Hong Kong Property Down Payment Calculator

Calculate your required down payment, stamp duty, and other fees based on property price and loan-to-value ratio

Down Payment Calculator

Property Price (HKD)

Loan-to-Value (LTV) Ratio

Buyer Type

Include Additional Fees

Please enter property details to calculate down payment

First-time buyers purchasing properties under HK$10 million can borrow up to 90% mortgage. Non-first-time buyers can borrow up to 70%.

First-time buyers enjoy lower stamp duty rates. Non-first-time buyers and non-permanent residents are subject to higher stamp duty rates.

Legal fees typically range from HK$10,000 to HK$30,000, depending on property price and transaction complexity.

Agent commission is typically 1% of the property price, split equally between buyer and seller.

The above calculation results are for reference only. Please consult banks and professional advisors for actual amounts.