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$ 20,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 20,500,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$20,000,000
 
Monthly Repayment (HKD)
$129,358
Loan Amount (HKD)
$30,000,000
+
Total Interest (HKD)
$8,807,542
=
Total Repayment (HKD)
$38,807,542
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $129,358 $53,750 $75,608 $29,924,392
1 2 $129,358 $53,615 $75,744 $29,848,648
1 3 $129,358 $53,479 $75,880 $29,772,768
1 4 $129,358 $53,343 $76,016 $29,696,752
1 5 $129,358 $53,207 $76,152 $29,620,601
1 6 $129,358 $53,070 $76,288 $29,544,312
1 7 $129,358 $52,934 $76,425 $29,467,887
1 8 $129,358 $52,797 $76,562 $29,391,326
1 9 $129,358 $52,659 $76,699 $29,314,627
1 10 $129,358 $52,522 $76,836 $29,237,790
1 11 $129,358 $52,384 $76,974 $29,160,816
1 12 $129,358 $52,246 $77,112 $29,083,704
2 13 $129,358 $52,108 $77,250 $29,006,454
2 14 $129,358 $51,970 $77,389 $28,929,065
2 15 $129,358 $51,831 $77,527 $28,851,538
2 16 $129,358 $51,692 $77,666 $28,773,872
2 17 $129,358 $51,553 $77,805 $28,696,067
2 18 $129,358 $51,414 $77,945 $28,618,122
2 19 $129,358 $51,274 $78,084 $28,540,038
2 20 $129,358 $51,134 $78,224 $28,461,813
2 21 $129,358 $50,994 $78,364 $28,383,449
2 22 $129,358 $50,854 $78,505 $28,304,944
2 23 $129,358 $50,713 $78,645 $28,226,299
2 24 $129,358 $50,572 $78,786 $28,147,512
3 25 $129,358 $50,431 $78,928 $28,068,585
3 26 $129,358 $50,290 $79,069 $27,989,516
3 27 $129,358 $50,148 $79,211 $27,910,305
3 28 $129,358 $50,006 $79,353 $27,830,953
3 29 $129,358 $49,864 $79,495 $27,751,458
3 30 $129,358 $49,721 $79,637 $27,671,821
3 31 $129,358 $49,579 $79,780 $27,592,041
3 32 $129,358 $49,436 $79,923 $27,512,119
3 33 $129,358 $49,293 $80,066 $27,432,053
3 34 $129,358 $49,149 $80,209 $27,351,843
3 35 $129,358 $49,005 $80,353 $27,271,490
3 36 $129,358 $48,861 $80,497 $27,190,993
4 37 $129,358 $48,717 $80,641 $27,110,352
4 38 $129,358 $48,573 $80,786 $27,029,566
4 39 $129,358 $48,428 $80,930 $26,948,636
4 40 $129,358 $48,283 $81,075 $26,867,560
4 41 $129,358 $48,138 $81,221 $26,786,339
4 42 $129,358 $47,992 $81,366 $26,704,973
4 43 $129,358 $47,846 $81,512 $26,623,461
4 44 $129,358 $47,700 $81,658 $26,541,803
4 45 $129,358 $47,554 $81,804 $26,459,998
4 46 $129,358 $47,407 $81,951 $26,378,047
4 47 $129,358 $47,261 $82,098 $26,295,950
4 48 $129,358 $47,114 $82,245 $26,213,705
5 49 $129,358 $46,966 $82,392 $26,131,313
5 50 $129,358 $46,819 $82,540 $26,048,773
5 51 $129,358 $46,671 $82,688 $25,966,085
5 52 $129,358 $46,523 $82,836 $25,883,249
5 53 $129,358 $46,374 $82,984 $25,800,265
5 54 $129,358 $46,225 $83,133 $25,717,132
5 55 $129,358 $46,077 $83,282 $25,633,850
