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$ 11,064,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 11,340,600
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$11,064,000
 
Monthly Repayment (HKD)
$71,561
Loan Amount (HKD)
$16,596,000
+
Total Interest (HKD)
$4,872,332
=
Total Repayment (HKD)
$21,468,332
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $71,561 $29,735 $41,827 $16,554,173
1 2 $71,561 $29,660 $41,902 $16,512,272
1 3 $71,561 $29,584 $41,977 $16,470,295
1 4 $71,561 $29,509 $42,052 $16,428,243
1 5 $71,561 $29,434 $42,127 $16,386,116
1 6 $71,561 $29,358 $42,203 $16,343,914
1 7 $71,561 $29,283 $42,278 $16,301,635
1 8 $71,561 $29,207 $42,354 $16,259,281
1 9 $71,561 $29,131 $42,430 $16,216,851
1 10 $71,561 $29,055 $42,506 $16,174,346
1 11 $71,561 $28,979 $42,582 $16,131,763
1 12 $71,561 $28,903 $42,658 $16,089,105
2 13 $71,561 $28,826 $42,735 $16,046,370
2 14 $71,561 $28,750 $42,811 $16,003,559
2 15 $71,561 $28,673 $42,888 $15,960,671
2 16 $71,561 $28,596 $42,965 $15,917,706
2 17 $71,561 $28,519 $43,042 $15,874,664
2 18 $71,561 $28,442 $43,119 $15,831,545
2 19 $71,561 $28,365 $43,196 $15,788,349
2 20 $71,561 $28,287 $43,274 $15,745,075
2 21 $71,561 $28,210 $43,351 $15,701,724
2 22 $71,561 $28,132 $43,429 $15,658,295
2 23 $71,561 $28,054 $43,507 $15,614,788
2 24 $71,561 $27,976 $43,585 $15,571,204
3 25 $71,561 $27,898 $43,663 $15,527,541
3 26 $71,561 $27,820 $43,741 $15,483,800
3 27 $71,561 $27,742 $43,819 $15,439,981
3 28 $71,561 $27,663 $43,898 $15,396,083
3 29 $71,561 $27,585 $43,976 $15,352,107
3 30 $71,561 $27,506 $44,055 $15,308,051
3 31 $71,561 $27,427 $44,134 $15,263,917
3 32 $71,561 $27,348 $44,213 $15,219,704
3 33 $71,561 $27,269 $44,292 $15,175,412
3 34 $71,561 $27,189 $44,372 $15,131,040
3 35 $71,561 $27,110 $44,451 $15,086,588
3 36 $71,561 $27,030 $44,531 $15,042,057
4 37 $71,561 $26,950 $44,611 $14,997,447
4 38 $71,561 $26,870 $44,691 $14,952,756
4 39 $71,561 $26,790 $44,771 $14,907,985
4 40 $71,561 $26,710 $44,851 $14,863,134
4 41 $71,561 $26,630 $44,931 $14,818,203
4 42 $71,561 $26,549 $45,012 $14,773,191
4 43 $71,561 $26,469 $45,092 $14,728,099
4 44 $71,561 $26,388 $45,173 $14,682,925
4 45 $71,561 $26,307 $45,254 $14,637,671
4 46 $71,561 $26,226 $45,335 $14,592,336
4 47 $71,561 $26,145 $45,417 $14,546,919
4 48 $71,561 $26,063 $45,498 $14,501,421
5 49 $71,561 $25,982 $45,579 $14,455,842
5 50 $71,561 $25,900 $45,661 $14,410,181
5 51 $71,561 $25,818 $45,743 $14,364,438
5 52 $71,561 $25,736 $45,825 $14,318,613
5 53 $71,561 $25,654 $45,907 $14,272,706
