Century 21 Centaland Property

Down Payment (HKD)

$8,752,000

Monthly Repayment (HKD)

$56,607

Loan Amount (HKD)

$13,128,000

Total Interest (HKD)

$3,854,180

Total Repayment (HKD)

$16,982,180

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$56,607	$23,521	$33,086	$13,094,914
1	2	$56,607	$23,462	$33,146	$13,061,768
1	3	$56,607	$23,402	$33,205	$13,028,563
1	4	$56,607	$23,343	$33,264	$12,995,299
1	5	$56,607	$23,283	$33,324	$12,961,975
1	6	$56,607	$23,224	$33,384	$12,928,591
1	7	$56,607	$23,164	$33,444	$12,895,148
1	8	$56,607	$23,104	$33,503	$12,861,644
1	9	$56,607	$23,044	$33,563	$12,828,081
1	10	$56,607	$22,984	$33,624	$12,794,457
1	11	$56,607	$22,923	$33,684	$12,760,773
1	12	$56,607	$22,863	$33,744	$12,727,029
2	13	$56,607	$22,803	$33,805	$12,693,224
2	14	$56,607	$22,742	$33,865	$12,659,359
2	15	$56,607	$22,681	$33,926	$12,625,433
2	16	$56,607	$22,621	$33,987	$12,591,446
2	17	$56,607	$22,560	$34,048	$12,557,399
2	18	$56,607	$22,499	$34,109	$12,523,290
2	19	$56,607	$22,438	$34,170	$12,489,120
2	20	$56,607	$22,376	$34,231	$12,454,890
2	21	$56,607	$22,315	$34,292	$12,420,597
2	22	$56,607	$22,254	$34,354	$12,386,244
2	23	$56,607	$22,192	$34,415	$12,351,828
2	24	$56,607	$22,130	$34,477	$12,317,351
3	25	$56,607	$22,069	$34,539	$12,282,813
3	26	$56,607	$22,007	$34,601	$12,248,212
3	27	$56,607	$21,945	$34,663	$12,213,550
3	28	$56,607	$21,883	$34,725	$12,178,825
3	29	$56,607	$21,820	$34,787	$12,144,038
3	30	$56,607	$21,758	$34,849	$12,109,189
3	31	$56,607	$21,696	$34,912	$12,074,277
3	32	$56,607	$21,633	$34,974	$12,039,303
3	33	$56,607	$21,570	$35,037	$12,004,266
3	34	$56,607	$21,508	$35,100	$11,969,167
3	35	$56,607	$21,445	$35,163	$11,934,004
3	36	$56,607	$21,382	$35,226	$11,898,779
4	37	$56,607	$21,319	$35,289	$11,863,490
4	38	$56,607	$21,255	$35,352	$11,828,138
4	39	$56,607	$21,192	$35,415	$11,792,723
4	40	$56,607	$21,129	$35,479	$11,757,244
4	41	$56,607	$21,065	$35,542	$11,721,702
4	42	$56,607	$21,001	$35,606	$11,686,096
4	43	$56,607	$20,938	$35,670	$11,650,427
4	44	$56,607	$20,874	$35,734	$11,614,693
4	45	$56,607	$20,810	$35,798	$11,578,895
4	46	$56,607	$20,746	$35,862	$11,543,034
4	47	$56,607	$20,681	$35,926	$11,507,108
4	48	$56,607	$20,617	$35,990	$11,471,117
5	49	$56,607	$20,552	$36,055	$11,435,062
5	50	$56,607	$20,488	$36,119	$11,398,943
5	51	$56,607	$20,423	$36,184	$11,362,759
5	52	$56,607	$20,358	$36,249	$11,326,510
5	53	$56,607	$20,293	$36,314	$11,290,196
5	54	$56,607	$20,228	$36,379	$11,253,817
5	55	$56,607	$20,163	$36,444	$11,217,373
5	56	$56,607	$20,098	$36,509	$11,180,863
5	57	$56,607	$20,032	$36,575	$11,144,288
