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$ 7,472,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 7,658,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$7,472,000
 
Monthly Repayment (HKD)
$48,328
Loan Amount (HKD)
$11,208,000
+
Total Interest (HKD)
$3,290,498
=
Total Repayment (HKD)
$14,498,498
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $48,328 $20,081 $28,247 $11,179,753
1 2 $48,328 $20,030 $28,298 $11,151,455
1 3 $48,328 $19,980 $28,349 $11,123,106
1 4 $48,328 $19,929 $28,399 $11,094,707
1 5 $48,328 $19,878 $28,450 $11,066,256
1 6 $48,328 $19,827 $28,501 $11,037,755
1 7 $48,328 $19,776 $28,552 $11,009,203
1 8 $48,328 $19,725 $28,604 $10,980,599
1 9 $48,328 $19,674 $28,655 $10,951,944
1 10 $48,328 $19,622 $28,706 $10,923,238
1 11 $48,328 $19,571 $28,758 $10,894,481
1 12 $48,328 $19,519 $28,809 $10,865,672
2 13 $48,328 $19,468 $28,861 $10,836,811
2 14 $48,328 $19,416 $28,912 $10,807,899
2 15 $48,328 $19,364 $28,964 $10,778,935
2 16 $48,328 $19,312 $29,016 $10,749,919
2 17 $48,328 $19,260 $29,068 $10,720,850
2 18 $48,328 $19,208 $29,120 $10,691,730
2 19 $48,328 $19,156 $29,172 $10,662,558
2 20 $48,328 $19,104 $29,225 $10,633,333
2 21 $48,328 $19,051 $29,277 $10,604,057
2 22 $48,328 $18,999 $29,329 $10,574,727
2 23 $48,328 $18,946 $29,382 $10,545,345
2 24 $48,328 $18,894 $29,435 $10,515,911
3 25 $48,328 $18,841 $29,487 $10,486,423
3 26 $48,328 $18,788 $29,540 $10,456,883
3 27 $48,328 $18,735 $29,593 $10,427,290
3 28 $48,328 $18,682 $29,646 $10,397,644
3 29 $48,328 $18,629 $29,699 $10,367,945
3 30 $48,328 $18,576 $29,752 $10,338,192
3 31 $48,328 $18,523 $29,806 $10,308,387
3 32 $48,328 $18,469 $29,859 $10,278,527
3 33 $48,328 $18,416 $29,913 $10,248,615
3 34 $48,328 $18,362 $29,966 $10,218,649
3 35 $48,328 $18,308 $30,020 $10,188,629
3 36 $48,328 $18,255 $30,074 $10,158,555
4 37 $48,328 $18,201 $30,128 $10,128,427
4 38 $48,328 $18,147 $30,182 $10,098,246
4 39 $48,328 $18,093 $30,236 $10,068,010
4 40 $48,328 $18,039 $30,290 $10,037,720
4 41 $48,328 $17,984 $30,344 $10,007,376
4 42 $48,328 $17,930 $30,398 $9,976,978
4 43 $48,328 $17,875 $30,453 $9,946,525
4 44 $48,328 $17,821 $30,507 $9,916,018
4 45 $48,328 $17,766 $30,562 $9,885,455
4 46 $48,328 $17,711 $30,617 $9,854,839
4 47 $48,328 $17,657 $30,672 $9,824,167
4 48 $48,328 $17,602 $30,727 $9,793,440
5 49 $48,328 $17,547 $30,782 $9,762,658
5 50 $48,328 $17,491 $30,837 $9,731,821
5 51 $48,328 $17,436 $30,892 $9,700,929
5 52 $48,328 $17,381 $30,947 $9,669,982
5 53 $48,328 $17,325 $31,003 $9,638,979
