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Mortgage & Stamp Duty Calculator
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$ 12,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 12,710,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$12,400,000
 
Monthly Repayment (HKD)
$80,202
Loan Amount (HKD)
$18,600,000
+
Total Interest (HKD)
$5,460,676
=
Total Repayment (HKD)
$24,060,676
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $80,202 $33,325 $46,877 $18,553,123
1 2 $80,202 $33,241 $46,961 $18,506,162
1 3 $80,202 $33,157 $47,045 $18,459,116
1 4 $80,202 $33,073 $47,130 $18,411,986
1 5 $80,202 $32,988 $47,214 $18,364,772
1 6 $80,202 $32,904 $47,299 $18,317,474
1 7 $80,202 $32,819 $47,383 $18,270,090
1 8 $80,202 $32,734 $47,468 $18,222,622
1 9 $80,202 $32,649 $47,553 $18,175,068
1 10 $80,202 $32,564 $47,639 $18,127,430
1 11 $80,202 $32,478 $47,724 $18,079,706
1 12 $80,202 $32,393 $47,809 $18,031,896
2 13 $80,202 $32,307 $47,895 $17,984,001
2 14 $80,202 $32,221 $47,981 $17,936,020
2 15 $80,202 $32,135 $48,067 $17,887,954
2 16 $80,202 $32,049 $48,153 $17,839,801
2 17 $80,202 $31,963 $48,239 $17,791,561
2 18 $80,202 $31,877 $48,326 $17,743,236
2 19 $80,202 $31,790 $48,412 $17,694,823
2 20 $80,202 $31,703 $48,499 $17,646,324
2 21 $80,202 $31,616 $48,586 $17,597,738
2 22 $80,202 $31,529 $48,673 $17,549,065
2 23 $80,202 $31,442 $48,760 $17,500,305
2 24 $80,202 $31,355 $48,848 $17,451,458
3 25 $80,202 $31,267 $48,935 $17,402,523
3 26 $80,202 $31,180 $49,023 $17,353,500
3 27 $80,202 $31,092 $49,111 $17,304,389
3 28 $80,202 $31,004 $49,199 $17,255,191
3 29 $80,202 $30,916 $49,287 $17,205,904
3 30 $80,202 $30,827 $49,375 $17,156,529
3 31 $80,202 $30,739 $49,463 $17,107,066
3 32 $80,202 $30,650 $49,552 $17,057,513
3 33 $80,202 $30,561 $49,641 $17,007,873
3 34 $80,202 $30,472 $49,730 $16,958,143
3 35 $80,202 $30,383 $49,819 $16,908,324
3 36 $80,202 $30,294 $49,908 $16,858,416
4 37 $80,202 $30,205 $49,998 $16,808,418
4 38 $80,202 $30,115 $50,087 $16,758,331
4 39 $80,202 $30,025 $50,177 $16,708,154
4 40 $80,202 $29,935 $50,267 $16,657,887
4 41 $80,202 $29,845 $50,357 $16,607,530
4 42 $80,202 $29,755 $50,447 $16,557,083
4 43 $80,202 $29,665 $50,537 $16,506,546
4 44 $80,202 $29,574 $50,628 $16,455,918
4 45 $80,202 $29,484 $50,719 $16,405,199
4 46 $80,202 $29,393 $50,810 $16,354,389
4 47 $80,202 $29,302 $50,901 $16,303,489
4 48 $80,202 $29,210 $50,992 $16,252,497
5 49 $80,202 $29,119 $51,083 $16,201,414
5 50 $80,202 $29,028 $51,175 $16,150,239
5 51 $80,202 $28,936 $51,266 $16,098,973
5 52 $80,202 $28,844 $51,358 $16,047,614
