Century 21 Centaland Property

Down Payment (HKD)

$3,280,000

Monthly Repayment (HKD)

$21,215

Loan Amount (HKD)

$4,920,000

Total Interest (HKD)

$1,444,437

Total Repayment (HKD)

$6,364,437

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$21,215	$8,815	$12,400	$4,907,600
1	2	$21,215	$8,793	$12,422	$4,895,178
1	3	$21,215	$8,771	$12,444	$4,882,734
1	4	$21,215	$8,748	$12,467	$4,870,267
1	5	$21,215	$8,726	$12,489	$4,857,778
1	6	$21,215	$8,704	$12,511	$4,845,267
1	7	$21,215	$8,681	$12,534	$4,832,734
1	8	$21,215	$8,659	$12,556	$4,820,177
1	9	$21,215	$8,636	$12,579	$4,807,599
1	10	$21,215	$8,614	$12,601	$4,794,998
1	11	$21,215	$8,591	$12,624	$4,782,374
1	12	$21,215	$8,568	$12,646	$4,769,727
2	13	$21,215	$8,546	$12,669	$4,757,058
2	14	$21,215	$8,523	$12,692	$4,744,367
2	15	$21,215	$8,500	$12,714	$4,731,652
2	16	$21,215	$8,478	$12,737	$4,718,915
2	17	$21,215	$8,455	$12,760	$4,706,155
2	18	$21,215	$8,432	$12,783	$4,693,372
2	19	$21,215	$8,409	$12,806	$4,680,566
2	20	$21,215	$8,386	$12,829	$4,667,737
2	21	$21,215	$8,363	$12,852	$4,654,886
2	22	$21,215	$8,340	$12,875	$4,642,011
2	23	$21,215	$8,317	$12,898	$4,629,113
2	24	$21,215	$8,294	$12,921	$4,616,192
3	25	$21,215	$8,271	$12,944	$4,603,248
3	26	$21,215	$8,247	$12,967	$4,590,281
3	27	$21,215	$8,224	$12,991	$4,577,290
3	28	$21,215	$8,201	$13,014	$4,564,276
3	29	$21,215	$8,178	$13,037	$4,551,239
3	30	$21,215	$8,154	$13,060	$4,538,179
3	31	$21,215	$8,131	$13,084	$4,525,095
3	32	$21,215	$8,107	$13,107	$4,511,987
3	33	$21,215	$8,084	$13,131	$4,498,857
3	34	$21,215	$8,060	$13,154	$4,485,702
3	35	$21,215	$8,037	$13,178	$4,472,524
3	36	$21,215	$8,013	$13,202	$4,459,323
4	37	$21,215	$7,990	$13,225	$4,446,098
4	38	$21,215	$7,966	$13,249	$4,432,849
4	39	$21,215	$7,942	$13,273	$4,419,576
4	40	$21,215	$7,918	$13,296	$4,406,280
4	41	$21,215	$7,895	$13,320	$4,392,960
4	42	$21,215	$7,871	$13,344	$4,379,616
4	43	$21,215	$7,847	$13,368	$4,366,248
4	44	$21,215	$7,823	$13,392	$4,352,856
4	45	$21,215	$7,799	$13,416	$4,339,440
4	46	$21,215	$7,775	$13,440	$4,326,000
4	47	$21,215	$7,751	$13,464	$4,312,536
4	48	$21,215	$7,727	$13,488	$4,299,048
5	49	$21,215	$7,702	$13,512	$4,285,535
5	50	$21,215	$7,678	$13,537	$4,271,999
5	51	$21,215	$7,654	$13,561	$4,258,438
5	52	$21,215	$7,630	$13,585	$4,244,853
5	53	$21,215	$7,605	$13,609	$4,231,243
5	54	$21,215	$7,581	$13,634	$4,217,610
5	55	$21,215	$7,557	$13,658	$4,203,951
5	56	$21,215	$7,532	$13,683	$4,190,269
5	57	$21,215	$7,508	$13,707	$4,176,561
