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$ 10,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 10,865,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$10,600,000
 
Monthly Repayment (HKD)
$68,560
Loan Amount (HKD)
$15,900,000
+
Total Interest (HKD)
$4,667,997
=
Total Repayment (HKD)
$20,567,997
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $68,560 $28,488 $40,072 $15,859,928
1 2 $68,560 $28,416 $40,144 $15,819,783
1 3 $68,560 $28,344 $40,216 $15,779,567
1 4 $68,560 $28,272 $40,288 $15,739,279
1 5 $68,560 $28,200 $40,360 $15,698,918
1 6 $68,560 $28,127 $40,433 $15,658,486
1 7 $68,560 $28,055 $40,505 $15,617,980
1 8 $68,560 $27,982 $40,578 $15,577,403
1 9 $68,560 $27,910 $40,650 $15,536,752
1 10 $68,560 $27,837 $40,723 $15,496,029
1 11 $68,560 $27,764 $40,796 $15,455,232
1 12 $68,560 $27,691 $40,869 $15,414,363
2 13 $68,560 $27,617 $40,943 $15,373,421
2 14 $68,560 $27,544 $41,016 $15,332,405
2 15 $68,560 $27,471 $41,089 $15,291,315
2 16 $68,560 $27,397 $41,163 $15,250,152
2 17 $68,560 $27,323 $41,237 $15,208,915
2 18 $68,560 $27,249 $41,311 $15,167,605
2 19 $68,560 $27,175 $41,385 $15,126,220
2 20 $68,560 $27,101 $41,459 $15,084,761
2 21 $68,560 $27,027 $41,533 $15,043,228
2 22 $68,560 $26,952 $41,608 $15,001,620
2 23 $68,560 $26,878 $41,682 $14,959,938
2 24 $68,560 $26,803 $41,757 $14,918,182
3 25 $68,560 $26,728 $41,832 $14,876,350
3 26 $68,560 $26,653 $41,907 $14,834,443
3 27 $68,560 $26,578 $41,982 $14,792,462
3 28 $68,560 $26,503 $42,057 $14,750,405
3 29 $68,560 $26,428 $42,132 $14,708,273
3 30 $68,560 $26,352 $42,208 $14,666,065
3 31 $68,560 $26,277 $42,283 $14,623,782
3 32 $68,560 $26,201 $42,359 $14,581,423
3 33 $68,560 $26,125 $42,435 $14,538,988
3 34 $68,560 $26,049 $42,511 $14,496,477
3 35 $68,560 $25,973 $42,587 $14,453,890
3 36 $68,560 $25,897 $42,663 $14,411,226
4 37 $68,560 $25,820 $42,740 $14,368,486
4 38 $68,560 $25,744 $42,816 $14,325,670
4 39 $68,560 $25,667 $42,893 $14,282,777
4 40 $68,560 $25,590 $42,970 $14,239,807
4 41 $68,560 $25,513 $43,047 $14,196,760
4 42 $68,560 $25,436 $43,124 $14,153,636
4 43 $68,560 $25,359 $43,201 $14,110,434
4 44 $68,560 $25,281 $43,279 $14,067,156
4 45 $68,560 $25,204 $43,356 $14,023,799
4 46 $68,560 $25,126 $43,434 $13,980,365
4 47 $68,560 $25,048 $43,512 $13,936,853
4 48 $68,560 $24,970 $43,590 $13,893,264
5 49 $68,560 $24,892 $43,668 $13,849,596
5 50 $68,560 $24,814 $43,746 $13,805,850
5 51 $68,560 $24,735 $43,825 $13,762,025
5 52 $68,560 $24,657 $43,903 $13,718,122
5 53 $68,560 $24,578 $43,982 $13,674,140
