Century 21 Centaland Property

Down Payment (HKD)

$2,320,000

Monthly Repayment (HKD)

$15,006

Loan Amount (HKD)

$3,480,000

Total Interest (HKD)

$1,021,675

Total Repayment (HKD)

$4,501,675

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$15,006	$6,235	$8,771	$3,471,229
1	2	$15,006	$6,219	$8,786	$3,462,443
1	3	$15,006	$6,204	$8,802	$3,453,641
1	4	$15,006	$6,188	$8,818	$3,444,823
1	5	$15,006	$6,172	$8,834	$3,435,990
1	6	$15,006	$6,156	$8,849	$3,427,140
1	7	$15,006	$6,140	$8,865	$3,418,275
1	8	$15,006	$6,124	$8,881	$3,409,394
1	9	$15,006	$6,108	$8,897	$3,400,497
1	10	$15,006	$6,093	$8,913	$3,391,584
1	11	$15,006	$6,077	$8,929	$3,382,655
1	12	$15,006	$6,061	$8,945	$3,373,710
2	13	$15,006	$6,045	$8,961	$3,364,749
2	14	$15,006	$6,029	$8,977	$3,355,772
2	15	$15,006	$6,012	$8,993	$3,346,778
2	16	$15,006	$5,996	$9,009	$3,337,769
2	17	$15,006	$5,980	$9,025	$3,328,744
2	18	$15,006	$5,964	$9,042	$3,319,702
2	19	$15,006	$5,948	$9,058	$3,310,644
2	20	$15,006	$5,932	$9,074	$3,301,570
2	21	$15,006	$5,915	$9,090	$3,292,480
2	22	$15,006	$5,899	$9,107	$3,283,374
2	23	$15,006	$5,883	$9,123	$3,274,251
2	24	$15,006	$5,866	$9,139	$3,265,111
3	25	$15,006	$5,850	$9,156	$3,255,956
3	26	$15,006	$5,834	$9,172	$3,246,784
3	27	$15,006	$5,817	$9,188	$3,237,595
3	28	$15,006	$5,801	$9,205	$3,228,391
3	29	$15,006	$5,784	$9,221	$3,219,169
3	30	$15,006	$5,768	$9,238	$3,209,931
3	31	$15,006	$5,751	$9,254	$3,200,677
3	32	$15,006	$5,735	$9,271	$3,191,406
3	33	$15,006	$5,718	$9,288	$3,182,118
3	34	$15,006	$5,701	$9,304	$3,172,814
3	35	$15,006	$5,685	$9,321	$3,163,493
3	36	$15,006	$5,668	$9,338	$3,154,155
4	37	$15,006	$5,651	$9,354	$3,144,801
4	38	$15,006	$5,634	$9,371	$3,135,430
4	39	$15,006	$5,618	$9,388	$3,126,042
4	40	$15,006	$5,601	$9,405	$3,116,637
4	41	$15,006	$5,584	$9,422	$3,107,215
4	42	$15,006	$5,567	$9,438	$3,097,777
4	43	$15,006	$5,550	$9,455	$3,088,321
4	44	$15,006	$5,533	$9,472	$3,078,849
4	45	$15,006	$5,516	$9,489	$3,069,360
4	46	$15,006	$5,499	$9,506	$3,059,854
4	47	$15,006	$5,482	$9,523	$3,050,330
4	48	$15,006	$5,465	$9,540	$3,040,790
5	49	$15,006	$5,448	$9,558	$3,031,232
5	50	$15,006	$5,431	$9,575	$3,021,658
5	51	$15,006	$5,414	$9,592	$3,012,066
5	52	$15,006	$5,397	$9,609	$3,002,457
5	53	$15,006	$5,379	$9,626	$2,992,831
5	54	$15,006	$5,362	$9,643	$2,983,187
5	55	$15,006	$5,345	$9,661	$2,973,527
5	56	$15,006	$5,328	$9,678	$2,963,849
5	57	$15,006	$5,310	$9,695	$2,954,153
5	58	$15,006	$5,293	$9,713	$2,944,440
5	59	$15,006	$5,275	$9,730	$2,934,710
5	60	$15,006	$5,258	$9,748	$2,924,963
6	61	$15,006	$5,241	$9,765	$2,915,198
6	62	$15,006	$5,223	$9,783	$2,905,415
6	63	$15,006	$5,206	$9,800	$2,895,615
6	64	$15,006	$5,188	$9,818	$2,885,798
