Century 21 Centaland Property

Down Payment (HKD)

$8,600,000

Monthly Repayment (HKD)

$55,624

Loan Amount (HKD)

$12,900,000

Total Interest (HKD)

$3,787,243

Total Repayment (HKD)

$16,687,243

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$55,624	$23,113	$32,512	$12,867,488
1	2	$55,624	$23,054	$32,570	$12,834,918
1	3	$55,624	$22,996	$32,628	$12,802,290
1	4	$55,624	$22,937	$32,687	$12,769,604
1	5	$55,624	$22,879	$32,745	$12,736,858
1	6	$55,624	$22,820	$32,804	$12,704,054
1	7	$55,624	$22,761	$32,863	$12,671,192
1	8	$55,624	$22,703	$32,922	$12,638,270
1	9	$55,624	$22,644	$32,981	$12,605,289
1	10	$55,624	$22,584	$33,040	$12,572,250
1	11	$55,624	$22,525	$33,099	$12,539,151
1	12	$55,624	$22,466	$33,158	$12,505,993
2	13	$55,624	$22,407	$33,218	$12,472,775
2	14	$55,624	$22,347	$33,277	$12,439,498
2	15	$55,624	$22,287	$33,337	$12,406,161
2	16	$55,624	$22,228	$33,396	$12,372,765
2	17	$55,624	$22,168	$33,456	$12,339,309
2	18	$55,624	$22,108	$33,516	$12,305,792
2	19	$55,624	$22,048	$33,576	$12,272,216
2	20	$55,624	$21,988	$33,636	$12,238,580
2	21	$55,624	$21,927	$33,697	$12,204,883
2	22	$55,624	$21,867	$33,757	$12,171,126
2	23	$55,624	$21,807	$33,818	$12,137,308
2	24	$55,624	$21,746	$33,878	$12,103,430
3	25	$55,624	$21,685	$33,939	$12,069,491
3	26	$55,624	$21,625	$34,000	$12,035,492
3	27	$55,624	$21,564	$34,061	$12,001,431
3	28	$55,624	$21,503	$34,122	$11,967,310
3	29	$55,624	$21,441	$34,183	$11,933,127
3	30	$55,624	$21,380	$34,244	$11,898,883
3	31	$55,624	$21,319	$34,305	$11,864,578
3	32	$55,624	$21,257	$34,367	$11,830,211
3	33	$55,624	$21,196	$34,428	$11,795,783
3	34	$55,624	$21,134	$34,490	$11,761,293
3	35	$55,624	$21,072	$34,552	$11,726,741
3	36	$55,624	$21,010	$34,614	$11,692,127
4	37	$55,624	$20,948	$34,676	$11,657,451
4	38	$55,624	$20,886	$34,738	$11,622,713
4	39	$55,624	$20,824	$34,800	$11,587,913
4	40	$55,624	$20,762	$34,862	$11,553,051
4	41	$55,624	$20,699	$34,925	$11,518,126
4	42	$55,624	$20,637	$34,988	$11,483,138
4	43	$55,624	$20,574	$35,050	$11,448,088
4	44	$55,624	$20,511	$35,113	$11,412,975
4	45	$55,624	$20,448	$35,176	$11,377,799
4	46	$55,624	$20,385	$35,239	$11,342,560
4	47	$55,624	$20,322	$35,302	$11,307,258
4	48	$55,624	$20,259	$35,365	$11,271,893
5	49	$55,624	$20,195	$35,429	$11,236,464
5	50	$55,624	$20,132	$35,492	$11,200,972
5	51	$55,624	$20,068	$35,556	$11,165,417
5	52	$55,624	$20,005	$35,619	$11,129,797
5	53	$55,624	$19,941	$35,683	$11,094,114
5	54	$55,624	$19,877	$35,747	$11,058,367
5	55	$55,624	$19,813	$35,811	$11,022,555
5	56	$55,624	$19,749	$35,875	$10,986,680
