NestHK · Agent bundle
One deal, from tax to split, on a single page
Once a client has asked about tax they ask how much cash they need, and once the deal closes you work out the split. In practice these three belong together, but they used to mean three pages and three price entries. Here one set of inputs drives all three.
2026-09 · Tax bands and mortgage rules were reviewed in 2026-09; always confirm against the latest IRD and HKMA announcements.
Shared inputs
Enter the price once and all three layers update together. Adjust the remaining ratios to match your actual agreement with the other side.
Commission rates, split ratios and legal fees are market conventions rather than statutory rules. Results here are for reference only and are not tax, legal or investment advice.
Layer 1 | Stamp duty (AVD)
Bands effective from 2026-02-26
Layer 2 | Total buying cost (cash the buyer needs)
Buyer cash = price + stamp duty + buyer commission + legal fees + incidentals (excludes seller commission).
Layer 3 | Co-broke commission split
In Hong Kong the seller usually pays ~1% commission; in a co-broke it is split between the two agents, each then subject to their agency’s cut. Adjust above.
About this tool
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
- What is co-broke?
- Both sides engage an agent; commission is split between the two agents.
- Does the buyer pay commission?
- Traditionally the seller pays ~1%; in co-broke buyers often pay ~1% more — adjustable above.
- How much does the agency take?
- Adjust each side’s agency cut above; your agency policy applies.
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.