6	65	$15,006	$5,170	$9,835	$2,875,962
6	66	$15,006	$5,153	$9,853	$2,866,110
6	67	$15,006	$5,135	$9,870	$2,856,239
6	68	$15,006	$5,117	$9,888	$2,846,351
6	69	$15,006	$5,100	$9,906	$2,836,445
6	70	$15,006	$5,082	$9,924	$2,826,521
6	71	$15,006	$5,064	$9,941	$2,816,580
6	72	$15,006	$5,046	$9,959	$2,806,621
7	73	$15,006	$5,029	$9,977	$2,796,644
7	74	$15,006	$5,011	$9,995	$2,786,649
7	75	$15,006	$4,993	$10,013	$2,776,636
7	76	$15,006	$4,975	$10,031	$2,766,605
7	77	$15,006	$4,957	$10,049	$2,756,557
7	78	$15,006	$4,939	$10,067	$2,746,490
7	79	$15,006	$4,921	$10,085	$2,736,405
7	80	$15,006	$4,903	$10,103	$2,726,302
7	81	$15,006	$4,885	$10,121	$2,716,181
7	82	$15,006	$4,866	$10,139	$2,706,042
7	83	$15,006	$4,848	$10,157	$2,695,885
7	84	$15,006	$4,830	$10,175	$2,685,709
8	85	$15,006	$4,812	$10,194	$2,675,516
8	86	$15,006	$4,794	$10,212	$2,665,304
8	87	$15,006	$4,775	$10,230	$2,655,073
8	88	$15,006	$4,757	$10,249	$2,644,825
8	89	$15,006	$4,739	$10,267	$2,634,558
8	90	$15,006	$4,720	$10,285	$2,624,273
8	91	$15,006	$4,702	$10,304	$2,613,969
8	92	$15,006	$4,683	$10,322	$2,603,647
8	93	$15,006	$4,665	$10,341	$2,593,306
8	94	$15,006	$4,646	$10,359	$2,582,947
8	95	$15,006	$4,628	$10,378	$2,572,569
8	96	$15,006	$4,609	$10,396	$2,562,172
9	97	$15,006	$4,591	$10,415	$2,551,757
9	98	$15,006	$4,572	$10,434	$2,541,324
9	99	$15,006	$4,553	$10,452	$2,530,871
9	100	$15,006	$4,534	$10,471	$2,520,400
9	101	$15,006	$4,516	$10,490	$2,509,910
9	102	$15,006	$4,497	$10,509	$2,499,402
9	103	$15,006	$4,478	$10,527	$2,488,874
9	104	$15,006	$4,459	$10,546	$2,478,328
9	105	$15,006	$4,440	$10,565	$2,467,763
9	106	$15,006	$4,421	$10,584	$2,457,179
9	107	$15,006	$4,402	$10,603	$2,446,575
9	108	$15,006	$4,383	$10,622	$2,435,953
10	109	$15,006	$4,364	$10,641	$2,425,312
10	110	$15,006	$4,345	$10,660	$2,414,652
10	111	$15,006	$4,326	$10,679	$2,403,973
10	112	$15,006	$4,307	$10,698	$2,393,274
10	113	$15,006	$4,288	$10,718	$2,382,556
10	114	$15,006	$4,269	$10,737	$2,371,820
10	115	$15,006	$4,250	$10,756	$2,361,063
10	116	$15,006	$4,230	$10,775	$2,350,288
10	117	$15,006	$4,211	$10,795	$2,339,494
10	118	$15,006	$4,192	$10,814	$2,328,680
10	119	$15,006	$4,172	$10,833	$2,317,846
10	120	$15,006	$4,153	$10,853	$2,306,993
11	121	$15,006	$4,133	$10,872	$2,296,121
11	122	$15,006	$4,114	$10,892	$2,285,229
11	123	$15,006	$4,094	$10,911	$2,274,318
11	124	$15,006	$4,075	$10,931	$2,263,387
11	125	$15,006	$4,055	$10,950	$2,252,437
11	126	$15,006	$4,036	$10,970	$2,241,467
11	127	$15,006	$4,016	$10,990	$2,230,478
11	128	$15,006	$3,996	$11,009	$2,219,468
11	129	$15,006	$3,977	$11,029	$2,208,439
11	130	$15,006	$3,957	$11,049	$2,197,390
11	131	$15,006	$3,937	$11,069	$2,186,322
11	132	$15,006	$3,917	$11,088	$2,175,233
