Century 21 Centaland Property

Down Payment (HKD)

$7,600,000

Monthly Repayment (HKD)

$49,156

Loan Amount (HKD)

$11,400,000

Total Interest (HKD)

$3,346,866

Total Repayment (HKD)

$14,746,866

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$49,156	$20,425	$28,731	$11,371,269
1	2	$49,156	$20,374	$28,783	$11,342,486
1	3	$49,156	$20,322	$28,834	$11,313,652
1	4	$49,156	$20,270	$28,886	$11,284,766
1	5	$49,156	$20,219	$28,938	$11,255,828
1	6	$49,156	$20,167	$28,990	$11,226,839
1	7	$49,156	$20,115	$29,041	$11,197,797
1	8	$49,156	$20,063	$29,093	$11,168,704
1	9	$49,156	$20,011	$29,146	$11,139,558
1	10	$49,156	$19,958	$29,198	$11,110,360
1	11	$49,156	$19,906	$29,250	$11,081,110
1	12	$49,156	$19,854	$29,303	$11,051,808
2	13	$49,156	$19,801	$29,355	$11,022,452
2	14	$49,156	$19,749	$29,408	$10,993,045
2	15	$49,156	$19,696	$29,460	$10,963,584
2	16	$49,156	$19,643	$29,513	$10,934,071
2	17	$49,156	$19,590	$29,566	$10,904,505
2	18	$49,156	$19,537	$29,619	$10,874,886
2	19	$49,156	$19,484	$29,672	$10,845,214
2	20	$49,156	$19,431	$29,725	$10,815,489
2	21	$49,156	$19,378	$29,778	$10,785,711
2	22	$49,156	$19,324	$29,832	$10,755,879
2	23	$49,156	$19,271	$29,885	$10,725,994
2	24	$49,156	$19,217	$29,939	$10,696,055
3	25	$49,156	$19,164	$29,992	$10,666,062
3	26	$49,156	$19,110	$30,046	$10,636,016
3	27	$49,156	$19,056	$30,100	$10,605,916
3	28	$49,156	$19,002	$30,154	$10,575,762
3	29	$49,156	$18,948	$30,208	$10,545,554
3	30	$49,156	$18,894	$30,262	$10,515,292
3	31	$49,156	$18,840	$30,316	$10,484,976
3	32	$49,156	$18,786	$30,371	$10,454,605
3	33	$49,156	$18,731	$30,425	$10,424,180
3	34	$49,156	$18,677	$30,480	$10,393,700
3	35	$49,156	$18,622	$30,534	$10,363,166
3	36	$49,156	$18,567	$30,589	$10,332,577
4	37	$49,156	$18,513	$30,644	$10,301,934
4	38	$49,156	$18,458	$30,699	$10,271,235
4	39	$49,156	$18,403	$30,754	$10,240,482
4	40	$49,156	$18,348	$30,809	$10,209,673
4	41	$49,156	$18,292	$30,864	$10,178,809
4	42	$49,156	$18,237	$30,919	$10,147,890
4	43	$49,156	$18,182	$30,975	$10,116,915
4	44	$49,156	$18,126	$31,030	$10,085,885
4	45	$49,156	$18,071	$31,086	$10,054,799
4	46	$49,156	$18,015	$31,141	$10,023,658
4	47	$49,156	$17,959	$31,197	$9,992,461
4	48	$49,156	$17,903	$31,253	$9,961,208
5	49	$49,156	$17,847	$31,309	$9,929,899
5	50	$49,156	$17,791	$31,365	$9,898,534
5	51	$49,156	$17,735	$31,421	$9,867,112
5	52	$49,156	$17,679	$31,478	$9,835,635
5	53	$49,156	$17,622	$31,534	$9,804,101
5	54	$49,156	$17,566	$31,591	$9,772,510
5	55	$49,156	$17,509	$31,647	$9,740,863
5	56	$49,156	$17,452	$31,704	$9,709,159
