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$ 5,960,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 6,109,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$5,960,000
 
Monthly Repayment (HKD)
$38,549
Loan Amount (HKD)
$8,940,000
+
Total Interest (HKD)
$2,624,647
=
Total Repayment (HKD)
$11,564,647
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $38,549 $16,018 $22,531 $8,917,469
1 2 $38,549 $15,977 $22,572 $8,894,897
1 3 $38,549 $15,937 $22,612 $8,872,285
1 4 $38,549 $15,896 $22,653 $8,849,632
1 5 $38,549 $15,856 $22,693 $8,826,939
1 6 $38,549 $15,815 $22,734 $8,804,205
1 7 $38,549 $15,774 $22,775 $8,781,430
1 8 $38,549 $15,733 $22,815 $8,758,615
1 9 $38,549 $15,693 $22,856 $8,735,759
1 10 $38,549 $15,652 $22,897 $8,712,861
1 11 $38,549 $15,611 $22,938 $8,689,923
1 12 $38,549 $15,569 $22,979 $8,666,944
2 13 $38,549 $15,528 $23,021 $8,643,923
2 14 $38,549 $15,487 $23,062 $8,620,861
2 15 $38,549 $15,446 $23,103 $8,597,758
2 16 $38,549 $15,404 $23,145 $8,574,614
2 17 $38,549 $15,363 $23,186 $8,551,428
2 18 $38,549 $15,321 $23,228 $8,528,200
2 19 $38,549 $15,280 $23,269 $8,504,931
2 20 $38,549 $15,238 $23,311 $8,481,620
2 21 $38,549 $15,196 $23,353 $8,458,268
2 22 $38,549 $15,154 $23,394 $8,434,873
2 23 $38,549 $15,112 $23,436 $8,411,437
2 24 $38,549 $15,070 $23,478 $8,387,959
3 25 $38,549 $15,028 $23,520 $8,364,438
3 26 $38,549 $14,986 $23,563 $8,340,876
3 27 $38,549 $14,944 $23,605 $8,317,271
3 28 $38,549 $14,902 $23,647 $8,293,624
3 29 $38,549 $14,859 $23,689 $8,269,935
3 30 $38,549 $14,817 $23,732 $8,246,203
3 31 $38,549 $14,774 $23,774 $8,222,428
3 32 $38,549 $14,732 $23,817 $8,198,611
3 33 $38,549 $14,689 $23,860 $8,174,752
3 34 $38,549 $14,646 $23,902 $8,150,849
3 35 $38,549 $14,604 $23,945 $8,126,904
3 36 $38,549 $14,561 $23,988 $8,102,916
4 37 $38,549 $14,518 $24,031 $8,078,885
4 38 $38,549 $14,475 $24,074 $8,054,811
4 39 $38,549 $14,432 $24,117 $8,030,693
4 40 $38,549 $14,388 $24,160 $8,006,533
4 41 $38,549 $14,345 $24,204 $7,982,329
4 42 $38,549 $14,302 $24,247 $7,958,082
4 43 $38,549 $14,258 $24,291 $7,933,791
4 44 $38,549 $14,215 $24,334 $7,909,457
4 45 $38,549 $14,171 $24,378 $7,885,080
4 46 $38,549 $14,127 $24,421 $7,860,658
4 47 $38,549 $14,084 $24,465 $7,836,193
4 48 $38,549 $14,040 $24,509 $7,811,684
5 49 $38,549 $13,996 $24,553 $7,787,131
5 50 $38,549 $13,952 $24,597 $7,762,534
5 51 $38,549 $13,908 $24,641 $7,737,893
5 52 $38,549 $13,864 $24,685 $7,713,208
5 53 $38,549 $13,819 $24,729 $7,688,479
5 54 $38,549 $13,775 $24,774 $7,663,705
