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$ 6,552,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 6,715,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$6,552,000
 
Monthly Repayment (HKD)
$42,378
Loan Amount (HKD)
$9,828,000
+
Total Interest (HKD)
$2,885,351
=
Total Repayment (HKD)
$12,713,351
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $42,378 $17,609 $24,769 $9,803,231
1 2 $42,378 $17,564 $24,814 $9,778,417
1 3 $42,378 $17,520 $24,858 $9,753,559
1 4 $42,378 $17,475 $24,903 $9,728,656
1 5 $42,378 $17,431 $24,947 $9,703,709
1 6 $42,378 $17,386 $24,992 $9,678,717
1 7 $42,378 $17,341 $25,037 $9,653,680
1 8 $42,378 $17,296 $25,082 $9,628,598
1 9 $42,378 $17,251 $25,127 $9,603,472
1 10 $42,378 $17,206 $25,172 $9,578,300
1 11 $42,378 $17,161 $25,217 $9,553,083
1 12 $42,378 $17,116 $25,262 $9,527,821
2 13 $42,378 $17,071 $25,307 $9,502,514
2 14 $42,378 $17,025 $25,352 $9,477,162
2 15 $42,378 $16,980 $25,398 $9,451,764
2 16 $42,378 $16,934 $25,443 $9,426,320
2 17 $42,378 $16,889 $25,489 $9,400,831
2 18 $42,378 $16,843 $25,535 $9,375,297
2 19 $42,378 $16,797 $25,580 $9,349,716
2 20 $42,378 $16,752 $25,626 $9,324,090
2 21 $42,378 $16,706 $25,672 $9,298,418
2 22 $42,378 $16,660 $25,718 $9,272,700
2 23 $42,378 $16,614 $25,764 $9,246,935
2 24 $42,378 $16,567 $25,810 $9,221,125
3 25 $42,378 $16,521 $25,857 $9,195,268
3 26 $42,378 $16,475 $25,903 $9,169,365
3 27 $42,378 $16,428 $25,949 $9,143,416
3 28 $42,378 $16,382 $25,996 $9,117,420
3 29 $42,378 $16,335 $26,042 $9,091,378
3 30 $42,378 $16,289 $26,089 $9,065,289
3 31 $42,378 $16,242 $26,136 $9,039,153
3 32 $42,378 $16,195 $26,183 $9,012,970
3 33 $42,378 $16,148 $26,230 $8,986,740
3 34 $42,378 $16,101 $26,277 $8,960,464
3 35 $42,378 $16,054 $26,324 $8,934,140
3 36 $42,378 $16,007 $26,371 $8,907,769
4 37 $42,378 $15,960 $26,418 $8,881,351
4 38 $42,378 $15,912 $26,465 $8,854,886
4 39 $42,378 $15,865 $26,513 $8,828,373
4 40 $42,378 $15,818 $26,560 $8,801,813
4 41 $42,378 $15,770 $26,608 $8,775,205
4 42 $42,378 $15,722 $26,656 $8,748,549
4 43 $42,378 $15,674 $26,703 $8,721,846
4 44 $42,378 $15,627 $26,751 $8,695,095
4 45 $42,378 $15,579 $26,799 $8,668,295
4 46 $42,378 $15,531 $26,847 $8,641,448
4 47 $42,378 $15,483 $26,895 $8,614,553
4 48 $42,378 $15,434 $26,943 $8,587,610
5 49 $42,378 $15,386 $26,992 $8,560,618
5 50 $42,378 $15,338 $27,040 $8,533,578
5 51 $42,378 $15,289 $27,089 $8,506,489
5 52 $42,378 $15,241 $27,137 $8,479,352
5 53 $42,378 $15,192 $27,186 $8,452,167
5 54 $42,378 $15,143 $27,234 $8,424,932
