Century 21 Centaland Property

Down Payment (HKD)

$2,600,000

Monthly Repayment (HKD)

$16,817

Loan Amount (HKD)

$3,900,000

Total Interest (HKD)

$1,144,980

Total Repayment (HKD)

$5,044,980

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$16,817	$6,988	$9,829	$3,890,171
1	2	$16,817	$6,970	$9,847	$3,880,324
1	3	$16,817	$6,952	$9,864	$3,870,460
1	4	$16,817	$6,935	$9,882	$3,860,578
1	5	$16,817	$6,917	$9,900	$3,850,678
1	6	$16,817	$6,899	$9,917	$3,840,761
1	7	$16,817	$6,881	$9,935	$3,830,825
1	8	$16,817	$6,864	$9,953	$3,820,872
1	9	$16,817	$6,846	$9,971	$3,810,901
1	10	$16,817	$6,828	$9,989	$3,800,913
1	11	$16,817	$6,810	$10,007	$3,790,906
1	12	$16,817	$6,792	$10,025	$3,780,882
2	13	$16,817	$6,774	$10,043	$3,770,839
2	14	$16,817	$6,756	$10,061	$3,760,778
2	15	$16,817	$6,738	$10,079	$3,750,700
2	16	$16,817	$6,720	$10,097	$3,740,603
2	17	$16,817	$6,702	$10,115	$3,730,489
2	18	$16,817	$6,684	$10,133	$3,720,356
2	19	$16,817	$6,666	$10,151	$3,710,205
2	20	$16,817	$6,647	$10,169	$3,700,036
2	21	$16,817	$6,629	$10,187	$3,689,848
2	22	$16,817	$6,611	$10,206	$3,679,643
2	23	$16,817	$6,593	$10,224	$3,669,419
2	24	$16,817	$6,574	$10,242	$3,659,177
3	25	$16,817	$6,556	$10,261	$3,648,916
3	26	$16,817	$6,538	$10,279	$3,638,637
3	27	$16,817	$6,519	$10,297	$3,628,340
3	28	$16,817	$6,501	$10,316	$3,618,024
3	29	$16,817	$6,482	$10,334	$3,607,690
3	30	$16,817	$6,464	$10,353	$3,597,337
3	31	$16,817	$6,445	$10,371	$3,586,965
3	32	$16,817	$6,427	$10,390	$3,576,575
3	33	$16,817	$6,408	$10,409	$3,566,167
3	34	$16,817	$6,389	$10,427	$3,555,740
3	35	$16,817	$6,371	$10,446	$3,545,294
3	36	$16,817	$6,352	$10,465	$3,534,829
4	37	$16,817	$6,333	$10,483	$3,524,346
4	38	$16,817	$6,314	$10,502	$3,513,844
4	39	$16,817	$6,296	$10,521	$3,503,323
4	40	$16,817	$6,277	$10,540	$3,492,783
4	41	$16,817	$6,258	$10,559	$3,482,224
4	42	$16,817	$6,239	$10,578	$3,471,646
4	43	$16,817	$6,220	$10,597	$3,461,050
4	44	$16,817	$6,201	$10,616	$3,450,434
4	45	$16,817	$6,182	$10,635	$3,439,800
4	46	$16,817	$6,163	$10,654	$3,429,146
4	47	$16,817	$6,144	$10,673	$3,418,473
4	48	$16,817	$6,125	$10,692	$3,407,782
5	49	$16,817	$6,106	$10,711	$3,397,071
5	50	$16,817	$6,086	$10,730	$3,386,340
5	51	$16,817	$6,067	$10,749	$3,375,591
5	52	$16,817	$6,048	$10,769	$3,364,822
5	53	$16,817	$6,029	$10,788	$3,354,034
5	54	$16,817	$6,009	$10,807	$3,343,227
5	55	$16,817	$5,990	$10,827	$3,332,400
5	56	$16,817	$5,971	$10,846	$3,321,554
5	57	$16,817	$5,951	$10,865	$3,310,689