5 54 $68,560 $24,500 $44,060 $13,630,080
5 55 $68,560 $24,421 $44,139 $13,585,940
5 56 $68,560 $24,341 $44,219 $13,541,722
5 57 $68,560 $24,262 $44,298 $13,497,424
5 58 $68,560 $24,183 $44,377 $13,453,047
5 59 $68,560 $24,103 $44,457 $13,408,590
5 60 $68,560 $24,024 $44,536 $13,364,054
6 61 $68,560 $23,944 $44,616 $13,319,438
6 62 $68,560 $23,864 $44,696 $13,274,742
6 63 $68,560 $23,784 $44,776 $13,229,966
6 64 $68,560 $23,704 $44,856 $13,185,110
6 65 $68,560 $23,623 $44,937 $13,140,173
6 66 $68,560 $23,543 $45,017 $13,095,156
6 67 $68,560 $23,462 $45,098 $13,050,058
6 68 $68,560 $23,381 $45,179 $13,004,879
6 69 $68,560 $23,300 $45,260 $12,959,620
6 70 $68,560 $23,219 $45,341 $12,914,279
6 71 $68,560 $23,138 $45,422 $12,868,857
6 72 $68,560 $23,057 $45,503 $12,823,354
7 73 $68,560 $22,975 $45,585 $12,777,769
7 74 $68,560 $22,894 $45,666 $12,732,103
7 75 $68,560 $22,812 $45,748 $12,686,354
7 76 $68,560 $22,730 $45,830 $12,640,524
7 77 $68,560 $22,648 $45,912 $12,594,612
7 78 $68,560 $22,565 $45,995 $12,548,617
7 79 $68,560 $22,483 $46,077 $12,502,540
7 80 $68,560 $22,400 $46,160 $12,456,380
7 81 $68,560 $22,318 $46,242 $12,410,138
7 82 $68,560 $22,235 $46,325 $12,363,813
7 83 $68,560 $22,152 $46,408 $12,317,405
7 84 $68,560 $22,069 $46,491 $12,270,913
8 85 $68,560 $21,985 $46,575 $12,224,339
8 86 $68,560 $21,902 $46,658 $12,177,681
8 87 $68,560 $21,818 $46,742 $12,130,939
8 88 $68,560 $21,735 $46,825 $12,084,114
8 89 $68,560 $21,651 $46,909 $12,037,204
8 90 $68,560 $21,567 $46,993 $11,990,211
8 91 $68,560 $21,482 $47,078 $11,943,134
8 92 $68,560 $21,398 $47,162 $11,895,972
8 93 $68,560 $21,314 $47,246 $11,848,725
8 94 $68,560 $21,229 $47,331 $11,801,394
8 95 $68,560 $21,144 $47,416 $11,753,978
8 96 $68,560 $21,059 $47,501 $11,706,478
9 97 $68,560 $20,974 $47,586 $11,658,892
9 98 $68,560 $20,889 $47,671 $11,611,221
9 99 $68,560 $20,803 $47,757 $11,563,464
9 100 $68,560 $20,718 $47,842 $11,515,622
9 101 $68,560 $20,632 $47,928 $11,467,694
9 102 $68,560 $20,546 $48,014 $11,419,680
9 103 $68,560 $20,460 $48,100 $11,371,581
9 104 $68,560 $20,374 $48,186 $11,323,395
9 105 $68,560 $20,288 $48,272 $11,275,123
9 106 $68,560 $20,201 $48,359 $11,226,764
9 107 $68,560 $20,115 $48,445 $11,178,319
9 108 $68,560 $20,028 $48,532 $11,129,786
10 109 $68,560 $19,941 $48,619 $11,081,167
10 110 $68,560 $19,854 $48,706 $11,032,461
10 111 $68,560 $19,766 $48,793 $10,983,667
10 112 $68,560 $19,679 $48,881 $10,934,787
10 113 $68,560 $19,591 $48,968 $10,885,818
10 114 $68,560 $19,504 $49,056 $10,836,762
10 115 $68,560 $19,416 $49,144 $10,787,618