5	58	$21,215	$7,483	$13,732	$4,162,830
5	59	$21,215	$7,458	$13,756	$4,149,073
5	60	$21,215	$7,434	$13,781	$4,135,292
6	61	$21,215	$7,409	$13,806	$4,121,486
6	62	$21,215	$7,384	$13,830	$4,107,656
6	63	$21,215	$7,360	$13,855	$4,093,801
6	64	$21,215	$7,335	$13,880	$4,079,921
6	65	$21,215	$7,310	$13,905	$4,066,016
6	66	$21,215	$7,285	$13,930	$4,052,086
6	67	$21,215	$7,260	$13,955	$4,038,131
6	68	$21,215	$7,235	$13,980	$4,024,151
6	69	$21,215	$7,210	$14,005	$4,010,147
6	70	$21,215	$7,185	$14,030	$3,996,117
6	71	$21,215	$7,160	$14,055	$3,982,061
6	72	$21,215	$7,135	$14,080	$3,967,981
7	73	$21,215	$7,109	$14,105	$3,953,876
7	74	$21,215	$7,084	$14,131	$3,939,745
7	75	$21,215	$7,059	$14,156	$3,925,589
7	76	$21,215	$7,033	$14,181	$3,911,407
7	77	$21,215	$7,008	$14,207	$3,897,201
7	78	$21,215	$6,982	$14,232	$3,882,968
7	79	$21,215	$6,957	$14,258	$3,868,710
7	80	$21,215	$6,931	$14,283	$3,854,427
7	81	$21,215	$6,906	$14,309	$3,840,118
7	82	$21,215	$6,880	$14,335	$3,825,784
7	83	$21,215	$6,855	$14,360	$3,811,423
7	84	$21,215	$6,829	$14,386	$3,797,037
8	85	$21,215	$6,803	$14,412	$3,782,626
8	86	$21,215	$6,777	$14,438	$3,768,188
8	87	$21,215	$6,751	$14,463	$3,753,725
8	88	$21,215	$6,725	$14,489	$3,739,235
8	89	$21,215	$6,699	$14,515	$3,724,720
8	90	$21,215	$6,673	$14,541	$3,710,179
8	91	$21,215	$6,647	$14,567	$3,695,611
8	92	$21,215	$6,621	$14,593	$3,681,018
8	93	$21,215	$6,595	$14,620	$3,666,398
8	94	$21,215	$6,569	$14,646	$3,651,752
8	95	$21,215	$6,543	$14,672	$3,637,080
8	96	$21,215	$6,516	$14,698	$3,622,382
9	97	$21,215	$6,490	$14,725	$3,607,657
9	98	$21,215	$6,464	$14,751	$3,592,906
9	99	$21,215	$6,437	$14,777	$3,578,129
9	100	$21,215	$6,411	$14,804	$3,563,325
9	101	$21,215	$6,384	$14,830	$3,548,494
9	102	$21,215	$6,358	$14,857	$3,533,637
9	103	$21,215	$6,331	$14,884	$3,518,753
9	104	$21,215	$6,304	$14,910	$3,503,843
9	105	$21,215	$6,278	$14,937	$3,488,906
9	106	$21,215	$6,251	$14,964	$3,473,942
9	107	$21,215	$6,224	$14,991	$3,458,951
9	108	$21,215	$6,197	$15,018	$3,443,934
10	109	$21,215	$6,170	$15,044	$3,428,889
10	110	$21,215	$6,143	$15,071	$3,413,818
10	111	$21,215	$6,116	$15,098	$3,398,720
10	112	$21,215	$6,089	$15,125	$3,383,594
10	113	$21,215	$6,062	$15,153	$3,368,442
10	114	$21,215	$6,035	$15,180	$3,353,262
10	115	$21,215	$6,008	$15,207	$3,338,055
10	116	$21,215	$5,981	$15,234	$3,322,821
10	117	$21,215	$5,953	$15,261	$3,307,560
10	118	$21,215	$5,926	$15,289	$3,292,271
10	119	$21,215	$5,899	$15,316	$3,276,955
10	120	$21,215	$5,871	$15,344	$3,261,611
