Century 21 Centaland Property

Down Payment (HKD)

$7,120,000

Monthly Repayment (HKD)

$46,052

Loan Amount (HKD)

$10,680,000

Total Interest (HKD)

$3,135,485

Total Repayment (HKD)

$13,815,485

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$46,052	$19,135	$26,917	$10,653,083
1	2	$46,052	$19,087	$26,965	$10,626,119
1	3	$46,052	$19,038	$27,013	$10,599,105
1	4	$46,052	$18,990	$27,062	$10,572,044
1	5	$46,052	$18,942	$27,110	$10,544,934
1	6	$46,052	$18,893	$27,159	$10,517,775
1	7	$46,052	$18,844	$27,207	$10,490,568
1	8	$46,052	$18,796	$27,256	$10,463,312
1	9	$46,052	$18,747	$27,305	$10,436,007
1	10	$46,052	$18,698	$27,354	$10,408,653
1	11	$46,052	$18,649	$27,403	$10,381,251
1	12	$46,052	$18,600	$27,452	$10,353,799
2	13	$46,052	$18,551	$27,501	$10,326,298
2	14	$46,052	$18,501	$27,550	$10,298,747
2	15	$46,052	$18,452	$27,600	$10,271,148
2	16	$46,052	$18,402	$27,649	$10,243,498
2	17	$46,052	$18,353	$27,699	$10,215,800
2	18	$46,052	$18,303	$27,748	$10,188,051
2	19	$46,052	$18,254	$27,798	$10,160,253
2	20	$46,052	$18,204	$27,848	$10,132,406
2	21	$46,052	$18,154	$27,898	$10,104,508
2	22	$46,052	$18,104	$27,948	$10,076,560
2	23	$46,052	$18,054	$27,998	$10,048,562
2	24	$46,052	$18,004	$28,048	$10,020,514
3	25	$46,052	$17,953	$28,098	$9,992,416
3	26	$46,052	$17,903	$28,149	$9,964,268
3	27	$46,052	$17,853	$28,199	$9,936,069
3	28	$46,052	$17,802	$28,249	$9,907,819
3	29	$46,052	$17,752	$28,300	$9,879,519
3	30	$46,052	$17,701	$28,351	$9,851,168
3	31	$46,052	$17,650	$28,402	$9,822,767
3	32	$46,052	$17,599	$28,452	$9,794,314
3	33	$46,052	$17,548	$28,503	$9,765,811
3	34	$46,052	$17,497	$28,555	$9,737,256
3	35	$46,052	$17,446	$28,606	$9,708,650
3	36	$46,052	$17,395	$28,657	$9,679,994
4	37	$46,052	$17,343	$28,708	$9,651,285
4	38	$46,052	$17,292	$28,760	$9,622,526
4	39	$46,052	$17,240	$28,811	$9,593,714
4	40	$46,052	$17,189	$28,863	$9,564,851
4	41	$46,052	$17,137	$28,915	$9,535,937
4	42	$46,052	$17,085	$28,966	$9,506,970
4	43	$46,052	$17,033	$29,018	$9,477,952
4	44	$46,052	$16,981	$29,070	$9,448,882
4	45	$46,052	$16,929	$29,122	$9,419,759
4	46	$46,052	$16,877	$29,175	$9,390,585
4	47	$46,052	$16,825	$29,227	$9,361,358
4	48	$46,052	$16,772	$29,279	$9,332,079
5	49	$46,052	$16,720	$29,332	$9,302,747
5	50	$46,052	$16,667	$29,384	$9,273,363
5	51	$46,052	$16,615	$29,437	$9,243,926
5	52	$46,052	$16,562	$29,490	$9,214,437
5	53	$46,052	$16,509	$29,542	$9,184,894
5	54	$46,052	$16,456	$29,595	$9,155,299
5	55	$46,052	$16,403	$29,648	$9,125,651
5	56	$46,052	$16,350	$29,701	$9,095,949
5	57	$46,052	$16,297	$29,755	$9,066,194