10 116 $68,560 $19,328 $49,232 $10,738,386
10 117 $68,560 $19,240 $49,320 $10,689,065
10 118 $68,560 $19,151 $49,409 $10,639,656
10 119 $68,560 $19,063 $49,497 $10,590,159
10 120 $68,560 $18,974 $49,586 $10,540,573
11 121 $68,560 $18,885 $49,675 $10,490,898
11 122 $68,560 $18,796 $49,764 $10,441,135
11 123 $68,560 $18,707 $49,853 $10,391,282
11 124 $68,560 $18,618 $49,942 $10,341,339
11 125 $68,560 $18,528 $50,032 $10,291,308
11 126 $68,560 $18,439 $50,121 $10,241,186
11 127 $68,560 $18,349 $50,211 $10,190,975
11 128 $68,560 $18,259 $50,301 $10,140,674
11 129 $68,560 $18,169 $50,391 $10,090,283
11 130 $68,560 $18,078 $50,482 $10,039,801
11 131 $68,560 $17,988 $50,572 $9,989,229
11 132 $68,560 $17,897 $50,663 $9,938,566
12 133 $68,560 $17,807 $50,753 $9,887,813
12 134 $68,560 $17,716 $50,844 $9,836,969
12 135 $68,560 $17,625 $50,935 $9,786,033
12 136 $68,560 $17,533 $51,027 $9,735,007
12 137 $68,560 $17,442 $51,118 $9,683,888
12 138 $68,560 $17,350 $51,210 $9,632,679
12 139 $68,560 $17,259 $51,301 $9,581,377
12 140 $68,560 $17,167 $51,393 $9,529,984
12 141 $68,560 $17,075 $51,485 $9,478,499
12 142 $68,560 $16,982 $51,578 $9,426,921
12 143 $68,560 $16,890 $51,670 $9,375,251
12 144 $68,560 $16,797 $51,763 $9,323,488
13 145 $68,560 $16,705 $51,855 $9,271,633
13 146 $68,560 $16,612 $51,948 $9,219,684
13 147 $68,560 $16,519 $52,041 $9,167,643
13 148 $68,560 $16,425 $52,135 $9,115,508
13 149 $68,560 $16,332 $52,228 $9,063,280
13 150 $68,560 $16,238 $52,322 $9,010,959
13 151 $68,560 $16,145 $52,415 $8,958,543
13 152 $68,560 $16,051 $52,509 $8,906,034
13 153 $68,560 $15,957 $52,603 $8,853,431
13 154 $68,560 $15,862 $52,698 $8,800,733
13 155 $68,560 $15,768 $52,792 $8,747,941
13 156 $68,560 $15,673 $52,887 $8,695,055
14 157 $68,560 $15,579 $52,981 $8,642,073
14 158 $68,560 $15,484 $53,076 $8,588,997
14 159 $68,560 $15,389 $53,171 $8,535,826
14 160 $68,560 $15,293 $53,267 $8,482,559
14 161 $68,560 $15,198 $53,362 $8,429,197
14 162 $68,560 $15,102 $53,458 $8,375,739
14 163 $68,560 $15,007 $53,553 $8,322,186
14 164 $68,560 $14,911 $53,649 $8,268,536
14 165 $68,560 $14,814 $53,746 $8,214,791
14 166 $68,560 $14,718 $53,842 $8,160,949
14 167 $68,560 $14,622 $53,938 $8,107,011
14 168 $68,560 $14,525 $54,035 $8,052,976
15 169 $68,560 $14,428 $54,132 $7,998,844
15 170 $68,560 $14,331 $54,229 $7,944,615
15 171 $68,560 $14,234 $54,326 $7,890,289
15 172 $68,560 $14,137 $54,423 $7,835,866
15 173 $68,560 $14,039 $54,521 $7,781,345
15 174 $68,560 $13,942 $54,618 $7,726,727
15 175 $68,560 $13,844 $54,716 $7,672,011
