Century 21 Centaland Property

Down Payment (HKD)

$4,952,000

Monthly Repayment (HKD)

$32,029

Loan Amount (HKD)

$7,428,000

Total Interest (HKD)

$2,180,747

Total Repayment (HKD)

$9,608,747

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$32,029	$13,309	$18,721	$7,409,279
1	2	$32,029	$13,275	$18,754	$7,390,525
1	3	$32,029	$13,241	$18,788	$7,371,737
1	4	$32,029	$13,208	$18,821	$7,352,916
1	5	$32,029	$13,174	$18,855	$7,334,061
1	6	$32,029	$13,140	$18,889	$7,315,172
1	7	$32,029	$13,106	$18,923	$7,296,249
1	8	$32,029	$13,072	$18,957	$7,277,292
1	9	$32,029	$13,038	$18,991	$7,258,302
1	10	$32,029	$13,004	$19,025	$7,239,277
1	11	$32,029	$12,970	$19,059	$7,220,218
1	12	$32,029	$12,936	$19,093	$7,201,125
2	13	$32,029	$12,902	$19,127	$7,181,998
2	14	$32,029	$12,868	$19,161	$7,162,837
2	15	$32,029	$12,833	$19,196	$7,143,641
2	16	$32,029	$12,799	$19,230	$7,124,411
2	17	$32,029	$12,765	$19,265	$7,105,146
2	18	$32,029	$12,730	$19,299	$7,085,847
2	19	$32,029	$12,695	$19,334	$7,066,513
2	20	$32,029	$12,661	$19,368	$7,047,145
2	21	$32,029	$12,626	$19,403	$7,027,742
2	22	$32,029	$12,591	$19,438	$7,008,304
2	23	$32,029	$12,557	$19,473	$6,988,832
2	24	$32,029	$12,522	$19,508	$6,969,324
3	25	$32,029	$12,487	$19,542	$6,949,782
3	26	$32,029	$12,452	$19,577	$6,930,204
3	27	$32,029	$12,417	$19,613	$6,910,592
3	28	$32,029	$12,381	$19,648	$6,890,944
3	29	$32,029	$12,346	$19,683	$6,871,261
3	30	$32,029	$12,311	$19,718	$6,851,543
3	31	$32,029	$12,276	$19,753	$6,831,789
3	32	$32,029	$12,240	$19,789	$6,812,001
3	33	$32,029	$12,205	$19,824	$6,792,176
3	34	$32,029	$12,169	$19,860	$6,772,316
3	35	$32,029	$12,134	$19,895	$6,752,421
3	36	$32,029	$12,098	$19,931	$6,732,490
4	37	$32,029	$12,062	$19,967	$6,712,523
4	38	$32,029	$12,027	$20,003	$6,692,521
4	39	$32,029	$11,991	$20,038	$6,672,482
4	40	$32,029	$11,955	$20,074	$6,652,408
4	41	$32,029	$11,919	$20,110	$6,632,298
4	42	$32,029	$11,883	$20,146	$6,612,151
4	43	$32,029	$11,847	$20,182	$6,591,969
4	44	$32,029	$11,811	$20,219	$6,571,750
4	45	$32,029	$11,774	$20,255	$6,551,496
4	46	$32,029	$11,738	$20,291	$6,531,205
4	47	$32,029	$11,702	$20,327	$6,510,877
4	48	$32,029	$11,665	$20,364	$6,490,513
5	49	$32,029	$11,629	$20,400	$6,470,113
5	50	$32,029	$11,592	$20,437	$6,449,676
5	51	$32,029	$11,556	$20,473	$6,429,203
5	52	$32,029	$11,519	$20,510	$6,408,692
5	53	$32,029	$11,482	$20,547	$6,388,146
5	54	$32,029	$11,445	$20,584	$6,367,562
5	55	$32,029	$11,409	$20,621	$6,346,941
5	56	$32,029	$11,372	$20,658	$6,326,284
5	57	$32,029	$11,335	$20,695	$6,305,589
