Century 21 Centaland Property

Down Payment (HKD)

$4,480,000

Monthly Repayment (HKD)

$28,976

Loan Amount (HKD)

$6,720,000

Total Interest (HKD)

$1,972,889

Total Repayment (HKD)

$8,692,889

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$28,976	$12,040	$16,936	$6,703,064
1	2	$28,976	$12,010	$16,967	$6,686,097
1	3	$28,976	$11,979	$16,997	$6,669,100
1	4	$28,976	$11,949	$17,027	$6,652,073
1	5	$28,976	$11,918	$17,058	$6,635,015
1	6	$28,976	$11,888	$17,089	$6,617,926
1	7	$28,976	$11,857	$17,119	$6,600,807
1	8	$28,976	$11,826	$17,150	$6,583,657
1	9	$28,976	$11,796	$17,181	$6,566,476
1	10	$28,976	$11,765	$17,211	$6,549,265
1	11	$28,976	$11,734	$17,242	$6,532,023
1	12	$28,976	$11,703	$17,273	$6,514,750
2	13	$28,976	$11,672	$17,304	$6,497,446
2	14	$28,976	$11,641	$17,335	$6,480,111
2	15	$28,976	$11,610	$17,366	$6,462,745
2	16	$28,976	$11,579	$17,397	$6,445,347
2	17	$28,976	$11,548	$17,428	$6,427,919
2	18	$28,976	$11,517	$17,460	$6,410,459
2	19	$28,976	$11,485	$17,491	$6,392,968
2	20	$28,976	$11,454	$17,522	$6,375,446
2	21	$28,976	$11,423	$17,554	$6,357,893
2	22	$28,976	$11,391	$17,585	$6,340,307
2	23	$28,976	$11,360	$17,617	$6,322,691
2	24	$28,976	$11,328	$17,648	$6,305,043
3	25	$28,976	$11,297	$17,680	$6,287,363
3	26	$28,976	$11,265	$17,711	$6,269,652
3	27	$28,976	$11,233	$17,743	$6,251,908
3	28	$28,976	$11,201	$17,775	$6,234,133
3	29	$28,976	$11,169	$17,807	$6,216,327
3	30	$28,976	$11,138	$17,839	$6,198,488
3	31	$28,976	$11,106	$17,871	$6,180,617
3	32	$28,976	$11,074	$17,903	$6,162,715
3	33	$28,976	$11,042	$17,935	$6,144,780
3	34	$28,976	$11,009	$17,967	$6,126,813
3	35	$28,976	$10,977	$17,999	$6,108,814
3	36	$28,976	$10,945	$18,031	$6,090,782
4	37	$28,976	$10,913	$18,064	$6,072,719
4	38	$28,976	$10,880	$18,096	$6,054,623
4	39	$28,976	$10,848	$18,128	$6,036,494
4	40	$28,976	$10,815	$18,161	$6,018,333
4	41	$28,976	$10,783	$18,193	$6,000,140
4	42	$28,976	$10,750	$18,226	$5,981,914
4	43	$28,976	$10,718	$18,259	$5,963,655
4	44	$28,976	$10,685	$18,291	$5,945,364
4	45	$28,976	$10,652	$18,324	$5,927,040
4	46	$28,976	$10,619	$18,357	$5,908,683
4	47	$28,976	$10,586	$18,390	$5,890,293
4	48	$28,976	$10,553	$18,423	$5,871,870
5	49	$28,976	$10,520	$18,456	$5,853,414
5	50	$28,976	$10,487	$18,489	$5,834,925
5	51	$28,976	$10,454	$18,522	$5,816,403
5	52	$28,976	$10,421	$18,555	$5,797,848
5	53	$28,976	$10,388	$18,588	$5,779,259
5	54	$28,976	$10,355	$18,622	$5,760,637
5	55	$28,976	$10,321	$18,655	$5,741,982
5	56	$28,976	$10,288	$18,689	$5,723,294
5	57	$28,976	$10,254	$18,722	$5,704,572
