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$ 25,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 25,625,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$25,000,000
 
Monthly Repayment (HKD)
$161,698
Loan Amount (HKD)
$37,500,000
+
Total Interest (HKD)
$11,009,427
=
Total Repayment (HKD)
$48,509,427
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $161,698 $67,188 $94,511 $37,405,489
1 2 $161,698 $67,018 $94,680 $37,310,809
1 3 $161,698 $66,849 $94,850 $37,215,960
1 4 $161,698 $66,679 $95,019 $37,120,940
1 5 $161,698 $66,508 $95,190 $37,025,751
1 6 $161,698 $66,338 $95,360 $36,930,390
1 7 $161,698 $66,167 $95,531 $36,834,859
1 8 $161,698 $65,996 $95,702 $36,739,157
1 9 $161,698 $65,824 $95,874 $36,643,283
1 10 $161,698 $65,653 $96,046 $36,547,238
1 11 $161,698 $65,480 $96,218 $36,451,020
1 12 $161,698 $65,308 $96,390 $36,354,630
2 13 $161,698 $65,135 $96,563 $36,258,067
2 14 $161,698 $64,962 $96,736 $36,161,332
2 15 $161,698 $64,789 $96,909 $36,064,423
2 16 $161,698 $64,615 $97,083 $35,967,340
2 17 $161,698 $64,441 $97,257 $35,870,083
2 18 $161,698 $64,267 $97,431 $35,772,652
2 19 $161,698 $64,093 $97,605 $35,675,047
2 20 $161,698 $63,918 $97,780 $35,577,267
2 21 $161,698 $63,743 $97,955 $35,479,311
2 22 $161,698 $63,567 $98,131 $35,381,180
2 23 $161,698 $63,391 $98,307 $35,282,873
2 24 $161,698 $63,215 $98,483 $35,184,390
3 25 $161,698 $63,039 $98,659 $35,085,731
3 26 $161,698 $62,862 $98,836 $34,986,895
3 27 $161,698 $62,685 $99,013 $34,887,882
3 28 $161,698 $62,507 $99,191 $34,788,691
3 29 $161,698 $62,330 $99,368 $34,689,323
3 30 $161,698 $62,152 $99,546 $34,589,776
3 31 $161,698 $61,973 $99,725 $34,490,052
3 32 $161,698 $61,795 $99,903 $34,390,148
3 33 $161,698 $61,616 $100,082 $34,290,066
3 34 $161,698 $61,436 $100,262 $34,189,804
3 35 $161,698 $61,257 $100,441 $34,089,363
3 36 $161,698 $61,077 $100,621 $33,988,741
4 37 $161,698 $60,896 $100,802 $33,887,940
4 38 $161,698 $60,716 $100,982 $33,786,958
4 39 $161,698 $60,535 $101,163 $33,685,794
4 40 $161,698 $60,354 $101,344 $33,584,450
4 41 $161,698 $60,172 $101,526 $33,482,924
4 42 $161,698 $59,990 $101,708 $33,381,216
4 43 $161,698 $59,808 $101,890 $33,279,326
4 44 $161,698 $59,625 $102,073 $33,177,254
4 45 $161,698 $59,443 $102,256 $33,074,998
4 46 $161,698 $59,259 $102,439 $32,972,559
4 47 $161,698 $59,076 $102,622 $32,869,937
4 48 $161,698 $58,892 $102,806 $32,767,131
5 49 $161,698 $58,708 $102,990 $32,664,141
5 50 $161,698 $58,523 $103,175 $32,560,966
5 51 $161,698 $58,338 $103,360 $32,457,606
5 52 $161,698 $58,153 $103,545 $32,354,061
5 53 $161,698 $57,968 $103,730 $32,250,331
5 54 $161,698 $57,782 $103,916 $32,146,415
5 55 $161,698 $57,596 $104,102 $32,042,312