12	133	$15,006	$3,897	$11,108	$2,164,125
12	134	$15,006	$3,877	$11,128	$2,152,997
12	135	$15,006	$3,857	$11,148	$2,141,849
12	136	$15,006	$3,837	$11,168	$2,130,681
12	137	$15,006	$3,817	$11,188	$2,119,493
12	138	$15,006	$3,797	$11,208	$2,108,284
12	139	$15,006	$3,777	$11,228	$2,097,056
12	140	$15,006	$3,757	$11,248	$2,085,808
12	141	$15,006	$3,737	$11,269	$2,074,539
12	142	$15,006	$3,717	$11,289	$2,063,251
12	143	$15,006	$3,697	$11,309	$2,051,942
12	144	$15,006	$3,676	$11,329	$2,040,612
13	145	$15,006	$3,656	$11,349	$2,029,263
13	146	$15,006	$3,636	$11,370	$2,017,893
13	147	$15,006	$3,615	$11,390	$2,006,503
13	148	$15,006	$3,595	$11,411	$1,995,092
13	149	$15,006	$3,575	$11,431	$1,983,661
13	150	$15,006	$3,554	$11,452	$1,972,210
13	151	$15,006	$3,534	$11,472	$1,960,738
13	152	$15,006	$3,513	$11,493	$1,949,245
13	153	$15,006	$3,492	$11,513	$1,937,732
13	154	$15,006	$3,472	$11,534	$1,926,198
13	155	$15,006	$3,451	$11,554	$1,914,644
13	156	$15,006	$3,430	$11,575	$1,903,069
14	157	$15,006	$3,410	$11,596	$1,891,473
14	158	$15,006	$3,389	$11,617	$1,879,856
14	159	$15,006	$3,368	$11,638	$1,868,218
14	160	$15,006	$3,347	$11,658	$1,856,560
14	161	$15,006	$3,326	$11,679	$1,844,881
14	162	$15,006	$3,305	$11,700	$1,833,181
14	163	$15,006	$3,284	$11,721	$1,821,460
14	164	$15,006	$3,263	$11,742	$1,809,717
14	165	$15,006	$3,242	$11,763	$1,797,954
14	166	$15,006	$3,221	$11,784	$1,786,170
14	167	$15,006	$3,200	$11,805	$1,774,365
14	168	$15,006	$3,179	$11,827	$1,762,538
15	169	$15,006	$3,158	$11,848	$1,750,690
15	170	$15,006	$3,137	$11,869	$1,738,821
15	171	$15,006	$3,115	$11,890	$1,726,931
15	172	$15,006	$3,094	$11,911	$1,715,020
15	173	$15,006	$3,073	$11,933	$1,703,087
15	174	$15,006	$3,051	$11,954	$1,691,133
15	175	$15,006	$3,030	$11,976	$1,679,157
15	176	$15,006	$3,008	$11,997	$1,667,160
15	177	$15,006	$2,987	$12,019	$1,655,141
15	178	$15,006	$2,965	$12,040	$1,643,101
15	179	$15,006	$2,944	$12,062	$1,631,040
15	180	$15,006	$2,922	$12,083	$1,618,956
16	181	$15,006	$2,901	$12,105	$1,606,851
16	182	$15,006	$2,879	$12,127	$1,594,725
16	183	$15,006	$2,857	$12,148	$1,582,576
16	184	$15,006	$2,835	$12,170	$1,570,406
16	185	$15,006	$2,814	$12,192	$1,558,214
16	186	$15,006	$2,792	$12,214	$1,546,000
16	187	$15,006	$2,770	$12,236	$1,533,765
16	188	$15,006	$2,748	$12,258	$1,521,507
16	189	$15,006	$2,726	$12,280	$1,509,228
16	190	$15,006	$2,704	$12,302	$1,496,926
16	191	$15,006	$2,682	$12,324	$1,484,603
16	192	$15,006	$2,660	$12,346	$1,472,257
17	193	$15,006	$2,638	$12,368	$1,459,889
17	194	$15,006	$2,616	$12,390	$1,447,499
17	195	$15,006	$2,593	$12,412	$1,435,087
17	196	$15,006	$2,571	$12,434	$1,422,653
17	197	$15,006	$2,549	$12,457	$1,410,196