5	57	$55,624	$19,684	$35,940	$10,950,740
5	58	$55,624	$19,620	$36,004	$10,914,736
5	59	$55,624	$19,556	$36,069	$10,878,668
5	60	$55,624	$19,491	$36,133	$10,842,534
6	61	$55,624	$19,426	$36,198	$10,806,337
6	62	$55,624	$19,361	$36,263	$10,770,074
6	63	$55,624	$19,296	$36,328	$10,733,746
6	64	$55,624	$19,231	$36,393	$10,697,353
6	65	$55,624	$19,166	$36,458	$10,660,895
6	66	$55,624	$19,101	$36,523	$10,624,372
6	67	$55,624	$19,035	$36,589	$10,587,783
6	68	$55,624	$18,970	$36,654	$10,551,129
6	69	$55,624	$18,904	$36,720	$10,514,409
6	70	$55,624	$18,838	$36,786	$10,477,623
6	71	$55,624	$18,772	$36,852	$10,440,771
6	72	$55,624	$18,706	$36,918	$10,403,853
7	73	$55,624	$18,640	$36,984	$10,366,869
7	74	$55,624	$18,574	$37,050	$10,329,819
7	75	$55,624	$18,508	$37,117	$10,292,703
7	76	$55,624	$18,441	$37,183	$10,255,520
7	77	$55,624	$18,374	$37,250	$10,218,270
7	78	$55,624	$18,308	$37,316	$10,180,953
7	79	$55,624	$18,241	$37,383	$10,143,570
7	80	$55,624	$18,174	$37,450	$10,106,120
7	81	$55,624	$18,107	$37,517	$10,068,603
7	82	$55,624	$18,040	$37,585	$10,031,018
7	83	$55,624	$17,972	$37,652	$9,993,366
7	84	$55,624	$17,905	$37,719	$9,955,647
8	85	$55,624	$17,837	$37,787	$9,917,860
8	86	$55,624	$17,769	$37,855	$9,880,005
8	87	$55,624	$17,702	$37,922	$9,842,083
8	88	$55,624	$17,634	$37,990	$9,804,092
8	89	$55,624	$17,566	$38,058	$9,766,034
8	90	$55,624	$17,497	$38,127	$9,727,907
8	91	$55,624	$17,429	$38,195	$9,689,712
8	92	$55,624	$17,361	$38,263	$9,651,449
8	93	$55,624	$17,292	$38,332	$9,613,117
8	94	$55,624	$17,224	$38,401	$9,574,716
8	95	$55,624	$17,155	$38,469	$9,536,247
8	96	$55,624	$17,086	$38,538	$9,497,708
9	97	$55,624	$17,017	$38,607	$9,459,101
9	98	$55,624	$16,948	$38,677	$9,420,424
9	99	$55,624	$16,878	$38,746	$9,381,678
9	100	$55,624	$16,809	$38,815	$9,342,863
9	101	$55,624	$16,739	$38,885	$9,303,978
9	102	$55,624	$16,670	$38,955	$9,265,024
9	103	$55,624	$16,600	$39,024	$9,225,999
9	104	$55,624	$16,530	$39,094	$9,186,905
9	105	$55,624	$16,460	$39,164	$9,147,741
9	106	$55,624	$16,390	$39,234	$9,108,507
9	107	$55,624	$16,319	$39,305	$9,069,202
9	108	$55,624	$16,249	$39,375	$9,029,827
10	109	$55,624	$16,178	$39,446	$8,990,381
10	110	$55,624	$16,108	$39,516	$8,950,865
10	111	$55,624	$16,037	$39,587	$8,911,277
10	112	$55,624	$15,966	$39,658	$8,871,619
10	113	$55,624	$15,895	$39,729	$8,831,890
10	114	$55,624	$15,824	$39,800	$8,792,090
10	115	$55,624	$15,752	$39,872	$8,752,218
10	116	$55,624	$15,681	$39,943	$8,712,275
10	117	$55,624	$15,609	$40,015	$8,672,260
10	118	$55,624	$15,538	$40,086	$8,632,174
10	119	$55,624	$15,466	$40,158	$8,592,016
