980
15 179 $65,973 $12,943 $53,030 $7,170,950
15 180 $65,973 $12,848 $53,125 $7,117,825
16 181 $65,973 $12,753 $53,220 $7,064,605
16 182 $65,973 $12,657 $53,315 $7,011,289
16 183 $65,973 $12,562 $53,411 $6,957,879
16 184 $65,973 $12,466 $53,507 $6,904,372
16 185 $65,973 $12,370 $53,602 $6,850,769
16 186 $65,973 $12,274 $53,699 $6,797,071
16 187 $65,973 $12,178 $53,795 $6,743,276
16 188 $65,973 $12,082 $53,891 $6,689,385
16 189 $65,973 $11,985 $53,988 $6,635,397
16 190 $65,973 $11,888 $54,084 $6,581,313
16 191 $65,973 $11,792 $54,181 $6,527,132
16 192 $65,973 $11,694 $54,278 $6,472,853
17 193 $65,973 $11,597 $54,376 $6,418,478
17 194 $65,973 $11,500 $54,473 $6,364,005
17 195 $65,973 $11,402 $54,571 $6,309,434
17 196 $65,973 $11,304 $54,668 $6,254,766
17 197 $65,973 $11,206 $54,766 $6,199,999
17 198 $65,973 $11,108 $54,864 $6,145,135
17 199 $65,973 $11,010 $54,963 $6,090,172
17 200 $65,973 $10,912 $55,061 $6,035,111
17 201 $65,973 $10,813 $55,160 $5,979,951
17 202 $65,973 $10,714 $55,259 $5,924,692
17 203 $65,973 $10,615 $55,358 $5,869,334
17 204 $65,973 $10,516 $55,457 $5,813,877
18 205 $65,973 $10,417 $55,556 $5,758,321
18 206 $65,973 $10,317 $55,656 $5,702,665
18 207 $65,973 $10,217 $55,756 $5,646,910
18 208 $65,973 $10,117 $55,855 $5,591,054
18 209 $65,973 $10,017 $55,956 $5,535,099
18 210 $65,973 $9,917 $56,056 $5,479,043
18 211 $65,973 $9,817 $56,156 $5,422,887
18 212 $65,973 $9,716 $56,257 $5,366,630
18 213 $65,973 $9,615 $56,358 $5,310,272
18 214 $65,973 $9,514 $56,459 $5,253,814
18 215 $65,973 $9,413 $56,560 $5,197,254
18 216 $65,973 $9,312 $56,661 $5,140,593
19 217 $65,973 $9,210 $56,763 $5,083,830
19 218 $65,973 $9,109 $56,864 $5,026,966
19 219 $65,973 $9,007 $56,966 $4,970,000
19 220 $65,973 $8,905 $57,068 $4,912,932
19 221 $65,973 $8,802 $57,170 $4,855,761
19 222 $65,973 $8,700 $57,273 $4,798,488
19 223 $65,973 $8,597 $57,376 $4,741,113
19 224 $65,973 $8,494 $57,478 $4,683,634
19 225 $65,973 $8,392 $57,581 $4,626,053
19 226 $65,973 $8,288 $57,684 $4,568,369
19 227 $65,973 $8,185 $57,788 $4,510,581
19 228 $65,973 $8,081 $57,891 $4,452,689
20 229 $65,973 $7,978 $57,995 $4,394,694
20 230 $65,973 $7,874 $58,099 $4,336,595
20 231 $65,973 $7,770 $58,203 $4,278,392
20 232 $65,973 $7,665 $58,307 $4,220,085
20 233 $65,973 $7,561 $58,412 $4,161,673
20 234 $65,973 $7,456 $58,516 $4,103,157
20 235 $65,973 $7,351 $58,621 $4,044,535
20 236 $65,973 $7,246 $58,726 $3,985,809
20 237 $65,973 $7,141 $58,832 $3,926,977
20 238 $65,973 $7,036 $58,937 $3,868,040
