Century 21 Centaland Property

Down Payment (HKD)

$2,640,000

Monthly Repayment (HKD)

$17,075

Loan Amount (HKD)

$3,960,000

Total Interest (HKD)

$1,162,595

Total Repayment (HKD)

$5,122,595

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$17,075	$7,095	$9,980	$3,950,020
1	2	$17,075	$7,077	$9,998	$3,940,021
1	3	$17,075	$7,059	$10,016	$3,930,005
1	4	$17,075	$7,041	$10,034	$3,919,971
1	5	$17,075	$7,023	$10,052	$3,909,919
1	6	$17,075	$7,005	$10,070	$3,899,849
1	7	$17,075	$6,987	$10,088	$3,889,761
1	8	$17,075	$6,969	$10,106	$3,879,655
1	9	$17,075	$6,951	$10,124	$3,869,531
1	10	$17,075	$6,933	$10,142	$3,859,388
1	11	$17,075	$6,915	$10,161	$3,849,228
1	12	$17,075	$6,897	$10,179	$3,839,049
2	13	$17,075	$6,878	$10,197	$3,828,852
2	14	$17,075	$6,860	$10,215	$3,818,637
2	15	$17,075	$6,842	$10,234	$3,808,403
2	16	$17,075	$6,823	$10,252	$3,798,151
2	17	$17,075	$6,805	$10,270	$3,787,881
2	18	$17,075	$6,787	$10,289	$3,777,592
2	19	$17,075	$6,768	$10,307	$3,767,285
2	20	$17,075	$6,750	$10,326	$3,756,959
2	21	$17,075	$6,731	$10,344	$3,746,615
2	22	$17,075	$6,713	$10,363	$3,736,253
2	23	$17,075	$6,694	$10,381	$3,725,871
2	24	$17,075	$6,676	$10,400	$3,715,472
3	25	$17,075	$6,657	$10,418	$3,705,053
3	26	$17,075	$6,638	$10,437	$3,694,616
3	27	$17,075	$6,620	$10,456	$3,684,160
3	28	$17,075	$6,601	$10,475	$3,673,686
3	29	$17,075	$6,582	$10,493	$3,663,192
3	30	$17,075	$6,563	$10,512	$3,652,680
3	31	$17,075	$6,544	$10,531	$3,642,149
3	32	$17,075	$6,526	$10,550	$3,631,600
3	33	$17,075	$6,507	$10,569	$3,621,031
3	34	$17,075	$6,488	$10,588	$3,610,443
3	35	$17,075	$6,469	$10,607	$3,599,837
3	36	$17,075	$6,450	$10,626	$3,589,211
4	37	$17,075	$6,431	$10,645	$3,578,566
4	38	$17,075	$6,412	$10,664	$3,567,903
4	39	$17,075	$6,392	$10,683	$3,557,220
4	40	$17,075	$6,373	$10,702	$3,546,518
4	41	$17,075	$6,354	$10,721	$3,535,797
4	42	$17,075	$6,335	$10,740	$3,525,056
4	43	$17,075	$6,316	$10,760	$3,514,297
4	44	$17,075	$6,296	$10,779	$3,503,518
4	45	$17,075	$6,277	$10,798	$3,492,720
4	46	$17,075	$6,258	$10,818	$3,481,902
4	47	$17,075	$6,238	$10,837	$3,471,065
4	48	$17,075	$6,219	$10,856	$3,460,209
5	49	$17,075	$6,200	$10,876	$3,449,333
5	50	$17,075	$6,180	$10,895	$3,438,438
5	51	$17,075	$6,161	$10,915	$3,427,523
5	52	$17,075	$6,141	$10,934	$3,416,589
5	53	$17,075	$6,121	$10,954	$3,405,635
5	54	$17,075	$6,102	$10,974	$3,394,661
5	55	$17,075	$6,082	$10,993	$3,383,668
5	56	$17,075	$6,062	$11,013	$3,372,655
5	57	$17,075	$6,043	$11,033	$3,361,623
