Century 21 Centaland Property

Down Payment (HKD)

$6,400,000

Monthly Repayment (HKD)

$41,395

Loan Amount (HKD)

$9,600,000

Total Interest (HKD)

$2,818,413

Total Repayment (HKD)

$12,418,413

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$41,395	$17,200	$24,195	$9,575,805
1	2	$41,395	$17,157	$24,238	$9,551,567
1	3	$41,395	$17,113	$24,281	$9,527,286
1	4	$41,395	$17,070	$24,325	$9,502,961
1	5	$41,395	$17,026	$24,369	$9,478,592
1	6	$41,395	$16,982	$24,412	$9,454,180
1	7	$41,395	$16,939	$24,456	$9,429,724
1	8	$41,395	$16,895	$24,500	$9,405,224
1	9	$41,395	$16,851	$24,544	$9,380,681
1	10	$41,395	$16,807	$24,588	$9,356,093
1	11	$41,395	$16,763	$24,632	$9,331,461
1	12	$41,395	$16,719	$24,676	$9,306,785
2	13	$41,395	$16,675	$24,720	$9,282,065
2	14	$41,395	$16,630	$24,764	$9,257,301
2	15	$41,395	$16,586	$24,809	$9,232,492
2	16	$41,395	$16,542	$24,853	$9,207,639
2	17	$41,395	$16,497	$24,898	$9,182,741
2	18	$41,395	$16,452	$24,942	$9,157,799
2	19	$41,395	$16,408	$24,987	$9,132,812
2	20	$41,395	$16,363	$25,032	$9,107,780
2	21	$41,395	$16,318	$25,077	$9,082,704
2	22	$41,395	$16,273	$25,122	$9,057,582
2	23	$41,395	$16,228	$25,167	$9,032,416
2	24	$41,395	$16,183	$25,212	$9,007,204
3	25	$41,395	$16,138	$25,257	$8,981,947
3	26	$41,395	$16,093	$25,302	$8,956,645
3	27	$41,395	$16,047	$25,347	$8,931,298
3	28	$41,395	$16,002	$25,393	$8,905,905
3	29	$41,395	$15,956	$25,438	$8,880,467
3	30	$41,395	$15,911	$25,484	$8,854,983
3	31	$41,395	$15,865	$25,530	$8,829,453
3	32	$41,395	$15,819	$25,575	$8,803,878
3	33	$41,395	$15,774	$25,621	$8,778,257
3	34	$41,395	$15,728	$25,667	$8,752,590
3	35	$41,395	$15,682	$25,713	$8,726,877
3	36	$41,395	$15,636	$25,759	$8,701,118
4	37	$41,395	$15,590	$25,805	$8,675,313
4	38	$41,395	$15,543	$25,851	$8,649,461
4	39	$41,395	$15,497	$25,898	$8,623,563
4	40	$41,395	$15,451	$25,944	$8,597,619
4	41	$41,395	$15,404	$25,991	$8,571,629
4	42	$41,395	$15,358	$26,037	$8,545,591
4	43	$41,395	$15,311	$26,084	$8,519,508
4	44	$41,395	$15,264	$26,131	$8,493,377
4	45	$41,395	$15,217	$26,177	$8,467,200
4	46	$41,395	$15,170	$26,224	$8,440,975
4	47	$41,395	$15,123	$26,271	$8,414,704
4	48	$41,395	$15,076	$26,318	$8,388,386
5	49	$41,395	$15,029	$26,366	$8,362,020
5	50	$41,395	$14,982	$26,413	$8,335,607
5	51	$41,395	$14,935	$26,460	$8,309,147
5	52	$41,395	$14,887	$26,507	$8,282,640
5	53	$41,395	$14,840	$26,555	$8,256,085
5	54	$41,395	$14,792	$26,603	$8,229,482
5	55	$41,395	$14,744	$26,650	$8,202,832
5	56	$41,395	$14,697	$26,698	$8,176,134
5	57	$41,395	$14,649	$26,746	$8,149,388
