Century 21 Centaland Property

Down Payment (HKD)

$3,400,000

Monthly Repayment (HKD)

$21,991

Loan Amount (HKD)

$5,100,000

Total Interest (HKD)

$1,497,282

Total Repayment (HKD)

$6,597,282

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$21,991	$9,138	$12,853	$5,087,147
1	2	$21,991	$9,114	$12,876	$5,074,270
1	3	$21,991	$9,091	$12,900	$5,061,371
1	4	$21,991	$9,068	$12,923	$5,048,448
1	5	$21,991	$9,045	$12,946	$5,035,502
1	6	$21,991	$9,022	$12,969	$5,022,533
1	7	$21,991	$8,999	$12,992	$5,009,541
1	8	$21,991	$8,975	$13,016	$4,996,525
1	9	$21,991	$8,952	$13,039	$4,983,487
1	10	$21,991	$8,929	$13,062	$4,970,424
1	11	$21,991	$8,905	$13,086	$4,957,339
1	12	$21,991	$8,882	$13,109	$4,944,230
2	13	$21,991	$8,858	$13,133	$4,931,097
2	14	$21,991	$8,835	$13,156	$4,917,941
2	15	$21,991	$8,811	$13,180	$4,904,761
2	16	$21,991	$8,788	$13,203	$4,891,558
2	17	$21,991	$8,764	$13,227	$4,878,331
2	18	$21,991	$8,740	$13,251	$4,865,081
2	19	$21,991	$8,717	$13,274	$4,851,806
2	20	$21,991	$8,693	$13,298	$4,838,508
2	21	$21,991	$8,669	$13,322	$4,825,186
2	22	$21,991	$8,645	$13,346	$4,811,841
2	23	$21,991	$8,621	$13,370	$4,798,471
2	24	$21,991	$8,597	$13,394	$4,785,077
3	25	$21,991	$8,573	$13,418	$4,771,659
3	26	$21,991	$8,549	$13,442	$4,758,218
3	27	$21,991	$8,525	$13,466	$4,744,752
3	28	$21,991	$8,501	$13,490	$4,731,262
3	29	$21,991	$8,477	$13,514	$4,717,748
3	30	$21,991	$8,453	$13,538	$4,704,210
3	31	$21,991	$8,428	$13,563	$4,690,647
3	32	$21,991	$8,404	$13,587	$4,677,060
3	33	$21,991	$8,380	$13,611	$4,663,449
3	34	$21,991	$8,355	$13,636	$4,649,813
3	35	$21,991	$8,331	$13,660	$4,636,153
3	36	$21,991	$8,306	$13,684	$4,622,469
4	37	$21,991	$8,282	$13,709	$4,608,760
4	38	$21,991	$8,257	$13,734	$4,595,026
4	39	$21,991	$8,233	$13,758	$4,581,268
4	40	$21,991	$8,208	$13,783	$4,567,485
4	41	$21,991	$8,183	$13,808	$4,553,678
4	42	$21,991	$8,159	$13,832	$4,539,845
4	43	$21,991	$8,134	$13,857	$4,525,988
4	44	$21,991	$8,109	$13,882	$4,512,106
4	45	$21,991	$8,084	$13,907	$4,498,200
4	46	$21,991	$8,059	$13,932	$4,484,268
4	47	$21,991	$8,034	$13,957	$4,470,311
4	48	$21,991	$8,009	$13,982	$4,456,330
5	49	$21,991	$7,984	$14,007	$4,442,323
5	50	$21,991	$7,959	$14,032	$4,428,291
5	51	$21,991	$7,934	$14,057	$4,414,234
5	52	$21,991	$7,909	$14,082	$4,400,152
5	53	$21,991	$7,884	$14,107	$4,386,045
5	54	$21,991	$7,858	$14,133	$4,371,912
5	55	$21,991	$7,833	$14,158	$4,357,754
5	56	$21,991	$7,808	$14,183	$4,343,571
5	57	$21,991	$7,782	$14,209	$4,329,362