5	58	$28,976	$10,221	$18,756	$5,685,816
5	59	$28,976	$10,187	$18,789	$5,667,027
5	60	$28,976	$10,153	$18,823	$5,648,204
6	61	$28,976	$10,120	$18,857	$5,629,347
6	62	$28,976	$10,086	$18,890	$5,610,457
6	63	$28,976	$10,052	$18,924	$5,591,533
6	64	$28,976	$10,018	$18,958	$5,572,575
6	65	$28,976	$9,984	$18,992	$5,553,583
6	66	$28,976	$9,950	$19,026	$5,534,556
6	67	$28,976	$9,916	$19,060	$5,515,496
6	68	$28,976	$9,882	$19,094	$5,496,402
6	69	$28,976	$9,848	$19,129	$5,477,273
6	70	$28,976	$9,813	$19,163	$5,458,110
6	71	$28,976	$9,779	$19,197	$5,438,913
6	72	$28,976	$9,745	$19,232	$5,419,682
7	73	$28,976	$9,710	$19,266	$5,400,416
7	74	$28,976	$9,676	$19,301	$5,381,115
7	75	$28,976	$9,641	$19,335	$5,361,780
7	76	$28,976	$9,607	$19,370	$5,342,410
7	77	$28,976	$9,572	$19,404	$5,323,006
7	78	$28,976	$9,537	$19,439	$5,303,566
7	79	$28,976	$9,502	$19,474	$5,284,092
7	80	$28,976	$9,467	$19,509	$5,264,583
7	81	$28,976	$9,432	$19,544	$5,245,039
7	82	$28,976	$9,397	$19,579	$5,225,461
7	83	$28,976	$9,362	$19,614	$5,205,847
7	84	$28,976	$9,327	$19,649	$5,186,197
8	85	$28,976	$9,292	$19,684	$5,166,513
8	86	$28,976	$9,257	$19,720	$5,146,793
8	87	$28,976	$9,221	$19,755	$5,127,038
8	88	$28,976	$9,186	$19,790	$5,107,248
8	89	$28,976	$9,150	$19,826	$5,087,422
8	90	$28,976	$9,115	$19,861	$5,067,561
8	91	$28,976	$9,079	$19,897	$5,047,664
8	92	$28,976	$9,044	$19,933	$5,027,731
8	93	$28,976	$9,008	$19,968	$5,007,763
8	94	$28,976	$8,972	$20,004	$4,987,759
8	95	$28,976	$8,936	$20,040	$4,967,719
8	96	$28,976	$8,900	$20,076	$4,947,643
9	97	$28,976	$8,865	$20,112	$4,927,532
9	98	$28,976	$8,828	$20,148	$4,907,384
9	99	$28,976	$8,792	$20,184	$4,887,200
9	100	$28,976	$8,756	$20,220	$4,866,980
9	101	$28,976	$8,720	$20,256	$4,846,724
9	102	$28,976	$8,684	$20,293	$4,826,431
9	103	$28,976	$8,647	$20,329	$4,806,102
9	104	$28,976	$8,611	$20,365	$4,785,737
9	105	$28,976	$8,574	$20,402	$4,765,335
9	106	$28,976	$8,538	$20,438	$4,744,896
9	107	$28,976	$8,501	$20,475	$4,724,421
9	108	$28,976	$8,465	$20,512	$4,703,910
10	109	$28,976	$8,428	$20,548	$4,683,361
10	110	$28,976	$8,391	$20,585	$4,662,776
10	111	$28,976	$8,354	$20,622	$4,642,154
10	112	$28,976	$8,317	$20,659	$4,621,495
10	113	$28,976	$8,280	$20,696	$4,600,799
10	114	$28,976	$8,243	$20,733	$4,580,065
10	115	$28,976	$8,206	$20,770	$4,559,295
10	116	$28,976	$8,169	$20,808	$4,538,487
10	117	$28,976	$8,131	$20,845	$4,517,643
10	118	$28,976	$8,094	$20,882	$4,496,760
10	119	$28,976	$8,057	$20,920	$4,475,841
10	120	$28,976	$8,019	$20,957	$4,454,884