5 56 $129,358 $45,927 $83,431 $25,550,419
5 57 $129,358 $45,778 $83,581 $25,466,838
5 58 $129,358 $45,628 $83,730 $25,383,108
5 59 $129,358 $45,478 $83,880 $25,299,227
5 60 $129,358 $45,328 $84,031 $25,215,196
6 61 $129,358 $45,177 $84,181 $25,131,015
6 62 $129,358 $45,026 $84,332 $25,046,683
6 63 $129,358 $44,875 $84,483 $24,962,200
6 64 $129,358 $44,724 $84,635 $24,877,565
6 65 $129,358 $44,572 $84,786 $24,792,779
6 66 $129,358 $44,420 $84,938 $24,707,841
6 67 $129,358 $44,268 $85,090 $24,622,751
6 68 $129,358 $44,116 $85,243 $24,537,508
6 69 $129,358 $43,963 $85,395 $24,452,113
6 70 $129,358 $43,810 $85,548 $24,366,564
6 71 $129,358 $43,657 $85,702 $24,280,863
6 72 $129,358 $43,503 $85,855 $24,195,007
7 73 $129,358 $43,349 $86,009 $24,108,998
7 74 $129,358 $43,195 $86,163 $24,022,835
7 75 $129,358 $43,041 $86,318 $23,936,518
7 76 $129,358 $42,886 $86,472 $23,850,045
7 77 $129,358 $42,731 $86,627 $23,763,418
7 78 $129,358 $42,576 $86,782 $23,676,636
7 79 $129,358 $42,421 $86,938 $23,589,698
7 80 $129,358 $42,265 $87,094 $23,502,604
7 81 $129,358 $42,109 $87,250 $23,415,355
7 82 $129,358 $41,953 $87,406 $23,327,949
7 83 $129,358 $41,796 $87,563 $23,240,386
7 84 $129,358 $41,639 $87,719 $23,152,667
8 85 $129,358 $41,482 $87,877 $23,064,790
8 86 $129,358 $41,324 $88,034 $22,976,756
8 87 $129,358 $41,167 $88,192 $22,888,564
8 88 $129,358 $41,009 $88,350 $22,800,215
8 89 $129,358 $40,850 $88,508 $22,711,707
8 90 $129,358 $40,692 $88,667 $22,623,040
8 91 $129,358 $40,533 $88,826 $22,534,214
8 92 $129,358 $40,374 $88,985 $22,445,230
8 93 $129,358 $40,214 $89,144 $22,356,086
8 94 $129,358 $40,055 $89,304 $22,266,782
8 95 $129,358 $39,895 $89,464 $22,177,318
8 96 $129,358 $39,734 $89,624 $22,087,694
9 97 $129,358 $39,574 $89,785 $21,997,909
9 98 $129,358 $39,413 $89,946 $21,907,964
9 99 $129,358 $39,252 $90,107 $21,817,857
9 100 $129,358 $39,090 $90,268 $21,727,589
9 101 $129,358 $38,929 $90,430 $21,637,159
9 102 $129,358 $38,767 $90,592 $21,546,567
9 103 $129,358 $38,604 $90,754 $21,455,813
9 104 $129,358 $38,442 $90,917 $21,364,896
9 105 $129,358 $38,279 $91,080 $21,273,816
9 106 $129,358 $38,116 $91,243 $21,182,573
9 107 $129,358 $37,952 $91,406 $21,091,167
9 108 $129,358 $37,788 $91,570 $20,999,597
10 109 $129,358 $37,624 $91,734 $20,907,863
10 110 $129,358 $37,460 $91,899 $20,815,964
10 111 $129,358 $37,295 $92,063 $20,723,901
10 112 $129,358 $37,130 $92,228 $20,631,673
10 113 $129,358 $36,965 $92,393 $20,539,279
10 114 $129,358 $36,800 $92,559 $20,446,720
10 115 $129,358 $36,634 $92,725 $20,353,996
10 116 $129,358 $36,468 $92,891 $20,261,105
10 117 $129,358 $36,301 $93,057 $20,168,047
10 118 $129,358 $36,134 $93,224 $20,074,823
