Century 21 Centaland Property

Down Payment (HKD)

$5,800,000

Monthly Repayment (HKD)

$37,514

Loan Amount (HKD)

$8,700,000

Total Interest (HKD)

$2,554,187

Total Repayment (HKD)

$11,254,187

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$37,514	$15,588	$21,926	$8,678,074
1	2	$37,514	$15,548	$21,966	$8,656,108
1	3	$37,514	$15,509	$22,005	$8,634,103
1	4	$37,514	$15,469	$22,045	$8,612,058
1	5	$37,514	$15,430	$22,084	$8,589,974
1	6	$37,514	$15,390	$22,124	$8,567,851
1	7	$37,514	$15,351	$22,163	$8,545,687
1	8	$37,514	$15,311	$22,203	$8,523,484
1	9	$37,514	$15,271	$22,243	$8,501,242
1	10	$37,514	$15,231	$22,283	$8,478,959
1	11	$37,514	$15,191	$22,322	$8,456,637
1	12	$37,514	$15,151	$22,362	$8,434,274
2	13	$37,514	$15,111	$22,403	$8,411,872
2	14	$37,514	$15,071	$22,443	$8,389,429
2	15	$37,514	$15,031	$22,483	$8,366,946
2	16	$37,514	$14,991	$22,523	$8,344,423
2	17	$37,514	$14,950	$22,564	$8,321,859
2	18	$37,514	$14,910	$22,604	$8,299,255
2	19	$37,514	$14,869	$22,644	$8,276,611
2	20	$37,514	$14,829	$22,685	$8,253,926
2	21	$37,514	$14,788	$22,726	$8,231,200
2	22	$37,514	$14,748	$22,766	$8,208,434
2	23	$37,514	$14,707	$22,807	$8,185,627
2	24	$37,514	$14,666	$22,848	$8,162,779
3	25	$37,514	$14,625	$22,889	$8,139,890
3	26	$37,514	$14,584	$22,930	$8,116,960
3	27	$37,514	$14,543	$22,971	$8,093,989
3	28	$37,514	$14,502	$23,012	$8,070,976
3	29	$37,514	$14,460	$23,053	$8,047,923
3	30	$37,514	$14,419	$23,095	$8,024,828
3	31	$37,514	$14,378	$23,136	$8,001,692
3	32	$37,514	$14,336	$23,178	$7,978,514
3	33	$37,514	$14,295	$23,219	$7,955,295
3	34	$37,514	$14,253	$23,261	$7,932,035
3	35	$37,514	$14,212	$23,302	$7,908,732
3	36	$37,514	$14,170	$23,344	$7,885,388
4	37	$37,514	$14,128	$23,386	$7,862,002
4	38	$37,514	$14,086	$23,428	$7,838,574
4	39	$37,514	$14,044	$23,470	$7,815,104
4	40	$37,514	$14,002	$23,512	$7,791,592
4	41	$37,514	$13,960	$23,554	$7,768,038
4	42	$37,514	$13,918	$23,596	$7,744,442
4	43	$37,514	$13,875	$23,638	$7,720,804
4	44	$37,514	$13,833	$23,681	$7,697,123
4	45	$37,514	$13,791	$23,723	$7,673,400
4	46	$37,514	$13,748	$23,766	$7,649,634
4	47	$37,514	$13,706	$23,808	$7,625,825
4	48	$37,514	$13,663	$23,851	$7,601,974
5	49	$37,514	$13,620	$23,894	$7,578,081
5	50	$37,514	$13,577	$23,937	$7,554,144
5	51	$37,514	$13,535	$23,979	$7,530,165
5	52	$37,514	$13,492	$24,022	$7,506,142
5	53	$37,514	$13,449	$24,065	$7,482,077
5	54	$37,514	$13,405	$24,109	$7,457,968
5	55	$37,514	$13,362	$24,152	$7,433,816
5	56	$37,514	$13,319	$24,195	$7,409,621
5	57	$37,514	$13,276	$24,238	$7,385,383
