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$ 6,120,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 6,273,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$6,120,000
 
Monthly Repayment (HKD)
$39,584
Loan Amount (HKD)
$9,180,000
+
Total Interest (HKD)
$2,695,108
=
Total Repayment (HKD)
$11,875,108
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $39,584 $16,448 $23,136 $9,156,864
1 2 $39,584 $16,406 $23,178 $9,133,686
1 3 $39,584 $16,365 $23,219 $9,110,467
1 4 $39,584 $16,323 $23,261 $9,087,206
1 5 $39,584 $16,281 $23,302 $9,063,904
1 6 $39,584 $16,239 $23,344 $9,040,560
1 7 $39,584 $16,198 $23,386 $9,017,174
1 8 $39,584 $16,156 $23,428 $8,993,746
1 9 $39,584 $16,114 $23,470 $8,970,276
1 10 $39,584 $16,072 $23,512 $8,946,764
1 11 $39,584 $16,030 $23,554 $8,923,210
1 12 $39,584 $15,987 $23,596 $8,899,613
2 13 $39,584 $15,945 $23,639 $8,875,975
2 14 $39,584 $15,903 $23,681 $8,852,294
2 15 $39,584 $15,860 $23,723 $8,828,571
2 16 $39,584 $15,818 $23,766 $8,804,805
2 17 $39,584 $15,775 $23,808 $8,780,996
2 18 $39,584 $15,733 $23,851 $8,757,145
2 19 $39,584 $15,690 $23,894 $8,733,252
2 20 $39,584 $15,647 $23,937 $8,709,315
2 21 $39,584 $15,604 $23,980 $8,685,335
2 22 $39,584 $15,561 $24,022 $8,661,313
2 23 $39,584 $15,518 $24,066 $8,637,247
2 24 $39,584 $15,475 $24,109 $8,613,139
3 25 $39,584 $15,432 $24,152 $8,588,987
3 26 $39,584 $15,389 $24,195 $8,564,792
3 27 $39,584 $15,345 $24,238 $8,540,553
3 28 $39,584 $15,302 $24,282 $8,516,272
3 29 $39,584 $15,258 $24,325 $8,491,946
3 30 $39,584 $15,215 $24,369 $8,467,577
3 31 $39,584 $15,171 $24,413 $8,443,165
3 32 $39,584 $15,127 $24,456 $8,418,708
3 33 $39,584 $15,084 $24,500 $8,394,208
3 34 $39,584 $15,040 $24,544 $8,369,664
3 35 $39,584 $14,996 $24,588 $8,345,076
3 36 $39,584 $14,952 $24,632 $8,320,444
4 37 $39,584 $14,907 $24,676 $8,295,768
4 38 $39,584 $14,863 $24,720 $8,271,047
4 39 $39,584 $14,819 $24,765 $8,246,282
4 40 $39,584 $14,775 $24,809 $8,221,473
4 41 $39,584 $14,730 $24,854 $8,196,620
4 42 $39,584 $14,686 $24,898 $8,171,722
4 43 $39,584 $14,641 $24,943 $8,146,779
4 44 $39,584 $14,596 $24,987 $8,121,792
4 45 $39,584 $14,552 $25,032 $8,096,760
4 46 $39,584 $14,507 $25,077 $8,071,683
4 47 $39,584 $14,462 $25,122 $8,046,561
4 48 $39,584 $14,417 $25,167 $8,021,394
5 49 $39,584 $14,372 $25,212 $7,996,182
5 50 $39,584 $14,326 $25,257 $7,970,924
5 51 $39,584 $14,281 $25,302 $7,945,622
5 52 $39,584 $14,236 $25,348 $7,920,274
5 53 $39,584 $14,190 $25,393 $7,894,881
5 54 $39,584 $14,145 $25,439 $7,869,442