5	58	$17,075	$6,023	$11,052	$3,350,570
5	59	$17,075	$6,003	$11,072	$3,339,498
5	60	$17,075	$5,983	$11,092	$3,328,406
6	61	$17,075	$5,963	$11,112	$3,317,294
6	62	$17,075	$5,943	$11,132	$3,306,162
6	63	$17,075	$5,924	$11,152	$3,295,010
6	64	$17,075	$5,904	$11,172	$3,283,839
6	65	$17,075	$5,884	$11,192	$3,272,647
6	66	$17,075	$5,863	$11,212	$3,261,435
6	67	$17,075	$5,843	$11,232	$3,250,203
6	68	$17,075	$5,823	$11,252	$3,238,951
6	69	$17,075	$5,803	$11,272	$3,227,679
6	70	$17,075	$5,783	$11,292	$3,216,386
6	71	$17,075	$5,763	$11,313	$3,205,074
6	72	$17,075	$5,742	$11,333	$3,193,741
7	73	$17,075	$5,722	$11,353	$3,182,388
7	74	$17,075	$5,702	$11,374	$3,171,014
7	75	$17,075	$5,681	$11,394	$3,159,620
7	76	$17,075	$5,661	$11,414	$3,148,206
7	77	$17,075	$5,641	$11,435	$3,136,771
7	78	$17,075	$5,620	$11,455	$3,125,316
7	79	$17,075	$5,600	$11,476	$3,113,840
7	80	$17,075	$5,579	$11,496	$3,102,344
7	81	$17,075	$5,558	$11,517	$3,090,827
7	82	$17,075	$5,538	$11,538	$3,079,289
7	83	$17,075	$5,517	$11,558	$3,067,731
7	84	$17,075	$5,496	$11,579	$3,056,152
8	85	$17,075	$5,476	$11,600	$3,044,552
8	86	$17,075	$5,455	$11,620	$3,032,932
8	87	$17,075	$5,434	$11,641	$3,021,291
8	88	$17,075	$5,413	$11,662	$3,009,628
8	89	$17,075	$5,392	$11,683	$2,997,945
8	90	$17,075	$5,371	$11,704	$2,986,241
8	91	$17,075	$5,350	$11,725	$2,974,516
8	92	$17,075	$5,329	$11,746	$2,962,770
8	93	$17,075	$5,308	$11,767	$2,951,003
8	94	$17,075	$5,287	$11,788	$2,939,215
8	95	$17,075	$5,266	$11,809	$2,927,406
8	96	$17,075	$5,245	$11,830	$2,915,576
9	97	$17,075	$5,224	$11,852	$2,903,724
9	98	$17,075	$5,203	$11,873	$2,891,851
9	99	$17,075	$5,181	$11,894	$2,879,957
9	100	$17,075	$5,160	$11,915	$2,868,042
9	101	$17,075	$5,139	$11,937	$2,856,105
9	102	$17,075	$5,117	$11,958	$2,844,147
9	103	$17,075	$5,096	$11,980	$2,832,167
9	104	$17,075	$5,074	$12,001	$2,820,166
9	105	$17,075	$5,053	$12,023	$2,808,144
9	106	$17,075	$5,031	$12,044	$2,796,100
9	107	$17,075	$5,010	$12,066	$2,784,034
9	108	$17,075	$4,988	$12,087	$2,771,947
10	109	$17,075	$4,966	$12,109	$2,759,838
10	110	$17,075	$4,945	$12,131	$2,747,707
10	111	$17,075	$4,923	$12,152	$2,735,555
10	112	$17,075	$4,901	$12,174	$2,723,381
10	113	$17,075	$4,879	$12,196	$2,711,185
10	114	$17,075	$4,858	$12,218	$2,698,967
10	115	$17,075	$4,836	$12,240	$2,686,727
10	116	$17,075	$4,814	$12,262	$2,674,466
10	117	$17,075	$4,792	$12,284	$2,662,182
10	118	$17,075	$4,770	$12,306	$2,649,877
10	119	$17,075	$4,748	$12,328	$2,637,549
10	120	$17,075	$4,726	$12,350	$2,625,199
