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$ 26,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 26,650,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$26,000,000
 
Monthly Repayment (HKD)
$168,166
Loan Amount (HKD)
$39,000,000
+
Total Interest (HKD)
$11,449,804
=
Total Repayment (HKD)
$50,449,804
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $168,166 $69,875 $98,291 $38,901,709
1 2 $168,166 $69,699 $98,467 $38,803,242
1 3 $168,166 $69,522 $98,644 $38,704,598
1 4 $168,166 $69,346 $98,820 $38,605,778
1 5 $168,166 $69,169 $98,997 $38,506,781
1 6 $168,166 $68,991 $99,175 $38,407,606
1 7 $168,166 $68,814 $99,352 $38,308,254
1 8 $168,166 $68,636 $99,530 $38,208,723
1 9 $168,166 $68,457 $99,709 $38,109,015
1 10 $168,166 $68,279 $99,887 $38,009,127
1 11 $168,166 $68,100 $100,066 $37,909,061
1 12 $168,166 $67,920 $100,246 $37,808,815
2 13 $168,166 $67,741 $100,425 $37,708,390
2 14 $168,166 $67,561 $100,605 $37,607,785
2 15 $168,166 $67,381 $100,785 $37,506,999
2 16 $168,166 $67,200 $100,966 $37,406,033
2 17 $168,166 $67,019 $101,147 $37,304,887
2 18 $168,166 $66,838 $101,328 $37,203,559
2 19 $168,166 $66,656 $101,510 $37,102,049
2 20 $168,166 $66,475 $101,692 $37,000,357
2 21 $168,166 $66,292 $101,874 $36,898,484
2 22 $168,166 $66,110 $102,056 $36,796,427
2 23 $168,166 $65,927 $102,239 $36,694,188
2 24 $168,166 $65,744 $102,422 $36,591,766
3 25 $168,166 $65,560 $102,606 $36,489,160
3 26 $168,166 $65,376 $102,790 $36,386,371
3 27 $168,166 $65,192 $102,974 $36,283,397
3 28 $168,166 $65,008 $103,158 $36,180,239
3 29 $168,166 $64,823 $103,343 $36,076,896
3 30 $168,166 $64,638 $103,528 $35,973,367
3 31 $168,166 $64,452 $103,714 $35,869,654
3 32 $168,166 $64,266 $103,900 $35,765,754
3 33 $168,166 $64,080 $104,086 $35,661,668
3 34 $168,166 $63,894 $104,272 $35,557,396
3 35 $168,166 $63,707 $104,459 $35,452,937
3 36 $168,166 $63,520 $104,646 $35,348,291
4 37 $168,166 $63,332 $104,834 $35,243,457
4 38 $168,166 $63,145 $105,021 $35,138,436
4 39 $168,166 $62,956 $105,210 $35,033,226
4 40 $168,166 $62,768 $105,398 $34,927,828
4 41 $168,166 $62,579 $105,587 $34,822,241
4 42 $168,166 $62,390 $105,776 $34,716,465
4 43 $168,166 $62,200 $105,966 $34,610,499
4 44 $168,166 $62,010 $106,156 $34,504,344
4 45 $168,166 $61,820 $106,346 $34,397,998
4 46 $168,166 $61,630 $106,536 $34,291,462
4 47 $168,166 $61,439 $106,727 $34,184,735
4 48 $168,166 $61,248 $106,918 $34,077,816
5 49 $168,166 $61,056 $107,110 $33,970,706
5 50 $168,166 $60,864 $107,302 $33,863,404
5 51 $168,166 $60,672 $107,494 $33,755,910
5 52 $168,166 $60,479 $107,687 $33,648,224
5 53 $168,166 $60,286 $107,880 $33,540,344
5 54 $168,166 $60,093 $108,073 $33,432,271
5 55 $168,166 $59,899 $108,267 $33,324,005
