Century 21 Centaland Property

Down Payment (HKD)

$7,200,000

Monthly Repayment (HKD)

$46,569

Loan Amount (HKD)

$10,800,000

Total Interest (HKD)

$3,170,715

Total Repayment (HKD)

$13,970,715

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$46,569	$19,350	$27,219	$10,772,781
1	2	$46,569	$19,301	$27,268	$10,745,513
1	3	$46,569	$19,252	$27,317	$10,718,196
1	4	$46,569	$19,203	$27,366	$10,690,831
1	5	$46,569	$19,154	$27,415	$10,663,416
1	6	$46,569	$19,105	$27,464	$10,635,952
1	7	$46,569	$19,056	$27,513	$10,608,439
1	8	$46,569	$19,007	$27,562	$10,580,877
1	9	$46,569	$18,957	$27,612	$10,553,266
1	10	$46,569	$18,908	$27,661	$10,525,604
1	11	$46,569	$18,858	$27,711	$10,497,894
1	12	$46,569	$18,809	$27,760	$10,470,133
2	13	$46,569	$18,759	$27,810	$10,442,323
2	14	$46,569	$18,709	$27,860	$10,414,464
2	15	$46,569	$18,659	$27,910	$10,386,554
2	16	$46,569	$18,609	$27,960	$10,358,594
2	17	$46,569	$18,559	$28,010	$10,330,584
2	18	$46,569	$18,509	$28,060	$10,302,524
2	19	$46,569	$18,459	$28,110	$10,274,414
2	20	$46,569	$18,408	$28,161	$10,246,253
2	21	$46,569	$18,358	$28,211	$10,218,042
2	22	$46,569	$18,307	$28,262	$10,189,780
2	23	$46,569	$18,257	$28,312	$10,161,468
2	24	$46,569	$18,206	$28,363	$10,133,104
3	25	$46,569	$18,155	$28,414	$10,104,691
3	26	$46,569	$18,104	$28,465	$10,076,226
3	27	$46,569	$18,053	$28,516	$10,047,710
3	28	$46,569	$18,002	$28,567	$10,019,143
3	29	$46,569	$17,951	$28,618	$9,990,525
3	30	$46,569	$17,900	$28,669	$9,961,856
3	31	$46,569	$17,848	$28,721	$9,933,135
3	32	$46,569	$17,797	$28,772	$9,904,363
3	33	$46,569	$17,745	$28,824	$9,875,539
3	34	$46,569	$17,694	$28,875	$9,846,664
3	35	$46,569	$17,642	$28,927	$9,817,736
3	36	$46,569	$17,590	$28,979	$9,788,758
4	37	$46,569	$17,538	$29,031	$9,759,727
4	38	$46,569	$17,486	$29,083	$9,730,644
4	39	$46,569	$17,434	$29,135	$9,701,509
4	40	$46,569	$17,382	$29,187	$9,672,322
4	41	$46,569	$17,330	$29,239	$9,643,082
4	42	$46,569	$17,277	$29,292	$9,613,790
4	43	$46,569	$17,225	$29,344	$9,584,446
4	44	$46,569	$17,172	$29,397	$9,555,049
4	45	$46,569	$17,119	$29,450	$9,525,599
4	46	$46,569	$17,067	$29,502	$9,496,097
4	47	$46,569	$17,014	$29,555	$9,466,542
4	48	$46,569	$16,961	$29,608	$9,436,934
5	49	$46,569	$16,908	$29,661	$9,407,273
5	50	$46,569	$16,855	$29,714	$9,377,558
5	51	$46,569	$16,801	$29,768	$9,347,791
5	52	$46,569	$16,748	$29,821	$9,317,970
5	53	$46,569	$16,695	$29,874	$9,288,095
5	54	$46,569	$16,641	$29,928	$9,258,167
5	55	$46,569	$16,588	$29,981	$9,228,186
5	56	$46,569	$16,534	$30,035	$9,198,151
5	57	$46,569	$16,480	$30,089	$9,168,062
