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$ 14,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 14,350,000
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$14,000,000
 
Monthly Repayment (HKD)
$90,551
Loan Amount (HKD)
$21,000,000
+
Total Interest (HKD)
$6,165,279
=
Total Repayment (HKD)
$27,165,279
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $90,551 $37,625 $52,926 $20,947,074
1 2 $90,551 $37,530 $53,021 $20,894,053
1 3 $90,551 $37,435 $53,116 $20,840,938
1 4 $90,551 $37,340 $53,211 $20,787,727
1 5 $90,551 $37,245 $53,306 $20,734,420
1 6 $90,551 $37,149 $53,402 $20,681,019
1 7 $90,551 $37,053 $53,497 $20,627,521
1 8 $90,551 $36,958 $53,593 $20,573,928
1 9 $90,551 $36,862 $53,689 $20,520,239
1 10 $90,551 $36,765 $53,786 $20,466,453
1 11 $90,551 $36,669 $53,882 $20,412,571
1 12 $90,551 $36,573 $53,978 $20,358,593
2 13 $90,551 $36,476 $54,075 $20,304,518
2 14 $90,551 $36,379 $54,172 $20,250,346
2 15 $90,551 $36,282 $54,269 $20,196,077
2 16 $90,551 $36,185 $54,366 $20,141,710
2 17 $90,551 $36,087 $54,464 $20,087,247
2 18 $90,551 $35,990 $54,561 $20,032,685
2 19 $90,551 $35,892 $54,659 $19,978,026
2 20 $90,551 $35,794 $54,757 $19,923,269
2 21 $90,551 $35,696 $54,855 $19,868,414
2 22 $90,551 $35,598 $54,953 $19,813,461
2 23 $90,551 $35,499 $55,052 $19,758,409
2 24 $90,551 $35,400 $55,150 $19,703,259
3 25 $90,551 $35,302 $55,249 $19,648,009
3 26 $90,551 $35,203 $55,348 $19,592,661
3 27 $90,551 $35,104 $55,447 $19,537,214
3 28 $90,551 $35,004 $55,547 $19,481,667
3 29 $90,551 $34,905 $55,646 $19,426,021
3 30 $90,551 $34,805 $55,746 $19,370,275
3 31 $90,551 $34,705 $55,846 $19,314,429
3 32 $90,551 $34,605 $55,946 $19,258,483
3 33 $90,551 $34,505 $56,046 $19,202,437
3 34 $90,551 $34,404 $56,147 $19,146,290
3 35 $90,551 $34,304 $56,247 $19,090,043
3 36 $90,551 $34,203 $56,348 $19,033,695
4 37 $90,551 $34,102 $56,449 $18,977,246
4 38 $90,551 $34,001 $56,550 $18,920,696
4 39 $90,551 $33,900 $56,651 $18,864,045
4 40 $90,551 $33,798 $56,753 $18,807,292
4 41 $90,551 $33,696 $56,855 $18,750,438
4 42 $90,551 $33,595 $56,956 $18,693,481
4 43 $90,551 $33,492 $57,058 $18,636,423
4 44 $90,551 $33,390 $57,161 $18,579,262
4 45 $90,551 $33,288 $57,263 $18,521,999
4 46 $90,551 $33,185 $57,366 $18,464,633
4 47 $90,551 $33,082 $57,468 $18,407,165
4 48 $90,551 $32,980 $57,571 $18,349,593
5 49 $90,551 $32,876 $57,675 $18,291,919
5 50 $90,551 $32,773 $57,778 $18,234,141
5 51 $90,551 $32,670 $57,881 $18,176,259
5 52 $90,551 $32,566 $57,985 $18,118,274
5 53 $90,551 $32,462 $58,089 $18,060,185
5 54 $90,551 $32,358 $58,193 $18,001,992