5 55 $38,549 $13,731 $24,818 $7,638,887
5 56 $38,549 $13,686 $24,862 $7,614,025
5 57 $38,549 $13,642 $24,907 $7,589,118
5 58 $38,549 $13,597 $24,952 $7,564,166
5 59 $38,549 $13,552 $24,996 $7,539,170
5 60 $38,549 $13,508 $25,041 $7,514,129
6 61 $38,549 $13,463 $25,086 $7,489,043
6 62 $38,549 $13,418 $25,131 $7,463,912
6 63 $38,549 $13,373 $25,176 $7,438,736
6 64 $38,549 $13,328 $25,221 $7,413,515
6 65 $38,549 $13,283 $25,266 $7,388,248
6 66 $38,549 $13,237 $25,312 $7,362,937
6 67 $38,549 $13,192 $25,357 $7,337,580
6 68 $38,549 $13,146 $25,402 $7,312,177
6 69 $38,549 $13,101 $25,448 $7,286,730
6 70 $38,549 $13,055 $25,493 $7,261,236
6 71 $38,549 $13,010 $25,539 $7,235,697
6 72 $38,549 $12,964 $25,585 $7,210,112
7 73 $38,549 $12,918 $25,631 $7,184,482
7 74 $38,549 $12,872 $25,677 $7,158,805
7 75 $38,549 $12,826 $25,723 $7,133,082
7 76 $38,549 $12,780 $25,769 $7,107,314
7 77 $38,549 $12,734 $25,815 $7,081,499
7 78 $38,549 $12,688 $25,861 $7,055,637
7 79 $38,549 $12,641 $25,907 $7,029,730
7 80 $38,549 $12,595 $25,954 $7,003,776
7 81 $38,549 $12,548 $26,000 $6,977,776
7 82 $38,549 $12,502 $26,047 $6,951,729
7 83 $38,549 $12,455 $26,094 $6,925,635
7 84 $38,549 $12,408 $26,140 $6,899,495
8 85 $38,549 $12,362 $26,187 $6,873,307
8 86 $38,549 $12,315 $26,234 $6,847,073
8 87 $38,549 $12,268 $26,281 $6,820,792
8 88 $38,549 $12,221 $26,328 $6,794,464
8 89 $38,549 $12,173 $26,375 $6,768,089
8 90 $38,549 $12,126 $26,423 $6,741,666
8 91 $38,549 $12,079 $26,470 $6,715,196
8 92 $38,549 $12,031 $26,517 $6,688,678
8 93 $38,549 $11,984 $26,565 $6,662,113
8 94 $38,549 $11,936 $26,613 $6,635,501
8 95 $38,549 $11,889 $26,660 $6,608,841
8 96 $38,549 $11,841 $26,708 $6,582,133
9 97 $38,549 $11,793 $26,756 $6,555,377
9 98 $38,549 $11,745 $26,804 $6,528,573
9 99 $38,549 $11,697 $26,852 $6,501,721
9 100 $38,549 $11,649 $26,900 $6,474,821
9 101 $38,549 $11,601 $26,948 $6,447,873
9 102 $38,549 $11,552 $26,996 $6,420,877
9 103 $38,549 $11,504 $27,045 $6,393,832
9 104 $38,549 $11,456 $27,093 $6,366,739
9 105 $38,549 $11,407 $27,142 $6,339,597
9 106 $38,549 $11,358 $27,190 $6,312,407
9 107 $38,549 $11,310 $27,239 $6,285,168
9 108 $38,549 $11,261 $27,288 $6,257,880
10 109 $38,549 $11,212 $27,337 $6,230,543
10 110 $38,549 $11,163 $27,386 $6,203,157
10 111 $38,549 $11,114 $27,435 $6,175,722
10 112 $38,549 $11,065 $27,484 $6,148,238
10 113 $38,549 $11,016 $27,533 $6,120,705
10 114 $38,549 $10,966 $27,583 $6,093,123
10 115 $38,549 $10,917 $27,632 $6,065,491
