Century 21 Centaland Property

Down Payment (HKD)

$4,360,000

Monthly Repayment (HKD)

$28,200

Loan Amount (HKD)

$6,540,000

Total Interest (HKD)

$1,920,044

Total Repayment (HKD)

$8,460,044

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$28,200	$11,718	$16,483	$6,523,517
1	2	$28,200	$11,688	$16,512	$6,507,005
1	3	$28,200	$11,658	$16,542	$6,490,463
1	4	$28,200	$11,629	$16,571	$6,473,892
1	5	$28,200	$11,599	$16,601	$6,457,291
1	6	$28,200	$11,569	$16,631	$6,440,660
1	7	$28,200	$11,540	$16,661	$6,423,999
1	8	$28,200	$11,510	$16,690	$6,407,309
1	9	$28,200	$11,480	$16,720	$6,390,589
1	10	$28,200	$11,450	$16,750	$6,373,838
1	11	$28,200	$11,420	$16,780	$6,357,058
1	12	$28,200	$11,390	$16,810	$6,340,247
2	13	$28,200	$11,360	$16,841	$6,323,407
2	14	$28,200	$11,329	$16,871	$6,306,536
2	15	$28,200	$11,299	$16,901	$6,289,635
2	16	$28,200	$11,269	$16,931	$6,272,704
2	17	$28,200	$11,239	$16,962	$6,255,743
2	18	$28,200	$11,208	$16,992	$6,238,751
2	19	$28,200	$11,178	$17,022	$6,221,728
2	20	$28,200	$11,147	$17,053	$6,204,675
2	21	$28,200	$11,117	$17,083	$6,187,592
2	22	$28,200	$11,086	$17,114	$6,170,478
2	23	$28,200	$11,055	$17,145	$6,153,333
2	24	$28,200	$11,025	$17,175	$6,136,158
3	25	$28,200	$10,994	$17,206	$6,118,952
3	26	$28,200	$10,963	$17,237	$6,101,714
3	27	$28,200	$10,932	$17,268	$6,084,447
3	28	$28,200	$10,901	$17,299	$6,067,148
3	29	$28,200	$10,870	$17,330	$6,049,818
3	30	$28,200	$10,839	$17,361	$6,032,457
3	31	$28,200	$10,808	$17,392	$6,015,065
3	32	$28,200	$10,777	$17,423	$5,997,642
3	33	$28,200	$10,746	$17,454	$5,980,187
3	34	$28,200	$10,715	$17,486	$5,962,702
3	35	$28,200	$10,683	$17,517	$5,945,185
3	36	$28,200	$10,652	$17,548	$5,927,636
4	37	$28,200	$10,620	$17,580	$5,910,057
4	38	$28,200	$10,589	$17,611	$5,892,445
4	39	$28,200	$10,557	$17,643	$5,874,803
4	40	$28,200	$10,526	$17,674	$5,857,128
4	41	$28,200	$10,494	$17,706	$5,839,422
4	42	$28,200	$10,462	$17,738	$5,821,684
4	43	$28,200	$10,431	$17,770	$5,803,914
4	44	$28,200	$10,399	$17,801	$5,786,113
4	45	$28,200	$10,367	$17,833	$5,768,280
4	46	$28,200	$10,335	$17,865	$5,750,414
4	47	$28,200	$10,303	$17,897	$5,732,517
4	48	$28,200	$10,271	$17,929	$5,714,588
5	49	$28,200	$10,239	$17,962	$5,696,626
5	50	$28,200	$10,206	$17,994	$5,678,632
5	51	$28,200	$10,174	$18,026	$5,660,607
5	52	$28,200	$10,142	$18,058	$5,642,548
5	53	$28,200	$10,110	$18,091	$5,624,458
5	54	$28,200	$10,077	$18,123	$5,606,335
5	55	$28,200	$10,045	$18,155	$5,588,179
5	56	$28,200	$10,012	$18,188	$5,569,991
5	57	$28,200	$9,980	$18,221	$5,551,771