10 119 $129,358 $35,967 $93,391 $19,981,432
10 120 $129,358 $35,800 $93,558 $19,887,874
11 121 $129,358 $35,632 $93,726 $19,794,148
11 122 $129,358 $35,465 $93,894 $19,700,254
11 123 $129,358 $35,296 $94,062 $19,606,192
11 124 $129,358 $35,128 $94,231 $19,511,961
11 125 $129,358 $34,959 $94,400 $19,417,561
11 126 $129,358 $34,790 $94,569 $19,322,993
11 127 $129,358 $34,620 $94,738 $19,228,255
11 128 $129,358 $34,451 $94,908 $19,133,347
11 129 $129,358 $34,281 $95,078 $19,038,269
11 130 $129,358 $34,110 $95,248 $18,943,021
11 131 $129,358 $33,940 $95,419 $18,847,602
11 132 $129,358 $33,769 $95,590 $18,752,012
12 133 $129,358 $33,597 $95,761 $18,656,251
12 134 $129,358 $33,426 $95,933 $18,560,318
12 135 $129,358 $33,254 $96,105 $18,464,214
12 136 $129,358 $33,082 $96,277 $18,367,937
12 137 $129,358 $32,909 $96,449 $18,271,488
12 138 $129,358 $32,736 $96,622 $18,174,866
12 139 $129,358 $32,563 $96,795 $18,078,070
12 140 $129,358 $32,390 $96,969 $17,981,102
12 141 $129,358 $32,216 $97,142 $17,883,959
12 142 $129,358 $32,042 $97,316 $17,786,643
12 143 $129,358 $31,868 $97,491 $17,689,152
12 144 $129,358 $31,693 $97,665 $17,591,487
13 145 $129,358 $31,518 $97,840 $17,493,647
13 146 $129,358 $31,343 $98,016 $17,395,631
13 147 $129,358 $31,167 $98,191 $17,297,440
13 148 $129,358 $30,991 $98,367 $17,199,072
13 149 $129,358 $30,815 $98,543 $17,100,529
13 150 $129,358 $30,638 $98,720 $17,001,809
13 151 $129,358 $30,462 $98,897 $16,902,912
13 152 $129,358 $30,284 $99,074 $16,803,838
13 153 $129,358 $30,107 $99,252 $16,704,586
13 154 $129,358 $29,929 $99,429 $16,605,157
13 155 $129,358 $29,751 $99,608 $16,505,549
13 156 $129,358 $29,572 $99,786 $16,405,763
14 157 $129,358 $29,394 $99,965 $16,305,798
14 158 $129,358 $29,215 $100,144 $16,205,654
14 159 $129,358 $29,035 $100,323 $16,105,331
14 160 $129,358 $28,855 $100,503 $16,004,828
14 161 $129,358 $28,675 $100,683 $15,904,145
14 162 $129,358 $28,495 $100,864 $15,803,281
14 163 $129,358 $28,314 $101,044 $15,702,237
14 164 $129,358 $28,133 $101,225 $15,601,012
14 165 $129,358 $27,952 $101,407 $15,499,605
14 166 $129,358 $27,770 $101,588 $15,398,017
14 167 $129,358 $27,588 $101,770 $15,296,246
14 168 $129,358 $27,406 $101,953 $15,194,294
15 169 $129,358 $27,223 $102,135 $15,092,158
15 170 $129,358 $27,040 $102,318 $14,989,840
15 171 $129,358 $26,857 $102,502 $14,887,338
15 172 $129,358 $26,673 $102,685 $14,784,653
15 173 $129,358 $26,489 $102,869 $14,681,784
15 174 $129,358 $26,305 $103,054 $14,578,730
15 175 $129,358 $26,120 $103,238 $14,475,492
15 176 $129,358 $25,935 $103,423 $14,372,069
15 177 $129,358 $25,750 $103,609 $14,268,460
15 178 $129,358 $25,564 $103,794 $14,164,666
