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$ 5,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 5,740,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$5,600,000
 
Monthly Repayment (HKD)
$36,220
Loan Amount (HKD)
$8,400,000
+
Total Interest (HKD)
$2,466,112
=
Total Repayment (HKD)
$10,866,112
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $36,220 $15,050 $21,170 $8,378,830
1 2 $36,220 $15,012 $21,208 $8,357,621
1 3 $36,220 $14,974 $21,246 $8,336,375
1 4 $36,220 $14,936 $21,284 $8,315,091
1 5 $36,220 $14,898 $21,323 $8,293,768
1 6 $36,220 $14,860 $21,361 $8,272,407
1 7 $36,220 $14,821 $21,399 $8,251,008
1 8 $36,220 $14,783 $21,437 $8,229,571
1 9 $36,220 $14,745 $21,476 $8,208,095
1 10 $36,220 $14,706 $21,514 $8,186,581
1 11 $36,220 $14,668 $21,553 $8,165,028
1 12 $36,220 $14,629 $21,591 $8,143,437
2 13 $36,220 $14,590 $21,630 $8,121,807
2 14 $36,220 $14,552 $21,669 $8,100,138
2 15 $36,220 $14,513 $21,708 $8,078,431
2 16 $36,220 $14,474 $21,747 $8,056,684
2 17 $36,220 $14,435 $21,785 $8,034,899
2 18 $36,220 $14,396 $21,825 $8,013,074
2 19 $36,220 $14,357 $21,864 $7,991,211
2 20 $36,220 $14,318 $21,903 $7,969,308
2 21 $36,220 $14,278 $21,942 $7,947,366
2 22 $36,220 $14,239 $21,981 $7,925,384
2 23 $36,220 $14,200 $22,021 $7,903,364
2 24 $36,220 $14,160 $22,060 $7,881,303
3 25 $36,220 $14,121 $22,100 $7,859,204
3 26 $36,220 $14,081 $22,139 $7,837,064
3 27 $36,220 $14,041 $22,179 $7,814,886
3 28 $36,220 $14,002 $22,219 $7,792,667
3 29 $36,220 $13,962 $22,259 $7,770,408
3 30 $36,220 $13,922 $22,298 $7,748,110
3 31 $36,220 $13,882 $22,338 $7,725,772
3 32 $36,220 $13,842 $22,378 $7,703,393
3 33 $36,220 $13,802 $22,418 $7,680,975
3 34 $36,220 $13,762 $22,459 $7,658,516
3 35 $36,220 $13,722 $22,499 $7,636,017
3 36 $36,220 $13,681 $22,539 $7,613,478
4 37 $36,220 $13,641 $22,580 $7,590,899
4 38 $36,220 $13,600 $22,620 $7,568,278
4 39 $36,220 $13,560 $22,661 $7,545,618
4 40 $36,220 $13,519 $22,701 $7,522,917
4 41 $36,220 $13,479 $22,742 $7,500,175
4 42 $36,220 $13,438 $22,783 $7,477,392
4 43 $36,220 $13,397 $22,823 $7,454,569
4 44 $36,220 $13,356 $22,864 $7,431,705
4 45 $36,220 $13,315 $22,905 $7,408,800
4 46 $36,220 $13,274 $22,946 $7,385,853
4 47 $36,220 $13,233 $22,987 $7,362,866
4 48 $36,220 $13,192 $23,029 $7,339,837
5 49 $36,220 $13,151 $23,070 $7,316,768
5 50 $36,220 $13,109 $23,111 $7,293,656
5 51 $36,220 $13,068 $23,153 $7,270,504
5 52 $36,220 $13,026 $23,194 $7,247,310
5 53 $36,220 $12,985 $23,236 $7,224,074