5	58	$28,200	$9,947	$18,253	$5,533,517
5	59	$28,200	$9,914	$18,286	$5,515,232
5	60	$28,200	$9,881	$18,319	$5,496,913
6	61	$28,200	$9,849	$18,352	$5,478,561
6	62	$28,200	$9,816	$18,384	$5,460,177
6	63	$28,200	$9,783	$18,417	$5,441,760
6	64	$28,200	$9,750	$18,450	$5,423,309
6	65	$28,200	$9,717	$18,483	$5,404,826
6	66	$28,200	$9,684	$18,517	$5,386,309
6	67	$28,200	$9,650	$18,550	$5,367,760
6	68	$28,200	$9,617	$18,583	$5,349,177
6	69	$28,200	$9,584	$18,616	$5,330,561
6	70	$28,200	$9,551	$18,650	$5,311,911
6	71	$28,200	$9,517	$18,683	$5,293,228
6	72	$28,200	$9,484	$18,716	$5,274,512
7	73	$28,200	$9,450	$18,750	$5,255,762
7	74	$28,200	$9,417	$18,784	$5,236,978
7	75	$28,200	$9,383	$18,817	$5,218,161
7	76	$28,200	$9,349	$18,851	$5,199,310
7	77	$28,200	$9,315	$18,885	$5,180,425
7	78	$28,200	$9,282	$18,919	$5,161,507
7	79	$28,200	$9,248	$18,952	$5,142,554
7	80	$28,200	$9,214	$18,986	$5,123,568
7	81	$28,200	$9,180	$19,020	$5,104,547
7	82	$28,200	$9,146	$19,054	$5,085,493
7	83	$28,200	$9,112	$19,089	$5,066,404
7	84	$28,200	$9,077	$19,123	$5,047,281
8	85	$28,200	$9,043	$19,157	$5,028,124
8	86	$28,200	$9,009	$19,191	$5,008,933
8	87	$28,200	$8,974	$19,226	$4,989,707
8	88	$28,200	$8,940	$19,260	$4,970,447
8	89	$28,200	$8,905	$19,295	$4,951,152
8	90	$28,200	$8,871	$19,329	$4,931,823
8	91	$28,200	$8,836	$19,364	$4,912,459
8	92	$28,200	$8,801	$19,399	$4,893,060
8	93	$28,200	$8,767	$19,433	$4,873,627
8	94	$28,200	$8,732	$19,468	$4,854,158
8	95	$28,200	$8,697	$19,503	$4,834,655
8	96	$28,200	$8,662	$19,538	$4,815,117
9	97	$28,200	$8,627	$19,573	$4,795,544
9	98	$28,200	$8,592	$19,608	$4,775,936
9	99	$28,200	$8,557	$19,643	$4,756,293
9	100	$28,200	$8,522	$19,678	$4,736,614
9	101	$28,200	$8,486	$19,714	$4,716,901
9	102	$28,200	$8,451	$19,749	$4,697,152
9	103	$28,200	$8,416	$19,784	$4,677,367
9	104	$28,200	$8,380	$19,820	$4,657,547
9	105	$28,200	$8,345	$19,855	$4,637,692
9	106	$28,200	$8,309	$19,891	$4,617,801
9	107	$28,200	$8,274	$19,927	$4,597,874
9	108	$28,200	$8,238	$19,962	$4,577,912
10	109	$28,200	$8,202	$19,998	$4,557,914
10	110	$28,200	$8,166	$20,034	$4,537,880
10	111	$28,200	$8,130	$20,070	$4,517,810
10	112	$28,200	$8,094	$20,106	$4,497,705
10	113	$28,200	$8,058	$20,142	$4,477,563
10	114	$28,200	$8,022	$20,178	$4,457,385
10	115	$28,200	$7,986	$20,214	$4,437,171
10	116	$28,200	$7,950	$20,250	$4,416,921
10	117	$28,200	$7,914	$20,286	$4,396,634
10	118	$28,200	$7,877	$20,323	$4,376,312
10	119	$28,200	$7,841	$20,359	$4,355,952
10	120	$28,200	$7,804	$20,396	$4,335,557
