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$ 7,440,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 7,626,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$7,440,000
 
Monthly Repayment (HKD)
$48,121
Loan Amount (HKD)
$11,160,000
+
Total Interest (HKD)
$3,276,405
=
Total Repayment (HKD)
$14,436,405
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $48,121 $19,995 $28,126 $11,131,874
1 2 $48,121 $19,945 $28,177 $11,103,697
1 3 $48,121 $19,894 $28,227 $11,075,470
1 4 $48,121 $19,844 $28,278 $11,047,192
1 5 $48,121 $19,793 $28,328 $11,018,863
1 6 $48,121 $19,742 $28,379 $10,990,484
1 7 $48,121 $19,691 $28,430 $10,962,054
1 8 $48,121 $19,640 $28,481 $10,933,573
1 9 $48,121 $19,589 $28,532 $10,905,041
1 10 $48,121 $19,538 $28,583 $10,876,458
1 11 $48,121 $19,487 $28,634 $10,847,824
1 12 $48,121 $19,436 $28,686 $10,819,138
2 13 $48,121 $19,384 $28,737 $10,790,401
2 14 $48,121 $19,333 $28,789 $10,761,612
2 15 $48,121 $19,281 $28,840 $10,732,772
2 16 $48,121 $19,230 $28,892 $10,703,880
2 17 $48,121 $19,178 $28,944 $10,674,937
2 18 $48,121 $19,126 $28,995 $10,645,941
2 19 $48,121 $19,074 $29,047 $10,616,894
2 20 $48,121 $19,022 $29,099 $10,587,795
2 21 $48,121 $18,970 $29,152 $10,558,643
2 22 $48,121 $18,918 $29,204 $10,529,439
2 23 $48,121 $18,865 $29,256 $10,500,183
2 24 $48,121 $18,813 $29,309 $10,470,875
3 25 $48,121 $18,760 $29,361 $10,441,514
3 26 $48,121 $18,708 $29,414 $10,412,100
3 27 $48,121 $18,655 $29,466 $10,382,634
3 28 $48,121 $18,602 $29,519 $10,353,114
3 29 $48,121 $18,549 $29,572 $10,323,542
3 30 $48,121 $18,496 $29,625 $10,293,917
3 31 $48,121 $18,443 $29,678 $10,264,239
3 32 $48,121 $18,390 $29,731 $10,234,508
3 33 $48,121 $18,337 $29,785 $10,204,724
3 34 $48,121 $18,283 $29,838 $10,174,886
3 35 $48,121 $18,230 $29,891 $10,144,994
3 36 $48,121 $18,176 $29,945 $10,115,049
4 37 $48,121 $18,123 $29,999 $10,085,051
4 38 $48,121 $18,069 $30,052 $10,054,999
4 39 $48,121 $18,015 $30,106 $10,024,892
4 40 $48,121 $17,961 $30,160 $9,994,732
4 41 $48,121 $17,907 $30,214 $9,964,518
4 42 $48,121 $17,853 $30,268 $9,934,250
4 43 $48,121 $17,799 $30,322 $9,903,927
4 44 $48,121 $17,745 $30,377 $9,873,551
4 45 $48,121 $17,690 $30,431 $9,843,119
4 46 $48,121 $17,636 $30,486 $9,812,634
4 47 $48,121 $17,581 $30,540 $9,782,093
4 48 $48,121 $17,526 $30,595 $9,751,498
5 49 $48,121 $17,471 $30,650 $9,720,848
5 50 $48,121 $17,417 $30,705 $9,690,143
5 51 $48,121 $17,362 $30,760 $9,659,384
5 52 $48,121 $17,306 $30,815 $9,628,569
5 53 $48,121 $17,251 $30,870 $9,597,698
