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$ 9,352,000
Agency Commission (HK$ )
Legal Fees (HK$ )
Stamp Duty (BSD)
Stamp Duty (SSD)
TOTALHK$ 9,585,800
* Please go to government website for latest Stamp Duty Details.
CALCULATION RESULT
Down Payment (HKD)
$9,352,000
 
Monthly Repayment (HKD)
$60,488
Loan Amount (HKD)
$14,028,000
+
Total Interest (HKD)
$4,118,406
=
Total Repayment (HKD)
$18,146,406
Repayment Schedule
Year Instalment Repayment (HK$ ) Interest (HK$ ) Principal (HK$ ) Outstanding Amount (HK$ )
1 1 $60,488 $25,134 $35,355 $13,992,645
1 2 $60,488 $25,070 $35,418 $13,957,228
1 3 $60,488 $25,007 $35,481 $13,921,746
1 4 $60,488 $24,943 $35,545 $13,886,201
1 5 $60,488 $24,879 $35,609 $13,850,593
1 6 $60,488 $24,816 $35,672 $13,814,920
1 7 $60,488 $24,752 $35,736 $13,779,184
1 8 $60,488 $24,688 $35,800 $13,743,384
1 9 $60,488 $24,624 $35,864 $13,707,519
1 10 $60,488 $24,559 $35,929 $13,671,591
1 11 $60,488 $24,495 $35,993 $13,635,598
1 12 $60,488 $24,430 $36,058 $13,599,540
2 13 $60,488 $24,366 $36,122 $13,563,418
2 14 $60,488 $24,301 $36,187 $13,527,231
2 15 $60,488 $24,236 $36,252 $13,490,979
2 16 $60,488 $24,171 $36,317 $13,454,663
2 17 $60,488 $24,106 $36,382 $13,418,281
2 18 $60,488 $24,041 $36,447 $13,381,834
2 19 $60,488 $23,976 $36,512 $13,345,322
2 20 $60,488 $23,910 $36,578 $13,308,744
2 21 $60,488 $23,845 $36,643 $13,272,101
2 22 $60,488 $23,779 $36,709 $13,235,392
2 23 $60,488 $23,713 $36,775 $13,198,617
2 24 $60,488 $23,648 $36,840 $13,161,777
3 25 $60,488 $23,582 $36,907 $13,124,870
3 26 $60,488 $23,515 $36,973 $13,087,898
3 27 $60,488 $23,449 $37,039 $13,050,859
3 28 $60,488 $23,383 $37,105 $13,013,754
3 29 $60,488 $23,316 $37,172 $12,976,582
3 30 $60,488 $23,250 $37,238 $12,939,344
3 31 $60,488 $23,183 $37,305 $12,902,039
3 32 $60,488 $23,116 $37,372 $12,864,667
3 33 $60,488 $23,049 $37,439 $12,827,228
3 34 $60,488 $22,982 $37,506 $12,789,722
3 35 $60,488 $22,915 $37,573 $12,752,149
3 36 $60,488 $22,848 $37,640 $12,714,508
4 37 $60,488 $22,780 $37,708 $12,676,801
4 38 $60,488 $22,713 $37,775 $12,639,025
4 39 $60,488 $22,645 $37,843 $12,601,182
4 40 $60,488 $22,577 $37,911 $12,563,271
4 41 $60,488 $22,509 $37,979 $12,525,292
4 42 $60,488 $22,441 $38,047 $12,487,245
4 43 $60,488 $22,373 $38,115 $12,449,130
4 44 $60,488 $22,305 $38,183 $12,410,947
4 45 $60,488 $22,236 $38,252 $12,372,695
4 46 $60,488 $22,168 $38,320 $12,334,375
4 47 $60,488 $22,099 $38,389 $12,295,986
4 48 $60,488 $22,030 $38,458 $12,257,528
5 49 $60,488 $21,961 $38,527 $12,219,002
5 50 $60,488 $21,892 $38,596 $12,180,406
