Century 21 Centaland Property

Down Payment (HKD)

$6,800,000

Monthly Repayment (HKD)

$43,982

Loan Amount (HKD)

$10,200,000

Total Interest (HKD)

$2,994,564

Total Repayment (HKD)

$13,194,564

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$43,982	$18,275	$25,707	$10,174,293
1	2	$43,982	$18,229	$25,753	$10,148,540
1	3	$43,982	$18,183	$25,799	$10,122,741
1	4	$43,982	$18,137	$25,845	$10,096,896
1	5	$43,982	$18,090	$25,892	$10,071,004
1	6	$43,982	$18,044	$25,938	$10,045,066
1	7	$43,982	$17,997	$25,984	$10,019,082
1	8	$43,982	$17,951	$26,031	$9,993,051
1	9	$43,982	$17,904	$26,078	$9,966,973
1	10	$43,982	$17,857	$26,124	$9,940,849
1	11	$43,982	$17,811	$26,171	$9,914,677
1	12	$43,982	$17,764	$26,218	$9,888,459
2	13	$43,982	$17,717	$26,265	$9,862,194
2	14	$43,982	$17,670	$26,312	$9,835,882
2	15	$43,982	$17,623	$26,359	$9,809,523
2	16	$43,982	$17,575	$26,406	$9,783,116
2	17	$43,982	$17,528	$26,454	$9,756,663
2	18	$43,982	$17,481	$26,501	$9,730,161
2	19	$43,982	$17,433	$26,549	$9,703,613
2	20	$43,982	$17,386	$26,596	$9,677,017
2	21	$43,982	$17,338	$26,644	$9,650,373
2	22	$43,982	$17,290	$26,692	$9,623,681
2	23	$43,982	$17,242	$26,739	$9,596,942
2	24	$43,982	$17,195	$26,787	$9,570,154
3	25	$43,982	$17,147	$26,835	$9,543,319
3	26	$43,982	$17,098	$26,883	$9,516,435
3	27	$43,982	$17,050	$26,932	$9,489,504
3	28	$43,982	$17,002	$26,980	$9,462,524
3	29	$43,982	$16,954	$27,028	$9,435,496
3	30	$43,982	$16,905	$27,077	$9,408,419
3	31	$43,982	$16,857	$27,125	$9,381,294
3	32	$43,982	$16,808	$27,174	$9,354,120
3	33	$43,982	$16,759	$27,222	$9,326,898
3	34	$43,982	$16,711	$27,271	$9,299,627
3	35	$43,982	$16,662	$27,320	$9,272,307
3	36	$43,982	$16,613	$27,369	$9,244,938
4	37	$43,982	$16,564	$27,418	$9,217,520
4	38	$43,982	$16,515	$27,467	$9,190,052
4	39	$43,982	$16,466	$27,516	$9,162,536
4	40	$43,982	$16,416	$27,566	$9,134,970
4	41	$43,982	$16,367	$27,615	$9,107,355
4	42	$43,982	$16,317	$27,665	$9,079,691
4	43	$43,982	$16,268	$27,714	$9,051,977
4	44	$43,982	$16,218	$27,764	$9,024,213
4	45	$43,982	$16,168	$27,813	$8,996,399
4	46	$43,982	$16,119	$27,863	$8,968,536
4	47	$43,982	$16,069	$27,913	$8,940,623
4	48	$43,982	$16,019	$27,963	$8,912,660
5	49	$43,982	$15,969	$28,013	$8,884,646
5	50	$43,982	$15,918	$28,064	$8,856,583
5	51	$43,982	$15,868	$28,114	$8,828,469
5	52	$43,982	$15,818	$28,164	$8,800,305
5	53	$43,982	$15,767	$28,215	$8,772,090
5	54	$43,982	$15,717	$28,265	$8,743,825
5	55	$43,982	$15,666	$28,316	$8,715,509
5	56	$43,982	$15,615	$28,367	$8,687,142
5	57	$43,982	$15,564	$28,417	$8,658,725