5	57	$49,156	$17,396	$31,761	$9,677,398
5	58	$49,156	$17,339	$31,818	$9,645,581
5	59	$49,156	$17,282	$31,875	$9,613,706
5	60	$49,156	$17,225	$31,932	$9,581,775
6	61	$49,156	$17,167	$31,989	$9,549,786
6	62	$49,156	$17,110	$32,046	$9,517,740
6	63	$49,156	$17,053	$32,104	$9,485,636
6	64	$49,156	$16,995	$32,161	$9,453,475
6	65	$49,156	$16,937	$32,219	$9,421,256
6	66	$49,156	$16,880	$32,276	$9,388,980
6	67	$49,156	$16,822	$32,334	$9,356,645
6	68	$49,156	$16,764	$32,392	$9,324,253
6	69	$49,156	$16,706	$32,450	$9,291,803
6	70	$49,156	$16,648	$32,508	$9,259,294
6	71	$49,156	$16,590	$32,567	$9,226,728
6	72	$49,156	$16,531	$32,625	$9,194,103
7	73	$49,156	$16,473	$32,683	$9,161,419
7	74	$49,156	$16,414	$32,742	$9,128,677
7	75	$49,156	$16,356	$32,801	$9,095,877
7	76	$49,156	$16,297	$32,859	$9,063,017
7	77	$49,156	$16,238	$32,918	$9,030,099
7	78	$49,156	$16,179	$32,977	$8,997,122
7	79	$49,156	$16,120	$33,036	$8,964,085
7	80	$49,156	$16,061	$33,096	$8,930,990
7	81	$49,156	$16,001	$33,155	$8,897,835
7	82	$49,156	$15,942	$33,214	$8,864,621
7	83	$49,156	$15,882	$33,274	$8,831,347
7	84	$49,156	$15,823	$33,333	$8,798,013
8	85	$49,156	$15,763	$33,393	$8,764,620
8	86	$49,156	$15,703	$33,453	$8,731,167
8	87	$49,156	$15,643	$33,513	$8,697,654
8	88	$49,156	$15,583	$33,573	$8,664,082
8	89	$49,156	$15,523	$33,633	$8,630,448
8	90	$49,156	$15,463	$33,693	$8,596,755
8	91	$49,156	$15,403	$33,754	$8,563,001
8	92	$49,156	$15,342	$33,814	$8,529,187
8	93	$49,156	$15,281	$33,875	$8,495,313
8	94	$49,156	$15,221	$33,935	$8,461,377
8	95	$49,156	$15,160	$33,996	$8,427,381
8	96	$49,156	$15,099	$34,057	$8,393,324
9	97	$49,156	$15,038	$34,118	$8,359,205
9	98	$49,156	$14,977	$34,179	$8,325,026
9	99	$49,156	$14,916	$34,241	$8,290,786
9	100	$49,156	$14,854	$34,302	$8,256,484
9	101	$49,156	$14,793	$34,363	$8,222,120
9	102	$49,156	$14,731	$34,425	$8,187,695
9	103	$49,156	$14,670	$34,487	$8,153,209
9	104	$49,156	$14,608	$34,548	$8,118,660
9	105	$49,156	$14,546	$34,610	$8,084,050
9	106	$49,156	$14,484	$34,672	$8,049,378
9	107	$49,156	$14,422	$34,734	$8,014,643
9	108	$49,156	$14,360	$34,797	$7,979,847
10	109	$49,156	$14,297	$34,859	$7,944,988
10	110	$49,156	$14,235	$34,921	$7,910,066
10	111	$49,156	$14,172	$34,984	$7,875,082
10	112	$49,156	$14,110	$35,047	$7,840,036
10	113	$49,156	$14,047	$35,109	$7,804,926
10	114	$49,156	$13,984	$35,172	$7,769,754
10	115	$49,156	$13,921	$35,235	$7,734,518
10	116	$49,156	$13,858	$35,299	$7,699,220
10	117	$49,156	$13,794	$35,362	$7,663,858
10	118	$49,156	$13,731	$35,425	$7,628,433
10	119	$49,156	$13,668	$35,489	$7,592,944
