Century 21 Centaland Property

Down Payment (HKD)

$6,352,000

Monthly Repayment (HKD)

$41,084

Loan Amount (HKD)

$9,528,000

Total Interest (HKD)

$2,797,275

Total Repayment (HKD)

$12,325,275

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$41,084	$17,071	$24,013	$9,503,987
1	2	$41,084	$17,028	$24,056	$9,479,930
1	3	$41,084	$16,985	$24,099	$9,455,831
1	4	$41,084	$16,942	$24,143	$9,431,689
1	5	$41,084	$16,898	$24,186	$9,407,503
1	6	$41,084	$16,855	$24,229	$9,383,274
1	7	$41,084	$16,812	$24,273	$9,359,001
1	8	$41,084	$16,768	$24,316	$9,334,685
1	9	$41,084	$16,725	$24,360	$9,310,325
1	10	$41,084	$16,681	$24,403	$9,285,922
1	11	$41,084	$16,637	$24,447	$9,261,475
1	12	$41,084	$16,593	$24,491	$9,236,984
2	13	$41,084	$16,550	$24,535	$9,212,450
2	14	$41,084	$16,506	$24,579	$9,187,871
2	15	$41,084	$16,462	$24,623	$9,163,248
2	16	$41,084	$16,417	$24,667	$9,138,582
2	17	$41,084	$16,373	$24,711	$9,113,871
2	18	$41,084	$16,329	$24,755	$9,089,116
2	19	$41,084	$16,285	$24,800	$9,064,316
2	20	$41,084	$16,240	$24,844	$9,039,472
2	21	$41,084	$16,196	$24,889	$9,014,583
2	22	$41,084	$16,151	$24,933	$8,989,650
2	23	$41,084	$16,106	$24,978	$8,964,672
2	24	$41,084	$16,062	$25,023	$8,939,650
3	25	$41,084	$16,017	$25,067	$8,914,583
3	26	$41,084	$15,972	$25,112	$8,889,470
3	27	$41,084	$15,927	$25,157	$8,864,313
3	28	$41,084	$15,882	$25,202	$8,839,111
3	29	$41,084	$15,837	$25,248	$8,813,863
3	30	$41,084	$15,792	$25,293	$8,788,570
3	31	$41,084	$15,746	$25,338	$8,763,232
3	32	$41,084	$15,701	$25,383	$8,737,849
3	33	$41,084	$15,655	$25,429	$8,712,420
3	34	$41,084	$15,610	$25,474	$8,686,945
3	35	$41,084	$15,564	$25,520	$8,661,425
3	36	$41,084	$15,518	$25,566	$8,635,859
4	37	$41,084	$15,473	$25,612	$8,610,248
4	38	$41,084	$15,427	$25,658	$8,584,590
4	39	$41,084	$15,381	$25,704	$8,558,887
4	40	$41,084	$15,335	$25,750	$8,533,137
4	41	$41,084	$15,289	$25,796	$8,507,341
4	42	$41,084	$15,242	$25,842	$8,481,499
4	43	$41,084	$15,196	$25,888	$8,455,611
4	44	$41,084	$15,150	$25,935	$8,429,677
4	45	$41,084	$15,103	$25,981	$8,403,696
4	46	$41,084	$15,057	$26,028	$8,377,668
4	47	$41,084	$15,010	$26,074	$8,351,594
4	48	$41,084	$14,963	$26,121	$8,325,473
5	49	$41,084	$14,916	$26,168	$8,299,305
5	50	$41,084	$14,870	$26,215	$8,273,090
5	51	$41,084	$14,823	$26,262	$8,246,829
5	52	$41,084	$14,776	$26,309	$8,220,520
5	53	$41,084	$14,728	$26,356	$8,194,164
5	54	$41,084	$14,681	$26,403	$8,167,761
5	55	$41,084	$14,634	$26,450	$8,141,311
5	56	$41,084	$14,587	$26,498	$8,114,813
5	57	$41,084	$14,539	$26,545	$8,088,268
