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$ 8,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 8,200,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$8,000,000
 
Monthly Repayment (HKD)
$51,743
Loan Amount (HKD)
$12,000,000
+
Total Interest (HKD)
$3,523,017
=
Total Repayment (HKD)
$15,523,017
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $51,743 $21,500 $30,243 $11,969,757
1 2 $51,743 $21,446 $30,298 $11,939,459
1 3 $51,743 $21,392 $30,352 $11,909,107
1 4 $51,743 $21,337 $30,406 $11,878,701
1 5 $51,743 $21,283 $30,461 $11,848,240
1 6 $51,743 $21,228 $30,515 $11,817,725
1 7 $51,743 $21,173 $30,570 $11,787,155
1 8 $51,743 $21,119 $30,625 $11,756,530
1 9 $51,743 $21,064 $30,680 $11,725,851
1 10 $51,743 $21,009 $30,735 $11,695,116
1 11 $51,743 $20,954 $30,790 $11,664,326
1 12 $51,743 $20,899 $30,845 $11,633,482
2 13 $51,743 $20,843 $30,900 $11,602,582
2 14 $51,743 $20,788 $30,955 $11,571,626
2 15 $51,743 $20,732 $31,011 $11,540,615
2 16 $51,743 $20,677 $31,066 $11,509,549
2 17 $51,743 $20,621 $31,122 $11,478,427
2 18 $51,743 $20,566 $31,178 $11,447,249
2 19 $51,743 $20,510 $31,234 $11,416,015
2 20 $51,743 $20,454 $31,290 $11,384,725
2 21 $51,743 $20,398 $31,346 $11,353,380
2 22 $51,743 $20,341 $31,402 $11,321,978
2 23 $51,743 $20,285 $31,458 $11,290,519
2 24 $51,743 $20,229 $31,515 $11,259,005
3 25 $51,743 $20,172 $31,571 $11,227,434
3 26 $51,743 $20,116 $31,628 $11,195,806
3 27 $51,743 $20,059 $31,684 $11,164,122
3 28 $51,743 $20,002 $31,741 $11,132,381
3 29 $51,743 $19,946 $31,798 $11,100,583
3 30 $51,743 $19,889 $31,855 $11,068,728
3 31 $51,743 $19,831 $31,912 $11,036,817
3 32 $51,743 $19,774 $31,969 $11,004,847
3 33 $51,743 $19,717 $32,026 $10,972,821
3 34 $51,743 $19,660 $32,084 $10,940,737
3 35 $51,743 $19,602 $32,141 $10,908,596
3 36 $51,743 $19,545 $32,199 $10,876,397
4 37 $51,743 $19,487 $32,257 $10,844,141
4 38 $51,743 $19,429 $32,314 $10,811,826
4 39 $51,743 $19,371 $32,372 $10,779,454
4 40 $51,743 $19,313 $32,430 $10,747,024
4 41 $51,743 $19,255 $32,488 $10,714,536
4 42 $51,743 $19,197 $32,547 $10,681,989
4 43 $51,743 $19,139 $32,605 $10,649,384
4 44 $51,743 $19,080 $32,663 $10,616,721
4 45 $51,743 $19,022 $32,722 $10,583,999
4 46 $51,743 $18,963 $32,780 $10,551,219
4 47 $51,743 $18,904 $32,839 $10,518,380
4 48 $51,743 $18,845 $32,898 $10,485,482
5 49 $51,743 $18,786 $32,957 $10,452,525
5 50 $51,743 $18,727 $33,016 $10,419,509
5 51 $51,743 $18,668 $33,075 $10,386,434
5 52 $51,743 $18,609 $33,134 $10,353,300
5 53 $51,743 $18,550 $33,194 $10,320,106