5 51 $60,488 $21,823 $38,665 $12,141,741
5 52 $60,488 $21,754 $38,734 $12,103,007
5 53 $60,488 $21,685 $38,803 $12,064,204
5 54 $60,488 $21,615 $38,873 $12,025,331
5 55 $60,488 $21,545 $38,943 $11,986,388
5 56 $60,488 $21,476 $39,012 $11,947,376
5 57 $60,488 $21,406 $39,082 $11,908,293
5 58 $60,488 $21,336 $39,152 $11,869,141
5 59 $60,488 $21,266 $39,222 $11,829,919
5 60 $60,488 $21,195 $39,293 $11,790,626
6 61 $60,488 $21,125 $39,363 $11,751,263
6 62 $60,488 $21,054 $39,434 $11,711,829
6 63 $60,488 $20,984 $39,504 $11,672,325
6 64 $60,488 $20,913 $39,575 $11,632,750
6 65 $60,488 $20,842 $39,646 $11,593,104
6 66 $60,488 $20,771 $39,717 $11,553,387
6 67 $60,488 $20,700 $39,788 $11,513,598
6 68 $60,488 $20,629 $39,859 $11,473,739
6 69 $60,488 $20,557 $39,931 $11,433,808
6 70 $60,488 $20,486 $40,002 $11,393,806
6 71 $60,488 $20,414 $40,074 $11,353,731
6 72 $60,488 $20,342 $40,146 $11,313,585
7 73 $60,488 $20,270 $40,218 $11,273,368
7 74 $60,488 $20,198 $40,290 $11,233,078
7 75 $60,488 $20,126 $40,362 $11,192,716
7 76 $60,488 $20,054 $40,434 $11,152,281
7 77 $60,488 $19,981 $40,507 $11,111,774
7 78 $60,488 $19,909 $40,579 $11,071,195
7 79 $60,488 $19,836 $40,652 $11,030,543
7 80 $60,488 $19,763 $40,725 $10,989,818
7 81 $60,488 $19,690 $40,798 $10,949,020
7 82 $60,488 $19,617 $40,871 $10,908,149
7 83 $60,488 $19,544 $40,944 $10,867,205
7 84 $60,488 $19,470 $41,018 $10,826,187
8 85 $60,488 $19,397 $41,091 $10,785,096
8 86 $60,488 $19,323 $41,165 $10,743,931
8 87 $60,488 $19,250 $41,238 $10,702,693
8 88 $60,488 $19,176 $41,312 $10,661,380
8 89 $60,488 $19,102 $41,386 $10,619,994
8 90 $60,488 $19,027 $41,461 $10,578,533
8 91 $60,488 $18,953 $41,535 $10,536,999
8 92 $60,488 $18,879 $41,609 $10,495,389
8 93 $60,488 $18,804 $41,684 $10,453,706
8 94 $60,488 $18,730 $41,758 $10,411,947
8 95 $60,488 $18,655 $41,833 $10,370,114
8 96 $60,488 $18,580 $41,908 $10,328,206
9 97 $60,488 $18,505 $41,983 $10,286,222
9 98 $60,488 $18,429 $42,059 $10,244,164
9 99 $60,488 $18,354 $42,134 $10,202,030
9 100 $60,488 $18,279 $42,209 $10,159,820
9 101 $60,488 $18,203 $42,285 $10,117,535
9 102 $60,488 $18,127 $42,361 $10,075,175
9 103 $60,488 $18,051 $42,437 $10,032,738
9 104 $60,488 $17,975 $42,513 $9,990,225
9 105 $60,488 $17,899 $42,589 $9,947,636
9 106 $60,488 $17,823 $42,665 $9,904,971
9 107 $60,488 $17,746 $42,742 $9,862,230
9 108 $60,488 $17,670 $42,818 $9,819,411
10 109 $60,488 $17,593 $42,895 $9,776,517
10 110 $60,488 $17,516 $42,972 $9,733,545
10 111 $60,488 $17,439 $43,049 $9,690,496
10 112 $60,488 $17,362 $43,126 $9,647,370
10 113 $60,488 $17,285 $43,203 $9,604,167