5 55 $39,584 $14,099 $25,484 $7,843,958
5 56 $39,584 $14,054 $25,530 $7,818,428
5 57 $39,584 $14,008 $25,576 $7,792,852
5 58 $39,584 $13,962 $25,621 $7,767,231
5 59 $39,584 $13,916 $25,667 $7,741,564
5 60 $39,584 $13,870 $25,713 $7,715,850
6 61 $39,584 $13,824 $25,759 $7,690,091
6 62 $39,584 $13,778 $25,806 $7,664,285
6 63 $39,584 $13,732 $25,852 $7,638,433
6 64 $39,584 $13,686 $25,898 $7,612,535
6 65 $39,584 $13,639 $25,945 $7,586,590
6 66 $39,584 $13,593 $25,991 $7,560,599
6 67 $39,584 $13,546 $26,038 $7,534,562
6 68 $39,584 $13,499 $26,084 $7,508,478
6 69 $39,584 $13,453 $26,131 $7,482,347
6 70 $39,584 $13,406 $26,178 $7,456,169
6 71 $39,584 $13,359 $26,225 $7,429,944
6 72 $39,584 $13,312 $26,272 $7,403,672
7 73 $39,584 $13,265 $26,319 $7,377,353
7 74 $39,584 $13,218 $26,366 $7,350,988
7 75 $39,584 $13,171 $26,413 $7,324,574
7 76 $39,584 $13,123 $26,460 $7,298,114
7 77 $39,584 $13,076 $26,508 $7,271,606
7 78 $39,584 $13,028 $26,555 $7,245,051
7 79 $39,584 $12,981 $26,603 $7,218,448
7 80 $39,584 $12,933 $26,651 $7,191,797
7 81 $39,584 $12,885 $26,698 $7,165,099
7 82 $39,584 $12,837 $26,746 $7,138,352
7 83 $39,584 $12,790 $26,794 $7,111,558
7 84 $39,584 $12,742 $26,842 $7,084,716
8 85 $39,584 $12,693 $26,890 $7,057,826
8 86 $39,584 $12,645 $26,938 $7,030,887
8 87 $39,584 $12,597 $26,987 $7,003,901
8 88 $39,584 $12,549 $27,035 $6,976,866
8 89 $39,584 $12,500 $27,083 $6,949,782
8 90 $39,584 $12,452 $27,132 $6,922,650
8 91 $39,584 $12,403 $27,181 $6,895,470
8 92 $39,584 $12,354 $27,229 $6,868,240
8 93 $39,584 $12,306 $27,278 $6,840,962
8 94 $39,584 $12,257 $27,327 $6,813,635
8 95 $39,584 $12,208 $27,376 $6,786,259
8 96 $39,584 $12,159 $27,425 $6,758,834
9 97 $39,584 $12,110 $27,474 $6,731,360
9 98 $39,584 $12,060 $27,523 $6,703,837
9 99 $39,584 $12,011 $27,573 $6,676,264
9 100 $39,584 $11,962 $27,622 $6,648,642
9 101 $39,584 $11,912 $27,672 $6,620,971
9 102 $39,584 $11,863 $27,721 $6,593,249
9 103 $39,584 $11,813 $27,771 $6,565,479
9 104 $39,584 $11,763 $27,821 $6,537,658
9 105 $39,584 $11,713 $27,870 $6,509,788
9 106 $39,584 $11,663 $27,920 $6,481,867
9 107 $39,584 $11,613 $27,970 $6,453,897
9 108 $39,584 $11,563 $28,020 $6,425,877
10 109 $39,584 $11,513 $28,071 $6,397,806
10 110 $39,584 $11,463 $28,121 $6,369,685
10 111 $39,584 $11,412 $28,171 $6,341,514
10 112 $39,584 $11,362 $28,222 $6,313,292
10 113 $39,584 $11,311 $28,272 $6,285,019
10 114 $39,584 $11,261 $28,323 $6,256,696
10 115 $39,584 $11,210 $28,374 $6,228,323