5 55 $42,378 $15,095 $27,283 $8,397,649
5 56 $42,378 $15,046 $27,332 $8,370,317
5 57 $42,378 $14,997 $27,381 $8,342,936
5 58 $42,378 $14,948 $27,430 $8,315,506
5 59 $42,378 $14,899 $27,479 $8,288,027
5 60 $42,378 $14,849 $27,528 $8,260,498
6 61 $42,378 $14,800 $27,578 $8,232,921
6 62 $42,378 $14,751 $27,627 $8,205,293
6 63 $42,378 $14,701 $27,677 $8,177,617
6 64 $42,378 $14,652 $27,726 $8,149,890
6 65 $42,378 $14,602 $27,776 $8,122,114
6 66 $42,378 $14,552 $27,826 $8,094,289
6 67 $42,378 $14,502 $27,876 $8,066,413
6 68 $42,378 $14,452 $27,926 $8,038,488
6 69 $42,378 $14,402 $27,976 $8,010,512
6 70 $42,378 $14,352 $28,026 $7,982,486
6 71 $42,378 $14,302 $28,076 $7,954,411
6 72 $42,378 $14,252 $28,126 $7,926,284
7 73 $42,378 $14,201 $28,177 $7,898,108
7 74 $42,378 $14,151 $28,227 $7,869,881
7 75 $42,378 $14,100 $28,278 $7,841,603
7 76 $42,378 $14,050 $28,328 $7,813,275
7 77 $42,378 $13,999 $28,379 $7,784,896
7 78 $42,378 $13,948 $28,430 $7,756,466
7 79 $42,378 $13,897 $28,481 $7,727,985
7 80 $42,378 $13,846 $28,532 $7,699,453
7 81 $42,378 $13,795 $28,583 $7,670,870
7 82 $42,378 $13,744 $28,634 $7,642,236
7 83 $42,378 $13,692 $28,685 $7,613,551
7 84 $42,378 $13,641 $28,737 $7,584,814
8 85 $42,378 $13,589 $28,788 $7,556,025
8 86 $42,378 $13,538 $28,840 $7,527,185
8 87 $42,378 $13,486 $28,892 $7,498,294
8 88 $42,378 $13,434 $28,943 $7,469,350
8 89 $42,378 $13,383 $28,995 $7,440,355
8 90 $42,378 $13,331 $29,047 $7,411,308
8 91 $42,378 $13,279 $29,099 $7,382,209
8 92 $42,378 $13,226 $29,151 $7,353,057
8 93 $42,378 $13,174 $29,204 $7,323,854
8 94 $42,378 $13,122 $29,256 $7,294,598
8 95 $42,378 $13,069 $29,308 $7,265,289
8 96 $42,378 $13,017 $29,361 $7,235,928
9 97 $42,378 $12,964 $29,413 $7,206,515
9 98 $42,378 $12,912 $29,466 $7,177,049
9 99 $42,378 $12,859 $29,519 $7,147,530
9 100 $42,378 $12,806 $29,572 $7,117,958
9 101 $42,378 $12,753 $29,625 $7,088,333
9 102 $42,378 $12,700 $29,678 $7,058,655
9 103 $42,378 $12,647 $29,731 $7,028,924
9 104 $42,378 $12,593 $29,784 $6,999,140
9 105 $42,378 $12,540 $29,838 $6,969,302
9 106 $42,378 $12,487 $29,891 $6,939,411
9 107 $42,378 $12,433 $29,945 $6,909,466
9 108 $42,378 $12,379 $29,998 $6,879,468
10 109 $42,378 $12,326 $30,052 $6,849,416
10 110 $42,378 $12,272 $30,106 $6,819,310
10 111 $42,378 $12,218 $30,160 $6,789,150
10 112 $42,378 $12,164 $30,214 $6,758,936
10 113 $42,378 $12,110 $30,268 $6,728,668
10 114 $42,378 $12,056 $30,322 $6,698,346
10 115 $42,378 $12,001 $30,377 $6,667,969
10 116 $42,378 $11,947 $30,431 $6,637,538