5 54 $36,220 $12,943 $23,277 $7,200,797
5 55 $36,220 $12,901 $23,319 $7,177,478
5 56 $36,220 $12,860 $23,361 $7,154,117
5 57 $36,220 $12,818 $23,403 $7,130,715
5 58 $36,220 $12,776 $23,445 $7,107,270
5 59 $36,220 $12,734 $23,487 $7,083,784
5 60 $36,220 $12,692 $23,529 $7,060,255
6 61 $36,220 $12,650 $23,571 $7,036,684
6 62 $36,220 $12,607 $23,613 $7,013,071
6 63 $36,220 $12,565 $23,655 $6,989,416
6 64 $36,220 $12,523 $23,698 $6,965,718
6 65 $36,220 $12,480 $23,740 $6,941,978
6 66 $36,220 $12,438 $23,783 $6,918,196
6 67 $36,220 $12,395 $23,825 $6,894,370
6 68 $36,220 $12,352 $23,868 $6,870,502
6 69 $36,220 $12,310 $23,911 $6,846,592
6 70 $36,220 $12,267 $23,954 $6,822,638
6 71 $36,220 $12,224 $23,996 $6,798,642
6 72 $36,220 $12,181 $24,039 $6,774,602
7 73 $36,220 $12,138 $24,083 $6,750,520
7 74 $36,220 $12,095 $24,126 $6,726,394
7 75 $36,220 $12,051 $24,169 $6,702,225
7 76 $36,220 $12,008 $24,212 $6,678,013
7 77 $36,220 $11,965 $24,256 $6,653,757
7 78 $36,220 $11,921 $24,299 $6,629,458
7 79 $36,220 $11,878 $24,343 $6,605,115
7 80 $36,220 $11,834 $24,386 $6,580,729
7 81 $36,220 $11,790 $24,430 $6,556,299
7 82 $36,220 $11,747 $24,474 $6,531,826
7 83 $36,220 $11,703 $24,518 $6,507,308
7 84 $36,220 $11,659 $24,561 $6,482,747
8 85 $36,220 $11,615 $24,605 $6,458,141
8 86 $36,220 $11,571 $24,650 $6,433,492
8 87 $36,220 $11,527 $24,694 $6,408,798
8 88 $36,220 $11,482 $24,738 $6,384,060
8 89 $36,220 $11,438 $24,782 $6,359,278
8 90 $36,220 $11,394 $24,827 $6,334,451
8 91 $36,220 $11,349 $24,871 $6,309,580
8 92 $36,220 $11,305 $24,916 $6,284,664
8 93 $36,220 $11,260 $24,960 $6,259,704
8 94 $36,220 $11,215 $25,005 $6,234,699
8 95 $36,220 $11,171 $25,050 $6,209,649
8 96 $36,220 $11,126 $25,095 $6,184,554
9 97 $36,220 $11,081 $25,140 $6,159,415
9 98 $36,220 $11,036 $25,185 $6,134,230
9 99 $36,220 $10,990 $25,230 $6,109,000
9 100 $36,220 $10,945 $25,275 $6,083,725
9 101 $36,220 $10,900 $25,320 $6,058,404
9 102 $36,220 $10,855 $25,366 $6,033,039
9 103 $36,220 $10,809 $25,411 $6,007,628
9 104 $36,220 $10,764 $25,457 $5,982,171
9 105 $36,220 $10,718 $25,502 $5,956,669
9 106 $36,220 $10,672 $25,548 $5,931,121
9 107 $36,220 $10,627 $25,594 $5,905,527
9 108 $36,220 $10,581 $25,640 $5,879,887
10 109 $36,220 $10,535 $25,686 $5,854,202
10 110 $36,220 $10,489 $25,732 $5,828,470
10 111 $36,220 $10,443 $25,778 $5,802,692
10 112 $36,220 $10,396 $25,824 $5,776,868
10 113 $36,220 $10,350 $25,870 $5,750,998
10 114 $36,220 $10,304 $25,917 $5,725,082
10 115 $36,220 $10,257 $25,963 $5,699,119