5	58	$46,569	$16,426	$30,143	$9,137,919
5	59	$46,569	$16,372	$30,197	$9,107,722
5	60	$46,569	$16,318	$30,251	$9,077,471
6	61	$46,569	$16,264	$30,305	$9,047,165
6	62	$46,569	$16,210	$30,360	$9,016,806
6	63	$46,569	$16,155	$30,414	$8,986,392
6	64	$46,569	$16,101	$30,468	$8,955,924
6	65	$46,569	$16,046	$30,523	$8,925,401
6	66	$46,569	$15,991	$30,578	$8,894,823
6	67	$46,569	$15,937	$30,632	$8,864,190
6	68	$46,569	$15,882	$30,687	$8,833,503
6	69	$46,569	$15,827	$30,742	$8,802,761
6	70	$46,569	$15,772	$30,797	$8,771,963
6	71	$46,569	$15,716	$30,853	$8,741,111
6	72	$46,569	$15,661	$30,908	$8,710,203
7	73	$46,569	$15,606	$30,963	$8,679,239
7	74	$46,569	$15,550	$31,019	$8,648,221
7	75	$46,569	$15,495	$31,074	$8,617,146
7	76	$46,569	$15,439	$31,130	$8,586,016
7	77	$46,569	$15,383	$31,186	$8,554,831
7	78	$46,569	$15,327	$31,242	$8,523,589
7	79	$46,569	$15,271	$31,298	$8,492,291
7	80	$46,569	$15,215	$31,354	$8,460,938
7	81	$46,569	$15,159	$31,410	$8,429,528
7	82	$46,569	$15,103	$31,466	$8,398,062
7	83	$46,569	$15,047	$31,523	$8,366,539
7	84	$46,569	$14,990	$31,579	$8,334,960
8	85	$46,569	$14,933	$31,636	$8,303,324
8	86	$46,569	$14,877	$31,692	$8,271,632
8	87	$46,569	$14,820	$31,749	$8,239,883
8	88	$46,569	$14,763	$31,806	$8,208,077
8	89	$46,569	$14,706	$31,863	$8,176,214
8	90	$46,569	$14,649	$31,920	$8,144,294
8	91	$46,569	$14,592	$31,977	$8,112,317
8	92	$46,569	$14,535	$32,034	$8,080,283
8	93	$46,569	$14,477	$32,092	$8,048,191
8	94	$46,569	$14,420	$32,149	$8,016,041
8	95	$46,569	$14,362	$32,207	$7,983,834
8	96	$46,569	$14,304	$32,265	$7,951,570
9	97	$46,569	$14,247	$32,322	$7,919,247
9	98	$46,569	$14,189	$32,380	$7,886,867
9	99	$46,569	$14,131	$32,438	$7,854,428
9	100	$46,569	$14,073	$32,497	$7,821,932
9	101	$46,569	$14,014	$32,555	$7,789,377
9	102	$46,569	$13,956	$32,613	$7,756,764
9	103	$46,569	$13,898	$32,672	$7,724,093
9	104	$46,569	$13,839	$32,730	$7,691,363
9	105	$46,569	$13,780	$32,789	$7,658,574
9	106	$46,569	$13,722	$32,847	$7,625,726
9	107	$46,569	$13,663	$32,906	$7,592,820
9	108	$46,569	$13,604	$32,965	$7,559,855
10	109	$46,569	$13,545	$33,024	$7,526,831
10	110	$46,569	$13,486	$33,083	$7,493,747
10	111	$46,569	$13,426	$33,143	$7,460,604
10	112	$46,569	$13,367	$33,202	$7,427,402
10	113	$46,569	$13,307	$33,262	$7,394,141
10	114	$46,569	$13,248	$33,321	$7,360,819
10	115	$46,569	$13,188	$33,381	$7,327,438
10	116	$46,569	$13,128	$33,441	$7,293,998
10	117	$46,569	$13,068	$33,501	$7,260,497
10	118	$46,569	$13,008	$33,561	$7,226,936
10	119	$46,569	$12,948	$33,621	$7,193,316