5 54 $48,328 $17,270 $31,058 $9,607,920
5 55 $48,328 $17,214 $31,114 $9,576,806
5 56 $48,328 $17,158 $31,170 $9,545,636
5 57 $48,328 $17,103 $31,226 $9,514,411
5 58 $48,328 $17,047 $31,282 $9,483,129
5 59 $48,328 $16,991 $31,338 $9,451,791
5 60 $48,328 $16,934 $31,394 $9,420,397
6 61 $48,328 $16,878 $31,450 $9,388,947
6 62 $48,328 $16,822 $31,506 $9,357,441
6 63 $48,328 $16,765 $31,563 $9,325,878
6 64 $48,328 $16,709 $31,619 $9,294,258
6 65 $48,328 $16,652 $31,676 $9,262,582
6 66 $48,328 $16,595 $31,733 $9,230,849
6 67 $48,328 $16,539 $31,790 $9,199,060
6 68 $48,328 $16,482 $31,847 $9,167,213
6 69 $48,328 $16,425 $31,904 $9,135,309
6 70 $48,328 $16,367 $31,961 $9,103,348
6 71 $48,328 $16,310 $32,018 $9,071,330
6 72 $48,328 $16,253 $32,076 $9,039,255
7 73 $48,328 $16,195 $32,133 $9,007,122
7 74 $48,328 $16,138 $32,191 $8,974,931
7 75 $48,328 $16,080 $32,248 $8,942,683
7 76 $48,328 $16,022 $32,306 $8,910,377
7 77 $48,328 $15,964 $32,364 $8,878,013
7 78 $48,328 $15,906 $32,422 $8,845,591
7 79 $48,328 $15,848 $32,480 $8,813,111
7 80 $48,328 $15,790 $32,538 $8,780,573
7 81 $48,328 $15,732 $32,596 $8,747,977
7 82 $48,328 $15,673 $32,655 $8,715,322
7 83 $48,328 $15,615 $32,713 $8,682,608
7 84 $48,328 $15,556 $32,772 $8,649,836
8 85 $48,328 $15,498 $32,831 $8,617,006
8 86 $48,328 $15,439 $32,890 $8,584,116
8 87 $48,328 $15,380 $32,948 $8,551,168
8 88 $48,328 $15,321 $33,007 $8,518,160
8 89 $48,328 $15,262 $33,067 $8,485,094
8 90 $48,328 $15,202 $33,126 $8,451,968
8 91 $48,328 $15,143 $33,185 $8,418,782
8 92 $48,328 $15,084 $33,245 $8,385,538
8 93 $48,328 $15,024 $33,304 $8,352,234
8 94 $48,328 $14,964 $33,364 $8,318,870
8 95 $48,328 $14,905 $33,424 $8,285,446
8 96 $48,328 $14,845 $33,484 $8,251,962
9 97 $48,328 $14,785 $33,544 $8,218,419
9 98 $48,328 $14,725 $33,604 $8,184,815
9 99 $48,328 $14,664 $33,664 $8,151,151
9 100 $48,328 $14,604 $33,724 $8,117,427
9 101 $48,328 $14,544 $33,785 $8,083,643
9 102 $48,328 $14,483 $33,845 $8,049,797
9 103 $48,328 $14,423 $33,906 $8,015,892
9 104 $48,328 $14,362 $33,967 $7,981,925
9 105 $48,328 $14,301 $34,027 $7,947,898
9 106 $48,328 $14,240 $34,088 $7,913,809
9 107 $48,328 $14,179 $34,149 $7,879,660
9 108 $48,328 $14,118 $34,211 $7,845,449
10 109 $48,328 $14,056 $34,272 $7,811,177
10 110 $48,328 $13,995 $34,333 $7,776,844
10 111 $48,328 $13,934 $34,395 $7,742,449
10 112 $48,328 $13,872 $34,456 $7,707,993
10 113 $48,328 $13,810 $34,518 $7,673,475
10 114 $48,328 $13,748 $34,580 $7,638,895
10 115 $48,328 $13,686 $34,642 $7,604,253