5	58	$16,817	$5,932	$10,885	$3,299,804
5	59	$16,817	$5,912	$10,904	$3,288,900
5	60	$16,817	$5,893	$10,924	$3,277,976
6	61	$16,817	$5,873	$10,944	$3,267,032
6	62	$16,817	$5,853	$10,963	$3,256,069
6	63	$16,817	$5,834	$10,983	$3,245,086
6	64	$16,817	$5,814	$11,002	$3,234,084
6	65	$16,817	$5,794	$11,022	$3,223,061
6	66	$16,817	$5,775	$11,042	$3,212,019
6	67	$16,817	$5,755	$11,062	$3,200,958
6	68	$16,817	$5,735	$11,082	$3,189,876
6	69	$16,817	$5,715	$11,101	$3,178,775
6	70	$16,817	$5,695	$11,121	$3,167,653
6	71	$16,817	$5,675	$11,141	$3,156,512
6	72	$16,817	$5,655	$11,161	$3,145,351
7	73	$16,817	$5,635	$11,181	$3,134,170
7	74	$16,817	$5,615	$11,201	$3,122,969
7	75	$16,817	$5,595	$11,221	$3,111,747
7	76	$16,817	$5,575	$11,241	$3,100,506
7	77	$16,817	$5,555	$11,262	$3,089,244
7	78	$16,817	$5,535	$11,282	$3,077,963
7	79	$16,817	$5,515	$11,302	$3,066,661
7	80	$16,817	$5,494	$11,322	$3,055,339
7	81	$16,817	$5,474	$11,342	$3,043,996
7	82	$16,817	$5,454	$11,363	$3,032,633
7	83	$16,817	$5,433	$11,383	$3,021,250
7	84	$16,817	$5,413	$11,404	$3,009,847
8	85	$16,817	$5,393	$11,424	$2,998,423
8	86	$16,817	$5,372	$11,444	$2,986,978
8	87	$16,817	$5,352	$11,465	$2,975,513
8	88	$16,817	$5,331	$11,485	$2,964,028
8	89	$16,817	$5,311	$11,506	$2,952,522
8	90	$16,817	$5,290	$11,527	$2,940,995
8	91	$16,817	$5,269	$11,547	$2,929,448
8	92	$16,817	$5,249	$11,568	$2,917,880
8	93	$16,817	$5,228	$11,589	$2,906,291
8	94	$16,817	$5,207	$11,609	$2,894,682
8	95	$16,817	$5,186	$11,630	$2,883,051
8	96	$16,817	$5,165	$11,651	$2,871,400
9	97	$16,817	$5,145	$11,672	$2,859,728
9	98	$16,817	$5,124	$11,693	$2,848,035
9	99	$16,817	$5,103	$11,714	$2,836,321
9	100	$16,817	$5,082	$11,735	$2,824,587
9	101	$16,817	$5,061	$11,756	$2,812,831
9	102	$16,817	$5,040	$11,777	$2,801,054
9	103	$16,817	$5,019	$11,798	$2,789,256
9	104	$16,817	$4,997	$11,819	$2,777,436
9	105	$16,817	$4,976	$11,840	$2,765,596
9	106	$16,817	$4,955	$11,862	$2,753,735
9	107	$16,817	$4,934	$11,883	$2,741,852
9	108	$16,817	$4,912	$11,904	$2,729,948
10	109	$16,817	$4,891	$11,925	$2,718,022
10	110	$16,817	$4,870	$11,947	$2,706,075
10	111	$16,817	$4,848	$11,968	$2,694,107
10	112	$16,817	$4,827	$11,990	$2,682,117
10	113	$16,817	$4,805	$12,011	$2,670,106
10	114	$16,817	$4,784	$12,033	$2,658,074
10	115	$16,817	$4,762	$12,054	$2,646,019
10	116	$16,817	$4,741	$12,076	$2,633,944
10	117	$16,817	$4,719	$12,097	$2,621,846
10	118	$16,817	$4,697	$12,119	$2,609,727
10	119	$16,817	$4,676	$12,141	$2,597,586
10	120	$16,817	$4,654	$12,163	$2,585,424
