Century 21 Centaland Property

Down Payment (HKD)

$7,920,000

Monthly Repayment (HKD)

$51,226

Loan Amount (HKD)

$11,880,000

Total Interest (HKD)

$3,487,786

Total Repayment (HKD)

$15,367,786

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$51,226	$21,285	$29,941	$11,850,059
1	2	$51,226	$21,231	$29,995	$11,820,064
1	3	$51,226	$21,178	$30,048	$11,790,016
1	4	$51,226	$21,124	$30,102	$11,759,914
1	5	$51,226	$21,070	$30,156	$11,729,758
1	6	$51,226	$21,016	$30,210	$11,699,548
1	7	$51,226	$20,962	$30,264	$11,669,283
1	8	$51,226	$20,907	$30,318	$11,638,965
1	9	$51,226	$20,853	$30,373	$11,608,592
1	10	$51,226	$20,799	$30,427	$11,578,165
1	11	$51,226	$20,744	$30,482	$11,547,683
1	12	$51,226	$20,690	$30,536	$11,517,147
2	13	$51,226	$20,635	$30,591	$11,486,556
2	14	$51,226	$20,580	$30,646	$11,455,910
2	15	$51,226	$20,525	$30,701	$11,425,209
2	16	$51,226	$20,470	$30,756	$11,394,453
2	17	$51,226	$20,415	$30,811	$11,363,642
2	18	$51,226	$20,360	$30,866	$11,332,776
2	19	$51,226	$20,305	$30,921	$11,301,855
2	20	$51,226	$20,249	$30,977	$11,270,878
2	21	$51,226	$20,194	$31,032	$11,239,846
2	22	$51,226	$20,138	$31,088	$11,208,758
2	23	$51,226	$20,082	$31,144	$11,177,614
2	24	$51,226	$20,027	$31,199	$11,146,415
3	25	$51,226	$19,971	$31,255	$11,115,160
3	26	$51,226	$19,915	$31,311	$11,083,848
3	27	$51,226	$19,859	$31,367	$11,052,481
3	28	$51,226	$19,802	$31,424	$11,021,057
3	29	$51,226	$19,746	$31,480	$10,989,577
3	30	$51,226	$19,690	$31,536	$10,958,041
3	31	$51,226	$19,633	$31,593	$10,926,448
3	32	$51,226	$19,577	$31,649	$10,894,799
3	33	$51,226	$19,520	$31,706	$10,863,093
3	34	$51,226	$19,463	$31,763	$10,831,330
3	35	$51,226	$19,406	$31,820	$10,799,510
3	36	$51,226	$19,349	$31,877	$10,767,633
4	37	$51,226	$19,292	$31,934	$10,735,699
4	38	$51,226	$19,235	$31,991	$10,703,708
4	39	$51,226	$19,177	$32,048	$10,671,660
4	40	$51,226	$19,120	$32,106	$10,639,554
4	41	$51,226	$19,063	$32,163	$10,607,390
4	42	$51,226	$19,005	$32,221	$10,575,169
4	43	$51,226	$18,947	$32,279	$10,542,891
4	44	$51,226	$18,889	$32,337	$10,510,554
4	45	$51,226	$18,831	$32,395	$10,478,159
4	46	$51,226	$18,773	$32,453	$10,445,707
4	47	$51,226	$18,715	$32,511	$10,413,196
4	48	$51,226	$18,657	$32,569	$10,380,627
5	49	$51,226	$18,599	$32,627	$10,348,000
5	50	$51,226	$18,540	$32,686	$10,315,314
5	51	$51,226	$18,482	$32,744	$10,282,570
5	52	$51,226	$18,423	$32,803	$10,249,767
5	53	$51,226	$18,364	$32,862	$10,216,905
5	54	$51,226	$18,305	$32,921	$10,183,984
5	55	$51,226	$18,246	$32,980	$10,151,004
5	56	$51,226	$18,187	$33,039	$10,117,966
