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$ 23,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 24,190,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$23,600,000
 
Monthly Repayment (HKD)
$152,643
Loan Amount (HKD)
$35,400,000
+
Total Interest (HKD)
$10,392,899
=
Total Repayment (HKD)
$45,792,899
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $152,643 $63,425 $89,218 $35,310,782
1 2 $152,643 $63,265 $89,378 $35,221,404
1 3 $152,643 $63,105 $89,538 $35,131,866
1 4 $152,643 $62,945 $89,698 $35,042,168
1 5 $152,643 $62,784 $89,859 $34,952,309
1 6 $152,643 $62,623 $90,020 $34,862,289
1 7 $152,643 $62,462 $90,181 $34,772,107
1 8 $152,643 $62,300 $90,343 $34,681,764
1 9 $152,643 $62,138 $90,505 $34,591,259
1 10 $152,643 $61,976 $90,667 $34,500,592
1 11 $152,643 $61,814 $90,829 $34,409,763
1 12 $152,643 $61,651 $90,992 $34,318,771
2 13 $152,643 $61,488 $91,155 $34,227,616
2 14 $152,643 $61,324 $91,319 $34,136,297
2 15 $152,643 $61,161 $91,482 $34,044,815
2 16 $152,643 $60,997 $91,646 $33,953,169
2 17 $152,643 $60,833 $91,810 $33,861,359
2 18 $152,643 $60,668 $91,975 $33,769,384
2 19 $152,643 $60,503 $92,140 $33,677,244
2 20 $152,643 $60,338 $92,305 $33,584,940
2 21 $152,643 $60,173 $92,470 $33,492,470
2 22 $152,643 $60,007 $92,636 $33,399,834
2 23 $152,643 $59,841 $92,802 $33,307,033
2 24 $152,643 $59,675 $92,968 $33,214,065
3 25 $152,643 $59,509 $93,134 $33,120,930
3 26 $152,643 $59,342 $93,301 $33,027,629
3 27 $152,643 $59,175 $93,468 $32,934,160
3 28 $152,643 $59,007 $93,636 $32,840,524
3 29 $152,643 $58,839 $93,804 $32,746,721
3 30 $152,643 $58,671 $93,972 $32,652,749
3 31 $152,643 $58,503 $94,140 $32,558,609
3 32 $152,643 $58,334 $94,309 $32,464,300
3 33 $152,643 $58,165 $94,478 $32,369,822
3 34 $152,643 $57,996 $94,647 $32,275,175
3 35 $152,643 $57,826 $94,817 $32,180,358
3 36 $152,643 $57,656 $94,987 $32,085,372
4 37 $152,643 $57,486 $95,157 $31,990,215
4 38 $152,643 $57,316 $95,327 $31,894,888
4 39 $152,643 $57,145 $95,498 $31,799,390
4 40 $152,643 $56,974 $95,669 $31,703,721
4 41 $152,643 $56,802 $95,840 $31,607,880
4 42 $152,643 $56,631 $96,012 $31,511,868
4 43 $152,643 $56,459 $96,184 $31,415,684
4 44 $152,643 $56,286 $96,357 $31,319,327
4 45 $152,643 $56,114 $96,529 $31,222,798
4 46 $152,643 $55,941 $96,702 $31,126,096
4 47 $152,643 $55,768 $96,875 $31,029,221
4 48 $152,643 $55,594 $97,049 $30,932,172
5 49 $152,643 $55,420 $97,223 $30,834,949
5 50 $152,643 $55,246 $97,397 $30,737,552
5 51 $152,643 $55,071 $97,572 $30,639,980
5 52 $152,643 $54,897 $97,746 $30,542,234
5 53 $152,643 $54,722 $97,921 $30,444,312
5 54 $152,643 $54,546 $98,097 $30,346,215
5 55 $152,643 $54,370 $98,273 $30,247,943