10 116 $36,220 $10,211 $26,009 $5,673,109
10 117 $36,220 $10,164 $26,056 $5,647,053
10 118 $36,220 $10,118 $26,103 $5,620,951
10 119 $36,220 $10,071 $26,150 $5,594,801
10 120 $36,220 $10,024 $26,196 $5,568,605
11 121 $36,220 $9,977 $26,243 $5,542,361
11 122 $36,220 $9,930 $26,290 $5,516,071
11 123 $36,220 $9,883 $26,337 $5,489,734
11 124 $36,220 $9,836 $26,385 $5,463,349
11 125 $36,220 $9,789 $26,432 $5,436,917
11 126 $36,220 $9,741 $26,479 $5,410,438
11 127 $36,220 $9,694 $26,527 $5,383,911
11 128 $36,220 $9,646 $26,574 $5,357,337
11 129 $36,220 $9,599 $26,622 $5,330,715
11 130 $36,220 $9,551 $26,670 $5,304,046
11 131 $36,220 $9,503 $26,717 $5,277,329
11 132 $36,220 $9,455 $26,765 $5,250,563
12 133 $36,220 $9,407 $26,813 $5,223,750
12 134 $36,220 $9,359 $26,861 $5,196,889
12 135 $36,220 $9,311 $26,909 $5,169,980
12 136 $36,220 $9,263 $26,957 $5,143,022
12 137 $36,220 $9,215 $27,006 $5,116,017
12 138 $36,220 $9,166 $27,054 $5,088,962
12 139 $36,220 $9,118 $27,103 $5,061,860
12 140 $36,220 $9,069 $27,151 $5,034,708
12 141 $36,220 $9,021 $27,200 $5,007,509
12 142 $36,220 $8,972 $27,249 $4,980,260
12 143 $36,220 $8,923 $27,297 $4,952,963
12 144 $36,220 $8,874 $27,346 $4,925,616
13 145 $36,220 $8,825 $27,395 $4,898,221
13 146 $36,220 $8,776 $27,444 $4,870,777
13 147 $36,220 $8,727 $27,494 $4,843,283
13 148 $36,220 $8,678 $27,543 $4,815,740
13 149 $36,220 $8,628 $27,592 $4,788,148
13 150 $36,220 $8,579 $27,642 $4,760,506
13 151 $36,220 $8,529 $27,691 $4,732,815
13 152 $36,220 $8,480 $27,741 $4,705,075
13 153 $36,220 $8,430 $27,790 $4,677,284
13 154 $36,220 $8,380 $27,840 $4,649,444
13 155 $36,220 $8,330 $27,890 $4,621,554
13 156 $36,220 $8,280 $27,940 $4,593,614
14 157 $36,220 $8,230 $27,990 $4,565,624
14 158 $36,220 $8,180 $28,040 $4,537,583
14 159 $36,220 $8,130 $28,091 $4,509,493
14 160 $36,220 $8,080 $28,141 $4,481,352
14 161 $36,220 $8,029 $28,191 $4,453,161
14 162 $36,220 $7,979 $28,242 $4,424,919
14 163 $36,220 $7,928 $28,292 $4,396,626
14 164 $36,220 $7,877 $28,343 $4,368,283
14 165 $36,220 $7,827 $28,394 $4,339,889
14 166 $36,220 $7,776 $28,445 $4,311,445
14 167 $36,220 $7,725 $28,496 $4,282,949
14 168 $36,220 $7,674 $28,547 $4,254,402
15 169 $36,220 $7,622 $28,598 $4,225,804
15 170 $36,220 $7,571 $28,649 $4,197,155
15 171 $36,220 $7,520 $28,700 $4,168,455
15 172 $36,220 $7,468 $28,752 $4,139,703
15 173 $36,220 $7,417 $28,803 $4,110,899
15 174 $36,220 $7,365 $28,855 $4,082,044
15 175 $36,220 $7,314 $28,907 $4,053,138
15 176 $36,220 $7,262 $28,959 $4,024,179
