NestHK · Agent Zone

Total Buying Cost Calculator: Cash Needed to Close

Price + stamp duty + agent commission (adjustable for both sides) + legal fees + incidentals — see at a glance how much cash your client really needs to buy.

Price

In Hong Kong the seller usually pays 1% commission; if the buyer engages a separate agent (co-broke), they often pay about 1% more. Adjust above.

Cost breakdown

Stamp duty (AVD)HK$240,000
Buyer agent commissionHK$80,000
Seller agent commissionHK$80,000
Legal feesHK$8,000
IncidentalsHK$5,000
Cash the buyer needsHK$8,333,000
Total deal cashHK$8,413,000

Buyer cash = price + stamp duty + buyer commission + legal fees + incidentals (excludes seller commission).

Commission and legal fees are common conventions; use the contract / solicitor quote as final.

About this tool

N

NestHK

NestHK editorial team — data analysts and on-the-ground Hong Kong renting & buying researchers turning open government data and public transaction records into actionable neighbourhood advice.

Basis of calculation

  • HK Inland Revenue Department — residential Ad Valorem Stamp Duty (AVD) bands
  • HKMA mortgage guidance (70% LTV cap / 50% DSR)
  • Rating and Valuation Department — price & rent statistics
  • Census and Statistics Department — household income & housing
  • Hong Kong Open Data Portal DATA.GOV.HK

FAQ

How much cash to close?
Price + stamp duty + agent commission + legal fee + incidentals.
About how much commission?
Sellers usually pay ~1%; in a co-broke buyers often pay ~1% more.
What is it based on?
Your contract and solicitor quote; this tool uses common conventions.

This tool is for decision reference only. All calculations are based on the assumptions you enter and do not constitute investment, legal or tax advice. Figures are shown in their original currency, without inflation or personal tax adjustments. Data provided by NestHK — see more housing-decision tools in the free tools.

Total Buying Cost Calculator: Cash Needed to Close · NestHK