5 55 $90,551 $32,254 $58,297 $17,943,695
5 56 $90,551 $32,149 $58,402 $17,885,293
5 57 $90,551 $32,044 $58,506 $17,826,787
5 58 $90,551 $31,940 $58,611 $17,768,175
5 59 $90,551 $31,835 $58,716 $17,709,459
5 60 $90,551 $31,729 $58,821 $17,650,638
6 61 $90,551 $31,624 $58,927 $17,591,711
6 62 $90,551 $31,518 $59,032 $17,532,678
6 63 $90,551 $31,413 $59,138 $17,473,540
6 64 $90,551 $31,307 $59,244 $17,414,296
6 65 $90,551 $31,201 $59,350 $17,354,946
6 66 $90,551 $31,094 $59,457 $17,295,489
6 67 $90,551 $30,988 $59,563 $17,235,926
6 68 $90,551 $30,881 $59,670 $17,176,256
6 69 $90,551 $30,774 $59,777 $17,116,479
6 70 $90,551 $30,667 $59,884 $17,056,595
6 71 $90,551 $30,560 $59,991 $16,996,604
6 72 $90,551 $30,452 $60,099 $16,936,505
7 73 $90,551 $30,345 $60,206 $16,876,299
7 74 $90,551 $30,237 $60,314 $16,815,985
7 75 $90,551 $30,129 $60,422 $16,755,562
7 76 $90,551 $30,020 $60,531 $16,695,032
7 77 $90,551 $29,912 $60,639 $16,634,393
7 78 $90,551 $29,803 $60,748 $16,573,645
7 79 $90,551 $29,694 $60,856 $16,512,789
7 80 $90,551 $29,585 $60,966 $16,451,823
7 81 $90,551 $29,476 $61,075 $16,390,748
7 82 $90,551 $29,367 $61,184 $16,329,564
7 83 $90,551 $29,257 $61,294 $16,268,270
7 84 $90,551 $29,147 $61,404 $16,206,867
8 85 $90,551 $29,037 $61,514 $16,145,353
8 86 $90,551 $28,927 $61,624 $16,083,729
8 87 $90,551 $28,817 $61,734 $16,021,995
8 88 $90,551 $28,706 $61,845 $15,960,150
8 89 $90,551 $28,595 $61,956 $15,898,195
8 90 $90,551 $28,484 $62,067 $15,836,128
8 91 $90,551 $28,373 $62,178 $15,773,950
8 92 $90,551 $28,262 $62,289 $15,711,661
8 93 $90,551 $28,150 $62,401 $15,649,260
8 94 $90,551 $28,038 $62,513 $15,586,747
8 95 $90,551 $27,926 $62,625 $15,524,123
8 96 $90,551 $27,814 $62,737 $15,461,386
9 97 $90,551 $27,702 $62,849 $15,398,536
9 98 $90,551 $27,589 $62,962 $15,335,574
9 99 $90,551 $27,476 $63,075 $15,272,500
9 100 $90,551 $27,363 $63,188 $15,209,312
9 101 $90,551 $27,250 $63,301 $15,146,011
9 102 $90,551 $27,137 $63,414 $15,082,597
9 103 $90,551 $27,023 $63,528 $15,019,069
9 104 $90,551 $26,909 $63,642 $14,955,427
9 105 $90,551 $26,795 $63,756 $14,891,671
9 106 $90,551 $26,681 $63,870 $14,827,801
9 107 $90,551 $26,566 $63,984 $14,763,817
9 108 $90,551 $26,452 $64,099 $14,699,718
10 109 $90,551 $26,337 $64,214 $14,635,504
10 110 $90,551 $26,222 $64,329 $14,571,175
10 111 $90,551 $26,107 $64,444 $14,506,731
10 112 $90,551 $25,991 $64,560 $14,442,171
10 113 $90,551 $25,876 $64,675 $14,377,496
10 114 $90,551 $25,760 $64,791 $14,312,704
10 115 $90,551 $25,644 $64,907 $14,247,797
10 116 $90,551 $25,527 $65,024 $14,182,773