17	198	$15,006	$2,527	$12,479	$1,397,717
17	199	$15,006	$2,504	$12,501	$1,385,216
17	200	$15,006	$2,482	$12,524	$1,372,692
17	201	$15,006	$2,459	$12,546	$1,360,146
17	202	$15,006	$2,437	$12,569	$1,347,577
17	203	$15,006	$2,414	$12,591	$1,334,986
17	204	$15,006	$2,392	$12,614	$1,322,372
18	205	$15,006	$2,369	$12,636	$1,309,736
18	206	$15,006	$2,347	$12,659	$1,297,077
18	207	$15,006	$2,324	$12,682	$1,284,395
18	208	$15,006	$2,301	$12,704	$1,271,691
18	209	$15,006	$2,278	$12,727	$1,258,964
18	210	$15,006	$2,256	$12,750	$1,246,214
18	211	$15,006	$2,233	$12,773	$1,233,441
18	212	$15,006	$2,210	$12,796	$1,220,645
18	213	$15,006	$2,187	$12,819	$1,207,827
18	214	$15,006	$2,164	$12,842	$1,194,985
18	215	$15,006	$2,141	$12,865	$1,182,121
18	216	$15,006	$2,118	$12,888	$1,169,233
19	217	$15,006	$2,095	$12,911	$1,156,322
19	218	$15,006	$2,072	$12,934	$1,143,388
19	219	$15,006	$2,049	$12,957	$1,130,431
19	220	$15,006	$2,025	$12,980	$1,117,451
19	221	$15,006	$2,002	$13,003	$1,104,448
19	222	$15,006	$1,979	$13,027	$1,091,421
19	223	$15,006	$1,955	$13,050	$1,078,371
19	224	$15,006	$1,932	$13,074	$1,065,297
19	225	$15,006	$1,909	$13,097	$1,052,200
19	226	$15,006	$1,885	$13,120	$1,039,080
19	227	$15,006	$1,862	$13,144	$1,025,936
19	228	$15,006	$1,838	$13,167	$1,012,769
20	229	$15,006	$1,815	$13,191	$999,578
20	230	$15,006	$1,791	$13,215	$986,363
20	231	$15,006	$1,767	$13,238	$973,125
20	232	$15,006	$1,744	$13,262	$959,862
20	233	$15,006	$1,720	$13,286	$946,577
20	234	$15,006	$1,696	$13,310	$933,267
20	235	$15,006	$1,672	$13,333	$919,933
20	236	$15,006	$1,648	$13,357	$906,576
20	237	$15,006	$1,624	$13,381	$893,195
20	238	$15,006	$1,600	$13,405	$879,790
20	239	$15,006	$1,576	$13,429	$866,360
20	240	$15,006	$1,552	$13,453	$852,907
21	241	$15,006	$1,528	$13,477	$839,429
21	242	$15,006	$1,504	$13,502	$825,928
21	243	$15,006	$1,480	$13,526	$812,402
21	244	$15,006	$1,456	$13,550	$798,852
21	245	$15,006	$1,431	$13,574	$785,278
21	246	$15,006	$1,407	$13,599	$771,679
21	247	$15,006	$1,383	$13,623	$758,056
21	248	$15,006	$1,358	$13,647	$744,409
21	249	$15,006	$1,334	$13,672	$730,737
21	250	$15,006	$1,309	$13,696	$717,041
21	251	$15,006	$1,285	$13,721	$703,320
21	252	$15,006	$1,260	$13,745	$689,574
22	253	$15,006	$1,235	$13,770	$675,804
22	254	$15,006	$1,211	$13,795	$662,009
22	255	$15,006	$1,186	$13,819	$648,190
22	256	$15,006	$1,161	$13,844	$634,346
22	257	$15,006	$1,137	$13,869	$620,477
22	258	$15,006	$1,112	$13,894	$606,583
22	259	$15,006	$1,087	$13,919	$592,664
22	260	$15,006	$1,062	$13,944	$578,720
22	261	$15,006	$1,037	$13,969	$564,751
22	262	$15,006	$1,012	$13,994	$550,758
22	263	$15,006	$987	$14,019	$536,739
22	264	$15,006	$962	$14,044	$522,695
23	265	$15,006	$936	$14,069	$508,626
