Mortgage Calculator

Use our mortgage calculator to find out how much you can borrow and the repayments actually cost you monthly, based on your loan amount, LTV (Loan-to-value ration), and interest rate.

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Property Valuation Calculator

Check valuation of any residential property in Hong Kong

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The above information is for reference only. No guarantee or representation as to its accuracy, completeness and/or applicability. For all individual cases, please refer to the regarding terms and conditions and are subject to the final approval from relevant financial institutions.
All terms and conditions are subject to HKMA, HKMC, Inland Revenue Department.
The items listed above DO NOT include any additional fees of property transaction, e.g. the legal charges for preparing the Sales and Purchase Agreement, Deed of Title Transfer and Mortgage Deed, etc.

Other Fees Of Buying A Property

Stamp Duty

Residential Property Stamp Duty - Applicable to first-time buyer

Property Value	Stamp Duty Rate（percentage of property value）
HK$0-HK$2,000,000	HK$100
HK$2,000,000-HK$2,351,760	HK$100＋10% of excess over HK$2,000,000
HK$2,351,760-HK$3,000,000	1.5%
HK$3,000,000-HK$3,290,320	HK$45,000＋10% of excess over HK$3,000,000
HK$3,290,320-HK$4,000,000	2.25%
HK$4,000,000-HK$4,428,570	HK$90,000＋10% of excess over HK$4,000,000
HK$4,428,570-HK$6,000,000	3%
HK$6,000,000-HK$6,720,000	HK$180,000＋10% of excess over HK$6,000,000
HK$6,720,000-HK$20,000,000	3.75%
HK$20,000,000-HK$21,739,120	HK$750,000＋10% of excess over HK$20,000,000
HK$21,739,120 or above	4.25%

Residential Property Stamp Duty - Applicable to non-first-time buyer
Non-first-time-buyers are liable to pay stamp duty at a flat rate of 15%.

Non-Residential Property Stamp Duty (Double Stamp Duty)

Property Value	Stamp Duty Rate（percentage of property value）
HK$0-HK$2,000,000HK$0-HK$2,000,000	1.5%
HK$2,000,000-HK$2,351,760	HK$30,000＋ 20% of excess over HK$2,000,000
HK$2,351,760-HK$3,000,000	3%
HK$3,000,000-HK$3,290,320	HK$90,000＋20% of excess over HK$3,000,000
HK$3,290,320-HK$4,000,000	4.5%
HK$4,000,000-HK$4,428,570	HK$180,000＋20% of excess over HK$4,000,000
HK$4,428,570-HK$6,000,000	6%
HK$6,000,000-HK$6,720,000	HK$360,000＋20% of excess over HK$6,000,000
HK$6,720,000-HK$20,000,000	7.5%
HK$20,000,000-HK$21,739,120	HK$1,5000,000＋20% of excess over HK$20,000,000
HK$21,739,120 or above	8.5%

Legal Fee

The legal fee for property purchase mainly includes 3 items: Sale and Purchase agreement, the assignment and the mortgage. Legal cost can be up to thousands of dollars, and varies from case to case, influenced by factors like property price, property age, loan amount etc.

Estate Agent Fee

If the property is sold through an agent, both the seller and buyer will have to pay for agent commission. The usual rate of commission for agents is about 1% of the sales price, it is subject to negotiation between you and your appointed estate agent.

MoneySmart Mortgage

Mortgage Calculator

Interest Rate

Other Fees Of Buying A Property

Stamp Duty

Legal Fee

Estate Agent Fee

Frequently Asked Questions

What is the difference between the Prime-Rate and the HIBOR-Rate when using the calculator?

Does your mortgage plan require Mortgage Insurance Programme (“MIP”)?

How to calculate mortgage stress-testing?

Does your mortgage have cash rebate excess of 1% of the loan amount?