Century 21 Centaland Property

Down Payment (HKD)

$9,092,000

Monthly Repayment (HKD)

$58,806

Loan Amount (HKD)

$13,638,000

Total Interest (HKD)

$4,003,908

Total Repayment (HKD)

$17,641,908

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$58,806	$24,435	$34,372	$13,603,628
1	2	$58,806	$24,373	$34,433	$13,569,195
1	3	$58,806	$24,311	$34,495	$13,534,700
1	4	$58,806	$24,250	$34,557	$13,500,144
1	5	$58,806	$24,188	$34,619	$13,465,525
1	6	$58,806	$24,126	$34,681	$13,430,844
1	7	$58,806	$24,064	$34,743	$13,396,102
1	8	$58,806	$24,001	$34,805	$13,361,297
1	9	$58,806	$23,939	$34,867	$13,326,429
1	10	$58,806	$23,877	$34,930	$13,291,499
1	11	$58,806	$23,814	$34,992	$13,256,507
1	12	$58,806	$23,751	$35,055	$13,221,452
2	13	$58,806	$23,688	$35,118	$13,186,334
2	14	$58,806	$23,626	$35,181	$13,151,153
2	15	$58,806	$23,562	$35,244	$13,115,909
2	16	$58,806	$23,499	$35,307	$13,080,602
2	17	$58,806	$23,436	$35,370	$13,045,232
2	18	$58,806	$23,373	$35,434	$13,009,798
2	19	$58,806	$23,309	$35,497	$12,974,301
2	20	$58,806	$23,246	$35,561	$12,938,740
2	21	$58,806	$23,182	$35,624	$12,903,116
2	22	$58,806	$23,118	$35,688	$12,867,428
2	23	$58,806	$23,054	$35,752	$12,831,675
2	24	$58,806	$22,990	$35,816	$12,795,859
3	25	$58,806	$22,926	$35,880	$12,759,979
3	26	$58,806	$22,862	$35,945	$12,724,034
3	27	$58,806	$22,797	$36,009	$12,688,025
3	28	$58,806	$22,733	$36,074	$12,651,951
3	29	$58,806	$22,668	$36,138	$12,615,813
3	30	$58,806	$22,603	$36,203	$12,579,610
3	31	$58,806	$22,538	$36,268	$12,543,342
3	32	$58,806	$22,473	$36,333	$12,507,009
3	33	$58,806	$22,408	$36,398	$12,470,611
3	34	$58,806	$22,343	$36,463	$12,434,148
3	35	$58,806	$22,278	$36,529	$12,397,619
3	36	$58,806	$22,212	$36,594	$12,361,025
4	37	$58,806	$22,147	$36,660	$12,324,366
4	38	$58,806	$22,081	$36,725	$12,287,641
4	39	$58,806	$22,015	$36,791	$12,250,850
4	40	$58,806	$21,949	$36,857	$12,213,993
4	41	$58,806	$21,883	$36,923	$12,177,070
4	42	$58,806	$21,817	$36,989	$12,140,081
4	43	$58,806	$21,751	$37,055	$12,103,025
4	44	$58,806	$21,685	$37,122	$12,065,904
4	45	$58,806	$21,618	$37,188	$12,028,715
4	46	$58,806	$21,551	$37,255	$11,991,460
4	47	$58,806	$21,485	$37,322	$11,954,139
4	48	$58,806	$21,418	$37,389	$11,916,750
5	49	$58,806	$21,351	$37,456	$11,879,295
5	50	$58,806	$21,284	$37,523	$11,841,772
5	51	$58,806	$21,217	$37,590	$11,804,182
5	52	$58,806	$21,149	$37,657	$11,766,525
5	53	$58,806	$21,082	$37,725	$11,728,800
5	54	$58,806	$21,014	$37,792	$11,691,008
5	55	$58,806	$20,946	$37,860	$11,653,148
5	56	$58,806	$20,879	$37,928	$11,615,220
5	57	$58,806	$20,811	$37,996	$11,577,225