11	121	$28,200	$7,768	$20,432	$4,315,124
11	122	$28,200	$7,731	$20,469	$4,294,655
11	123	$28,200	$7,695	$20,506	$4,274,150
11	124	$28,200	$7,658	$20,542	$4,253,608
11	125	$28,200	$7,621	$20,579	$4,233,028
11	126	$28,200	$7,584	$20,616	$4,212,412
11	127	$28,200	$7,547	$20,653	$4,191,760
11	128	$28,200	$7,510	$20,690	$4,171,070
11	129	$28,200	$7,473	$20,727	$4,150,343
11	130	$28,200	$7,436	$20,764	$4,129,579
11	131	$28,200	$7,399	$20,801	$4,108,777
11	132	$28,200	$7,362	$20,839	$4,087,939
12	133	$28,200	$7,324	$20,876	$4,067,063
12	134	$28,200	$7,287	$20,913	$4,046,149
12	135	$28,200	$7,249	$20,951	$4,025,199
12	136	$28,200	$7,212	$20,988	$4,004,210
12	137	$28,200	$7,174	$21,026	$3,983,184
12	138	$28,200	$7,137	$21,064	$3,962,121
12	139	$28,200	$7,099	$21,101	$3,941,019
12	140	$28,200	$7,061	$21,139	$3,919,880
12	141	$28,200	$7,023	$21,177	$3,898,703
12	142	$28,200	$6,985	$21,215	$3,877,488
12	143	$28,200	$6,947	$21,253	$3,856,235
12	144	$28,200	$6,909	$21,291	$3,834,944
13	145	$28,200	$6,871	$21,329	$3,813,615
13	146	$28,200	$6,833	$21,367	$3,792,248
13	147	$28,200	$6,794	$21,406	$3,770,842
13	148	$28,200	$6,756	$21,444	$3,749,398
13	149	$28,200	$6,718	$21,482	$3,727,915
13	150	$28,200	$6,679	$21,521	$3,706,394
13	151	$28,200	$6,641	$21,560	$3,684,835
13	152	$28,200	$6,602	$21,598	$3,663,237
13	153	$28,200	$6,563	$21,637	$3,641,600
13	154	$28,200	$6,525	$21,676	$3,619,924
13	155	$28,200	$6,486	$21,714	$3,598,210
13	156	$28,200	$6,447	$21,753	$3,576,456
14	157	$28,200	$6,408	$21,792	$3,554,664
14	158	$28,200	$6,369	$21,831	$3,532,833
14	159	$28,200	$6,330	$21,870	$3,510,962
14	160	$28,200	$6,290	$21,910	$3,489,053
14	161	$28,200	$6,251	$21,949	$3,467,104
14	162	$28,200	$6,212	$21,988	$3,445,115
14	163	$28,200	$6,172	$22,028	$3,423,088
14	164	$28,200	$6,133	$22,067	$3,401,021
14	165	$28,200	$6,093	$22,107	$3,378,914
14	166	$28,200	$6,054	$22,146	$3,356,768
14	167	$28,200	$6,014	$22,186	$3,334,582
14	168	$28,200	$5,974	$22,226	$3,312,356
15	169	$28,200	$5,935	$22,266	$3,290,091
15	170	$28,200	$5,895	$22,305	$3,267,785
15	171	$28,200	$5,855	$22,345	$3,245,440
15	172	$28,200	$5,815	$22,385	$3,223,054
15	173	$28,200	$5,775	$22,426	$3,200,629
15	174	$28,200	$5,734	$22,466	$3,178,163
15	175	$28,200	$5,694	$22,506	$3,155,657
15	176	$28,200	$5,654	$22,546	$3,133,111
15	177	$28,200	$5,613	$22,587	$3,110,524
15	178	$28,200	$5,573	$22,627	$3,087,897
15	179	$28,200	$5,532	$22,668	$3,065,230
15	180	$28,200	$5,492	$22,708	$3,042,521
16	181	$28,200	$5,451	$22,749	$3,019,772