5 56 $168,166 $59,706 $108,461 $33,215,544
5 57 $168,166 $59,511 $108,655 $33,106,889
5 58 $168,166 $59,317 $108,850 $32,998,040
5 59 $168,166 $59,121 $109,045 $32,888,995
5 60 $168,166 $58,926 $109,240 $32,779,755
6 61 $168,166 $58,730 $109,436 $32,670,320
6 62 $168,166 $58,534 $109,632 $32,560,688
6 63 $168,166 $58,338 $109,828 $32,450,860
6 64 $168,166 $58,141 $110,025 $32,340,835
6 65 $168,166 $57,944 $110,222 $32,230,613
6 66 $168,166 $57,747 $110,419 $32,120,194
6 67 $168,166 $57,549 $110,617 $32,009,576
6 68 $168,166 $57,350 $110,816 $31,898,761
6 69 $168,166 $57,152 $111,014 $31,787,747
6 70 $168,166 $56,953 $111,213 $31,676,534
6 71 $168,166 $56,754 $111,412 $31,565,121
6 72 $168,166 $56,554 $111,612 $31,453,510
7 73 $168,166 $56,354 $111,812 $31,341,698
7 74 $168,166 $56,154 $112,012 $31,229,686
7 75 $168,166 $55,953 $112,213 $31,117,473
7 76 $168,166 $55,752 $112,414 $31,005,059
7 77 $168,166 $55,551 $112,615 $30,892,444
7 78 $168,166 $55,349 $112,817 $30,779,627
7 79 $168,166 $55,147 $113,019 $30,666,607
7 80 $168,166 $54,944 $113,222 $30,553,386
7 81 $168,166 $54,741 $113,425 $30,439,961
7 82 $168,166 $54,538 $113,628 $30,326,334
7 83 $168,166 $54,335 $113,831 $30,212,502
7 84 $168,166 $54,131 $114,035 $30,098,467
8 85 $168,166 $53,926 $114,240 $29,984,227
8 86 $168,166 $53,722 $114,444 $29,869,783
8 87 $168,166 $53,517 $114,649 $29,755,134
8 88 $168,166 $53,311 $114,855 $29,640,279
8 89 $168,166 $53,105 $115,061 $29,525,218
8 90 $168,166 $52,899 $115,267 $29,409,952
8 91 $168,166 $52,693 $115,473 $29,294,479
8 92 $168,166 $52,486 $115,680 $29,178,799
8 93 $168,166 $52,279 $115,887 $29,062,911
8 94 $168,166 $52,071 $116,095 $28,946,816
8 95 $168,166 $51,863 $116,303 $28,830,513
8 96 $168,166 $51,655 $116,511 $28,714,002
9 97 $168,166 $51,446 $116,720 $28,597,282
9 98 $168,166 $51,237 $116,929 $28,480,353
9 99 $168,166 $51,027 $117,139 $28,363,214
9 100 $168,166 $50,817 $117,349 $28,245,865
9 101 $168,166 $50,607 $117,559 $28,128,306
9 102 $168,166 $50,397 $117,769 $28,010,537
9 103 $168,166 $50,186 $117,980 $27,892,557
9 104 $168,166 $49,974 $118,192 $27,774,365
9 105 $168,166 $49,762 $118,404 $27,655,961
9 106 $168,166 $49,550 $118,616 $27,537,345
9 107 $168,166 $49,338 $118,828 $27,418,517
9 108 $168,166 $49,125 $119,041 $27,299,476
10 109 $168,166 $48,912 $119,254 $27,180,221
10 110 $168,166 $48,698 $119,468 $27,060,753
10 111 $168,166 $48,484 $119,682 $26,941,071
10 112 $168,166 $48,269 $119,897 $26,821,175
10 113 $168,166 $48,055 $120,111 $26,701,063
10 114 $168,166 $47,839 $120,327 $26,580,737
10 115 $168,166 $47,624 $120,542 $26,460,194
10 116 $168,166 $47,408 $120,758 $26,339,436
10 117 $168,166 $47,191 $120,975 $26,218,462
