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$ 3,672,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 3,763,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$3,672,000
 
Monthly Repayment (HKD)
$23,750
Loan Amount (HKD)
$5,508,000
+
Total Interest (HKD)
$1,617,065
=
Total Repayment (HKD)
$7,125,065
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $23,750 $9,869 $13,882 $5,494,118
1 2 $23,750 $9,844 $13,907 $5,480,212
1 3 $23,750 $9,819 $13,932 $5,466,280
1 4 $23,750 $9,794 $13,956 $5,452,324
1 5 $23,750 $9,769 $13,981 $5,438,342
1 6 $23,750 $9,744 $14,007 $5,424,336
1 7 $23,750 $9,719 $14,032 $5,410,304
1 8 $23,750 $9,693 $14,057 $5,396,247
1 9 $23,750 $9,668 $14,082 $5,382,165
1 10 $23,750 $9,643 $14,107 $5,368,058
1 11 $23,750 $9,618 $14,132 $5,353,926
1 12 $23,750 $9,592 $14,158 $5,339,768
2 13 $23,750 $9,567 $14,183 $5,325,585
2 14 $23,750 $9,542 $14,209 $5,311,376
2 15 $23,750 $9,516 $14,234 $5,297,142
2 16 $23,750 $9,491 $14,260 $5,282,883
2 17 $23,750 $9,465 $14,285 $5,268,598
2 18 $23,750 $9,440 $14,311 $5,254,287
2 19 $23,750 $9,414 $14,336 $5,239,951
2 20 $23,750 $9,388 $14,362 $5,225,589
2 21 $23,750 $9,363 $14,388 $5,211,201
2 22 $23,750 $9,337 $14,413 $5,196,788
2 23 $23,750 $9,311 $14,439 $5,182,348
2 24 $23,750 $9,285 $14,465 $5,167,883
3 25 $23,750 $9,259 $14,491 $5,153,392
3 26 $23,750 $9,233 $14,517 $5,138,875
3 27 $23,750 $9,207 $14,543 $5,124,332
3 28 $23,750 $9,181 $14,569 $5,109,763
3 29 $23,750 $9,155 $14,595 $5,095,168
3 30 $23,750 $9,129 $14,621 $5,080,546
3 31 $23,750 $9,103 $14,648 $5,065,899
3 32 $23,750 $9,076 $14,674 $5,051,225
3 33 $23,750 $9,050 $14,700 $5,036,525
3 34 $23,750 $9,024 $14,726 $5,021,798
3 35 $23,750 $8,997 $14,753 $5,007,046
3 36 $23,750 $8,971 $14,779 $4,992,266
4 37 $23,750 $8,944 $14,806 $4,977,461
4 38 $23,750 $8,918 $14,832 $4,962,628
4 39 $23,750 $8,891 $14,859 $4,947,769
4 40 $23,750 $8,865 $14,885 $4,932,884
4 41 $23,750 $8,838 $14,912 $4,917,972
4 42 $23,750 $8,811 $14,939 $4,903,033
4 43 $23,750 $8,785 $14,966 $4,888,067
4 44 $23,750 $8,758 $14,992 $4,873,075
4 45 $23,750 $8,731 $15,019 $4,858,056
4 46 $23,750 $8,704 $15,046 $4,843,010
4 47 $23,750 $8,677 $15,073 $4,827,936
4 48 $23,750 $8,650 $15,100 $4,812,836
5 49 $23,750 $8,623 $15,127 $4,797,709
5 50 $23,750 $8,596 $15,154 $4,782,555
5 51 $23,750 $8,569 $15,181 $4,767,373
5 52 $23,750 $8,542 $15,209 $4,752,165
5 53 $23,750 $8,514 $15,236 $4,736,929
5 54 $23,750 $8,487 $15,263 $4,721,665