10 114 $60,488 $17,207 $43,281 $9,560,886
10 115 $60,488 $17,130 $43,358 $9,517,528
10 116 $60,488 $17,052 $43,436 $9,474,093
10 117 $60,488 $16,974 $43,514 $9,430,579
10 118 $60,488 $16,896 $43,592 $9,386,987
10 119 $60,488 $16,818 $43,670 $9,343,318
10 120 $60,488 $16,740 $43,748 $9,299,570
11 121 $60,488 $16,662 $43,826 $9,255,744
11 122 $60,488 $16,583 $43,905 $9,211,839
11 123 $60,488 $16,505 $43,983 $9,167,855
11 124 $60,488 $16,426 $44,062 $9,123,793
11 125 $60,488 $16,347 $44,141 $9,079,652
11 126 $60,488 $16,268 $44,220 $9,035,431
11 127 $60,488 $16,188 $44,300 $8,991,132
11 128 $60,488 $16,109 $44,379 $8,946,753
11 129 $60,488 $16,030 $44,458 $8,902,295
11 130 $60,488 $15,950 $44,538 $8,857,756
11 131 $60,488 $15,870 $44,618 $8,813,139
11 132 $60,488 $15,790 $44,698 $8,768,441
12 133 $60,488 $15,710 $44,778 $8,723,663
12 134 $60,488 $15,630 $44,858 $8,678,805
12 135 $60,488 $15,550 $44,938 $8,633,866
12 136 $60,488 $15,469 $45,019 $8,588,847
12 137 $60,488 $15,388 $45,100 $8,543,748
12 138 $60,488 $15,308 $45,180 $8,498,567
12 139 $60,488 $15,227 $45,261 $8,453,306
12 140 $60,488 $15,146 $45,343 $8,407,963
12 141 $60,488 $15,064 $45,424 $8,362,539
12 142 $60,488 $14,983 $45,505 $8,317,034
12 143 $60,488 $14,901 $45,587 $8,271,448
12 144 $60,488 $14,820 $45,668 $8,225,779
13 145 $60,488 $14,738 $45,750 $8,180,029
13 146 $60,488 $14,656 $45,832 $8,134,197
13 147 $60,488 $14,574 $45,914 $8,088,283
13 148 $60,488 $14,492 $45,997 $8,042,286
13 149 $60,488 $14,409 $46,079 $7,996,207
13 150 $60,488 $14,327 $46,161 $7,950,046
13 151 $60,488 $14,244 $46,244 $7,903,802
13 152 $60,488 $14,161 $46,327 $7,857,475
13 153 $60,488 $14,078 $46,410 $7,811,065
13 154 $60,488 $13,995 $46,493 $7,764,571
13 155 $60,488 $13,912 $46,576 $7,717,995
13 156 $60,488 $13,828 $46,660 $7,671,335
14 157 $60,488 $13,744 $46,744 $7,624,591
14 158 $60,488 $13,661 $46,827 $7,577,764
14 159 $60,488 $13,577 $46,911 $7,530,853
14 160 $60,488 $13,493 $46,995 $7,483,858
14 161 $60,488 $13,409 $47,079 $7,436,778
14 162 $60,488 $13,324 $47,164 $7,389,614
14 163 $60,488 $13,240 $47,248 $7,342,366
14 164 $60,488 $13,155 $47,333 $7,295,033
14 165 $60,488 $13,070 $47,418 $7,247,615
14 166 $60,488 $12,985 $47,503 $7,200,113
14 167 $60,488 $12,900 $47,588 $7,152,525
14 168 $60,488 $12,815 $47,673 $7,104,852
15 169 $60,488 $12,730 $47,758 $7,057,093
15 170 $60,488 $12,644 $47,844 $7,009,249
15 171 $60,488 $12,558 $47,930 $6,961,319
15 172 $60,488 $12,472 $48,016 $6,913,304
15 173 $60,488 $12,386 $48,102 $6,865,202
15 174 $60,488 $12,300 $48,188 $6,817,014