5	58	$21,991	$7,757	$14,234	$4,315,128
5	59	$21,991	$7,731	$14,260	$4,300,869
5	60	$21,991	$7,706	$14,285	$4,286,583
6	61	$21,991	$7,680	$14,311	$4,272,273
6	62	$21,991	$7,654	$14,336	$4,257,936
6	63	$21,991	$7,629	$14,362	$4,243,574
6	64	$21,991	$7,603	$14,388	$4,229,186
6	65	$21,991	$7,577	$14,414	$4,214,772
6	66	$21,991	$7,551	$14,439	$4,200,333
6	67	$21,991	$7,526	$14,465	$4,185,868
6	68	$21,991	$7,500	$14,491	$4,171,376
6	69	$21,991	$7,474	$14,517	$4,156,859
6	70	$21,991	$7,448	$14,543	$4,142,316
6	71	$21,991	$7,422	$14,569	$4,127,747
6	72	$21,991	$7,396	$14,595	$4,113,151
7	73	$21,991	$7,369	$14,622	$4,098,530
7	74	$21,991	$7,343	$14,648	$4,083,882
7	75	$21,991	$7,317	$14,674	$4,069,208
7	76	$21,991	$7,291	$14,700	$4,054,508
7	77	$21,991	$7,264	$14,727	$4,039,781
7	78	$21,991	$7,238	$14,753	$4,025,028
7	79	$21,991	$7,212	$14,779	$4,010,249
7	80	$21,991	$7,185	$14,806	$3,995,443
7	81	$21,991	$7,159	$14,832	$3,980,610
7	82	$21,991	$7,132	$14,859	$3,965,751
7	83	$21,991	$7,105	$14,886	$3,950,866
7	84	$21,991	$7,079	$14,912	$3,935,953
8	85	$21,991	$7,052	$14,939	$3,921,014
8	86	$21,991	$7,025	$14,966	$3,906,049
8	87	$21,991	$6,998	$14,993	$3,891,056
8	88	$21,991	$6,971	$15,019	$3,876,036
8	89	$21,991	$6,945	$15,046	$3,860,990
8	90	$21,991	$6,918	$15,073	$3,845,917
8	91	$21,991	$6,891	$15,100	$3,830,816
8	92	$21,991	$6,864	$15,127	$3,815,689
8	93	$21,991	$6,836	$15,154	$3,800,535
8	94	$21,991	$6,809	$15,182	$3,785,353
8	95	$21,991	$6,782	$15,209	$3,770,144
8	96	$21,991	$6,755	$15,236	$3,754,908
9	97	$21,991	$6,728	$15,263	$3,739,645
9	98	$21,991	$6,700	$15,291	$3,724,354
9	99	$21,991	$6,673	$15,318	$3,709,036
9	100	$21,991	$6,645	$15,346	$3,693,690
9	101	$21,991	$6,618	$15,373	$3,678,317
9	102	$21,991	$6,590	$15,401	$3,662,916
9	103	$21,991	$6,563	$15,428	$3,647,488
9	104	$21,991	$6,535	$15,456	$3,632,032
9	105	$21,991	$6,507	$15,484	$3,616,549
9	106	$21,991	$6,480	$15,511	$3,601,037
9	107	$21,991	$6,452	$15,539	$3,585,498
9	108	$21,991	$6,424	$15,567	$3,569,931
10	109	$21,991	$6,396	$15,595	$3,554,337
10	110	$21,991	$6,368	$15,623	$3,538,714
10	111	$21,991	$6,340	$15,651	$3,523,063
10	112	$21,991	$6,312	$15,679	$3,507,384
10	113	$21,991	$6,284	$15,707	$3,491,677
10	114	$21,991	$6,256	$15,735	$3,475,942
10	115	$21,991	$6,228	$15,763	$3,460,179
10	116	$21,991	$6,199	$15,791	$3,444,388
10	117	$21,991	$6,171	$15,820	$3,428,568
10	118	$21,991	$6,143	$15,848	$3,412,720
10	119	$21,991	$6,114	$15,876	$3,396,843
10	120	$21,991	$6,086	$15,905	$3,380,939