5 55 $23,750 $8,460 $15,291 $4,706,375
5 56 $23,750 $8,432 $15,318 $4,691,057
5 57 $23,750 $8,405 $15,345 $4,675,711
5 58 $23,750 $8,377 $15,373 $4,660,339
5 59 $23,750 $8,350 $15,400 $4,644,938
5 60 $23,750 $8,322 $15,428 $4,629,510
6 61 $23,750 $8,295 $15,456 $4,614,054
6 62 $23,750 $8,267 $15,483 $4,598,571
6 63 $23,750 $8,239 $15,511 $4,583,060
6 64 $23,750 $8,211 $15,539 $4,567,521
6 65 $23,750 $8,183 $15,567 $4,551,954
6 66 $23,750 $8,156 $15,595 $4,536,360
6 67 $23,750 $8,128 $15,623 $4,520,737
6 68 $23,750 $8,100 $15,651 $4,505,087
6 69 $23,750 $8,072 $15,679 $4,489,408
6 70 $23,750 $8,044 $15,707 $4,473,701
6 71 $23,750 $8,015 $15,735 $4,457,966
6 72 $23,750 $7,987 $15,763 $4,442,203
7 73 $23,750 $7,959 $15,791 $4,426,412
7 74 $23,750 $7,931 $15,820 $4,410,593
7 75 $23,750 $7,902 $15,848 $4,394,745
7 76 $23,750 $7,874 $15,876 $4,378,868
7 77 $23,750 $7,845 $15,905 $4,362,964
7 78 $23,750 $7,817 $15,933 $4,347,030
7 79 $23,750 $7,788 $15,962 $4,331,069
7 80 $23,750 $7,760 $15,990 $4,315,078
7 81 $23,750 $7,731 $16,019 $4,299,059
7 82 $23,750 $7,702 $16,048 $4,283,011
7 83 $23,750 $7,674 $16,076 $4,266,935
7 84 $23,750 $7,645 $16,105 $4,250,830
8 85 $23,750 $7,616 $16,134 $4,234,695
8 86 $23,750 $7,587 $16,163 $4,218,532
8 87 $23,750 $7,558 $16,192 $4,202,340
8 88 $23,750 $7,529 $16,221 $4,186,119
8 89 $23,750 $7,500 $16,250 $4,169,869
8 90 $23,750 $7,471 $16,279 $4,153,590
8 91 $23,750 $7,442 $16,308 $4,137,282
8 92 $23,750 $7,413 $16,338 $4,120,944
8 93 $23,750 $7,383 $16,367 $4,104,577
8 94 $23,750 $7,354 $16,396 $4,088,181
8 95 $23,750 $7,325 $16,426 $4,071,756
8 96 $23,750 $7,295 $16,455 $4,055,301
9 97 $23,750 $7,266 $16,484 $4,038,816
9 98 $23,750 $7,236 $16,514 $4,022,302
9 99 $23,750 $7,207 $16,544 $4,005,759
9 100 $23,750 $7,177 $16,573 $3,989,185
9 101 $23,750 $7,147 $16,603 $3,972,582
9 102 $23,750 $7,118 $16,633 $3,955,950
9 103 $23,750 $7,088 $16,662 $3,939,287
9 104 $23,750 $7,058 $16,692 $3,922,595
9 105 $23,750 $7,028 $16,722 $3,905,873
9 106 $23,750 $6,998 $16,752 $3,889,120
9 107 $23,750 $6,968 $16,782 $3,872,338
9 108 $23,750 $6,938 $16,812 $3,855,526
10 109 $23,750 $6,908 $16,842 $3,838,684
10 110 $23,750 $6,878 $16,873 $3,821,811
10 111 $23,750 $6,847 $16,903 $3,804,908
10 112 $23,750 $6,817 $16,933 $3,787,975
10 113 $23,750 $6,787 $16,963 $3,771,012
10 114 $23,750 $6,756 $16,994 $3,754,018
10 115 $23,750 $6,726 $17,024 $3,736,994
10 116 $23,750 $6,695 $17,055 $3,719,939