10 116 $39,584 $11,159 $28,425 $6,199,898
10 117 $39,584 $11,108 $28,476 $6,171,423
10 118 $39,584 $11,057 $28,527 $6,142,896
10 119 $39,584 $11,006 $28,578 $6,114,318
10 120 $39,584 $10,955 $28,629 $6,085,689
11 121 $39,584 $10,904 $28,680 $6,057,009
11 122 $39,584 $10,852 $28,732 $6,028,278
11 123 $39,584 $10,801 $28,783 $5,999,495
11 124 $39,584 $10,749 $28,835 $5,970,660
11 125 $39,584 $10,697 $28,886 $5,941,774
11 126 $39,584 $10,646 $28,938 $5,912,836
11 127 $39,584 $10,594 $28,990 $5,883,846
11 128 $39,584 $10,542 $29,042 $5,854,804
11 129 $39,584 $10,490 $29,094 $5,825,710
11 130 $39,584 $10,438 $29,146 $5,796,564
11 131 $39,584 $10,386 $29,198 $5,767,366
11 132 $39,584 $10,333 $29,250 $5,738,116
12 133 $39,584 $10,281 $29,303 $5,708,813
12 134 $39,584 $10,228 $29,355 $5,679,457
12 135 $39,584 $10,176 $29,408 $5,650,049
12 136 $39,584 $10,123 $29,461 $5,620,589
12 137 $39,584 $10,070 $29,513 $5,591,075
12 138 $39,584 $10,017 $29,566 $5,561,509
12 139 $39,584 $9,964 $29,619 $5,531,890
12 140 $39,584 $9,911 $29,672 $5,502,217
12 141 $39,584 $9,858 $29,726 $5,472,492
12 142 $39,584 $9,805 $29,779 $5,442,713
12 143 $39,584 $9,752 $29,832 $5,412,881
12 144 $39,584 $9,698 $29,886 $5,382,995
13 145 $39,584 $9,645 $29,939 $5,353,056
13 146 $39,584 $9,591 $29,993 $5,323,063
13 147 $39,584 $9,537 $30,047 $5,293,016
13 148 $39,584 $9,483 $30,100 $5,262,916
13 149 $39,584 $9,429 $30,154 $5,232,762
13 150 $39,584 $9,375 $30,208 $5,202,553
13 151 $39,584 $9,321 $30,262 $5,172,291
13 152 $39,584 $9,267 $30,317 $5,141,974
13 153 $39,584 $9,213 $30,371 $5,111,603
13 154 $39,584 $9,158 $30,425 $5,081,178
13 155 $39,584 $9,104 $30,480 $5,050,698
13 156 $39,584 $9,049 $30,535 $5,020,164
14 157 $39,584 $8,994 $30,589 $4,989,574
14 158 $39,584 $8,940 $30,644 $4,958,930
14 159 $39,584 $8,885 $30,699 $4,928,231
14 160 $39,584 $8,830 $30,754 $4,897,477
14 161 $39,584 $8,775 $30,809 $4,866,668
14 162 $39,584 $8,719 $30,864 $4,835,804
14 163 $39,584 $8,664 $30,920 $4,804,885
14 164 $39,584 $8,609 $30,975 $4,773,910
14 165 $39,584 $8,553 $31,030 $4,742,879
14 166 $39,584 $8,498 $31,086 $4,711,793
14 167 $39,584 $8,442 $31,142 $4,680,651
14 168 $39,584 $8,386 $31,198 $4,649,454
15 169 $39,584 $8,330 $31,253 $4,618,200
15 170 $39,584 $8,274 $31,309 $4,586,891
15 171 $39,584 $8,218 $31,366 $4,555,526
15 172 $39,584 $8,162 $31,422 $4,524,104
15 173 $39,584 $8,106 $31,478 $4,492,626
15 174 $39,584 $8,049 $31,534 $4,461,091
15 175 $39,584 $7,993 $31,591 $4,429,501
15 176 $39,584 $7,936 $31,648 $4,397,853