5	58	$58,806	$20,743	$38,064	$11,539,161
5	59	$58,806	$20,674	$38,132	$11,501,029
5	60	$58,806	$20,606	$38,200	$11,462,828
6	61	$58,806	$20,538	$38,269	$11,424,560
6	62	$58,806	$20,469	$38,337	$11,386,222
6	63	$58,806	$20,400	$38,406	$11,347,816
6	64	$58,806	$20,332	$38,475	$11,309,341
6	65	$58,806	$20,263	$38,544	$11,270,797
6	66	$58,806	$20,194	$38,613	$11,232,185
6	67	$58,806	$20,124	$38,682	$11,193,503
6	68	$58,806	$20,055	$38,751	$11,154,751
6	69	$58,806	$19,986	$38,821	$11,115,930
6	70	$58,806	$19,916	$38,890	$11,077,040
6	71	$58,806	$19,846	$38,960	$11,038,080
6	72	$58,806	$19,777	$39,030	$10,999,050
7	73	$58,806	$19,707	$39,100	$10,959,951
7	74	$58,806	$19,637	$39,170	$10,920,781
7	75	$58,806	$19,566	$39,240	$10,881,541
7	76	$58,806	$19,496	$39,310	$10,842,231
7	77	$58,806	$19,426	$39,381	$10,802,850
7	78	$58,806	$19,355	$39,451	$10,763,399
7	79	$58,806	$19,284	$39,522	$10,723,877
7	80	$58,806	$19,214	$39,593	$10,684,284
7	81	$58,806	$19,143	$39,664	$10,644,620
7	82	$58,806	$19,072	$39,735	$10,604,886
7	83	$58,806	$19,000	$39,806	$10,565,080
7	84	$58,806	$18,929	$39,877	$10,525,202
8	85	$58,806	$18,858	$39,949	$10,485,254
8	86	$58,806	$18,786	$40,020	$10,445,233
8	87	$58,806	$18,714	$40,092	$10,405,141
8	88	$58,806	$18,643	$40,164	$10,364,978
8	89	$58,806	$18,571	$40,236	$10,324,742
8	90	$58,806	$18,498	$40,308	$10,284,434
8	91	$58,806	$18,426	$40,380	$10,244,054
8	92	$58,806	$18,354	$40,452	$10,203,601
8	93	$58,806	$18,281	$40,525	$10,163,076
8	94	$58,806	$18,209	$40,598	$10,122,479
8	95	$58,806	$18,136	$40,670	$10,081,809
8	96	$58,806	$18,063	$40,743	$10,041,066
9	97	$58,806	$17,990	$40,816	$10,000,249
9	98	$58,806	$17,917	$40,889	$9,959,360
9	99	$58,806	$17,844	$40,963	$9,918,398
9	100	$58,806	$17,770	$41,036	$9,877,362
9	101	$58,806	$17,697	$41,109	$9,836,252
9	102	$58,806	$17,623	$41,183	$9,795,069
9	103	$58,806	$17,549	$41,257	$9,753,812
9	104	$58,806	$17,476	$41,331	$9,712,482
9	105	$58,806	$17,402	$41,405	$9,671,077
9	106	$58,806	$17,327	$41,479	$9,629,598
9	107	$58,806	$17,253	$41,553	$9,588,045
9	108	$58,806	$17,179	$41,628	$9,546,417
10	109	$58,806	$17,104	$41,702	$9,504,714
10	110	$58,806	$17,029	$41,777	$9,462,937
10	111	$58,806	$16,954	$41,852	$9,421,085
10	112	$58,806	$16,879	$41,927	$9,379,158
10	113	$58,806	$16,804	$42,002	$9,337,156
10	114	$58,806	$16,729	$42,077	$9,295,079
10	115	$58,806	$16,654	$42,153	$9,252,926
10	116	$58,806	$16,578	$42,228	$9,210,698
10	117	$58,806	$16,503	$42,304	$9,168,394
10	118	$58,806	$16,427	$42,380	$9,126,015
10	119	$58,806	$16,351	$42,456	$9,083,559
