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$ 16,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 17,343,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$16,920,000
 
Monthly Repayment (HKD)
$109,437
Loan Amount (HKD)
$25,380,000
+
Total Interest (HKD)
$7,451,180
=
Total Repayment (HKD)
$32,831,180
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $109,437 $45,473 $63,965 $25,316,035
1 2 $109,437 $45,358 $64,079 $25,251,956
1 3 $109,437 $45,243 $64,194 $25,187,762
1 4 $109,437 $45,128 $64,309 $25,123,452
1 5 $109,437 $45,013 $64,424 $25,059,028
1 6 $109,437 $44,897 $64,540 $24,994,488
1 7 $109,437 $44,782 $64,655 $24,929,833
1 8 $109,437 $44,666 $64,771 $24,865,061
1 9 $109,437 $44,550 $64,887 $24,800,174
1 10 $109,437 $44,434 $65,004 $24,735,170
1 11 $109,437 $44,317 $65,120 $24,670,050
1 12 $109,437 $44,201 $65,237 $24,604,814
2 13 $109,437 $44,084 $65,354 $24,539,460
2 14 $109,437 $43,967 $65,471 $24,473,989
2 15 $109,437 $43,849 $65,588 $24,408,401
2 16 $109,437 $43,732 $65,706 $24,342,696
2 17 $109,437 $43,614 $65,823 $24,276,872
2 18 $109,437 $43,496 $65,941 $24,210,931
2 19 $109,437 $43,378 $66,059 $24,144,872
2 20 $109,437 $43,260 $66,178 $24,078,694
2 21 $109,437 $43,141 $66,296 $24,012,398
2 22 $109,437 $43,022 $66,415 $23,945,983
2 23 $109,437 $42,903 $66,534 $23,879,449
2 24 $109,437 $42,784 $66,653 $23,812,795
3 25 $109,437 $42,665 $66,773 $23,746,023
3 26 $109,437 $42,545 $66,892 $23,679,130
3 27 $109,437 $42,425 $67,012 $23,612,118
3 28 $109,437 $42,305 $67,132 $23,544,986
3 29 $109,437 $42,185 $67,253 $23,477,734
3 30 $109,437 $42,064 $67,373 $23,410,361
3 31 $109,437 $41,944 $67,494 $23,342,867
3 32 $109,437 $41,823 $67,615 $23,275,252
3 33 $109,437 $41,701 $67,736 $23,207,517
3 34 $109,437 $41,580 $67,857 $23,139,659
3 35 $109,437 $41,459 $67,979 $23,071,681
3 36 $109,437 $41,337 $68,101 $23,003,580
4 37 $109,437 $41,215 $68,223 $22,935,358
4 38 $109,437 $41,093 $68,345 $22,867,013
4 39 $109,437 $40,970 $68,467 $22,798,546
4 40 $109,437 $40,847 $68,590 $22,729,956
4 41 $109,437 $40,725 $68,713 $22,661,243
4 42 $109,437 $40,601 $68,836 $22,592,407
4 43 $109,437 $40,478 $68,959 $22,523,448
4 44 $109,437 $40,355 $69,083 $22,454,365
4 45 $109,437 $40,231 $69,207 $22,385,159
4 46 $109,437 $40,107 $69,331 $22,315,828
4 47 $109,437 $39,983 $69,455 $22,246,373
4 48 $109,437 $39,858 $69,579 $22,176,794
5 49 $109,437 $39,733 $69,704 $22,107,090
5 50 $109,437 $39,609 $69,829 $22,037,262
5 51 $109,437 $39,483 $69,954 $21,967,308
5 52 $109,437 $39,358 $70,079 $21,897,229
5 53 $109,437 $39,233 $70,205 $21,827,024
5 54 $109,437 $39,107 $70,331 $21,756,693