5	58	$46,052	$16,244	$29,808	$9,036,386
5	59	$46,052	$16,190	$29,861	$9,006,525
5	60	$46,052	$16,137	$29,915	$8,976,610
6	61	$46,052	$16,083	$29,969	$8,946,641
6	62	$46,052	$16,029	$30,022	$8,916,619
6	63	$46,052	$15,976	$30,076	$8,886,543
6	64	$46,052	$15,922	$30,130	$8,856,413
6	65	$46,052	$15,868	$30,184	$8,826,229
6	66	$46,052	$15,814	$30,238	$8,795,991
6	67	$46,052	$15,759	$30,292	$8,765,699
6	68	$46,052	$15,705	$30,346	$8,735,353
6	69	$46,052	$15,651	$30,401	$8,704,952
6	70	$46,052	$15,596	$30,455	$8,674,497
6	71	$46,052	$15,542	$30,510	$8,643,987
6	72	$46,052	$15,487	$30,564	$8,613,423
7	73	$46,052	$15,432	$30,619	$8,582,803
7	74	$46,052	$15,378	$30,674	$8,552,129
7	75	$46,052	$15,323	$30,729	$8,521,400
7	76	$46,052	$15,268	$30,784	$8,490,616
7	77	$46,052	$15,212	$30,839	$8,459,777
7	78	$46,052	$15,157	$30,895	$8,428,882
7	79	$46,052	$15,102	$30,950	$8,397,933
7	80	$46,052	$15,046	$31,005	$8,366,927
7	81	$46,052	$14,991	$31,061	$8,335,866
7	82	$46,052	$14,935	$31,117	$8,304,750
7	83	$46,052	$14,879	$31,172	$8,273,578
7	84	$46,052	$14,823	$31,228	$8,242,349
8	85	$46,052	$14,768	$31,284	$8,211,065
8	86	$46,052	$14,711	$31,340	$8,179,725
8	87	$46,052	$14,655	$31,396	$8,148,329
8	88	$46,052	$14,599	$31,453	$8,116,876
8	89	$46,052	$14,543	$31,509	$8,085,368
8	90	$46,052	$14,486	$31,565	$8,053,802
8	91	$46,052	$14,430	$31,622	$8,022,180
8	92	$46,052	$14,373	$31,679	$7,990,502
8	93	$46,052	$14,316	$31,735	$7,958,766
8	94	$46,052	$14,259	$31,792	$7,926,974
8	95	$46,052	$14,202	$31,849	$7,895,125
8	96	$46,052	$14,145	$31,906	$7,863,219
9	97	$46,052	$14,088	$31,963	$7,831,256
9	98	$46,052	$14,031	$32,021	$7,799,235
9	99	$46,052	$13,974	$32,078	$7,767,157
9	100	$46,052	$13,916	$32,135	$7,735,022
9	101	$46,052	$13,859	$32,193	$7,702,829
9	102	$46,052	$13,801	$32,251	$7,670,578
9	103	$46,052	$13,743	$32,308	$7,638,269
9	104	$46,052	$13,685	$32,366	$7,605,903
9	105	$46,052	$13,627	$32,424	$7,573,479
9	106	$46,052	$13,569	$32,482	$7,540,996
9	107	$46,052	$13,511	$32,541	$7,508,455
9	108	$46,052	$13,453	$32,599	$7,475,856
10	109	$46,052	$13,394	$32,657	$7,443,199
10	110	$46,052	$13,336	$32,716	$7,410,483
10	111	$46,052	$13,277	$32,775	$7,377,709
10	112	$46,052	$13,218	$32,833	$7,344,876
10	113	$46,052	$13,160	$32,892	$7,311,983
10	114	$46,052	$13,101	$32,951	$7,279,032
10	115	$46,052	$13,042	$33,010	$7,246,022
10	116	$46,052	$12,982	$33,069	$7,212,953
10	117	$46,052	$12,923	$33,128	$7,179,825
10	118	$46,052	$12,864	$33,188	$7,146,637
10	119	$46,052	$12,804	$33,247	$7,113,390