5	57	$51,226	$18,128	$33,098	$10,084,868
5	58	$51,226	$18,069	$33,157	$10,051,711
5	59	$51,226	$18,009	$33,217	$10,018,494
5	60	$51,226	$17,950	$33,276	$9,985,218
6	61	$51,226	$17,890	$33,336	$9,951,882
6	62	$51,226	$17,830	$33,395	$9,918,487
6	63	$51,226	$17,771	$33,455	$9,885,031
6	64	$51,226	$17,711	$33,515	$9,851,516
6	65	$51,226	$17,651	$33,575	$9,817,941
6	66	$51,226	$17,590	$33,635	$9,784,305
6	67	$51,226	$17,530	$33,696	$9,750,609
6	68	$51,226	$17,470	$33,756	$9,716,853
6	69	$51,226	$17,409	$33,817	$9,683,037
6	70	$51,226	$17,349	$33,877	$9,649,159
6	71	$51,226	$17,288	$33,938	$9,615,222
6	72	$51,226	$17,227	$33,999	$9,581,223
7	73	$51,226	$17,166	$34,060	$9,547,163
7	74	$51,226	$17,105	$34,121	$9,513,043
7	75	$51,226	$17,044	$34,182	$9,478,861
7	76	$51,226	$16,983	$34,243	$9,444,618
7	77	$51,226	$16,922	$34,304	$9,410,314
7	78	$51,226	$16,860	$34,366	$9,375,948
7	79	$51,226	$16,799	$34,427	$9,341,520
7	80	$51,226	$16,737	$34,489	$9,307,031
7	81	$51,226	$16,675	$34,551	$9,272,481
7	82	$51,226	$16,613	$34,613	$9,237,868
7	83	$51,226	$16,551	$34,675	$9,203,193
7	84	$51,226	$16,489	$34,737	$9,168,456
8	85	$51,226	$16,427	$34,799	$9,133,657
8	86	$51,226	$16,364	$34,861	$9,098,795
8	87	$51,226	$16,302	$34,924	$9,063,872
8	88	$51,226	$16,239	$34,987	$9,028,885
8	89	$51,226	$16,177	$35,049	$8,993,836
8	90	$51,226	$16,114	$35,112	$8,958,724
8	91	$51,226	$16,051	$35,175	$8,923,549
8	92	$51,226	$15,988	$35,238	$8,888,311
8	93	$51,226	$15,925	$35,301	$8,853,010
8	94	$51,226	$15,862	$35,364	$8,817,646
8	95	$51,226	$15,798	$35,428	$8,782,218
8	96	$51,226	$15,735	$35,491	$8,746,727
9	97	$51,226	$15,671	$35,555	$8,711,172
9	98	$51,226	$15,608	$35,618	$8,675,554
9	99	$51,226	$15,544	$35,682	$8,639,871
9	100	$51,226	$15,480	$35,746	$8,604,125
9	101	$51,226	$15,416	$35,810	$8,568,315
9	102	$51,226	$15,352	$35,874	$8,532,441
9	103	$51,226	$15,287	$35,939	$8,496,502
9	104	$51,226	$15,223	$36,003	$8,460,499
9	105	$51,226	$15,158	$36,068	$8,424,431
9	106	$51,226	$15,094	$36,132	$8,388,299
9	107	$51,226	$15,029	$36,197	$8,352,102
9	108	$51,226	$14,964	$36,262	$8,315,840
10	109	$51,226	$14,899	$36,327	$8,279,514
10	110	$51,226	$14,834	$36,392	$8,243,122
10	111	$51,226	$14,769	$36,457	$8,206,665
10	112	$51,226	$14,704	$36,522	$8,170,142
10	113	$51,226	$14,638	$36,588	$8,133,555
10	114	$51,226	$14,573	$36,653	$8,096,901
10	115	$51,226	$14,507	$36,719	$8,060,182
10	116	$51,226	$14,441	$36,785	$8,023,397
10	117	$51,226	$14,375	$36,851	$7,986,547
10	118	$51,226	$14,309	$36,917	$7,949,630
10	119	$51,226	$14,243	$36,983	$7,912,647