16	182	$28,200	$5,410	$22,790	$2,996,983
16	183	$28,200	$5,370	$22,831	$2,974,152
16	184	$28,200	$5,329	$22,871	$2,951,281
16	185	$28,200	$5,288	$22,912	$2,928,368
16	186	$28,200	$5,247	$22,953	$2,905,415
16	187	$28,200	$5,206	$22,995	$2,882,420
16	188	$28,200	$5,164	$23,036	$2,859,384
16	189	$28,200	$5,123	$23,077	$2,836,307
16	190	$28,200	$5,082	$23,118	$2,813,189
16	191	$28,200	$5,040	$23,160	$2,790,029
16	192	$28,200	$4,999	$23,201	$2,766,827
17	193	$28,200	$4,957	$23,243	$2,743,585
17	194	$28,200	$4,916	$23,285	$2,720,300
17	195	$28,200	$4,874	$23,326	$2,696,974
17	196	$28,200	$4,832	$23,368	$2,673,606
17	197	$28,200	$4,790	$23,410	$2,650,196
17	198	$28,200	$4,748	$23,452	$2,626,744
17	199	$28,200	$4,706	$23,494	$2,603,250
17	200	$28,200	$4,664	$23,536	$2,579,714
17	201	$28,200	$4,622	$23,578	$2,556,136
17	202	$28,200	$4,580	$23,620	$2,532,515
17	203	$28,200	$4,537	$23,663	$2,508,853
17	204	$28,200	$4,495	$23,705	$2,485,148
18	205	$28,200	$4,453	$23,748	$2,461,400
18	206	$28,200	$4,410	$23,790	$2,437,610
18	207	$28,200	$4,367	$23,833	$2,413,777
18	208	$28,200	$4,325	$23,875	$2,389,902
18	209	$28,200	$4,282	$23,918	$2,365,983
18	210	$28,200	$4,239	$23,961	$2,342,022
18	211	$28,200	$4,196	$24,004	$2,318,018
18	212	$28,200	$4,153	$24,047	$2,293,971
18	213	$28,200	$4,110	$24,090	$2,269,881
18	214	$28,200	$4,067	$24,133	$2,245,748
18	215	$28,200	$4,024	$24,177	$2,221,571
18	216	$28,200	$3,980	$24,220	$2,197,351
19	217	$28,200	$3,937	$24,263	$2,173,088
19	218	$28,200	$3,893	$24,307	$2,148,782
19	219	$28,200	$3,850	$24,350	$2,124,431
19	220	$28,200	$3,806	$24,394	$2,100,037
19	221	$28,200	$3,763	$24,438	$2,075,600
19	222	$28,200	$3,719	$24,481	$2,051,119
19	223	$28,200	$3,675	$24,525	$2,026,593
19	224	$28,200	$3,631	$24,569	$2,002,024
19	225	$28,200	$3,587	$24,613	$1,977,411
19	226	$28,200	$3,543	$24,657	$1,952,754
19	227	$28,200	$3,499	$24,701	$1,928,052
19	228	$28,200	$3,454	$24,746	$1,903,306
20	229	$28,200	$3,410	$24,790	$1,878,516
20	230	$28,200	$3,366	$24,834	$1,853,682
20	231	$28,200	$3,321	$24,879	$1,828,803
20	232	$28,200	$3,277	$24,924	$1,803,879
20	233	$28,200	$3,232	$24,968	$1,778,911
20	234	$28,200	$3,187	$25,013	$1,753,898
20	235	$28,200	$3,142	$25,058	$1,728,841
20	236	$28,200	$3,098	$25,103	$1,703,738
20	237	$28,200	$3,053	$25,148	$1,678,590
20	238	$28,200	$3,007	$25,193	$1,653,398
20	239	$28,200	$2,962	$25,238	$1,628,160
20	240	$28,200	$2,917	$25,283	$1,602,877
21	241	$28,200	$2,872	$25,328	$1,577,548
21	242	$28,200	$2,826	$25,374	$1,552,175