11	121	$21,991	$6,058	$15,933	$3,365,005
11	122	$21,991	$6,029	$15,962	$3,349,043
11	123	$21,991	$6,000	$15,991	$3,333,053
11	124	$21,991	$5,972	$16,019	$3,317,033
11	125	$21,991	$5,943	$16,048	$3,300,985
11	126	$21,991	$5,914	$16,077	$3,284,909
11	127	$21,991	$5,885	$16,105	$3,268,803
11	128	$21,991	$5,857	$16,134	$3,252,669
11	129	$21,991	$5,828	$16,163	$3,236,506
11	130	$21,991	$5,799	$16,192	$3,220,314
11	131	$21,991	$5,770	$16,221	$3,204,092
11	132	$21,991	$5,741	$16,250	$3,187,842
12	133	$21,991	$5,712	$16,279	$3,171,563
12	134	$21,991	$5,682	$16,309	$3,155,254
12	135	$21,991	$5,653	$16,338	$3,138,916
12	136	$21,991	$5,624	$16,367	$3,122,549
12	137	$21,991	$5,595	$16,396	$3,106,153
12	138	$21,991	$5,565	$16,426	$3,089,727
12	139	$21,991	$5,536	$16,455	$3,073,272
12	140	$21,991	$5,506	$16,485	$3,056,787
12	141	$21,991	$5,477	$16,514	$3,040,273
12	142	$21,991	$5,447	$16,544	$3,023,729
12	143	$21,991	$5,418	$16,573	$3,007,156
12	144	$21,991	$5,388	$16,603	$2,990,553
13	145	$21,991	$5,358	$16,633	$2,973,920
13	146	$21,991	$5,328	$16,663	$2,957,257
13	147	$21,991	$5,298	$16,693	$2,940,565
13	148	$21,991	$5,269	$16,722	$2,923,842
13	149	$21,991	$5,239	$16,752	$2,907,090
13	150	$21,991	$5,209	$16,782	$2,890,307
13	151	$21,991	$5,178	$16,812	$2,873,495
13	152	$21,991	$5,148	$16,843	$2,856,652
13	153	$21,991	$5,118	$16,873	$2,839,780
13	154	$21,991	$5,088	$16,903	$2,822,877
13	155	$21,991	$5,058	$16,933	$2,805,943
13	156	$21,991	$5,027	$16,964	$2,788,980
14	157	$21,991	$4,997	$16,994	$2,771,986
14	158	$21,991	$4,966	$17,024	$2,754,961
14	159	$21,991	$4,936	$17,055	$2,737,906
14	160	$21,991	$4,905	$17,086	$2,720,821
14	161	$21,991	$4,875	$17,116	$2,703,705
14	162	$21,991	$4,844	$17,147	$2,686,558
14	163	$21,991	$4,813	$17,178	$2,669,380
14	164	$21,991	$4,783	$17,208	$2,652,172
14	165	$21,991	$4,752	$17,239	$2,634,933
14	166	$21,991	$4,721	$17,270	$2,617,663
14	167	$21,991	$4,690	$17,301	$2,600,362
14	168	$21,991	$4,659	$17,332	$2,583,030
15	169	$21,991	$4,628	$17,363	$2,565,667
15	170	$21,991	$4,597	$17,394	$2,548,273
15	171	$21,991	$4,566	$17,425	$2,530,848
15	172	$21,991	$4,534	$17,457	$2,513,391
15	173	$21,991	$4,503	$17,488	$2,495,903
15	174	$21,991	$4,472	$17,519	$2,478,384
15	175	$21,991	$4,440	$17,551	$2,460,834
15	176	$21,991	$4,409	$17,582	$2,443,252
15	177	$21,991	$4,377	$17,613	$2,425,638
15	178	$21,991	$4,346	$17,645	$2,407,993
15	179	$21,991	$4,314	$17,677	$2,390,317
15	180	$21,991	$4,283	$17,708	$2,372,608
16	181	$21,991	$4,251	$17,740	$2,354,868