11	121	$21,215	$5,844	$15,371	$3,246,240
11	122	$21,215	$5,816	$15,399	$3,230,842
11	123	$21,215	$5,789	$15,426	$3,215,415
11	124	$21,215	$5,761	$15,454	$3,199,962
11	125	$21,215	$5,733	$15,482	$3,184,480
11	126	$21,215	$5,706	$15,509	$3,168,971
11	127	$21,215	$5,678	$15,537	$3,153,434
11	128	$21,215	$5,650	$15,565	$3,137,869
11	129	$21,215	$5,622	$15,593	$3,122,276
11	130	$21,215	$5,594	$15,621	$3,106,655
11	131	$21,215	$5,566	$15,649	$3,091,007
11	132	$21,215	$5,538	$15,677	$3,075,330
12	133	$21,215	$5,510	$15,705	$3,059,625
12	134	$21,215	$5,482	$15,733	$3,043,892
12	135	$21,215	$5,454	$15,761	$3,028,131
12	136	$21,215	$5,425	$15,789	$3,012,342
12	137	$21,215	$5,397	$15,818	$2,996,524
12	138	$21,215	$5,369	$15,846	$2,980,678
12	139	$21,215	$5,340	$15,874	$2,964,804
12	140	$21,215	$5,312	$15,903	$2,948,901
12	141	$21,215	$5,283	$15,931	$2,932,969
12	142	$21,215	$5,255	$15,960	$2,917,009
12	143	$21,215	$5,226	$15,988	$2,901,021
12	144	$21,215	$5,198	$16,017	$2,885,004
13	145	$21,215	$5,169	$16,046	$2,868,958
13	146	$21,215	$5,140	$16,075	$2,852,883
13	147	$21,215	$5,111	$16,103	$2,836,780
13	148	$21,215	$5,083	$16,132	$2,820,648
13	149	$21,215	$5,054	$16,161	$2,804,487
13	150	$21,215	$5,025	$16,190	$2,788,297
13	151	$21,215	$4,996	$16,219	$2,772,078
13	152	$21,215	$4,967	$16,248	$2,755,829
13	153	$21,215	$4,938	$16,277	$2,739,552
13	154	$21,215	$4,908	$16,306	$2,723,246
13	155	$21,215	$4,879	$16,336	$2,706,910
13	156	$21,215	$4,850	$16,365	$2,690,545
14	157	$21,215	$4,821	$16,394	$2,674,151
14	158	$21,215	$4,791	$16,424	$2,657,727
14	159	$21,215	$4,762	$16,453	$2,641,274
14	160	$21,215	$4,732	$16,483	$2,624,792
14	161	$21,215	$4,703	$16,512	$2,608,280
14	162	$21,215	$4,673	$16,542	$2,591,738
14	163	$21,215	$4,644	$16,571	$2,575,167
14	164	$21,215	$4,614	$16,601	$2,558,566
14	165	$21,215	$4,584	$16,631	$2,541,935
14	166	$21,215	$4,554	$16,660	$2,525,275
14	167	$21,215	$4,524	$16,690	$2,508,584
14	168	$21,215	$4,495	$16,720	$2,491,864
15	169	$21,215	$4,465	$16,750	$2,475,114
15	170	$21,215	$4,435	$16,780	$2,458,334
15	171	$21,215	$4,405	$16,810	$2,441,523
15	172	$21,215	$4,374	$16,840	$2,424,683
15	173	$21,215	$4,344	$16,871	$2,407,813
15	174	$21,215	$4,314	$16,901	$2,390,912
15	175	$21,215	$4,284	$16,931	$2,373,981
15	176	$21,215	$4,253	$16,961	$2,357,019
15	177	$21,215	$4,223	$16,992	$2,340,027
15	178	$21,215	$4,193	$17,022	$2,323,005
15	179	$21,215	$4,162	$17,053	$2,305,952
15	180	$21,215	$4,131	$17,083	$2,288,869
16	181	$21,215	$4,101	$17,114	$2,271,755