10 117 $23,750 $6,665 $17,085 $3,702,854
10 118 $23,750 $6,634 $17,116 $3,685,738
10 119 $23,750 $6,604 $17,147 $3,668,591
10 120 $23,750 $6,573 $17,177 $3,651,414
11 121 $23,750 $6,542 $17,208 $3,634,206
11 122 $23,750 $6,511 $17,239 $3,616,967
11 123 $23,750 $6,480 $17,270 $3,599,697
11 124 $23,750 $6,449 $17,301 $3,582,396
11 125 $23,750 $6,418 $17,332 $3,565,064
11 126 $23,750 $6,387 $17,363 $3,547,701
11 127 $23,750 $6,356 $17,394 $3,530,308
11 128 $23,750 $6,325 $17,425 $3,512,882
11 129 $23,750 $6,294 $17,456 $3,495,426
11 130 $23,750 $6,263 $17,488 $3,477,939
11 131 $23,750 $6,231 $17,519 $3,460,420
11 132 $23,750 $6,200 $17,550 $3,442,869
12 133 $23,750 $6,168 $17,582 $3,425,288
12 134 $23,750 $6,137 $17,613 $3,407,674
12 135 $23,750 $6,105 $17,645 $3,390,030
12 136 $23,750 $6,074 $17,676 $3,372,353
12 137 $23,750 $6,042 $17,708 $3,354,645
12 138 $23,750 $6,010 $17,740 $3,336,905
12 139 $23,750 $5,979 $17,772 $3,319,134
12 140 $23,750 $5,947 $17,803 $3,301,330
12 141 $23,750 $5,915 $17,835 $3,283,495
12 142 $23,750 $5,883 $17,867 $3,265,628
12 143 $23,750 $5,851 $17,899 $3,247,728
12 144 $23,750 $5,819 $17,931 $3,229,797
13 145 $23,750 $5,787 $17,963 $3,211,834
13 146 $23,750 $5,755 $17,996 $3,193,838
13 147 $23,750 $5,722 $18,028 $3,175,810
13 148 $23,750 $5,690 $18,060 $3,157,750
13 149 $23,750 $5,658 $18,093 $3,139,657
13 150 $23,750 $5,625 $18,125 $3,121,532
13 151 $23,750 $5,593 $18,157 $3,103,375
13 152 $23,750 $5,560 $18,190 $3,085,185
13 153 $23,750 $5,528 $18,223 $3,066,962
13 154 $23,750 $5,495 $18,255 $3,048,707
13 155 $23,750 $5,462 $18,288 $3,030,419
13 156 $23,750 $5,430 $18,321 $3,012,098
14 157 $23,750 $5,397 $18,354 $2,993,745
14 158 $23,750 $5,364 $18,386 $2,975,358
14 159 $23,750 $5,331 $18,419 $2,956,939
14 160 $23,750 $5,298 $18,452 $2,938,486
14 161 $23,750 $5,265 $18,485 $2,920,001
14 162 $23,750 $5,232 $18,519 $2,901,482
14 163 $23,750 $5,198 $18,552 $2,882,931
14 164 $23,750 $5,165 $18,585 $2,864,346
14 165 $23,750 $5,132 $18,618 $2,845,728
14 166 $23,750 $5,099 $18,652 $2,827,076
14 167 $23,750 $5,065 $18,685 $2,808,391
14 168 $23,750 $5,032 $18,719 $2,789,672
15 169 $23,750 $4,998 $18,752 $2,770,920
15 170 $23,750 $4,965 $18,786 $2,752,135
15 171 $23,750 $4,931 $18,819 $2,733,315
15 172 $23,750 $4,897 $18,853 $2,714,462
15 173 $23,750 $4,863 $18,887 $2,695,575
15 174 $23,750 $4,830 $18,921 $2,676,655
15 175 $23,750 $4,796 $18,955 $2,657,700
15 176 $23,750 $4,762 $18,989 $2,638,712