21	243	$28,200	$2,781	$25,419	$1,526,756
21	244	$28,200	$2,735	$25,465	$1,501,291
21	245	$28,200	$2,690	$25,510	$1,475,781
21	246	$28,200	$2,644	$25,556	$1,450,224
21	247	$28,200	$2,598	$25,602	$1,424,623
21	248	$28,200	$2,552	$25,648	$1,398,975
21	249	$28,200	$2,506	$25,694	$1,373,281
21	250	$28,200	$2,460	$25,740	$1,347,542
21	251	$28,200	$2,414	$25,786	$1,321,756
21	252	$28,200	$2,368	$25,832	$1,295,924
22	253	$28,200	$2,322	$25,878	$1,270,046
22	254	$28,200	$2,275	$25,925	$1,244,121
22	255	$28,200	$2,229	$25,971	$1,218,150
22	256	$28,200	$2,183	$26,018	$1,192,132
22	257	$28,200	$2,136	$26,064	$1,166,068
22	258	$28,200	$2,089	$26,111	$1,139,957
22	259	$28,200	$2,042	$26,158	$1,113,799
22	260	$28,200	$1,996	$26,205	$1,087,595
22	261	$28,200	$1,949	$26,252	$1,061,343
22	262	$28,200	$1,902	$26,299	$1,035,045
22	263	$28,200	$1,854	$26,346	$1,008,699
22	264	$28,200	$1,807	$26,393	$982,306
23	265	$28,200	$1,760	$26,440	$955,866
23	266	$28,200	$1,713	$26,488	$929,378
23	267	$28,200	$1,665	$26,535	$902,843
23	268	$28,200	$1,618	$26,583	$876,261
23	269	$28,200	$1,570	$26,630	$849,630
23	270	$28,200	$1,522	$26,678	$822,953
23	271	$28,200	$1,474	$26,726	$796,227
23	272	$28,200	$1,427	$26,774	$769,453
23	273	$28,200	$1,379	$26,822	$742,632
23	274	$28,200	$1,331	$26,870	$715,762
23	275	$28,200	$1,282	$26,918	$688,844
23	276	$28,200	$1,234	$26,966	$661,878
24	277	$28,200	$1,186	$27,014	$634,864
24	278	$28,200	$1,137	$27,063	$607,802
24	279	$28,200	$1,089	$27,111	$580,690
24	280	$28,200	$1,040	$27,160	$553,531
24	281	$28,200	$992	$27,208	$526,322
24	282	$28,200	$943	$27,257	$499,065
24	283	$28,200	$894	$27,306	$471,759
24	284	$28,200	$845	$27,355	$444,404
24	285	$28,200	$796	$27,404	$417,000
24	286	$28,200	$747	$27,453	$389,547
24	287	$28,200	$698	$27,502	$362,045
24	288	$28,200	$649	$27,551	$334,494
25	289	$28,200	$599	$27,601	$306,893
25	290	$28,200	$550	$27,650	$279,242
25	291	$28,200	$500	$27,700	$251,543
25	292	$28,200	$451	$27,749	$223,793
25	293	$28,200	$401	$27,799	$195,994
25	294	$28,200	$351	$27,849	$168,145
25	295	$28,200	$301	$27,899	$140,246
25	296	$28,200	$251	$27,949	$112,297
25	297	$28,200	$201	$27,999	$84,298
25	298	$28,200	$151	$28,049	$56,249
25	299	$28,200	$101	$28,099	$28,150
25	300	$28,200	$50	$28,150	$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$ 4,360,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,469,000

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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.