5 54 $51,743 $18,490 $33,253 $10,286,853
5 55 $51,743 $18,431 $33,313 $10,253,540
5 56 $51,743 $18,371 $33,372 $10,220,167
5 57 $51,743 $18,311 $33,432 $10,186,735
5 58 $51,743 $18,251 $33,492 $10,153,243
5 59 $51,743 $18,191 $33,552 $10,119,691
5 60 $51,743 $18,131 $33,612 $10,086,079
6 61 $51,743 $18,071 $33,672 $10,052,406
6 62 $51,743 $18,011 $33,733 $10,018,673
6 63 $51,743 $17,950 $33,793 $9,984,880
6 64 $51,743 $17,890 $33,854 $9,951,026
6 65 $51,743 $17,829 $33,914 $9,917,112
6 66 $51,743 $17,768 $33,975 $9,883,136
6 67 $51,743 $17,707 $34,036 $9,849,100
6 68 $51,743 $17,646 $34,097 $9,815,003
6 69 $51,743 $17,585 $34,158 $9,780,845
6 70 $51,743 $17,524 $34,219 $9,746,626
6 71 $51,743 $17,463 $34,281 $9,712,345
6 72 $51,743 $17,401 $34,342 $9,678,003
7 73 $51,743 $17,340 $34,404 $9,643,599
7 74 $51,743 $17,278 $34,465 $9,609,134
7 75 $51,743 $17,216 $34,527 $9,574,607
7 76 $51,743 $17,155 $34,589 $9,540,018
7 77 $51,743 $17,093 $34,651 $9,505,367
7 78 $51,743 $17,030 $34,713 $9,470,654
7 79 $51,743 $16,968 $34,775 $9,435,879
7 80 $51,743 $16,906 $34,837 $9,401,042
7 81 $51,743 $16,844 $34,900 $9,366,142
7 82 $51,743 $16,781 $34,962 $9,331,180
7 83 $51,743 $16,718 $35,025 $9,296,155
7 84 $51,743 $16,656 $35,088 $9,261,067
8 85 $51,743 $16,593 $35,151 $9,225,916
8 86 $51,743 $16,530 $35,214 $9,190,702
8 87 $51,743 $16,467 $35,277 $9,155,426
8 88 $51,743 $16,403 $35,340 $9,120,086
8 89 $51,743 $16,340 $35,403 $9,084,683
8 90 $51,743 $16,277 $35,467 $9,049,216
8 91 $51,743 $16,213 $35,530 $9,013,686
8 92 $51,743 $16,150 $35,594 $8,978,092
8 93 $51,743 $16,086 $35,658 $8,942,434
8 94 $51,743 $16,022 $35,722 $8,906,713
8 95 $51,743 $15,958 $35,786 $8,870,927
8 96 $51,743 $15,894 $35,850 $8,835,078
9 97 $51,743 $15,830 $35,914 $8,799,164
9 98 $51,743 $15,765 $35,978 $8,763,185
9 99 $51,743 $15,701 $36,043 $8,727,143
9 100 $51,743 $15,636 $36,107 $8,691,035
9 101 $51,743 $15,571 $36,172 $8,654,864
9 102 $51,743 $15,507 $36,237 $8,618,627
9 103 $51,743 $15,442 $36,302 $8,582,325
9 104 $51,743 $15,377 $36,367 $8,545,958
9 105 $51,743 $15,312 $36,432 $8,509,526
9 106 $51,743 $15,246 $36,497 $8,473,029
9 107 $51,743 $15,181 $36,563 $8,436,467
9 108 $51,743 $15,115 $36,628 $8,399,839
10 109 $51,743 $15,050 $36,694 $8,363,145
10 110 $51,743 $14,984 $36,759 $8,326,386
10 111 $51,743 $14,918 $36,825 $8,289,560
10 112 $51,743 $14,852 $36,891 $8,252,669
10 113 $51,743 $14,786 $36,957 $8,215,712
10 114 $51,743 $14,720 $37,024 $8,178,688
10 115 $51,743 $14,653 $37,090 $8,141,598