10 116 $48,328 $13,624 $34,704 $7,569,549
10 117 $48,328 $13,562 $34,766 $7,534,783
10 118 $48,328 $13,500 $34,829 $7,499,954
10 119 $48,328 $13,437 $34,891 $7,465,063
10 120 $48,328 $13,375 $34,953 $7,430,110
11 121 $48,328 $13,312 $35,016 $7,395,094
11 122 $48,328 $13,250 $35,079 $7,360,015
11 123 $48,328 $13,187 $35,142 $7,324,873
11 124 $48,328 $13,124 $35,205 $7,289,669
11 125 $48,328 $13,061 $35,268 $7,254,401
11 126 $48,328 $12,997 $35,331 $7,219,070
11 127 $48,328 $12,934 $35,394 $7,183,676
11 128 $48,328 $12,871 $35,458 $7,148,218
11 129 $48,328 $12,807 $35,521 $7,112,697
11 130 $48,328 $12,744 $35,585 $7,077,113
11 131 $48,328 $12,680 $35,648 $7,041,464
11 132 $48,328 $12,616 $35,712 $7,005,752
12 133 $48,328 $12,552 $35,776 $6,969,975
12 134 $48,328 $12,488 $35,840 $6,934,135
12 135 $48,328 $12,424 $35,905 $6,898,230
12 136 $48,328 $12,359 $35,969 $6,862,261
12 137 $48,328 $12,295 $36,033 $6,826,228
12 138 $48,328 $12,230 $36,098 $6,790,130
12 139 $48,328 $12,166 $36,163 $6,753,967
12 140 $48,328 $12,101 $36,227 $6,717,740
12 141 $48,328 $12,036 $36,292 $6,681,447
12 142 $48,328 $11,971 $36,357 $6,645,090
12 143 $48,328 $11,906 $36,423 $6,608,667
12 144 $48,328 $11,841 $36,488 $6,572,180
13 145 $48,328 $11,775 $36,553 $6,535,626
13 146 $48,328 $11,710 $36,619 $6,499,008
13 147 $48,328 $11,644 $36,684 $6,462,323
13 148 $48,328 $11,578 $36,750 $6,425,573
13 149 $48,328 $11,512 $36,816 $6,388,758
13 150 $48,328 $11,447 $36,882 $6,351,876
13 151 $48,328 $11,380 $36,948 $6,314,928
13 152 $48,328 $11,314 $37,014 $6,277,914
13 153 $48,328 $11,248 $37,080 $6,240,833
13 154 $48,328 $11,181 $37,147 $6,203,687
13 155 $48,328 $11,115 $37,213 $6,166,473
13 156 $48,328 $11,048 $37,280 $6,129,193
14 157 $48,328 $10,981 $37,347 $6,091,846
14 158 $48,328 $10,915 $37,414 $6,054,433
14 159 $48,328 $10,848 $37,481 $6,016,952
14 160 $48,328 $10,780 $37,548 $5,979,404
14 161 $48,328 $10,713 $37,615 $5,941,789
14 162 $48,328 $10,646 $37,683 $5,904,106
14 163 $48,328 $10,578 $37,750 $5,866,356
14 164 $48,328 $10,511 $37,818 $5,828,538
14 165 $48,328 $10,443 $37,886 $5,790,652
14 166 $48,328 $10,375 $37,953 $5,752,699
14 167 $48,328 $10,307 $38,021 $5,714,678
14 168 $48,328 $10,239 $38,090 $5,676,588
15 169 $48,328 $10,171 $38,158 $5,638,430
15 170 $48,328 $10,102 $38,226 $5,600,204
15 171 $48,328 $10,034 $38,295 $5,561,910
15 172 $48,328 $9,965 $38,363 $5,523,546
15 173 $48,328 $9,896 $38,432 $5,485,114
15 174 $48,328 $9,827 $38,501 $5,446,614
15 175 $48,328 $9,759 $38,570 $5,408,044
