Either choosing the Prime-Rate or HIBOR-Rate, you only need to enter the annual interest rate and the repayment terms for getting the total monthly mortgage repayment amount. You just have to enter the property amount, desired LTV ratio, and mortgage term, then you will immediately know the monthly repayment, the minimum down payment and salary requirement for better planning.
按揭計算機
立即使用按揭計算機，輸入樓價、供款年期及成數等簡單資料，快速計算每月按揭供款開支及利息金額！不論上車或轉按，申請P按或H按劃，預算按揭更靈活！
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立即按此看來你還未用過我們的按揭計算機，請填寫有關你和物業的資料。
- 計算結果只供參考。本公司並不會為資料的準確性、完整性、或針對某特定用途的適用性作出任何保證或及陳述。個別或特定情況下的實際按揭還款，請參閱相關之條款細則，並以有關金融機構的最終批核為準。
- 一切按揭相關資料以金管局、按證公司及稅務局等機構之最新公布為準。
- 本計算機並未計算置業其他開支，包括處理買賣合約、轉名契、按揭契文件收費、律師費或其他稅項。
其他買樓費用開支
印花稅（釐印費）
住宅物業從價印花稅（AVD) - 首置買家適用
| 樓宇價值 | 印花稅稅率（樓價之百分比） |
|---|---|
| HK$0-HK$2,000,000 | HK$100 |
| HK$2,000,000-HK$2,351,760 | HK$100＋超出HK$2,000,000的款項的10% |
| HK$2,351,760-HK$3,000,000 | 1.5% |
| HK$3,000,000-HK$3,290,320 | HK$45,000＋超出HK$3,000,000的款項的10% |
| HK$3,290,320-HK$4,000,000 | 2.25% |
| HK$4,000,000-HK$4,428,570 | HK$90,000＋超出HK$4,000,000的款項的10% |
| HK$4,428,570-HK$6,000,000 | 3% |
| HK$6,000,000-HK$6,720,000 | HK$180,000＋超出HK$6,000,000的款項的10% |
| HK$6,720,000-HK$20,000,000 | 3.75% |
| HK$20,000,000-HK$21,739,120 | HK$750,000＋超出HK$20,000,000的款項的10% |
| HK$21,739,120以上 | 4.25% |
住宅物業從價印花稅（AVD) - 非首置買家適用
非首次置業或樓換樓人士須按非首置印花稅／新稅率交稅，即統一繳稅15%。
非住宅從價印花稅（AVD)
| 樓宇價值 | 印花稅稅率（樓價之百分比） |
|---|---|
| HK$0-HK$2,000,000 | 1.5% |
| HK$2,000,000-HK$2,351,760 | HK$30,000＋超出HK$2,000,000的款項的20% |
| HK$2,351,760-HK$3,000,000 | 3% |
| HK$3,000,000-HK$3,290,320 | HK$90,000＋超出HK$3,000,000的款項的20% |
| HK$3,290,320-HK$4,000,000 | 4.5% |
| HK$4,000,000-HK$4,428,570 | HK$180,000＋超出HK$4,000,000的款項的20% |
| HK$4,428,570-HK$6,000,000 | 6% |
| HK$6,000,000-HK$6,720,000 | HK$360,000＋超出HK$6,000,000的款項的20% |
| HK$6,720,000-HK$20,000,000 | 7.5% |
| HK$20,000,000-HK$21,739,120 | HK$1,5000,000＋超出HK$20,000,000的款項的20% |
| HK$21,739,120以上 | 8.5% |
律師費
樓宇賣買律師費一般涉及3個項目，包括買賣合約、樓契及按揭契，律師費大多為數千元或以上，總金額會因物業成交價、樓齡、貸款額等因素而異。
地產代理佣金
若物業賣家委託地產代理放盤，賣買家均須向地產經紀繳付佣金。一般而言，佣金為物業成交價1%，賣買家雙方可自行與經紀商議。
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?