5 54 $71,561 $25,572 $45,989 $14,226,717
5 55 $71,561 $25,490 $46,072 $14,180,646
5 56 $71,561 $25,407 $46,154 $14,134,492
5 57 $71,561 $25,324 $46,237 $14,088,255
5 58 $71,561 $25,241 $46,320 $14,041,935
5 59 $71,561 $25,158 $46,403 $13,995,532
5 60 $71,561 $25,075 $46,486 $13,949,047
6 61 $71,561 $24,992 $46,569 $13,902,478
6 62 $71,561 $24,909 $46,653 $13,855,825
6 63 $71,561 $24,825 $46,736 $13,809,089
6 64 $71,561 $24,741 $46,820 $13,762,269
6 65 $71,561 $24,657 $46,904 $13,715,366
6 66 $71,561 $24,573 $46,988 $13,668,378
6 67 $71,561 $24,489 $47,072 $13,621,306
6 68 $71,561 $24,405 $47,156 $13,574,150
6 69 $71,561 $24,320 $47,241 $13,526,909
6 70 $71,561 $24,236 $47,325 $13,479,583
6 71 $71,561 $24,151 $47,410 $13,432,173
6 72 $71,561 $24,066 $47,495 $13,384,678
7 73 $71,561 $23,981 $47,580 $13,337,098
7 74 $71,561 $23,896 $47,665 $13,289,432
7 75 $71,561 $23,810 $47,751 $13,241,682
7 76 $71,561 $23,725 $47,836 $13,193,845
7 77 $71,561 $23,639 $47,922 $13,145,923
7 78 $71,561 $23,553 $48,008 $13,097,915
7 79 $71,561 $23,467 $48,094 $13,049,821
7 80 $71,561 $23,381 $48,180 $13,001,641
7 81 $71,561 $23,295 $48,267 $12,953,374
7 82 $71,561 $23,208 $48,353 $12,905,021
7 83 $71,561 $23,121 $48,440 $12,856,582
7 84 $71,561 $23,035 $48,526 $12,808,055
8 85 $71,561 $22,948 $48,613 $12,759,442
8 86 $71,561 $22,861 $48,700 $12,710,742
8 87 $71,561 $22,773 $48,788 $12,661,954
8 88 $71,561 $22,686 $48,875 $12,613,079
8 89 $71,561 $22,598 $48,963 $12,564,116
8 90 $71,561 $22,511 $49,050 $12,515,066
8 91 $71,561 $22,423 $49,138 $12,465,927
8 92 $71,561 $22,335 $49,226 $12,416,701
8 93 $71,561 $22,247 $49,315 $12,367,387
8 94 $71,561 $22,158 $49,403 $12,317,984
8 95 $71,561 $22,070 $49,491 $12,268,492
8 96 $71,561 $21,981 $49,580 $12,218,912
9 97 $71,561 $21,892 $49,669 $12,169,243
9 98 $71,561 $21,803 $49,758 $12,119,485
9 99 $71,561 $21,714 $49,847 $12,069,638
9 100 $71,561 $21,625 $49,936 $12,019,702
9 101 $71,561 $21,535 $50,026 $11,969,676
9 102 $71,561 $21,446 $50,115 $11,919,561
9 103 $71,561 $21,356 $50,205 $11,869,356
9 104 $71,561 $21,266 $50,295 $11,819,060
9 105 $71,561 $21,176 $50,385 $11,768,675
9 106 $71,561 $21,086 $50,476 $11,718,200
9 107 $71,561 $20,995 $50,566 $11,667,634
9 108 $71,561 $20,905 $50,657 $11,616,977
10 109 $71,561 $20,814 $50,747 $11,566,230
10 110 $71,561 $20,723 $50,838 $11,515,391
10 111 $71,561 $20,632 $50,929 $11,464,462
10 112 $71,561 $20,540 $51,021 $11,413,441
10 113 $71,561 $20,449 $51,112 $11,362,329
10 114 $71,561 $20,358 $51,204 $11,311,126
10 115 $71,561 $20,266 $51,295 $11,259,830
