自己打釐印慳錢攻略 — 免除代理收費

在香港簽訂租約後，必須在30天內為租約「打釐印」（即繳交印花稅），否則租約在法庭上可能不被接納為證據。很多人以為打釐印很複雜，寧願付幾千元給地產代理代辦。但實際上，自己打釐印非常簡單，只需15分鐘即可完成。

In Hong Kong, after signing a tenancy agreement, you must stamp it (pay stamp duty) within 30 days. Otherwise, the agreement may not be admissible as evidence in court. Many people think stamping is complicated and pay thousands to estate agents to handle it. But in reality, DIY stamping takes just 15 minutes.

💰 為什麼自己打釐印？

💰 Why DIY Stamp Duty?

地產代理通常會收取 HK$500–HK$2,000 的代辦費用，有些甚至按租金比例收費。但實際上，網上打釐印完全免費（印花稅本身除外），操作步驟簡單直接。以一個月租 HK$15,000 的兩年租約為例，印花稅只需約 HK$450，自己辦理可節省高達 HK$2,000 的代理費。

Estate agents typically charge HK$500–HK$2,000 for stamping services, with some charging a percentage of rent. But online stamping is completely free (aside from the stamp duty itself), and the process is straightforward. For a two-year lease at HK$15,000/month, stamp duty is only about HK$450 — handling it yourself can save up to HK$2,000 in agent fees.

📋 打釐印前準備清單

📋 Pre-Stamping Checklist

所需文件：已簽署的租約正本（雙方簽名）、業主及租客的身份證副本。確保租約上清楚列明：雙方全名及身份證號碼、物業地址、租期（開始及結束日期）、月租金額、按金金額。如有免租期，亦應在租約中註明。

Documents needed: the signed tenancy agreement (both parties signed), copies of landlord and tenant HKID cards. Ensure the agreement clearly states: full names and HKID numbers of both parties, property address, lease term (start and end dates), monthly rent, and deposit amount. If there is a rent-free period, it should also be noted.

🖥️ 網上打釐印逐步教學

🖥️ Step-by-Step Online Stamping Tutorial

步驟1：前往稅務局「e-Stamping」網站（www.gov.hk/estamping）。選擇「租約印花稅」（Stamp Duty on Tenancy Agreement）。無需註冊帳戶，可直接以訪客身份辦理。

Step 1: Go to the IRD e-Stamping website (www.gov.hk/estamping). Select 'Stamp Duty on Tenancy Agreement'. No account registration is needed — you can proceed as a guest.

步驟2：填寫物業資料。輸入物業地址、租期開始及結束日期、月租金額。系統會自動計算應繳的印花稅金額。印花稅率一般為年租的0.25%（租期不超過1年）或年租的0.5%（租期1-3年）。

Step 2: Fill in property details. Enter the property address, lease start and end dates, and monthly rent. The system will automatically calculate the stamp duty payable. The rate is generally 0.25% of annual rent (lease ≤1 year) or 0.5% of annual rent (lease 1–3 years).

步驟3：填寫業主及租客資料。輸入雙方全名及身份證號碼。仔細核對資料，確保與租約上的資料一致。

Step 3: Enter landlord and tenant details. Input both parties' full names and HKID numbers. Double-check all information against the tenancy agreement.

步驟4：選擇付款方式。支援信用卡（Visa/Mastercard）、繳費靈（PPS）或網上銀行付款。付款成功後，系統會即時產生電子印花證明書。

Step 4: Choose payment method. Credit card (Visa/Mastercard), PPS, or online banking are supported. After successful payment, the system instantly generates an electronic stamp certificate.

步驟5：下載及列印。立即下載電子印花證明書（PDF格式），列印兩份，分別由業主及租客各保存一份。建議同時保存電子檔以備不時之需。

Step 5: Download and print. Download the electronic stamp certificate (PDF) immediately. Print two copies — one for the landlord and one for the tenant. Keep the digital file as backup.

📊 印花稅計算速查表

📊 Quick Stamp Duty Reference

租期 ≤ 1年：印花稅 = 年租 × 0.25%。租期 1–3年：印花稅 = 年租 × 0.5%。租期 > 3年：印花稅 = 年租 × 1%。年租計算方式為月租 × 12（如有免租期，需從年租中扣除）。

Lease ≤ 1 year: Stamp duty = annual rent × 0.25%. Lease 1–3 years: Stamp duty = annual rent × 0.5%. Lease > 3 years: Stamp duty = annual rent × 1%. Annual rent = monthly rent × 12 (deduct any rent-free period from the annual rent calculation).

例子：月租 HK$20,000，兩年租約（死約12個月 + 生約12個月），免租期7日。年租 = HK$20,000 × 12 − (HK$20,000 × 7/30) ≈ HK$235,333。印花稅 = HK$235,333 × 0.5% ≈ HK$1,177。

Example: Monthly rent HK$20,000, two-year lease (12-month fixed + 12-month optional), 7-day rent-free period. Annual rent = HK$20,000 × 12 − (HK$20,000 × 7/30) ≈ HK$235,333. Stamp duty = HK$235,333 × 0.5% ≈ HK$1,177.

⚠️ 常見錯誤及注意事項

⚠️ Common Mistakes & Important Notes

錯誤1：超過30天限期。逾期打釐印可能被罰款，罰款金額為印花稅的2至10倍。務必在簽約後30天內完成。

Mistake 1: Exceeding the 30-day deadline. Late stamping may result in a penalty of 2–10 times the stamp duty amount. Always complete stamping within 30 days of signing.

錯誤2：資料輸入錯誤。一旦提交及付款，如需修改資料，必須向稅務局申請更正，過程繁瑣。填寫時務必仔細核對。

Mistake 2: Incorrect data entry. Once submitted and paid, correcting information requires a formal application to the IRD — a cumbersome process. Double-check all entries carefully.

錯誤3：租約未經雙方簽署就嘗試打釐印。打釐印前，租約必須已經雙方簽署並註明簽署日期（即立約日期）。

Mistake 3: Attempting to stamp an unsigned agreement. The agreement must be signed by both parties with the agreement date clearly stated before stamping.

注意：打釐印後，印花證明書應附在租約上。業主及租客各保留一份。如日後發生租務糾紛，已打釐印的租約才能在法庭上作為證據。

Note: After stamping, the stamp certificate should be attached to the tenancy agreement. Both landlord and tenant should each keep a copy. In case of future tenancy disputes, only a stamped agreement is admissible in court.

✅ 總結

✅ Summary

自己打釐印完全可行，只需15分鐘，便可節省數千元的代理費用。關鍵是確保租約內容準確無誤、在30天限期內完成，並仔細核對所有輸入資料。使用本網站的免費租約生成工具，配合自行打釐印，整個租務流程幾乎零成本！

DIY stamping is entirely feasible — just 15 minutes can save you thousands in agent fees. The key is ensuring the tenancy agreement is accurate, completing stamping within 30 days, and carefully verifying all entered data. Use our free tenancy agreement generator together with DIY stamping, and the entire rental process costs almost nothing!