10 117 $90,551 $25,411 $65,140 $14,117,633
10 118 $90,551 $25,294 $65,257 $14,052,376
10 119 $90,551 $25,177 $65,374 $13,987,003
10 120 $90,551 $25,060 $65,491 $13,921,512
11 121 $90,551 $24,943 $65,608 $13,855,904
11 122 $90,551 $24,825 $65,726 $13,790,178
11 123 $90,551 $24,707 $65,844 $13,724,334
11 124 $90,551 $24,589 $65,961 $13,658,373
11 125 $90,551 $24,471 $66,080 $13,592,293
11 126 $90,551 $24,353 $66,198 $13,526,095
11 127 $90,551 $24,234 $66,317 $13,459,778
11 128 $90,551 $24,115 $66,435 $13,393,343
11 129 $90,551 $23,996 $66,555 $13,326,788
11 130 $90,551 $23,877 $66,674 $13,260,115
11 131 $90,551 $23,758 $66,793 $13,193,321
11 132 $90,551 $23,638 $66,913 $13,126,408
12 133 $90,551 $23,518 $67,033 $13,059,376
12 134 $90,551 $23,398 $67,153 $12,992,223
12 135 $90,551 $23,278 $67,273 $12,924,950
12 136 $90,551 $23,157 $67,394 $12,857,556
12 137 $90,551 $23,036 $67,514 $12,790,041
12 138 $90,551 $22,915 $67,635 $12,722,406
12 139 $90,551 $22,794 $67,757 $12,654,649
12 140 $90,551 $22,673 $67,878 $12,586,771
12 141 $90,551 $22,551 $68,000 $12,518,772
12 142 $90,551 $22,429 $68,121 $12,450,650
12 143 $90,551 $22,307 $68,244 $12,382,407
12 144 $90,551 $22,185 $68,366 $12,314,041
13 145 $90,551 $22,063 $68,488 $12,245,553
13 146 $90,551 $21,940 $68,611 $12,176,942
13 147 $90,551 $21,817 $68,734 $12,108,208
13 148 $90,551 $21,694 $68,857 $12,039,351
13 149 $90,551 $21,571 $68,980 $11,970,370
13 150 $90,551 $21,447 $69,104 $11,901,266
13 151 $90,551 $21,323 $69,228 $11,832,038
13 152 $90,551 $21,199 $69,352 $11,762,686
13 153 $90,551 $21,075 $69,476 $11,693,210
13 154 $90,551 $20,950 $69,601 $11,623,610
13 155 $90,551 $20,826 $69,725 $11,553,884
13 156 $90,551 $20,701 $69,850 $11,484,034
14 157 $90,551 $20,576 $69,975 $11,414,059
14 158 $90,551 $20,450 $70,101 $11,343,958
14 159 $90,551 $20,325 $70,226 $11,273,732
14 160 $90,551 $20,199 $70,352 $11,203,380
14 161 $90,551 $20,073 $70,478 $11,132,901
14 162 $90,551 $19,946 $70,604 $11,062,297
14 163 $90,551 $19,820 $70,731 $10,991,566
14 164 $90,551 $19,693 $70,858 $10,920,708
14 165 $90,551 $19,566 $70,985 $10,849,724
14 166 $90,551 $19,439 $71,112 $10,778,612
14 167 $90,551 $19,312 $71,239 $10,707,373
14 168 $90,551 $19,184 $71,367 $10,636,006
15 169 $90,551 $19,056 $71,495 $10,564,511
15 170 $90,551 $18,928 $71,623 $10,492,888
15 171 $90,551 $18,800 $71,751 $10,421,137
15 172 $90,551 $18,671 $71,880 $10,349,257
15 173 $90,551 $18,542 $72,009 $10,277,249
15 174 $90,551 $18,413 $72,138 $10,205,111
15 175 $90,551 $18,284 $72,267 $10,132,844