20 239 $65,973 $6,930 $59,043 $3,808,998
20 240 $65,973 $6,824 $59,148 $3,749,849
21 241 $65,973 $6,718 $59,254 $3,690,595
21 242 $65,973 $6,612 $59,361 $3,631,234
21 243 $65,973 $6,506 $59,467 $3,571,768
21 244 $65,973 $6,399 $59,573 $3,512,194
21 245 $65,973 $6,293 $59,680 $3,452,514
21 246 $65,973 $6,186 $59,787 $3,392,727
21 247 $65,973 $6,079 $59,894 $3,332,833
21 248 $65,973 $5,971 $60,001 $3,272,831
21 249 $65,973 $5,864 $60,109 $3,212,722
21 250 $65,973 $5,756 $60,217 $3,152,506
21 251 $65,973 $5,648 $60,325 $3,092,181
21 252 $65,973 $5,540 $60,433 $3,031,748
22 253 $65,973 $5,432 $60,541 $2,971,207
22 254 $65,973 $5,323 $60,649 $2,910,558
22 255 $65,973 $5,215 $60,758 $2,849,800
22 256 $65,973 $5,106 $60,867 $2,788,933
22 257 $65,973 $4,997 $60,976 $2,727,957
22 258 $65,973 $4,888 $61,085 $2,666,872
22 259 $65,973 $4,778 $61,195 $2,605,677
22 260 $65,973 $4,669 $61,304 $2,544,373
22 261 $65,973 $4,559 $61,414 $2,482,959
22 262 $65,973 $4,449 $61,524 $2,421,435
22 263 $65,973 $4,338 $61,634 $2,359,800
22 264 $65,973 $4,228 $61,745 $2,298,055
23 265 $65,973 $4,117 $61,855 $2,236,200
23 266 $65,973 $4,007 $61,966 $2,174,233
23 267 $65,973 $3,896 $62,077 $2,112,156
23 268 $65,973 $3,784 $62,189 $2,049,968
23 269 $65,973 $3,673 $62,300 $1,987,668
23 270 $65,973 $3,561 $62,412 $1,925,256
23 271 $65,973 $3,449 $62,523 $1,862,733
23 272 $65,973 $3,337 $62,635 $1,800,097
23 273 $65,973 $3,225 $62,748 $1,737,350
23 274 $65,973 $3,113 $62,860 $1,674,490
23 275 $65,973 $3,000 $62,973 $1,611,517
23 276 $65,973 $2,887 $63,086 $1,548,431
24 277 $65,973 $2,774 $63,199 $1,485,233
24 278 $65,973 $2,661 $63,312 $1,421,921
24 279 $65,973 $2,548 $63,425 $1,358,496
24 280 $65,973 $2,434 $63,539 $1,294,957
24 281 $65,973 $2,320 $63,653 $1,231,304
24 282 $65,973 $2,206 $63,767 $1,167,538
24 283 $65,973 $2,092 $63,881 $1,103,657
24 284 $65,973 $1,977 $63,995 $1,039,661
24 285 $65,973 $1,863 $64,110 $975,551
24 286 $65,973 $1,748 $64,225 $911,326
24 287 $65,973 $1,633 $64,340 $846,986
24 288 $65,973 $1,518 $64,455 $782,531
25 289 $65,973 $1,402 $64,571 $717,960
25 290 $65,973 $1,286 $64,686 $653,273
25 291 $65,973 $1,170 $64,802 $588,471
25 292 $65,973 $1,054 $64,918 $523,553
25 293 $65,973 $938 $65,035 $458,518
25 294 $65,973 $822 $65,151 $393,367
25 295 $65,973 $705 $65,268 $328,098
25 296 $65,973 $588 $65,385 $262,713
25 297 $65,973 $471 $65,502 $197,211
25 298 $65,973 $353 $65,619 $131,592
25 299 $65,973 $236 $65,737 $65,855
25 300 $65,973 $118 $65,855 $0