15 177 $36,220 $7,210 $29,010 $3,995,169
15 178 $36,220 $7,158 $29,062 $3,966,106
15 179 $36,220 $7,106 $29,114 $3,936,992
15 180 $36,220 $7,054 $29,167 $3,907,825
16 181 $36,220 $7,002 $29,219 $3,878,607
16 182 $36,220 $6,949 $29,271 $3,849,335
16 183 $36,220 $6,897 $29,324 $3,820,012
16 184 $36,220 $6,844 $29,376 $3,790,636
16 185 $36,220 $6,792 $29,429 $3,761,207
16 186 $36,220 $6,739 $29,482 $3,731,725
16 187 $36,220 $6,686 $29,534 $3,702,191
16 188 $36,220 $6,633 $29,587 $3,672,604
16 189 $36,220 $6,580 $29,640 $3,642,963
16 190 $36,220 $6,527 $29,693 $3,613,270
16 191 $36,220 $6,474 $29,747 $3,583,523
16 192 $36,220 $6,420 $29,800 $3,553,723
17 193 $36,220 $6,367 $29,853 $3,523,870
17 194 $36,220 $6,314 $29,907 $3,493,963
17 195 $36,220 $6,260 $29,960 $3,464,003
17 196 $36,220 $6,206 $30,014 $3,433,989
17 197 $36,220 $6,153 $30,068 $3,403,921
17 198 $36,220 $6,099 $30,122 $3,373,799
17 199 $36,220 $6,045 $30,176 $3,343,624
17 200 $36,220 $5,991 $30,230 $3,313,394
17 201 $36,220 $5,936 $30,284 $3,283,110
17 202 $36,220 $5,882 $30,338 $3,252,772
17 203 $36,220 $5,828 $30,392 $3,222,380
17 204 $36,220 $5,773 $30,447 $3,191,933
18 205 $36,220 $5,719 $30,501 $3,161,431
18 206 $36,220 $5,664 $30,556 $3,130,875
18 207 $36,220 $5,609 $30,611 $3,100,264
18 208 $36,220 $5,555 $30,666 $3,069,598
18 209 $36,220 $5,500 $30,721 $3,038,878
18 210 $36,220 $5,445 $30,776 $3,008,102
18 211 $36,220 $5,390 $30,831 $2,977,271
18 212 $36,220 $5,334 $30,886 $2,946,385
18 213 $36,220 $5,279 $30,941 $2,915,444
18 214 $36,220 $5,224 $30,997 $2,884,447
18 215 $36,220 $5,168 $31,052 $2,853,394
18 216 $36,220 $5,112 $31,108 $2,822,286
19 217 $36,220 $5,057 $31,164 $2,791,123
19 218 $36,220 $5,001 $31,220 $2,759,903
19 219 $36,220 $4,945 $31,276 $2,728,627
19 220 $36,220 $4,889 $31,332 $2,697,296
19 221 $36,220 $4,833 $31,388 $2,665,908
19 222 $36,220 $4,776 $31,444 $2,634,464
19 223 $36,220 $4,720 $31,500 $2,602,964
19 224 $36,220 $4,664 $31,557 $2,571,407
19 225 $36,220 $4,607 $31,613 $2,539,794
19 226 $36,220 $4,550 $31,670 $2,508,124
19 227 $36,220 $4,494 $31,727 $2,476,397
19 228 $36,220 $4,437 $31,783 $2,444,614
20 229 $36,220 $4,380 $31,840 $2,412,773
20 230 $36,220 $4,323 $31,897 $2,380,876
20 231 $36,220 $4,266 $31,955 $2,348,921
20 232 $36,220 $4,208 $32,012 $2,316,909
20 233 $36,220 $4,151 $32,069 $2,284,840
20 234 $36,220 $4,094 $32,127 $2,252,713
20 235 $36,220 $4,036 $32,184 $2,220,529
20 236 $36,220 $3,978 $32,242 $2,188,287
20 237 $36,220 $3,921 $32,300 $2,155,988