15 175 $60,488 $12,214 $48,274 $6,768,740
15 176 $60,488 $12,127 $48,361 $6,720,379
15 177 $60,488 $12,041 $48,447 $6,671,932
15 178 $60,488 $11,954 $48,534 $6,623,398
15 179 $60,488 $11,867 $48,621 $6,574,777
15 180 $60,488 $11,780 $48,708 $6,526,069
16 181 $60,488 $11,693 $48,795 $6,477,273
16 182 $60,488 $11,605 $48,883 $6,428,390
16 183 $60,488 $11,518 $48,970 $6,379,420
16 184 $60,488 $11,430 $49,058 $6,330,361
16 185 $60,488 $11,342 $49,146 $6,281,215
16 186 $60,488 $11,254 $49,234 $6,231,981
16 187 $60,488 $11,166 $49,322 $6,182,659
16 188 $60,488 $11,077 $49,411 $6,133,248
16 189 $60,488 $10,989 $49,499 $6,083,749
16 190 $60,488 $10,900 $49,588 $6,034,161
16 191 $60,488 $10,811 $49,677 $5,984,484
16 192 $60,488 $10,722 $49,766 $5,934,718
17 193 $60,488 $10,633 $49,855 $5,884,863
17 194 $60,488 $10,544 $49,944 $5,834,919
17 195 $60,488 $10,454 $50,034 $5,784,885
17 196 $60,488 $10,365 $50,123 $5,734,762
17 197 $60,488 $10,275 $50,213 $5,684,548
17 198 $60,488 $10,185 $50,303 $5,634,245
17 199 $60,488 $10,095 $50,393 $5,583,852
17 200 $60,488 $10,004 $50,484 $5,533,368
17 201 $60,488 $9,914 $50,574 $5,482,794
17 202 $60,488 $9,823 $50,665 $5,432,129
17 203 $60,488 $9,733 $50,755 $5,381,374
17 204 $60,488 $9,642 $50,846 $5,330,528
18 205 $60,488 $9,551 $50,937 $5,279,590
18 206 $60,488 $9,459 $51,029 $5,228,561
18 207 $60,488 $9,368 $51,120 $5,177,441
18 208 $60,488 $9,276 $51,212 $5,126,229
18 209 $60,488 $9,184 $51,304 $5,074,926
18 210 $60,488 $9,093 $51,395 $5,023,530
18 211 $60,488 $9,000 $51,488 $4,972,043
18 212 $60,488 $8,908 $51,580 $4,920,463
18 213 $60,488 $8,816 $51,672 $4,868,791
18 214 $60,488 $8,723 $51,765 $4,817,026
18 215 $60,488 $8,631 $51,858 $4,765,169
18 216 $60,488 $8,538 $51,950 $4,713,218
19 217 $60,488 $8,445 $52,044 $4,661,175
19 218 $60,488 $8,351 $52,137 $4,609,038
19 219 $60,488 $8,258 $52,230 $4,556,808
19 220 $60,488 $8,164 $52,324 $4,504,484
19 221 $60,488 $8,071 $52,417 $4,452,066
19 222 $60,488 $7,977 $52,511 $4,399,555
19 223 $60,488 $7,883 $52,605 $4,346,950
19 224 $60,488 $7,788 $52,700 $4,294,250
19 225 $60,488 $7,694 $52,794 $4,241,456
19 226 $60,488 $7,599 $52,889 $4,188,567
19 227 $60,488 $7,505 $52,984 $4,135,583
19 228 $60,488 $7,410 $53,078 $4,082,505
20 229 $60,488 $7,314 $53,174 $4,029,331
20 230 $60,488 $7,219 $53,269 $3,976,063
20 231 $60,488 $7,124 $53,364 $3,922,698
20 232 $60,488 $7,028 $53,460 $3,869,239
20 233 $60,488 $6,932 $53,556 $3,815,683
20 234 $60,488 $6,836 $53,652 $3,762,031
20 235 $60,488 $6,740 $53,748 $3,708,284
20 236 $60,488 $6,644 $53,844 $3,654,440