10 117 $42,378 $11,892 $30,486 $6,607,052
10 118 $42,378 $11,838 $30,540 $6,576,512
10 119 $42,378 $11,783 $30,595 $6,545,917
10 120 $42,378 $11,728 $30,650 $6,515,267
11 121 $42,378 $11,673 $30,705 $6,484,563
11 122 $42,378 $11,618 $30,760 $6,453,803
11 123 $42,378 $11,563 $30,815 $6,422,988
11 124 $42,378 $11,508 $30,870 $6,392,118
11 125 $42,378 $11,453 $30,925 $6,361,193
11 126 $42,378 $11,397 $30,981 $6,330,212
11 127 $42,378 $11,342 $31,036 $6,299,176
11 128 $42,378 $11,286 $31,092 $6,268,084
11 129 $42,378 $11,230 $31,148 $6,236,937
11 130 $42,378 $11,175 $31,203 $6,205,734
11 131 $42,378 $11,119 $31,259 $6,174,474
11 132 $42,378 $11,063 $31,315 $6,143,159
12 133 $42,378 $11,006 $31,371 $6,111,788
12 134 $42,378 $10,950 $31,428 $6,080,360
12 135 $42,378 $10,894 $31,484 $6,048,876
12 136 $42,378 $10,838 $31,540 $6,017,336
12 137 $42,378 $10,781 $31,597 $5,985,739
12 138 $42,378 $10,724 $31,653 $5,954,086
12 139 $42,378 $10,668 $31,710 $5,922,376
12 140 $42,378 $10,611 $31,767 $5,890,609
12 141 $42,378 $10,554 $31,824 $5,858,785
12 142 $42,378 $10,497 $31,881 $5,826,904
12 143 $42,378 $10,440 $31,938 $5,794,966
12 144 $42,378 $10,383 $31,995 $5,762,971
13 145 $42,378 $10,325 $32,053 $5,730,919
13 146 $42,378 $10,268 $32,110 $5,698,809
13 147 $42,378 $10,210 $32,167 $5,666,641
13 148 $42,378 $10,153 $32,225 $5,634,416
13 149 $42,378 $10,095 $32,283 $5,602,133
13 150 $42,378 $10,037 $32,341 $5,569,793
13 151 $42,378 $9,979 $32,399 $5,537,394
13 152 $42,378 $9,921 $32,457 $5,504,937
13 153 $42,378 $9,863 $32,515 $5,472,422
13 154 $42,378 $9,805 $32,573 $5,439,849
13 155 $42,378 $9,746 $32,631 $5,407,218
13 156 $42,378 $9,688 $32,690 $5,374,528
14 157 $42,378 $9,629 $32,748 $5,341,780
14 158 $42,378 $9,571 $32,807 $5,308,972
14 159 $42,378 $9,512 $32,866 $5,276,106
14 160 $42,378 $9,453 $32,925 $5,243,182
14 161 $42,378 $9,394 $32,984 $5,210,198
14 162 $42,378 $9,335 $33,043 $5,177,155
14 163 $42,378 $9,276 $33,102 $5,144,053
14 164 $42,378 $9,216 $33,161 $5,110,891
14 165 $42,378 $9,157 $33,221 $5,077,671
14 166 $42,378 $9,097 $33,280 $5,044,390
14 167 $42,378 $9,038 $33,340 $5,011,050
14 168 $42,378 $8,978 $33,400 $4,977,651
15 169 $42,378 $8,918 $33,460 $4,944,191
15 170 $42,378 $8,858 $33,519 $4,910,672
15 171 $42,378 $8,798 $33,580 $4,877,092
15 172 $42,378 $8,738 $33,640 $4,843,452
15 173 $42,378 $8,678 $33,700 $4,809,752
15 174 $42,378 $8,617 $33,760 $4,775,992
15 175 $42,378 $8,557 $33,821 $4,742,171
15 176 $42,378 $8,496 $33,881 $4,708,290