11	121	$16,817	$4,632	$12,184	$2,573,239
11	122	$16,817	$4,610	$12,206	$2,561,033
11	123	$16,817	$4,589	$12,228	$2,548,805
11	124	$16,817	$4,567	$12,250	$2,536,555
11	125	$16,817	$4,545	$12,272	$2,524,283
11	126	$16,817	$4,523	$12,294	$2,511,989
11	127	$16,817	$4,501	$12,316	$2,499,673
11	128	$16,817	$4,479	$12,338	$2,487,335
11	129	$16,817	$4,456	$12,360	$2,474,975
11	130	$16,817	$4,434	$12,382	$2,462,593
11	131	$16,817	$4,412	$12,404	$2,450,188
11	132	$16,817	$4,390	$12,427	$2,437,762
12	133	$16,817	$4,368	$12,449	$2,425,313
12	134	$16,817	$4,345	$12,471	$2,412,841
12	135	$16,817	$4,323	$12,494	$2,400,348
12	136	$16,817	$4,301	$12,516	$2,387,832
12	137	$16,817	$4,278	$12,538	$2,375,293
12	138	$16,817	$4,256	$12,561	$2,362,733
12	139	$16,817	$4,233	$12,583	$2,350,149
12	140	$16,817	$4,211	$12,606	$2,337,543
12	141	$16,817	$4,188	$12,629	$2,324,915
12	142	$16,817	$4,165	$12,651	$2,312,264
12	143	$16,817	$4,143	$12,674	$2,299,590
12	144	$16,817	$4,120	$12,697	$2,286,893
13	145	$16,817	$4,097	$12,719	$2,274,174
13	146	$16,817	$4,075	$12,742	$2,261,432
13	147	$16,817	$4,052	$12,765	$2,248,667
13	148	$16,817	$4,029	$12,788	$2,235,879
13	149	$16,817	$4,006	$12,811	$2,223,069
13	150	$16,817	$3,983	$12,834	$2,210,235
13	151	$16,817	$3,960	$12,857	$2,197,379
13	152	$16,817	$3,937	$12,880	$2,184,499
13	153	$16,817	$3,914	$12,903	$2,171,596
13	154	$16,817	$3,891	$12,926	$2,158,670
13	155	$16,817	$3,868	$12,949	$2,145,721
13	156	$16,817	$3,844	$12,972	$2,132,749
14	157	$16,817	$3,821	$12,995	$2,119,754
14	158	$16,817	$3,798	$13,019	$2,106,735
14	159	$16,817	$3,775	$13,042	$2,093,693
14	160	$16,817	$3,751	$13,065	$2,080,628
14	161	$16,817	$3,728	$13,089	$2,067,539
14	162	$16,817	$3,704	$13,112	$2,054,427
14	163	$16,817	$3,681	$13,136	$2,041,291
14	164	$16,817	$3,657	$13,159	$2,028,132
14	165	$16,817	$3,634	$13,183	$2,014,949
14	166	$16,817	$3,610	$13,206	$2,001,742
14	167	$16,817	$3,586	$13,230	$1,988,512
14	168	$16,817	$3,563	$13,254	$1,975,258
15	169	$16,817	$3,539	$13,278	$1,961,981
15	170	$16,817	$3,515	$13,301	$1,948,679
15	171	$16,817	$3,491	$13,325	$1,935,354
15	172	$16,817	$3,468	$13,349	$1,922,005
15	173	$16,817	$3,444	$13,373	$1,908,632
15	174	$16,817	$3,420	$13,397	$1,895,235
15	175	$16,817	$3,396	$13,421	$1,881,814
15	176	$16,817	$3,372	$13,445	$1,868,369
15	177	$16,817	$3,347	$13,469	$1,854,900
15	178	$16,817	$3,323	$13,493	$1,841,407
15	179	$16,817	$3,299	$13,517	$1,827,889
15	180	$16,817	$3,275	$13,542	$1,814,348