20 237 $60,488 $6,548 $53,940 $3,600,499
20 238 $60,488 $6,451 $54,037 $3,546,462
20 239 $60,488 $6,354 $54,134 $3,492,328
20 240 $60,488 $6,257 $54,231 $3,438,097
21 241 $60,488 $6,160 $54,328 $3,383,769
21 242 $60,488 $6,063 $54,425 $3,329,344
21 243 $60,488 $5,965 $54,523 $3,274,821
21 244 $60,488 $5,867 $54,621 $3,220,200
21 245 $60,488 $5,770 $54,718 $3,165,482
21 246 $60,488 $5,671 $54,817 $3,110,665
21 247 $60,488 $5,573 $54,915 $3,055,750
21 248 $60,488 $5,475 $55,013 $3,000,737
21 249 $60,488 $5,376 $55,112 $2,945,625
21 250 $60,488 $5,278 $55,210 $2,890,415
21 251 $60,488 $5,179 $55,309 $2,835,106
21 252 $60,488 $5,080 $55,408 $2,779,697
22 253 $60,488 $4,980 $55,508 $2,724,189
22 254 $60,488 $4,881 $55,607 $2,668,582
22 255 $60,488 $4,781 $55,707 $2,612,875
22 256 $60,488 $4,681 $55,807 $2,557,069
22 257 $60,488 $4,581 $55,907 $2,501,162
22 258 $60,488 $4,481 $56,007 $2,445,155
22 259 $60,488 $4,381 $56,107 $2,389,048
22 260 $60,488 $4,280 $56,208 $2,332,841
22 261 $60,488 $4,180 $56,308 $2,276,532
22 262 $60,488 $4,079 $56,409 $2,220,123
22 263 $60,488 $3,978 $56,510 $2,163,613
22 264 $60,488 $3,876 $56,612 $2,107,001
23 265 $60,488 $3,775 $56,713 $2,050,288
23 266 $60,488 $3,673 $56,815 $1,993,474
23 267 $60,488 $3,572 $56,916 $1,936,557
23 268 $60,488 $3,470 $57,018 $1,879,539
23 269 $60,488 $3,368 $57,121 $1,822,418
23 270 $60,488 $3,265 $57,223 $1,765,196
23 271 $60,488 $3,163 $57,325 $1,707,870
23 272 $60,488 $3,060 $57,428 $1,650,442
23 273 $60,488 $2,957 $57,531 $1,592,911
23 274 $60,488 $2,854 $57,634 $1,535,277
23 275 $60,488 $2,751 $57,737 $1,477,540
23 276 $60,488 $2,647 $57,841 $1,419,699
24 277 $60,488 $2,544 $57,944 $1,361,755
24 278 $60,488 $2,440 $58,048 $1,303,706
24 279 $60,488 $2,336 $58,152 $1,245,554
24 280 $60,488 $2,232 $58,256 $1,187,298
24 281 $60,488 $2,127 $58,361 $1,128,937
24 282 $60,488 $2,023 $58,465 $1,070,472
24 283 $60,488 $1,918 $58,570 $1,011,902
24 284 $60,488 $1,813 $58,675 $953,227
24 285 $60,488 $1,708 $58,780 $894,446
24 286 $60,488 $1,603 $58,885 $835,561
24 287 $60,488 $1,497 $58,991 $776,570
24 288 $60,488 $1,391 $59,097 $717,473
25 289 $60,488 $1,285 $59,203 $658,271
25 290 $60,488 $1,179 $59,309 $598,962
25 291 $60,488 $1,073 $59,415 $539,547
25 292 $60,488 $967 $59,521 $480,026
25 293 $60,488 $860 $59,628 $420,398
25 294 $60,488 $753 $59,735 $360,663
25 295 $60,488 $646 $59,842 $300,821
25 296 $60,488 $539 $59,949 $240,872
25 297 $60,488 $432 $60,056 $180,816
25 298 $60,488 $324 $60,164 $120,652
25 299 $60,488 $216 $60,272 $60,380
25 300 $60,488 $108 $60,380 $0