15 176 $90,551 $18,155 $72,396 $10,060,448
15 177 $90,551 $18,025 $72,526 $9,987,922
15 178 $90,551 $17,895 $72,656 $9,915,266
15 179 $90,551 $17,765 $72,786 $9,842,480
15 180 $90,551 $17,634 $72,916 $9,769,564
16 181 $90,551 $17,504 $73,047 $9,696,517
16 182 $90,551 $17,373 $73,178 $9,623,338
16 183 $90,551 $17,242 $73,309 $9,550,029
16 184 $90,551 $17,110 $73,440 $9,476,589
16 185 $90,551 $16,979 $73,572 $9,403,017
16 186 $90,551 $16,847 $73,704 $9,329,313
16 187 $90,551 $16,715 $73,836 $9,255,477
16 188 $90,551 $16,583 $73,968 $9,181,509
16 189 $90,551 $16,450 $74,101 $9,107,408
16 190 $90,551 $16,317 $74,233 $9,033,175
16 191 $90,551 $16,184 $74,366 $8,958,808
16 192 $90,551 $16,051 $74,500 $8,884,308
17 193 $90,551 $15,918 $74,633 $8,809,675
17 194 $90,551 $15,784 $74,767 $8,734,908
17 195 $90,551 $15,650 $74,901 $8,660,007
17 196 $90,551 $15,516 $75,035 $8,584,972
17 197 $90,551 $15,381 $75,170 $8,509,803
17 198 $90,551 $15,247 $75,304 $8,434,499
17 199 $90,551 $15,112 $75,439 $8,359,060
17 200 $90,551 $14,977 $75,574 $8,283,485
17 201 $90,551 $14,841 $75,710 $8,207,776
17 202 $90,551 $14,706 $75,845 $8,131,930
17 203 $90,551 $14,570 $75,981 $8,055,949
17 204 $90,551 $14,434 $76,117 $7,979,832
18 205 $90,551 $14,297 $76,254 $7,903,578
18 206 $90,551 $14,161 $76,390 $7,827,188
18 207 $90,551 $14,024 $76,527 $7,750,660
18 208 $90,551 $13,887 $76,664 $7,673,996
18 209 $90,551 $13,749 $76,802 $7,597,194
18 210 $90,551 $13,612 $76,939 $7,520,255
18 211 $90,551 $13,474 $77,077 $7,443,178
18 212 $90,551 $13,336 $77,215 $7,365,963
18 213 $90,551 $13,197 $77,354 $7,288,609
18 214 $90,551 $13,059 $77,492 $7,211,117
18 215 $90,551 $12,920 $77,631 $7,133,486
18 216 $90,551 $12,781 $77,770 $7,055,716
19 217 $90,551 $12,641 $77,909 $6,977,806
19 218 $90,551 $12,502 $78,049 $6,899,757
19 219 $90,551 $12,362 $78,189 $6,821,568
19 220 $90,551 $12,222 $78,329 $6,743,240
19 221 $90,551 $12,082 $78,469 $6,664,770
19 222 $90,551 $11,941 $78,610 $6,586,160
19 223 $90,551 $11,800 $78,751 $6,507,410
19 224 $90,551 $11,659 $78,892 $6,428,518
19 225 $90,551 $11,518 $79,033 $6,349,485
19 226 $90,551 $11,376 $79,175 $6,270,310
19 227 $90,551 $11,234 $79,317 $6,190,993
19 228 $90,551 $11,092 $79,459 $6,111,534
20 229 $90,551 $10,950 $79,601 $6,031,933
20 230 $90,551 $10,807 $79,744 $5,952,190
20 231 $90,551 $10,664 $79,887 $5,872,303
20 232 $90,551 $10,521 $80,030 $5,792,273
20 233 $90,551 $10,378 $80,173 $5,712,100
20 234 $90,551 $10,234 $80,317 $5,631,783
20 235 $90,551 $10,090 $80,461 $5,551,323
20 236 $90,551 $9,946 $80,605 $5,470,718