10 116 $71,561 $20,174 $51,387 $11,208,443
10 117 $71,561 $20,082 $51,479 $11,156,964
10 118 $71,561 $19,990 $51,572 $11,105,392
10 119 $71,561 $19,897 $51,664 $11,053,728
10 120 $71,561 $19,805 $51,757 $11,001,972
11 121 $71,561 $19,712 $51,849 $10,950,123
11 122 $71,561 $19,619 $51,942 $10,898,180
11 123 $71,561 $19,526 $52,035 $10,846,145
11 124 $71,561 $19,433 $52,128 $10,794,017
11 125 $71,561 $19,339 $52,222 $10,741,795
11 126 $71,561 $19,246 $52,315 $10,689,480
11 127 $71,561 $19,152 $52,409 $10,637,071
11 128 $71,561 $19,058 $52,503 $10,584,567
11 129 $71,561 $18,964 $52,597 $10,531,970
11 130 $71,561 $18,870 $52,691 $10,479,279
11 131 $71,561 $18,775 $52,786 $10,426,493
11 132 $71,561 $18,681 $52,880 $10,373,613
12 133 $71,561 $18,586 $52,975 $10,320,638
12 134 $71,561 $18,491 $53,070 $10,267,568
12 135 $71,561 $18,396 $53,165 $10,214,403
12 136 $71,561 $18,301 $53,260 $10,161,143
12 137 $71,561 $18,205 $53,356 $10,107,787
12 138 $71,561 $18,110 $53,451 $10,054,336
12 139 $71,561 $18,014 $53,547 $10,000,789
12 140 $71,561 $17,918 $53,643 $9,947,145
12 141 $71,561 $17,822 $53,739 $9,893,406
12 142 $71,561 $17,726 $53,835 $9,839,571
12 143 $71,561 $17,629 $53,932 $9,785,639
12 144 $71,561 $17,533 $54,029 $9,731,611
13 145 $71,561 $17,436 $54,125 $9,677,485
13 146 $71,561 $17,339 $54,222 $9,623,263
13 147 $71,561 $17,242 $54,319 $9,568,944
13 148 $71,561 $17,144 $54,417 $9,514,527
13 149 $71,561 $17,047 $54,514 $9,460,013
13 150 $71,561 $16,949 $54,612 $9,405,401
13 151 $71,561 $16,851 $54,710 $9,350,691
13 152 $71,561 $16,753 $54,808 $9,295,883
13 153 $71,561 $16,655 $54,906 $9,240,977
13 154 $71,561 $16,557 $55,004 $9,185,973
13 155 $71,561 $16,458 $55,103 $9,130,870
13 156 $71,561 $16,359 $55,202 $9,075,668
14 157 $71,561 $16,261 $55,301 $9,020,368
14 158 $71,561 $16,161 $55,400 $8,964,968
14 159 $71,561 $16,062 $55,499 $8,909,469
14 160 $71,561 $15,963 $55,598 $8,853,871
14 161 $71,561 $15,863 $55,698 $8,798,173
14 162 $71,561 $15,763 $55,798 $8,742,375
14 163 $71,561 $15,663 $55,898 $8,686,478
14 164 $71,561 $15,563 $55,998 $8,630,480
14 165 $71,561 $15,463 $56,098 $8,574,382
14 166 $71,561 $15,362 $56,199 $8,518,183
14 167 $71,561 $15,262 $56,299 $8,461,884
14 168 $71,561 $15,161 $56,400 $8,405,483
15 169 $71,561 $15,060 $56,501 $8,348,982
15 170 $71,561 $14,959 $56,603 $8,292,380
15 171 $71,561 $14,857 $56,704 $8,235,676
15 172 $71,561 $14,756 $56,806 $8,178,870
15 173 $71,561 $14,654 $56,907 $8,121,963
15 174 $71,561 $14,552 $57,009 $8,064,954
15 175 $71,561 $14,450 $57,111 $8,007,842