11	121	$28,976	$7,982	$20,995	$4,433,889
11	122	$28,976	$7,944	$21,032	$4,412,857
11	123	$28,976	$7,906	$21,070	$4,391,787
11	124	$28,976	$7,869	$21,108	$4,370,679
11	125	$28,976	$7,831	$21,145	$4,349,534
11	126	$28,976	$7,793	$21,183	$4,328,350
11	127	$28,976	$7,755	$21,221	$4,307,129
11	128	$28,976	$7,717	$21,259	$4,285,870
11	129	$28,976	$7,679	$21,297	$4,264,572
11	130	$28,976	$7,641	$21,336	$4,243,237
11	131	$28,976	$7,602	$21,374	$4,221,863
11	132	$28,976	$7,564	$21,412	$4,200,451
12	133	$28,976	$7,526	$21,450	$4,179,000
12	134	$28,976	$7,487	$21,489	$4,157,511
12	135	$28,976	$7,449	$21,527	$4,135,984
12	136	$28,976	$7,410	$21,566	$4,114,418
12	137	$28,976	$7,372	$21,605	$4,092,813
12	138	$28,976	$7,333	$21,643	$4,071,170
12	139	$28,976	$7,294	$21,682	$4,049,488
12	140	$28,976	$7,255	$21,721	$4,027,767
12	141	$28,976	$7,216	$21,760	$4,006,007
12	142	$28,976	$7,177	$21,799	$3,984,208
12	143	$28,976	$7,138	$21,838	$3,962,370
12	144	$28,976	$7,099	$21,877	$3,940,493
13	145	$28,976	$7,060	$21,916	$3,918,577
13	146	$28,976	$7,021	$21,956	$3,896,621
13	147	$28,976	$6,981	$21,995	$3,874,626
13	148	$28,976	$6,942	$22,034	$3,852,592
13	149	$28,976	$6,903	$22,074	$3,830,518
13	150	$28,976	$6,863	$22,113	$3,808,405
13	151	$28,976	$6,823	$22,153	$3,786,252
13	152	$28,976	$6,784	$22,193	$3,764,060
13	153	$28,976	$6,744	$22,232	$3,741,827
13	154	$28,976	$6,704	$22,272	$3,719,555
13	155	$28,976	$6,664	$22,312	$3,697,243
13	156	$28,976	$6,624	$22,352	$3,674,891
14	157	$28,976	$6,584	$22,392	$3,652,499
14	158	$28,976	$6,544	$22,432	$3,630,067
14	159	$28,976	$6,504	$22,472	$3,607,594
14	160	$28,976	$6,464	$22,513	$3,585,081
14	161	$28,976	$6,423	$22,553	$3,562,528
14	162	$28,976	$6,383	$22,593	$3,539,935
14	163	$28,976	$6,342	$22,634	$3,517,301
14	164	$28,976	$6,302	$22,674	$3,494,627
14	165	$28,976	$6,261	$22,715	$3,471,912
14	166	$28,976	$6,221	$22,756	$3,449,156
14	167	$28,976	$6,180	$22,797	$3,426,359
14	168	$28,976	$6,139	$22,837	$3,403,522
15	169	$28,976	$6,098	$22,878	$3,380,643
15	170	$28,976	$6,057	$22,919	$3,357,724
15	171	$28,976	$6,016	$22,960	$3,334,764
15	172	$28,976	$5,975	$23,002	$3,311,762
15	173	$28,976	$5,934	$23,043	$3,288,720
15	174	$28,976	$5,892	$23,084	$3,265,636
15	175	$28,976	$5,851	$23,125	$3,242,510
15	176	$28,976	$5,809	$23,167	$3,219,343
15	177	$28,976	$5,768	$23,208	$3,196,135
15	178	$28,976	$5,726	$23,250	$3,172,885
15	179	$28,976	$5,685	$23,292	$3,149,594
15	180	$28,976	$5,643	$23,333	$3,126,260
16	181	$28,976	$5,601	$23,375	$3,102,885