10	120	$46,569	$12,888	$33,681	$7,159,635
11	121	$46,569	$12,828	$33,741	$7,125,893
11	122	$46,569	$12,767	$33,802	$7,092,091
11	123	$46,569	$12,707	$33,862	$7,058,229
11	124	$46,569	$12,646	$33,923	$7,024,306
11	125	$46,569	$12,585	$33,984	$6,990,322
11	126	$46,569	$12,524	$34,045	$6,956,277
11	127	$46,569	$12,463	$34,106	$6,922,172
11	128	$46,569	$12,402	$34,167	$6,888,005
11	129	$46,569	$12,341	$34,228	$6,853,777
11	130	$46,569	$12,280	$34,289	$6,819,487
11	131	$46,569	$12,218	$34,351	$6,785,137
11	132	$46,569	$12,157	$34,412	$6,750,724
12	133	$46,569	$12,095	$34,474	$6,716,250
12	134	$46,569	$12,033	$34,536	$6,681,715
12	135	$46,569	$11,971	$34,598	$6,647,117
12	136	$46,569	$11,909	$34,660	$6,612,457
12	137	$46,569	$11,847	$34,722	$6,577,736
12	138	$46,569	$11,785	$34,784	$6,542,952
12	139	$46,569	$11,723	$34,846	$6,508,105
12	140	$46,569	$11,660	$34,909	$6,473,197
12	141	$46,569	$11,598	$34,971	$6,438,225
12	142	$46,569	$11,535	$35,034	$6,403,192
12	143	$46,569	$11,472	$35,097	$6,368,095
12	144	$46,569	$11,410	$35,160	$6,332,935
13	145	$46,569	$11,347	$35,223	$6,297,713
13	146	$46,569	$11,283	$35,286	$6,262,427
13	147	$46,569	$11,220	$35,349	$6,227,078
13	148	$46,569	$11,157	$35,412	$6,191,666
13	149	$46,569	$11,093	$35,476	$6,156,190
13	150	$46,569	$11,030	$35,539	$6,120,651
13	151	$46,569	$10,966	$35,603	$6,085,048
13	152	$46,569	$10,902	$35,667	$6,049,382
13	153	$46,569	$10,838	$35,731	$6,013,651
13	154	$46,569	$10,774	$35,795	$5,977,856
13	155	$46,569	$10,710	$35,859	$5,941,998
13	156	$46,569	$10,646	$35,923	$5,906,075
14	157	$46,569	$10,582	$35,987	$5,870,087
14	158	$46,569	$10,517	$36,052	$5,834,036
14	159	$46,569	$10,453	$36,116	$5,797,919
14	160	$46,569	$10,388	$36,181	$5,761,738
14	161	$46,569	$10,323	$36,246	$5,725,492
14	162	$46,569	$10,258	$36,311	$5,689,181
14	163	$46,569	$10,193	$36,376	$5,652,805
14	164	$46,569	$10,128	$36,441	$5,616,364
14	165	$46,569	$10,063	$36,506	$5,579,858
14	166	$46,569	$9,997	$36,572	$5,543,286
14	167	$46,569	$9,932	$36,637	$5,506,649
14	168	$46,569	$9,866	$36,703	$5,469,946
15	169	$46,569	$9,800	$36,769	$5,433,177
15	170	$46,569	$9,734	$36,835	$5,396,342
15	171	$46,569	$9,668	$36,901	$5,359,442
15	172	$46,569	$9,602	$36,967	$5,322,475
15	173	$46,569	$9,536	$37,033	$5,285,442
15	174	$46,569	$9,470	$37,099	$5,248,343
15	175	$46,569	$9,403	$37,166	$5,211,177
15	176	$46,569	$9,337	$37,232	$5,173,945
15	177	$46,569	$9,270	$37,299	$5,136,646
15	178	$46,569	$9,203	$37,366	$5,099,280
15	179	$46,569	$9,136	$37,433	$5,061,847
15	180	$46,569	$9,069	$37,500	$5,024,347