5	58	$32,029	$11,298	$20,732	$6,284,857
5	59	$32,029	$11,260	$20,769	$6,264,089
5	60	$32,029	$11,223	$20,806	$6,243,283
6	61	$32,029	$11,186	$20,843	$6,222,439
6	62	$32,029	$11,149	$20,881	$6,201,559
6	63	$32,029	$11,111	$20,918	$6,180,641
6	64	$32,029	$11,074	$20,956	$6,159,685
6	65	$32,029	$11,036	$20,993	$6,138,692
6	66	$32,029	$10,998	$21,031	$6,117,661
6	67	$32,029	$10,961	$21,068	$6,096,593
6	68	$32,029	$10,923	$21,106	$6,075,487
6	69	$32,029	$10,885	$21,144	$6,054,343
6	70	$32,029	$10,847	$21,182	$6,033,161
6	71	$32,029	$10,809	$21,220	$6,011,942
6	72	$32,029	$10,771	$21,258	$5,990,684
7	73	$32,029	$10,733	$21,296	$5,969,388
7	74	$32,029	$10,695	$21,334	$5,948,054
7	75	$32,029	$10,657	$21,372	$5,926,682
7	76	$32,029	$10,619	$21,411	$5,905,271
7	77	$32,029	$10,580	$21,449	$5,883,822
7	78	$32,029	$10,542	$21,487	$5,862,335
7	79	$32,029	$10,503	$21,526	$5,840,809
7	80	$32,029	$10,465	$21,564	$5,819,245
7	81	$32,029	$10,426	$21,603	$5,797,642
7	82	$32,029	$10,387	$21,642	$5,776,000
7	83	$32,029	$10,349	$21,680	$5,754,320
7	84	$32,029	$10,310	$21,719	$5,732,600
8	85	$32,029	$10,271	$21,758	$5,710,842
8	86	$32,029	$10,232	$21,797	$5,689,045
8	87	$32,029	$10,193	$21,836	$5,667,209
8	88	$32,029	$10,154	$21,875	$5,645,333
8	89	$32,029	$10,115	$21,915	$5,623,419
8	90	$32,029	$10,075	$21,954	$5,601,465
8	91	$32,029	$10,036	$21,993	$5,579,471
8	92	$32,029	$9,997	$22,033	$5,557,439
8	93	$32,029	$9,957	$22,072	$5,535,367
8	94	$32,029	$9,918	$22,112	$5,513,255
8	95	$32,029	$9,878	$22,151	$5,491,104
8	96	$32,029	$9,838	$22,191	$5,468,913
9	97	$32,029	$9,798	$22,231	$5,446,682
9	98	$32,029	$9,759	$22,271	$5,424,412
9	99	$32,029	$9,719	$22,310	$5,402,101
9	100	$32,029	$9,679	$22,350	$5,379,751
9	101	$32,029	$9,639	$22,390	$5,357,361
9	102	$32,029	$9,599	$22,431	$5,334,930
9	103	$32,029	$9,558	$22,471	$5,312,459
9	104	$32,029	$9,518	$22,511	$5,289,948
9	105	$32,029	$9,478	$22,551	$5,267,397
9	106	$32,029	$9,437	$22,592	$5,244,805
9	107	$32,029	$9,397	$22,632	$5,222,173
9	108	$32,029	$9,356	$22,673	$5,199,500
10	109	$32,029	$9,316	$22,713	$5,176,787
10	110	$32,029	$9,275	$22,754	$5,154,033
10	111	$32,029	$9,234	$22,795	$5,131,238
10	112	$32,029	$9,193	$22,836	$5,108,402
10	113	$32,029	$9,153	$22,877	$5,085,526
10	114	$32,029	$9,112	$22,918	$5,062,608
10	115	$32,029	$9,071	$22,959	$5,039,649
10	116	$32,029	$9,029	$23,000	$5,016,650
10	117	$32,029	$8,988	$23,041	$4,993,609
10	118	$32,029	$8,947	$23,082	$4,970,526
10	119	$32,029	$8,906	$23,124	$4,947,403