16	182	$28,976	$5,559	$23,417	$3,079,468
16	183	$28,976	$5,517	$23,459	$3,056,009
16	184	$28,976	$5,475	$23,501	$3,032,508
16	185	$28,976	$5,433	$23,543	$3,008,965
16	186	$28,976	$5,391	$23,585	$2,985,380
16	187	$28,976	$5,349	$23,627	$2,961,753
16	188	$28,976	$5,306	$23,670	$2,938,083
16	189	$28,976	$5,264	$23,712	$2,914,371
16	190	$28,976	$5,222	$23,755	$2,890,616
16	191	$28,976	$5,179	$23,797	$2,866,819
16	192	$28,976	$5,136	$23,840	$2,842,979
17	193	$28,976	$5,094	$23,883	$2,819,096
17	194	$28,976	$5,051	$23,925	$2,795,171
17	195	$28,976	$5,008	$23,968	$2,771,202
17	196	$28,976	$4,965	$24,011	$2,747,191
17	197	$28,976	$4,922	$24,054	$2,723,137
17	198	$28,976	$4,879	$24,097	$2,699,040
17	199	$28,976	$4,836	$24,141	$2,674,899
17	200	$28,976	$4,793	$24,184	$2,650,715
17	201	$28,976	$4,749	$24,227	$2,626,488
17	202	$28,976	$4,706	$24,271	$2,602,218
17	203	$28,976	$4,662	$24,314	$2,577,904
17	204	$28,976	$4,619	$24,358	$2,553,546
18	205	$28,976	$4,575	$24,401	$2,529,145
18	206	$28,976	$4,531	$24,445	$2,504,700
18	207	$28,976	$4,488	$24,489	$2,480,211
18	208	$28,976	$4,444	$24,533	$2,455,679
18	209	$28,976	$4,400	$24,577	$2,431,102
18	210	$28,976	$4,356	$24,621	$2,406,482
18	211	$28,976	$4,312	$24,665	$2,381,817
18	212	$28,976	$4,267	$24,709	$2,357,108
18	213	$28,976	$4,223	$24,753	$2,332,355
18	214	$28,976	$4,179	$24,797	$2,307,557
18	215	$28,976	$4,134	$24,842	$2,282,715
18	216	$28,976	$4,090	$24,886	$2,257,829
19	217	$28,976	$4,045	$24,931	$2,232,898
19	218	$28,976	$4,001	$24,976	$2,207,922
19	219	$28,976	$3,956	$25,020	$2,182,902
19	220	$28,976	$3,911	$25,065	$2,157,837
19	221	$28,976	$3,866	$25,110	$2,132,726
19	222	$28,976	$3,821	$25,155	$2,107,571
19	223	$28,976	$3,776	$25,200	$2,082,371
19	224	$28,976	$3,731	$25,245	$2,057,126
19	225	$28,976	$3,686	$25,291	$2,031,835
19	226	$28,976	$3,640	$25,336	$2,006,499
19	227	$28,976	$3,595	$25,381	$1,981,118
19	228	$28,976	$3,550	$25,427	$1,955,691
20	229	$28,976	$3,504	$25,472	$1,930,219
20	230	$28,976	$3,458	$25,518	$1,904,701
20	231	$28,976	$3,413	$25,564	$1,879,137
20	232	$28,976	$3,367	$25,610	$1,853,527
20	233	$28,976	$3,321	$25,655	$1,827,872
20	234	$28,976	$3,275	$25,701	$1,802,171
20	235	$28,976	$3,229	$25,747	$1,776,423
20	236	$28,976	$3,183	$25,794	$1,750,630
20	237	$28,976	$3,137	$25,840	$1,724,790
20	238	$28,976	$3,090	$25,886	$1,698,904
20	239	$28,976	$3,044	$25,932	$1,672,972
20	240	$28,976	$2,997	$25,979	$1,646,993
21	241	$28,976	$2,951	$26,025	$1,620,967
21	242	$28,976	$2,904	$26,072	$1,594,895