15 176 $71,561 $14,347 $57,214 $7,950,628
15 177 $71,561 $14,245 $57,316 $7,893,312
15 178 $71,561 $14,142 $57,419 $7,835,893
15 179 $71,561 $14,039 $57,522 $7,778,371
15 180 $71,561 $13,936 $57,625 $7,720,747
16 181 $71,561 $13,833 $57,728 $7,663,018
16 182 $71,561 $13,730 $57,832 $7,605,187
16 183 $71,561 $13,626 $57,935 $7,547,252
16 184 $71,561 $13,522 $58,039 $7,489,213
16 185 $71,561 $13,418 $58,143 $7,431,070
16 186 $71,561 $13,314 $58,247 $7,372,823
16 187 $71,561 $13,210 $58,351 $7,314,471
16 188 $71,561 $13,105 $58,456 $7,256,015
16 189 $71,561 $13,000 $58,561 $7,197,455
16 190 $71,561 $12,895 $58,666 $7,138,789
16 191 $71,561 $12,790 $58,771 $7,080,018
16 192 $71,561 $12,685 $58,876 $7,021,142
17 193 $71,561 $12,580 $58,982 $6,962,161
17 194 $71,561 $12,474 $59,087 $6,903,073
17 195 $71,561 $12,368 $59,193 $6,843,880
17 196 $71,561 $12,262 $59,299 $6,784,581
17 197 $71,561 $12,156 $59,405 $6,725,176
17 198 $71,561 $12,049 $59,512 $6,665,664
17 199 $71,561 $11,943 $59,618 $6,606,045
17 200 $71,561 $11,836 $59,725 $6,546,320
17 201 $71,561 $11,729 $59,832 $6,486,488
17 202 $71,561 $11,622 $59,939 $6,426,548
17 203 $71,561 $11,514 $60,047 $6,366,501
17 204 $71,561 $11,407 $60,154 $6,306,347
18 205 $71,561 $11,299 $60,262 $6,246,085
18 206 $71,561 $11,191 $60,370 $6,185,715
18 207 $71,561 $11,083 $60,478 $6,125,236
18 208 $71,561 $10,974 $60,587 $6,064,649
18 209 $71,561 $10,866 $60,695 $6,003,954
18 210 $71,561 $10,757 $60,804 $5,943,150
18 211 $71,561 $10,648 $60,913 $5,882,237
18 212 $71,561 $10,539 $61,022 $5,821,215
18 213 $71,561 $10,430 $61,131 $5,760,084
18 214 $71,561 $10,320 $61,241 $5,698,843
18 215 $71,561 $10,210 $61,351 $5,637,492
18 216 $71,561 $10,101 $61,461 $5,576,031
19 217 $71,561 $9,990 $61,571 $5,514,461
19 218 $71,561 $9,880 $61,681 $5,452,780
19 219 $71,561 $9,770 $61,792 $5,390,988
19 220 $71,561 $9,659 $61,902 $5,329,086
19 221 $71,561 $9,548 $62,013 $5,267,073
19 222 $71,561 $9,437 $62,124 $5,204,948
19 223 $71,561 $9,326 $62,236 $5,142,713
19 224 $71,561 $9,214 $62,347 $5,080,366
19 225 $71,561 $9,102 $62,459 $5,017,907
19 226 $71,561 $8,990 $62,571 $4,955,336
19 227 $71,561 $8,878 $62,683 $4,892,653
19 228 $71,561 $8,766 $62,795 $4,829,858
20 229 $71,561 $8,653 $62,908 $4,766,951
20 230 $71,561 $8,541 $63,020 $4,703,930
20 231 $71,561 $8,428 $63,133 $4,640,797
20 232 $71,561 $8,315 $63,246 $4,577,551
20 233 $71,561 $8,201 $63,360 $4,514,191
20 234 $71,561 $8,088 $63,473 $4,450,718
20 235 $71,561 $7,974 $63,587 $4,387,131
20 236 $71,561 $7,860 $63,701 $4,323,430
