The utility model is applicable to the technical field of electrical components, and provides a surface-mounted fine tuning capacitor, which comprises a top metal plate, a middle metal plate and a bottom bonding pad, the top layer metal plate and the middle layer metal plate form a first capacitor unit, the middle layer metal plate and the bottom layer bonding pad form a second capacitor unit, andthe first capacitor unit and the second capacitor unit are connected in parallel. The top metal plate comprises a connecting plate and at least one fine tuning plate connected with the connecting plate. Dielectric substrates are filled between the top metal plate and the middle metal plate and between the middle metal plate and the bottom bonding pad. According to the utility model, the connection between the fine adjustment plate of the top metal plate and the connecting plate can be cut off to change the relative area of the top metal plate and the middle metal plate; therefore, the capacitance of the first capacitor unit is changed, the area of each fine tuning plate is fixed, the fine tuning amount of the capacitor can be effectively controlled through the structure and the method, the operation difficulty of capacitor debugging is reduced, and the production efficiency is improved.