5 54 $48,121 $17,196 $30,925 $9,566,773
5 55 $48,121 $17,140 $30,981 $9,535,792
5 56 $48,121 $17,085 $31,036 $9,504,756
5 57 $48,121 $17,029 $31,092 $9,473,664
5 58 $48,121 $16,974 $31,148 $9,442,516
5 59 $48,121 $16,918 $31,204 $9,411,313
5 60 $48,121 $16,862 $31,259 $9,380,053
6 61 $48,121 $16,806 $31,315 $9,348,738
6 62 $48,121 $16,750 $31,372 $9,317,366
6 63 $48,121 $16,694 $31,428 $9,285,938
6 64 $48,121 $16,637 $31,484 $9,254,454
6 65 $48,121 $16,581 $31,540 $9,222,914
6 66 $48,121 $16,524 $31,597 $9,191,317
6 67 $48,121 $16,468 $31,654 $9,159,663
6 68 $48,121 $16,411 $31,710 $9,127,953
6 69 $48,121 $16,354 $31,767 $9,096,186
6 70 $48,121 $16,297 $31,824 $9,064,362
6 71 $48,121 $16,240 $31,881 $9,032,481
6 72 $48,121 $16,183 $31,938 $9,000,543
7 73 $48,121 $16,126 $31,995 $8,968,547
7 74 $48,121 $16,069 $32,053 $8,936,495
7 75 $48,121 $16,011 $32,110 $8,904,385
7 76 $48,121 $15,954 $32,168 $8,872,217
7 77 $48,121 $15,896 $32,225 $8,839,992
7 78 $48,121 $15,838 $32,283 $8,807,709
7 79 $48,121 $15,780 $32,341 $8,775,368
7 80 $48,121 $15,723 $32,399 $8,742,969
7 81 $48,121 $15,664 $32,457 $8,710,512
7 82 $48,121 $15,606 $32,515 $8,677,997
7 83 $48,121 $15,548 $32,573 $8,645,424
7 84 $48,121 $15,490 $32,632 $8,612,792
8 85 $48,121 $15,431 $32,690 $8,580,102
8 86 $48,121 $15,373 $32,749 $8,547,353
8 87 $48,121 $15,314 $32,807 $8,514,546
8 88 $48,121 $15,255 $32,866 $8,481,680
8 89 $48,121 $15,196 $32,925 $8,448,755
8 90 $48,121 $15,137 $32,984 $8,415,771
8 91 $48,121 $15,078 $33,043 $8,382,728
8 92 $48,121 $15,019 $33,102 $8,349,625
8 93 $48,121 $14,960 $33,162 $8,316,464
8 94 $48,121 $14,900 $33,221 $8,283,243
8 95 $48,121 $14,841 $33,281 $8,249,962
8 96 $48,121 $14,781 $33,340 $8,216,622
9 97 $48,121 $14,721 $33,400 $8,183,222
9 98 $48,121 $14,662 $33,460 $8,149,762
9 99 $48,121 $14,602 $33,520 $8,116,243
9 100 $48,121 $14,542 $33,580 $8,082,663
9 101 $48,121 $14,481 $33,640 $8,049,023
9 102 $48,121 $14,421 $33,700 $8,015,323
9 103 $48,121 $14,361 $33,761 $7,981,562
9 104 $48,121 $14,300 $33,821 $7,947,741
9 105 $48,121 $14,240 $33,882 $7,913,860
9 106 $48,121 $14,179 $33,942 $7,879,917
9 107 $48,121 $14,118 $34,003 $7,845,914
9 108 $48,121 $14,057 $34,064 $7,811,850
10 109 $48,121 $13,996 $34,125 $7,777,725
10 110 $48,121 $13,935 $34,186 $7,743,539
10 111 $48,121 $13,874 $34,248 $7,709,291
10 112 $48,121 $13,812 $34,309 $7,674,982
10 113 $48,121 $13,751 $34,370 $7,640,612
10 114 $48,121 $13,689 $34,432 $7,606,180
10 115 $48,121 $13,628 $34,494 $7,571,686