10	120	$49,156	$13,604	$35,552	$7,557,392
11	121	$49,156	$13,540	$35,616	$7,521,776
11	122	$49,156	$13,477	$35,680	$7,486,096
11	123	$49,156	$13,413	$35,744	$7,450,353
11	124	$49,156	$13,349	$35,808	$7,414,545
11	125	$49,156	$13,284	$35,872	$7,378,673
11	126	$49,156	$13,220	$35,936	$7,342,737
11	127	$49,156	$13,156	$36,000	$7,306,737
11	128	$49,156	$13,091	$36,065	$7,270,672
11	129	$49,156	$13,027	$36,130	$7,234,542
11	130	$49,156	$12,962	$36,194	$7,198,348
11	131	$49,156	$12,897	$36,259	$7,162,089
11	132	$49,156	$12,832	$36,324	$7,125,765
12	133	$49,156	$12,767	$36,389	$7,089,375
12	134	$49,156	$12,702	$36,454	$7,052,921
12	135	$49,156	$12,636	$36,520	$7,016,401
12	136	$49,156	$12,571	$36,585	$6,979,816
12	137	$49,156	$12,506	$36,651	$6,943,165
12	138	$49,156	$12,440	$36,716	$6,906,449
12	139	$49,156	$12,374	$36,782	$6,869,667
12	140	$49,156	$12,308	$36,848	$6,832,819
12	141	$49,156	$12,242	$36,914	$6,795,905
12	142	$49,156	$12,176	$36,980	$6,758,924
12	143	$49,156	$12,110	$37,046	$6,721,878
12	144	$49,156	$12,043	$37,113	$6,684,765
13	145	$49,156	$11,977	$37,179	$6,647,586
13	146	$49,156	$11,910	$37,246	$6,610,340
13	147	$49,156	$11,844	$37,313	$6,573,027
13	148	$49,156	$11,777	$37,380	$6,535,647
13	149	$49,156	$11,710	$37,447	$6,498,201
13	150	$49,156	$11,643	$37,514	$6,460,687
13	151	$49,156	$11,575	$37,581	$6,423,107
13	152	$49,156	$11,508	$37,648	$6,385,458
13	153	$49,156	$11,441	$37,716	$6,347,743
13	154	$49,156	$11,373	$37,783	$6,309,960
13	155	$49,156	$11,305	$37,851	$6,272,109
13	156	$49,156	$11,238	$37,919	$6,234,190
14	157	$49,156	$11,170	$37,987	$6,196,203
14	158	$49,156	$11,102	$38,055	$6,158,149
14	159	$49,156	$11,033	$38,123	$6,120,026
14	160	$49,156	$10,965	$38,191	$6,081,835
14	161	$49,156	$10,897	$38,260	$6,043,575
14	162	$49,156	$10,828	$38,328	$6,005,247
14	163	$49,156	$10,759	$38,397	$5,966,850
14	164	$49,156	$10,691	$38,466	$5,928,384
14	165	$49,156	$10,622	$38,535	$5,889,850
14	166	$49,156	$10,553	$38,604	$5,851,246
14	167	$49,156	$10,483	$38,673	$5,812,574
14	168	$49,156	$10,414	$38,742	$5,773,832
15	169	$49,156	$10,345	$38,811	$5,735,020
15	170	$49,156	$10,275	$38,881	$5,696,139
15	171	$49,156	$10,206	$38,951	$5,657,189
15	172	$49,156	$10,136	$39,020	$5,618,168
15	173	$49,156	$10,066	$39,090	$5,579,078
15	174	$49,156	$9,996	$39,160	$5,539,917
15	175	$49,156	$9,926	$39,231	$5,500,687
15	176	$49,156	$9,855	$39,301	$5,461,386
15	177	$49,156	$9,785	$39,371	$5,422,015
15	178	$49,156	$9,714	$39,442	$5,382,573
15	179	$49,156	$9,644	$39,512	$5,343,061
15	180	$49,156	$9,573	$39,583	$5,303,477