15 176 $48,328 $9,689 $38,639 $5,369,405
15 177 $48,328 $9,620 $38,708 $5,330,697
15 178 $48,328 $9,551 $38,777 $5,291,919
15 179 $48,328 $9,481 $38,847 $5,253,072
15 180 $48,328 $9,412 $38,917 $5,214,156
16 181 $48,328 $9,342 $38,986 $5,175,169
16 182 $48,328 $9,272 $39,056 $5,136,113
16 183 $48,328 $9,202 $39,126 $5,096,987
16 184 $48,328 $9,132 $39,196 $5,057,791
16 185 $48,328 $9,062 $39,266 $5,018,524
16 186 $48,328 $8,992 $39,337 $4,979,188
16 187 $48,328 $8,921 $39,407 $4,939,780
16 188 $48,328 $8,850 $39,478 $4,900,302
16 189 $48,328 $8,780 $39,549 $4,860,754
16 190 $48,328 $8,709 $39,619 $4,821,134
16 191 $48,328 $8,638 $39,690 $4,781,444
16 192 $48,328 $8,567 $39,762 $4,741,682
17 193 $48,328 $8,496 $39,833 $4,701,850
17 194 $48,328 $8,424 $39,904 $4,661,945
17 195 $48,328 $8,353 $39,976 $4,621,970
17 196 $48,328 $8,281 $40,047 $4,581,922
17 197 $48,328 $8,209 $40,119 $4,541,803
17 198 $48,328 $8,137 $40,191 $4,501,612
17 199 $48,328 $8,065 $40,263 $4,461,349
17 200 $48,328 $7,993 $40,335 $4,421,014
17 201 $48,328 $7,921 $40,407 $4,380,607
17 202 $48,328 $7,849 $40,480 $4,340,127
17 203 $48,328 $7,776 $40,552 $4,299,575
17 204 $48,328 $7,703 $40,625 $4,258,950
18 205 $48,328 $7,631 $40,698 $4,218,252
18 206 $48,328 $7,558 $40,771 $4,177,482
18 207 $48,328 $7,485 $40,844 $4,136,638
18 208 $48,328 $7,411 $40,917 $4,095,721
18 209 $48,328 $7,338 $40,990 $4,054,731
18 210 $48,328 $7,265 $41,064 $4,013,668
18 211 $48,328 $7,191 $41,137 $3,972,530
18 212 $48,328 $7,117 $41,211 $3,931,319
18 213 $48,328 $7,044 $41,285 $3,890,035
18 214 $48,328 $6,970 $41,359 $3,848,676
18 215 $48,328 $6,896 $41,433 $3,807,243
18 216 $48,328 $6,821 $41,507 $3,765,736
19 217 $48,328 $6,747 $41,581 $3,724,155
19 218 $48,328 $6,672 $41,656 $3,682,499
19 219 $48,328 $6,598 $41,731 $3,640,769
19 220 $48,328 $6,523 $41,805 $3,598,963
19 221 $48,328 $6,448 $41,880 $3,557,083
19 222 $48,328 $6,373 $41,955 $3,515,128
19 223 $48,328 $6,298 $42,030 $3,473,097
19 224 $48,328 $6,223 $42,106 $3,430,992
19 225 $48,328 $6,147 $42,181 $3,388,811
19 226 $48,328 $6,072 $42,257 $3,346,554
19 227 $48,328 $5,996 $42,332 $3,304,222
19 228 $48,328 $5,920 $42,408 $3,261,813
20 229 $48,328 $5,844 $42,484 $3,219,329
20 230 $48,328 $5,768 $42,560 $3,176,769
20 231 $48,328 $5,692 $42,637 $3,134,132
20 232 $48,328 $5,615 $42,713 $3,091,419
20 233 $48,328 $5,539 $42,790 $3,048,630
20 234 $48,328 $5,462 $42,866 $3,005,763
20 235 $48,328 $5,385 $42,943 $2,962,820
20 236 $48,328 $5,308 $43,020 $2,919,800
20 237 $48,328 $5,231 $43,097 $2,876,703