16	181	$46,569	$9,002	$37,567	$4,986,780
16	182	$46,569	$8,935	$37,634	$4,949,146
16	183	$46,569	$8,867	$37,702	$4,911,444
16	184	$46,569	$8,800	$37,769	$4,873,674
16	185	$46,569	$8,732	$37,837	$4,835,837
16	186	$46,569	$8,664	$37,905	$4,797,932
16	187	$46,569	$8,596	$37,973	$4,759,960
16	188	$46,569	$8,528	$38,041	$4,721,919
16	189	$46,569	$8,460	$38,109	$4,683,810
16	190	$46,569	$8,392	$38,177	$4,645,633
16	191	$46,569	$8,323	$38,246	$4,607,387
16	192	$46,569	$8,255	$38,314	$4,569,073
17	193	$46,569	$8,186	$38,383	$4,530,690
17	194	$46,569	$8,117	$38,452	$4,492,239
17	195	$46,569	$8,049	$38,520	$4,453,718
17	196	$46,569	$7,980	$38,589	$4,415,129
17	197	$46,569	$7,910	$38,659	$4,376,470
17	198	$46,569	$7,841	$38,728	$4,337,742
17	199	$46,569	$7,772	$38,797	$4,298,945
17	200	$46,569	$7,702	$38,867	$4,260,078
17	201	$46,569	$7,633	$38,936	$4,221,142
17	202	$46,569	$7,563	$39,006	$4,182,136
17	203	$46,569	$7,493	$39,076	$4,143,059
17	204	$46,569	$7,423	$39,146	$4,103,913
18	205	$46,569	$7,353	$39,216	$4,064,697
18	206	$46,569	$7,283	$39,286	$4,025,411
18	207	$46,569	$7,212	$39,357	$3,986,054
18	208	$46,569	$7,142	$39,427	$3,946,627
18	209	$46,569	$7,071	$39,498	$3,907,129
18	210	$46,569	$7,000	$39,569	$3,867,560
18	211	$46,569	$6,929	$39,640	$3,827,920
18	212	$46,569	$6,858	$39,711	$3,788,209
18	213	$46,569	$6,787	$39,782	$3,748,428
18	214	$46,569	$6,716	$39,853	$3,708,574
18	215	$46,569	$6,645	$39,925	$3,668,650
18	216	$46,569	$6,573	$39,996	$3,628,654
19	217	$46,569	$6,501	$40,068	$3,588,586
19	218	$46,569	$6,430	$40,139	$3,548,447
19	219	$46,569	$6,358	$40,211	$3,508,235
19	220	$46,569	$6,286	$40,283	$3,467,952
19	221	$46,569	$6,213	$40,356	$3,427,596
19	222	$46,569	$6,141	$40,428	$3,387,168
19	223	$46,569	$6,069	$40,500	$3,346,668
19	224	$46,569	$5,996	$40,573	$3,306,095
19	225	$46,569	$5,923	$40,646	$3,265,449
19	226	$46,569	$5,851	$40,718	$3,224,731
19	227	$46,569	$5,778	$40,791	$3,183,939
19	228	$46,569	$5,705	$40,864	$3,143,075
20	229	$46,569	$5,631	$40,938	$3,102,137
20	230	$46,569	$5,558	$41,011	$3,061,126
20	231	$46,569	$5,485	$41,085	$3,020,042
20	232	$46,569	$5,411	$41,158	$2,978,883
20	233	$46,569	$5,337	$41,232	$2,937,652
20	234	$46,569	$5,263	$41,306	$2,896,346
20	235	$46,569	$5,189	$41,380	$2,854,966
20	236	$46,569	$5,115	$41,454	$2,813,512
20	237	$46,569	$5,041	$41,528	$2,771,984
20	238	$46,569	$4,966	$41,603	$2,730,381
20	239	$46,569	$4,892	$41,677	$2,688,704
20	240	$46,569	$4,817	$41,752	$2,646,952
21	241	$46,569	$4,742	$41,827	$2,605,126
21	242	$46,569	$4,668	$41,902	$2,563,224