16	181	$49,156	$9,502	$39,654	$5,263,823
16	182	$49,156	$9,431	$39,725	$5,224,098
16	183	$49,156	$9,360	$39,796	$5,184,302
16	184	$49,156	$9,289	$39,868	$5,144,434
16	185	$49,156	$9,217	$39,939	$5,104,495
16	186	$49,156	$9,146	$40,011	$5,064,484
16	187	$49,156	$9,074	$40,082	$5,024,402
16	188	$49,156	$9,002	$40,154	$4,984,248
16	189	$49,156	$8,930	$40,226	$4,944,022
16	190	$49,156	$8,858	$40,298	$4,903,723
16	191	$49,156	$8,786	$40,370	$4,863,353
16	192	$49,156	$8,714	$40,443	$4,822,910
17	193	$49,156	$8,641	$40,515	$4,782,395
17	194	$49,156	$8,568	$40,588	$4,741,807
17	195	$49,156	$8,496	$40,660	$4,701,147
17	196	$49,156	$8,423	$40,733	$4,660,414
17	197	$49,156	$8,350	$40,806	$4,619,607
17	198	$49,156	$8,277	$40,879	$4,578,728
17	199	$49,156	$8,204	$40,953	$4,537,775
17	200	$49,156	$8,130	$41,026	$4,496,749
17	201	$49,156	$8,057	$41,100	$4,455,650
17	202	$49,156	$7,983	$41,173	$4,414,476
17	203	$49,156	$7,909	$41,247	$4,373,229
17	204	$49,156	$7,835	$41,321	$4,331,909
18	205	$49,156	$7,761	$41,395	$4,290,514
18	206	$49,156	$7,687	$41,469	$4,249,045
18	207	$49,156	$7,613	$41,543	$4,207,501
18	208	$49,156	$7,538	$41,618	$4,165,884
18	209	$49,156	$7,464	$41,692	$4,124,191
18	210	$49,156	$7,389	$41,767	$4,082,424
18	211	$49,156	$7,314	$41,842	$4,040,582
18	212	$49,156	$7,239	$41,917	$3,998,665
18	213	$49,156	$7,164	$41,992	$3,956,673
18	214	$49,156	$7,089	$42,067	$3,914,606
18	215	$49,156	$7,014	$42,143	$3,872,464
18	216	$49,156	$6,938	$42,218	$3,830,246
19	217	$49,156	$6,863	$42,294	$3,787,952
19	218	$49,156	$6,787	$42,369	$3,745,583
19	219	$49,156	$6,711	$42,445	$3,703,137
19	220	$49,156	$6,635	$42,521	$3,660,616
19	221	$49,156	$6,559	$42,598	$3,618,018
19	222	$49,156	$6,482	$42,674	$3,575,344
19	223	$49,156	$6,406	$42,750	$3,532,594
19	224	$49,156	$6,329	$42,827	$3,489,767
19	225	$49,156	$6,252	$42,904	$3,446,863
19	226	$49,156	$6,176	$42,981	$3,403,882
19	227	$49,156	$6,099	$43,058	$3,360,825
19	228	$49,156	$6,021	$43,135	$3,317,690
20	229	$49,156	$5,944	$43,212	$3,274,478
20	230	$49,156	$5,867	$43,289	$3,231,189
20	231	$49,156	$5,789	$43,367	$3,187,822
20	232	$49,156	$5,712	$43,445	$3,144,377
20	233	$49,156	$5,634	$43,523	$3,100,854
20	234	$49,156	$5,556	$43,601	$3,057,254
20	235	$49,156	$5,478	$43,679	$3,013,575
20	236	$49,156	$5,399	$43,757	$2,969,818
20	237	$49,156	$5,321	$43,835	$2,925,983
20	238	$49,156	$5,242	$43,914	$2,882,069
20	239	$49,156	$5,164	$43,993	$2,838,077
20	240	$49,156	$5,085	$44,071	$2,794,005
21	241	$49,156	$5,006	$44,150	$2,749,855
21	242	$49,156	$4,927	$44,229	$2,705,626
