H Home Sifu Free property tools

Stamp Duty Calculator · Malaysia

What's the stamp
duty on your home?

The Memorandum of Transfer (MOT) stamp duty is one of the biggest closing costs buyers forget. Work out yours — plus the loan agreement duty — using the official tiered rates.

Your purchase

Enter the price; everything updates live.

Property
RM
Loan
RM
Set to 90% of price →
Relief
Total stamp duty
RM 0
Enter a price to begin
MOT (transfer) dutyRM 0
First RM100k @ 1%RM 0
RM100k–500k @ 2%RM 0
RM500k–1m @ 3%RM 0
Above RM1m @ 4%RM 0
Loan agreement dutyRM 0
0.5% of loanRM 0
Total payableRM 0
SPA stamp duty is a nominal RM10 per copy (ad-valorem is on the MOT, not the SPA). Legal fees are separate from stamp duty.

How property stamp duty works

Stamp duty is a tax on the document. Unstamped, a property document isn't admissible in court (Stamp Act 1949 s.52). For a purchase you pay on two instruments:

1%

First RM100,000

The lowest band. Every purchase starts here.

2%

RM100k – RM500k

The middle band where most homes land.

3%

RM500k – RM1m

Upgrade purchases start to feel this band.

4%

Above RM1m

The top band (raised from 3% in Budget 2019).

0.5%

Loan agreement

A flat 0.5% of your loan amount — easy to forget, but real money on a big mortgage.

30d

Pay within 30 days

Stamp via the LHDN STAMPS portal. Late stamping can trigger penalties up to 100% of the duty.

Questions

How is MOT stamp duty calculated?
It's tiered (ad-valorem) on the property price or market value, whichever is higher: 1% on the first RM100k, 2% from RM100k–500k, 3% from RM500k–1m, and 4% above RM1m. Example: a RM800k home = RM1,000 + RM8,000 + RM9,000 = RM18,000.
What about the loan agreement?
A separate 0.5% of your loan amount. On a RM450k loan that's RM2,250. This tool adds it to your total.
Do first-time buyers pay stamp duty?
Only exempt during an active HOC / Budget-gazetted relief window and under a specific price cap. Don't assume it applies — model your purchase assuming you pay full duty, then apply the exemption toggle only if a window is currently in force.
Is the SPA stamped too?
Yes, but only a nominal RM10 per copy — the ad-valorem duty is charged on the MOT, not the SPA, to avoid double duty.
What if I stamp late?
Late stamping triggers penalties under s.47A — up to 100% of the unpaid duty if more than 6 months late. And an unstamped document can't be used as evidence in court.

For general education only — not legal or financial advice. Rates reflect the schedule current as of 2026 but exemptions (HOC windows, family-transfer relief) change with each Federal Budget — always confirm the current gazette and the official LHDN STAMPS portal. Stamp duty is separate from legal fees, valuation and other closing costs.