11	121	$17,075	$4,703	$12,372	$2,612,828
11	122	$17,075	$4,681	$12,394	$2,600,434
11	123	$17,075	$4,659	$12,416	$2,588,017
11	124	$17,075	$4,637	$12,438	$2,575,579
11	125	$17,075	$4,615	$12,461	$2,563,118
11	126	$17,075	$4,592	$12,483	$2,550,635
11	127	$17,075	$4,570	$12,505	$2,538,130
11	128	$17,075	$4,547	$12,528	$2,525,602
11	129	$17,075	$4,525	$12,550	$2,513,052
11	130	$17,075	$4,503	$12,573	$2,500,479
11	131	$17,075	$4,480	$12,595	$2,487,883
11	132	$17,075	$4,457	$12,618	$2,475,266
12	133	$17,075	$4,435	$12,640	$2,462,625
12	134	$17,075	$4,412	$12,663	$2,449,962
12	135	$17,075	$4,390	$12,686	$2,437,276
12	136	$17,075	$4,367	$12,709	$2,424,568
12	137	$17,075	$4,344	$12,731	$2,411,836
12	138	$17,075	$4,321	$12,754	$2,399,082
12	139	$17,075	$4,298	$12,777	$2,386,305
12	140	$17,075	$4,275	$12,800	$2,373,505
12	141	$17,075	$4,253	$12,823	$2,360,683
12	142	$17,075	$4,230	$12,846	$2,347,837
12	143	$17,075	$4,207	$12,869	$2,334,968
12	144	$17,075	$4,183	$12,892	$2,322,076
13	145	$17,075	$4,160	$12,915	$2,309,161
13	146	$17,075	$4,137	$12,938	$2,296,223
13	147	$17,075	$4,114	$12,961	$2,283,262
13	148	$17,075	$4,091	$12,984	$2,270,278
13	149	$17,075	$4,068	$13,008	$2,257,270
13	150	$17,075	$4,044	$13,031	$2,244,239
13	151	$17,075	$4,021	$13,054	$2,231,184
13	152	$17,075	$3,998	$13,078	$2,218,107
13	153	$17,075	$3,974	$13,101	$2,205,005
13	154	$17,075	$3,951	$13,125	$2,191,881
13	155	$17,075	$3,927	$13,148	$2,178,733
13	156	$17,075	$3,904	$13,172	$2,165,561
14	157	$17,075	$3,880	$13,195	$2,152,365
14	158	$17,075	$3,856	$13,219	$2,139,146
14	159	$17,075	$3,833	$13,243	$2,125,904
14	160	$17,075	$3,809	$13,266	$2,112,637
14	161	$17,075	$3,785	$13,290	$2,099,347
14	162	$17,075	$3,761	$13,314	$2,086,033
14	163	$17,075	$3,737	$13,338	$2,072,695
14	164	$17,075	$3,714	$13,362	$2,059,334
14	165	$17,075	$3,690	$13,386	$2,045,948
14	166	$17,075	$3,666	$13,410	$2,032,538
14	167	$17,075	$3,642	$13,434	$2,019,105
14	168	$17,075	$3,618	$13,458	$2,005,647
15	169	$17,075	$3,593	$13,482	$1,992,165
15	170	$17,075	$3,569	$13,506	$1,978,659
15	171	$17,075	$3,545	$13,530	$1,965,129
15	172	$17,075	$3,521	$13,554	$1,951,574
15	173	$17,075	$3,497	$13,579	$1,937,995
15	174	$17,075	$3,472	$13,603	$1,924,392
15	175	$17,075	$3,448	$13,627	$1,910,765
15	176	$17,075	$3,423	$13,652	$1,897,113
15	177	$17,075	$3,399	$13,676	$1,883,437
15	178	$17,075	$3,374	$13,701	$1,869,736
15	179	$17,075	$3,350	$13,725	$1,856,011
15	180	$17,075	$3,325	$13,750	$1,842,261