10	120	$32,029	$8,864	$23,165	$4,924,238
11	121	$32,029	$8,823	$23,207	$4,901,031
11	122	$32,029	$8,781	$23,248	$4,877,783
11	123	$32,029	$8,739	$23,290	$4,854,493
11	124	$32,029	$8,698	$23,332	$4,831,162
11	125	$32,029	$8,656	$23,373	$4,807,788
11	126	$32,029	$8,614	$23,415	$4,784,373
11	127	$32,029	$8,572	$23,457	$4,760,916
11	128	$32,029	$8,530	$23,499	$4,737,417
11	129	$32,029	$8,488	$23,541	$4,713,875
11	130	$32,029	$8,446	$23,583	$4,690,292
11	131	$32,029	$8,403	$23,626	$4,666,666
11	132	$32,029	$8,361	$23,668	$4,642,998
12	133	$32,029	$8,319	$23,710	$4,619,288
12	134	$32,029	$8,276	$23,753	$4,595,535
12	135	$32,029	$8,234	$23,795	$4,571,739
12	136	$32,029	$8,191	$23,838	$4,547,901
12	137	$32,029	$8,148	$23,881	$4,524,020
12	138	$32,029	$8,106	$23,924	$4,500,097
12	139	$32,029	$8,063	$23,966	$4,476,130
12	140	$32,029	$8,020	$24,009	$4,452,121
12	141	$32,029	$7,977	$24,052	$4,428,068
12	142	$32,029	$7,934	$24,096	$4,403,973
12	143	$32,029	$7,890	$24,139	$4,379,834
12	144	$32,029	$7,847	$24,182	$4,355,652
13	145	$32,029	$7,804	$24,225	$4,331,427
13	146	$32,029	$7,760	$24,269	$4,307,158
13	147	$32,029	$7,717	$24,312	$4,282,846
13	148	$32,029	$7,673	$24,356	$4,258,490
13	149	$32,029	$7,630	$24,399	$4,234,091
13	150	$32,029	$7,586	$24,443	$4,209,648
13	151	$32,029	$7,542	$24,487	$4,185,161
13	152	$32,029	$7,498	$24,531	$4,160,630
13	153	$32,029	$7,454	$24,575	$4,136,056
13	154	$32,029	$7,410	$24,619	$4,111,437
13	155	$32,029	$7,366	$24,663	$4,086,774
13	156	$32,029	$7,322	$24,707	$4,062,067
14	157	$32,029	$7,278	$24,751	$4,037,316
14	158	$32,029	$7,234	$24,796	$4,012,520
14	159	$32,029	$7,189	$24,840	$3,987,680
14	160	$32,029	$7,145	$24,885	$3,962,795
14	161	$32,029	$7,100	$24,929	$3,937,866
14	162	$32,029	$7,055	$24,974	$3,912,892
14	163	$32,029	$7,011	$25,019	$3,887,874
14	164	$32,029	$6,966	$25,063	$3,862,811
14	165	$32,029	$6,921	$25,108	$3,837,702
14	166	$32,029	$6,876	$25,153	$3,812,549
14	167	$32,029	$6,831	$25,198	$3,787,351
14	168	$32,029	$6,786	$25,243	$3,762,107
15	169	$32,029	$6,740	$25,289	$3,736,818
15	170	$32,029	$6,695	$25,334	$3,711,484
15	171	$32,029	$6,650	$25,379	$3,686,105
15	172	$32,029	$6,604	$25,425	$3,660,680
15	173	$32,029	$6,559	$25,470	$3,635,210
15	174	$32,029	$6,513	$25,516	$3,609,694
15	175	$32,029	$6,467	$25,562	$3,584,132
15	176	$32,029	$6,422	$25,608	$3,558,524
15	177	$32,029	$6,376	$25,653	$3,532,871
15	178	$32,029	$6,330	$25,699	$3,507,171
15	179	$32,029	$6,284	$25,745	$3,481,426
15	180	$32,029	$6,238	$25,792	$3,455,634
16	181	$32,029	$6,191	$25,838	$3,429,796