5	58	$43,982	$15,514	$28,468	$8,630,257
5	59	$43,982	$15,463	$28,519	$8,601,737
5	60	$43,982	$15,411	$28,570	$8,573,167
6	61	$43,982	$15,360	$28,622	$8,544,545
6	62	$43,982	$15,309	$28,673	$8,515,872
6	63	$43,982	$15,258	$28,724	$8,487,148
6	64	$43,982	$15,206	$28,776	$8,458,372
6	65	$43,982	$15,155	$28,827	$8,429,545
6	66	$43,982	$15,103	$28,879	$8,400,666
6	67	$43,982	$15,051	$28,931	$8,371,735
6	68	$43,982	$14,999	$28,983	$8,342,753
6	69	$43,982	$14,947	$29,034	$8,313,718
6	70	$43,982	$14,895	$29,086	$8,284,632
6	71	$43,982	$14,843	$29,139	$8,255,493
6	72	$43,982	$14,791	$29,191	$8,226,303
7	73	$43,982	$14,739	$29,243	$8,197,059
7	74	$43,982	$14,686	$29,295	$8,167,764
7	75	$43,982	$14,634	$29,348	$8,138,416
7	76	$43,982	$14,581	$29,401	$8,109,015
7	77	$43,982	$14,529	$29,453	$8,079,562
7	78	$43,982	$14,476	$29,506	$8,050,056
7	79	$43,982	$14,423	$29,559	$8,020,497
7	80	$43,982	$14,370	$29,612	$7,990,886
7	81	$43,982	$14,317	$29,665	$7,961,221
7	82	$43,982	$14,264	$29,718	$7,931,503
7	83	$43,982	$14,211	$29,771	$7,901,731
7	84	$43,982	$14,157	$29,825	$7,871,907
8	85	$43,982	$14,104	$29,878	$7,842,029
8	86	$43,982	$14,050	$29,932	$7,812,097
8	87	$43,982	$13,997	$29,985	$7,782,112
8	88	$43,982	$13,943	$30,039	$7,752,073
8	89	$43,982	$13,889	$30,093	$7,721,980
8	90	$43,982	$13,835	$30,147	$7,691,834
8	91	$43,982	$13,781	$30,201	$7,661,633
8	92	$43,982	$13,727	$30,255	$7,631,378
8	93	$43,982	$13,673	$30,309	$7,601,069
8	94	$43,982	$13,619	$30,363	$7,570,706
8	95	$43,982	$13,564	$30,418	$7,540,288
8	96	$43,982	$13,510	$30,472	$7,509,816
9	97	$43,982	$13,455	$30,527	$7,479,289
9	98	$43,982	$13,400	$30,581	$7,448,708
9	99	$43,982	$13,346	$30,636	$7,418,071
9	100	$43,982	$13,291	$30,691	$7,387,380
9	101	$43,982	$13,236	$30,746	$7,356,634
9	102	$43,982	$13,181	$30,801	$7,325,833
9	103	$43,982	$13,125	$30,856	$7,294,976
9	104	$43,982	$13,070	$30,912	$7,264,065
9	105	$43,982	$13,015	$30,967	$7,233,098
9	106	$43,982	$12,959	$31,023	$7,202,075
9	107	$43,982	$12,904	$31,078	$7,170,997
9	108	$43,982	$12,848	$31,134	$7,139,863
10	109	$43,982	$12,792	$31,190	$7,108,673
10	110	$43,982	$12,736	$31,246	$7,077,428
10	111	$43,982	$12,680	$31,301	$7,046,126
10	112	$43,982	$12,624	$31,358	$7,014,769
10	113	$43,982	$12,568	$31,414	$6,983,355
10	114	$43,982	$12,512	$31,470	$6,951,885
10	115	$43,982	$12,455	$31,526	$6,920,359
10	116	$43,982	$12,399	$31,583	$6,888,776
10	117	$43,982	$12,342	$31,639	$6,857,136
10	118	$43,982	$12,286	$31,696	$6,825,440
10	119	$43,982	$12,229	$31,753	$6,793,687