5 56 $161,698 $57,409 $104,289 $31,938,023
5 57 $161,698 $57,222 $104,476 $31,833,547
5 58 $161,698 $57,035 $104,663 $31,728,884
5 59 $161,698 $56,848 $104,851 $31,624,034
5 60 $161,698 $56,660 $105,038 $31,518,996
6 61 $161,698 $56,472 $105,227 $31,413,769
6 62 $161,698 $56,283 $105,415 $31,308,354
6 63 $161,698 $56,094 $105,604 $31,202,750
6 64 $161,698 $55,905 $105,793 $31,096,957
6 65 $161,698 $55,715 $105,983 $30,990,974
6 66 $161,698 $55,525 $106,173 $30,884,802
6 67 $161,698 $55,335 $106,363 $30,778,439
6 68 $161,698 $55,145 $106,553 $30,671,885
6 69 $161,698 $54,954 $106,744 $30,565,141
6 70 $161,698 $54,763 $106,936 $30,458,205
6 71 $161,698 $54,571 $107,127 $30,351,078
6 72 $161,698 $54,379 $107,319 $30,243,759
7 73 $161,698 $54,187 $107,511 $30,136,248
7 74 $161,698 $53,994 $107,704 $30,028,544
7 75 $161,698 $53,801 $107,897 $29,920,647
7 76 $161,698 $53,608 $108,090 $29,812,557
7 77 $161,698 $53,414 $108,284 $29,704,273
7 78 $161,698 $53,220 $108,478 $29,595,795
7 79 $161,698 $53,026 $108,672 $29,487,123
7 80 $161,698 $52,831 $108,867 $29,378,256
7 81 $161,698 $52,636 $109,062 $29,269,194
7 82 $161,698 $52,441 $109,257 $29,159,936
7 83 $161,698 $52,245 $109,453 $29,050,483
7 84 $161,698 $52,049 $109,649 $28,940,834
8 85 $161,698 $51,852 $109,846 $28,830,988
8 86 $161,698 $51,656 $110,043 $28,720,945
8 87 $161,698 $51,458 $110,240 $28,610,705
8 88 $161,698 $51,261 $110,437 $28,500,268
8 89 $161,698 $51,063 $110,635 $28,389,633
8 90 $161,698 $50,865 $110,833 $28,278,800
8 91 $161,698 $50,666 $111,032 $28,167,768
8 92 $161,698 $50,467 $111,231 $28,056,537
8 93 $161,698 $50,268 $111,430 $27,945,107
8 94 $161,698 $50,068 $111,630 $27,833,477
8 95 $161,698 $49,868 $111,830 $27,721,647
8 96 $161,698 $49,668 $112,030 $27,609,617
9 97 $161,698 $49,467 $112,231 $27,497,386
9 98 $161,698 $49,266 $112,432 $27,384,954
9 99 $161,698 $49,065 $112,633 $27,272,321
9 100 $161,698 $48,863 $112,835 $27,159,486
9 101 $161,698 $48,661 $113,037 $27,046,449
9 102 $161,698 $48,458 $113,240 $26,933,209
9 103 $161,698 $48,255 $113,443 $26,819,766
9 104 $161,698 $48,052 $113,646 $26,706,120
9 105 $161,698 $47,848 $113,850 $26,592,270
9 106 $161,698 $47,644 $114,054 $26,478,217
9 107 $161,698 $47,440 $114,258 $26,363,959
9 108 $161,698 $47,235 $114,463 $26,249,496
10 109 $161,698 $47,030 $114,668 $26,134,828
10 110 $161,698 $46,825 $114,873 $26,019,955
10 111 $161,698 $46,619 $115,079 $25,904,876
10 112 $161,698 $46,413 $115,285 $25,789,591
10 113 $161,698 $46,206 $115,492 $25,674,099
10 114 $161,698 $45,999 $115,699 $25,558,401
10 115 $161,698 $45,792 $115,906 $25,442,495
10 116 $161,698 $45,584 $116,114 $25,326,381
10 117 $161,698 $45,376 $116,322 $25,210,059