10 118 $168,166 $46,975 $121,191 $26,097,270
10 119 $168,166 $46,758 $121,408 $25,975,862
10 120 $168,166 $46,540 $121,626 $25,854,236
11 121 $168,166 $46,322 $121,844 $25,732,392
11 122 $168,166 $46,104 $122,062 $25,610,330
11 123 $168,166 $45,885 $122,281 $25,488,049
11 124 $168,166 $45,666 $122,500 $25,365,549
11 125 $168,166 $45,447 $122,719 $25,242,830
11 126 $168,166 $45,227 $122,939 $25,119,891
11 127 $168,166 $45,006 $123,160 $24,996,731
11 128 $168,166 $44,786 $123,380 $24,873,351
11 129 $168,166 $44,565 $123,601 $24,749,750
11 130 $168,166 $44,343 $123,823 $24,625,927
11 131 $168,166 $44,121 $124,045 $24,501,882
11 132 $168,166 $43,899 $124,267 $24,377,616
12 133 $168,166 $43,677 $124,489 $24,253,126
12 134 $168,166 $43,454 $124,712 $24,128,414
12 135 $168,166 $43,230 $124,936 $24,003,478
12 136 $168,166 $43,006 $125,160 $23,878,318
12 137 $168,166 $42,782 $125,384 $23,752,934
12 138 $168,166 $42,557 $125,609 $23,627,325
12 139 $168,166 $42,332 $125,834 $23,501,491
12 140 $168,166 $42,107 $126,059 $23,375,432
12 141 $168,166 $41,881 $126,285 $23,249,147
12 142 $168,166 $41,655 $126,511 $23,122,636
12 143 $168,166 $41,428 $126,738 $22,995,898
12 144 $168,166 $41,201 $126,965 $22,868,933
13 145 $168,166 $40,974 $127,193 $22,741,740
13 146 $168,166 $40,746 $127,420 $22,614,320
13 147 $168,166 $40,517 $127,649 $22,486,671
13 148 $168,166 $40,289 $127,877 $22,358,794
13 149 $168,166 $40,060 $128,107 $22,230,687
13 150 $168,166 $39,830 $128,336 $22,102,351
13 151 $168,166 $39,600 $128,566 $21,973,786
13 152 $168,166 $39,370 $128,796 $21,844,989
13 153 $168,166 $39,139 $129,027 $21,715,962
13 154 $168,166 $38,908 $129,258 $21,586,704
13 155 $168,166 $38,676 $129,490 $21,457,214
13 156 $168,166 $38,444 $129,722 $21,327,492
14 157 $168,166 $38,212 $129,954 $21,197,538
14 158 $168,166 $37,979 $130,187 $21,067,351
14 159 $168,166 $37,746 $130,420 $20,936,930
14 160 $168,166 $37,512 $130,654 $20,806,276
14 161 $168,166 $37,278 $130,888 $20,675,388
14 162 $168,166 $37,043 $131,123 $20,544,266
14 163 $168,166 $36,808 $131,358 $20,412,908
14 164 $168,166 $36,573 $131,593 $20,281,315
14 165 $168,166 $36,337 $131,829 $20,149,487
14 166 $168,166 $36,101 $132,065 $20,017,422
14 167 $168,166 $35,865 $132,301 $19,885,120
14 168 $168,166 $35,628 $132,539 $19,752,582
15 169 $168,166 $35,390 $132,776 $19,619,806
15 170 $168,166 $35,152 $133,014 $19,486,792
15 171 $168,166 $34,914 $133,252 $19,353,540
15 172 $168,166 $34,675 $133,491 $19,220,049
15 173 $168,166 $34,436 $133,730 $19,086,319
15 174 $168,166 $34,196 $133,970 $18,952,349
15 175 $168,166 $33,956 $134,210 $18,818,139
15 176 $168,166 $33,716 $134,450 $18,683,689
15 177 $168,166 $33,475 $134,691 $18,548,998