10 116 $38,549 $10,867 $27,681 $6,037,809
10 117 $38,549 $10,818 $27,731 $6,010,078
10 118 $38,549 $10,768 $27,781 $5,982,297
10 119 $38,549 $10,718 $27,831 $5,954,467
10 120 $38,549 $10,668 $27,880 $5,926,586
11 121 $38,549 $10,618 $27,930 $5,898,656
11 122 $38,549 $10,568 $27,980 $5,870,676
11 123 $38,549 $10,518 $28,031 $5,842,645
11 124 $38,549 $10,468 $28,081 $5,814,564
11 125 $38,549 $10,418 $28,131 $5,786,433
11 126 $38,549 $10,367 $28,181 $5,758,252
11 127 $38,549 $10,317 $28,232 $5,730,020
11 128 $38,549 $10,266 $28,283 $5,701,737
11 129 $38,549 $10,216 $28,333 $5,673,404
11 130 $38,549 $10,165 $28,384 $5,645,020
11 131 $38,549 $10,114 $28,435 $5,616,585
11 132 $38,549 $10,063 $28,486 $5,588,100
12 133 $38,549 $10,012 $28,537 $5,559,563
12 134 $38,549 $9,961 $28,588 $5,530,975
12 135 $38,549 $9,910 $28,639 $5,502,336
12 136 $38,549 $9,858 $28,690 $5,473,645
12 137 $38,549 $9,807 $28,742 $5,444,903
12 138 $38,549 $9,755 $28,793 $5,416,110
12 139 $38,549 $9,704 $28,845 $5,387,265
12 140 $38,549 $9,652 $28,897 $5,358,368
12 141 $38,549 $9,600 $28,948 $5,329,420
12 142 $38,549 $9,549 $29,000 $5,300,420
12 143 $38,549 $9,497 $29,052 $5,271,367
12 144 $38,549 $9,445 $29,104 $5,242,263
13 145 $38,549 $9,392 $29,156 $5,213,107
13 146 $38,549 $9,340 $29,209 $5,183,898
13 147 $38,549 $9,288 $29,261 $5,154,637
13 148 $38,549 $9,235 $29,313 $5,125,324
13 149 $38,549 $9,183 $29,366 $5,095,958
13 150 $38,549 $9,130 $29,419 $5,066,539
13 151 $38,549 $9,078 $29,471 $5,037,068
13 152 $38,549 $9,025 $29,524 $5,007,544
13 153 $38,549 $8,972 $29,577 $4,977,967
13 154 $38,549 $8,919 $29,630 $4,948,337
13 155 $38,549 $8,866 $29,683 $4,918,654
13 156 $38,549 $8,813 $29,736 $4,888,917
14 157 $38,549 $8,759 $29,790 $4,859,128
14 158 $38,549 $8,706 $29,843 $4,829,285
14 159 $38,549 $8,652 $29,896 $4,799,389
14 160 $38,549 $8,599 $29,950 $4,769,439
14 161 $38,549 $8,545 $30,004 $4,739,435
14 162 $38,549 $8,491 $30,057 $4,709,378
14 163 $38,549 $8,438 $30,111 $4,679,267
14 164 $38,549 $8,384 $30,165 $4,649,102
14 165 $38,549 $8,330 $30,219 $4,618,882
14 166 $38,549 $8,275 $30,273 $4,588,609
14 167 $38,549 $8,221 $30,328 $4,558,281
14 168 $38,549 $8,167 $30,382 $4,527,900
15 169 $38,549 $8,112 $30,436 $4,497,463
15 170 $38,549 $8,058 $30,491 $4,466,972
15 171 $38,549 $8,003 $30,545 $4,436,427
15 172 $38,549 $7,949 $30,600 $4,405,827
15 173 $38,549 $7,894 $30,655 $4,375,172
15 174 $38,549 $7,839 $30,710 $4,344,462
15 175 $38,549 $7,784 $30,765 $4,313,697
15 176 $38,549 $7,729 $30,820 $4,282,876