10	120	$55,624	$15,394	$40,230	$8,551,786
11	121	$55,624	$15,322	$40,302	$8,511,484
11	122	$55,624	$15,250	$40,374	$8,471,109
11	123	$55,624	$15,177	$40,447	$8,430,662
11	124	$55,624	$15,105	$40,519	$8,390,143
11	125	$55,624	$15,032	$40,592	$8,349,551
11	126	$55,624	$14,960	$40,665	$8,308,887
11	127	$55,624	$14,887	$40,737	$8,268,150
11	128	$55,624	$14,814	$40,810	$8,227,339
11	129	$55,624	$14,741	$40,883	$8,186,456
11	130	$55,624	$14,667	$40,957	$8,145,499
11	131	$55,624	$14,594	$41,030	$8,104,469
11	132	$55,624	$14,521	$41,104	$8,063,365
12	133	$55,624	$14,447	$41,177	$8,022,188
12	134	$55,624	$14,373	$41,251	$7,980,937
12	135	$55,624	$14,299	$41,325	$7,939,612
12	136	$55,624	$14,225	$41,399	$7,898,213
12	137	$55,624	$14,151	$41,473	$7,856,740
12	138	$55,624	$14,077	$41,547	$7,815,192
12	139	$55,624	$14,002	$41,622	$7,773,570
12	140	$55,624	$13,928	$41,696	$7,731,874
12	141	$55,624	$13,853	$41,771	$7,690,103
12	142	$55,624	$13,778	$41,846	$7,648,257
12	143	$55,624	$13,703	$41,921	$7,606,335
12	144	$55,624	$13,628	$41,996	$7,564,339
13	145	$55,624	$13,553	$42,071	$7,522,268
13	146	$55,624	$13,477	$42,147	$7,480,121
13	147	$55,624	$13,402	$42,222	$7,437,899
13	148	$55,624	$13,326	$42,298	$7,395,601
13	149	$55,624	$13,250	$42,374	$7,353,227
13	150	$55,624	$13,175	$42,450	$7,310,778
13	151	$55,624	$13,098	$42,526	$7,268,252
13	152	$55,624	$13,022	$42,602	$7,225,650
13	153	$55,624	$12,946	$42,678	$7,182,972
13	154	$55,624	$12,869	$42,755	$7,140,217
13	155	$55,624	$12,793	$42,831	$7,097,386
13	156	$55,624	$12,716	$42,908	$7,054,478
14	157	$55,624	$12,639	$42,985	$7,011,493
14	158	$55,624	$12,562	$43,062	$6,968,431
14	159	$55,624	$12,485	$43,139	$6,925,292
14	160	$55,624	$12,408	$43,216	$6,882,076
14	161	$55,624	$12,330	$43,294	$6,838,782
14	162	$55,624	$12,253	$43,371	$6,795,411
14	163	$55,624	$12,175	$43,449	$6,751,962
14	164	$55,624	$12,097	$43,527	$6,708,435
14	165	$55,624	$12,019	$43,605	$6,664,830
14	166	$55,624	$11,941	$43,683	$6,621,147
14	167	$55,624	$11,863	$43,761	$6,577,386
14	168	$55,624	$11,784	$43,840	$6,533,546
15	169	$55,624	$11,706	$43,918	$6,489,628
15	170	$55,624	$11,627	$43,997	$6,445,631
15	171	$55,624	$11,548	$44,076	$6,401,555
15	172	$55,624	$11,469	$44,155	$6,357,401
15	173	$55,624	$11,390	$44,234	$6,313,167
15	174	$55,624	$11,311	$44,313	$6,268,854
15	175	$55,624	$11,232	$44,392	$6,224,462
15	176	$55,624	$11,152	$44,472	$6,179,990
15	177	$55,624	$11,072	$44,552	$6,135,438
15	178	$55,624	$10,993	$44,631	$6,090,806
15	179	$55,624	$10,913	$44,711	$6,046,095
15	180	$55,624	$10,833	$44,792	$6,001,303