15 179 $129,358 $25,378 $103,980 $14,060,686
15 180 $129,358 $25,192 $104,166 $13,956,519
16 181 $129,358 $25,005 $104,353 $13,852,166
16 182 $129,358 $24,818 $104,540 $13,747,626
16 183 $129,358 $24,631 $104,727 $13,642,899
16 184 $129,358 $24,444 $104,915 $13,537,984
16 185 $129,358 $24,256 $105,103 $13,432,881
16 186 $129,358 $24,067 $105,291 $13,327,590
16 187 $129,358 $23,879 $105,480 $13,222,110
16 188 $129,358 $23,690 $105,669 $13,116,441
16 189 $129,358 $23,500 $105,858 $13,010,583
16 190 $129,358 $23,311 $106,048 $12,904,535
16 191 $129,358 $23,121 $106,238 $12,798,297
16 192 $129,358 $22,930 $106,428 $12,691,869
17 193 $129,358 $22,740 $106,619 $12,585,250
17 194 $129,358 $22,549 $106,810 $12,478,440
17 195 $129,358 $22,357 $107,001 $12,371,439
17 196 $129,358 $22,165 $107,193 $12,264,246
17 197 $129,358 $21,973 $107,385 $12,156,861
17 198 $129,358 $21,781 $107,577 $12,049,284
17 199 $129,358 $21,588 $107,770 $11,941,514
17 200 $129,358 $21,395 $107,963 $11,833,550
17 201 $129,358 $21,202 $108,157 $11,725,394
17 202 $129,358 $21,008 $108,350 $11,617,043
17 203 $129,358 $20,814 $108,545 $11,508,499
17 204 $129,358 $20,619 $108,739 $11,399,759
18 205 $129,358 $20,425 $108,934 $11,290,826
18 206 $129,358 $20,229 $109,129 $11,181,697
18 207 $129,358 $20,034 $109,325 $11,072,372
18 208 $129,358 $19,838 $109,520 $10,962,851
18 209 $129,358 $19,642 $109,717 $10,853,135
18 210 $129,358 $19,445 $109,913 $10,743,221
18 211 $129,358 $19,248 $110,110 $10,633,111
18 212 $129,358 $19,051 $110,307 $10,522,804
18 213 $129,358 $18,853 $110,505 $10,412,299
18 214 $129,358 $18,655 $110,703 $10,301,596
18 215 $129,358 $18,457 $110,901 $10,190,694
18 216 $129,358 $18,258 $111,100 $10,079,594
19 217 $129,358 $18,059 $111,299 $9,968,295
19 218 $129,358 $17,860 $111,499 $9,856,796
19 219 $129,358 $17,660 $111,698 $9,745,098
19 220 $129,358 $17,460 $111,899 $9,633,199
19 221 $129,358 $17,259 $112,099 $9,521,100
19 222 $129,358 $17,059 $112,300 $9,408,800
19 223 $129,358 $16,857 $112,501 $9,296,299
19 224 $129,358 $16,656 $112,703 $9,183,597
19 225 $129,358 $16,454 $112,905 $9,070,692
19 226 $129,358 $16,252 $113,107 $8,957,585
19 227 $129,358 $16,049 $113,309 $8,844,276
19 228 $129,358 $15,846 $113,512 $8,730,764
20 229 $129,358 $15,643 $113,716 $8,617,048
20 230 $129,358 $15,439 $113,920 $8,503,128
20 231 $129,358 $15,235 $114,124 $8,389,004
20 232 $129,358 $15,030 $114,328 $8,274,676
20 233 $129,358 $14,825 $114,533 $8,160,143
20 234 $129,358 $14,620 $114,738 $8,045,405
20 235 $129,358 $14,415 $114,944 $7,930,461
20 236 $129,358 $14,209 $115,150 $7,815,311
20 237 $129,358 $14,002 $115,356 $7,699,955
20 238 $129,358 $13,796 $115,563 $7,584,393
