HK$3,900,000 Stamp Duty & Mortgage Calculator in Wan Chai & Causeway Bay (2026)
Purchasing a HK$3,900,000 property in Wan Chai & Causeway Bay, Hong Kong incurs HK$146,250 in Hong Kong Ad Valorem Stamp Duty (AVD) (3.75%) plus HK$15,000 in legal/registration fees. With a 20% deposit (HK$780,000) and a 25-year home loan at 4.12%, your monthly repayment is HK$16,676/month.
Monthly Repayment (25Y)
HK$16,676/mo
Loan: HK$3,120,000 @ 4.12%
Stamp Duty / BSD / DLD
HK$146,250
3.75% Effective Duty
20% Deposit
HK$780,000
+ Legal: HK$15,000
Total Upfront Cash
HK$941,250
Deposit + Stamp Duty + Legal
Itemized Stamp Duty & Mortgage Breakdown (Wan Chai & Causeway Bay)
| Property Purchase Price | HK$3,900,000 |
| Hong Kong Ad Valorem Stamp Duty (AVD) | HK$146,250 |
| Conveyancing, Legal & Title Registration | HK$15,000 |
| Total Upfront Cash Required (20% Deposit + Duty) | HK$941,250 |
| Monthly Principal & Interest (25Y @ 4.12%) | HK$16,676 / month |
| Total Interest Payable Over Loan Term | HK$1,882,781 |
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