16	181	$55,624	$10,752	$44,872	$5,956,432
16	182	$55,624	$10,672	$44,952	$5,911,479
16	183	$55,624	$10,591	$45,033	$5,866,447
16	184	$55,624	$10,511	$45,113	$5,821,333
16	185	$55,624	$10,430	$45,194	$5,776,139
16	186	$55,624	$10,349	$45,275	$5,730,864
16	187	$55,624	$10,268	$45,356	$5,685,507
16	188	$55,624	$10,187	$45,438	$5,640,070
16	189	$55,624	$10,105	$45,519	$5,594,551
16	190	$55,624	$10,024	$45,601	$5,548,950
16	191	$55,624	$9,942	$45,682	$5,503,268
16	192	$55,624	$9,860	$45,764	$5,457,504
17	193	$55,624	$9,778	$45,846	$5,411,658
17	194	$55,624	$9,696	$45,928	$5,365,729
17	195	$55,624	$9,614	$46,011	$5,319,719
17	196	$55,624	$9,531	$46,093	$5,273,626
17	197	$55,624	$9,449	$46,176	$5,227,450
17	198	$55,624	$9,366	$46,258	$5,181,192
17	199	$55,624	$9,283	$46,341	$5,134,851
17	200	$55,624	$9,200	$46,424	$5,088,427
17	201	$55,624	$9,117	$46,507	$5,041,919
17	202	$55,624	$9,033	$46,591	$4,995,329
17	203	$55,624	$8,950	$46,674	$4,948,654
17	204	$55,624	$8,866	$46,758	$4,901,897
18	205	$55,624	$8,783	$46,842	$4,855,055
18	206	$55,624	$8,699	$46,926	$4,808,129
18	207	$55,624	$8,615	$47,010	$4,761,120
18	208	$55,624	$8,530	$47,094	$4,714,026
18	209	$55,624	$8,446	$47,178	$4,666,848
18	210	$55,624	$8,361	$47,263	$4,619,585
18	211	$55,624	$8,277	$47,347	$4,572,238
18	212	$55,624	$8,192	$47,432	$4,524,806
18	213	$55,624	$8,107	$47,517	$4,477,288
18	214	$55,624	$8,022	$47,602	$4,429,686
18	215	$55,624	$7,937	$47,688	$4,381,998
18	216	$55,624	$7,851	$47,773	$4,334,225
19	217	$55,624	$7,765	$47,859	$4,286,367
19	218	$55,624	$7,680	$47,944	$4,238,422
19	219	$55,624	$7,594	$48,030	$4,190,392
19	220	$55,624	$7,508	$48,116	$4,142,276
19	221	$55,624	$7,422	$48,203	$4,094,073
19	222	$55,624	$7,335	$48,289	$4,045,784
19	223	$55,624	$7,249	$48,375	$3,997,409
19	224	$55,624	$7,162	$48,462	$3,948,947
19	225	$55,624	$7,075	$48,549	$3,900,398
19	226	$55,624	$6,988	$48,636	$3,851,762
19	227	$55,624	$6,901	$48,723	$3,803,039
19	228	$55,624	$6,814	$48,810	$3,754,228
20	229	$55,624	$6,726	$48,898	$3,705,331
20	230	$55,624	$6,639	$48,985	$3,656,345
20	231	$55,624	$6,551	$49,073	$3,607,272
20	232	$55,624	$6,463	$49,161	$3,558,111
20	233	$55,624	$6,375	$49,249	$3,508,862
20	234	$55,624	$6,287	$49,337	$3,459,524
20	235	$55,624	$6,198	$49,426	$3,410,098
20	236	$55,624	$6,110	$49,514	$3,360,584
20	237	$55,624	$6,021	$49,603	$3,310,981
20	238	$55,624	$5,932	$49,692	$3,261,289
20	239	$55,624	$5,843	$49,781	$3,211,508
20	240	$55,624	$5,754	$49,870	$3,161,638
21	241	$55,624	$5,665	$49,960	$3,111,678
21	242	$55,624	$5,575	$50,049	$3,061,629