23	266	$15,006	$911	$14,094	$494,532
23	267	$15,006	$886	$14,120	$480,412
23	268	$15,006	$861	$14,145	$466,267
23	269	$15,006	$835	$14,170	$452,097
23	270	$15,006	$810	$14,196	$437,901
23	271	$15,006	$785	$14,221	$423,680
23	272	$15,006	$759	$14,246	$409,434
23	273	$15,006	$734	$14,272	$395,162
23	274	$15,006	$708	$14,298	$380,864
23	275	$15,006	$682	$14,323	$366,541
23	276	$15,006	$657	$14,349	$352,192
24	277	$15,006	$631	$14,375	$337,818
24	278	$15,006	$605	$14,400	$323,417
24	279	$15,006	$579	$14,426	$308,991
24	280	$15,006	$554	$14,452	$294,539
24	281	$15,006	$528	$14,478	$280,061
24	282	$15,006	$502	$14,504	$265,558
24	283	$15,006	$476	$14,530	$251,028
24	284	$15,006	$450	$14,556	$236,472
24	285	$15,006	$424	$14,582	$221,890
24	286	$15,006	$398	$14,608	$207,282
24	287	$15,006	$371	$14,634	$192,648
24	288	$15,006	$345	$14,660	$177,987
25	289	$15,006	$319	$14,687	$163,301
25	290	$15,006	$293	$14,713	$148,588
25	291	$15,006	$266	$14,739	$133,848
25	292	$15,006	$240	$14,766	$119,083
25	293	$15,006	$213	$14,792	$104,290
25	294	$15,006	$187	$14,819	$89,472
25	295	$15,006	$160	$14,845	$74,626
25	296	$15,006	$134	$14,872	$59,754
25	297	$15,006	$107	$14,899	$44,856
25	298	$15,006	$80	$14,925	$29,931
25	299	$15,006	$54	$14,952	$14,979
25	300	$15,006	$27	$14,979	$0

Property Price	HKD


Loan Ratio	%
Interest Ratio	%
Loan Period	Year(s)

	(Scale 2) Ad Valorem Stamp Duty (For First –time and Change* of Residential Property Buyer)
	(New) Ad Valorem Stamp Duty Applicable to all residential property (except that acquired by a Hong Kong Permanent Resident who does not own any other residential property in Hong Kong at the time of acquisition) either by an individual or a company.
	(Scale 1) Ad Valorem Stamp Duty Applicable to all non-residential property, either by an individual or a company.
	BSD Buyer Stamp Duty Applicable to all residential property acquired by any person (including a company incorporated) except a Hong Kong Permanent Resident

Down Payment	HK$ 2,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,378,000

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	SSD Special Stamp Duty if SSD is paid by vendor, please ignore this option
Remarks: *Change of Residential Property Case: A Hong Kong Permanent Resident may seek a refund of the stamp duty paid in excess of that computed under the old rates upon proof that his only other residential property has been disposed of within six months from the date of agreement to acquire a new residential property. Reminder: The calculation is for reference only and subject to the latest announcement of Inland Revenue Department. For details, please contact our Mortgage Consultant.