20 237 $71,561 $7,746 $63,815 $4,259,615
20 238 $71,561 $7,632 $63,929 $4,195,686
20 239 $71,561 $7,517 $64,044 $4,131,642
20 240 $71,561 $7,403 $64,159 $4,067,484
21 241 $71,561 $7,288 $64,274 $4,003,210
21 242 $71,561 $7,172 $64,389 $3,938,821
21 243 $71,561 $7,057 $64,504 $3,874,317
21 244 $71,561 $6,941 $64,620 $3,809,698
21 245 $71,561 $6,826 $64,735 $3,744,962
21 246 $71,561 $6,710 $64,851 $3,680,111
21 247 $71,561 $6,594 $64,968 $3,615,143
21 248 $71,561 $6,477 $65,084 $3,550,059
21 249 $71,561 $6,361 $65,201 $3,484,859
21 250 $71,561 $6,244 $65,317 $3,419,541
21 251 $71,561 $6,127 $65,434 $3,354,107
21 252 $71,561 $6,009 $65,552 $3,288,555
22 253 $71,561 $5,892 $65,669 $3,222,886
22 254 $71,561 $5,774 $65,787 $3,157,099
22 255 $71,561 $5,656 $65,905 $3,091,195
22 256 $71,561 $5,538 $66,023 $3,025,172
22 257 $71,561 $5,420 $66,141 $2,959,031
22 258 $71,561 $5,302 $66,260 $2,892,772
22 259 $71,561 $5,183 $66,378 $2,826,393
22 260 $71,561 $5,064 $66,497 $2,759,896
22 261 $71,561 $4,945 $66,616 $2,693,280
22 262 $71,561 $4,825 $66,736 $2,626,544
22 263 $71,561 $4,706 $66,855 $2,559,689
22 264 $71,561 $4,586 $66,975 $2,492,714
23 265 $71,561 $4,466 $67,095 $2,425,619
23 266 $71,561 $4,346 $67,215 $2,358,404
23 267 $71,561 $4,225 $67,336 $2,291,068
23 268 $71,561 $4,105 $67,456 $2,223,612
23 269 $71,561 $3,984 $67,577 $2,156,035
23 270 $71,561 $3,863 $67,698 $2,088,337
23 271 $71,561 $3,742 $67,820 $2,020,517
23 272 $71,561 $3,620 $67,941 $1,952,576
23 273 $71,561 $3,498 $68,063 $1,884,513
23 274 $71,561 $3,376 $68,185 $1,816,329
23 275 $71,561 $3,254 $68,307 $1,748,022
23 276 $71,561 $3,132 $68,429 $1,679,593
24 277 $71,561 $3,009 $68,552 $1,611,041
24 278 $71,561 $2,886 $68,675 $1,542,366
24 279 $71,561 $2,763 $68,798 $1,473,568
24 280 $71,561 $2,640 $68,921 $1,404,647
24 281 $71,561 $2,517 $69,044 $1,335,603
24 282 $71,561 $2,393 $69,168 $1,266,435
24 283 $71,561 $2,269 $69,292 $1,197,143
24 284 $71,561 $2,145 $69,416 $1,127,727
24 285 $71,561 $2,021 $69,541 $1,058,186
24 286 $71,561 $1,896 $69,665 $988,521
24 287 $71,561 $1,771 $69,790 $918,731
24 288 $71,561 $1,646 $69,915 $848,816
25 289 $71,561 $1,521 $70,040 $778,775
25 290 $71,561 $1,395 $70,166 $708,610
25 291 $71,561 $1,270 $70,292 $638,318
25 292 $71,561 $1,144 $70,417 $567,901
25 293 $71,561 $1,017 $70,544 $497,357
25 294 $71,561 $891 $70,670 $426,687
25 295 $71,561 $764 $70,797 $355,890
25 296 $71,561 $638 $70,923 $284,967
25 297 $71,561 $511 $71,051 $213,916
25 298 $71,561 $383 $71,178 $142,738
25 299 $71,561 $256 $71,305 $71,433
25 300 $71,561 $128 $71,433 $0