5	58	$41,395	$14,601	$26,794	$8,122,594
5	59	$41,395	$14,553	$26,842	$8,095,753
5	60	$41,395	$14,505	$26,890	$8,068,863
6	61	$41,395	$14,457	$26,938	$8,041,925
6	62	$41,395	$14,408	$26,986	$8,014,939
6	63	$41,395	$14,360	$27,035	$7,987,904
6	64	$41,395	$14,312	$27,083	$7,960,821
6	65	$41,395	$14,263	$27,132	$7,933,689
6	66	$41,395	$14,215	$27,180	$7,906,509
6	67	$41,395	$14,166	$27,229	$7,879,280
6	68	$41,395	$14,117	$27,278	$7,852,003
6	69	$41,395	$14,068	$27,327	$7,824,676
6	70	$41,395	$14,019	$27,375	$7,797,301
6	71	$41,395	$13,970	$27,425	$7,769,876
6	72	$41,395	$13,921	$27,474	$7,742,402
7	73	$41,395	$13,872	$27,523	$7,714,879
7	74	$41,395	$13,822	$27,572	$7,687,307
7	75	$41,395	$13,773	$27,622	$7,659,686
7	76	$41,395	$13,724	$27,671	$7,632,015
7	77	$41,395	$13,674	$27,721	$7,604,294
7	78	$41,395	$13,624	$27,770	$7,576,523
7	79	$41,395	$13,575	$27,820	$7,548,703
7	80	$41,395	$13,525	$27,870	$7,520,833
7	81	$41,395	$13,475	$27,920	$7,492,914
7	82	$41,395	$13,425	$27,970	$7,464,944
7	83	$41,395	$13,375	$28,020	$7,436,924
7	84	$41,395	$13,324	$28,070	$7,408,853
8	85	$41,395	$13,274	$28,121	$7,380,733
8	86	$41,395	$13,224	$28,171	$7,352,562
8	87	$41,395	$13,173	$28,221	$7,324,341
8	88	$41,395	$13,123	$28,272	$7,296,069
8	89	$41,395	$13,072	$28,323	$7,267,746
8	90	$41,395	$13,021	$28,373	$7,239,373
8	91	$41,395	$12,971	$28,424	$7,210,949
8	92	$41,395	$12,920	$28,475	$7,182,473
8	93	$41,395	$12,869	$28,526	$7,153,947
8	94	$41,395	$12,817	$28,577	$7,125,370
8	95	$41,395	$12,766	$28,628	$7,096,742
8	96	$41,395	$12,715	$28,680	$7,068,062
9	97	$41,395	$12,664	$28,731	$7,039,331
9	98	$41,395	$12,612	$28,783	$7,010,548
9	99	$41,395	$12,561	$28,834	$6,981,714
9	100	$41,395	$12,509	$28,886	$6,952,828
9	101	$41,395	$12,457	$28,938	$6,923,891
9	102	$41,395	$12,405	$28,989	$6,894,901
9	103	$41,395	$12,353	$29,041	$6,865,860
9	104	$41,395	$12,301	$29,093	$6,836,767
9	105	$41,395	$12,249	$29,146	$6,807,621
9	106	$41,395	$12,197	$29,198	$6,778,423
9	107	$41,395	$12,145	$29,250	$6,749,173
9	108	$41,395	$12,092	$29,302	$6,719,871
10	109	$41,395	$12,040	$29,355	$6,690,516
10	110	$41,395	$11,987	$29,408	$6,661,109
10	111	$41,395	$11,934	$29,460	$6,631,648
10	112	$41,395	$11,882	$29,513	$6,602,135
10	113	$41,395	$11,829	$29,566	$6,572,569
10	114	$41,395	$11,776	$29,619	$6,542,951
10	115	$41,395	$11,723	$29,672	$6,513,279
10	116	$41,395	$11,670	$29,725	$6,483,554
10	117	$41,395	$11,616	$29,778	$6,453,775
10	118	$41,395	$11,563	$29,832	$6,423,943
10	119	$41,395	$11,510	$29,885	$6,394,058
