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Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
Stamp Duty Rates
「Property Price」and「Ad valorem stamp duty (AVD)」Table (Buyer)
| HK Permanent Resident & first-time buyer/Transfer of property | HK Permanent Resident & Non-first time buyer/Company | |||
| Property price | AVD (Scale 2) | Rates | AVD (Scale 1) | Rates |
| 2,000,000 | 100 | 0.005% | 300,000 | 15% |
| 3,000,000 | 100 | 0.003% | 450,000 | 15% |
| 4,000,000 | 60,000 | 1.5% | 600,000 | 15% |
| 4,500,000 | 67,500 | 1.5% | 675,000 | 15% |
| 5,000,000 | 112,500 | 2.25% | 750,000 | 15% |
| 5,500,000 | 123,750 | 2.25% | 825,000 | 15% |
| 6,000,000 | 135,000 | 2.25% | 900,000 | 15% |
| 6,500,000 | 185,000 | 2.85% | 975,000 | 15% |
| 7,000,000 | 210,000 | 3% | 1,050,000 | 15% |
| 7,500,000 | 225,000 | 3% | 1,125,000 | 15% |
| 8,000,000 | 240,000 | 3% | 1,200,000 | 15% |
| 8,500,000 | 255,000 | 3% | 1,275,000 | 15% |
| 9,000,000 | 270,000 | 3% | 1,350,000 | 15% |
| 9,500,000 | 320,000 | 3.37% | 1,425,000 | 15% |
| 10,000,000 | 370,000 | 3.7% | 1,500,000 | 15% |
| 12,000,000 | 450,000 | 3.75% | 1,800,000 | 15% |
| 15,000,000 | 562,500 | 3.75% | 2,250,000 | 15% |
| 20,000,000 | 750,000 | 3.75% | 3,000,000 | 15% |
| 30,000,000 | 1,275,000 | 4.25% | 4,500,000 | 15% |
The above information is for reference only. Subject to the latest announcement of Inland Revenue Department. As of 22/2/2023
「Property Price」and「AVD+BSD」Table (Buyer)
| Non-Hong Kong Permanent Resident / Company | ||
| Property Price | AVD + BSD | Rates |
| 2,000,000 | 600,000 | 30% |
| 3,000,000 | 900,000 | 30% |
| 4,000,000 | 1,200,000 | 30% |
| 4,500,000 | 1,350,000 | 30% |
| 5,000,000 | 1,500,000 | 30% |
| 5,500,000 | 1,650,000 | 30% |
| 6,000,000 | 1,800,000 | 30% |
| 6,500,000 | 1,950,000 | 30% |
| 7,000,000 | 2,100,000 | 30% |
| 7,500,000 | 2,250,000 | 30% |
| 8,000,000 | 2,400,000 | 30% |
| 8,500,000 | 2,550,000 | 30% |
| 9,000,000 | 2,700,000 | 30% |
| 9,500,000 | 2,850,000 | 30% |
| 10,000,000 | 3,000,000 | 30% |
| 12,000,000 | 3,600,000 | 30% |
| 15,000,000 | 4,500,000 | 30% |
| 20,000,000 | 6,000,000 | 30% |
| 30,000,000 | 9,000,000 | 30% |
The above information is for reference only. Subject to the latest announcement of Inland Revenue Department.
「Property Price」and「Special Stamp Duty (SSD)」Table (Seller)
| 12 months to 36 months | > 36 months | |||
| Property Price | SSD | Rates | SSD | Rates |
| 2,000,000 | 200,000 | 10% | 0 | 0% |
| 3,000,000 | 300,000 | 10% | 0 | 0% |
| 4,000,000 | 400,000 | 10% | 0 | 0% |
| 4,500,000 | 450,000 | 10% | 0 | 0% |
| 5,000,000 | 500,000 | 10% | 0 | 0% |
| 5,500,000 | 550,000 | 10% | 0 | 0% |
| 6,000,000 | 600,000 | 10% | 0 | 0% |
| 6,500,000 | 650,000 | 10% | 0 | 0% |
| 7,000,000 | 700,000 | 10% | 0 | 0% |
| 7,500,000 | 750,000 | 10% | 0 | 0% |
| 8,000,000 | 800,000 | 10% | 0 | 0% |
| 8,500,000 | 850,000 | 10% | 0 | 0% |
| 9,000,000 | 900,000 | 10% | 0 | 0% |
| 9,500,000 | 950,000 | 10% | 0 | 0% |
| 10,000,000 | 1,000,000 | 10% | 0 | 0% |
| 12,000,000 | 1,200,000 | 10% | 0 | 0% |
| 15,000,000 | 1,500,000 | 10% | 0 | 0% |
| 20,000,000 | 2,000,000 | 10% | 0 | 0% |
| 30,000,000 | 3,000,000 | 10% | 0 | 0% |
The above information is for reference only. Subject to the latest announcement of Inland Revenue Department.
New Ad valorem stamp duty (AVD) - Part 1 of Scale 1 (Applicable to residential property)
| Type | Rates |
| Residential Property | 15% |
A flat rate of 15% of the consideration or value of the property (whichever is the higher). Unless specifically exempted or otherwise provided, the rate of AVD under Part 1 of Scale 1 is applicable to instruments of residential property.
The above information is for reference only. Subject to the latest announcement of Inland Revenue Department.
Ad Valorem Stamp Duty (AVD) (Scale 2) (Applicable to residential property and non-residential property)
| Amount or value of the consideration (whichever is the higher) | Rates at Scale 2 | |
| Exceeds | Does not exceeds | |
| – | $3,000,000 | $100 |
| $3,000,000 | $3,528,240 | $100 + 10% of excess over $3,000,000 |
| $3,528,240 | $4,500,000 | 1.50% |
| $4,500,000 | $4,935,480 | $67,500 + 10% of excess over $4,500,000 |
| $4,935,480 | $6,000,000 | 2.25% |
| $6,000,000 | $6,642,860 | $135,000 + 10% of excess over $6,000,000 |
| $6,642,860 | $9,000,000 | 3.00% |
| $9,000,000 | $10,800,000 | $270,000 + 10% of excess over $9,000,000 |
| $10,800,000 | $20,000,000 | 3.75% |
| $20,000,000 | $21,739,120 | $750,000 + 10% of excess over $20,000,000 |
| $21,739,120 | – | 4.25% |
The above information is for reference only. Subject to the latest announcement of Inland Revenue Department. (As of 22/2/2023)
Special Stamp Duty (SSD)
| Holding Period | Rates |
| <=6 months | 20% |
| >6 months<=12 months | 15% |
| >12 months<=36 months | 10% |
The above information is for reference only. Subject to the latest announcement of Inland Revenue Department.
Buyer's Stamp Duty (BSD)
| Applicants / Companies | Rates |
| Non-Hong Kong permanent residents, local or overseas companies | 15% |
The above information is for reference only. Subject to the latest announcement of Inland Revenue Department.