15 177 $39,584 $7,879 $31,704 $4,366,149
15 178 $39,584 $7,823 $31,761 $4,334,388
15 179 $39,584 $7,766 $31,818 $4,302,570
15 180 $39,584 $7,709 $31,875 $4,270,695
16 181 $39,584 $7,652 $31,932 $4,238,763
16 182 $39,584 $7,594 $31,989 $4,206,774
16 183 $39,584 $7,537 $32,047 $4,174,727
16 184 $39,584 $7,480 $32,104 $4,142,623
16 185 $39,584 $7,422 $32,161 $4,110,462
16 186 $39,584 $7,365 $32,219 $4,078,243
16 187 $39,584 $7,307 $32,277 $4,045,966
16 188 $39,584 $7,249 $32,335 $4,013,631
16 189 $39,584 $7,191 $32,393 $3,981,238
16 190 $39,584 $7,133 $32,451 $3,948,788
16 191 $39,584 $7,075 $32,509 $3,916,279
16 192 $39,584 $7,017 $32,567 $3,883,712
17 193 $39,584 $6,958 $32,625 $3,851,087
17 194 $39,584 $6,900 $32,684 $3,818,403
17 195 $39,584 $6,841 $32,742 $3,785,660
17 196 $39,584 $6,783 $32,801 $3,752,859
17 197 $39,584 $6,724 $32,860 $3,720,000
17 198 $39,584 $6,665 $32,919 $3,687,081
17 199 $39,584 $6,606 $32,978 $3,654,103
17 200 $39,584 $6,547 $33,037 $3,621,066
17 201 $39,584 $6,488 $33,096 $3,587,970
17 202 $39,584 $6,428 $33,155 $3,554,815
17 203 $39,584 $6,369 $33,215 $3,521,601
17 204 $39,584 $6,310 $33,274 $3,488,326
18 205 $39,584 $6,250 $33,334 $3,454,993
18 206 $39,584 $6,190 $33,393 $3,421,599
18 207 $39,584 $6,130 $33,453 $3,388,146
18 208 $39,584 $6,070 $33,513 $3,354,633
18 209 $39,584 $6,010 $33,573 $3,321,059
18 210 $39,584 $5,950 $33,633 $3,287,426
18 211 $39,584 $5,890 $33,694 $3,253,732
18 212 $39,584 $5,830 $33,754 $3,219,978
18 213 $39,584 $5,769 $33,815 $3,186,163
18 214 $39,584 $5,709 $33,875 $3,152,288
18 215 $39,584 $5,648 $33,936 $3,118,352
18 216 $39,584 $5,587 $33,997 $3,084,356
19 217 $39,584 $5,526 $34,058 $3,050,298
19 218 $39,584 $5,465 $34,119 $3,016,180
19 219 $39,584 $5,404 $34,180 $2,982,000
19 220 $39,584 $5,343 $34,241 $2,947,759
19 221 $39,584 $5,281 $34,302 $2,913,457
19 222 $39,584 $5,220 $34,364 $2,879,093
19 223 $39,584 $5,158 $34,425 $2,844,668
19 224 $39,584 $5,097 $34,487 $2,810,181
19 225 $39,584 $5,035 $34,549 $2,775,632
19 226 $39,584 $4,973 $34,611 $2,741,021
19 227 $39,584 $4,911 $34,673 $2,706,348
19 228 $39,584 $4,849 $34,735 $2,671,614
20 229 $39,584 $4,787 $34,797 $2,636,817
20 230 $39,584 $4,724 $34,859 $2,601,957
20 231 $39,584 $4,662 $34,922 $2,567,035
20 232 $39,584 $4,599 $34,984 $2,532,051
20 233 $39,584 $4,537 $35,047 $2,497,004
20 234 $39,584 $4,474 $35,110 $2,461,894
20 235 $39,584 $4,411 $35,173 $2,426,721
20 236 $39,584 $4,348 $35,236 $2,391,485
20 237 $39,584 $4,285 $35,299 $2,356,186