20 237 $90,551 $9,802 $80,749 $5,389,969
20 238 $90,551 $9,657 $80,894 $5,309,075
20 239 $90,551 $9,512 $81,039 $5,228,036
20 240 $90,551 $9,367 $81,184 $5,146,852
21 241 $90,551 $9,221 $81,329 $5,065,523
21 242 $90,551 $9,076 $81,475 $4,984,047
21 243 $90,551 $8,930 $81,621 $4,902,426
21 244 $90,551 $8,784 $81,767 $4,820,659
21 245 $90,551 $8,637 $81,914 $4,738,745
21 246 $90,551 $8,490 $82,061 $4,656,684
21 247 $90,551 $8,343 $82,208 $4,574,476
21 248 $90,551 $8,196 $82,355 $4,492,121
21 249 $90,551 $8,048 $82,503 $4,409,619
21 250 $90,551 $7,901 $82,650 $4,326,969
21 251 $90,551 $7,752 $82,798 $4,244,170
21 252 $90,551 $7,604 $82,947 $4,161,223
22 253 $90,551 $7,456 $83,095 $4,078,128
22 254 $90,551 $7,307 $83,244 $3,994,884
22 255 $90,551 $7,157 $83,393 $3,911,490
22 256 $90,551 $7,008 $83,543 $3,827,947
22 257 $90,551 $6,858 $83,693 $3,744,255
22 258 $90,551 $6,708 $83,842 $3,660,412
22 259 $90,551 $6,558 $83,993 $3,576,420
22 260 $90,551 $6,408 $84,143 $3,492,276
22 261 $90,551 $6,257 $84,294 $3,407,983
22 262 $90,551 $6,106 $84,445 $3,323,538
22 263 $90,551 $5,955 $84,596 $3,238,941
22 264 $90,551 $5,803 $84,748 $3,154,193
23 265 $90,551 $5,651 $84,900 $3,069,294
23 266 $90,551 $5,499 $85,052 $2,984,242
23 267 $90,551 $5,347 $85,204 $2,899,038
23 268 $90,551 $5,194 $85,357 $2,813,681
23 269 $90,551 $5,041 $85,510 $2,728,171
23 270 $90,551 $4,888 $85,663 $2,642,508
23 271 $90,551 $4,734 $85,816 $2,556,692
23 272 $90,551 $4,581 $85,970 $2,470,722
23 273 $90,551 $4,427 $86,124 $2,384,598
23 274 $90,551 $4,272 $86,279 $2,298,319
23 275 $90,551 $4,118 $86,433 $2,211,886
23 276 $90,551 $3,963 $86,588 $2,125,298
24 277 $90,551 $3,808 $86,743 $2,038,555
24 278 $90,551 $3,652 $86,899 $1,951,656
24 279 $90,551 $3,497 $87,054 $1,864,602
24 280 $90,551 $3,341 $87,210 $1,777,392
24 281 $90,551 $3,184 $87,366 $1,690,025
24 282 $90,551 $3,028 $87,523 $1,602,502
24 283 $90,551 $2,871 $87,680 $1,514,823
24 284 $90,551 $2,714 $87,837 $1,426,986
24 285 $90,551 $2,557 $87,994 $1,338,992
24 286 $90,551 $2,399 $88,152 $1,250,840
24 287 $90,551 $2,241 $88,310 $1,162,530
24 288 $90,551 $2,083 $88,468 $1,074,062
25 289 $90,551 $1,924 $88,627 $985,435
25 290 $90,551 $1,766 $88,785 $896,650
25 291 $90,551 $1,606 $88,944 $807,705
25 292 $90,551 $1,447 $89,104 $718,602
25 293 $90,551 $1,287 $89,263 $629,338
25 294 $90,551 $1,128 $89,423 $539,915
25 295 $90,551 $967 $89,584 $450,331
25 296 $90,551 $807 $89,744 $360,587
25 297 $90,551 $646 $89,905 $270,682
25 298 $90,551 $485 $90,066 $180,616
25 299 $90,551 $324 $90,227 $90,389
25 300 $90,551 $162 $90,389 $0