20 238 $36,220 $3,863 $32,358 $2,123,630
20 239 $36,220 $3,805 $32,416 $2,091,214
20 240 $36,220 $3,747 $32,474 $2,058,741
21 241 $36,220 $3,689 $32,532 $2,026,209
21 242 $36,220 $3,630 $32,590 $1,993,619
21 243 $36,220 $3,572 $32,648 $1,960,970
21 244 $36,220 $3,513 $32,707 $1,928,263
21 245 $36,220 $3,455 $32,766 $1,895,498
21 246 $36,220 $3,396 $32,824 $1,862,674
21 247 $36,220 $3,337 $32,883 $1,829,791
21 248 $36,220 $3,278 $32,942 $1,796,849
21 249 $36,220 $3,219 $33,001 $1,763,848
21 250 $36,220 $3,160 $33,060 $1,730,787
21 251 $36,220 $3,101 $33,119 $1,697,668
21 252 $36,220 $3,042 $33,179 $1,664,489
22 253 $36,220 $2,982 $33,238 $1,631,251
22 254 $36,220 $2,923 $33,298 $1,597,953
22 255 $36,220 $2,863 $33,357 $1,564,596
22 256 $36,220 $2,803 $33,417 $1,531,179
22 257 $36,220 $2,743 $33,477 $1,497,702
22 258 $36,220 $2,683 $33,537 $1,464,165
22 259 $36,220 $2,623 $33,597 $1,430,568
22 260 $36,220 $2,563 $33,657 $1,396,911
22 261 $36,220 $2,503 $33,718 $1,363,193
22 262 $36,220 $2,442 $33,778 $1,329,415
22 263 $36,220 $2,382 $33,839 $1,295,577
22 264 $36,220 $2,321 $33,899 $1,261,677
23 265 $36,220 $2,261 $33,960 $1,227,718
23 266 $36,220 $2,200 $34,021 $1,193,697
23 267 $36,220 $2,139 $34,082 $1,159,615
23 268 $36,220 $2,078 $34,143 $1,125,472
23 269 $36,220 $2,016 $34,204 $1,091,269
23 270 $36,220 $1,955 $34,265 $1,057,003
23 271 $36,220 $1,894 $34,327 $1,022,677
23 272 $36,220 $1,832 $34,388 $988,289
23 273 $36,220 $1,771 $34,450 $953,839
23 274 $36,220 $1,709 $34,511 $919,328
23 275 $36,220 $1,647 $34,573 $884,754
23 276 $36,220 $1,585 $34,635 $850,119
24 277 $36,220 $1,523 $34,697 $815,422
24 278 $36,220 $1,461 $34,759 $780,663
24 279 $36,220 $1,399 $34,822 $745,841
24 280 $36,220 $1,336 $34,884 $710,957
24 281 $36,220 $1,274 $34,947 $676,010
24 282 $36,220 $1,211 $35,009 $641,001
24 283 $36,220 $1,148 $35,072 $605,929
24 284 $36,220 $1,086 $35,135 $570,794
24 285 $36,220 $1,023 $35,198 $535,597
24 286 $36,220 $960 $35,261 $500,336
24 287 $36,220 $896 $35,324 $465,012
24 288 $36,220 $833 $35,387 $429,625
25 289 $36,220 $770 $35,451 $394,174
25 290 $36,220 $706 $35,514 $358,660
25 291 $36,220 $643 $35,578 $323,082
25 292 $36,220 $579 $35,642 $287,441
25 293 $36,220 $515 $35,705 $251,735
25 294 $36,220 $451 $35,769 $215,966
25 295 $36,220 $387 $35,833 $180,132
25 296 $36,220 $323 $35,898 $144,235
25 297 $36,220 $258 $35,962 $108,273
25 298 $36,220 $194 $36,026 $72,247
25 299 $36,220 $129 $36,091 $36,156
25 300 $36,220 $65 $36,156 $0