5	58	$41,084	$14,491	$26,593	$8,061,675
5	59	$41,084	$14,444	$26,640	$8,035,035
5	60	$41,084	$14,396	$26,688	$8,008,346
6	61	$41,084	$14,348	$26,736	$7,981,610
6	62	$41,084	$14,300	$26,784	$7,954,827
6	63	$41,084	$14,252	$26,832	$7,927,995
6	64	$41,084	$14,204	$26,880	$7,901,115
6	65	$41,084	$14,156	$26,928	$7,874,187
6	66	$41,084	$14,108	$26,976	$7,847,210
6	67	$41,084	$14,060	$27,025	$7,820,186
6	68	$41,084	$14,011	$27,073	$7,793,113
6	69	$41,084	$13,963	$27,122	$7,765,991
6	70	$41,084	$13,914	$27,170	$7,738,821
6	71	$41,084	$13,865	$27,219	$7,711,602
6	72	$41,084	$13,817	$27,268	$7,684,334
7	73	$41,084	$13,768	$27,316	$7,657,018
7	74	$41,084	$13,719	$27,365	$7,629,652
7	75	$41,084	$13,670	$27,414	$7,602,238
7	76	$41,084	$13,621	$27,464	$7,574,774
7	77	$41,084	$13,571	$27,513	$7,547,262
7	78	$41,084	$13,522	$27,562	$7,519,700
7	79	$41,084	$13,473	$27,611	$7,492,088
7	80	$41,084	$13,423	$27,661	$7,464,427
7	81	$41,084	$13,374	$27,710	$7,436,717
7	82	$41,084	$13,324	$27,760	$7,408,957
7	83	$41,084	$13,274	$27,810	$7,381,147
7	84	$41,084	$13,225	$27,860	$7,353,287
8	85	$41,084	$13,175	$27,910	$7,325,377
8	86	$41,084	$13,125	$27,960	$7,297,418
8	87	$41,084	$13,075	$28,010	$7,269,408
8	88	$41,084	$13,024	$28,060	$7,241,348
8	89	$41,084	$12,974	$28,110	$7,213,238
8	90	$41,084	$12,924	$28,161	$7,185,077
8	91	$41,084	$12,873	$28,211	$7,156,866
8	92	$41,084	$12,823	$28,262	$7,128,605
8	93	$41,084	$12,772	$28,312	$7,100,293
8	94	$41,084	$12,721	$28,363	$7,071,930
8	95	$41,084	$12,671	$28,414	$7,043,516
8	96	$41,084	$12,620	$28,465	$7,015,052
9	97	$41,084	$12,569	$28,516	$6,986,536
9	98	$41,084	$12,518	$28,567	$6,957,969
9	99	$41,084	$12,466	$28,618	$6,929,351
9	100	$41,084	$12,415	$28,669	$6,900,682
9	101	$41,084	$12,364	$28,721	$6,871,962
9	102	$41,084	$12,312	$28,772	$6,843,190
9	103	$41,084	$12,261	$28,824	$6,814,366
9	104	$41,084	$12,209	$28,875	$6,785,491
9	105	$41,084	$12,157	$28,927	$6,756,564
9	106	$41,084	$12,106	$28,979	$6,727,585
9	107	$41,084	$12,054	$29,031	$6,698,555
9	108	$41,084	$12,002	$29,083	$6,669,472
10	109	$41,084	$11,949	$29,135	$6,640,337
10	110	$41,084	$11,897	$29,187	$6,611,150
10	111	$41,084	$11,845	$29,239	$6,581,911
10	112	$41,084	$11,793	$29,292	$6,552,619
10	113	$41,084	$11,740	$29,344	$6,523,275
10	114	$41,084	$11,688	$29,397	$6,493,878
10	115	$41,084	$11,635	$29,449	$6,464,429
10	116	$41,084	$11,582	$29,502	$6,434,927
10	117	$41,084	$11,529	$29,555	$6,405,372
10	118	$41,084	$11,476	$29,608	$6,375,764
10	119	$41,084	$11,423	$29,661	$6,346,103