16	181	$17,075	$3,301	$13,775	$1,828,486
16	182	$17,075	$3,276	$13,799	$1,814,687
16	183	$17,075	$3,251	$13,824	$1,800,863
16	184	$17,075	$3,227	$13,849	$1,787,014
16	185	$17,075	$3,202	$13,874	$1,773,140
16	186	$17,075	$3,177	$13,898	$1,759,242
16	187	$17,075	$3,152	$13,923	$1,745,319
16	188	$17,075	$3,127	$13,948	$1,731,370
16	189	$17,075	$3,102	$13,973	$1,717,397
16	190	$17,075	$3,077	$13,998	$1,703,399
16	191	$17,075	$3,052	$14,023	$1,689,375
16	192	$17,075	$3,027	$14,049	$1,675,327
17	193	$17,075	$3,002	$14,074	$1,661,253
17	194	$17,075	$2,976	$14,099	$1,647,154
17	195	$17,075	$2,951	$14,124	$1,633,030
17	196	$17,075	$2,926	$14,149	$1,618,881
17	197	$17,075	$2,900	$14,175	$1,604,706
17	198	$17,075	$2,875	$14,200	$1,590,505
17	199	$17,075	$2,850	$14,226	$1,576,280
17	200	$17,075	$2,824	$14,251	$1,562,029
17	201	$17,075	$2,799	$14,277	$1,547,752
17	202	$17,075	$2,773	$14,302	$1,533,450
17	203	$17,075	$2,747	$14,328	$1,519,122
17	204	$17,075	$2,722	$14,354	$1,504,768
18	205	$17,075	$2,696	$14,379	$1,490,389
18	206	$17,075	$2,670	$14,405	$1,475,984
18	207	$17,075	$2,644	$14,431	$1,461,553
18	208	$17,075	$2,619	$14,457	$1,447,096
18	209	$17,075	$2,593	$14,483	$1,432,614
18	210	$17,075	$2,567	$14,509	$1,418,105
18	211	$17,075	$2,541	$14,535	$1,403,571
18	212	$17,075	$2,515	$14,561	$1,389,010
18	213	$17,075	$2,489	$14,587	$1,374,423
18	214	$17,075	$2,463	$14,613	$1,359,811
18	215	$17,075	$2,436	$14,639	$1,345,172
18	216	$17,075	$2,410	$14,665	$1,330,506
19	217	$17,075	$2,384	$14,691	$1,315,815
19	218	$17,075	$2,358	$14,718	$1,301,097
19	219	$17,075	$2,331	$14,744	$1,286,353
19	220	$17,075	$2,305	$14,771	$1,271,582
19	221	$17,075	$2,278	$14,797	$1,256,785
19	222	$17,075	$2,252	$14,824	$1,241,962
19	223	$17,075	$2,225	$14,850	$1,227,112
19	224	$17,075	$2,199	$14,877	$1,212,235
19	225	$17,075	$2,172	$14,903	$1,197,331
19	226	$17,075	$2,145	$14,930	$1,182,401
19	227	$17,075	$2,118	$14,957	$1,167,444
19	228	$17,075	$2,092	$14,984	$1,152,461
20	229	$17,075	$2,065	$15,010	$1,137,450
20	230	$17,075	$2,038	$15,037	$1,122,413
20	231	$17,075	$2,011	$15,064	$1,107,349
20	232	$17,075	$1,984	$15,091	$1,092,257
20	233	$17,075	$1,957	$15,118	$1,077,139
20	234	$17,075	$1,930	$15,145	$1,061,993
20	235	$17,075	$1,903	$15,173	$1,046,821
20	236	$17,075	$1,876	$15,200	$1,031,621
20	237	$17,075	$1,848	$15,227	$1,016,394
20	238	$17,075	$1,821	$15,254	$1,001,140
20	239	$17,075	$1,794	$15,282	$985,858
20	240	$17,075	$1,766	$15,309	$970,549