10	120	$41,395	$11,456	$29,939	$6,364,120
11	121	$41,395	$11,402	$29,992	$6,334,127
11	122	$41,395	$11,349	$30,046	$6,304,081
11	123	$41,395	$11,295	$30,100	$6,273,981
11	124	$41,395	$11,241	$30,154	$6,243,828
11	125	$41,395	$11,187	$30,208	$6,213,620
11	126	$41,395	$11,133	$30,262	$6,183,358
11	127	$41,395	$11,079	$30,316	$6,153,042
11	128	$41,395	$11,024	$30,371	$6,122,671
11	129	$41,395	$10,970	$30,425	$6,092,246
11	130	$41,395	$10,915	$30,479	$6,061,767
11	131	$41,395	$10,861	$30,534	$6,031,233
11	132	$41,395	$10,806	$30,589	$6,000,644
12	133	$41,395	$10,751	$30,644	$5,970,000
12	134	$41,395	$10,696	$30,698	$5,939,302
12	135	$41,395	$10,641	$30,753	$5,908,548
12	136	$41,395	$10,586	$30,809	$5,877,740
12	137	$41,395	$10,531	$30,864	$5,846,876
12	138	$41,395	$10,476	$30,919	$5,815,957
12	139	$41,395	$10,420	$30,974	$5,784,983
12	140	$41,395	$10,365	$31,030	$5,753,953
12	141	$41,395	$10,309	$31,086	$5,722,867
12	142	$41,395	$10,253	$31,141	$5,691,726
12	143	$41,395	$10,198	$31,197	$5,660,529
12	144	$41,395	$10,142	$31,253	$5,629,276
13	145	$41,395	$10,086	$31,309	$5,597,967
13	146	$41,395	$10,030	$31,365	$5,566,602
13	147	$41,395	$9,973	$31,421	$5,535,181
13	148	$41,395	$9,917	$31,478	$5,503,703
13	149	$41,395	$9,861	$31,534	$5,472,169
13	150	$41,395	$9,804	$31,590	$5,440,579
13	151	$41,395	$9,748	$31,647	$5,408,932
13	152	$41,395	$9,691	$31,704	$5,377,228
13	153	$41,395	$9,634	$31,761	$5,345,468
13	154	$41,395	$9,577	$31,817	$5,313,650
13	155	$41,395	$9,520	$31,874	$5,281,776
13	156	$41,395	$9,463	$31,932	$5,249,844
14	157	$41,395	$9,406	$31,989	$5,217,855
14	158	$41,395	$9,349	$32,046	$5,185,809
14	159	$41,395	$9,291	$32,103	$5,153,706
14	160	$41,395	$9,234	$32,161	$5,121,545
14	161	$41,395	$9,176	$32,219	$5,089,326
14	162	$41,395	$9,118	$32,276	$5,057,050
14	163	$41,395	$9,061	$32,334	$5,024,716
14	164	$41,395	$9,003	$32,392	$4,992,324
14	165	$41,395	$8,945	$32,450	$4,959,874
14	166	$41,395	$8,886	$32,508	$4,927,365
14	167	$41,395	$8,828	$32,567	$4,894,799
14	168	$41,395	$8,770	$32,625	$4,862,174
15	169	$41,395	$8,711	$32,683	$4,829,491
15	170	$41,395	$8,653	$32,742	$4,796,749
15	171	$41,395	$8,594	$32,801	$4,763,948
15	172	$41,395	$8,535	$32,859	$4,731,089
15	173	$41,395	$8,477	$32,918	$4,698,171
15	174	$41,395	$8,418	$32,977	$4,665,194
15	175	$41,395	$8,358	$33,036	$4,632,157
15	176	$41,395	$8,299	$33,095	$4,599,062
15	177	$41,395	$8,240	$33,155	$4,565,907
15	178	$41,395	$8,181	$33,214	$4,532,693
15	179	$41,395	$8,121	$33,274	$4,499,419
15	180	$41,395	$8,061	$33,333	$4,466,086