10	120	$51,226	$14,177	$37,049	$7,875,598
11	121	$51,226	$14,110	$37,116	$7,838,483
11	122	$51,226	$14,044	$37,182	$7,801,301
11	123	$51,226	$13,977	$37,249	$7,764,052
11	124	$51,226	$13,911	$37,315	$7,726,737
11	125	$51,226	$13,844	$37,382	$7,689,354
11	126	$51,226	$13,777	$37,449	$7,651,905
11	127	$51,226	$13,710	$37,516	$7,614,389
11	128	$51,226	$13,642	$37,584	$7,576,805
11	129	$51,226	$13,575	$37,651	$7,539,155
11	130	$51,226	$13,508	$37,718	$7,501,436
11	131	$51,226	$13,440	$37,786	$7,463,650
11	132	$51,226	$13,372	$37,854	$7,425,797
12	133	$51,226	$13,305	$37,921	$7,387,875
12	134	$51,226	$13,237	$37,989	$7,349,886
12	135	$51,226	$13,169	$38,057	$7,311,829
12	136	$51,226	$13,100	$38,126	$7,273,703
12	137	$51,226	$13,032	$38,194	$7,235,509
12	138	$51,226	$12,964	$38,262	$7,197,247
12	139	$51,226	$12,895	$38,331	$7,158,916
12	140	$51,226	$12,826	$38,400	$7,120,516
12	141	$51,226	$12,758	$38,468	$7,082,048
12	142	$51,226	$12,689	$38,537	$7,043,511
12	143	$51,226	$12,620	$38,606	$7,004,904
12	144	$51,226	$12,550	$38,676	$6,966,229
13	145	$51,226	$12,481	$38,745	$6,927,484
13	146	$51,226	$12,412	$38,814	$6,888,670
13	147	$51,226	$12,342	$38,884	$6,849,786
13	148	$51,226	$12,273	$38,953	$6,810,833
13	149	$51,226	$12,203	$39,023	$6,771,809
13	150	$51,226	$12,133	$39,093	$6,732,716
13	151	$51,226	$12,063	$39,163	$6,693,553
13	152	$51,226	$11,993	$39,233	$6,654,320
13	153	$51,226	$11,922	$39,304	$6,615,016
13	154	$51,226	$11,852	$39,374	$6,575,642
13	155	$51,226	$11,781	$39,445	$6,536,198
13	156	$51,226	$11,711	$39,515	$6,496,682
14	157	$51,226	$11,640	$39,586	$6,457,096
14	158	$51,226	$11,569	$39,657	$6,417,439
14	159	$51,226	$11,498	$39,728	$6,377,711
14	160	$51,226	$11,427	$39,799	$6,337,912
14	161	$51,226	$11,355	$39,871	$6,298,041
14	162	$51,226	$11,284	$39,942	$6,258,099
14	163	$51,226	$11,212	$40,014	$6,218,086
14	164	$51,226	$11,141	$40,085	$6,178,001
14	165	$51,226	$11,069	$40,157	$6,137,844
14	166	$51,226	$10,997	$40,229	$6,097,615
14	167	$51,226	$10,925	$40,301	$6,057,314
14	168	$51,226	$10,853	$40,373	$6,016,940
15	169	$51,226	$10,780	$40,446	$5,976,495
15	170	$51,226	$10,708	$40,518	$5,935,977
15	171	$51,226	$10,635	$40,591	$5,895,386
15	172	$51,226	$10,563	$40,663	$5,854,723
15	173	$51,226	$10,490	$40,736	$5,813,986
15	174	$51,226	$10,417	$40,809	$5,773,177
15	175	$51,226	$10,344	$40,882	$5,732,295
15	176	$51,226	$10,270	$40,956	$5,691,339
15	177	$51,226	$10,197	$41,029	$5,650,310
15	178	$51,226	$10,123	$41,102	$5,609,208
15	179	$51,226	$10,050	$41,176	$5,568,032
15	180	$51,226	$9,976	$41,250	$5,526,782