20 238 $48,328 $5,154 $43,174 $2,833,529
20 239 $48,328 $5,077 $43,252 $2,790,278
20 240 $48,328 $4,999 $43,329 $2,746,948
21 241 $48,328 $4,922 $43,407 $2,703,542
21 242 $48,328 $4,844 $43,484 $2,660,057
21 243 $48,328 $4,766 $43,562 $2,616,495
21 244 $48,328 $4,688 $43,640 $2,572,854
21 245 $48,328 $4,610 $43,719 $2,529,136
21 246 $48,328 $4,531 $43,797 $2,485,339
21 247 $48,328 $4,453 $43,875 $2,441,463
21 248 $48,328 $4,374 $43,954 $2,397,509
21 249 $48,328 $4,296 $44,033 $2,353,477
21 250 $48,328 $4,217 $44,112 $2,309,365
21 251 $48,328 $4,138 $44,191 $2,265,174
21 252 $48,328 $4,058 $44,270 $2,220,904
22 253 $48,328 $3,979 $44,349 $2,176,555
22 254 $48,328 $3,900 $44,429 $2,132,126
22 255 $48,328 $3,820 $44,508 $2,087,618
22 256 $48,328 $3,740 $44,588 $2,043,030
22 257 $48,328 $3,660 $44,668 $1,998,362
22 258 $48,328 $3,580 $44,748 $1,953,614
22 259 $48,328 $3,500 $44,828 $1,908,786
22 260 $48,328 $3,420 $44,908 $1,863,878
22 261 $48,328 $3,339 $44,989 $1,818,889
22 262 $48,328 $3,259 $45,069 $1,773,819
22 263 $48,328 $3,178 $45,150 $1,728,669
22 264 $48,328 $3,097 $45,231 $1,683,438
23 265 $48,328 $3,016 $45,312 $1,638,126
23 266 $48,328 $2,935 $45,393 $1,592,733
23 267 $48,328 $2,854 $45,475 $1,547,258
23 268 $48,328 $2,772 $45,556 $1,501,702
23 269 $48,328 $2,691 $45,638 $1,456,064
23 270 $48,328 $2,609 $45,720 $1,410,344
23 271 $48,328 $2,527 $45,801 $1,364,543
23 272 $48,328 $2,445 $45,884 $1,318,659
23 273 $48,328 $2,363 $45,966 $1,272,694
23 274 $48,328 $2,280 $46,048 $1,226,646
23 275 $48,328 $2,198 $46,131 $1,180,515
23 276 $48,328 $2,115 $46,213 $1,134,302
24 277 $48,328 $2,032 $46,296 $1,088,006
24 278 $48,328 $1,949 $46,379 $1,041,627
24 279 $48,328 $1,866 $46,462 $995,165
24 280 $48,328 $1,783 $46,545 $948,619
24 281 $48,328 $1,700 $46,629 $901,991
24 282 $48,328 $1,616 $46,712 $855,278
24 283 $48,328 $1,532 $46,796 $808,483
24 284 $48,328 $1,449 $46,880 $761,603
24 285 $48,328 $1,365 $46,964 $714,639
24 286 $48,328 $1,280 $47,048 $667,591
24 287 $48,328 $1,196 $47,132 $620,459
24 288 $48,328 $1,112 $47,217 $573,242
25 289 $48,328 $1,027 $47,301 $525,941
25 290 $48,328 $942 $47,386 $478,555
25 291 $48,328 $857 $47,471 $431,084
25 292 $48,328 $772 $47,556 $383,528
25 293 $48,328 $687 $47,641 $335,887
25 294 $48,328 $602 $47,727 $288,160
25 295 $48,328 $516 $47,812 $240,348
25 296 $48,328 $431 $47,898 $192,451
25 297 $48,328 $345 $47,984 $144,467
25 298 $48,328 $259 $48,069 $96,398
25 299 $48,328 $173 $48,156 $48,242
25 300 $48,328 $86 $48,242 $0