15 176 $68,560 $13,746 $54,814 $7,617,196
15 177 $68,560 $13,647 $54,913 $7,562,284
15 178 $68,560 $13,549 $55,011 $7,507,273
15 179 $68,560 $13,451 $55,109 $7,452,164
15 180 $68,560 $13,352 $55,208 $7,396,955
16 181 $68,560 $13,253 $55,307 $7,341,648
16 182 $68,560 $13,154 $55,406 $7,286,242
16 183 $68,560 $13,055 $55,505 $7,230,737
16 184 $68,560 $12,955 $55,605 $7,175,132
16 185 $68,560 $12,855 $55,705 $7,119,427
16 186 $68,560 $12,756 $55,804 $7,063,623
16 187 $68,560 $12,656 $55,904 $7,007,718
16 188 $68,560 $12,555 $56,004 $6,951,714
16 189 $68,560 $12,455 $56,105 $6,895,609
16 190 $68,560 $12,355 $56,205 $6,839,404
16 191 $68,560 $12,254 $56,306 $6,783,098
16 192 $68,560 $12,153 $56,407 $6,726,691
17 193 $68,560 $12,052 $56,508 $6,670,183
17 194 $68,560 $11,951 $56,609 $6,613,573
17 195 $68,560 $11,849 $56,711 $6,556,863
17 196 $68,560 $11,748 $56,812 $6,500,051
17 197 $68,560 $11,646 $56,914 $6,443,136
17 198 $68,560 $11,544 $57,016 $6,386,120
17 199 $68,560 $11,442 $57,118 $6,329,002
17 200 $68,560 $11,339 $57,221 $6,271,782
17 201 $68,560 $11,237 $57,323 $6,214,459
17 202 $68,560 $11,134 $57,426 $6,157,033
17 203 $68,560 $11,031 $57,529 $6,099,504
17 204 $68,560 $10,928 $57,632 $6,041,873
18 205 $68,560 $10,825 $57,735 $5,984,138
18 206 $68,560 $10,722 $57,838 $5,926,299
18 207 $68,560 $10,618 $57,942 $5,868,357
18 208 $68,560 $10,514 $58,046 $5,810,311
18 209 $68,560 $10,410 $58,150 $5,752,161
18 210 $68,560 $10,306 $58,254 $5,693,907
18 211 $68,560 $10,202 $58,358 $5,635,549
18 212 $68,560 $10,097 $58,463 $5,577,086
18 213 $68,560 $9,992 $58,568 $5,518,518
18 214 $68,560 $9,887 $58,673 $5,459,846
18 215 $68,560 $9,782 $58,778 $5,401,068
18 216 $68,560 $9,677 $58,883 $5,342,185
19 217 $68,560 $9,571 $58,989 $5,283,196
19 218 $68,560 $9,466 $59,094 $5,224,102
19 219 $68,560 $9,360 $59,200 $5,164,902
19 220 $68,560 $9,254 $59,306 $5,105,596
19 221 $68,560 $9,148 $59,412 $5,046,183
19 222 $68,560 $9,041 $59,519 $4,986,664
19 223 $68,560 $8,934 $59,626 $4,927,039
19 224 $68,560 $8,828 $59,732 $4,867,306
19 225 $68,560 $8,721 $59,839 $4,807,467
19 226 $68,560 $8,613 $59,947 $4,747,520
19 227 $68,560 $8,506 $60,054 $4,687,466
19 228 $68,560 $8,398 $60,162 $4,627,305
20 229 $68,560 $8,291 $60,269 $4,567,035
20 230 $68,560 $8,183 $60,377 $4,506,658
20 231 $68,560 $8,074 $60,486 $4,446,172
20 232 $68,560 $7,966 $60,594 $4,385,578
20 233 $68,560 $7,857 $60,702 $4,324,876
20 234 $68,560 $7,749 $60,811 $4,264,065
20 235 $68,560 $7,640 $60,920 $4,203,144
20 236 $68,560 $7,531 $61,029 $4,142,115
20 237 $68,560 $7,421 $61,139 $4,080,976