16	181	$41,395	$8,002	$33,393	$4,432,693
16	182	$41,395	$7,942	$33,453	$4,399,240
16	183	$41,395	$7,882	$33,513	$4,365,728
16	184	$41,395	$7,822	$33,573	$4,332,155
16	185	$41,395	$7,762	$33,633	$4,298,522
16	186	$41,395	$7,702	$33,693	$4,264,829
16	187	$41,395	$7,641	$33,754	$4,231,075
16	188	$41,395	$7,581	$33,814	$4,197,261
16	189	$41,395	$7,520	$33,875	$4,163,387
16	190	$41,395	$7,459	$33,935	$4,129,451
16	191	$41,395	$7,399	$33,996	$4,095,455
16	192	$41,395	$7,338	$34,057	$4,061,398
17	193	$41,395	$7,277	$34,118	$4,027,280
17	194	$41,395	$7,216	$34,179	$3,993,101
17	195	$41,395	$7,154	$34,240	$3,958,861
17	196	$41,395	$7,093	$34,302	$3,924,559
17	197	$41,395	$7,032	$34,363	$3,890,196
17	198	$41,395	$6,970	$34,425	$3,855,771
17	199	$41,395	$6,908	$34,486	$3,821,284
17	200	$41,395	$6,846	$34,548	$3,786,736
17	201	$41,395	$6,785	$34,610	$3,752,126
17	202	$41,395	$6,723	$34,672	$3,717,454
17	203	$41,395	$6,660	$34,734	$3,682,720
17	204	$41,395	$6,598	$34,797	$3,647,923
18	205	$41,395	$6,536	$34,859	$3,613,064
18	206	$41,395	$6,473	$34,921	$3,578,143
18	207	$41,395	$6,411	$34,984	$3,543,159
18	208	$41,395	$6,348	$35,047	$3,508,112
18	209	$41,395	$6,285	$35,109	$3,473,003
18	210	$41,395	$6,222	$35,172	$3,437,831
18	211	$41,395	$6,159	$35,235	$3,402,596
18	212	$41,395	$6,096	$35,298	$3,367,297
18	213	$41,395	$6,033	$35,362	$3,331,936
18	214	$41,395	$5,970	$35,425	$3,296,511
18	215	$41,395	$5,906	$35,488	$3,261,022
18	216	$41,395	$5,843	$35,552	$3,225,470
19	217	$41,395	$5,779	$35,616	$3,189,854
19	218	$41,395	$5,715	$35,680	$3,154,175
19	219	$41,395	$5,651	$35,743	$3,118,431
19	220	$41,395	$5,587	$35,808	$3,082,624
19	221	$41,395	$5,523	$35,872	$3,046,752
19	222	$41,395	$5,459	$35,936	$3,010,816
19	223	$41,395	$5,394	$36,000	$2,974,816
19	224	$41,395	$5,330	$36,065	$2,938,751
19	225	$41,395	$5,265	$36,129	$2,902,622
19	226	$41,395	$5,201	$36,194	$2,866,427
19	227	$41,395	$5,136	$36,259	$2,830,168
19	228	$41,395	$5,071	$36,324	$2,793,844
20	229	$41,395	$5,006	$36,389	$2,757,455
20	230	$41,395	$4,940	$36,454	$2,721,001
20	231	$41,395	$4,875	$36,520	$2,684,481
20	232	$41,395	$4,810	$36,585	$2,647,896
20	233	$41,395	$4,744	$36,651	$2,611,246
20	234	$41,395	$4,678	$36,716	$2,574,530
20	235	$41,395	$4,613	$36,782	$2,537,748
20	236	$41,395	$4,547	$36,848	$2,500,900
20	237	$41,395	$4,481	$36,914	$2,463,986
20	238	$41,395	$4,415	$36,980	$2,427,006
20	239	$41,395	$4,348	$37,046	$2,389,959
20	240	$41,395	$4,282	$37,113	$2,352,847
21	241	$41,395	$4,216	$37,179	$2,315,667
21	242	$41,395	$4,149	$37,246	$2,278,422
