HK$3,500,000 Stamp Duty & Mortgage Calculator in Hong Kong Island (Central & Admiralty) (2026)
Purchasing a HK$3,500,000 property in Hong Kong Island (Central & Admiralty), Hong Kong incurs HK$131,250 in Hong Kong Ad Valorem Stamp Duty (AVD) (3.75%) plus HK$15,000 in legal/registration fees. With a 20% deposit (HK$700,000) and a 25-year home loan at 4.12%, your monthly repayment is HK$14,966/month.
Monthly Repayment (25Y)
HK$14,966/mo
Loan: HK$2,800,000 @ 4.12%
Stamp Duty / BSD / DLD
HK$131,250
3.75% Effective Duty
20% Deposit
HK$700,000
+ Legal: HK$15,000
Total Upfront Cash
HK$846,250
Deposit + Stamp Duty + Legal
Itemized Stamp Duty & Mortgage Breakdown (Hong Kong Island (Central & Admiralty))
| Property Purchase Price | HK$3,500,000 |
| Hong Kong Ad Valorem Stamp Duty (AVD) | HK$131,250 |
| Conveyancing, Legal & Title Registration | HK$15,000 |
| Total Upfront Cash Required (20% Deposit + Duty) | HK$846,250 |
| Monthly Principal & Interest (25Y @ 4.12%) | HK$14,966 / month |
| Total Interest Payable Over Loan Term | HK$1,689,676 |
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