10 116 $51,743 $14,587 $37,156 $8,104,442
10 117 $51,743 $14,520 $37,223 $8,067,219
10 118 $51,743 $14,454 $37,290 $8,029,929
10 119 $51,743 $14,387 $37,356 $7,992,573
10 120 $51,743 $14,320 $37,423 $7,955,150
11 121 $51,743 $14,253 $37,490 $7,917,659
11 122 $51,743 $14,186 $37,558 $7,880,102
11 123 $51,743 $14,119 $37,625 $7,842,477
11 124 $51,743 $14,051 $37,692 $7,804,784
11 125 $51,743 $13,984 $37,760 $7,767,025
11 126 $51,743 $13,916 $37,827 $7,729,197
11 127 $51,743 $13,848 $37,895 $7,691,302
11 128 $51,743 $13,780 $37,963 $7,653,339
11 129 $51,743 $13,712 $38,031 $7,615,308
11 130 $51,743 $13,644 $38,099 $7,577,208
11 131 $51,743 $13,576 $38,168 $7,539,041
11 132 $51,743 $13,507 $38,236 $7,500,805
12 133 $51,743 $13,439 $38,304 $7,462,500
12 134 $51,743 $13,370 $38,373 $7,424,127
12 135 $51,743 $13,302 $38,442 $7,385,685
12 136 $51,743 $13,233 $38,511 $7,347,175
12 137 $51,743 $13,164 $38,580 $7,308,595
12 138 $51,743 $13,095 $38,649 $7,269,946
12 139 $51,743 $13,025 $38,718 $7,231,228
12 140 $51,743 $12,956 $38,787 $7,192,441
12 141 $51,743 $12,886 $38,857 $7,153,584
12 142 $51,743 $12,817 $38,927 $7,114,657
12 143 $51,743 $12,747 $38,996 $7,075,661
12 144 $51,743 $12,677 $39,066 $7,036,595
13 145 $51,743 $12,607 $39,136 $6,997,459
13 146 $51,743 $12,537 $39,206 $6,958,252
13 147 $51,743 $12,467 $39,277 $6,918,976
13 148 $51,743 $12,396 $39,347 $6,879,629
13 149 $51,743 $12,326 $39,417 $6,840,212
13 150 $51,743 $12,255 $39,488 $6,800,724
13 151 $51,743 $12,185 $39,559 $6,761,165
13 152 $51,743 $12,114 $39,630 $6,721,535
13 153 $51,743 $12,043 $39,701 $6,681,834
13 154 $51,743 $11,972 $39,772 $6,642,063
13 155 $51,743 $11,900 $39,843 $6,602,220
13 156 $51,743 $11,829 $39,914 $6,562,305
14 157 $51,743 $11,757 $39,986 $6,522,319
14 158 $51,743 $11,686 $40,058 $6,482,262
14 159 $51,743 $11,614 $40,129 $6,442,132
14 160 $51,743 $11,542 $40,201 $6,401,931
14 161 $51,743 $11,470 $40,273 $6,361,658
14 162 $51,743 $11,398 $40,345 $6,321,313
14 163 $51,743 $11,326 $40,418 $6,280,895
14 164 $51,743 $11,253 $40,490 $6,240,405
14 165 $51,743 $11,181 $40,563 $6,199,842
14 166 $51,743 $11,108 $40,635 $6,159,207
14 167 $51,743 $11,035 $40,708 $6,118,499
14 168 $51,743 $10,962 $40,781 $6,077,718
15 169 $51,743 $10,889 $40,854 $6,036,863
15 170 $51,743 $10,816 $40,927 $5,995,936
15 171 $51,743 $10,743 $41,001 $5,954,935
15 172 $51,743 $10,669 $41,074 $5,913,861
15 173 $51,743 $10,596 $41,148 $5,872,713
15 174 $51,743 $10,522 $41,221 $5,831,492
15 175 $51,743 $10,448 $41,295 $5,790,197