21	243	$28,976	$2,858	$26,119	$1,568,776
21	244	$28,976	$2,811	$26,166	$1,542,611
21	245	$28,976	$2,764	$26,212	$1,516,398
21	246	$28,976	$2,717	$26,259	$1,490,139
21	247	$28,976	$2,670	$26,306	$1,463,832
21	248	$28,976	$2,623	$26,354	$1,437,479
21	249	$28,976	$2,575	$26,401	$1,411,078
21	250	$28,976	$2,528	$26,448	$1,384,630
21	251	$28,976	$2,481	$26,496	$1,358,134
21	252	$28,976	$2,433	$26,543	$1,331,591
22	253	$28,976	$2,386	$26,591	$1,305,001
22	254	$28,976	$2,338	$26,638	$1,278,363
22	255	$28,976	$2,290	$26,686	$1,251,677
22	256	$28,976	$2,243	$26,734	$1,224,943
22	257	$28,976	$2,195	$26,782	$1,198,162
22	258	$28,976	$2,147	$26,830	$1,171,332
22	259	$28,976	$2,099	$26,878	$1,144,454
22	260	$28,976	$2,050	$26,926	$1,117,528
22	261	$28,976	$2,002	$26,974	$1,090,554
22	262	$28,976	$1,954	$27,022	$1,063,532
22	263	$28,976	$1,905	$27,071	$1,036,461
22	264	$28,976	$1,857	$27,119	$1,009,342
23	265	$28,976	$1,808	$27,168	$982,174
23	266	$28,976	$1,760	$27,217	$954,957
23	267	$28,976	$1,711	$27,265	$927,692
23	268	$28,976	$1,662	$27,314	$900,378
23	269	$28,976	$1,613	$27,363	$873,015
23	270	$28,976	$1,564	$27,412	$845,603
23	271	$28,976	$1,515	$27,461	$818,141
23	272	$28,976	$1,466	$27,510	$790,631
23	273	$28,976	$1,417	$27,560	$763,071
23	274	$28,976	$1,367	$27,609	$735,462
23	275	$28,976	$1,318	$27,659	$707,803
23	276	$28,976	$1,268	$27,708	$680,095
24	277	$28,976	$1,219	$27,758	$652,338
24	278	$28,976	$1,169	$27,808	$624,530
24	279	$28,976	$1,119	$27,857	$596,673
24	280	$28,976	$1,069	$27,907	$568,765
24	281	$28,976	$1,019	$27,957	$540,808
24	282	$28,976	$969	$28,007	$512,801
24	283	$28,976	$919	$28,058	$484,743
24	284	$28,976	$868	$28,108	$456,635
24	285	$28,976	$818	$28,158	$428,477
24	286	$28,976	$768	$28,209	$400,269
24	287	$28,976	$717	$28,259	$372,010
24	288	$28,976	$667	$28,310	$343,700
25	289	$28,976	$616	$28,361	$315,339
25	290	$28,976	$565	$28,411	$286,928
25	291	$28,976	$514	$28,462	$258,466
25	292	$28,976	$463	$28,513	$229,953
25	293	$28,976	$412	$28,564	$201,388
25	294	$28,976	$361	$28,615	$172,773
25	295	$28,976	$310	$28,667	$144,106
25	296	$28,976	$258	$28,718	$115,388
25	297	$28,976	$207	$28,770	$86,618
25	298	$28,976	$155	$28,821	$57,797
25	299	$28,976	$104	$28,873	$28,924
25	300	$28,976	$52	$28,924	$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$ 4,480,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,592,000

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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.