16	182	$21,215	$4,070	$17,145	$2,254,611
16	183	$21,215	$4,040	$17,175	$2,237,435
16	184	$21,215	$4,009	$17,206	$2,220,229
16	185	$21,215	$3,978	$17,237	$2,202,993
16	186	$21,215	$3,947	$17,268	$2,185,725
16	187	$21,215	$3,916	$17,299	$2,168,426
16	188	$21,215	$3,885	$17,330	$2,151,096
16	189	$21,215	$3,854	$17,361	$2,133,736
16	190	$21,215	$3,823	$17,392	$2,116,344
16	191	$21,215	$3,792	$17,423	$2,098,921
16	192	$21,215	$3,761	$17,454	$2,081,467
17	193	$21,215	$3,729	$17,485	$2,063,981
17	194	$21,215	$3,698	$17,517	$2,046,464
17	195	$21,215	$3,667	$17,548	$2,028,916
17	196	$21,215	$3,635	$17,580	$2,011,336
17	197	$21,215	$3,604	$17,611	$1,993,725
17	198	$21,215	$3,572	$17,643	$1,976,083
17	199	$21,215	$3,540	$17,674	$1,958,408
17	200	$21,215	$3,509	$17,706	$1,940,702
17	201	$21,215	$3,477	$17,738	$1,922,965
17	202	$21,215	$3,445	$17,769	$1,905,195
17	203	$21,215	$3,413	$17,801	$1,887,394
17	204	$21,215	$3,382	$17,833	$1,869,561
18	205	$21,215	$3,350	$17,865	$1,851,695
18	206	$21,215	$3,318	$17,897	$1,833,798
18	207	$21,215	$3,286	$17,929	$1,815,869
18	208	$21,215	$3,253	$17,961	$1,797,908
18	209	$21,215	$3,221	$17,994	$1,779,914
18	210	$21,215	$3,189	$18,026	$1,761,888
18	211	$21,215	$3,157	$18,058	$1,743,830
18	212	$21,215	$3,124	$18,090	$1,725,740
18	213	$21,215	$3,092	$18,123	$1,707,617
18	214	$21,215	$3,059	$18,155	$1,689,462
18	215	$21,215	$3,027	$18,188	$1,671,274
18	216	$21,215	$2,994	$18,220	$1,653,053
19	217	$21,215	$2,962	$18,253	$1,634,800
19	218	$21,215	$2,929	$18,286	$1,616,515
19	219	$21,215	$2,896	$18,319	$1,598,196
19	220	$21,215	$2,863	$18,351	$1,579,845
19	221	$21,215	$2,831	$18,384	$1,561,460
19	222	$21,215	$2,798	$18,417	$1,543,043
19	223	$21,215	$2,765	$18,450	$1,524,593
19	224	$21,215	$2,732	$18,483	$1,506,110
19	225	$21,215	$2,698	$18,516	$1,487,594
19	226	$21,215	$2,665	$18,550	$1,469,044
19	227	$21,215	$2,632	$18,583	$1,450,461
19	228	$21,215	$2,599	$18,616	$1,431,845
20	229	$21,215	$2,565	$18,649	$1,413,196
20	230	$21,215	$2,532	$18,683	$1,394,513
20	231	$21,215	$2,499	$18,716	$1,375,797
20	232	$21,215	$2,465	$18,750	$1,357,047
20	233	$21,215	$2,431	$18,783	$1,338,263
20	234	$21,215	$2,398	$18,817	$1,319,446
20	235	$21,215	$2,364	$18,851	$1,300,596
20	236	$21,215	$2,330	$18,885	$1,281,711
20	237	$21,215	$2,296	$18,918	$1,262,793
20	238	$21,215	$2,263	$18,952	$1,243,840
20	239	$21,215	$2,229	$18,986	$1,224,854
20	240	$21,215	$2,195	$19,020	$1,205,834
21	241	$21,215	$2,160	$19,054	$1,186,780