21	243	$46,569	$4,592	$41,977	$2,521,248
21	244	$46,569	$4,517	$42,052	$2,479,196
21	245	$46,569	$4,442	$42,127	$2,437,069
21	246	$46,569	$4,366	$42,203	$2,394,866
21	247	$46,569	$4,291	$42,278	$2,352,588
21	248	$46,569	$4,215	$42,354	$2,310,234
21	249	$46,569	$4,139	$42,430	$2,267,804
21	250	$46,569	$4,063	$42,506	$2,225,298
21	251	$46,569	$3,987	$42,582	$2,182,716
21	252	$46,569	$3,911	$42,658	$2,140,058
22	253	$46,569	$3,834	$42,735	$2,097,323
22	254	$46,569	$3,758	$42,811	$2,054,512
22	255	$46,569	$3,681	$42,888	$2,011,624
22	256	$46,569	$3,604	$42,965	$1,968,659
22	257	$46,569	$3,527	$43,042	$1,925,617
22	258	$46,569	$3,450	$43,119	$1,882,498
22	259	$46,569	$3,373	$43,196	$1,839,302
22	260	$46,569	$3,295	$43,274	$1,796,028
22	261	$46,569	$3,218	$43,351	$1,752,677
22	262	$46,569	$3,140	$43,429	$1,709,248
22	263	$46,569	$3,062	$43,507	$1,665,741
22	264	$46,569	$2,984	$43,585	$1,622,157
23	265	$46,569	$2,906	$43,663	$1,578,494
23	266	$46,569	$2,828	$43,741	$1,534,753
23	267	$46,569	$2,750	$43,819	$1,490,934
23	268	$46,569	$2,671	$43,898	$1,447,036
23	269	$46,569	$2,593	$43,976	$1,403,060
23	270	$46,569	$2,514	$44,055	$1,359,004
23	271	$46,569	$2,435	$44,134	$1,314,870
23	272	$46,569	$2,356	$44,213	$1,270,657
23	273	$46,569	$2,277	$44,292	$1,226,364
23	274	$46,569	$2,197	$44,372	$1,181,993
23	275	$46,569	$2,118	$44,451	$1,137,541
23	276	$46,569	$2,038	$44,531	$1,093,010
24	277	$46,569	$1,958	$44,611	$1,048,400
24	278	$46,569	$1,878	$44,691	$1,003,709
24	279	$46,569	$1,798	$44,771	$958,938
24	280	$46,569	$1,718	$44,851	$914,087
24	281	$46,569	$1,638	$44,931	$869,156
24	282	$46,569	$1,557	$45,012	$824,144
24	283	$46,569	$1,477	$45,092	$779,052
24	284	$46,569	$1,396	$45,173	$733,878
24	285	$46,569	$1,315	$45,254	$688,624
24	286	$46,569	$1,234	$45,335	$643,289
24	287	$46,569	$1,153	$45,416	$597,872
24	288	$46,569	$1,071	$45,498	$552,375
25	289	$46,569	$990	$45,579	$506,795
25	290	$46,569	$908	$45,661	$461,134
25	291	$46,569	$826	$45,743	$415,391
25	292	$46,569	$744	$45,825	$369,567
25	293	$46,569	$662	$45,907	$323,660
25	294	$46,569	$580	$45,989	$277,670
25	295	$46,569	$497	$46,072	$231,599
25	296	$46,569	$415	$46,154	$185,445
25	297	$46,569	$332	$46,237	$139,208
25	298	$46,569	$249	$46,320	$92,888
25	299	$46,569	$166	$46,403	$46,486
25	300	$46,569	$83	$46,486	$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$ 7,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 7,380,000

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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.