15 177 $23,750 $4,728 $19,023 $2,619,689
15 178 $23,750 $4,694 $19,057 $2,600,633
15 179 $23,750 $4,659 $19,091 $2,581,542
15 180 $23,750 $4,625 $19,125 $2,562,417
16 181 $23,750 $4,591 $19,159 $2,543,258
16 182 $23,750 $4,557 $19,194 $2,524,064
16 183 $23,750 $4,522 $19,228 $2,504,836
16 184 $23,750 $4,488 $19,262 $2,485,574
16 185 $23,750 $4,453 $19,297 $2,466,277
16 186 $23,750 $4,419 $19,331 $2,446,946
16 187 $23,750 $4,384 $19,366 $2,427,579
16 188 $23,750 $4,349 $19,401 $2,408,179
16 189 $23,750 $4,315 $19,436 $2,388,743
16 190 $23,750 $4,280 $19,470 $2,369,273
16 191 $23,750 $4,245 $19,505 $2,349,767
16 192 $23,750 $4,210 $19,540 $2,330,227
17 193 $23,750 $4,175 $19,575 $2,310,652
17 194 $23,750 $4,140 $19,610 $2,291,042
17 195 $23,750 $4,105 $19,645 $2,271,396
17 196 $23,750 $4,070 $19,681 $2,251,716
17 197 $23,750 $4,034 $19,716 $2,232,000
17 198 $23,750 $3,999 $19,751 $2,212,249
17 199 $23,750 $3,964 $19,787 $2,192,462
17 200 $23,750 $3,928 $19,822 $2,172,640
17 201 $23,750 $3,893 $19,858 $2,152,782
17 202 $23,750 $3,857 $19,893 $2,132,889
17 203 $23,750 $3,821 $19,929 $2,112,960
17 204 $23,750 $3,786 $19,964 $2,092,996
18 205 $23,750 $3,750 $20,000 $2,072,996
18 206 $23,750 $3,714 $20,036 $2,052,959
18 207 $23,750 $3,678 $20,072 $2,032,887
18 208 $23,750 $3,642 $20,108 $2,012,780
18 209 $23,750 $3,606 $20,144 $1,992,636
18 210 $23,750 $3,570 $20,180 $1,972,455
18 211 $23,750 $3,534 $20,216 $1,952,239
18 212 $23,750 $3,498 $20,252 $1,931,987
18 213 $23,750 $3,461 $20,289 $1,911,698
18 214 $23,750 $3,425 $20,325 $1,891,373
18 215 $23,750 $3,389 $20,362 $1,871,011
18 216 $23,750 $3,352 $20,398 $1,850,613
19 217 $23,750 $3,316 $20,435 $1,830,179
19 218 $23,750 $3,279 $20,471 $1,809,708
19 219 $23,750 $3,242 $20,508 $1,789,200
19 220 $23,750 $3,206 $20,545 $1,768,655
19 221 $23,750 $3,169 $20,581 $1,748,074
19 222 $23,750 $3,132 $20,618 $1,727,456
19 223 $23,750 $3,095 $20,655 $1,706,801
19 224 $23,750 $3,058 $20,692 $1,686,108
19 225 $23,750 $3,021 $20,729 $1,665,379
19 226 $23,750 $2,984 $20,766 $1,644,613
19 227 $23,750 $2,947 $20,804 $1,623,809
19 228 $23,750 $2,909 $20,841 $1,602,968
20 229 $23,750 $2,872 $20,878 $1,582,090
20 230 $23,750 $2,835 $20,916 $1,561,174
20 231 $23,750 $2,797 $20,953 $1,540,221
20 232 $23,750 $2,760 $20,991 $1,519,231
20 233 $23,750 $2,722 $21,028 $1,498,202
20 234 $23,750 $2,684 $21,066 $1,477,136
20 235 $23,750 $2,647 $21,104 $1,456,033
20 236 $23,750 $2,609 $21,141 $1,434,891