10 118 $161,698 $45,168 $116,530 $25,093,529
10 119 $161,698 $44,959 $116,739 $24,976,790
10 120 $161,698 $44,750 $116,948 $24,859,842
11 121 $161,698 $44,541 $117,158 $24,742,685
11 122 $161,698 $44,331 $117,367 $24,625,317
11 123 $161,698 $44,120 $117,578 $24,507,740
11 124 $161,698 $43,910 $117,788 $24,389,951
11 125 $161,698 $43,699 $117,999 $24,271,952
11 126 $161,698 $43,487 $118,211 $24,153,741
11 127 $161,698 $43,275 $118,423 $24,035,318
11 128 $161,698 $43,063 $118,635 $23,916,684
11 129 $161,698 $42,851 $118,847 $23,797,836
11 130 $161,698 $42,638 $119,060 $23,678,776
11 131 $161,698 $42,424 $119,274 $23,559,502
11 132 $161,698 $42,211 $119,487 $23,440,015
12 133 $161,698 $41,997 $119,701 $23,320,314
12 134 $161,698 $41,782 $119,916 $23,200,398
12 135 $161,698 $41,567 $120,131 $23,080,267
12 136 $161,698 $41,352 $120,346 $22,959,921
12 137 $161,698 $41,137 $120,562 $22,839,359
12 138 $161,698 $40,921 $120,778 $22,718,582
12 139 $161,698 $40,704 $120,994 $22,597,588
12 140 $161,698 $40,487 $121,211 $22,476,377
12 141 $161,698 $40,270 $121,428 $22,354,949
12 142 $161,698 $40,053 $121,645 $22,233,304
12 143 $161,698 $39,835 $121,863 $22,111,440
12 144 $161,698 $39,616 $122,082 $21,989,359
13 145 $161,698 $39,398 $122,300 $21,867,058
13 146 $161,698 $39,178 $122,520 $21,744,539
13 147 $161,698 $38,959 $122,739 $21,621,799
13 148 $161,698 $38,739 $122,959 $21,498,840
13 149 $161,698 $38,519 $123,179 $21,375,661
13 150 $161,698 $38,298 $123,400 $21,252,261
13 151 $161,698 $38,077 $123,621 $21,128,640
13 152 $161,698 $37,855 $123,843 $21,004,797
13 153 $161,698 $37,634 $124,064 $20,880,733
13 154 $161,698 $37,411 $124,287 $20,756,446
13 155 $161,698 $37,189 $124,509 $20,631,937
13 156 $161,698 $36,966 $124,733 $20,507,204
14 157 $161,698 $36,742 $124,956 $20,382,248
14 158 $161,698 $36,518 $125,180 $20,257,068
14 159 $161,698 $36,294 $125,404 $20,131,664
14 160 $161,698 $36,069 $125,629 $20,006,035
14 161 $161,698 $35,844 $125,854 $19,880,181
14 162 $161,698 $35,619 $126,079 $19,754,102
14 163 $161,698 $35,393 $126,305 $19,627,796
14 164 $161,698 $35,166 $126,532 $19,501,265
14 165 $161,698 $34,940 $126,758 $19,374,506
14 166 $161,698 $34,713 $126,985 $19,247,521
14 167 $161,698 $34,485 $127,213 $19,120,308
14 168 $161,698 $34,257 $127,441 $18,992,867
15 169 $161,698 $34,029 $127,669 $18,865,198
15 170 $161,698 $33,800 $127,898 $18,737,300
15 171 $161,698 $33,571 $128,127 $18,609,173
15 172 $161,698 $33,341 $128,357 $18,480,816
15 173 $161,698 $33,111 $128,587 $18,352,230
15 174 $161,698 $32,881 $128,817 $18,223,413
15 175 $161,698 $32,650 $129,048 $18,094,365
15 176 $161,698 $32,419 $129,279 $17,965,086
15 177 $161,698 $32,187 $129,511 $17,835,575