5 55 $109,437 $38,981 $70,457 $21,686,237
5 56 $109,437 $38,855 $70,583 $21,615,654
5 57 $109,437 $38,728 $70,709 $21,544,945
5 58 $109,437 $38,601 $70,836 $21,474,109
5 59 $109,437 $38,474 $70,963 $21,403,146
5 60 $109,437 $38,347 $71,090 $21,332,056
6 61 $109,437 $38,220 $71,217 $21,260,839
6 62 $109,437 $38,092 $71,345 $21,189,494
6 63 $109,437 $37,965 $71,473 $21,118,021
6 64 $109,437 $37,836 $71,601 $21,046,420
6 65 $109,437 $37,708 $71,729 $20,974,691
6 66 $109,437 $37,580 $71,858 $20,902,834
6 67 $109,437 $37,451 $71,986 $20,830,847
6 68 $109,437 $37,322 $72,115 $20,758,732
6 69 $109,437 $37,193 $72,245 $20,686,487
6 70 $109,437 $37,063 $72,374 $20,614,113
6 71 $109,437 $36,934 $72,504 $20,541,610
6 72 $109,437 $36,804 $72,634 $20,468,976
7 73 $109,437 $36,674 $72,764 $20,396,213
7 74 $109,437 $36,543 $72,894 $20,323,319
7 75 $109,437 $36,413 $73,025 $20,250,294
7 76 $109,437 $36,282 $73,155 $20,177,138
7 77 $109,437 $36,151 $73,287 $20,103,852
7 78 $109,437 $36,019 $73,418 $20,030,434
7 79 $109,437 $35,888 $73,549 $19,956,885
7 80 $109,437 $35,756 $73,681 $19,883,203
7 81 $109,437 $35,624 $73,813 $19,809,390
7 82 $109,437 $35,492 $73,945 $19,735,445
7 83 $109,437 $35,359 $74,078 $19,661,367
7 84 $109,437 $35,227 $74,211 $19,587,156
8 85 $109,437 $35,094 $74,344 $19,512,813
8 86 $109,437 $34,960 $74,477 $19,438,336
8 87 $109,437 $34,827 $74,610 $19,363,725
8 88 $109,437 $34,693 $74,744 $19,288,982
8 89 $109,437 $34,559 $74,878 $19,214,104
8 90 $109,437 $34,425 $75,012 $19,139,092
8 91 $109,437 $34,291 $75,146 $19,063,945
8 92 $109,437 $34,156 $75,281 $18,988,664
8 93 $109,437 $34,021 $75,416 $18,913,248
8 94 $109,437 $33,886 $75,551 $18,837,697
8 95 $109,437 $33,751 $75,686 $18,762,011
8 96 $109,437 $33,615 $75,822 $18,686,189
9 97 $109,437 $33,479 $75,958 $18,610,231
9 98 $109,437 $33,343 $76,094 $18,534,137
9 99 $109,437 $33,207 $76,230 $18,457,907
9 100 $109,437 $33,070 $76,367 $18,381,540
9 101 $109,437 $32,934 $76,504 $18,305,036
9 102 $109,437 $32,797 $76,641 $18,228,396
9 103 $109,437 $32,659 $76,778 $18,151,618
9 104 $109,437 $32,522 $76,916 $18,074,702
9 105 $109,437 $32,384 $77,053 $17,997,649
9 106 $109,437 $32,246 $77,191 $17,920,457
9 107 $109,437 $32,107 $77,330 $17,843,127
9 108 $109,437 $31,969 $77,468 $17,765,659
10 109 $109,437 $31,830 $77,607 $17,688,052
10 110 $109,437 $31,691 $77,746 $17,610,306
10 111 $109,437 $31,552 $77,885 $17,532,420
10 112 $109,437 $31,412 $78,025 $17,454,395
10 113 $109,437 $31,272 $78,165 $17,376,230
10 114 $109,437 $31,132 $78,305 $17,297,925
10 115 $109,437 $30,992 $78,445 $17,219,480
10 116 $109,437 $30,852 $78,586 $17,140,895
10 117 $109,437 $30,711 $78,726 $17,062,168