10 116 $48,121 $13,566 $34,555 $7,537,131
10 117 $48,121 $13,504 $34,617 $7,502,514
10 118 $48,121 $13,442 $34,679 $7,467,834
10 119 $48,121 $13,380 $34,741 $7,433,093
10 120 $48,121 $13,318 $34,804 $7,398,289
11 121 $48,121 $13,255 $34,866 $7,363,423
11 122 $48,121 $13,193 $34,929 $7,328,494
11 123 $48,121 $13,130 $34,991 $7,293,503
11 124 $48,121 $13,068 $35,054 $7,258,450
11 125 $48,121 $13,005 $35,117 $7,223,333
11 126 $48,121 $12,942 $35,180 $7,188,153
11 127 $48,121 $12,879 $35,243 $7,152,911
11 128 $48,121 $12,816 $35,306 $7,117,605
11 129 $48,121 $12,752 $35,369 $7,082,236
11 130 $48,121 $12,689 $35,432 $7,046,804
11 131 $48,121 $12,626 $35,496 $7,011,308
11 132 $48,121 $12,562 $35,559 $6,975,748
12 133 $48,121 $12,498 $35,623 $6,940,125
12 134 $48,121 $12,434 $35,687 $6,904,438
12 135 $48,121 $12,370 $35,751 $6,868,687
12 136 $48,121 $12,306 $35,815 $6,832,873
12 137 $48,121 $12,242 $35,879 $6,796,993
12 138 $48,121 $12,178 $35,943 $6,761,050
12 139 $48,121 $12,114 $36,008 $6,725,042
12 140 $48,121 $12,049 $36,072 $6,688,970
12 141 $48,121 $11,984 $36,137 $6,652,833
12 142 $48,121 $11,920 $36,202 $6,616,631
12 143 $48,121 $11,855 $36,267 $6,580,365
12 144 $48,121 $11,790 $36,332 $6,544,033
13 145 $48,121 $11,725 $36,397 $6,507,637
13 146 $48,121 $11,660 $36,462 $6,471,175
13 147 $48,121 $11,594 $36,527 $6,434,648
13 148 $48,121 $11,529 $36,593 $6,398,055
13 149 $48,121 $11,463 $36,658 $6,361,397
13 150 $48,121 $11,398 $36,724 $6,324,673
13 151 $48,121 $11,332 $36,790 $6,287,883
13 152 $48,121 $11,266 $36,856 $6,251,028
13 153 $48,121 $11,200 $36,922 $6,214,106
13 154 $48,121 $11,134 $36,988 $6,177,118
13 155 $48,121 $11,067 $37,054 $6,140,064
13 156 $48,121 $11,001 $37,120 $6,102,944
14 157 $48,121 $10,934 $37,187 $6,065,757
14 158 $48,121 $10,868 $37,254 $6,028,503
14 159 $48,121 $10,801 $37,320 $5,991,183
14 160 $48,121 $10,734 $37,387 $5,953,796
14 161 $48,121 $10,667 $37,454 $5,916,342
14 162 $48,121 $10,600 $37,521 $5,878,821
14 163 $48,121 $10,533 $37,588 $5,841,232
14 164 $48,121 $10,466 $37,656 $5,803,576
14 165 $48,121 $10,398 $37,723 $5,765,853
14 166 $48,121 $10,330 $37,791 $5,728,062
14 167 $48,121 $10,263 $37,859 $5,690,204
14 168 $48,121 $10,195 $37,926 $5,652,277
15 169 $48,121 $10,127 $37,994 $5,614,283
15 170 $48,121 $10,059 $38,062 $5,576,220
15 171 $48,121 $9,991 $38,131 $5,538,090
15 172 $48,121 $9,922 $38,199 $5,499,891
15 173 $48,121 $9,854 $38,267 $5,461,624
15 174 $48,121 $9,785 $38,336 $5,423,288
15 175 $48,121 $9,717 $38,405 $5,384,883