10	120	$58,806	$16,275	$42,532	$9,041,027
11	121	$58,806	$16,199	$42,608	$8,998,420
11	122	$58,806	$16,122	$42,684	$8,955,735
11	123	$58,806	$16,046	$42,761	$8,912,975
11	124	$58,806	$15,969	$42,837	$8,870,137
11	125	$58,806	$15,892	$42,914	$8,827,223
11	126	$58,806	$15,815	$42,991	$8,784,233
11	127	$58,806	$15,738	$43,068	$8,741,165
11	128	$58,806	$15,661	$43,145	$8,698,019
11	129	$58,806	$15,584	$43,222	$8,654,797
11	130	$58,806	$15,507	$43,300	$8,611,497
11	131	$58,806	$15,429	$43,377	$8,568,120
11	132	$58,806	$15,351	$43,455	$8,524,665
12	133	$58,806	$15,273	$43,533	$8,481,132
12	134	$58,806	$15,195	$43,611	$8,437,521
12	135	$58,806	$15,117	$43,689	$8,393,832
12	136	$58,806	$15,039	$43,767	$8,350,064
12	137	$58,806	$14,961	$43,846	$8,306,218
12	138	$58,806	$14,882	$43,924	$8,262,294
12	139	$58,806	$14,803	$44,003	$8,218,291
12	140	$58,806	$14,724	$44,082	$8,174,209
12	141	$58,806	$14,645	$44,161	$8,130,048
12	142	$58,806	$14,566	$44,240	$8,085,808
12	143	$58,806	$14,487	$44,319	$8,041,489
12	144	$58,806	$14,408	$44,399	$7,997,090
13	145	$58,806	$14,328	$44,478	$7,952,612
13	146	$58,806	$14,248	$44,558	$7,908,054
13	147	$58,806	$14,169	$44,638	$7,863,416
13	148	$58,806	$14,089	$44,718	$7,818,698
13	149	$58,806	$14,009	$44,798	$7,773,900
13	150	$58,806	$13,928	$44,878	$7,729,022
13	151	$58,806	$13,848	$44,959	$7,684,064
13	152	$58,806	$13,767	$45,039	$7,639,025
13	153	$58,806	$13,687	$45,120	$7,593,905
13	154	$58,806	$13,606	$45,201	$7,548,704
13	155	$58,806	$13,525	$45,282	$7,503,423
13	156	$58,806	$13,444	$45,363	$7,458,060
14	157	$58,806	$13,362	$45,444	$7,412,616
14	158	$58,806	$13,281	$45,525	$7,367,091
14	159	$58,806	$13,199	$45,607	$7,321,484
14	160	$58,806	$13,118	$45,689	$7,275,795
14	161	$58,806	$13,036	$45,771	$7,230,024
14	162	$58,806	$12,954	$45,853	$7,184,172
14	163	$58,806	$12,872	$45,935	$7,138,237
14	164	$58,806	$12,789	$46,017	$7,092,220
14	165	$58,806	$12,707	$46,099	$7,046,121
14	166	$58,806	$12,624	$46,182	$6,999,938
14	167	$58,806	$12,542	$46,265	$6,953,674
14	168	$58,806	$12,459	$46,348	$6,907,326
15	169	$58,806	$12,376	$46,431	$6,860,895
15	170	$58,806	$12,292	$46,514	$6,814,381
15	171	$58,806	$12,209	$46,597	$6,767,784
15	172	$58,806	$12,126	$46,681	$6,721,103
15	173	$58,806	$12,042	$46,764	$6,674,339
15	174	$58,806	$11,958	$46,848	$6,627,491
15	175	$58,806	$11,874	$46,932	$6,580,559
15	176	$58,806	$11,790	$47,016	$6,533,542
15	177	$58,806	$11,706	$47,100	$6,486,442
15	178	$58,806	$11,622	$47,185	$6,439,257
15	179	$58,806	$11,537	$47,269	$6,391,988
15	180	$58,806	$11,452	$47,354	$6,344,634