15 178 $161,698 $31,955 $129,743 $17,705,832
15 179 $161,698 $31,723 $129,975 $17,575,857
15 180 $161,698 $31,490 $130,208 $17,445,649
16 181 $161,698 $31,257 $130,441 $17,315,208
16 182 $161,698 $31,023 $130,675 $17,184,533
16 183 $161,698 $30,789 $130,909 $17,053,624
16 184 $161,698 $30,554 $131,144 $16,922,480
16 185 $161,698 $30,319 $131,379 $16,791,102
16 186 $161,698 $30,084 $131,614 $16,659,488
16 187 $161,698 $29,848 $131,850 $16,527,638
16 188 $161,698 $29,612 $132,086 $16,395,552
16 189 $161,698 $29,375 $132,323 $16,263,229
16 190 $161,698 $29,138 $132,560 $16,130,669
16 191 $161,698 $28,901 $132,797 $15,997,872
16 192 $161,698 $28,663 $133,035 $15,864,837
17 193 $161,698 $28,424 $133,274 $15,731,563
17 194 $161,698 $28,186 $133,512 $15,598,051
17 195 $161,698 $27,947 $133,752 $15,464,299
17 196 $161,698 $27,707 $133,991 $15,330,308
17 197 $161,698 $27,467 $134,231 $15,196,076
17 198 $161,698 $27,226 $134,472 $15,061,605
17 199 $161,698 $26,985 $134,713 $14,926,892
17 200 $161,698 $26,744 $134,954 $14,791,938
17 201 $161,698 $26,502 $135,196 $14,656,742
17 202 $161,698 $26,260 $135,438 $14,521,304
17 203 $161,698 $26,017 $135,681 $14,385,623
17 204 $161,698 $25,774 $135,924 $14,249,699
18 205 $161,698 $25,531 $136,167 $14,113,532
18 206 $161,698 $25,287 $136,411 $13,977,121
18 207 $161,698 $25,042 $136,656 $13,840,465
18 208 $161,698 $24,797 $136,901 $13,703,564
18 209 $161,698 $24,552 $137,146 $13,566,418
18 210 $161,698 $24,306 $137,392 $13,429,027
18 211 $161,698 $24,060 $137,638 $13,291,389
18 212 $161,698 $23,814 $137,884 $13,153,505
18 213 $161,698 $23,567 $138,131 $13,015,373
18 214 $161,698 $23,319 $138,379 $12,876,994
18 215 $161,698 $23,071 $138,627 $12,738,368
18 216 $161,698 $22,823 $138,875 $12,599,492
19 217 $161,698 $22,574 $139,124 $12,460,368
19 218 $161,698 $22,325 $139,373 $12,320,995
19 219 $161,698 $22,075 $139,623 $12,181,372
19 220 $161,698 $21,825 $139,873 $12,041,499
19 221 $161,698 $21,574 $140,124 $11,901,375
19 222 $161,698 $21,323 $140,375 $11,761,001
19 223 $161,698 $21,072 $140,626 $11,620,374
19 224 $161,698 $20,820 $140,878 $11,479,496
19 225 $161,698 $20,567 $141,131 $11,338,365
19 226 $161,698 $20,315 $141,384 $11,196,982
19 227 $161,698 $20,061 $141,637 $11,055,345
19 228 $161,698 $19,807 $141,891 $10,913,454
20 229 $161,698 $19,553 $142,145 $10,771,310
20 230 $161,698 $19,299 $142,399 $10,628,910
20 231 $161,698 $19,043 $142,655 $10,486,255
20 232 $161,698 $18,788 $142,910 $10,343,345
20 233 $161,698 $18,532 $143,166 $10,200,179
20 234 $161,698 $18,275 $143,423 $10,056,756
20 235 $161,698 $18,018 $143,680 $9,913,077
20 236 $161,698 $17,761 $143,937 $9,769,139
20 237 $161,698 $17,503 $144,195 $9,624,944