16	182	$32,029	$6,145	$25,884	$3,403,912
16	183	$32,029	$6,099	$25,930	$3,377,982
16	184	$32,029	$6,052	$25,977	$3,352,005
16	185	$32,029	$6,006	$26,023	$3,325,981
16	186	$32,029	$5,959	$26,070	$3,299,911
16	187	$32,029	$5,912	$26,117	$3,273,794
16	188	$32,029	$5,866	$26,164	$3,247,631
16	189	$32,029	$5,819	$26,210	$3,221,420
16	190	$32,029	$5,772	$26,257	$3,195,163
16	191	$32,029	$5,725	$26,304	$3,168,858
16	192	$32,029	$5,678	$26,352	$3,142,507
17	193	$32,029	$5,630	$26,399	$3,116,108
17	194	$32,029	$5,583	$26,446	$3,089,662
17	195	$32,029	$5,536	$26,494	$3,063,168
17	196	$32,029	$5,488	$26,541	$3,036,627
17	197	$32,029	$5,441	$26,589	$3,010,039
17	198	$32,029	$5,393	$26,636	$2,983,403
17	199	$32,029	$5,345	$26,684	$2,956,719
17	200	$32,029	$5,297	$26,732	$2,929,987
17	201	$32,029	$5,250	$26,780	$2,903,207
17	202	$32,029	$5,202	$26,828	$2,876,380
17	203	$32,029	$5,154	$26,876	$2,849,504
17	204	$32,029	$5,105	$26,924	$2,822,580
18	205	$32,029	$5,057	$26,972	$2,795,608
18	206	$32,029	$5,009	$27,020	$2,768,588
18	207	$32,029	$4,960	$27,069	$2,741,519
18	208	$32,029	$4,912	$27,117	$2,714,402
18	209	$32,029	$4,863	$27,166	$2,687,236
18	210	$32,029	$4,815	$27,215	$2,660,022
18	211	$32,029	$4,766	$27,263	$2,632,758
18	212	$32,029	$4,717	$27,312	$2,605,446
18	213	$32,029	$4,668	$27,361	$2,578,085
18	214	$32,029	$4,619	$27,410	$2,550,675
18	215	$32,029	$4,570	$27,459	$2,523,216
18	216	$32,029	$4,521	$27,508	$2,495,707
19	217	$32,029	$4,471	$27,558	$2,468,150
19	218	$32,029	$4,422	$27,607	$2,440,543
19	219	$32,029	$4,373	$27,657	$2,412,886
19	220	$32,029	$4,323	$27,706	$2,385,180
19	221	$32,029	$4,273	$27,756	$2,357,424
19	222	$32,029	$4,224	$27,805	$2,329,619
19	223	$32,029	$4,174	$27,855	$2,301,764
19	224	$32,029	$4,124	$27,905	$2,273,859
19	225	$32,029	$4,074	$27,955	$2,245,903
19	226	$32,029	$4,024	$28,005	$2,217,898
19	227	$32,029	$3,974	$28,055	$2,189,843
19	228	$32,029	$3,923	$28,106	$2,161,737
20	229	$32,029	$3,873	$28,156	$2,133,581
20	230	$32,029	$3,823	$28,206	$2,105,375
20	231	$32,029	$3,772	$28,257	$2,077,117
20	232	$32,029	$3,722	$28,308	$2,048,810
20	233	$32,029	$3,671	$28,358	$2,020,451
20	234	$32,029	$3,620	$28,409	$1,992,042
20	235	$32,029	$3,569	$28,460	$1,963,582
20	236	$32,029	$3,518	$28,511	$1,935,071
20	237	$32,029	$3,467	$28,562	$1,906,509
20	238	$32,029	$3,416	$28,613	$1,877,896
20	239	$32,029	$3,365	$28,665	$1,849,231
20	240	$32,029	$3,313	$28,716	$1,820,515
21	241	$32,029	$3,262	$28,767	$1,791,748
21	242	$32,029	$3,210	$28,819	$1,762,929