5 53 $80,202 $28,752 $51,450 $15,996,164
5 54 $80,202 $28,660 $51,542 $15,944,622
5 55 $80,202 $28,567 $51,635 $15,892,987
5 56 $80,202 $28,475 $51,727 $15,841,260
5 57 $80,202 $28,382 $51,820 $15,789,440
5 58 $80,202 $28,289 $51,913 $15,737,527
5 59 $80,202 $28,196 $52,006 $15,685,521
5 60 $80,202 $28,103 $52,099 $15,633,422
6 61 $80,202 $28,010 $52,192 $15,581,229
6 62 $80,202 $27,916 $52,286 $15,528,944
6 63 $80,202 $27,823 $52,380 $15,476,564
6 64 $80,202 $27,729 $52,473 $15,424,091
6 65 $80,202 $27,635 $52,567 $15,371,523
6 66 $80,202 $27,541 $52,662 $15,318,862
6 67 $80,202 $27,446 $52,756 $15,266,106
6 68 $80,202 $27,352 $52,850 $15,213,255
6 69 $80,202 $27,257 $52,945 $15,160,310
6 70 $80,202 $27,162 $53,040 $15,107,270
6 71 $80,202 $27,067 $53,135 $15,054,135
6 72 $80,202 $26,972 $53,230 $15,000,905
7 73 $80,202 $26,877 $53,326 $14,947,579
7 74 $80,202 $26,781 $53,421 $14,894,158
7 75 $80,202 $26,685 $53,517 $14,840,641
7 76 $80,202 $26,589 $53,613 $14,787,028
7 77 $80,202 $26,493 $53,709 $14,733,319
7 78 $80,202 $26,397 $53,805 $14,679,514
7 79 $80,202 $26,301 $53,901 $14,625,613
7 80 $80,202 $26,204 $53,998 $14,571,615
7 81 $80,202 $26,107 $54,095 $14,517,520
7 82 $80,202 $26,011 $54,192 $14,463,328
7 83 $80,202 $25,913 $54,289 $14,409,040
7 84 $80,202 $25,816 $54,386 $14,354,653
8 85 $80,202 $25,719 $54,483 $14,300,170
8 86 $80,202 $25,621 $54,581 $14,245,589
8 87 $80,202 $25,523 $54,679 $14,190,910
8 88 $80,202 $25,425 $54,777 $14,136,133
8 89 $80,202 $25,327 $54,875 $14,081,258
8 90 $80,202 $25,229 $54,973 $14,026,285
8 91 $80,202 $25,130 $55,072 $13,971,213
8 92 $80,202 $25,032 $55,170 $13,916,042
8 93 $80,202 $24,933 $55,269 $13,860,773
8 94 $80,202 $24,834 $55,368 $13,805,405
8 95 $80,202 $24,735 $55,468 $13,749,937
8 96 $80,202 $24,635 $55,567 $13,694,370
9 97 $80,202 $24,536 $55,667 $13,638,704
9 98 $80,202 $24,436 $55,766 $13,582,937
9 99 $80,202 $24,336 $55,866 $13,527,071
9 100 $80,202 $24,236 $55,966 $13,471,105
9 101 $80,202 $24,136 $56,067 $13,415,038
9 102 $80,202 $24,035 $56,167 $13,358,872
9 103 $80,202 $23,935 $56,268 $13,302,604
9 104 $80,202 $23,834 $56,368 $13,246,235
9 105 $80,202 $23,733 $56,469 $13,189,766
9 106 $80,202 $23,632 $56,571 $13,133,195
9 107 $80,202 $23,530 $56,672 $13,076,524
9 108 $80,202 $23,429 $56,773 $13,019,750
10 109 $80,202 $23,327 $56,875 $12,962,875
10 110 $80,202 $23,225 $56,977 $12,905,898
10 111 $80,202 $23,123 $57,079 $12,848,819
10 112 $80,202 $23,021 $57,181 $12,791,637
10 113 $80,202 $22,918 $57,284 $12,734,353
10 114 $80,202 $22,816 $57,387 $12,676,967