5	58	$37,514	$13,232	$24,282	$7,361,101
5	59	$37,514	$13,189	$24,325	$7,336,776
5	60	$37,514	$13,145	$24,369	$7,312,407
6	61	$37,514	$13,101	$24,413	$7,287,994
6	62	$37,514	$13,058	$24,456	$7,263,538
6	63	$37,514	$13,014	$24,500	$7,239,038
6	64	$37,514	$12,970	$24,544	$7,214,494
6	65	$37,514	$12,926	$24,588	$7,189,906
6	66	$37,514	$12,882	$24,632	$7,165,274
6	67	$37,514	$12,838	$24,676	$7,140,598
6	68	$37,514	$12,794	$24,720	$7,115,877
6	69	$37,514	$12,749	$24,765	$7,091,113
6	70	$37,514	$12,705	$24,809	$7,066,304
6	71	$37,514	$12,660	$24,853	$7,041,450
6	72	$37,514	$12,616	$24,898	$7,016,552
7	73	$37,514	$12,571	$24,943	$6,991,610
7	74	$37,514	$12,527	$24,987	$6,966,622
7	75	$37,514	$12,482	$25,032	$6,941,590
7	76	$37,514	$12,437	$25,077	$6,916,513
7	77	$37,514	$12,392	$25,122	$6,891,391
7	78	$37,514	$12,347	$25,167	$6,866,224
7	79	$37,514	$12,302	$25,212	$6,841,012
7	80	$37,514	$12,257	$25,257	$6,815,755
7	81	$37,514	$12,212	$25,302	$6,790,453
7	82	$37,514	$12,166	$25,348	$6,765,105
7	83	$37,514	$12,121	$25,393	$6,739,712
7	84	$37,514	$12,075	$25,439	$6,714,273
8	85	$37,514	$12,030	$25,484	$6,688,789
8	86	$37,514	$11,984	$25,530	$6,663,259
8	87	$37,514	$11,938	$25,576	$6,637,684
8	88	$37,514	$11,893	$25,621	$6,612,062
8	89	$37,514	$11,847	$25,667	$6,586,395
8	90	$37,514	$11,801	$25,713	$6,560,682
8	91	$37,514	$11,755	$25,759	$6,534,922
8	92	$37,514	$11,708	$25,806	$6,509,117
8	93	$37,514	$11,662	$25,852	$6,483,265
8	94	$37,514	$11,616	$25,898	$6,457,367
8	95	$37,514	$11,569	$25,945	$6,431,422
8	96	$37,514	$11,523	$25,991	$6,405,431
9	97	$37,514	$11,476	$26,038	$6,379,394
9	98	$37,514	$11,430	$26,084	$6,353,309
9	99	$37,514	$11,383	$26,131	$6,327,178
9	100	$37,514	$11,336	$26,178	$6,301,001
9	101	$37,514	$11,289	$26,225	$6,274,776
9	102	$37,514	$11,242	$26,272	$6,248,504
9	103	$37,514	$11,195	$26,319	$6,222,186
9	104	$37,514	$11,148	$26,366	$6,195,820
9	105	$37,514	$11,101	$26,413	$6,169,407
9	106	$37,514	$11,054	$26,460	$6,142,946
9	107	$37,514	$11,006	$26,508	$6,116,438
9	108	$37,514	$10,959	$26,555	$6,089,883
10	109	$37,514	$10,911	$26,603	$6,063,280
10	110	$37,514	$10,863	$26,651	$6,036,630
10	111	$37,514	$10,816	$26,698	$6,009,931
10	112	$37,514	$10,768	$26,746	$5,983,185
10	113	$37,514	$10,720	$26,794	$5,956,391
10	114	$37,514	$10,672	$26,842	$5,929,549
10	115	$37,514	$10,624	$26,890	$5,902,659
10	116	$37,514	$10,576	$26,938	$5,875,720
10	117	$37,514	$10,527	$26,987	$5,848,734
10	118	$37,514	$10,479	$27,035	$5,821,699
10	119	$37,514	$10,431	$27,083	$5,794,615