20 237 $23,750 $2,571 $21,179 $1,413,712
20 238 $23,750 $2,533 $21,217 $1,392,495
20 239 $23,750 $2,495 $21,255 $1,371,239
20 240 $23,750 $2,457 $21,293 $1,349,946
21 241 $23,750 $2,419 $21,332 $1,328,614
21 242 $23,750 $2,380 $21,370 $1,307,244
21 243 $23,750 $2,342 $21,408 $1,285,836
21 244 $23,750 $2,304 $21,446 $1,264,390
21 245 $23,750 $2,265 $21,485 $1,242,905
21 246 $23,750 $2,227 $21,523 $1,221,382
21 247 $23,750 $2,188 $21,562 $1,199,820
21 248 $23,750 $2,150 $21,601 $1,178,219
21 249 $23,750 $2,111 $21,639 $1,156,580
21 250 $23,750 $2,072 $21,678 $1,134,902
21 251 $23,750 $2,033 $21,717 $1,113,185
21 252 $23,750 $1,994 $21,756 $1,091,429
22 253 $23,750 $1,955 $21,795 $1,069,635
22 254 $23,750 $1,916 $21,834 $1,047,801
22 255 $23,750 $1,877 $21,873 $1,025,928
22 256 $23,750 $1,838 $21,912 $1,004,016
22 257 $23,750 $1,799 $21,951 $982,065
22 258 $23,750 $1,760 $21,991 $960,074
22 259 $23,750 $1,720 $22,030 $938,044
22 260 $23,750 $1,681 $22,070 $915,974
22 261 $23,750 $1,641 $22,109 $893,865
22 262 $23,750 $1,602 $22,149 $871,716
22 263 $23,750 $1,562 $22,188 $849,528
22 264 $23,750 $1,522 $22,228 $827,300
23 265 $23,750 $1,482 $22,268 $805,032
23 266 $23,750 $1,442 $22,308 $782,724
23 267 $23,750 $1,402 $22,348 $760,376
23 268 $23,750 $1,362 $22,388 $737,988
23 269 $23,750 $1,322 $22,428 $715,560
23 270 $23,750 $1,282 $22,468 $693,092
23 271 $23,750 $1,242 $22,508 $670,584
23 272 $23,750 $1,201 $22,549 $648,035
23 273 $23,750 $1,161 $22,589 $625,446
23 274 $23,750 $1,121 $22,630 $602,816
23 275 $23,750 $1,080 $22,670 $580,146
23 276 $23,750 $1,039 $22,711 $557,435
24 277 $23,750 $999 $22,751 $534,684
24 278 $23,750 $958 $22,792 $511,892
24 279 $23,750 $917 $22,833 $489,058
24 280 $23,750 $876 $22,874 $466,184
24 281 $23,750 $835 $22,915 $443,270
24 282 $23,750 $794 $22,956 $420,314
24 283 $23,750 $753 $22,997 $397,316
24 284 $23,750 $712 $23,038 $374,278
24 285 $23,750 $671 $23,080 $351,198
24 286 $23,750 $629 $23,121 $328,077
24 287 $23,750 $588 $23,162 $304,915
24 288 $23,750 $546 $23,204 $281,711
25 289 $23,750 $505 $23,245 $258,466
25 290 $23,750 $463 $23,287 $235,178
25 291 $23,750 $421 $23,329 $211,850
25 292 $23,750 $380 $23,371 $188,479
25 293 $23,750 $338 $23,413 $165,066
25 294 $23,750 $296 $23,454 $141,612
25 295 $23,750 $254 $23,496 $118,115
25 296 $23,750 $212 $23,539 $94,577
25 297 $23,750 $169 $23,581 $70,996
25 298 $23,750 $127 $23,623 $47,373
25 299 $23,750 $85 $23,665 $23,708
25 300 $23,750 $42 $23,708 $0