10 115 $80,202 $22,713 $57,489 $12,619,477
10 116 $80,202 $22,610 $57,592 $12,561,885
10 117 $80,202 $22,507 $57,696 $12,504,189
10 118 $80,202 $22,403 $57,799 $12,446,391
10 119 $80,202 $22,300 $57,902 $12,388,488
10 120 $80,202 $22,196 $58,006 $12,330,482
11 121 $80,202 $22,092 $58,110 $12,272,372
11 122 $80,202 $21,988 $58,214 $12,214,157
11 123 $80,202 $21,884 $58,319 $12,155,839
11 124 $80,202 $21,779 $58,423 $12,097,416
11 125 $80,202 $21,675 $58,528 $12,038,888
11 126 $80,202 $21,570 $58,633 $11,980,256
11 127 $80,202 $21,465 $58,738 $11,921,518
11 128 $80,202 $21,359 $58,843 $11,862,675
11 129 $80,202 $21,254 $58,948 $11,803,727
11 130 $80,202 $21,148 $59,054 $11,744,673
11 131 $80,202 $21,043 $59,160 $11,685,513
11 132 $80,202 $20,937 $59,266 $11,626,247
12 133 $80,202 $20,830 $59,372 $11,566,876
12 134 $80,202 $20,724 $59,478 $11,507,397
12 135 $80,202 $20,617 $59,585 $11,447,812
12 136 $80,202 $20,511 $59,692 $11,388,121
12 137 $80,202 $20,404 $59,799 $11,328,322
12 138 $80,202 $20,297 $59,906 $11,268,417
12 139 $80,202 $20,189 $60,013 $11,208,404
12 140 $80,202 $20,082 $60,121 $11,148,283
12 141 $80,202 $19,974 $60,228 $11,088,055
12 142 $80,202 $19,866 $60,336 $11,027,719
12 143 $80,202 $19,758 $60,444 $10,967,274
12 144 $80,202 $19,650 $60,553 $10,906,722
13 145 $80,202 $19,541 $60,661 $10,846,061
13 146 $80,202 $19,433 $60,770 $10,785,291
13 147 $80,202 $19,324 $60,879 $10,724,413
13 148 $80,202 $19,215 $60,988 $10,663,425
13 149 $80,202 $19,105 $61,097 $10,602,328
13 150 $80,202 $18,996 $61,206 $10,541,121
13 151 $80,202 $18,886 $61,316 $10,479,805
13 152 $80,202 $18,776 $61,426 $10,418,379
13 153 $80,202 $18,666 $61,536 $10,356,843
13 154 $80,202 $18,556 $61,646 $10,295,197
13 155 $80,202 $18,446 $61,757 $10,233,441
13 156 $80,202 $18,335 $61,867 $10,171,573
14 157 $80,202 $18,224 $61,978 $10,109,595
14 158 $80,202 $18,113 $62,089 $10,047,506
14 159 $80,202 $18,002 $62,200 $9,985,305
14 160 $80,202 $17,890 $62,312 $9,922,993
14 161 $80,202 $17,779 $62,424 $9,860,570
14 162 $80,202 $17,667 $62,535 $9,798,034
14 163 $80,202 $17,555 $62,647 $9,735,387
14 164 $80,202 $17,443 $62,760 $9,672,627
14 165 $80,202 $17,330 $62,872 $9,609,755
14 166 $80,202 $17,217 $62,985 $9,546,770
14 167 $80,202 $17,105 $63,098 $9,483,673
14 168 $80,202 $16,992 $63,211 $9,420,462
15 169 $80,202 $16,878 $63,324 $9,357,138
15 170 $80,202 $16,765 $63,437 $9,293,701
15 171 $80,202 $16,651 $63,551 $9,230,150
15 172 $80,202 $16,537 $63,665 $9,166,485
15 173 $80,202 $16,423 $63,779 $9,102,706
15 174 $80,202 $16,309 $63,893 $9,038,813