10	120	$46,052	$12,745	$33,307	$7,080,083
11	121	$46,052	$12,685	$33,366	$7,046,717
11	122	$46,052	$12,625	$33,426	$7,013,290
11	123	$46,052	$12,565	$33,486	$6,979,804
11	124	$46,052	$12,505	$33,546	$6,946,258
11	125	$46,052	$12,445	$33,606	$6,912,652
11	126	$46,052	$12,385	$33,666	$6,878,985
11	127	$46,052	$12,325	$33,727	$6,845,259
11	128	$46,052	$12,264	$33,787	$6,811,471
11	129	$46,052	$12,204	$33,848	$6,777,624
11	130	$46,052	$12,143	$33,908	$6,743,715
11	131	$46,052	$12,082	$33,969	$6,709,746
11	132	$46,052	$12,022	$34,030	$6,675,716
12	133	$46,052	$11,961	$34,091	$6,641,625
12	134	$46,052	$11,900	$34,152	$6,607,473
12	135	$46,052	$11,838	$34,213	$6,573,260
12	136	$46,052	$11,777	$34,275	$6,538,986
12	137	$46,052	$11,716	$34,336	$6,504,650
12	138	$46,052	$11,654	$34,397	$6,470,252
12	139	$46,052	$11,593	$34,459	$6,435,793
12	140	$46,052	$11,531	$34,521	$6,401,272
12	141	$46,052	$11,469	$34,583	$6,366,690
12	142	$46,052	$11,407	$34,645	$6,332,045
12	143	$46,052	$11,345	$34,707	$6,297,338
12	144	$46,052	$11,283	$34,769	$6,262,569
13	145	$46,052	$11,220	$34,831	$6,227,738
13	146	$46,052	$11,158	$34,894	$6,192,845
13	147	$46,052	$11,096	$34,956	$6,157,888
13	148	$46,052	$11,033	$35,019	$6,122,870
13	149	$46,052	$10,970	$35,081	$6,087,788
13	150	$46,052	$10,907	$35,144	$6,052,644
13	151	$46,052	$10,844	$35,207	$6,017,437
13	152	$46,052	$10,781	$35,270	$5,982,166
13	153	$46,052	$10,718	$35,334	$5,946,833
13	154	$46,052	$10,655	$35,397	$5,911,436
13	155	$46,052	$10,591	$35,460	$5,875,976
13	156	$46,052	$10,528	$35,524	$5,840,452
14	157	$46,052	$10,464	$35,587	$5,804,864
14	158	$46,052	$10,400	$35,651	$5,769,213
14	159	$46,052	$10,337	$35,715	$5,733,498
14	160	$46,052	$10,273	$35,779	$5,697,719
14	161	$46,052	$10,208	$35,843	$5,661,876
14	162	$46,052	$10,144	$35,907	$5,625,968
14	163	$46,052	$10,080	$35,972	$5,589,996
14	164	$46,052	$10,015	$36,036	$5,553,960
14	165	$46,052	$9,951	$36,101	$5,517,859
14	166	$46,052	$9,886	$36,165	$5,481,694
14	167	$46,052	$9,821	$36,230	$5,445,464
14	168	$46,052	$9,756	$36,295	$5,409,169
15	169	$46,052	$9,691	$36,360	$5,372,808
15	170	$46,052	$9,626	$36,425	$5,336,383
15	171	$46,052	$9,561	$36,491	$5,299,892
15	172	$46,052	$9,496	$36,556	$5,263,336
15	173	$46,052	$9,430	$36,621	$5,226,715
15	174	$46,052	$9,365	$36,687	$5,190,028
15	175	$46,052	$9,299	$36,753	$5,153,275
15	176	$46,052	$9,233	$36,819	$5,116,456
15	177	$46,052	$9,167	$36,885	$5,079,572
15	178	$46,052	$9,101	$36,951	$5,042,621
15	179	$46,052	$9,035	$37,017	$5,005,604
15	180	$46,052	$8,968	$37,083	$4,968,521