10	120	$41,084	$11,370	$29,714	$6,316,389
11	121	$41,084	$11,317	$29,767	$6,286,621
11	122	$41,084	$11,264	$29,821	$6,256,801
11	123	$41,084	$11,210	$29,874	$6,226,926
11	124	$41,084	$11,157	$29,928	$6,196,999
11	125	$41,084	$11,103	$29,981	$6,167,018
11	126	$41,084	$11,049	$30,035	$6,136,983
11	127	$41,084	$10,995	$30,089	$6,106,894
11	128	$41,084	$10,942	$30,143	$6,076,751
11	129	$41,084	$10,888	$30,197	$6,046,554
11	130	$41,084	$10,833	$30,251	$6,016,303
11	131	$41,084	$10,779	$30,305	$5,985,998
11	132	$41,084	$10,725	$30,359	$5,955,639
12	133	$41,084	$10,671	$30,414	$5,925,225
12	134	$41,084	$10,616	$30,468	$5,894,757
12	135	$41,084	$10,561	$30,523	$5,864,234
12	136	$41,084	$10,507	$30,577	$5,833,657
12	137	$41,084	$10,452	$30,632	$5,803,024
12	138	$41,084	$10,397	$30,687	$5,772,337
12	139	$41,084	$10,342	$30,742	$5,741,595
12	140	$41,084	$10,287	$30,797	$5,710,798
12	141	$41,084	$10,232	$30,852	$5,679,946
12	142	$41,084	$10,177	$30,908	$5,649,038
12	143	$41,084	$10,121	$30,963	$5,618,075
12	144	$41,084	$10,066	$31,019	$5,587,056
13	145	$41,084	$10,010	$31,074	$5,555,982
13	146	$41,084	$9,954	$31,130	$5,524,852
13	147	$41,084	$9,899	$31,186	$5,493,667
13	148	$41,084	$9,843	$31,241	$5,462,425
13	149	$41,084	$9,787	$31,297	$5,431,128
13	150	$41,084	$9,731	$31,353	$5,399,774
13	151	$41,084	$9,675	$31,410	$5,368,365
13	152	$41,084	$9,618	$31,466	$5,336,899
13	153	$41,084	$9,562	$31,522	$5,305,377
13	154	$41,084	$9,505	$31,579	$5,273,798
13	155	$41,084	$9,449	$31,635	$5,242,162
13	156	$41,084	$9,392	$31,692	$5,210,470
14	157	$41,084	$9,335	$31,749	$5,178,722
14	158	$41,084	$9,279	$31,806	$5,146,916
14	159	$41,084	$9,222	$31,863	$5,115,053
14	160	$41,084	$9,164	$31,920	$5,083,133
14	161	$41,084	$9,107	$31,977	$5,051,156
14	162	$41,084	$9,050	$32,034	$5,019,122
14	163	$41,084	$8,993	$32,092	$4,987,031
14	164	$41,084	$8,935	$32,149	$4,954,881
14	165	$41,084	$8,877	$32,207	$4,922,675
14	166	$41,084	$8,820	$32,264	$4,890,410
14	167	$41,084	$8,762	$32,322	$4,858,088
14	168	$41,084	$8,704	$32,380	$4,825,708
15	169	$41,084	$8,646	$32,438	$4,793,270
15	170	$41,084	$8,588	$32,496	$4,760,773
15	171	$41,084	$8,530	$32,555	$4,728,219
15	172	$41,084	$8,471	$32,613	$4,695,606
15	173	$41,084	$8,413	$32,671	$4,662,935
15	174	$41,084	$8,354	$32,730	$4,630,205
15	175	$41,084	$8,296	$32,788	$4,597,416
15	176	$41,084	$8,237	$32,847	$4,564,569
15	177	$41,084	$8,178	$32,906	$4,531,663
15	178	$41,084	$8,119	$32,965	$4,498,698
15	179	$41,084	$8,060	$33,024	$4,465,674
15	180	$41,084	$8,001	$33,083	$4,432,591