15 175 $80,202 $16,195 $64,008 $8,974,805
15 176 $80,202 $16,080 $64,122 $8,910,683
15 177 $80,202 $15,965 $64,237 $8,846,445
15 178 $80,202 $15,850 $64,352 $8,782,093
15 179 $80,202 $15,735 $64,468 $8,717,625
15 180 $80,202 $15,619 $64,583 $8,653,042
16 181 $80,202 $15,503 $64,699 $8,588,343
16 182 $80,202 $15,387 $64,815 $8,523,528
16 183 $80,202 $15,271 $64,931 $8,458,597
16 184 $80,202 $15,155 $65,047 $8,393,550
16 185 $80,202 $15,038 $65,164 $8,328,386
16 186 $80,202 $14,922 $65,281 $8,263,106
16 187 $80,202 $14,805 $65,398 $8,197,708
16 188 $80,202 $14,688 $65,515 $8,132,194
16 189 $80,202 $14,570 $65,632 $8,066,562
16 190 $80,202 $14,453 $65,750 $8,000,812
16 191 $80,202 $14,335 $65,867 $7,934,944
16 192 $80,202 $14,217 $65,985 $7,868,959
17 193 $80,202 $14,099 $66,104 $7,802,855
17 194 $80,202 $13,980 $66,222 $7,736,633
17 195 $80,202 $13,861 $66,341 $7,670,292
17 196 $80,202 $13,743 $66,460 $7,603,833
17 197 $80,202 $13,624 $66,579 $7,537,254
17 198 $80,202 $13,504 $66,698 $7,470,556
17 199 $80,202 $13,385 $66,818 $7,403,738
17 200 $80,202 $13,265 $66,937 $7,336,801
17 201 $80,202 $13,145 $67,057 $7,269,744
17 202 $80,202 $13,025 $67,177 $7,202,567
17 203 $80,202 $12,905 $67,298 $7,135,269
17 204 $80,202 $12,784 $67,418 $7,067,851
18 205 $80,202 $12,663 $67,539 $7,000,312
18 206 $80,202 $12,542 $67,660 $6,932,652
18 207 $80,202 $12,421 $67,781 $6,864,871
18 208 $80,202 $12,300 $67,903 $6,796,968
18 209 $80,202 $12,178 $68,024 $6,728,944
18 210 $80,202 $12,056 $68,146 $6,660,797
18 211 $80,202 $11,934 $68,268 $6,592,529
18 212 $80,202 $11,812 $68,391 $6,524,138
18 213 $80,202 $11,689 $68,513 $6,455,625
18 214 $80,202 $11,566 $68,636 $6,386,989
18 215 $80,202 $11,443 $68,759 $6,318,230
18 216 $80,202 $11,320 $68,882 $6,249,348
19 217 $80,202 $11,197 $69,006 $6,180,343
19 218 $80,202 $11,073 $69,129 $6,111,214
19 219 $80,202 $10,949 $69,253 $6,041,961
19 220 $80,202 $10,825 $69,377 $5,972,584
19 221 $80,202 $10,701 $69,501 $5,903,082
19 222 $80,202 $10,576 $69,626 $5,833,456
19 223 $80,202 $10,452 $69,751 $5,763,706
19 224 $80,202 $10,327 $69,876 $5,693,830
19 225 $80,202 $10,201 $70,001 $5,623,829
19 226 $80,202 $10,076 $70,126 $5,553,703
19 227 $80,202 $9,950 $70,252 $5,483,451
19 228 $80,202 $9,825 $70,378 $5,413,073
20 229 $80,202 $9,698 $70,504 $5,342,570
20 230 $80,202 $9,572 $70,630 $5,271,939
20 231 $80,202 $9,446 $70,757 $5,201,183
20 232 $80,202 $9,319 $70,883 $5,130,299
20 233 $80,202 $9,192 $71,010 $5,059,289
20 234 $80,202 $9,065 $71,138 $4,988,151
20 235 $80,202 $8,937 $71,265 $4,916,886
20 236 $80,202 $8,809 $71,393 $4,845,493