16	181	$46,052	$8,902	$37,150	$4,931,371
16	182	$46,052	$8,835	$37,216	$4,894,155
16	183	$46,052	$8,769	$37,283	$4,856,872
16	184	$46,052	$8,702	$37,350	$4,819,522
16	185	$46,052	$8,635	$37,417	$4,782,106
16	186	$46,052	$8,568	$37,484	$4,744,622
16	187	$46,052	$8,501	$37,551	$4,707,071
16	188	$46,052	$8,434	$37,618	$4,669,453
16	189	$46,052	$8,366	$37,686	$4,631,768
16	190	$46,052	$8,299	$37,753	$4,594,015
16	191	$46,052	$8,231	$37,821	$4,556,194
16	192	$46,052	$8,163	$37,888	$4,518,305
17	193	$46,052	$8,095	$37,956	$4,480,349
17	194	$46,052	$8,027	$38,024	$4,442,325
17	195	$46,052	$7,959	$38,092	$4,404,232
17	196	$46,052	$7,891	$38,161	$4,366,072
17	197	$46,052	$7,823	$38,229	$4,327,843
17	198	$46,052	$7,754	$38,298	$4,289,545
17	199	$46,052	$7,685	$38,366	$4,251,179
17	200	$46,052	$7,617	$38,435	$4,212,744
17	201	$46,052	$7,548	$38,504	$4,174,240
17	202	$46,052	$7,479	$38,573	$4,135,667
17	203	$46,052	$7,410	$38,642	$4,097,025
17	204	$46,052	$7,341	$38,711	$4,058,314
18	205	$46,052	$7,271	$38,780	$4,019,534
18	206	$46,052	$7,202	$38,850	$3,980,684
18	207	$46,052	$7,132	$38,920	$3,941,764
18	208	$46,052	$7,062	$38,989	$3,902,775
18	209	$46,052	$6,992	$39,059	$3,863,716
18	210	$46,052	$6,922	$39,129	$3,824,587
18	211	$46,052	$6,852	$39,199	$3,785,388
18	212	$46,052	$6,782	$39,269	$3,746,118
18	213	$46,052	$6,712	$39,340	$3,706,778
18	214	$46,052	$6,641	$39,410	$3,667,368
18	215	$46,052	$6,571	$39,481	$3,627,887
18	216	$46,052	$6,500	$39,552	$3,588,335
19	217	$46,052	$6,429	$39,623	$3,548,713
19	218	$46,052	$6,358	$39,694	$3,509,019
19	219	$46,052	$6,287	$39,765	$3,469,255
19	220	$46,052	$6,216	$39,836	$3,429,419
19	221	$46,052	$6,144	$39,907	$3,389,512
19	222	$46,052	$6,073	$39,979	$3,349,533
19	223	$46,052	$6,001	$40,050	$3,309,483
19	224	$46,052	$5,929	$40,122	$3,269,360
19	225	$46,052	$5,858	$40,194	$3,229,166
19	226	$46,052	$5,786	$40,266	$3,188,900
19	227	$46,052	$5,713	$40,338	$3,148,562
19	228	$46,052	$5,641	$40,410	$3,108,152
20	229	$46,052	$5,569	$40,483	$3,067,669
20	230	$46,052	$5,496	$40,555	$3,027,114
20	231	$46,052	$5,424	$40,628	$2,986,486
20	232	$46,052	$5,351	$40,701	$2,945,785
20	233	$46,052	$5,278	$40,774	$2,905,011
20	234	$46,052	$5,205	$40,847	$2,864,164
20	235	$46,052	$5,132	$40,920	$2,823,244
20	236	$46,052	$5,058	$40,993	$2,782,251
20	237	$46,052	$4,985	$41,067	$2,741,184
20	238	$46,052	$4,911	$41,140	$2,700,044
20	239	$46,052	$4,838	$41,214	$2,658,830
20	240	$46,052	$4,764	$41,288	$2,617,542
21	241	$46,052	$4,690	$41,362	$2,576,180
21	242	$46,052	$4,616	$41,436	$2,534,744
