2026 Hong Kong IRD Ad Valorem Stamp Duty (AVD), HKMA LTV & Mortgage Calculator
Ad valorem stamp duty under Part 1 of Scale 1 / Scale 2 (residential) as amended by the Stamp Duty (Amendment) Ordinance 2026, effective 26 February 2026.
Your 2026 Acquisition Maths
HK$60,000,000 (US$7,712,082) · The Peak (Victoria Peak)
HKMA Standard (up to 70% LTV) · HIBOR-linked 3.875% · 25 years
HK$2,550,000
2026 AVD Stamp Duty (US$327,763) · 4.25% effective
HK$218,803
Est. Monthly Mortgage (US$28,124)
HK$21,210,000
Total Upfront Cash (US$2,726,221)
HK$42,000,000
Loan Amount (US$5,398,458)
Statutory bracket: HK$21,739,121–HK$100,000,000: 4.25%
Note: from 26 Feb 2026, purchases above HK$100M pay the new 6.50% super-luxury tier (marginal relief to HK$109,574,470).
Estimates for planning only; confirm stamp duty with the IRD, lending terms with your bank and transactions with an EAA-licensed estate agent and a Hong Kong solicitor. 1 USD = 7.78 HKD.
Full Cost Breakdown (HK$ & USD)
| Item | HK$ | USD |
|---|---|---|
| Purchase Price | HK$60,000,000 | US$7,712,082 |
| 2026 IRD AVD Stamp Duty | HK$2,550,000 | US$327,763 |
| Down Payment (30%) | HK$18,000,000 | US$2,313,625 |
| Loan Amount (70% LTV) | HK$42,000,000 | US$5,398,458 |
| Est. Monthly Mortgage Payment | HK$218,803 | US$28,124 |
| Buyer Agency Commission (1.0%) | HK$600,000 | US$77,121 |
| Legal / Conveyancing (est.) | HK$60,000 | US$7,712 |
| Total Upfront Cash at Completion | HK$21,210,000 | US$2,726,221 |
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