16	181	$16,817	$3,251	$13,566	$1,800,782
16	182	$16,817	$3,226	$13,590	$1,787,191
16	183	$16,817	$3,202	$13,615	$1,773,577
16	184	$16,817	$3,178	$13,639	$1,759,938
16	185	$16,817	$3,153	$13,663	$1,746,275
16	186	$16,817	$3,129	$13,688	$1,732,587
16	187	$16,817	$3,104	$13,712	$1,718,874
16	188	$16,817	$3,080	$13,737	$1,705,137
16	189	$16,817	$3,055	$13,762	$1,691,376
16	190	$16,817	$3,030	$13,786	$1,677,590
16	191	$16,817	$3,006	$13,811	$1,663,779
16	192	$16,817	$2,981	$13,836	$1,649,943
17	193	$16,817	$2,956	$13,860	$1,636,083
17	194	$16,817	$2,931	$13,885	$1,622,197
17	195	$16,817	$2,906	$13,910	$1,608,287
17	196	$16,817	$2,882	$13,935	$1,594,352
17	197	$16,817	$2,857	$13,960	$1,580,392
17	198	$16,817	$2,832	$13,985	$1,566,407
17	199	$16,817	$2,806	$14,010	$1,552,397
17	200	$16,817	$2,781	$14,035	$1,538,362
17	201	$16,817	$2,756	$14,060	$1,524,301
17	202	$16,817	$2,731	$14,086	$1,510,216
17	203	$16,817	$2,706	$14,111	$1,496,105
17	204	$16,817	$2,681	$14,136	$1,481,969
18	205	$16,817	$2,655	$14,161	$1,467,807
18	206	$16,817	$2,630	$14,187	$1,453,621
18	207	$16,817	$2,604	$14,212	$1,439,408
18	208	$16,817	$2,579	$14,238	$1,425,171
18	209	$16,817	$2,553	$14,263	$1,410,908
18	210	$16,817	$2,528	$14,289	$1,396,619
18	211	$16,817	$2,502	$14,314	$1,382,304
18	212	$16,817	$2,477	$14,340	$1,367,964
18	213	$16,817	$2,451	$14,366	$1,353,599
18	214	$16,817	$2,425	$14,391	$1,339,207
18	215	$16,817	$2,399	$14,417	$1,324,790
18	216	$16,817	$2,374	$14,443	$1,310,347
19	217	$16,817	$2,348	$14,469	$1,295,878
19	218	$16,817	$2,322	$14,495	$1,281,384
19	219	$16,817	$2,296	$14,521	$1,266,863
19	220	$16,817	$2,270	$14,547	$1,252,316
19	221	$16,817	$2,244	$14,573	$1,237,743
19	222	$16,817	$2,218	$14,599	$1,223,144
19	223	$16,817	$2,191	$14,625	$1,208,519
19	224	$16,817	$2,165	$14,651	$1,193,868
19	225	$16,817	$2,139	$14,678	$1,179,190
19	226	$16,817	$2,113	$14,704	$1,164,486
19	227	$16,817	$2,086	$14,730	$1,149,756
19	228	$16,817	$2,060	$14,757	$1,134,999
20	229	$16,817	$2,034	$14,783	$1,120,216
20	230	$16,817	$2,007	$14,810	$1,105,407
20	231	$16,817	$1,981	$14,836	$1,090,571
20	232	$16,817	$1,954	$14,863	$1,075,708
20	233	$16,817	$1,927	$14,889	$1,060,819
20	234	$16,817	$1,901	$14,916	$1,045,903
20	235	$16,817	$1,874	$14,943	$1,030,960
20	236	$16,817	$1,847	$14,969	$1,015,990
20	237	$16,817	$1,820	$14,996	$1,000,994
20	238	$16,817	$1,793	$15,023	$985,971
20	239	$16,817	$1,767	$15,050	$970,921
20	240	$16,817	$1,740	$15,077	$955,844