10	120	$37,514	$10,382	$27,132	$5,767,483
11	121	$37,514	$10,333	$27,181	$5,740,303
11	122	$37,514	$10,285	$27,229	$5,713,074
11	123	$37,514	$10,236	$27,278	$5,685,796
11	124	$37,514	$10,187	$27,327	$5,658,469
11	125	$37,514	$10,138	$27,376	$5,631,093
11	126	$37,514	$10,089	$27,425	$5,603,668
11	127	$37,514	$10,040	$27,474	$5,576,194
11	128	$37,514	$9,991	$27,523	$5,548,671
11	129	$37,514	$9,941	$27,573	$5,521,098
11	130	$37,514	$9,892	$27,622	$5,493,476
11	131	$37,514	$9,842	$27,671	$5,465,805
11	132	$37,514	$9,793	$27,721	$5,438,083
12	133	$37,514	$9,743	$27,771	$5,410,313
12	134	$37,514	$9,693	$27,820	$5,382,492
12	135	$37,514	$9,644	$27,870	$5,354,622
12	136	$37,514	$9,594	$27,920	$5,326,702
12	137	$37,514	$9,544	$27,970	$5,298,731
12	138	$37,514	$9,494	$28,020	$5,270,711
12	139	$37,514	$9,443	$28,071	$5,242,640
12	140	$37,514	$9,393	$28,121	$5,214,520
12	141	$37,514	$9,343	$28,171	$5,186,348
12	142	$37,514	$9,292	$28,222	$5,158,126
12	143	$37,514	$9,242	$28,272	$5,129,854
12	144	$37,514	$9,191	$28,323	$5,101,531
13	145	$37,514	$9,140	$28,374	$5,073,157
13	146	$37,514	$9,089	$28,425	$5,044,733
13	147	$37,514	$9,038	$28,475	$5,016,257
13	148	$37,514	$8,987	$28,526	$4,987,731
13	149	$37,514	$8,936	$28,578	$4,959,153
13	150	$37,514	$8,885	$28,629	$4,930,525
13	151	$37,514	$8,834	$28,680	$4,901,844
13	152	$37,514	$8,782	$28,731	$4,873,113
13	153	$37,514	$8,731	$28,783	$4,844,330
13	154	$37,514	$8,679	$28,835	$4,815,495
13	155	$37,514	$8,628	$28,886	$4,786,609
13	156	$37,514	$8,576	$28,938	$4,757,671
14	157	$37,514	$8,524	$28,990	$4,728,682
14	158	$37,514	$8,472	$29,042	$4,699,640
14	159	$37,514	$8,420	$29,094	$4,670,546
14	160	$37,514	$8,368	$29,146	$4,641,400
14	161	$37,514	$8,316	$29,198	$4,612,202
14	162	$37,514	$8,264	$29,250	$4,582,952
14	163	$37,514	$8,211	$29,303	$4,553,649
14	164	$37,514	$8,159	$29,355	$4,524,293
14	165	$37,514	$8,106	$29,408	$4,494,885
14	166	$37,514	$8,053	$29,461	$4,465,425
14	167	$37,514	$8,001	$29,513	$4,435,911
14	168	$37,514	$7,948	$29,566	$4,406,345
15	169	$37,514	$7,895	$29,619	$4,376,726
15	170	$37,514	$7,842	$29,672	$4,347,054
15	171	$37,514	$7,788	$29,725	$4,317,328
15	172	$37,514	$7,735	$29,779	$4,287,549
15	173	$37,514	$7,682	$29,832	$4,257,717
15	174	$37,514	$7,628	$29,886	$4,227,832
15	175	$37,514	$7,575	$29,939	$4,197,893
15	176	$37,514	$7,521	$29,993	$4,167,900
15	177	$37,514	$7,467	$30,046	$4,137,853
15	178	$37,514	$7,414	$30,100	$4,107,753
15	179	$37,514	$7,360	$30,154	$4,077,599
15	180	$37,514	$7,306	$30,208	$4,047,391