5 56 $152,643 $54,194 $98,449 $30,149,494
5 57 $152,643 $54,018 $98,625 $30,050,869
5 58 $152,643 $53,841 $98,802 $29,952,067
5 59 $152,643 $53,664 $98,979 $29,853,088
5 60 $152,643 $53,487 $99,156 $29,753,932
6 61 $152,643 $53,309 $99,334 $29,654,598
6 62 $152,643 $53,131 $99,512 $29,555,086
6 63 $152,643 $52,953 $99,690 $29,455,396
6 64 $152,643 $52,774 $99,869 $29,355,527
6 65 $152,643 $52,595 $100,048 $29,255,480
6 66 $152,643 $52,416 $100,227 $29,155,253
6 67 $152,643 $52,236 $100,407 $29,054,846
6 68 $152,643 $52,057 $100,586 $28,954,260
6 69 $152,643 $51,876 $100,767 $28,853,493
6 70 $152,643 $51,696 $100,947 $28,752,546
6 71 $152,643 $51,515 $101,128 $28,651,418
6 72 $152,643 $51,334 $101,309 $28,550,109
7 73 $152,643 $51,152 $101,491 $28,448,618
7 74 $152,643 $50,970 $101,673 $28,346,945
7 75 $152,643 $50,788 $101,855 $28,245,091
7 76 $152,643 $50,606 $102,037 $28,143,054
7 77 $152,643 $50,423 $102,220 $28,040,834
7 78 $152,643 $50,240 $102,403 $27,938,430
7 79 $152,643 $50,056 $102,587 $27,835,844
7 80 $152,643 $49,873 $102,770 $27,733,073
7 81 $152,643 $49,688 $102,955 $27,630,119
7 82 $152,643 $49,504 $103,139 $27,526,980
7 83 $152,643 $49,319 $103,324 $27,423,656
7 84 $152,643 $49,134 $103,509 $27,320,147
8 85 $152,643 $48,949 $103,694 $27,216,452
8 86 $152,643 $48,763 $103,880 $27,112,572
8 87 $152,643 $48,577 $104,066 $27,008,506
8 88 $152,643 $48,390 $104,253 $26,904,253
8 89 $152,643 $48,203 $104,440 $26,799,814
8 90 $152,643 $48,016 $104,627 $26,695,187
8 91 $152,643 $47,829 $104,814 $26,590,373
8 92 $152,643 $47,641 $105,002 $26,485,371
8 93 $152,643 $47,453 $105,190 $26,380,181
8 94 $152,643 $47,264 $105,379 $26,274,802
8 95 $152,643 $47,076 $105,567 $26,169,235
8 96 $152,643 $46,887 $105,756 $26,063,479
9 97 $152,643 $46,697 $105,946 $25,957,533
9 98 $152,643 $46,507 $106,136 $25,851,397
9 99 $152,643 $46,317 $106,326 $25,745,071
9 100 $152,643 $46,127 $106,516 $25,638,555
9 101 $152,643 $45,936 $106,707 $25,531,847
9 102 $152,643 $45,745 $106,898 $25,424,949
9 103 $152,643 $45,553 $107,090 $25,317,859
9 104 $152,643 $45,361 $107,282 $25,210,577
9 105 $152,643 $45,169 $107,474 $25,103,103
9 106 $152,643 $44,976 $107,667 $24,995,437
9 107 $152,643 $44,783 $107,860 $24,887,577
9 108 $152,643 $44,590 $108,053 $24,779,524
10 109 $152,643 $44,397 $108,246 $24,671,278
10 110 $152,643 $44,203 $108,440 $24,562,838
10 111 $152,643 $44,008 $108,635 $24,454,203
10 112 $152,643 $43,814 $108,829 $24,345,374
10 113 $152,643 $43,619 $109,024 $24,236,350
10 114 $152,643 $43,423 $109,220 $24,127,130
10 115 $152,643 $43,228 $109,415 $24,017,715
10 116 $152,643 $43,032 $109,611 $23,908,104
10 117 $152,643 $42,835 $109,808 $23,798,296
10 118 $152,643 $42,639 $110,004 $23,688,292