20 237 $80,202 $8,682 $71,521 $4,773,972
20 238 $80,202 $8,553 $71,649 $4,702,323
20 239 $80,202 $8,425 $71,777 $4,630,546
20 240 $80,202 $8,296 $71,906 $4,558,640
21 241 $80,202 $8,168 $72,035 $4,486,606
21 242 $80,202 $8,039 $72,164 $4,414,442
21 243 $80,202 $7,909 $72,293 $4,342,149
21 244 $80,202 $7,780 $72,423 $4,269,726
21 245 $80,202 $7,650 $72,552 $4,197,174
21 246 $80,202 $7,520 $72,682 $4,124,492
21 247 $80,202 $7,390 $72,813 $4,051,679
21 248 $80,202 $7,259 $72,943 $3,978,736
21 249 $80,202 $7,129 $73,074 $3,905,662
21 250 $80,202 $6,998 $73,205 $3,832,458
21 251 $80,202 $6,866 $73,336 $3,759,122
21 252 $80,202 $6,735 $73,467 $3,685,655
22 253 $80,202 $6,603 $73,599 $3,612,056
22 254 $80,202 $6,472 $73,731 $3,538,325
22 255 $80,202 $6,339 $73,863 $3,464,463
22 256 $80,202 $6,207 $73,995 $3,390,468
22 257 $80,202 $6,075 $74,128 $3,316,340
22 258 $80,202 $5,942 $74,260 $3,242,080
22 259 $80,202 $5,809 $74,394 $3,167,686
22 260 $80,202 $5,675 $74,527 $3,093,159
22 261 $80,202 $5,542 $74,660 $3,018,499
22 262 $80,202 $5,408 $74,794 $2,943,705
22 263 $80,202 $5,274 $74,928 $2,868,777
22 264 $80,202 $5,140 $75,062 $2,793,714
23 265 $80,202 $5,005 $75,197 $2,718,517
23 266 $80,202 $4,871 $75,332 $2,643,186
23 267 $80,202 $4,736 $75,467 $2,567,719
23 268 $80,202 $4,600 $75,602 $2,492,118
23 269 $80,202 $4,465 $75,737 $2,416,380
23 270 $80,202 $4,329 $75,873 $2,340,507
23 271 $80,202 $4,193 $76,009 $2,264,499
23 272 $80,202 $4,057 $76,145 $2,188,354
23 273 $80,202 $3,921 $76,281 $2,112,072
23 274 $80,202 $3,784 $76,418 $2,035,654
23 275 $80,202 $3,647 $76,555 $1,959,099
23 276 $80,202 $3,510 $76,692 $1,882,407
24 277 $80,202 $3,373 $76,830 $1,805,577
24 278 $80,202 $3,235 $76,967 $1,728,610
24 279 $80,202 $3,097 $77,105 $1,651,505
24 280 $80,202 $2,959 $77,243 $1,574,261
24 281 $80,202 $2,821 $77,382 $1,496,880
24 282 $80,202 $2,682 $77,520 $1,419,359
24 283 $80,202 $2,543 $77,659 $1,341,700
24 284 $80,202 $2,404 $77,798 $1,263,902
24 285 $80,202 $2,264 $77,938 $1,185,964
24 286 $80,202 $2,125 $78,077 $1,107,887
24 287 $80,202 $1,985 $78,217 $1,029,669
24 288 $80,202 $1,845 $78,357 $951,312
25 289 $80,202 $1,704 $78,498 $872,814
25 290 $80,202 $1,564 $78,638 $794,176
25 291 $80,202 $1,423 $78,779 $715,396
25 292 $80,202 $1,282 $78,921 $636,476
25 293 $80,202 $1,140 $79,062 $557,414
25 294 $80,202 $999 $79,204 $478,210
25 295 $80,202 $857 $79,345 $398,865
25 296 $80,202 $715 $79,488 $319,377
25 297 $80,202 $572 $79,630 $239,747
25 298 $80,202 $430 $79,773 $159,974
25 299 $80,202 $287 $79,916 $80,059
25 300 $80,202 $143 $80,059 $0