21	243	$41,395	$4,082	$37,313	$2,241,109
21	244	$41,395	$4,015	$37,379	$2,203,730
21	245	$41,395	$3,948	$37,446	$2,166,283
21	246	$41,395	$3,881	$37,513	$2,128,770
21	247	$41,395	$3,814	$37,581	$2,091,189
21	248	$41,395	$3,747	$37,648	$2,053,541
21	249	$41,395	$3,679	$37,715	$2,015,826
21	250	$41,395	$3,612	$37,783	$1,978,043
21	251	$41,395	$3,544	$37,851	$1,940,192
21	252	$41,395	$3,476	$37,919	$1,902,274
22	253	$41,395	$3,408	$37,986	$1,864,287
22	254	$41,395	$3,340	$38,055	$1,826,233
22	255	$41,395	$3,272	$38,123	$1,788,110
22	256	$41,395	$3,204	$38,191	$1,749,919
22	257	$41,395	$3,135	$38,259	$1,711,659
22	258	$41,395	$3,067	$38,328	$1,673,331
22	259	$41,395	$2,998	$38,397	$1,634,935
22	260	$41,395	$2,929	$38,465	$1,596,469
22	261	$41,395	$2,860	$38,534	$1,557,935
22	262	$41,395	$2,791	$38,603	$1,519,331
22	263	$41,395	$2,722	$38,673	$1,480,659
22	264	$41,395	$2,653	$38,742	$1,441,917
23	265	$41,395	$2,583	$38,811	$1,403,106
23	266	$41,395	$2,514	$38,881	$1,364,225
23	267	$41,395	$2,444	$38,950	$1,325,274
23	268	$41,395	$2,374	$39,020	$1,286,254
23	269	$41,395	$2,305	$39,090	$1,247,164
23	270	$41,395	$2,235	$39,160	$1,208,004
23	271	$41,395	$2,164	$39,230	$1,168,773
23	272	$41,395	$2,094	$39,301	$1,129,473
23	273	$41,395	$2,024	$39,371	$1,090,102
23	274	$41,395	$1,953	$39,442	$1,050,660
23	275	$41,395	$1,882	$39,512	$1,011,148
23	276	$41,395	$1,812	$39,583	$971,565
24	277	$41,395	$1,741	$39,654	$931,911
24	278	$41,395	$1,670	$39,725	$892,186
24	279	$41,395	$1,598	$39,796	$852,390
24	280	$41,395	$1,527	$39,868	$812,522
24	281	$41,395	$1,456	$39,939	$772,583
24	282	$41,395	$1,384	$40,010	$732,573
24	283	$41,395	$1,313	$40,082	$692,490
24	284	$41,395	$1,241	$40,154	$652,336
24	285	$41,395	$1,169	$40,226	$612,110
24	286	$41,395	$1,097	$40,298	$571,812
24	287	$41,395	$1,024	$40,370	$531,442
24	288	$41,395	$952	$40,443	$491,000
25	289	$41,395	$880	$40,515	$450,485
25	290	$41,395	$807	$40,588	$409,897
25	291	$41,395	$734	$40,660	$369,237
25	292	$41,395	$662	$40,733	$328,504
25	293	$41,395	$589	$40,806	$287,697
25	294	$41,395	$515	$40,879	$246,818
25	295	$41,395	$442	$40,952	$205,866
25	296	$41,395	$369	$41,026	$164,840
25	297	$41,395	$295	$41,099	$123,740
25	298	$41,395	$222	$41,173	$82,567
25	299	$41,395	$148	$41,247	$41,321
25	300	$41,395	$74	$41,321	$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$ 6,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,560,000

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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.