21	241	$17,075	$1,739	$15,336	$955,213
21	242	$17,075	$1,711	$15,364	$939,849
21	243	$17,075	$1,684	$15,391	$924,458
21	244	$17,075	$1,656	$15,419	$909,039
21	245	$17,075	$1,629	$15,447	$893,592
21	246	$17,075	$1,601	$15,474	$878,118
21	247	$17,075	$1,573	$15,502	$862,616
21	248	$17,075	$1,546	$15,530	$847,086
21	249	$17,075	$1,518	$15,558	$831,528
21	250	$17,075	$1,490	$15,585	$815,943
21	251	$17,075	$1,462	$15,613	$800,329
21	252	$17,075	$1,434	$15,641	$784,688
22	253	$17,075	$1,406	$15,669	$769,018
22	254	$17,075	$1,378	$15,697	$753,321
22	255	$17,075	$1,350	$15,726	$737,595
22	256	$17,075	$1,322	$15,754	$721,841
22	257	$17,075	$1,293	$15,782	$706,059
22	258	$17,075	$1,265	$15,810	$690,249
22	259	$17,075	$1,237	$15,839	$674,411
22	260	$17,075	$1,208	$15,867	$658,544
22	261	$17,075	$1,180	$15,895	$642,648
22	262	$17,075	$1,151	$15,924	$626,724
22	263	$17,075	$1,123	$15,952	$610,772
22	264	$17,075	$1,094	$15,981	$594,791
23	265	$17,075	$1,066	$16,010	$578,781
23	266	$17,075	$1,037	$16,038	$562,743
23	267	$17,075	$1,008	$16,067	$546,676
23	268	$17,075	$979	$16,096	$530,580
23	269	$17,075	$951	$16,125	$514,455
23	270	$17,075	$922	$16,154	$498,302
23	271	$17,075	$893	$16,183	$482,119
23	272	$17,075	$864	$16,212	$465,908
23	273	$17,075	$835	$16,241	$449,667
23	274	$17,075	$806	$16,270	$433,397
23	275	$17,075	$777	$16,299	$417,098
23	276	$17,075	$747	$16,328	$400,770
24	277	$17,075	$718	$16,357	$384,413
24	278	$17,075	$689	$16,387	$368,027
24	279	$17,075	$659	$16,416	$351,611
24	280	$17,075	$630	$16,445	$335,165
24	281	$17,075	$601	$16,475	$318,691
24	282	$17,075	$571	$16,504	$302,186
24	283	$17,075	$541	$16,534	$285,652
24	284	$17,075	$512	$16,564	$269,089
24	285	$17,075	$482	$16,593	$252,496
24	286	$17,075	$452	$16,623	$235,873
24	287	$17,075	$423	$16,653	$219,220
24	288	$17,075	$393	$16,683	$202,537
25	289	$17,075	$363	$16,712	$185,825
25	290	$17,075	$333	$16,742	$169,083
25	291	$17,075	$303	$16,772	$152,310
25	292	$17,075	$273	$16,802	$135,508
25	293	$17,075	$243	$16,833	$118,675
25	294	$17,075	$213	$16,863	$101,813
25	295	$17,075	$182	$16,893	$84,920
25	296	$17,075	$152	$16,923	$67,996
25	297	$17,075	$122	$16,953	$51,043
25	298	$17,075	$91	$16,984	$34,059
25	299	$17,075	$61	$17,014	$17,045
25	300	$17,075	$31	$17,045	$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$ 2,640,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,706,000

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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.