20 238 $39,584 $4,222 $35,362 $2,320,824
20 239 $39,584 $4,158 $35,426 $2,285,399
20 240 $39,584 $4,095 $35,489 $2,249,910
21 241 $39,584 $4,031 $35,553 $2,214,357
21 242 $39,584 $3,967 $35,616 $2,178,741
21 243 $39,584 $3,904 $35,680 $2,143,061
21 244 $39,584 $3,840 $35,744 $2,107,317
21 245 $39,584 $3,776 $35,808 $2,071,508
21 246 $39,584 $3,711 $35,872 $2,035,636
21 247 $39,584 $3,647 $35,937 $1,999,700
21 248 $39,584 $3,583 $36,001 $1,963,699
21 249 $39,584 $3,518 $36,065 $1,927,633
21 250 $39,584 $3,454 $36,130 $1,891,503
21 251 $39,584 $3,389 $36,195 $1,855,309
21 252 $39,584 $3,324 $36,260 $1,819,049
22 253 $39,584 $3,259 $36,325 $1,782,724
22 254 $39,584 $3,194 $36,390 $1,746,335
22 255 $39,584 $3,129 $36,455 $1,709,880
22 256 $39,584 $3,064 $36,520 $1,673,360
22 257 $39,584 $2,998 $36,586 $1,636,774
22 258 $39,584 $2,933 $36,651 $1,600,123
22 259 $39,584 $2,867 $36,717 $1,563,406
22 260 $39,584 $2,801 $36,783 $1,526,624
22 261 $39,584 $2,735 $36,848 $1,489,775
22 262 $39,584 $2,669 $36,915 $1,452,861
22 263 $39,584 $2,603 $36,981 $1,415,880
22 264 $39,584 $2,537 $37,047 $1,378,833
23 265 $39,584 $2,470 $37,113 $1,341,720
23 266 $39,584 $2,404 $37,180 $1,304,540
23 267 $39,584 $2,337 $37,246 $1,267,294
23 268 $39,584 $2,271 $37,313 $1,229,981
23 269 $39,584 $2,204 $37,380 $1,192,601
23 270 $39,584 $2,137 $37,447 $1,155,154
23 271 $39,584 $2,070 $37,514 $1,117,640
23 272 $39,584 $2,002 $37,581 $1,080,058
23 273 $39,584 $1,935 $37,649 $1,042,410
23 274 $39,584 $1,868 $37,716 $1,004,694
23 275 $39,584 $1,800 $37,784 $966,910
23 276 $39,584 $1,732 $37,851 $929,059
24 277 $39,584 $1,665 $37,919 $891,140
24 278 $39,584 $1,597 $37,987 $853,153
24 279 $39,584 $1,529 $38,055 $815,097
24 280 $39,584 $1,460 $38,123 $776,974
24 281 $39,584 $1,392 $38,192 $738,783
24 282 $39,584 $1,324 $38,260 $700,523
24 283 $39,584 $1,255 $38,329 $662,194
24 284 $39,584 $1,186 $38,397 $623,797
24 285 $39,584 $1,118 $38,466 $585,331
24 286 $39,584 $1,049 $38,535 $546,796
24 287 $39,584 $980 $38,604 $508,192
24 288 $39,584 $911 $38,673 $469,518
25 289 $39,584 $841 $38,742 $430,776
25 290 $39,584 $772 $38,812 $391,964
25 291 $39,584 $702 $38,881 $353,083
25 292 $39,584 $633 $38,951 $314,132
25 293 $39,584 $563 $39,021 $275,111
25 294 $39,584 $493 $39,091 $236,020
25 295 $39,584 $423 $39,161 $196,859
25 296 $39,584 $353 $39,231 $157,628
25 297 $39,584 $282 $39,301 $118,327
25 298 $39,584 $212 $39,372 $78,955
25 299 $39,584 $141 $39,442 $39,513
25 300 $39,584 $71 $39,513 $0