15 177 $42,378 $8,436 $33,942 $4,674,348
15 178 $42,378 $8,375 $34,003 $4,640,345
15 179 $42,378 $8,314 $34,064 $4,606,281
15 180 $42,378 $8,253 $34,125 $4,572,156
16 181 $42,378 $8,192 $34,186 $4,537,970
16 182 $42,378 $8,131 $34,247 $4,503,722
16 183 $42,378 $8,069 $34,309 $4,469,414
16 184 $42,378 $8,008 $34,370 $4,435,044
16 185 $42,378 $7,946 $34,432 $4,400,612
16 186 $42,378 $7,884 $34,493 $4,366,118
16 187 $42,378 $7,823 $34,555 $4,331,563
16 188 $42,378 $7,761 $34,617 $4,296,946
16 189 $42,378 $7,699 $34,679 $4,262,267
16 190 $42,378 $7,637 $34,741 $4,227,526
16 191 $42,378 $7,574 $34,804 $4,192,722
16 192 $42,378 $7,512 $34,866 $4,157,856
17 193 $42,378 $7,449 $34,928 $4,122,928
17 194 $42,378 $7,387 $34,991 $4,087,937
17 195 $42,378 $7,324 $35,054 $4,052,883
17 196 $42,378 $7,261 $35,116 $4,017,767
17 197 $42,378 $7,198 $35,179 $3,982,588
17 198 $42,378 $7,135 $35,242 $3,947,345
17 199 $42,378 $7,072 $35,306 $3,912,040
17 200 $42,378 $7,009 $35,369 $3,876,671
17 201 $42,378 $6,946 $35,432 $3,841,239
17 202 $42,378 $6,882 $35,496 $3,805,743
17 203 $42,378 $6,819 $35,559 $3,770,184
17 204 $42,378 $6,755 $35,623 $3,734,561
18 205 $42,378 $6,691 $35,687 $3,698,874
18 206 $42,378 $6,627 $35,751 $3,663,124
18 207 $42,378 $6,563 $35,815 $3,627,309
18 208 $42,378 $6,499 $35,879 $3,591,430
18 209 $42,378 $6,435 $35,943 $3,555,487
18 210 $42,378 $6,370 $36,008 $3,519,479
18 211 $42,378 $6,306 $36,072 $3,483,407
18 212 $42,378 $6,241 $36,137 $3,447,271
18 213 $42,378 $6,176 $36,201 $3,411,069
18 214 $42,378 $6,111 $36,266 $3,374,803
18 215 $42,378 $6,047 $36,331 $3,338,471
18 216 $42,378 $5,981 $36,396 $3,302,075
19 217 $42,378 $5,916 $36,462 $3,265,613
19 218 $42,378 $5,851 $36,527 $3,229,086
19 219 $42,378 $5,785 $36,592 $3,192,494
19 220 $42,378 $5,720 $36,658 $3,155,836
19 221 $42,378 $5,654 $36,724 $3,119,112
19 222 $42,378 $5,588 $36,789 $3,082,323
19 223 $42,378 $5,522 $36,855 $3,045,468
19 224 $42,378 $5,456 $36,921 $3,008,546
19 225 $42,378 $5,390 $36,988 $2,971,559
19 226 $42,378 $5,324 $37,054 $2,934,505
19 227 $42,378 $5,258 $37,120 $2,897,385
19 228 $42,378 $5,191 $37,187 $2,860,198
20 229 $42,378 $5,125 $37,253 $2,822,945
20 230 $42,378 $5,058 $37,320 $2,785,625
20 231 $42,378 $4,991 $37,387 $2,748,238
20 232 $42,378 $4,924 $37,454 $2,710,784
20 233 $42,378 $4,857 $37,521 $2,673,263
20 234 $42,378 $4,790 $37,588 $2,635,675
20 235 $42,378 $4,722 $37,656 $2,598,019
20 236 $42,378 $4,655 $37,723 $2,560,296
20 237 $42,378 $4,587 $37,791 $2,522,505