15 178 $168,166 $33,234 $134,932 $18,414,066
15 179 $168,166 $32,992 $135,174 $18,278,892
15 180 $168,166 $32,750 $135,416 $18,143,475
16 181 $168,166 $32,507 $135,659 $18,007,816
16 182 $168,166 $32,264 $135,902 $17,871,914
16 183 $168,166 $32,021 $136,146 $17,735,769
16 184 $168,166 $31,777 $136,389 $17,599,379
16 185 $168,166 $31,532 $136,634 $17,462,746
16 186 $168,166 $31,287 $136,879 $17,325,867
16 187 $168,166 $31,042 $137,124 $17,188,743
16 188 $168,166 $30,796 $137,370 $17,051,374
16 189 $168,166 $30,550 $137,616 $16,913,758
16 190 $168,166 $30,304 $137,862 $16,775,896
16 191 $168,166 $30,057 $138,109 $16,637,787
16 192 $168,166 $29,809 $138,357 $16,499,430
17 193 $168,166 $29,561 $138,605 $16,360,825
17 194 $168,166 $29,313 $138,853 $16,221,973
17 195 $168,166 $29,064 $139,102 $16,082,871
17 196 $168,166 $28,815 $139,351 $15,943,520
17 197 $168,166 $28,565 $139,601 $15,803,920
17 198 $168,166 $28,315 $139,851 $15,664,069
17 199 $168,166 $28,065 $140,101 $15,523,968
17 200 $168,166 $27,814 $140,352 $15,383,615
17 201 $168,166 $27,562 $140,604 $15,243,012
17 202 $168,166 $27,310 $140,856 $15,102,156
17 203 $168,166 $27,058 $141,108 $14,961,048
17 204 $168,166 $26,805 $141,361 $14,819,687
18 205 $168,166 $26,552 $141,614 $14,678,073
18 206 $168,166 $26,298 $141,868 $14,536,205
18 207 $168,166 $26,044 $142,122 $14,394,083
18 208 $168,166 $25,789 $142,377 $14,251,707
18 209 $168,166 $25,534 $142,632 $14,109,075
18 210 $168,166 $25,279 $142,887 $13,966,188
18 211 $168,166 $25,023 $143,143 $13,823,045
18 212 $168,166 $24,766 $143,400 $13,679,645
18 213 $168,166 $24,509 $143,657 $13,535,988
18 214 $168,166 $24,252 $143,914 $13,392,074
18 215 $168,166 $23,994 $144,172 $13,247,902
18 216 $168,166 $23,736 $144,430 $13,103,472
19 217 $168,166 $23,477 $144,689 $12,958,783
19 218 $168,166 $23,218 $144,948 $12,813,835
19 219 $168,166 $22,958 $145,208 $12,668,627
19 220 $168,166 $22,698 $145,468 $12,523,159
19 221 $168,166 $22,437 $145,729 $12,377,430
19 222 $168,166 $22,176 $145,990 $12,231,441
19 223 $168,166 $21,915 $146,251 $12,085,189
19 224 $168,166 $21,653 $146,513 $11,938,676
19 225 $168,166 $21,390 $146,776 $11,791,900
19 226 $168,166 $21,127 $147,039 $11,644,861
19 227 $168,166 $20,864 $147,302 $11,497,559
19 228 $168,166 $20,600 $147,566 $11,349,993
20 229 $168,166 $20,335 $147,831 $11,202,162
20 230 $168,166 $20,071 $148,095 $11,054,067
20 231 $168,166 $19,805 $148,361 $10,905,706
20 232 $168,166 $19,539 $148,627 $10,757,079
20 233 $168,166 $19,273 $148,893 $10,608,186
20 234 $168,166 $19,006 $149,160 $10,459,026
20 235 $168,166 $18,739 $149,427 $10,309,600
20 236 $168,166 $18,471 $149,695 $10,159,905
20 237 $168,166 $18,203 $149,963 $10,009,942