15 176 $48,121 $9,648 $38,473 $5,346,410
15 177 $48,121 $9,579 $38,542 $5,307,867
15 178 $48,121 $9,510 $38,611 $5,269,256
15 179 $48,121 $9,441 $38,681 $5,230,575
15 180 $48,121 $9,371 $38,750 $5,191,825
16 181 $48,121 $9,302 $38,819 $5,153,006
16 182 $48,121 $9,232 $38,889 $5,114,117
16 183 $48,121 $9,163 $38,959 $5,075,158
16 184 $48,121 $9,093 $39,028 $5,036,130
16 185 $48,121 $9,023 $39,098 $4,997,032
16 186 $48,121 $8,953 $39,168 $4,957,863
16 187 $48,121 $8,883 $39,239 $4,918,625
16 188 $48,121 $8,813 $39,309 $4,879,316
16 189 $48,121 $8,742 $39,379 $4,839,937
16 190 $48,121 $8,672 $39,450 $4,800,487
16 191 $48,121 $8,601 $39,520 $4,760,967
16 192 $48,121 $8,530 $39,591 $4,721,375
17 193 $48,121 $8,459 $39,662 $4,681,713
17 194 $48,121 $8,388 $39,733 $4,641,980
17 195 $48,121 $8,317 $39,804 $4,602,175
17 196 $48,121 $8,246 $39,876 $4,562,300
17 197 $48,121 $8,174 $39,947 $4,522,352
17 198 $48,121 $8,103 $40,019 $4,482,334
17 199 $48,121 $8,031 $40,091 $4,442,243
17 200 $48,121 $7,959 $40,162 $4,402,081
17 201 $48,121 $7,887 $40,234 $4,361,846
17 202 $48,121 $7,815 $40,306 $4,321,540
17 203 $48,121 $7,743 $40,379 $4,281,161
17 204 $48,121 $7,670 $40,451 $4,240,711
18 205 $48,121 $7,598 $40,523 $4,200,187
18 206 $48,121 $7,525 $40,596 $4,159,591
18 207 $48,121 $7,453 $40,669 $4,118,922
18 208 $48,121 $7,380 $40,742 $4,078,181
18 209 $48,121 $7,307 $40,815 $4,037,366
18 210 $48,121 $7,234 $40,888 $3,996,478
18 211 $48,121 $7,160 $40,961 $3,955,517
18 212 $48,121 $7,087 $41,034 $3,914,483
18 213 $48,121 $7,013 $41,108 $3,873,375
18 214 $48,121 $6,940 $41,182 $3,832,194
18 215 $48,121 $6,866 $41,255 $3,790,938
18 216 $48,121 $6,792 $41,329 $3,749,609
19 217 $48,121 $6,718 $41,403 $3,708,206
19 218 $48,121 $6,644 $41,477 $3,666,728
19 219 $48,121 $6,570 $41,552 $3,625,176
19 220 $48,121 $6,495 $41,626 $3,583,550
19 221 $48,121 $6,421 $41,701 $3,541,849
19 222 $48,121 $6,346 $41,776 $3,500,074
19 223 $48,121 $6,271 $41,850 $3,458,223
19 224 $48,121 $6,196 $41,925 $3,416,298
19 225 $48,121 $6,121 $42,000 $3,374,298
19 226 $48,121 $6,046 $42,076 $3,332,222
19 227 $48,121 $5,970 $42,151 $3,290,071
19 228 $48,121 $5,895 $42,227 $3,247,844
20 229 $48,121 $5,819 $42,302 $3,205,542
20 230 $48,121 $5,743 $42,378 $3,163,164
20 231 $48,121 $5,667 $42,454 $3,120,710
20 232 $48,121 $5,591 $42,530 $3,078,180
20 233 $48,121 $5,515 $42,606 $3,035,573
20 234 $48,121 $5,439 $42,683 $2,992,891
20 235 $48,121 $5,362 $42,759 $2,950,132
20 236 $48,121 $5,286 $42,836 $2,907,296
20 237 $48,121 $5,209 $42,912 $2,864,383