21	242	$21,215	$2,126	$19,088	$1,167,691
21	243	$21,215	$2,092	$19,123	$1,148,568
21	244	$21,215	$2,058	$19,157	$1,129,411
21	245	$21,215	$2,024	$19,191	$1,110,220
21	246	$21,215	$1,989	$19,226	$1,090,995
21	247	$21,215	$1,955	$19,260	$1,071,734
21	248	$21,215	$1,920	$19,295	$1,052,440
21	249	$21,215	$1,886	$19,329	$1,033,111
21	250	$21,215	$1,851	$19,364	$1,013,747
21	251	$21,215	$1,816	$19,398	$994,348
21	252	$21,215	$1,782	$19,433	$974,915
22	253	$21,215	$1,747	$19,468	$955,447
22	254	$21,215	$1,712	$19,503	$935,944
22	255	$21,215	$1,677	$19,538	$916,406
22	256	$21,215	$1,642	$19,573	$896,833
22	257	$21,215	$1,607	$19,608	$877,225
22	258	$21,215	$1,572	$19,643	$857,582
22	259	$21,215	$1,537	$19,678	$837,904
22	260	$21,215	$1,501	$19,714	$818,190
22	261	$21,215	$1,466	$19,749	$798,442
22	262	$21,215	$1,431	$19,784	$778,657
22	263	$21,215	$1,395	$19,820	$758,838
22	264	$21,215	$1,360	$19,855	$738,982
23	265	$21,215	$1,324	$19,891	$719,092
23	266	$21,215	$1,288	$19,926	$699,165
23	267	$21,215	$1,253	$19,962	$679,203
23	268	$21,215	$1,217	$19,998	$659,205
23	269	$21,215	$1,181	$20,034	$639,172
23	270	$21,215	$1,145	$20,070	$619,102
23	271	$21,215	$1,109	$20,106	$598,996
23	272	$21,215	$1,073	$20,142	$578,855
23	273	$21,215	$1,037	$20,178	$558,677
23	274	$21,215	$1,001	$20,214	$538,463
23	275	$21,215	$965	$20,250	$518,213
23	276	$21,215	$928	$20,286	$497,927
24	277	$21,215	$892	$20,323	$477,604
24	278	$21,215	$856	$20,359	$457,245
24	279	$21,215	$819	$20,396	$436,850
24	280	$21,215	$783	$20,432	$416,418
24	281	$21,215	$746	$20,469	$395,949
24	282	$21,215	$709	$20,505	$375,443
24	283	$21,215	$673	$20,542	$354,901
24	284	$21,215	$636	$20,579	$334,322
24	285	$21,215	$599	$20,616	$313,707
24	286	$21,215	$562	$20,653	$293,054
24	287	$21,215	$525	$20,690	$272,364
24	288	$21,215	$488	$20,727	$251,637
25	289	$21,215	$451	$20,764	$230,873
25	290	$21,215	$414	$20,801	$210,072
25	291	$21,215	$376	$20,838	$189,234
25	292	$21,215	$339	$20,876	$168,358
25	293	$21,215	$302	$20,913	$147,445
25	294	$21,215	$264	$20,951	$126,494
25	295	$21,215	$227	$20,988	$105,506
25	296	$21,215	$189	$21,026	$84,480
25	297	$21,215	$151	$21,063	$63,417
25	298	$21,215	$114	$21,101	$42,316
25	299	$21,215	$76	$21,139	$21,177
25	300	$21,215	$38	$21,177	$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$ 3,280,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,362,000

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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.