Do first-time and repeat buyers use different residential AVD bands now?
Current residential instruments use the IRD's published Part 1 of Scale 1 and Scale 2 bands; the IRD decides the treatment of each transaction.
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
Calculation Results
Property Price:
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Down Payment Amount:
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Mortgage Amount:
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Stamp Duty:
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Other Costs Entered by You:
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Total Funds Required:
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Please enter property details to calculate down payment
Down Payment Information
Loan-to-Value Ratio
The current general prudential LTV cap is 70%; higher-LTV lending requires separate mortgage-insurance eligibility and loan caps.
Stamp Duty
This tool applies the residential AVD bands effective 26 February 2026; the IRD decides the treatment of each transaction.
Legal Fees
Legal fees and disbursements vary with the transaction and scope; obtain a written estimate from the law firm.
Agent Commission
No standard commission amount or rate is prescribed; negotiate it individually and record it in the estate-agency agreement.
The above calculation results are for reference only. Please consult banks and professional advisors for actual amounts.
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After estimating your deposit, check the monthly budget
The cash needed to complete a purchase and the ability to afford repayments are separate questions. Start with the loan-to-value ratio in the bank’s written assessment, add quoted transaction costs, then compare repayments with your income and existing debts.
- Mortgage calculator: repayment and interest
- Affordability calculator: repayment and income
- Property stamp duty calculator
This section updated:
What the calculation includes
The page applies the IRD residential AVD bands to the exact price entered and rounds fractional duty up to a whole dollar. Official assessment uses the higher of consideration and property value. Select an LTV for budgeting and enter other costs from written quotes.
Example: HK$8 million home at 70% LTV
The down payment is HK$2,400,000. At the current 3% AVD band, duty is HK$240,000, giving HK$2,640,000 before any other costs entered by you. This example does not mean a bank will approve 70% LTV.
| Item | Confirm with |
|---|---|
| LTV and insurance premium | Written bank and mortgage-insurance quotes |
| Stamp duty | IRD assessment and official calculator |
| Legal fees and disbursements | A law firm's written estimate |
| Agency commission | Your individually negotiated estate-agency agreement |
Test repayments in the affordability calculator and review the stamp-duty calculator. To compare written bank options, request mortgage referral information.
Frequently asked questions
Is estate-agent commission fixed at 1%?
No. The Estate Agents Authority says no standard amount or rate is prescribed; it is negotiated between client and agency.
Does selecting 90% guarantee a 90% mortgage?
No. Higher-LTV lending is subject to MIP, loan, income and property criteria.
Why do I enter other costs myself?
Legal fees, negotiated commission, insurance premiums and disbursements vary. Written quotes are more reliable than a hard-coded percentage.
Official and professional sources
- IRD: current residential AVD rates
- IRD: property-transfer stamp-duty calculator
- GovHK: stamp-duty rates and rounding
- HKMA: property mortgage LTV and DSR measures
- EAA: no standard commission rate
Disclaimer：Budgeting reference only; not a tax assessment, credit approval, fee quote or legal advice.