20 238 $168,166 $17,934 $150,232 $9,859,711
20 239 $168,166 $17,665 $150,501 $9,709,210
20 240 $168,166 $17,396 $150,770 $9,558,439
21 241 $168,166 $17,126 $151,040 $9,407,399
21 242 $168,166 $16,855 $151,311 $9,256,088
21 243 $168,166 $16,584 $151,582 $9,104,506
21 244 $168,166 $16,312 $151,854 $8,952,652
21 245 $168,166 $16,040 $152,126 $8,800,526
21 246 $168,166 $15,768 $152,398 $8,648,128
21 247 $168,166 $15,495 $152,671 $8,495,456
21 248 $168,166 $15,221 $152,945 $8,342,511
21 249 $168,166 $14,947 $153,219 $8,189,292
21 250 $168,166 $14,672 $153,494 $8,035,799
21 251 $168,166 $14,397 $153,769 $7,882,030
21 252 $168,166 $14,122 $154,044 $7,727,986
22 253 $168,166 $13,846 $154,320 $7,573,666
22 254 $168,166 $13,569 $154,597 $7,419,070
22 255 $168,166 $13,292 $154,874 $7,264,196
22 256 $168,166 $13,015 $155,151 $7,109,045
22 257 $168,166 $12,737 $155,429 $6,953,616
22 258 $168,166 $12,459 $155,707 $6,797,909
22 259 $168,166 $12,180 $155,986 $6,641,922
22 260 $168,166 $11,900 $156,266 $6,485,656
22 261 $168,166 $11,620 $156,546 $6,329,110
22 262 $168,166 $11,340 $156,826 $6,172,284
22 263 $168,166 $11,059 $157,107 $6,015,177
22 264 $168,166 $10,777 $157,389 $5,857,788
23 265 $168,166 $10,495 $157,671 $5,700,117
23 266 $168,166 $10,213 $157,953 $5,542,164
23 267 $168,166 $9,930 $158,236 $5,383,928
23 268 $168,166 $9,646 $158,520 $5,225,408
23 269 $168,166 $9,362 $158,804 $5,066,604
23 270 $168,166 $9,078 $159,088 $4,907,516
23 271 $168,166 $8,793 $159,373 $4,748,142
23 272 $168,166 $8,507 $159,659 $4,588,483
23 273 $168,166 $8,221 $159,945 $4,428,538
23 274 $168,166 $7,934 $160,232 $4,268,307
23 275 $168,166 $7,647 $160,519 $4,107,788
23 276 $168,166 $7,360 $160,806 $3,946,982
24 277 $168,166 $7,072 $161,094 $3,785,887
24 278 $168,166 $6,783 $161,383 $3,624,505
24 279 $168,166 $6,494 $161,672 $3,462,832
24 280 $168,166 $6,204 $161,962 $3,300,871
24 281 $168,166 $5,914 $162,252 $3,138,619
24 282 $168,166 $5,623 $162,543 $2,976,076
24 283 $168,166 $5,332 $162,834 $2,813,242
24 284 $168,166 $5,040 $163,126 $2,650,117
24 285 $168,166 $4,748 $163,418 $2,486,699
24 286 $168,166 $4,455 $163,711 $2,322,988
24 287 $168,166 $4,162 $164,004 $2,158,984
24 288 $168,166 $3,868 $164,298 $1,994,686
25 289 $168,166 $3,574 $164,592 $1,830,094
25 290 $168,166 $3,279 $164,887 $1,665,207
25 291 $168,166 $2,983 $165,183 $1,500,024
25 292 $168,166 $2,688 $165,478 $1,334,546
25 293 $168,166 $2,391 $165,775 $1,168,771
25 294 $168,166 $2,094 $166,072 $1,002,699
25 295 $168,166 $1,797 $166,370 $836,329
25 296 $168,166 $1,498 $166,668 $669,662
25 297 $168,166 $1,200 $166,966 $502,696
25 298 $168,166 $901 $167,265 $335,430
25 299 $168,166 $601 $167,565 $167,865
25 300 $168,166 $301 $167,865 $0