5	58	$56,607	$19,967	$36,640	$11,107,648
5	59	$56,607	$19,901	$36,706	$11,070,942
5	60	$56,607	$19,835	$36,772	$11,034,170
6	61	$56,607	$19,770	$36,838	$10,997,332
6	62	$56,607	$19,704	$36,904	$10,960,429
6	63	$56,607	$19,637	$36,970	$10,923,459
6	64	$56,607	$19,571	$37,036	$10,886,423
6	65	$56,607	$19,505	$37,102	$10,849,320
6	66	$56,607	$19,438	$37,169	$10,812,151
6	67	$56,607	$19,372	$37,235	$10,774,916
6	68	$56,607	$19,305	$37,302	$10,737,614
6	69	$56,607	$19,238	$37,369	$10,700,245
6	70	$56,607	$19,171	$37,436	$10,662,809
6	71	$56,607	$19,104	$37,503	$10,625,306
6	72	$56,607	$19,037	$37,570	$10,587,735
7	73	$56,607	$18,970	$37,638	$10,550,098
7	74	$56,607	$18,902	$37,705	$10,512,393
7	75	$56,607	$18,835	$37,773	$10,474,620
7	76	$56,607	$18,767	$37,840	$10,436,780
7	77	$56,607	$18,699	$37,908	$10,398,872
7	78	$56,607	$18,631	$37,976	$10,360,896
7	79	$56,607	$18,563	$38,044	$10,322,852
7	80	$56,607	$18,495	$38,112	$10,284,740
7	81	$56,607	$18,427	$38,180	$10,246,559
7	82	$56,607	$18,358	$38,249	$10,208,310
7	83	$56,607	$18,290	$38,317	$10,169,993
7	84	$56,607	$18,221	$38,386	$10,131,607
8	85	$56,607	$18,152	$38,455	$10,093,152
8	86	$56,607	$18,084	$38,524	$10,054,629
8	87	$56,607	$18,015	$38,593	$10,016,036
8	88	$56,607	$17,945	$38,662	$9,977,374
8	89	$56,607	$17,876	$38,731	$9,938,643
8	90	$56,607	$17,807	$38,801	$9,899,842
8	91	$56,607	$17,737	$38,870	$9,860,972
8	92	$56,607	$17,668	$38,940	$9,822,032
8	93	$56,607	$17,598	$39,009	$9,783,023
8	94	$56,607	$17,528	$39,079	$9,743,944
8	95	$56,607	$17,458	$39,149	$9,704,794
8	96	$56,607	$17,388	$39,220	$9,665,575
9	97	$56,607	$17,317	$39,290	$9,626,285
9	98	$56,607	$17,247	$39,360	$9,586,925
9	99	$56,607	$17,177	$39,431	$9,547,494
9	100	$56,607	$17,106	$39,501	$9,507,993
9	101	$56,607	$17,035	$39,572	$9,468,421
9	102	$56,607	$16,964	$39,643	$9,428,778
9	103	$56,607	$16,893	$39,714	$9,389,064
9	104	$56,607	$16,822	$39,785	$9,349,278
9	105	$56,607	$16,751	$39,856	$9,309,422
9	106	$56,607	$16,679	$39,928	$9,269,494
9	107	$56,607	$16,608	$39,999	$9,229,495
9	108	$56,607	$16,536	$40,071	$9,189,424
10	109	$56,607	$16,464	$40,143	$9,149,281
10	110	$56,607	$16,392	$40,215	$9,109,066
10	111	$56,607	$16,320	$40,287	$9,068,779
10	112	$56,607	$16,248	$40,359	$9,028,420
10	113	$56,607	$16,176	$40,431	$8,987,989
10	114	$56,607	$16,103	$40,504	$8,947,485
10	115	$56,607	$16,031	$40,576	$8,906,909
10	116	$56,607	$15,958	$40,649	$8,866,259
10	117	$56,607	$15,885	$40,722	$8,825,538
10	118	$56,607	$15,812	$40,795	$8,784,743
10	119	$56,607	$15,739	$40,868	$8,743,875