10 118 $109,437 $30,570 $78,868 $16,983,301
10 119 $109,437 $30,428 $79,009 $16,904,292
10 120 $109,437 $30,287 $79,150 $16,825,141
11 121 $109,437 $30,145 $79,292 $16,745,849
11 122 $109,437 $30,003 $79,434 $16,666,415
11 123 $109,437 $29,861 $79,577 $16,586,838
11 124 $109,437 $29,718 $79,719 $16,507,119
11 125 $109,437 $29,575 $79,862 $16,427,257
11 126 $109,437 $29,432 $80,005 $16,347,252
11 127 $109,437 $29,289 $80,148 $16,267,103
11 128 $109,437 $29,145 $80,292 $16,186,811
11 129 $109,437 $29,001 $80,436 $16,106,376
11 130 $109,437 $28,857 $80,580 $16,025,796
11 131 $109,437 $28,713 $80,724 $15,945,071
11 132 $109,437 $28,568 $80,869 $15,864,202
12 133 $109,437 $28,423 $81,014 $15,783,188
12 134 $109,437 $28,278 $81,159 $15,702,029
12 135 $109,437 $28,133 $81,304 $15,620,725
12 136 $109,437 $27,987 $81,450 $15,539,275
12 137 $109,437 $27,841 $81,596 $15,457,679
12 138 $109,437 $27,695 $81,742 $15,375,936
12 139 $109,437 $27,549 $81,889 $15,294,048
12 140 $109,437 $27,402 $82,035 $15,212,012
12 141 $109,437 $27,255 $82,182 $15,129,830
12 142 $109,437 $27,108 $82,330 $15,047,500
12 143 $109,437 $26,960 $82,477 $14,965,023
12 144 $109,437 $26,812 $82,625 $14,882,398
13 145 $109,437 $26,664 $82,773 $14,799,625
13 146 $109,437 $26,516 $82,921 $14,716,704
13 147 $109,437 $26,367 $83,070 $14,633,634
13 148 $109,437 $26,219 $83,219 $14,550,415
13 149 $109,437 $26,069 $83,368 $14,467,047
13 150 $109,437 $25,920 $83,517 $14,383,530
13 151 $109,437 $25,770 $83,667 $14,299,863
13 152 $109,437 $25,621 $83,817 $14,216,047
13 153 $109,437 $25,470 $83,967 $14,132,080
13 154 $109,437 $25,320 $84,117 $14,047,963
13 155 $109,437 $25,169 $84,268 $13,963,695
13 156 $109,437 $25,018 $84,419 $13,879,276
14 157 $109,437 $24,867 $84,570 $13,794,705
14 158 $109,437 $24,716 $84,722 $13,709,984
14 159 $109,437 $24,564 $84,874 $13,625,110
14 160 $109,437 $24,412 $85,026 $13,540,085
14 161 $109,437 $24,259 $85,178 $13,454,907
14 162 $109,437 $24,107 $85,331 $13,369,576
14 163 $109,437 $23,954 $85,483 $13,284,093
14 164 $109,437 $23,801 $85,637 $13,198,456
14 165 $109,437 $23,647 $85,790 $13,112,666
14 166 $109,437 $23,494 $85,944 $13,026,722
14 167 $109,437 $23,340 $86,098 $12,940,624
14 168 $109,437 $23,185 $86,252 $12,854,373
15 169 $109,437 $23,031 $86,407 $12,767,966
15 170 $109,437 $22,876 $86,561 $12,681,405
15 171 $109,437 $22,721 $86,716 $12,594,688
15 172 $109,437 $22,565 $86,872 $12,507,816
15 173 $109,437 $22,410 $87,027 $12,420,789
15 174 $109,437 $22,254 $87,183 $12,333,606
15 175 $109,437 $22,098 $87,340 $12,246,266
15 176 $109,437 $21,941 $87,496 $12,158,770
15 177 $109,437 $21,784 $87,653 $12,071,117