21	243	$55,624	$5,485	$50,139	$3,011,490
21	244	$55,624	$5,396	$50,229	$2,961,262
21	245	$55,624	$5,306	$50,319	$2,910,943
21	246	$55,624	$5,215	$50,409	$2,860,535
21	247	$55,624	$5,125	$50,499	$2,810,036
21	248	$55,624	$5,035	$50,589	$2,759,446
21	249	$55,624	$4,944	$50,680	$2,708,766
21	250	$55,624	$4,853	$50,771	$2,657,995
21	251	$55,624	$4,762	$50,862	$2,607,133
21	252	$55,624	$4,671	$50,953	$2,556,180
22	253	$55,624	$4,580	$51,044	$2,505,136
22	254	$55,624	$4,488	$51,136	$2,454,000
22	255	$55,624	$4,397	$51,227	$2,402,773
22	256	$55,624	$4,305	$51,319	$2,351,453
22	257	$55,624	$4,213	$51,411	$2,300,042
22	258	$55,624	$4,121	$51,503	$2,248,539
22	259	$55,624	$4,029	$51,596	$2,196,944
22	260	$55,624	$3,936	$51,688	$2,145,256
22	261	$55,624	$3,844	$51,781	$2,093,475
22	262	$55,624	$3,751	$51,873	$2,041,602
22	263	$55,624	$3,658	$51,966	$1,989,635
22	264	$55,624	$3,565	$52,059	$1,937,576
23	265	$55,624	$3,471	$52,153	$1,885,423
23	266	$55,624	$3,378	$52,246	$1,833,177
23	267	$55,624	$3,284	$52,340	$1,780,838
23	268	$55,624	$3,191	$52,433	$1,728,404
23	269	$55,624	$3,097	$52,527	$1,675,877
23	270	$55,624	$3,003	$52,622	$1,623,255
23	271	$55,624	$2,908	$52,716	$1,570,539
23	272	$55,624	$2,814	$52,810	$1,517,729
23	273	$55,624	$2,719	$52,905	$1,464,824
23	274	$55,624	$2,624	$53,000	$1,411,825
23	275	$55,624	$2,530	$53,095	$1,358,730
23	276	$55,624	$2,434	$53,190	$1,305,540
24	277	$55,624	$2,339	$53,285	$1,252,255
24	278	$55,624	$2,244	$53,381	$1,198,875
24	279	$55,624	$2,148	$53,476	$1,145,398
24	280	$55,624	$2,052	$53,572	$1,091,826
24	281	$55,624	$1,956	$53,668	$1,038,158
24	282	$55,624	$1,860	$53,764	$984,394
24	283	$55,624	$1,764	$53,860	$930,534
24	284	$55,624	$1,667	$53,957	$876,577
24	285	$55,624	$1,571	$54,054	$822,523
24	286	$55,624	$1,474	$54,150	$768,373
24	287	$55,624	$1,377	$54,247	$714,125
24	288	$55,624	$1,279	$54,345	$659,781
25	289	$55,624	$1,182	$54,442	$605,339
25	290	$55,624	$1,085	$54,540	$550,799
25	291	$55,624	$987	$54,637	$496,162
25	292	$55,624	$889	$54,735	$441,427
25	293	$55,624	$791	$54,833	$386,593
25	294	$55,624	$693	$54,931	$331,662
25	295	$55,624	$594	$55,030	$276,632
25	296	$55,624	$496	$55,129	$221,504
25	297	$55,624	$397	$55,227	$166,276
25	298	$55,624	$298	$55,326	$110,950
25	299	$55,624	$199	$55,425	$55,525
25	300	$55,624	$99	$55,525	$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$ 8,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 8,815,000

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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.