10	120	$56,607	$15,666	$40,941	$8,702,934
11	121	$56,607	$15,593	$41,015	$8,661,919
11	122	$56,607	$15,519	$41,088	$8,620,831
11	123	$56,607	$15,446	$41,162	$8,579,670
11	124	$56,607	$15,372	$41,235	$8,538,434
11	125	$56,607	$15,298	$41,309	$8,497,125
11	126	$56,607	$15,224	$41,383	$8,455,742
11	127	$56,607	$15,150	$41,457	$8,414,284
11	128	$56,607	$15,076	$41,532	$8,372,753
11	129	$56,607	$15,001	$41,606	$8,331,146
11	130	$56,607	$14,927	$41,681	$8,289,466
11	131	$56,607	$14,852	$41,755	$8,247,711
11	132	$56,607	$14,777	$41,830	$8,205,880
12	133	$56,607	$14,702	$41,905	$8,163,975
12	134	$56,607	$14,627	$41,980	$8,121,995
12	135	$56,607	$14,552	$42,055	$8,079,940
12	136	$56,607	$14,477	$42,131	$8,037,809
12	137	$56,607	$14,401	$42,206	$7,995,603
12	138	$56,607	$14,325	$42,282	$7,953,321
12	139	$56,607	$14,250	$42,358	$7,910,964
12	140	$56,607	$14,174	$42,433	$7,868,530
12	141	$56,607	$14,098	$42,509	$7,826,021
12	142	$56,607	$14,022	$42,586	$7,783,435
12	143	$56,607	$13,945	$42,662	$7,740,773
12	144	$56,607	$13,869	$42,738	$7,698,035
13	145	$56,607	$13,792	$42,815	$7,655,220
13	146	$56,607	$13,716	$42,892	$7,612,328
13	147	$56,607	$13,639	$42,969	$7,569,360
13	148	$56,607	$13,562	$43,045	$7,526,314
13	149	$56,607	$13,485	$43,123	$7,483,191
13	150	$56,607	$13,407	$43,200	$7,439,992
13	151	$56,607	$13,330	$43,277	$7,396,714
13	152	$56,607	$13,252	$43,355	$7,353,359
13	153	$56,607	$13,175	$43,432	$7,309,927
13	154	$56,607	$13,097	$43,510	$7,266,417
13	155	$56,607	$13,019	$43,588	$7,222,828
13	156	$56,607	$12,941	$43,666	$7,179,162
14	157	$56,607	$12,863	$43,745	$7,135,417
14	158	$56,607	$12,784	$43,823	$7,091,594
14	159	$56,607	$12,706	$43,901	$7,047,693
14	160	$56,607	$12,627	$43,980	$7,003,713
14	161	$56,607	$12,548	$44,059	$6,959,654
14	162	$56,607	$12,469	$44,138	$6,915,516
14	163	$56,607	$12,390	$44,217	$6,871,299
14	164	$56,607	$12,311	$44,296	$6,827,003
14	165	$56,607	$12,232	$44,376	$6,782,627
14	166	$56,607	$12,152	$44,455	$6,738,172
14	167	$56,607	$12,073	$44,535	$6,693,637
14	168	$56,607	$11,993	$44,615	$6,649,023
15	169	$56,607	$11,913	$44,694	$6,604,329
15	170	$56,607	$11,833	$44,775	$6,559,554
15	171	$56,607	$11,753	$44,855	$6,514,699
15	172	$56,607	$11,672	$44,935	$6,469,764
15	173	$56,607	$11,592	$45,016	$6,424,749
15	174	$56,607	$11,511	$45,096	$6,379,652
15	175	$56,607	$11,430	$45,177	$6,334,475
15	176	$56,607	$11,349	$45,258	$6,289,217
15	177	$56,607	$11,268	$45,339	$6,243,878
15	178	$56,607	$11,187	$45,420	$6,198,458
15	179	$56,607	$11,106	$45,502	$6,152,956
15	180	$56,607	$11,024	$45,583	$6,107,373