16	182	$21,991	$4,219	$17,772	$2,337,096
16	183	$21,991	$4,187	$17,804	$2,319,293
16	184	$21,991	$4,155	$17,836	$2,301,457
16	185	$21,991	$4,123	$17,867	$2,283,590
16	186	$21,991	$4,091	$17,900	$2,265,690
16	187	$21,991	$4,059	$17,932	$2,247,759
16	188	$21,991	$4,027	$17,964	$2,229,795
16	189	$21,991	$3,995	$17,996	$2,211,799
16	190	$21,991	$3,963	$18,028	$2,193,771
16	191	$21,991	$3,931	$18,060	$2,175,711
16	192	$21,991	$3,898	$18,093	$2,157,618
17	193	$21,991	$3,866	$18,125	$2,139,493
17	194	$21,991	$3,833	$18,158	$2,121,335
17	195	$21,991	$3,801	$18,190	$2,103,145
17	196	$21,991	$3,768	$18,223	$2,084,922
17	197	$21,991	$3,735	$18,255	$2,066,666
17	198	$21,991	$3,703	$18,288	$2,048,378
17	199	$21,991	$3,670	$18,321	$2,030,057
17	200	$21,991	$3,637	$18,354	$2,011,704
17	201	$21,991	$3,604	$18,387	$1,993,317
17	202	$21,991	$3,571	$18,420	$1,974,897
17	203	$21,991	$3,538	$18,453	$1,956,445
17	204	$21,991	$3,505	$18,486	$1,937,959
18	205	$21,991	$3,472	$18,519	$1,919,440
18	206	$21,991	$3,439	$18,552	$1,900,888
18	207	$21,991	$3,406	$18,585	$1,882,303
18	208	$21,991	$3,372	$18,618	$1,863,685
18	209	$21,991	$3,339	$18,652	$1,845,033
18	210	$21,991	$3,306	$18,685	$1,826,348
18	211	$21,991	$3,272	$18,719	$1,807,629
18	212	$21,991	$3,239	$18,752	$1,788,877
18	213	$21,991	$3,205	$18,786	$1,770,091
18	214	$21,991	$3,171	$18,820	$1,751,271
18	215	$21,991	$3,138	$18,853	$1,732,418
18	216	$21,991	$3,104	$18,887	$1,713,531
19	217	$21,991	$3,070	$18,921	$1,694,610
19	218	$21,991	$3,036	$18,955	$1,675,655
19	219	$21,991	$3,002	$18,989	$1,656,667
19	220	$21,991	$2,968	$19,023	$1,637,644
19	221	$21,991	$2,934	$19,057	$1,618,587
19	222	$21,991	$2,900	$19,091	$1,599,496
19	223	$21,991	$2,866	$19,125	$1,580,371
19	224	$21,991	$2,831	$19,159	$1,561,211
19	225	$21,991	$2,797	$19,194	$1,542,018
19	226	$21,991	$2,763	$19,228	$1,522,790
19	227	$21,991	$2,728	$19,263	$1,503,527
19	228	$21,991	$2,694	$19,297	$1,484,230
20	229	$21,991	$2,659	$19,332	$1,464,898
20	230	$21,991	$2,625	$19,366	$1,445,532
20	231	$21,991	$2,590	$19,401	$1,426,131
20	232	$21,991	$2,555	$19,436	$1,406,695
20	233	$21,991	$2,520	$19,471	$1,387,224
20	234	$21,991	$2,485	$19,505	$1,367,719
20	235	$21,991	$2,450	$19,540	$1,348,178
20	236	$21,991	$2,415	$19,575	$1,328,603
20	237	$21,991	$2,380	$19,611	$1,308,992
20	238	$21,991	$2,345	$19,646	$1,289,347
20	239	$21,991	$2,310	$19,681	$1,269,666
20	240	$21,991	$2,275	$19,716	$1,249,950
21	241	$21,991	$2,239	$19,751	$1,230,198