20 239 $129,358 $13,589 $115,770 $7,468,623
20 240 $129,358 $13,381 $115,977 $7,352,646
21 241 $129,358 $13,173 $116,185 $7,236,461
21 242 $129,358 $12,965 $116,393 $7,120,068
21 243 $129,358 $12,757 $116,602 $7,003,466
21 244 $129,358 $12,548 $116,811 $6,886,655
21 245 $129,358 $12,339 $117,020 $6,769,635
21 246 $129,358 $12,129 $117,230 $6,652,406
21 247 $129,358 $11,919 $117,440 $6,534,966
21 248 $129,358 $11,708 $117,650 $6,417,316
21 249 $129,358 $11,498 $117,861 $6,299,456
21 250 $129,358 $11,287 $118,072 $6,181,384
21 251 $129,358 $11,075 $118,283 $6,063,100
21 252 $129,358 $10,863 $118,495 $5,944,605
22 253 $129,358 $10,651 $118,708 $5,825,897
22 254 $129,358 $10,438 $118,920 $5,706,977
22 255 $129,358 $10,225 $119,133 $5,587,843
22 256 $129,358 $10,012 $119,347 $5,468,496
22 257 $129,358 $9,798 $119,561 $5,348,935
22 258 $129,358 $9,584 $119,775 $5,229,160
22 259 $129,358 $9,369 $119,990 $5,109,171
22 260 $129,358 $9,154 $120,205 $4,988,966
22 261 $129,358 $8,939 $120,420 $4,868,546
22 262 $129,358 $8,723 $120,636 $4,747,911
22 263 $129,358 $8,507 $120,852 $4,627,059
22 264 $129,358 $8,290 $121,068 $4,505,991
23 265 $129,358 $8,073 $121,285 $4,384,705
23 266 $129,358 $7,856 $121,503 $4,263,203
23 267 $129,358 $7,638 $121,720 $4,141,483
23 268 $129,358 $7,420 $121,938 $4,019,544
23 269 $129,358 $7,202 $122,157 $3,897,388
23 270 $129,358 $6,983 $122,376 $3,775,012
23 271 $129,358 $6,764 $122,595 $3,652,417
23 272 $129,358 $6,544 $122,815 $3,529,602
23 273 $129,358 $6,324 $123,035 $3,406,568
23 274 $129,358 $6,103 $123,255 $3,283,313
23 275 $129,358 $5,883 $123,476 $3,159,837
23 276 $129,358 $5,661 $123,697 $3,036,140
24 277 $129,358 $5,440 $123,919 $2,912,221
24 278 $129,358 $5,218 $124,141 $2,788,080
24 279 $129,358 $4,995 $124,363 $2,663,717
24 280 $129,358 $4,772 $124,586 $2,539,131
24 281 $129,358 $4,549 $124,809 $2,414,322
24 282 $129,358 $4,326 $125,033 $2,289,289
24 283 $129,358 $4,102 $125,257 $2,164,032
24 284 $129,358 $3,877 $125,481 $2,038,551
24 285 $129,358 $3,652 $125,706 $1,912,845
24 286 $129,358 $3,427 $125,931 $1,786,914
24 287 $129,358 $3,202 $126,157 $1,660,757
24 288 $129,358 $2,976 $126,383 $1,534,374
25 289 $129,358 $2,749 $126,609 $1,407,765
25 290 $129,358 $2,522 $126,836 $1,280,928
25 291 $129,358 $2,295 $127,063 $1,153,865
25 292 $129,358 $2,067 $127,291 $1,026,574
25 293 $129,358 $1,839 $127,519 $899,055
25 294 $129,358 $1,611 $127,748 $771,307
25 295 $129,358 $1,382 $127,977 $643,330
25 296 $129,358 $1,153 $128,206 $515,124
25 297 $129,358 $923 $128,436 $386,689
25 298 $129,358 $693 $128,666 $258,023
25 299 $129,358 $462 $128,896 $129,127
25 300 $129,358 $231 $129,127 $0