16	181	$56,607	$10,942	$45,665	$6,061,708
16	182	$56,607	$10,861	$45,747	$6,015,961
16	183	$56,607	$10,779	$45,829	$5,970,133
16	184	$56,607	$10,696	$45,911	$5,924,222
16	185	$56,607	$10,614	$45,993	$5,878,229
16	186	$56,607	$10,532	$46,075	$5,832,153
16	187	$56,607	$10,449	$46,158	$5,785,995
16	188	$56,607	$10,367	$46,241	$5,739,755
16	189	$56,607	$10,284	$46,324	$5,693,431
16	190	$56,607	$10,201	$46,407	$5,647,025
16	191	$56,607	$10,118	$46,490	$5,600,535
16	192	$56,607	$10,034	$46,573	$5,553,962
17	193	$56,607	$9,951	$46,656	$5,507,306
17	194	$56,607	$9,867	$46,740	$5,460,566
17	195	$56,607	$9,784	$46,824	$5,413,742
17	196	$56,607	$9,700	$46,908	$5,366,834
17	197	$56,607	$9,616	$46,992	$5,319,842
17	198	$56,607	$9,531	$47,076	$5,272,767
17	199	$56,607	$9,447	$47,160	$5,225,606
17	200	$56,607	$9,363	$47,245	$5,178,362
17	201	$56,607	$9,278	$47,329	$5,131,032
17	202	$56,607	$9,193	$47,414	$5,083,618
17	203	$56,607	$9,108	$47,499	$5,036,119
17	204	$56,607	$9,023	$47,584	$4,988,535
18	205	$56,607	$8,938	$47,669	$4,940,865
18	206	$56,607	$8,852	$47,755	$4,893,110
18	207	$56,607	$8,767	$47,840	$4,845,270
18	208	$56,607	$8,681	$47,926	$4,797,344
18	209	$56,607	$8,595	$48,012	$4,749,332
18	210	$56,607	$8,509	$48,098	$4,701,234
18	211	$56,607	$8,423	$48,184	$4,653,049
18	212	$56,607	$8,337	$48,271	$4,604,779
18	213	$56,607	$8,250	$48,357	$4,556,422
18	214	$56,607	$8,164	$48,444	$4,507,978
18	215	$56,607	$8,077	$48,530	$4,459,448
18	216	$56,607	$7,990	$48,617	$4,410,830
19	217	$56,607	$7,903	$48,705	$4,362,126
19	218	$56,607	$7,815	$48,792	$4,313,334
19	219	$56,607	$7,728	$48,879	$4,264,455
19	220	$56,607	$7,640	$48,967	$4,215,488
19	221	$56,607	$7,553	$49,055	$4,166,433
19	222	$56,607	$7,465	$49,142	$4,117,291
19	223	$56,607	$7,377	$49,230	$4,068,061
19	224	$56,607	$7,289	$49,319	$4,018,742
19	225	$56,607	$7,200	$49,407	$3,969,335
19	226	$56,607	$7,112	$49,496	$3,919,839
19	227	$56,607	$7,023	$49,584	$3,870,255
19	228	$56,607	$6,934	$49,673	$3,820,582
20	229	$56,607	$6,845	$49,762	$3,770,820
20	230	$56,607	$6,756	$49,851	$3,720,969
20	231	$56,607	$6,667	$49,941	$3,671,028
20	232	$56,607	$6,577	$50,030	$3,620,998
20	233	$56,607	$6,488	$50,120	$3,570,879
20	234	$56,607	$6,398	$50,209	$3,520,669
20	235	$56,607	$6,308	$50,299	$3,470,370
20	236	$56,607	$6,218	$50,390	$3,419,980
20	237	$56,607	$6,127	$50,480	$3,369,500
20	238	$56,607	$6,037	$50,570	$3,318,930
20	239	$56,607	$5,946	$50,661	$3,268,269
20	240	$56,607	$5,856	$50,752	$3,217,518
21	241	$56,607	$5,765	$50,843	$3,166,675
21	242	$56,607	$5,674	$50,934	$3,115,742