20 238 $68,560 $7,312 $61,248 $4,019,728
20 239 $68,560 $7,202 $61,358 $3,958,370
20 240 $68,560 $7,092 $61,468 $3,896,902
21 241 $68,560 $6,982 $61,578 $3,835,324
21 242 $68,560 $6,872 $61,688 $3,773,636
21 243 $68,560 $6,761 $61,799 $3,711,837
21 244 $68,560 $6,650 $61,910 $3,649,927
21 245 $68,560 $6,539 $62,021 $3,587,907
21 246 $68,560 $6,428 $62,132 $3,525,775
21 247 $68,560 $6,317 $62,243 $3,463,532
21 248 $68,560 $6,205 $62,354 $3,401,178
21 249 $68,560 $6,094 $62,466 $3,338,711
21 250 $68,560 $5,982 $62,578 $3,276,133
21 251 $68,560 $5,870 $62,690 $3,213,443
21 252 $68,560 $5,757 $62,803 $3,150,641
22 253 $68,560 $5,645 $62,915 $3,087,725
22 254 $68,560 $5,532 $63,028 $3,024,698
22 255 $68,560 $5,419 $63,141 $2,961,557
22 256 $68,560 $5,306 $63,254 $2,898,303
22 257 $68,560 $5,193 $63,367 $2,834,936
22 258 $68,560 $5,079 $63,481 $2,771,455
22 259 $68,560 $4,966 $63,594 $2,707,861
22 260 $68,560 $4,852 $63,708 $2,644,152
22 261 $68,560 $4,737 $63,823 $2,580,330
22 262 $68,560 $4,623 $63,937 $2,516,393
22 263 $68,560 $4,509 $64,051 $2,452,341
22 264 $68,560 $4,394 $64,166 $2,388,175
23 265 $68,560 $4,279 $64,281 $2,323,894
23 266 $68,560 $4,164 $64,396 $2,259,498
23 267 $68,560 $4,048 $64,512 $2,194,986
23 268 $68,560 $3,933 $64,627 $2,130,359
23 269 $68,560 $3,817 $64,743 $2,065,615
23 270 $68,560 $3,701 $64,859 $2,000,756
23 271 $68,560 $3,585 $64,975 $1,935,781
23 272 $68,560 $3,468 $65,092 $1,870,689
23 273 $68,560 $3,352 $65,208 $1,805,481
23 274 $68,560 $3,235 $65,325 $1,740,156
23 275 $68,560 $3,118 $65,442 $1,674,714
23 276 $68,560 $3,001 $65,559 $1,609,154
24 277 $68,560 $2,883 $65,677 $1,543,477
24 278 $68,560 $2,765 $65,795 $1,477,683
24 279 $68,560 $2,648 $65,912 $1,411,770
24 280 $68,560 $2,529 $66,031 $1,345,740
24 281 $68,560 $2,411 $66,149 $1,279,591
24 282 $68,560 $2,293 $66,267 $1,213,323
24 283 $68,560 $2,174 $66,386 $1,146,937
24 284 $68,560 $2,055 $66,505 $1,080,432
24 285 $68,560 $1,936 $66,624 $1,013,808
24 286 $68,560 $1,816 $66,744 $947,064
24 287 $68,560 $1,697 $66,863 $880,201
24 288 $68,560 $1,577 $66,983 $813,218
25 289 $68,560 $1,457 $67,103 $746,115
25 290 $68,560 $1,337 $67,223 $678,892
25 291 $68,560 $1,216 $67,344 $611,548
25 292 $68,560 $1,096 $67,464 $544,084
25 293 $68,560 $975 $67,585 $476,499
25 294 $68,560 $854 $67,706 $408,793
25 295 $68,560 $732 $67,828 $340,965
25 296 $68,560 $611 $67,949 $273,016
25 297 $68,560 $489 $68,071 $204,945
25 298 $68,560 $367 $68,193 $136,752
25 299 $68,560 $245 $68,315 $68,437
25 300 $68,560 $123 $68,437 $0