20 238 $42,378 $4,519 $37,858 $2,484,647
20 239 $42,378 $4,452 $37,926 $2,446,721
20 240 $42,378 $4,384 $37,994 $2,408,727
21 241 $42,378 $4,316 $38,062 $2,370,665
21 242 $42,378 $4,247 $38,130 $2,332,534
21 243 $42,378 $4,179 $38,199 $2,294,335
21 244 $42,378 $4,111 $38,267 $2,256,068
21 245 $42,378 $4,042 $38,336 $2,217,733
21 246 $42,378 $3,973 $38,404 $2,179,328
21 247 $42,378 $3,905 $38,473 $2,140,855
21 248 $42,378 $3,836 $38,542 $2,102,313
21 249 $42,378 $3,767 $38,611 $2,063,702
21 250 $42,378 $3,697 $38,680 $2,025,021
21 251 $42,378 $3,628 $38,750 $1,986,272
21 252 $42,378 $3,559 $38,819 $1,947,453
22 253 $42,378 $3,489 $38,889 $1,908,564
22 254 $42,378 $3,420 $38,958 $1,869,606
22 255 $42,378 $3,350 $39,028 $1,830,577
22 256 $42,378 $3,280 $39,098 $1,791,479
22 257 $42,378 $3,210 $39,168 $1,752,311
22 258 $42,378 $3,140 $39,238 $1,713,073
22 259 $42,378 $3,069 $39,309 $1,673,764
22 260 $42,378 $2,999 $39,379 $1,634,385
22 261 $42,378 $2,928 $39,450 $1,594,936
22 262 $42,378 $2,858 $39,520 $1,555,416
22 263 $42,378 $2,787 $39,591 $1,515,825
22 264 $42,378 $2,716 $39,662 $1,476,163
23 265 $42,378 $2,645 $39,733 $1,436,430
23 266 $42,378 $2,574 $39,804 $1,396,625
23 267 $42,378 $2,502 $39,876 $1,356,750
23 268 $42,378 $2,431 $39,947 $1,316,803
23 269 $42,378 $2,359 $40,019 $1,276,784
23 270 $42,378 $2,288 $40,090 $1,236,694
23 271 $42,378 $2,216 $40,162 $1,196,532
23 272 $42,378 $2,144 $40,234 $1,156,298
23 273 $42,378 $2,072 $40,306 $1,115,992
23 274 $42,378 $1,999 $40,378 $1,075,613
23 275 $42,378 $1,927 $40,451 $1,035,163
23 276 $42,378 $1,855 $40,523 $994,639
24 277 $42,378 $1,782 $40,596 $954,044
24 278 $42,378 $1,709 $40,669 $913,375
24 279 $42,378 $1,636 $40,741 $872,634
24 280 $42,378 $1,563 $40,814 $831,819
24 281 $42,378 $1,490 $40,887 $790,932
24 282 $42,378 $1,417 $40,961 $749,971
24 283 $42,378 $1,344 $41,034 $708,937
24 284 $42,378 $1,270 $41,108 $667,829
24 285 $42,378 $1,197 $41,181 $626,648
24 286 $42,378 $1,123 $41,255 $585,393
24 287 $42,378 $1,049 $41,329 $544,064
24 288 $42,378 $975 $41,403 $502,661
25 289 $42,378 $901 $41,477 $461,184
25 290 $42,378 $826 $41,552 $419,632
25 291 $42,378 $752 $41,626 $378,006
25 292 $42,378 $677 $41,701 $336,306
25 293 $42,378 $603 $41,775 $294,530
25 294 $42,378 $528 $41,850 $252,680
25 295 $42,378 $453 $41,925 $210,755
25 296 $42,378 $378 $42,000 $168,755
25 297 $42,378 $302 $42,075 $126,679
25 298 $42,378 $227 $42,151 $84,528
25 299 $42,378 $151 $42,226 $42,302
25 300 $42,378 $76 $42,302 $0