21	241	$16,817	$1,713	$15,104	$940,740
21	242	$16,817	$1,685	$15,131	$925,609
21	243	$16,817	$1,658	$15,158	$910,451
21	244	$16,817	$1,631	$15,185	$895,265
21	245	$16,817	$1,604	$15,213	$880,053
21	246	$16,817	$1,577	$15,240	$864,813
21	247	$16,817	$1,549	$15,267	$849,546
21	248	$16,817	$1,522	$15,294	$834,251
21	249	$16,817	$1,495	$15,322	$818,929
21	250	$16,817	$1,467	$15,349	$803,580
21	251	$16,817	$1,440	$15,377	$788,203
21	252	$16,817	$1,412	$15,404	$772,799
22	253	$16,817	$1,385	$15,432	$757,367
22	254	$16,817	$1,357	$15,460	$741,907
22	255	$16,817	$1,329	$15,487	$726,420
22	256	$16,817	$1,302	$15,515	$710,905
22	257	$16,817	$1,274	$15,543	$695,362
22	258	$16,817	$1,246	$15,571	$679,791
22	259	$16,817	$1,218	$15,599	$664,192
22	260	$16,817	$1,190	$15,627	$648,566
22	261	$16,817	$1,162	$15,655	$632,911
22	262	$16,817	$1,134	$15,683	$617,228
22	263	$16,817	$1,106	$15,711	$601,518
22	264	$16,817	$1,078	$15,739	$585,779
23	265	$16,817	$1,050	$15,767	$570,012
23	266	$16,817	$1,021	$15,795	$554,216
23	267	$16,817	$993	$15,824	$538,393
23	268	$16,817	$965	$15,852	$522,541
23	269	$16,817	$936	$15,880	$506,660
23	270	$16,817	$908	$15,909	$490,752
23	271	$16,817	$879	$15,937	$474,814
23	272	$16,817	$851	$15,966	$458,848
23	273	$16,817	$822	$15,994	$442,854
23	274	$16,817	$793	$16,023	$426,831
23	275	$16,817	$765	$16,052	$410,779
23	276	$16,817	$736	$16,081	$394,698
24	277	$16,817	$707	$16,109	$378,589
24	278	$16,817	$678	$16,138	$362,450
24	279	$16,817	$649	$16,167	$346,283
24	280	$16,817	$620	$16,196	$330,087
24	281	$16,817	$591	$16,225	$313,862
24	282	$16,817	$562	$16,254	$297,608
24	283	$16,817	$533	$16,283	$281,324
24	284	$16,817	$504	$16,313	$265,012
24	285	$16,817	$475	$16,342	$248,670
24	286	$16,817	$446	$16,371	$232,299
24	287	$16,817	$416	$16,400	$215,898
24	288	$16,817	$387	$16,430	$199,469
25	289	$16,817	$357	$16,459	$183,009
25	290	$16,817	$328	$16,489	$166,521
25	291	$16,817	$298	$16,518	$150,002
25	292	$16,817	$269	$16,548	$133,455
25	293	$16,817	$239	$16,577	$116,877
25	294	$16,817	$209	$16,607	$100,270
25	295	$16,817	$180	$16,637	$83,633
25	296	$16,817	$150	$16,667	$66,966
25	297	$16,817	$120	$16,697	$50,270
25	298	$16,817	$90	$16,727	$33,543
25	299	$16,817	$60	$16,757	$16,787
25	300	$16,817	$30	$16,787	$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$ 2,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,665,000

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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.