10 119 $152,643 $42,442 $110,201 $23,578,090
10 120 $152,643 $42,244 $110,399 $23,467,691
11 121 $152,643 $42,046 $110,597 $23,357,094
11 122 $152,643 $41,848 $110,795 $23,246,300
11 123 $152,643 $41,650 $110,993 $23,135,306
11 124 $152,643 $41,451 $111,192 $23,024,114
11 125 $152,643 $41,252 $111,391 $22,912,723
11 126 $152,643 $41,052 $111,591 $22,801,132
11 127 $152,643 $40,852 $111,791 $22,689,341
11 128 $152,643 $40,652 $111,991 $22,577,349
11 129 $152,643 $40,451 $112,192 $22,465,157
11 130 $152,643 $40,250 $112,393 $22,352,764
11 131 $152,643 $40,049 $112,594 $22,240,170
11 132 $152,643 $39,847 $112,796 $22,127,374
12 133 $152,643 $39,645 $112,998 $22,014,376
12 134 $152,643 $39,442 $113,201 $21,901,175
12 135 $152,643 $39,240 $113,403 $21,787,772
12 136 $152,643 $39,036 $113,607 $21,674,165
12 137 $152,643 $38,833 $113,810 $21,560,355
12 138 $152,643 $38,629 $114,014 $21,446,341
12 139 $152,643 $38,425 $114,218 $21,332,123
12 140 $152,643 $38,220 $114,423 $21,217,700
12 141 $152,643 $38,015 $114,628 $21,103,072
12 142 $152,643 $37,810 $114,833 $20,988,239
12 143 $152,643 $37,604 $115,039 $20,873,200
12 144 $152,643 $37,398 $115,245 $20,757,955
13 145 $152,643 $37,191 $115,452 $20,642,503
13 146 $152,643 $36,984 $115,659 $20,526,844
13 147 $152,643 $36,777 $115,866 $20,410,979
13 148 $152,643 $36,570 $116,073 $20,294,905
13 149 $152,643 $36,362 $116,281 $20,178,624
13 150 $152,643 $36,153 $116,490 $20,062,134
13 151 $152,643 $35,945 $116,698 $19,945,436
13 152 $152,643 $35,736 $116,907 $19,828,529
13 153 $152,643 $35,526 $117,117 $19,711,412
13 154 $152,643 $35,316 $117,327 $19,594,085
13 155 $152,643 $35,106 $117,537 $19,476,548
13 156 $152,643 $34,895 $117,748 $19,358,801
14 157 $152,643 $34,685 $117,958 $19,240,842
14 158 $152,643 $34,473 $118,170 $19,122,672
14 159 $152,643 $34,261 $118,382 $19,004,291
14 160 $152,643 $34,049 $118,594 $18,885,697
14 161 $152,643 $33,837 $118,806 $18,766,891
14 162 $152,643 $33,624 $119,019 $18,647,872
14 163 $152,643 $33,411 $119,232 $18,528,640
14 164 $152,643 $33,197 $119,446 $18,409,194
14 165 $152,643 $32,983 $119,660 $18,289,534
14 166 $152,643 $32,769 $119,874 $18,169,660
14 167 $152,643 $32,554 $120,089 $18,049,571
14 168 $152,643 $32,339 $120,304 $17,929,267
15 169 $152,643 $32,123 $120,520 $17,808,747
15 170 $152,643 $31,907 $120,736 $17,688,011
15 171 $152,643 $31,691 $120,952 $17,567,059
15 172 $152,643 $31,474 $121,169 $17,445,891
15 173 $152,643 $31,257 $121,386 $17,324,505
15 174 $152,643 $31,040 $121,603 $17,202,902
15 175 $152,643 $30,822 $121,821 $17,081,080
15 176 $152,643 $30,604 $122,039 $16,959,041
15 177 $152,643 $30,385 $122,258 $16,836,783