21	243	$56,607	$5,582	$51,025	$3,064,717
21	244	$56,607	$5,491	$51,116	$3,013,600
21	245	$56,607	$5,399	$51,208	$2,962,392
21	246	$56,607	$5,308	$51,300	$2,911,093
21	247	$56,607	$5,216	$51,392	$2,859,701
21	248	$56,607	$5,124	$51,484	$2,808,218
21	249	$56,607	$5,031	$51,576	$2,756,642
21	250	$56,607	$4,939	$51,668	$2,704,973
21	251	$56,607	$4,846	$51,761	$2,653,213
21	252	$56,607	$4,754	$51,854	$2,601,359
22	253	$56,607	$4,661	$51,946	$2,549,413
22	254	$56,607	$4,568	$52,040	$2,497,373
22	255	$56,607	$4,474	$52,133	$2,445,240
22	256	$56,607	$4,381	$52,226	$2,393,014
22	257	$56,607	$4,287	$52,320	$2,340,694
22	258	$56,607	$4,194	$52,414	$2,288,281
22	259	$56,607	$4,100	$52,507	$2,235,773
22	260	$56,607	$4,006	$52,602	$2,183,172
22	261	$56,607	$3,912	$52,696	$2,130,476
22	262	$56,607	$3,817	$52,790	$2,077,686
22	263	$56,607	$3,723	$52,885	$2,024,801
22	264	$56,607	$3,628	$52,979	$1,971,822
23	265	$56,607	$3,533	$53,074	$1,918,747
23	266	$56,607	$3,438	$53,170	$1,865,578
23	267	$56,607	$3,342	$53,265	$1,812,313
23	268	$56,607	$3,247	$53,360	$1,758,953
23	269	$56,607	$3,151	$53,456	$1,705,497
23	270	$56,607	$3,056	$53,552	$1,651,945
23	271	$56,607	$2,960	$53,648	$1,598,298
23	272	$56,607	$2,864	$53,744	$1,544,554
23	273	$56,607	$2,767	$53,840	$1,490,714
23	274	$56,607	$2,671	$53,936	$1,436,778
23	275	$56,607	$2,574	$54,033	$1,382,745
23	276	$56,607	$2,477	$54,130	$1,328,615
24	277	$56,607	$2,380	$54,227	$1,274,388
24	278	$56,607	$2,283	$54,324	$1,220,064
24	279	$56,607	$2,186	$54,421	$1,165,643
24	280	$56,607	$2,088	$54,519	$1,111,124
24	281	$56,607	$1,991	$54,617	$1,056,507
24	282	$56,607	$1,893	$54,714	$1,001,793
24	283	$56,607	$1,795	$54,812	$946,981
24	284	$56,607	$1,697	$54,911	$892,070
24	285	$56,607	$1,598	$55,009	$837,061
24	286	$56,607	$1,500	$55,108	$781,953
24	287	$56,607	$1,401	$55,206	$726,747
24	288	$56,607	$1,302	$55,305	$671,442
25	289	$56,607	$1,203	$55,404	$616,038
25	290	$56,607	$1,104	$55,504	$560,534
25	291	$56,607	$1,004	$55,603	$504,931
25	292	$56,607	$905	$55,703	$449,229
25	293	$56,607	$805	$55,802	$393,426
25	294	$56,607	$705	$55,902	$337,524
25	295	$56,607	$605	$56,003	$281,521
25	296	$56,607	$504	$56,103	$225,418
25	297	$56,607	$404	$56,203	$169,215
25	298	$56,607	$303	$56,304	$112,911
25	299	$56,607	$202	$56,405	$56,506
25	300	$56,607	$101	$56,506	$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$ 8,752,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 8,970,800

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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.