10	120	$43,982	$12,172	$31,810	$6,761,877
11	121	$43,982	$12,115	$31,867	$6,730,010
11	122	$43,982	$12,058	$31,924	$6,698,086
11	123	$43,982	$12,001	$31,981	$6,666,105
11	124	$43,982	$11,943	$32,038	$6,634,067
11	125	$43,982	$11,886	$32,096	$6,601,971
11	126	$43,982	$11,829	$32,153	$6,569,818
11	127	$43,982	$11,771	$32,211	$6,537,607
11	128	$43,982	$11,713	$32,269	$6,505,338
11	129	$43,982	$11,655	$32,326	$6,473,011
11	130	$43,982	$11,597	$32,384	$6,440,627
11	131	$43,982	$11,539	$32,442	$6,408,185
11	132	$43,982	$11,481	$32,501	$6,375,684
12	133	$43,982	$11,423	$32,559	$6,343,125
12	134	$43,982	$11,365	$32,617	$6,310,508
12	135	$43,982	$11,306	$32,676	$6,277,833
12	136	$43,982	$11,248	$32,734	$6,245,099
12	137	$43,982	$11,189	$32,793	$6,212,306
12	138	$43,982	$11,130	$32,851	$6,179,454
12	139	$43,982	$11,072	$32,910	$6,146,544
12	140	$43,982	$11,013	$32,969	$6,113,575
12	141	$43,982	$10,953	$33,028	$6,080,546
12	142	$43,982	$10,894	$33,088	$6,047,459
12	143	$43,982	$10,835	$33,147	$6,014,312
12	144	$43,982	$10,776	$33,206	$5,981,106
13	145	$43,982	$10,716	$33,266	$5,947,840
13	146	$43,982	$10,657	$33,325	$5,914,514
13	147	$43,982	$10,597	$33,385	$5,881,129
13	148	$43,982	$10,537	$33,445	$5,847,685
13	149	$43,982	$10,477	$33,505	$5,814,180
13	150	$43,982	$10,417	$33,565	$5,780,615
13	151	$43,982	$10,357	$33,625	$5,746,990
13	152	$43,982	$10,297	$33,685	$5,713,305
13	153	$43,982	$10,236	$33,746	$5,679,559
13	154	$43,982	$10,176	$33,806	$5,645,753
13	155	$43,982	$10,115	$33,867	$5,611,887
13	156	$43,982	$10,055	$33,927	$5,577,959
14	157	$43,982	$9,994	$33,988	$5,543,971
14	158	$43,982	$9,933	$34,049	$5,509,923
14	159	$43,982	$9,872	$34,110	$5,475,813
14	160	$43,982	$9,811	$34,171	$5,441,642
14	161	$43,982	$9,750	$34,232	$5,407,409
14	162	$43,982	$9,688	$34,294	$5,373,116
14	163	$43,982	$9,627	$34,355	$5,338,761
14	164	$43,982	$9,565	$34,417	$5,304,344
14	165	$43,982	$9,504	$34,478	$5,269,866
14	166	$43,982	$9,442	$34,540	$5,235,326
14	167	$43,982	$9,380	$34,602	$5,200,724
14	168	$43,982	$9,318	$34,664	$5,166,060
15	169	$43,982	$9,256	$34,726	$5,131,334
15	170	$43,982	$9,194	$34,788	$5,096,546
15	171	$43,982	$9,131	$34,851	$5,061,695
15	172	$43,982	$9,069	$34,913	$5,026,782
15	173	$43,982	$9,006	$34,976	$4,991,806
15	174	$43,982	$8,944	$35,038	$4,956,768
15	175	$43,982	$8,881	$35,101	$4,921,667
15	176	$43,982	$8,818	$35,164	$4,886,503
15	177	$43,982	$8,755	$35,227	$4,851,276
15	178	$43,982	$8,692	$35,290	$4,815,986
15	179	$43,982	$8,629	$35,353	$4,780,633
15	180	$43,982	$8,565	$35,417	$4,745,217