21	242	$21,991	$2,204	$19,787	$1,210,411
21	243	$21,991	$2,169	$19,822	$1,190,589
21	244	$21,991	$2,133	$19,858	$1,170,731
21	245	$21,991	$2,098	$19,893	$1,150,838
21	246	$21,991	$2,062	$19,929	$1,130,909
21	247	$21,991	$2,026	$19,965	$1,110,944
21	248	$21,991	$1,990	$20,000	$1,090,944
21	249	$21,991	$1,955	$20,036	$1,070,907
21	250	$21,991	$1,919	$20,072	$1,050,835
21	251	$21,991	$1,883	$20,108	$1,030,727
21	252	$21,991	$1,847	$20,144	$1,010,583
22	253	$21,991	$1,811	$20,180	$990,402
22	254	$21,991	$1,774	$20,216	$970,186
22	255	$21,991	$1,738	$20,253	$949,933
22	256	$21,991	$1,702	$20,289	$929,644
22	257	$21,991	$1,666	$20,325	$909,319
22	258	$21,991	$1,629	$20,362	$888,957
22	259	$21,991	$1,593	$20,398	$868,559
22	260	$21,991	$1,556	$20,435	$848,124
22	261	$21,991	$1,520	$20,471	$827,653
22	262	$21,991	$1,483	$20,508	$807,145
22	263	$21,991	$1,446	$20,545	$786,600
22	264	$21,991	$1,409	$20,582	$766,018
23	265	$21,991	$1,372	$20,618	$745,400
23	266	$21,991	$1,336	$20,655	$724,744
23	267	$21,991	$1,299	$20,692	$704,052
23	268	$21,991	$1,261	$20,730	$683,323
23	269	$21,991	$1,224	$20,767	$662,556
23	270	$21,991	$1,187	$20,804	$641,752
23	271	$21,991	$1,150	$20,841	$620,911
23	272	$21,991	$1,112	$20,878	$600,032
23	273	$21,991	$1,075	$20,916	$579,117
23	274	$21,991	$1,038	$20,953	$558,163
23	275	$21,991	$1,000	$20,991	$537,172
23	276	$21,991	$962	$21,029	$516,144
24	277	$21,991	$925	$21,066	$495,078
24	278	$21,991	$887	$21,104	$473,974
24	279	$21,991	$849	$21,142	$452,832
24	280	$21,991	$811	$21,180	$431,652
24	281	$21,991	$773	$21,218	$410,435
24	282	$21,991	$735	$21,256	$389,179
24	283	$21,991	$697	$21,294	$367,886
24	284	$21,991	$659	$21,332	$346,554
24	285	$21,991	$621	$21,370	$325,184
24	286	$21,991	$583	$21,408	$303,775
24	287	$21,991	$544	$21,447	$282,329
24	288	$21,991	$506	$21,485	$260,844
25	289	$21,991	$467	$21,524	$239,320
25	290	$21,991	$429	$21,562	$217,758
25	291	$21,991	$390	$21,601	$196,157
25	292	$21,991	$351	$21,639	$174,518
25	293	$21,991	$313	$21,678	$152,839
25	294	$21,991	$274	$21,717	$131,122
25	295	$21,991	$235	$21,756	$109,366
25	296	$21,991	$196	$21,795	$87,571
25	297	$21,991	$157	$21,834	$65,737
25	298	$21,991	$118	$21,873	$43,864
25	299	$21,991	$79	$21,912	$21,952
25	300	$21,991	$39	$21,952	$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$ 3,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,485,000

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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.