HK$650,000 Stamp Duty & Mortgage Calculator in Hong Kong Island (Central & Admiralty) (2026)
Purchasing a HK$650,000 property in Hong Kong Island (Central & Admiralty), Hong Kong incurs HK$24,375 in Hong Kong Ad Valorem Stamp Duty (AVD) (3.75%) plus HK$15,000 in legal/registration fees. With a 20% deposit (HK$130,000) and a 25-year home loan at 4.12%, your monthly repayment is HK$2,779/month.
Monthly Repayment (25Y)
HK$2,779/mo
Loan: HK$520,000 @ 4.12%
Stamp Duty / BSD / DLD
HK$24,375
3.75% Effective Duty
20% Deposit
HK$130,000
+ Legal: HK$15,000
Total Upfront Cash
HK$169,375
Deposit + Stamp Duty + Legal
Itemized Stamp Duty & Mortgage Breakdown (Hong Kong Island (Central & Admiralty))
| Property Purchase Price | HK$650,000 |
| Hong Kong Ad Valorem Stamp Duty (AVD) | HK$24,375 |
| Conveyancing, Legal & Title Registration | HK$15,000 |
| Total Upfront Cash Required (20% Deposit + Duty) | HK$169,375 |
| Monthly Principal & Interest (25Y @ 4.12%) | HK$2,779 / month |
| Total Interest Payable Over Loan Term | HK$313,797 |
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