16	181	$51,226	$9,902	$41,324	$5,485,458
16	182	$51,226	$9,828	$41,398	$5,444,060
16	183	$51,226	$9,754	$41,472	$5,402,588
16	184	$51,226	$9,680	$41,546	$5,361,042
16	185	$51,226	$9,605	$41,621	$5,319,421
16	186	$51,226	$9,531	$41,695	$5,277,726
16	187	$51,226	$9,456	$41,770	$5,235,956
16	188	$51,226	$9,381	$41,845	$5,194,111
16	189	$51,226	$9,306	$41,920	$5,152,191
16	190	$51,226	$9,231	$41,995	$5,110,196
16	191	$51,226	$9,156	$42,070	$5,068,126
16	192	$51,226	$9,080	$42,146	$5,025,980
17	193	$51,226	$9,005	$42,221	$4,983,759
17	194	$51,226	$8,929	$42,297	$4,941,462
17	195	$51,226	$8,853	$42,373	$4,899,090
17	196	$51,226	$8,778	$42,448	$4,856,642
17	197	$51,226	$8,701	$42,524	$4,814,117
17	198	$51,226	$8,625	$42,601	$4,771,516
17	199	$51,226	$8,549	$42,677	$4,728,839
17	200	$51,226	$8,473	$42,753	$4,686,086
17	201	$51,226	$8,396	$42,830	$4,643,256
17	202	$51,226	$8,319	$42,907	$4,600,349
17	203	$51,226	$8,242	$42,984	$4,557,365
17	204	$51,226	$8,165	$43,061	$4,514,305
18	205	$51,226	$8,088	$43,138	$4,471,167
18	206	$51,226	$8,011	$43,215	$4,427,952
18	207	$51,226	$7,933	$43,293	$4,384,659
18	208	$51,226	$7,856	$43,370	$4,341,289
18	209	$51,226	$7,778	$43,448	$4,297,841
18	210	$51,226	$7,700	$43,526	$4,254,316
18	211	$51,226	$7,622	$43,604	$4,210,712
18	212	$51,226	$7,544	$43,682	$4,167,030
18	213	$51,226	$7,466	$43,760	$4,123,270
18	214	$51,226	$7,388	$43,838	$4,079,432
18	215	$51,226	$7,309	$43,917	$4,035,515
18	216	$51,226	$7,230	$43,996	$3,991,519
19	217	$51,226	$7,151	$44,074	$3,947,445
19	218	$51,226	$7,073	$44,153	$3,903,291
19	219	$51,226	$6,993	$44,233	$3,859,059
19	220	$51,226	$6,914	$44,312	$3,814,747
19	221	$51,226	$6,835	$44,391	$3,770,356
19	222	$51,226	$6,755	$44,471	$3,725,885
19	223	$51,226	$6,676	$44,550	$3,681,335
19	224	$51,226	$6,596	$44,630	$3,636,704
19	225	$51,226	$6,516	$44,710	$3,591,994
19	226	$51,226	$6,436	$44,790	$3,547,204
19	227	$51,226	$6,355	$44,871	$3,502,333
19	228	$51,226	$6,275	$44,951	$3,457,382
20	229	$51,226	$6,194	$45,031	$3,412,351
20	230	$51,226	$6,114	$45,112	$3,367,239
20	231	$51,226	$6,033	$45,193	$3,322,046
20	232	$51,226	$5,952	$45,274	$3,276,772
20	233	$51,226	$5,871	$45,355	$3,231,417
20	234	$51,226	$5,790	$45,436	$3,185,980
20	235	$51,226	$5,708	$45,518	$3,140,463
20	236	$51,226	$5,627	$45,599	$3,094,863
20	237	$51,226	$5,545	$45,681	$3,049,182
20	238	$51,226	$5,463	$45,763	$3,003,420
20	239	$51,226	$5,381	$45,845	$2,957,575
20	240	$51,226	$5,299	$45,927	$2,911,648
21	241	$51,226	$5,217	$46,009	$2,865,638
21	242	$51,226	$5,134	$46,092	$2,819,547