16	181	$37,514	$7,252	$30,262	$4,017,128
16	182	$37,514	$7,197	$30,317	$3,986,812
16	183	$37,514	$7,143	$30,371	$3,956,441
16	184	$37,514	$7,089	$30,425	$3,926,015
16	185	$37,514	$7,034	$30,480	$3,895,536
16	186	$37,514	$6,980	$30,534	$3,865,001
16	187	$37,514	$6,925	$30,589	$3,834,412
16	188	$37,514	$6,870	$30,644	$3,803,768
16	189	$37,514	$6,815	$30,699	$3,773,069
16	190	$37,514	$6,760	$30,754	$3,742,315
16	191	$37,514	$6,705	$30,809	$3,711,506
16	192	$37,514	$6,650	$30,864	$3,680,642
17	193	$37,514	$6,594	$30,919	$3,649,723
17	194	$37,514	$6,539	$30,975	$3,618,748
17	195	$37,514	$6,484	$31,030	$3,587,717
17	196	$37,514	$6,428	$31,086	$3,556,631
17	197	$37,514	$6,372	$31,142	$3,525,490
17	198	$37,514	$6,317	$31,197	$3,494,292
17	199	$37,514	$6,261	$31,253	$3,463,039
17	200	$37,514	$6,205	$31,309	$3,431,730
17	201	$37,514	$6,149	$31,365	$3,400,364
17	202	$37,514	$6,092	$31,422	$3,368,943
17	203	$37,514	$6,036	$31,478	$3,337,465
17	204	$37,514	$5,980	$31,534	$3,305,930
18	205	$37,514	$5,923	$31,591	$3,274,339
18	206	$37,514	$5,867	$31,647	$3,242,692
18	207	$37,514	$5,810	$31,704	$3,210,988
18	208	$37,514	$5,753	$31,761	$3,179,227
18	209	$37,514	$5,696	$31,818	$3,147,409
18	210	$37,514	$5,639	$31,875	$3,115,534
18	211	$37,514	$5,582	$31,932	$3,083,602
18	212	$37,514	$5,525	$31,989	$3,051,613
18	213	$37,514	$5,467	$32,046	$3,019,567
18	214	$37,514	$5,410	$32,104	$2,987,463
18	215	$37,514	$5,353	$32,161	$2,955,301
18	216	$37,514	$5,295	$32,219	$2,923,082
19	217	$37,514	$5,237	$32,277	$2,890,805
19	218	$37,514	$5,179	$32,335	$2,858,471
19	219	$37,514	$5,121	$32,393	$2,826,078
19	220	$37,514	$5,063	$32,451	$2,793,628
19	221	$37,514	$5,005	$32,509	$2,761,119
19	222	$37,514	$4,947	$32,567	$2,728,552
19	223	$37,514	$4,889	$32,625	$2,695,927
19	224	$37,514	$4,830	$32,684	$2,663,243
19	225	$37,514	$4,772	$32,742	$2,630,501
19	226	$37,514	$4,713	$32,801	$2,597,700
19	227	$37,514	$4,654	$32,860	$2,564,840
19	228	$37,514	$4,595	$32,919	$2,531,921
20	229	$37,514	$4,536	$32,978	$2,498,944
20	230	$37,514	$4,477	$33,037	$2,465,907
20	231	$37,514	$4,418	$33,096	$2,432,811
20	232	$37,514	$4,359	$33,155	$2,399,656
20	233	$37,514	$4,299	$33,215	$2,366,442
20	234	$37,514	$4,240	$33,274	$2,333,167
20	235	$37,514	$4,180	$33,334	$2,299,834
20	236	$37,514	$4,121	$33,393	$2,266,440
20	237	$37,514	$4,061	$33,453	$2,232,987
20	238	$37,514	$4,001	$33,513	$2,199,474
20	239	$37,514	$3,941	$33,573	$2,165,901
20	240	$37,514	$3,881	$33,633	$2,132,267
21	241	$37,514	$3,820	$33,694	$2,098,574
21	242	$37,514	$3,760	$33,754	$2,064,820