16	181	$41,084	$7,942	$33,143	$4,399,448
16	182	$41,084	$7,882	$33,202	$4,366,246
16	183	$41,084	$7,823	$33,261	$4,332,985
16	184	$41,084	$7,763	$33,321	$4,299,664
16	185	$41,084	$7,704	$33,381	$4,266,283
16	186	$41,084	$7,644	$33,440	$4,232,843
16	187	$41,084	$7,584	$33,500	$4,199,342
16	188	$41,084	$7,524	$33,560	$4,165,782
16	189	$41,084	$7,464	$33,621	$4,132,161
16	190	$41,084	$7,403	$33,681	$4,098,480
16	191	$41,084	$7,343	$33,741	$4,064,739
16	192	$41,084	$7,283	$33,802	$4,030,938
17	193	$41,084	$7,222	$33,862	$3,997,076
17	194	$41,084	$7,161	$33,923	$3,963,153
17	195	$41,084	$7,101	$33,984	$3,929,169
17	196	$41,084	$7,040	$34,044	$3,895,125
17	197	$41,084	$6,979	$34,105	$3,861,019
17	198	$41,084	$6,918	$34,167	$3,826,853
17	199	$41,084	$6,856	$34,228	$3,792,625
17	200	$41,084	$6,795	$34,289	$3,758,336
17	201	$41,084	$6,734	$34,351	$3,723,985
17	202	$41,084	$6,672	$34,412	$3,689,573
17	203	$41,084	$6,610	$34,474	$3,655,099
17	204	$41,084	$6,549	$34,536	$3,620,564
18	205	$41,084	$6,487	$34,597	$3,585,966
18	206	$41,084	$6,425	$34,659	$3,551,307
18	207	$41,084	$6,363	$34,721	$3,516,585
18	208	$41,084	$6,301	$34,784	$3,481,802
18	209	$41,084	$6,238	$34,846	$3,446,956
18	210	$41,084	$6,176	$34,908	$3,412,047
18	211	$41,084	$6,113	$34,971	$3,377,076
18	212	$41,084	$6,051	$35,034	$3,342,042
18	213	$41,084	$5,988	$35,096	$3,306,946
18	214	$41,084	$5,925	$35,159	$3,271,787
18	215	$41,084	$5,862	$35,222	$3,236,564
18	216	$41,084	$5,799	$35,285	$3,201,279
19	217	$41,084	$5,736	$35,349	$3,165,930
19	218	$41,084	$5,672	$35,412	$3,130,518
19	219	$41,084	$5,609	$35,475	$3,095,043
19	220	$41,084	$5,545	$35,539	$3,059,504
19	221	$41,084	$5,482	$35,603	$3,023,901
19	222	$41,084	$5,418	$35,666	$2,988,235
19	223	$41,084	$5,354	$35,730	$2,952,505
19	224	$41,084	$5,290	$35,794	$2,916,710
19	225	$41,084	$5,226	$35,858	$2,880,852
19	226	$41,084	$5,162	$35,923	$2,844,929
19	227	$41,084	$5,097	$35,987	$2,808,942
19	228	$41,084	$5,033	$36,052	$2,772,891
20	229	$41,084	$4,968	$36,116	$2,736,774
20	230	$41,084	$4,903	$36,181	$2,700,593
20	231	$41,084	$4,839	$36,246	$2,664,348
20	232	$41,084	$4,774	$36,311	$2,628,037
20	233	$41,084	$4,709	$36,376	$2,591,661
20	234	$41,084	$4,643	$36,441	$2,555,221
20	235	$41,084	$4,578	$36,506	$2,518,714
20	236	$41,084	$4,513	$36,572	$2,482,143
20	237	$41,084	$4,447	$36,637	$2,445,506
20	238	$41,084	$4,382	$36,703	$2,408,803
20	239	$41,084	$4,316	$36,768	$2,372,035
20	240	$41,084	$4,250	$36,834	$2,335,200
21	241	$41,084	$4,184	$36,900	$2,298,300
21	242	$41,084	$4,118	$36,966	$2,261,333