21	243	$51,226	$5,052	$46,174	$2,773,373
21	244	$51,226	$4,969	$46,257	$2,727,116
21	245	$51,226	$4,886	$46,340	$2,680,776
21	246	$51,226	$4,803	$46,423	$2,634,353
21	247	$51,226	$4,720	$46,506	$2,587,847
21	248	$51,226	$4,637	$46,589	$2,541,257
21	249	$51,226	$4,553	$46,673	$2,494,584
21	250	$51,226	$4,469	$46,756	$2,447,828
21	251	$51,226	$4,386	$46,840	$2,400,988
21	252	$51,226	$4,302	$46,924	$2,354,063
22	253	$51,226	$4,218	$47,008	$2,307,055
22	254	$51,226	$4,133	$47,092	$2,259,963
22	255	$51,226	$4,049	$47,177	$2,212,786
22	256	$51,226	$3,965	$47,261	$2,165,524
22	257	$51,226	$3,880	$47,346	$2,118,178
22	258	$51,226	$3,795	$47,431	$2,070,748
22	259	$51,226	$3,710	$47,516	$2,023,232
22	260	$51,226	$3,625	$47,601	$1,975,631
22	261	$51,226	$3,540	$47,686	$1,927,944
22	262	$51,226	$3,454	$47,772	$1,880,173
22	263	$51,226	$3,369	$47,857	$1,832,315
22	264	$51,226	$3,283	$47,943	$1,784,372
23	265	$51,226	$3,197	$48,029	$1,736,343
23	266	$51,226	$3,111	$48,115	$1,688,228
23	267	$51,226	$3,025	$48,201	$1,640,027
23	268	$51,226	$2,938	$48,288	$1,591,740
23	269	$51,226	$2,852	$48,374	$1,543,365
23	270	$51,226	$2,765	$48,461	$1,494,905
23	271	$51,226	$2,678	$48,548	$1,446,357
23	272	$51,226	$2,591	$48,635	$1,397,723
23	273	$51,226	$2,504	$48,722	$1,349,001
23	274	$51,226	$2,417	$48,809	$1,300,192
23	275	$51,226	$2,330	$48,896	$1,251,295
23	276	$51,226	$2,242	$48,984	$1,202,311
24	277	$51,226	$2,154	$49,072	$1,153,240
24	278	$51,226	$2,066	$49,160	$1,104,080
24	279	$51,226	$1,978	$49,248	$1,054,832
24	280	$51,226	$1,890	$49,336	$1,005,496
24	281	$51,226	$1,802	$49,424	$956,072
24	282	$51,226	$1,713	$49,513	$906,559
24	283	$51,226	$1,624	$49,602	$856,957
24	284	$51,226	$1,535	$49,691	$807,266
24	285	$51,226	$1,446	$49,780	$757,487
24	286	$51,226	$1,357	$49,869	$707,618
24	287	$51,226	$1,268	$49,958	$657,660
24	288	$51,226	$1,178	$50,048	$607,612
25	289	$51,226	$1,089	$50,137	$557,475
25	290	$51,226	$999	$50,227	$507,248
25	291	$51,226	$909	$50,317	$456,930
25	292	$51,226	$819	$50,407	$406,523
25	293	$51,226	$728	$50,498	$356,026
25	294	$51,226	$638	$50,588	$305,438
25	295	$51,226	$547	$50,679	$254,759
25	296	$51,226	$456	$50,770	$203,989
25	297	$51,226	$365	$50,860	$153,129
25	298	$51,226	$274	$50,952	$102,177
25	299	$51,226	$183	$51,043	$51,134
25	300	$51,226	$92	$51,134	$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$ 7,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 8,118,000

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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.