15 178 $152,643 $30,166 $122,477 $16,714,306
15 179 $152,643 $29,946 $122,697 $16,591,609
15 180 $152,643 $29,727 $122,916 $16,468,693
16 181 $152,643 $29,506 $123,137 $16,345,556
16 182 $152,643 $29,286 $123,357 $16,222,199
16 183 $152,643 $29,065 $123,578 $16,098,621
16 184 $152,643 $28,843 $123,800 $15,974,821
16 185 $152,643 $28,622 $124,021 $15,850,800
16 186 $152,643 $28,399 $124,244 $15,726,556
16 187 $152,643 $28,177 $124,466 $15,602,090
16 188 $152,643 $27,954 $124,689 $15,477,401
16 189 $152,643 $27,730 $124,913 $15,352,488
16 190 $152,643 $27,507 $125,136 $15,227,352
16 191 $152,643 $27,282 $125,361 $15,101,991
16 192 $152,643 $27,058 $125,585 $14,976,406
17 193 $152,643 $26,833 $125,810 $14,850,595
17 194 $152,643 $26,607 $126,036 $14,724,560
17 195 $152,643 $26,382 $126,261 $14,598,298
17 196 $152,643 $26,155 $126,488 $14,471,811
17 197 $152,643 $25,929 $126,714 $14,345,096
17 198 $152,643 $25,702 $126,941 $14,218,155
17 199 $152,643 $25,474 $127,169 $14,090,986
17 200 $152,643 $25,246 $127,397 $13,963,589
17 201 $152,643 $25,018 $127,625 $13,835,965
17 202 $152,643 $24,789 $127,854 $13,708,111
17 203 $152,643 $24,560 $128,083 $13,580,028
17 204 $152,643 $24,331 $128,312 $13,451,716
18 205 $152,643 $24,101 $128,542 $13,323,174
18 206 $152,643 $23,871 $128,772 $13,194,402
18 207 $152,643 $23,640 $129,003 $13,065,399
18 208 $152,643 $23,409 $129,234 $12,936,165
18 209 $152,643 $23,177 $129,466 $12,806,699
18 210 $152,643 $22,945 $129,698 $12,677,001
18 211 $152,643 $22,713 $129,930 $12,547,071
18 212 $152,643 $22,480 $130,163 $12,416,908
18 213 $152,643 $22,247 $130,396 $12,286,512
18 214 $152,643 $22,013 $130,630 $12,155,883
18 215 $152,643 $21,779 $130,864 $12,025,019
18 216 $152,643 $21,545 $131,098 $11,893,921
19 217 $152,643 $21,310 $131,333 $11,762,588
19 218 $152,643 $21,075 $131,568 $11,631,019
19 219 $152,643 $20,839 $131,804 $11,499,215
19 220 $152,643 $20,603 $132,040 $11,367,175
19 221 $152,643 $20,366 $132,277 $11,234,898
19 222 $152,643 $20,129 $132,514 $11,102,385
19 223 $152,643 $19,892 $132,751 $10,969,633
19 224 $152,643 $19,654 $132,989 $10,836,644
19 225 $152,643 $19,416 $133,227 $10,703,417
19 226 $152,643 $19,177 $133,466 $10,569,951
19 227 $152,643 $18,938 $133,705 $10,436,246
19 228 $152,643 $18,698 $133,945 $10,302,301
20 229 $152,643 $18,458 $134,185 $10,168,116
20 230 $152,643 $18,218 $134,425 $10,033,691
20 231 $152,643 $17,977 $134,666 $9,899,025
20 232 $152,643 $17,736 $134,907 $9,764,118
20 233 $152,643 $17,494 $135,149 $9,628,969
20 234 $152,643 $17,252 $135,391 $9,493,578
20 235 $152,643 $17,009 $135,634 $9,357,944
20 236 $152,643 $16,766 $135,877 $9,222,068
20 237 $152,643 $16,523 $136,120 $9,085,947