21	243	$32,029	$3,159	$28,871	$1,734,058
21	244	$32,029	$3,107	$28,922	$1,705,136
21	245	$32,029	$3,055	$28,974	$1,676,162
21	246	$32,029	$3,003	$29,026	$1,647,136
21	247	$32,029	$2,951	$29,078	$1,618,058
21	248	$32,029	$2,899	$29,130	$1,588,928
21	249	$32,029	$2,847	$29,182	$1,559,745
21	250	$32,029	$2,795	$29,235	$1,530,511
21	251	$32,029	$2,742	$29,287	$1,501,224
21	252	$32,029	$2,690	$29,339	$1,471,884
22	253	$32,029	$2,637	$29,392	$1,442,492
22	254	$32,029	$2,584	$29,445	$1,413,047
22	255	$32,029	$2,532	$29,497	$1,383,550
22	256	$32,029	$2,479	$29,550	$1,354,000
22	257	$32,029	$2,426	$29,603	$1,324,396
22	258	$32,029	$2,373	$29,656	$1,294,740
22	259	$32,029	$2,320	$29,709	$1,265,031
22	260	$32,029	$2,267	$29,763	$1,235,268
22	261	$32,029	$2,213	$29,816	$1,205,452
22	262	$32,029	$2,160	$29,869	$1,175,583
22	263	$32,029	$2,106	$29,923	$1,145,660
22	264	$32,029	$2,053	$29,977	$1,115,683
23	265	$32,029	$1,999	$30,030	$1,085,653
23	266	$32,029	$1,945	$30,084	$1,055,569
23	267	$32,029	$1,891	$30,138	$1,025,431
23	268	$32,029	$1,837	$30,192	$995,239
23	269	$32,029	$1,783	$30,246	$964,993
23	270	$32,029	$1,729	$30,300	$934,693
23	271	$32,029	$1,675	$30,354	$904,338
23	272	$32,029	$1,620	$30,409	$873,930
23	273	$32,029	$1,566	$30,463	$843,466
23	274	$32,029	$1,511	$30,518	$812,948
23	275	$32,029	$1,457	$30,573	$782,376
23	276	$32,029	$1,402	$30,627	$751,748
24	277	$32,029	$1,347	$30,682	$721,066
24	278	$32,029	$1,292	$30,737	$690,329
24	279	$32,029	$1,237	$30,792	$659,536
24	280	$32,029	$1,182	$30,847	$628,689
24	281	$32,029	$1,126	$30,903	$597,786
24	282	$32,029	$1,071	$30,958	$566,828
24	283	$32,029	$1,016	$31,014	$535,814
24	284	$32,029	$960	$31,069	$504,745
24	285	$32,029	$904	$31,125	$473,620
24	286	$32,029	$849	$31,181	$442,440
24	287	$32,029	$793	$31,236	$411,203
24	288	$32,029	$737	$31,292	$379,911
25	289	$32,029	$681	$31,348	$348,563
25	290	$32,029	$625	$31,405	$317,158
25	291	$32,029	$568	$31,461	$285,697
25	292	$32,029	$512	$31,517	$254,180
25	293	$32,029	$455	$31,574	$222,606
25	294	$32,029	$399	$31,630	$190,976
25	295	$32,029	$342	$31,687	$159,289
25	296	$32,029	$285	$31,744	$127,545
25	297	$32,029	$229	$31,801	$95,744
25	298	$32,029	$172	$31,858	$63,887
25	299	$32,029	$114	$31,915	$31,972
25	300	$32,029	$57	$31,972	$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$ 4,952,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,075,800

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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.