20 238 $161,698 $17,245 $144,453 $9,480,491
20 239 $161,698 $16,986 $144,712 $9,335,779
20 240 $161,698 $16,727 $144,971 $9,190,807
21 241 $161,698 $16,467 $145,231 $9,045,576
21 242 $161,698 $16,207 $145,491 $8,900,085
21 243 $161,698 $15,946 $145,752 $8,754,332
21 244 $161,698 $15,685 $146,013 $8,608,319
21 245 $161,698 $15,423 $146,275 $8,462,044
21 246 $161,698 $15,161 $146,537 $8,315,507
21 247 $161,698 $14,899 $146,799 $8,168,708
21 248 $161,698 $14,636 $147,062 $8,021,645
21 249 $161,698 $14,372 $147,326 $7,874,319
21 250 $161,698 $14,108 $147,590 $7,726,730
21 251 $161,698 $13,844 $147,854 $7,578,875
21 252 $161,698 $13,579 $148,119 $7,430,756
22 253 $161,698 $13,313 $148,385 $7,282,371
22 254 $161,698 $13,048 $148,651 $7,133,721
22 255 $161,698 $12,781 $148,917 $6,984,804
22 256 $161,698 $12,514 $149,184 $6,835,620
22 257 $161,698 $12,247 $149,451 $6,686,169
22 258 $161,698 $11,979 $149,719 $6,536,451
22 259 $161,698 $11,711 $149,987 $6,386,464
22 260 $161,698 $11,442 $150,256 $6,236,208
22 261 $161,698 $11,173 $150,525 $6,085,683
22 262 $161,698 $10,904 $150,795 $5,934,889
22 263 $161,698 $10,633 $151,065 $5,783,824
22 264 $161,698 $10,363 $151,335 $5,632,488
23 265 $161,698 $10,092 $151,607 $5,480,882
23 266 $161,698 $9,820 $151,878 $5,329,004
23 267 $161,698 $9,548 $152,150 $5,176,853
23 268 $161,698 $9,275 $152,423 $5,024,430
23 269 $161,698 $9,002 $152,696 $4,871,734
23 270 $161,698 $8,729 $152,970 $4,718,765
23 271 $161,698 $8,454 $153,244 $4,565,521
23 272 $161,698 $8,180 $153,518 $4,412,003
23 273 $161,698 $7,905 $153,793 $4,258,210
23 274 $161,698 $7,629 $154,069 $4,104,141
23 275 $161,698 $7,353 $154,345 $3,949,796
23 276 $161,698 $7,077 $154,621 $3,795,175
24 277 $161,698 $6,800 $154,898 $3,640,276
24 278 $161,698 $6,522 $155,176 $3,485,101
24 279 $161,698 $6,244 $155,454 $3,329,647
24 280 $161,698 $5,966 $155,732 $3,173,914
24 281 $161,698 $5,687 $156,011 $3,017,903
24 282 $161,698 $5,407 $156,291 $2,861,612
24 283 $161,698 $5,127 $156,571 $2,705,041
24 284 $161,698 $4,847 $156,852 $2,548,189
24 285 $161,698 $4,566 $157,133 $2,391,056
24 286 $161,698 $4,284 $157,414 $2,233,642
24 287 $161,698 $4,002 $157,696 $2,075,946
24 288 $161,698 $3,719 $157,979 $1,917,967
25 289 $161,698 $3,436 $158,262 $1,759,706
25 290 $161,698 $3,153 $158,545 $1,601,160
25 291 $161,698 $2,869 $158,829 $1,442,331
25 292 $161,698 $2,584 $159,114 $1,283,217
25 293 $161,698 $2,299 $159,399 $1,123,818
25 294 $161,698 $2,014 $159,685 $964,134
25 295 $161,698 $1,727 $159,971 $804,163
25 296 $161,698 $1,441 $160,257 $643,906
25 297 $161,698 $1,154 $160,544 $483,361
25 298 $161,698 $866 $160,832 $322,529
25 299 $161,698 $578 $161,120 $161,409
25 300 $161,698 $289 $161,409 $0