21	243	$46,052	$4,541	$41,510	$2,493,234
21	244	$46,052	$4,467	$41,585	$2,451,649
21	245	$46,052	$4,393	$41,659	$2,409,990
21	246	$46,052	$4,318	$41,734	$2,368,257
21	247	$46,052	$4,243	$41,808	$2,326,448
21	248	$46,052	$4,168	$41,883	$2,284,565
21	249	$46,052	$4,093	$41,958	$2,242,606
21	250	$46,052	$4,018	$42,034	$2,200,573
21	251	$46,052	$3,943	$42,109	$2,158,464
21	252	$46,052	$3,867	$42,184	$2,116,279
22	253	$46,052	$3,792	$42,260	$2,074,019
22	254	$46,052	$3,716	$42,336	$2,031,684
22	255	$46,052	$3,640	$42,412	$1,989,272
22	256	$46,052	$3,564	$42,488	$1,946,785
22	257	$46,052	$3,488	$42,564	$1,904,221
22	258	$46,052	$3,412	$42,640	$1,861,581
22	259	$46,052	$3,335	$42,716	$1,818,865
22	260	$46,052	$3,259	$42,793	$1,776,072
22	261	$46,052	$3,182	$42,869	$1,733,203
22	262	$46,052	$3,105	$42,946	$1,690,256
22	263	$46,052	$3,028	$43,023	$1,647,233
22	264	$46,052	$2,951	$43,100	$1,604,133
23	265	$46,052	$2,874	$43,178	$1,560,955
23	266	$46,052	$2,797	$43,255	$1,517,700
23	267	$46,052	$2,719	$43,332	$1,474,368
23	268	$46,052	$2,642	$43,410	$1,430,958
23	269	$46,052	$2,564	$43,488	$1,387,470
23	270	$46,052	$2,486	$43,566	$1,343,904
23	271	$46,052	$2,408	$43,644	$1,300,260
23	272	$46,052	$2,330	$43,722	$1,256,538
23	273	$46,052	$2,251	$43,800	$1,212,738
23	274	$46,052	$2,173	$43,879	$1,168,859
23	275	$46,052	$2,094	$43,957	$1,124,902
23	276	$46,052	$2,015	$44,036	$1,080,866
24	277	$46,052	$1,937	$44,115	$1,036,751
24	278	$46,052	$1,858	$44,194	$992,557
24	279	$46,052	$1,778	$44,273	$948,283
24	280	$46,052	$1,699	$44,353	$903,931
24	281	$46,052	$1,620	$44,432	$859,499
24	282	$46,052	$1,540	$44,512	$814,987
24	283	$46,052	$1,460	$44,591	$770,396
24	284	$46,052	$1,380	$44,671	$725,724
24	285	$46,052	$1,300	$44,751	$680,973
24	286	$46,052	$1,220	$44,832	$636,141
24	287	$46,052	$1,140	$44,912	$591,229
24	288	$46,052	$1,059	$44,992	$546,237
25	289	$46,052	$979	$45,073	$501,164
25	290	$46,052	$898	$45,154	$456,010
25	291	$46,052	$817	$45,235	$410,776
25	292	$46,052	$736	$45,316	$365,460
25	293	$46,052	$655	$45,397	$320,063
25	294	$46,052	$573	$45,478	$274,585
25	295	$46,052	$492	$45,560	$229,026
25	296	$46,052	$410	$45,641	$183,384
25	297	$46,052	$329	$45,723	$137,661
25	298	$46,052	$247	$45,805	$91,856
25	299	$46,052	$165	$45,887	$45,969
25	300	$46,052	$82	$45,969	$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$ 7,120,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 7,298,000

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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.