16	181	$43,982	$8,502	$35,480	$4,709,737
16	182	$43,982	$8,438	$35,544	$4,674,193
16	183	$43,982	$8,375	$35,607	$4,638,586
16	184	$43,982	$8,311	$35,671	$4,602,915
16	185	$43,982	$8,247	$35,735	$4,567,180
16	186	$43,982	$8,183	$35,799	$4,531,381
16	187	$43,982	$8,119	$35,863	$4,495,517
16	188	$43,982	$8,054	$35,927	$4,459,590
16	189	$43,982	$7,990	$35,992	$4,423,598
16	190	$43,982	$7,926	$36,056	$4,387,542
16	191	$43,982	$7,861	$36,121	$4,351,421
16	192	$43,982	$7,796	$36,186	$4,315,236
17	193	$43,982	$7,731	$36,250	$4,278,985
17	194	$43,982	$7,667	$36,315	$4,242,670
17	195	$43,982	$7,601	$36,380	$4,206,289
17	196	$43,982	$7,536	$36,446	$4,169,844
17	197	$43,982	$7,471	$36,511	$4,133,333
17	198	$43,982	$7,406	$36,576	$4,096,756
17	199	$43,982	$7,340	$36,642	$4,060,115
17	200	$43,982	$7,274	$36,708	$4,023,407
17	201	$43,982	$7,209	$36,773	$3,986,634
17	202	$43,982	$7,143	$36,839	$3,949,795
17	203	$43,982	$7,077	$36,905	$3,912,890
17	204	$43,982	$7,011	$36,971	$3,875,918
18	205	$43,982	$6,944	$37,038	$3,838,881
18	206	$43,982	$6,878	$37,104	$3,801,777
18	207	$43,982	$6,812	$37,170	$3,764,606
18	208	$43,982	$6,745	$37,237	$3,727,369
18	209	$43,982	$6,678	$37,304	$3,690,066
18	210	$43,982	$6,611	$37,371	$3,652,695
18	211	$43,982	$6,544	$37,437	$3,615,258
18	212	$43,982	$6,477	$37,505	$3,577,753
18	213	$43,982	$6,410	$37,572	$3,540,182
18	214	$43,982	$6,343	$37,639	$3,502,542
18	215	$43,982	$6,275	$37,706	$3,464,836
18	216	$43,982	$6,208	$37,774	$3,427,062
19	217	$43,982	$6,140	$37,842	$3,389,220
19	218	$43,982	$6,072	$37,910	$3,351,311
19	219	$43,982	$6,004	$37,977	$3,313,333
19	220	$43,982	$5,936	$38,045	$3,275,288
19	221	$43,982	$5,868	$38,114	$3,237,174
19	222	$43,982	$5,800	$38,182	$3,198,992
19	223	$43,982	$5,732	$38,250	$3,160,742
19	224	$43,982	$5,663	$38,319	$3,122,423
19	225	$43,982	$5,594	$38,388	$3,084,035
19	226	$43,982	$5,526	$38,456	$3,045,579
19	227	$43,982	$5,457	$38,525	$3,007,054
19	228	$43,982	$5,388	$38,594	$2,968,460
20	229	$43,982	$5,318	$38,663	$2,929,796
20	230	$43,982	$5,249	$38,733	$2,891,064
20	231	$43,982	$5,180	$38,802	$2,852,261
20	232	$43,982	$5,110	$38,872	$2,813,390
20	233	$43,982	$5,041	$38,941	$2,774,449
20	234	$43,982	$4,971	$39,011	$2,735,438
20	235	$43,982	$4,901	$39,081	$2,696,357
20	236	$43,982	$4,831	$39,151	$2,657,206
20	237	$43,982	$4,761	$39,221	$2,617,985
20	238	$43,982	$4,691	$39,291	$2,578,694
20	239	$43,982	$4,620	$39,362	$2,539,332
20	240	$43,982	$4,550	$39,432	$2,499,900
21	241	$43,982	$4,479	$39,503	$2,460,397
21	242	$43,982	$4,408	$39,574	$2,420,823