16	181	$58,806	$11,367	$47,439	$6,297,195
16	182	$58,806	$11,282	$47,524	$6,249,671
16	183	$58,806	$11,197	$47,609	$6,202,062
16	184	$58,806	$11,112	$47,694	$6,154,368
16	185	$58,806	$11,027	$47,780	$6,106,588
16	186	$58,806	$10,941	$47,865	$6,058,722
16	187	$58,806	$10,855	$47,951	$6,010,771
16	188	$58,806	$10,769	$48,037	$5,962,734
16	189	$58,806	$10,683	$48,123	$5,914,611
16	190	$58,806	$10,597	$48,209	$5,866,402
16	191	$58,806	$10,511	$48,296	$5,818,106
16	192	$58,806	$10,424	$48,382	$5,769,724
17	193	$58,806	$10,337	$48,469	$5,721,255
17	194	$58,806	$10,251	$48,556	$5,672,699
17	195	$58,806	$10,164	$48,643	$5,624,056
17	196	$58,806	$10,076	$48,730	$5,575,326
17	197	$58,806	$9,989	$48,817	$5,526,509
17	198	$58,806	$9,902	$48,905	$5,477,604
17	199	$58,806	$9,814	$48,992	$5,428,612
17	200	$58,806	$9,726	$49,080	$5,379,532
17	201	$58,806	$9,638	$49,168	$5,330,364
17	202	$58,806	$9,550	$49,256	$5,281,108
17	203	$58,806	$9,462	$49,344	$5,231,763
17	204	$58,806	$9,374	$49,433	$5,182,331
18	205	$58,806	$9,285	$49,521	$5,132,809
18	206	$58,806	$9,196	$49,610	$5,083,199
18	207	$58,806	$9,107	$49,699	$5,033,500
18	208	$58,806	$9,018	$49,788	$4,983,712
18	209	$58,806	$8,929	$49,877	$4,933,835
18	210	$58,806	$8,840	$49,967	$4,883,868
18	211	$58,806	$8,750	$50,056	$4,833,812
18	212	$58,806	$8,661	$50,146	$4,783,667
18	213	$58,806	$8,571	$50,236	$4,733,431
18	214	$58,806	$8,481	$50,326	$4,683,105
18	215	$58,806	$8,391	$50,416	$4,632,690
18	216	$58,806	$8,300	$50,506	$4,582,183
19	217	$58,806	$8,210	$50,597	$4,531,587
19	218	$58,806	$8,119	$50,687	$4,480,900
19	219	$58,806	$8,028	$50,778	$4,430,121
19	220	$58,806	$7,937	$50,869	$4,379,252
19	221	$58,806	$7,846	$50,960	$4,328,292
19	222	$58,806	$7,755	$51,052	$4,277,241
19	223	$58,806	$7,663	$51,143	$4,226,098
19	224	$58,806	$7,572	$51,235	$4,174,863
19	225	$58,806	$7,480	$51,326	$4,123,537
19	226	$58,806	$7,388	$51,418	$4,072,118
19	227	$58,806	$7,296	$51,510	$4,020,608
19	228	$58,806	$7,204	$51,603	$3,969,005
20	229	$58,806	$7,111	$51,695	$3,917,310
20	230	$58,806	$7,019	$51,788	$3,865,522
20	231	$58,806	$6,926	$51,881	$3,813,641
20	232	$58,806	$6,833	$51,974	$3,761,668
20	233	$58,806	$6,740	$52,067	$3,709,601
20	234	$58,806	$6,646	$52,160	$3,657,441
20	235	$58,806	$6,553	$52,253	$3,605,188
20	236	$58,806	$6,459	$52,347	$3,552,841
20	237	$58,806	$6,366	$52,441	$3,500,400
20	238	$58,806	$6,272	$52,535	$3,447,865
20	239	$58,806	$6,177	$52,629	$3,395,236
20	240	$58,806	$6,083	$52,723	$3,342,513
21	241	$58,806	$5,989	$52,818	$3,289,695
21	242	$58,806	$5,894	$52,912	$3,236,783