21	243	$41,084	$4,052	$37,033	$2,224,301
21	244	$41,084	$3,985	$37,099	$2,187,202
21	245	$41,084	$3,919	$37,166	$2,150,036
21	246	$41,084	$3,852	$37,232	$2,112,804
21	247	$41,084	$3,785	$37,299	$2,075,505
21	248	$41,084	$3,719	$37,366	$2,038,140
21	249	$41,084	$3,652	$37,433	$2,000,707
21	250	$41,084	$3,585	$37,500	$1,963,207
21	251	$41,084	$3,517	$37,567	$1,925,641
21	252	$41,084	$3,450	$37,634	$1,888,006
22	253	$41,084	$3,383	$37,702	$1,850,305
22	254	$41,084	$3,315	$37,769	$1,812,536
22	255	$41,084	$3,247	$37,837	$1,774,699
22	256	$41,084	$3,180	$37,905	$1,736,794
22	257	$41,084	$3,112	$37,972	$1,698,822
22	258	$41,084	$3,044	$38,041	$1,660,781
22	259	$41,084	$2,976	$38,109	$1,622,673
22	260	$41,084	$2,907	$38,177	$1,584,496
22	261	$41,084	$2,839	$38,245	$1,546,250
22	262	$41,084	$2,770	$38,314	$1,507,936
22	263	$41,084	$2,702	$38,383	$1,469,554
22	264	$41,084	$2,633	$38,451	$1,431,103
23	265	$41,084	$2,564	$38,520	$1,392,582
23	266	$41,084	$2,495	$38,589	$1,353,993
23	267	$41,084	$2,426	$38,658	$1,315,335
23	268	$41,084	$2,357	$38,728	$1,276,607
23	269	$41,084	$2,287	$38,797	$1,237,810
23	270	$41,084	$2,218	$38,867	$1,198,944
23	271	$41,084	$2,148	$38,936	$1,160,008
23	272	$41,084	$2,078	$39,006	$1,121,002
23	273	$41,084	$2,008	$39,076	$1,081,926
23	274	$41,084	$1,938	$39,146	$1,042,780
23	275	$41,084	$1,868	$39,216	$1,003,564
23	276	$41,084	$1,798	$39,286	$964,278
24	277	$41,084	$1,728	$39,357	$924,921
24	278	$41,084	$1,657	$39,427	$885,494
24	279	$41,084	$1,587	$39,498	$845,997
24	280	$41,084	$1,516	$39,569	$806,428
24	281	$41,084	$1,445	$39,639	$766,789
24	282	$41,084	$1,374	$39,710	$727,078
24	283	$41,084	$1,303	$39,782	$687,297
24	284	$41,084	$1,231	$39,853	$647,444
24	285	$41,084	$1,160	$39,924	$607,520
24	286	$41,084	$1,088	$39,996	$567,524
24	287	$41,084	$1,017	$40,067	$527,456
24	288	$41,084	$945	$40,139	$487,317
25	289	$41,084	$873	$40,211	$447,106
25	290	$41,084	$801	$40,283	$406,823
25	291	$41,084	$729	$40,355	$366,467
25	292	$41,084	$657	$40,428	$326,040
25	293	$41,084	$584	$40,500	$285,540
25	294	$41,084	$512	$40,573	$244,967
25	295	$41,084	$439	$40,645	$204,322
25	296	$41,084	$366	$40,718	$163,604
25	297	$41,084	$293	$40,791	$122,812
25	298	$41,084	$220	$40,864	$81,948
25	299	$41,084	$147	$40,937	$41,011
25	300	$41,084	$73	$41,011	$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$ 6,352,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,510,800

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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.