15 178 $109,437 $21,627 $87,810 $11,983,307
15 179 $109,437 $21,470 $87,967 $11,895,340
15 180 $109,437 $21,312 $88,125 $11,807,215
16 181 $109,437 $21,155 $88,283 $11,718,933
16 182 $109,437 $20,996 $88,441 $11,630,492
16 183 $109,437 $20,838 $88,599 $11,541,893
16 184 $109,437 $20,679 $88,758 $11,453,135
16 185 $109,437 $20,520 $88,917 $11,364,218
16 186 $109,437 $20,361 $89,076 $11,275,141
16 187 $109,437 $20,201 $89,236 $11,185,905
16 188 $109,437 $20,041 $89,396 $11,096,509
16 189 $109,437 $19,881 $89,556 $11,006,953
16 190 $109,437 $19,721 $89,716 $10,917,237
16 191 $109,437 $19,560 $89,877 $10,827,360
16 192 $109,437 $19,399 $90,038 $10,737,321
17 193 $109,437 $19,238 $90,200 $10,647,122
17 194 $109,437 $19,076 $90,361 $10,556,761
17 195 $109,437 $18,914 $90,523 $10,466,238
17 196 $109,437 $18,752 $90,685 $10,375,552
17 197 $109,437 $18,590 $90,848 $10,284,705
17 198 $109,437 $18,427 $91,011 $10,193,694
17 199 $109,437 $18,264 $91,174 $10,102,521
17 200 $109,437 $18,100 $91,337 $10,011,184
17 201 $109,437 $17,937 $91,501 $9,919,683
17 202 $109,437 $17,773 $91,665 $9,828,019
17 203 $109,437 $17,609 $91,829 $9,736,190
17 204 $109,437 $17,444 $91,993 $9,644,197
18 205 $109,437 $17,279 $92,158 $9,552,038
18 206 $109,437 $17,114 $92,323 $9,459,715
18 207 $109,437 $16,949 $92,489 $9,367,227
18 208 $109,437 $16,783 $92,654 $9,274,572
18 209 $109,437 $16,617 $92,820 $9,181,752
18 210 $109,437 $16,451 $92,987 $9,088,765
18 211 $109,437 $16,284 $93,153 $8,995,612
18 212 $109,437 $16,117 $93,320 $8,902,292
18 213 $109,437 $15,950 $93,487 $8,808,805
18 214 $109,437 $15,782 $93,655 $8,715,150
18 215 $109,437 $15,615 $93,823 $8,621,327
18 216 $109,437 $15,447 $93,991 $8,527,337
19 217 $109,437 $15,278 $94,159 $8,433,177
19 218 $109,437 $15,109 $94,328 $8,338,850
19 219 $109,437 $14,940 $94,497 $8,244,353
19 220 $109,437 $14,771 $94,666 $8,149,687
19 221 $109,437 $14,602 $94,836 $8,054,851
19 222 $109,437 $14,432 $95,006 $7,959,845
19 223 $109,437 $14,261 $95,176 $7,864,669
19 224 $109,437 $14,091 $95,346 $7,769,323
19 225 $109,437 $13,920 $95,517 $7,673,806
19 226 $109,437 $13,749 $95,688 $7,578,117
19 227 $109,437 $13,577 $95,860 $7,482,258
19 228 $109,437 $13,406 $96,032 $7,386,226
20 229 $109,437 $13,234 $96,204 $7,290,022
20 230 $109,437 $13,061 $96,376 $7,193,646
20 231 $109,437 $12,889 $96,549 $7,097,098
20 232 $109,437 $12,716 $96,722 $7,000,376
20 233 $109,437 $12,542 $96,895 $6,903,481
20 234 $109,437 $12,369 $97,069 $6,806,413
20 235 $109,437 $12,195 $97,242 $6,709,170
20 236 $109,437 $12,021 $97,417 $6,611,754
20 237 $109,437 $11,846 $97,591 $6,514,162
20 238 $109,437 $11,671 $97,766 $6,416,396