15 177 $38,549 $7,673 $30,875 $4,252,001
15 178 $38,549 $7,618 $30,931 $4,221,070
15 179 $38,549 $7,563 $30,986 $4,190,084
15 180 $38,549 $7,507 $31,042 $4,159,043
16 181 $38,549 $7,452 $31,097 $4,127,946
16 182 $38,549 $7,396 $31,153 $4,096,793
16 183 $38,549 $7,340 $31,209 $4,065,584
16 184 $38,549 $7,284 $31,265 $4,034,319
16 185 $38,549 $7,228 $31,321 $4,002,999
16 186 $38,549 $7,172 $31,377 $3,971,622
16 187 $38,549 $7,116 $31,433 $3,940,189
16 188 $38,549 $7,060 $31,489 $3,908,700
16 189 $38,549 $7,003 $31,546 $3,877,154
16 190 $38,549 $6,947 $31,602 $3,845,552
16 191 $38,549 $6,890 $31,659 $3,813,893
16 192 $38,549 $6,833 $31,716 $3,782,177
17 193 $38,549 $6,776 $31,772 $3,750,405
17 194 $38,549 $6,719 $31,829 $3,718,575
17 195 $38,549 $6,662 $31,886 $3,686,689
17 196 $38,549 $6,605 $31,944 $3,654,745
17 197 $38,549 $6,548 $32,001 $3,622,745
17 198 $38,549 $6,491 $32,058 $3,590,687
17 199 $38,549 $6,433 $32,116 $3,558,571
17 200 $38,549 $6,376 $32,173 $3,526,398
17 201 $38,549 $6,318 $32,231 $3,494,167
17 202 $38,549 $6,260 $32,288 $3,461,879
17 203 $38,549 $6,203 $32,346 $3,429,533
17 204 $38,549 $6,145 $32,404 $3,397,128
18 205 $38,549 $6,087 $32,462 $3,364,666
18 206 $38,549 $6,028 $32,520 $3,332,146
18 207 $38,549 $5,970 $32,579 $3,299,567
18 208 $38,549 $5,912 $32,637 $3,266,930
18 209 $38,549 $5,853 $32,696 $3,234,234
18 210 $38,549 $5,795 $32,754 $3,201,480
18 211 $38,549 $5,736 $32,813 $3,168,667
18 212 $38,549 $5,677 $32,872 $3,135,796
18 213 $38,549 $5,618 $32,931 $3,102,865
18 214 $38,549 $5,559 $32,990 $3,069,875
18 215 $38,549 $5,500 $33,049 $3,036,827
18 216 $38,549 $5,441 $33,108 $3,003,719
19 217 $38,549 $5,382 $33,167 $2,970,552
19 218 $38,549 $5,322 $33,227 $2,937,325
19 219 $38,549 $5,263 $33,286 $2,904,039
19 220 $38,549 $5,203 $33,346 $2,870,693
19 221 $38,549 $5,143 $33,405 $2,837,288
19 222 $38,549 $5,083 $33,465 $2,803,823
19 223 $38,549 $5,024 $33,525 $2,770,297
19 224 $38,549 $4,963 $33,585 $2,736,712
19 225 $38,549 $4,903 $33,646 $2,703,066
19 226 $38,549 $4,843 $33,706 $2,669,360
19 227 $38,549 $4,783 $33,766 $2,635,594
19 228 $38,549 $4,722 $33,827 $2,601,768
20 229 $38,549 $4,662 $33,887 $2,567,880
20 230 $38,549 $4,601 $33,948 $2,533,932
20 231 $38,549 $4,540 $34,009 $2,499,923
20 232 $38,549 $4,479 $34,070 $2,465,854
20 233 $38,549 $4,418 $34,131 $2,431,723
20 234 $38,549 $4,357 $34,192 $2,397,531
20 235 $38,549 $4,296 $34,253 $2,363,277
20 236 $38,549 $4,234 $34,315 $2,328,963
20 237 $38,549 $4,173 $34,376 $2,294,587