20 238 $48,121 $5,132 $42,989 $2,821,394
20 239 $48,121 $5,055 $43,066 $2,778,328
20 240 $48,121 $4,978 $43,144 $2,735,184
21 241 $48,121 $4,901 $43,221 $2,691,963
21 242 $48,121 $4,823 $43,298 $2,648,665
21 243 $48,121 $4,746 $43,376 $2,605,289
21 244 $48,121 $4,668 $43,454 $2,561,836
21 245 $48,121 $4,590 $43,531 $2,518,304
21 246 $48,121 $4,512 $43,609 $2,474,695
21 247 $48,121 $4,434 $43,688 $2,431,007
21 248 $48,121 $4,356 $43,766 $2,387,242
21 249 $48,121 $4,277 $43,844 $2,343,397
21 250 $48,121 $4,199 $43,923 $2,299,475
21 251 $48,121 $4,120 $44,001 $2,255,473
21 252 $48,121 $4,041 $44,080 $2,211,393
22 253 $48,121 $3,962 $44,159 $2,167,234
22 254 $48,121 $3,883 $44,238 $2,122,995
22 255 $48,121 $3,804 $44,318 $2,078,678
22 256 $48,121 $3,724 $44,397 $2,034,281
22 257 $48,121 $3,645 $44,477 $1,989,804
22 258 $48,121 $3,565 $44,556 $1,945,248
22 259 $48,121 $3,485 $44,636 $1,900,612
22 260 $48,121 $3,405 $44,716 $1,855,895
22 261 $48,121 $3,325 $44,796 $1,811,099
22 262 $48,121 $3,245 $44,876 $1,766,223
22 263 $48,121 $3,164 $44,957 $1,721,266
22 264 $48,121 $3,084 $45,037 $1,676,229
23 265 $48,121 $3,003 $45,118 $1,631,110
23 266 $48,121 $2,922 $45,199 $1,585,911
23 267 $48,121 $2,841 $45,280 $1,540,632
23 268 $48,121 $2,760 $45,361 $1,495,271
23 269 $48,121 $2,679 $45,442 $1,449,828
23 270 $48,121 $2,598 $45,524 $1,404,304
23 271 $48,121 $2,516 $45,605 $1,358,699
23 272 $48,121 $2,434 $45,687 $1,313,012
23 273 $48,121 $2,352 $45,769 $1,267,243
23 274 $48,121 $2,270 $45,851 $1,221,392
23 275 $48,121 $2,188 $45,933 $1,175,459
23 276 $48,121 $2,106 $46,015 $1,129,444
24 277 $48,121 $2,024 $46,098 $1,083,346
24 278 $48,121 $1,941 $46,180 $1,037,166
24 279 $48,121 $1,858 $46,263 $990,903
24 280 $48,121 $1,775 $46,346 $944,557
24 281 $48,121 $1,692 $46,429 $898,128
24 282 $48,121 $1,609 $46,512 $851,616
24 283 $48,121 $1,526 $46,596 $805,020
24 284 $48,121 $1,442 $46,679 $758,341
24 285 $48,121 $1,359 $46,763 $711,578
24 286 $48,121 $1,275 $46,846 $664,732
24 287 $48,121 $1,191 $46,930 $617,802
24 288 $48,121 $1,107 $47,014 $570,787
25 289 $48,121 $1,023 $47,099 $523,688
25 290 $48,121 $938 $47,183 $476,505
25 291 $48,121 $854 $47,268 $429,238
25 292 $48,121 $769 $47,352 $381,885
25 293 $48,121 $684 $47,437 $334,448
25 294 $48,121 $599 $47,522 $286,926
25 295 $48,121 $514 $47,607 $239,319
25 296 $48,121 $429 $47,693 $191,626
25 297 $48,121 $343 $47,778 $143,848
25 298 $48,121 $258 $47,864 $95,985
25 299 $48,121 $172 $47,949 $48,035
25 300 $48,121 $86 $48,035 $0