21	243	$58,806	$5,799	$53,007	$3,183,776
21	244	$58,806	$5,704	$53,102	$3,130,674
21	245	$58,806	$5,609	$53,197	$3,077,476
21	246	$58,806	$5,514	$53,293	$3,024,184
21	247	$58,806	$5,418	$53,388	$2,970,796
21	248	$58,806	$5,323	$53,484	$2,917,312
21	249	$58,806	$5,227	$53,580	$2,863,733
21	250	$58,806	$5,131	$53,676	$2,810,057
21	251	$58,806	$5,035	$53,772	$2,756,285
21	252	$58,806	$4,938	$53,868	$2,702,417
22	253	$58,806	$4,842	$53,965	$2,648,453
22	254	$58,806	$4,745	$54,061	$2,594,392
22	255	$58,806	$4,648	$54,158	$2,540,233
22	256	$58,806	$4,551	$54,255	$2,485,978
22	257	$58,806	$4,454	$54,352	$2,431,626
22	258	$58,806	$4,357	$54,450	$2,377,176
22	259	$58,806	$4,259	$54,547	$2,322,629
22	260	$58,806	$4,161	$54,645	$2,267,984
22	261	$58,806	$4,063	$54,743	$2,213,241
22	262	$58,806	$3,965	$54,841	$2,158,400
22	263	$58,806	$3,867	$54,939	$2,103,461
22	264	$58,806	$3,769	$55,038	$2,048,423
23	265	$58,806	$3,670	$55,136	$1,993,287
23	266	$58,806	$3,571	$55,235	$1,938,052
23	267	$58,806	$3,472	$55,334	$1,882,718
23	268	$58,806	$3,373	$55,433	$1,827,285
23	269	$58,806	$3,274	$55,532	$1,771,752
23	270	$58,806	$3,174	$55,632	$1,716,120
23	271	$58,806	$3,075	$55,732	$1,660,389
23	272	$58,806	$2,975	$55,831	$1,604,557
23	273	$58,806	$2,875	$55,932	$1,548,626
23	274	$58,806	$2,775	$56,032	$1,492,594
23	275	$58,806	$2,674	$56,132	$1,436,462
23	276	$58,806	$2,574	$56,233	$1,380,229
24	277	$58,806	$2,473	$56,333	$1,323,896
24	278	$58,806	$2,372	$56,434	$1,267,461
24	279	$58,806	$2,271	$56,535	$1,210,926
24	280	$58,806	$2,170	$56,637	$1,154,289
24	281	$58,806	$2,068	$56,738	$1,097,551
24	282	$58,806	$1,966	$56,840	$1,040,711
24	283	$58,806	$1,865	$56,942	$983,769
24	284	$58,806	$1,763	$57,044	$926,725
24	285	$58,806	$1,660	$57,146	$869,579
24	286	$58,806	$1,558	$57,248	$812,331
24	287	$58,806	$1,455	$57,351	$754,980
24	288	$58,806	$1,353	$57,454	$697,526
25	289	$58,806	$1,250	$57,557	$639,970
25	290	$58,806	$1,147	$57,660	$582,310
25	291	$58,806	$1,043	$57,763	$524,547
25	292	$58,806	$940	$57,867	$466,680
25	293	$58,806	$836	$57,970	$408,710
25	294	$58,806	$732	$58,074	$350,636
25	295	$58,806	$628	$58,178	$292,458
25	296	$58,806	$524	$58,282	$234,176
25	297	$58,806	$420	$58,387	$175,789
25	298	$58,806	$315	$58,491	$117,297
25	299	$58,806	$210	$58,596	$58,701
25	300	$58,806	$105	$58,701	$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$ 9,092,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 9,319,300

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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.