21	243	$37,514	$3,699	$33,814	$2,031,005
21	244	$37,514	$3,639	$33,875	$1,997,130
21	245	$37,514	$3,578	$33,936	$1,963,194
21	246	$37,514	$3,517	$33,997	$1,929,198
21	247	$37,514	$3,456	$34,057	$1,895,140
21	248	$37,514	$3,395	$34,118	$1,861,022
21	249	$37,514	$3,334	$34,180	$1,826,842
21	250	$37,514	$3,273	$34,241	$1,792,601
21	251	$37,514	$3,212	$34,302	$1,758,299
21	252	$37,514	$3,150	$34,364	$1,723,935
22	253	$37,514	$3,089	$34,425	$1,689,510
22	254	$37,514	$3,027	$34,487	$1,655,023
22	255	$37,514	$2,965	$34,549	$1,620,475
22	256	$37,514	$2,903	$34,611	$1,585,864
22	257	$37,514	$2,841	$34,673	$1,551,191
22	258	$37,514	$2,779	$34,735	$1,516,457
22	259	$37,514	$2,717	$34,797	$1,481,660
22	260	$37,514	$2,655	$34,859	$1,446,800
22	261	$37,514	$2,592	$34,922	$1,411,878
22	262	$37,514	$2,530	$34,984	$1,376,894
22	263	$37,514	$2,467	$35,047	$1,341,847
22	264	$37,514	$2,404	$35,110	$1,306,737
23	265	$37,514	$2,341	$35,173	$1,271,565
23	266	$37,514	$2,278	$35,236	$1,236,329
23	267	$37,514	$2,215	$35,299	$1,201,030
23	268	$37,514	$2,152	$35,362	$1,165,668
23	269	$37,514	$2,088	$35,425	$1,130,242
23	270	$37,514	$2,025	$35,489	$1,094,753
23	271	$37,514	$1,961	$35,553	$1,059,201
23	272	$37,514	$1,898	$35,616	$1,023,585
23	273	$37,514	$1,834	$35,680	$987,905
23	274	$37,514	$1,770	$35,744	$952,161
23	275	$37,514	$1,706	$35,808	$916,353
23	276	$37,514	$1,642	$35,872	$880,481
24	277	$37,514	$1,578	$35,936	$844,544
24	278	$37,514	$1,513	$36,001	$808,543
24	279	$37,514	$1,449	$36,065	$772,478
24	280	$37,514	$1,384	$36,130	$736,348
24	281	$37,514	$1,319	$36,195	$700,153
24	282	$37,514	$1,254	$36,260	$663,894
24	283	$37,514	$1,189	$36,324	$627,569
24	284	$37,514	$1,124	$36,390	$591,180
24	285	$37,514	$1,059	$36,455	$554,725
24	286	$37,514	$994	$36,520	$518,205
24	287	$37,514	$928	$36,586	$481,620
24	288	$37,514	$863	$36,651	$444,968
25	289	$37,514	$797	$36,717	$408,252
25	290	$37,514	$731	$36,783	$371,469
25	291	$37,514	$666	$36,848	$334,621
25	292	$37,514	$600	$36,914	$297,706
25	293	$37,514	$533	$36,981	$260,726
25	294	$37,514	$467	$37,047	$223,679
25	295	$37,514	$401	$37,113	$186,566
25	296	$37,514	$334	$37,180	$149,386
25	297	$37,514	$268	$37,246	$112,140
25	298	$37,514	$201	$37,313	$74,827
25	299	$37,514	$134	$37,380	$37,447
25	300	$37,514	$67	$37,447	$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$ 5,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,945,000

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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.