20 239 $109,437 $11,496 $97,941 $6,318,455
20 240 $109,437 $11,321 $98,117 $6,220,338
21 241 $109,437 $11,145 $98,292 $6,122,046
21 242 $109,437 $10,969 $98,469 $6,023,577
21 243 $109,437 $10,792 $98,645 $5,924,932
21 244 $109,437 $10,616 $98,822 $5,826,110
21 245 $109,437 $10,438 $98,999 $5,727,112
21 246 $109,437 $10,261 $99,176 $5,627,935
21 247 $109,437 $10,083 $99,354 $5,528,582
21 248 $109,437 $9,905 $99,532 $5,429,050
21 249 $109,437 $9,727 $99,710 $5,329,339
21 250 $109,437 $9,548 $99,889 $5,229,451
21 251 $109,437 $9,369 $100,068 $5,129,383
21 252 $109,437 $9,190 $100,247 $5,029,136
22 253 $109,437 $9,011 $100,427 $4,928,709
22 254 $109,437 $8,831 $100,607 $4,828,102
22 255 $109,437 $8,650 $100,787 $4,727,315
22 256 $109,437 $8,470 $100,967 $4,626,348
22 257 $109,437 $8,289 $101,148 $4,525,199
22 258 $109,437 $8,108 $101,330 $4,423,870
22 259 $109,437 $7,926 $101,511 $4,322,359
22 260 $109,437 $7,744 $101,693 $4,220,666
22 261 $109,437 $7,562 $101,875 $4,118,790
22 262 $109,437 $7,379 $102,058 $4,016,733
22 263 $109,437 $7,197 $102,241 $3,914,492
22 264 $109,437 $7,013 $102,424 $3,812,068
23 265 $109,437 $6,830 $102,607 $3,709,461
23 266 $109,437 $6,646 $102,791 $3,606,670
23 267 $109,437 $6,462 $102,975 $3,503,694
23 268 $109,437 $6,277 $103,160 $3,400,535
23 269 $109,437 $6,093 $103,345 $3,297,190
23 270 $109,437 $5,907 $103,530 $3,193,660
23 271 $109,437 $5,722 $103,715 $3,089,945
23 272 $109,437 $5,536 $103,901 $2,986,044
23 273 $109,437 $5,350 $104,087 $2,881,956
23 274 $109,437 $5,164 $104,274 $2,777,683
23 275 $109,437 $4,977 $104,461 $2,673,222
23 276 $109,437 $4,790 $104,648 $2,568,574
24 277 $109,437 $4,602 $104,835 $2,463,739
24 278 $109,437 $4,414 $105,023 $2,358,716
24 279 $109,437 $4,226 $105,211 $2,253,505
24 280 $109,437 $4,038 $105,400 $2,148,105
24 281 $109,437 $3,849 $105,589 $2,042,516
24 282 $109,437 $3,660 $105,778 $1,936,739
24 283 $109,437 $3,470 $105,967 $1,830,771
24 284 $109,437 $3,280 $106,157 $1,724,614
24 285 $109,437 $3,090 $106,347 $1,618,267
24 286 $109,437 $2,899 $106,538 $1,511,729
24 287 $109,437 $2,709 $106,729 $1,405,000
24 288 $109,437 $2,517 $106,920 $1,298,080
25 289 $109,437 $2,326 $107,112 $1,190,969
25 290 $109,437 $2,134 $107,303 $1,083,665
25 291 $109,437 $1,942 $107,496 $976,170
25 292 $109,437 $1,749 $107,688 $868,481
25 293 $109,437 $1,556 $107,881 $760,600
25 294 $109,437 $1,363 $108,075 $652,526
25 295 $109,437 $1,169 $108,268 $544,257
25 296 $109,437 $975 $108,462 $435,795
25 297 $109,437 $781 $108,656 $327,139
25 298 $109,437 $586 $108,851 $218,288
25 299 $109,437 $391 $109,046 $109,242
25 300 $109,437 $196 $109,242 $0