20 238 $152,643 $16,279 $136,364 $8,949,583
20 239 $152,643 $16,035 $136,608 $8,812,975
20 240 $152,643 $15,790 $136,853 $8,676,122
21 241 $152,643 $15,545 $137,098 $8,539,024
21 242 $152,643 $15,299 $137,344 $8,401,680
21 243 $152,643 $15,053 $137,590 $8,264,090
21 244 $152,643 $14,806 $137,837 $8,126,253
21 245 $152,643 $14,560 $138,083 $7,988,170
21 246 $152,643 $14,312 $138,331 $7,849,839
21 247 $152,643 $14,064 $138,579 $7,711,260
21 248 $152,643 $13,816 $138,827 $7,572,433
21 249 $152,643 $13,567 $139,076 $7,433,358
21 250 $152,643 $13,318 $139,325 $7,294,033
21 251 $152,643 $13,068 $139,575 $7,154,458
21 252 $152,643 $12,818 $139,825 $7,014,634
22 253 $152,643 $12,568 $140,075 $6,874,558
22 254 $152,643 $12,317 $140,326 $6,734,232
22 255 $152,643 $12,065 $140,577 $6,593,655
22 256 $152,643 $11,814 $140,829 $6,452,826
22 257 $152,643 $11,561 $141,082 $6,311,744
22 258 $152,643 $11,309 $141,334 $6,170,409
22 259 $152,643 $11,055 $141,588 $6,028,822
22 260 $152,643 $10,802 $141,841 $5,886,980
22 261 $152,643 $10,548 $142,095 $5,744,885
22 262 $152,643 $10,293 $142,350 $5,602,535
22 263 $152,643 $10,038 $142,605 $5,459,930
22 264 $152,643 $9,782 $142,861 $5,317,069
23 265 $152,643 $9,526 $143,117 $5,173,952
23 266 $152,643 $9,270 $143,373 $5,030,579
23 267 $152,643 $9,013 $143,630 $4,886,950
23 268 $152,643 $8,756 $143,887 $4,743,062
23 269 $152,643 $8,498 $144,145 $4,598,917
23 270 $152,643 $8,240 $144,403 $4,454,514
23 271 $152,643 $7,981 $144,662 $4,309,852
23 272 $152,643 $7,722 $144,921 $4,164,931
23 273 $152,643 $7,462 $145,181 $4,019,750
23 274 $152,643 $7,202 $145,441 $3,874,309
23 275 $152,643 $6,941 $145,702 $3,728,608
23 276 $152,643 $6,680 $145,963 $3,582,645
24 277 $152,643 $6,419 $146,224 $3,436,421
24 278 $152,643 $6,157 $146,486 $3,289,935
24 279 $152,643 $5,894 $146,749 $3,143,186
24 280 $152,643 $5,632 $147,011 $2,996,175
24 281 $152,643 $5,368 $147,275 $2,848,900
24 282 $152,643 $5,104 $147,539 $2,701,361
24 283 $152,643 $4,840 $147,803 $2,553,558
24 284 $152,643 $4,575 $148,068 $2,405,490
24 285 $152,643 $4,310 $148,333 $2,257,157
24 286 $152,643 $4,044 $148,599 $2,108,558
24 287 $152,643 $3,778 $148,865 $1,959,693
24 288 $152,643 $3,511 $149,132 $1,810,561
25 289 $152,643 $3,244 $149,399 $1,661,162
25 290 $152,643 $2,976 $149,667 $1,511,495
25 291 $152,643 $2,708 $149,935 $1,361,561
25 292 $152,643 $2,439 $150,204 $1,211,357
25 293 $152,643 $2,170 $150,473 $1,060,884
25 294 $152,643 $1,901 $150,742 $910,142
25 295 $152,643 $1,631 $151,012 $759,130
25 296 $152,643 $1,360 $151,283 $607,847
25 297 $152,643 $1,089 $151,554 $456,293
25 298 $152,643 $818 $151,825 $304,467
25 299 $152,643 $546 $152,097 $152,370
25 300 $152,643 $273 $152,370 $0