15 176 $51,743 $10,374 $41,369 $5,748,827
15 177 $51,743 $10,300 $41,443 $5,707,384
15 178 $51,743 $10,226 $41,518 $5,665,866
15 179 $51,743 $10,151 $41,592 $5,624,274
15 180 $51,743 $10,077 $41,667 $5,582,608
16 181 $51,743 $10,002 $41,741 $5,540,867
16 182 $51,743 $9,927 $41,816 $5,499,051
16 183 $51,743 $9,852 $41,891 $5,457,160
16 184 $51,743 $9,777 $41,966 $5,415,194
16 185 $51,743 $9,702 $42,041 $5,373,153
16 186 $51,743 $9,627 $42,116 $5,331,036
16 187 $51,743 $9,551 $42,192 $5,288,844
16 188 $51,743 $9,476 $42,268 $5,246,577
16 189 $51,743 $9,400 $42,343 $5,204,233
16 190 $51,743 $9,324 $42,419 $5,161,814
16 191 $51,743 $9,248 $42,495 $5,119,319
16 192 $51,743 $9,172 $42,571 $5,076,748
17 193 $51,743 $9,096 $42,648 $5,034,100
17 194 $51,743 $9,019 $42,724 $4,991,376
17 195 $51,743 $8,943 $42,801 $4,948,576
17 196 $51,743 $8,866 $42,877 $4,905,698
17 197 $51,743 $8,789 $42,954 $4,862,744
17 198 $51,743 $8,712 $43,031 $4,819,714
17 199 $51,743 $8,635 $43,108 $4,776,605
17 200 $51,743 $8,558 $43,185 $4,733,420
17 201 $51,743 $8,481 $43,263 $4,690,157
17 202 $51,743 $8,403 $43,340 $4,646,817
17 203 $51,743 $8,326 $43,418 $4,603,399
17 204 $51,743 $8,248 $43,496 $4,559,904
18 205 $51,743 $8,170 $43,574 $4,516,330
18 206 $51,743 $8,092 $43,652 $4,472,679
18 207 $51,743 $8,014 $43,730 $4,428,949
18 208 $51,743 $7,935 $43,808 $4,385,141
18 209 $51,743 $7,857 $43,887 $4,341,254
18 210 $51,743 $7,778 $43,965 $4,297,289
18 211 $51,743 $7,699 $44,044 $4,253,245
18 212 $51,743 $7,620 $44,123 $4,209,122
18 213 $51,743 $7,541 $44,202 $4,164,919
18 214 $51,743 $7,462 $44,281 $4,120,638
18 215 $51,743 $7,383 $44,361 $4,076,278
18 216 $51,743 $7,303 $44,440 $4,031,838
19 217 $51,743 $7,224 $44,520 $3,987,318
19 218 $51,743 $7,144 $44,599 $3,942,718
19 219 $51,743 $7,064 $44,679 $3,898,039
19 220 $51,743 $6,984 $44,759 $3,853,280
19 221 $51,743 $6,904 $44,840 $3,808,440
19 222 $51,743 $6,823 $44,920 $3,763,520
19 223 $51,743 $6,743 $45,000 $3,718,520
19 224 $51,743 $6,662 $45,081 $3,673,439
19 225 $51,743 $6,582 $45,162 $3,628,277
19 226 $51,743 $6,501 $45,243 $3,583,034
19 227 $51,743 $6,420 $45,324 $3,537,710
19 228 $51,743 $6,338 $45,405 $3,492,305
20 229 $51,743 $6,257 $45,486 $3,446,819
20 230 $51,743 $6,176 $45,568 $3,401,251
20 231 $51,743 $6,094 $45,649 $3,355,602
20 232 $51,743 $6,012 $45,731 $3,309,870
20 233 $51,743 $5,930 $45,813 $3,264,057
20 234 $51,743 $5,848 $45,895 $3,218,162
20 235 $51,743 $5,766 $45,978 $3,172,184
20 236 $51,743 $5,683 $46,060 $3,126,125
20 237 $51,743 $5,601 $46,142 $3,079,982