20 238 $38,549 $4,111 $34,438 $2,260,149
20 239 $38,549 $4,049 $34,499 $2,225,650
20 240 $38,549 $3,988 $34,561 $2,191,088
21 241 $38,549 $3,926 $34,623 $2,156,465
21 242 $38,549 $3,864 $34,685 $2,121,780
21 243 $38,549 $3,802 $34,747 $2,087,033
21 244 $38,549 $3,739 $34,810 $2,052,223
21 245 $38,549 $3,677 $34,872 $2,017,351
21 246 $38,549 $3,614 $34,934 $1,982,417
21 247 $38,549 $3,552 $34,997 $1,947,420
21 248 $38,549 $3,489 $35,060 $1,912,360
21 249 $38,549 $3,426 $35,123 $1,877,238
21 250 $38,549 $3,363 $35,185 $1,842,052
21 251 $38,549 $3,300 $35,248 $1,806,804
21 252 $38,549 $3,237 $35,312 $1,771,492
22 253 $38,549 $3,174 $35,375 $1,736,117
22 254 $38,549 $3,111 $35,438 $1,700,679
22 255 $38,549 $3,047 $35,502 $1,665,177
22 256 $38,549 $2,983 $35,565 $1,629,612
22 257 $38,549 $2,920 $35,629 $1,593,983
22 258 $38,549 $2,856 $35,693 $1,558,290
22 259 $38,549 $2,792 $35,757 $1,522,533
22 260 $38,549 $2,728 $35,821 $1,486,712
22 261 $38,549 $2,664 $35,885 $1,450,827
22 262 $38,549 $2,599 $35,949 $1,414,877
22 263 $38,549 $2,535 $36,014 $1,378,864
22 264 $38,549 $2,470 $36,078 $1,342,785
23 265 $38,549 $2,406 $36,143 $1,306,642
23 266 $38,549 $2,341 $36,208 $1,270,434
23 267 $38,549 $2,276 $36,273 $1,234,162
23 268 $38,549 $2,211 $36,338 $1,197,824
23 269 $38,549 $2,146 $36,403 $1,161,422
23 270 $38,549 $2,081 $36,468 $1,124,954
23 271 $38,549 $2,016 $36,533 $1,088,420
23 272 $38,549 $1,950 $36,599 $1,051,822
23 273 $38,549 $1,885 $36,664 $1,015,157
23 274 $38,549 $1,819 $36,730 $978,427
23 275 $38,549 $1,753 $36,796 $941,631
23 276 $38,549 $1,687 $36,862 $904,770
24 277 $38,549 $1,621 $36,928 $867,842
24 278 $38,549 $1,555 $36,994 $830,848
24 279 $38,549 $1,489 $37,060 $793,788
24 280 $38,549 $1,422 $37,127 $756,661
24 281 $38,549 $1,356 $37,193 $719,468
24 282 $38,549 $1,289 $37,260 $682,208
24 283 $38,549 $1,222 $37,327 $644,882
24 284 $38,549 $1,155 $37,393 $607,488
24 285 $38,549 $1,088 $37,460 $570,028
24 286 $38,549 $1,021 $37,528 $532,500
24 287 $38,549 $954 $37,595 $494,906
24 288 $38,549 $887 $37,662 $457,243
25 289 $38,549 $819 $37,730 $419,514
25 290 $38,549 $752 $37,797 $381,717
25 291 $38,549 $684 $37,865 $343,852
25 292 $38,549 $616 $37,933 $305,919
25 293 $38,549 $548 $38,001 $267,918
25 294 $38,549 $480 $38,069 $229,849
25 295 $38,549 $412 $38,137 $191,712
25 296 $38,549 $343 $38,205 $153,507
25 297 $38,549 $275 $38,274 $115,233
25 298 $38,549 $206 $38,342 $76,891
25 299 $38,549 $138 $38,411 $38,480
25 300 $38,549 $69 $38,480 $0