21	243	$49,156	$4,848	$44,309	$2,661,317
21	244	$49,156	$4,768	$44,388	$2,616,929
21	245	$49,156	$4,689	$44,468	$2,572,461
21	246	$49,156	$4,609	$44,547	$2,527,914
21	247	$49,156	$4,529	$44,627	$2,483,287
21	248	$49,156	$4,449	$44,707	$2,438,580
21	249	$49,156	$4,369	$44,787	$2,393,793
21	250	$49,156	$4,289	$44,867	$2,348,926
21	251	$49,156	$4,208	$44,948	$2,303,978
21	252	$49,156	$4,128	$45,028	$2,258,950
22	253	$49,156	$4,047	$45,109	$2,213,841
22	254	$49,156	$3,966	$45,190	$2,168,651
22	255	$49,156	$3,885	$45,271	$2,123,380
22	256	$49,156	$3,804	$45,352	$2,078,029
22	257	$49,156	$3,723	$45,433	$2,032,595
22	258	$49,156	$3,642	$45,514	$1,987,081
22	259	$49,156	$3,560	$45,596	$1,941,485
22	260	$49,156	$3,478	$45,678	$1,895,807
22	261	$49,156	$3,397	$45,760	$1,850,048
22	262	$49,156	$3,315	$45,842	$1,804,206
22	263	$49,156	$3,233	$45,924	$1,758,282
22	264	$49,156	$3,150	$46,006	$1,712,276
23	265	$49,156	$3,068	$46,088	$1,666,188
23	266	$49,156	$2,985	$46,171	$1,620,017
23	267	$49,156	$2,903	$46,254	$1,573,763
23	268	$49,156	$2,820	$46,337	$1,527,427
23	269	$49,156	$2,737	$46,420	$1,481,007
23	270	$49,156	$2,653	$46,503	$1,434,505
23	271	$49,156	$2,570	$46,586	$1,387,918
23	272	$49,156	$2,487	$46,670	$1,341,249
23	273	$49,156	$2,403	$46,753	$1,294,496
23	274	$49,156	$2,319	$46,837	$1,247,659
23	275	$49,156	$2,235	$46,921	$1,200,738
23	276	$49,156	$2,151	$47,005	$1,153,733
24	277	$49,156	$2,067	$47,089	$1,106,644
24	278	$49,156	$1,983	$47,173	$1,059,471
24	279	$49,156	$1,898	$47,258	$1,012,213
24	280	$49,156	$1,814	$47,343	$964,870
24	281	$49,156	$1,729	$47,427	$917,442
24	282	$49,156	$1,644	$47,512	$869,930
24	283	$49,156	$1,559	$47,598	$822,332
24	284	$49,156	$1,473	$47,683	$774,649
24	285	$49,156	$1,388	$47,768	$726,881
24	286	$49,156	$1,302	$47,854	$679,027
24	287	$49,156	$1,217	$47,940	$631,088
24	288	$49,156	$1,131	$48,026	$583,062
25	289	$49,156	$1,045	$48,112	$534,951
25	290	$49,156	$958	$48,198	$486,753
25	291	$49,156	$872	$48,284	$438,469
25	292	$49,156	$786	$48,371	$390,098
25	293	$49,156	$699	$48,457	$341,641
25	294	$49,156	$612	$48,544	$293,097
25	295	$49,156	$525	$48,631	$244,466
25	296	$49,156	$438	$48,718	$195,747
25	297	$49,156	$351	$48,806	$146,942
25	298	$49,156	$263	$48,893	$98,049
25	299	$49,156	$176	$48,981	$49,068
25	300	$49,156	$88	$49,068	$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$ 7,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 7,790,000

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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.