21	243	$43,982	$4,337	$39,645	$2,381,178
21	244	$43,982	$4,266	$39,716	$2,341,463
21	245	$43,982	$4,195	$39,787	$2,301,676
21	246	$43,982	$4,124	$39,858	$2,261,818
21	247	$43,982	$4,052	$39,929	$2,221,889
21	248	$43,982	$3,981	$40,001	$2,181,888
21	249	$43,982	$3,909	$40,073	$2,141,815
21	250	$43,982	$3,837	$40,144	$2,101,670
21	251	$43,982	$3,765	$40,216	$2,061,454
21	252	$43,982	$3,693	$40,288	$2,021,166
22	253	$43,982	$3,621	$40,361	$1,980,805
22	254	$43,982	$3,549	$40,433	$1,940,372
22	255	$43,982	$3,476	$40,505	$1,899,867
22	256	$43,982	$3,404	$40,578	$1,859,289
22	257	$43,982	$3,331	$40,651	$1,818,638
22	258	$43,982	$3,258	$40,723	$1,777,915
22	259	$43,982	$3,185	$40,796	$1,737,118
22	260	$43,982	$3,112	$40,870	$1,696,249
22	261	$43,982	$3,039	$40,943	$1,655,306
22	262	$43,982	$2,966	$41,016	$1,614,290
22	263	$43,982	$2,892	$41,090	$1,573,200
22	264	$43,982	$2,819	$41,163	$1,532,037
23	265	$43,982	$2,745	$41,237	$1,490,800
23	266	$43,982	$2,671	$41,311	$1,449,489
23	267	$43,982	$2,597	$41,385	$1,408,104
23	268	$43,982	$2,523	$41,459	$1,366,645
23	269	$43,982	$2,449	$41,533	$1,325,112
23	270	$43,982	$2,374	$41,608	$1,283,504
23	271	$43,982	$2,300	$41,682	$1,241,822
23	272	$43,982	$2,225	$41,757	$1,200,065
23	273	$43,982	$2,150	$41,832	$1,158,233
23	274	$43,982	$2,075	$41,907	$1,116,326
23	275	$43,982	$2,000	$41,982	$1,074,345
23	276	$43,982	$1,925	$42,057	$1,032,288
24	277	$43,982	$1,850	$42,132	$990,155
24	278	$43,982	$1,774	$42,208	$947,947
24	279	$43,982	$1,698	$42,283	$905,664
24	280	$43,982	$1,623	$42,359	$863,305
24	281	$43,982	$1,547	$42,435	$820,870
24	282	$43,982	$1,471	$42,511	$778,358
24	283	$43,982	$1,395	$42,587	$735,771
24	284	$43,982	$1,318	$42,664	$693,107
24	285	$43,982	$1,242	$42,740	$650,367
24	286	$43,982	$1,165	$42,817	$607,551
24	287	$43,982	$1,089	$42,893	$564,657
24	288	$43,982	$1,012	$42,970	$521,687
25	289	$43,982	$935	$43,047	$478,640
25	290	$43,982	$858	$43,124	$435,516
25	291	$43,982	$780	$43,202	$392,314
25	292	$43,982	$703	$43,279	$349,035
25	293	$43,982	$625	$43,357	$305,679
25	294	$43,982	$548	$43,434	$262,244
25	295	$43,982	$470	$43,512	$218,732
25	296	$43,982	$392	$43,590	$175,142
25	297	$43,982	$314	$43,668	$131,474
25	298	$43,982	$236	$43,746	$87,728
25	299	$43,982	$157	$43,825	$43,903
25	300	$43,982	$79	$43,903	$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$ 6,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,970,000

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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.