20 238 $51,743 $5,518 $46,225 $3,033,757
20 239 $51,743 $5,435 $46,308 $2,987,449
20 240 $51,743 $5,353 $46,391 $2,941,058
21 241 $51,743 $5,269 $46,474 $2,894,584
21 242 $51,743 $5,186 $46,557 $2,848,027
21 243 $51,743 $5,103 $46,641 $2,801,386
21 244 $51,743 $5,019 $46,724 $2,754,662
21 245 $51,743 $4,935 $46,808 $2,707,854
21 246 $51,743 $4,852 $46,892 $2,660,962
21 247 $51,743 $4,768 $46,976 $2,613,987
21 248 $51,743 $4,683 $47,060 $2,566,927
21 249 $51,743 $4,599 $47,144 $2,519,782
21 250 $51,743 $4,515 $47,229 $2,472,553
21 251 $51,743 $4,430 $47,313 $2,425,240
21 252 $51,743 $4,345 $47,398 $2,377,842
22 253 $51,743 $4,260 $47,483 $2,330,359
22 254 $51,743 $4,175 $47,568 $2,282,791
22 255 $51,743 $4,090 $47,653 $2,235,137
22 256 $51,743 $4,005 $47,739 $2,187,398
22 257 $51,743 $3,919 $47,824 $2,139,574
22 258 $51,743 $3,833 $47,910 $2,091,664
22 259 $51,743 $3,748 $47,996 $2,043,668
22 260 $51,743 $3,662 $48,082 $1,995,587
22 261 $51,743 $3,575 $48,168 $1,947,419
22 262 $51,743 $3,489 $48,254 $1,899,164
22 263 $51,743 $3,403 $48,341 $1,850,824
22 264 $51,743 $3,316 $48,427 $1,802,396
23 265 $51,743 $3,229 $48,514 $1,753,882
23 266 $51,743 $3,142 $48,601 $1,705,281
23 267 $51,743 $3,055 $48,688 $1,656,593
23 268 $51,743 $2,968 $48,775 $1,607,818
23 269 $51,743 $2,881 $48,863 $1,558,955
23 270 $51,743 $2,793 $48,950 $1,510,005
23 271 $51,743 $2,705 $49,038 $1,460,967
23 272 $51,743 $2,618 $49,126 $1,411,841
23 273 $51,743 $2,530 $49,214 $1,362,627
23 274 $51,743 $2,441 $49,302 $1,313,325
23 275 $51,743 $2,353 $49,390 $1,263,935
23 276 $51,743 $2,265 $49,479 $1,214,456
24 277 $51,743 $2,176 $49,567 $1,164,888
24 278 $51,743 $2,087 $49,656 $1,115,232
24 279 $51,743 $1,998 $49,745 $1,065,487
24 280 $51,743 $1,909 $49,834 $1,015,653
24 281 $51,743 $1,820 $49,924 $965,729
24 282 $51,743 $1,730 $50,013 $915,716
24 283 $51,743 $1,641 $50,103 $865,613
24 284 $51,743 $1,551 $50,192 $815,420
24 285 $51,743 $1,461 $50,282 $765,138
24 286 $51,743 $1,371 $50,373 $714,766
24 287 $51,743 $1,281 $50,463 $664,303
24 288 $51,743 $1,190 $50,553 $613,750
25 289 $51,743 $1,100 $50,644 $563,106
25 290 $51,743 $1,009 $50,734 $512,371
25 291 $51,743 $918 $50,825 $461,546
25 292 $51,743 $827 $50,916 $410,629
25 293 $51,743 $736 $51,008 $359,622
25 294 $51,743 $644 $51,099 $308,523
25 295 $51,743 $553 $51,191 $257,332
25 296 $51,743 $461 $51,282 $206,050
25 297 $51,743 $369 $51,374 $154,676
25 298 $51,743 $277 $51,466 $103,209
25 299 $51,743 $185 $51,558 $51,651
25 300 $51,743 $93 $51,651 $0