Century 21 Centaland Property

Down Payment (HKD)

$8,720,000

Monthly Repayment (HKD)

$56,400

Loan Amount (HKD)

$13,080,000

Total Interest (HKD)

$3,840,088

Total Repayment (HKD)

$16,920,088

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$56,400	$23,435	$32,965	$13,047,035
1	2	$56,400	$23,376	$33,024	$13,014,010
1	3	$56,400	$23,317	$33,084	$12,980,927
1	4	$56,400	$23,257	$33,143	$12,947,784
1	5	$56,400	$23,198	$33,202	$12,914,582
1	6	$56,400	$23,139	$33,262	$12,881,320
1	7	$56,400	$23,079	$33,321	$12,847,999
1	8	$56,400	$23,019	$33,381	$12,814,618
1	9	$56,400	$22,960	$33,441	$12,781,177
1	10	$56,400	$22,900	$33,501	$12,747,676
1	11	$56,400	$22,840	$33,561	$12,714,116
1	12	$56,400	$22,779	$33,621	$12,680,495
2	13	$56,400	$22,719	$33,681	$12,646,814
2	14	$56,400	$22,659	$33,741	$12,613,072
2	15	$56,400	$22,598	$33,802	$12,579,271
2	16	$56,400	$22,538	$33,862	$12,545,408
2	17	$56,400	$22,477	$33,923	$12,511,485
2	18	$56,400	$22,416	$33,984	$12,477,501
2	19	$56,400	$22,356	$34,045	$12,443,456
2	20	$56,400	$22,295	$34,106	$12,409,351
2	21	$56,400	$22,233	$34,167	$12,375,184
2	22	$56,400	$22,172	$34,228	$12,340,956
2	23	$56,400	$22,111	$34,289	$12,306,666
2	24	$56,400	$22,049	$34,351	$12,272,315
3	25	$56,400	$21,988	$34,412	$12,237,903
3	26	$56,400	$21,926	$34,474	$12,203,429
3	27	$56,400	$21,864	$34,536	$12,168,893
3	28	$56,400	$21,803	$34,598	$12,134,295
3	29	$56,400	$21,741	$34,660	$12,099,636
3	30	$56,400	$21,679	$34,722	$12,064,914
3	31	$56,400	$21,616	$34,784	$12,030,130
3	32	$56,400	$21,554	$34,846	$11,995,284
3	33	$56,400	$21,492	$34,909	$11,960,375
3	34	$56,400	$21,429	$34,971	$11,925,404
3	35	$56,400	$21,366	$35,034	$11,890,370
3	36	$56,400	$21,304	$35,097	$11,855,273
4	37	$56,400	$21,241	$35,160	$11,820,113
4	38	$56,400	$21,178	$35,223	$11,784,891
4	39	$56,400	$21,115	$35,286	$11,749,605
4	40	$56,400	$21,051	$35,349	$11,714,256
4	41	$56,400	$20,988	$35,412	$11,678,844
4	42	$56,400	$20,925	$35,476	$11,643,368
4	43	$56,400	$20,861	$35,539	$11,607,829
4	44	$56,400	$20,797	$35,603	$11,572,226
4	45	$56,400	$20,734	$35,667	$11,536,559
4	46	$56,400	$20,670	$35,731	$11,500,829
4	47	$56,400	$20,606	$35,795	$11,465,034
4	48	$56,400	$20,542	$35,859	$11,429,175
5	49	$56,400	$20,477	$35,923	$11,393,252
5	50	$56,400	$20,413	$35,987	$11,357,265
5	51	$56,400	$20,348	$36,052	$11,321,213
5	52	$56,400	$20,284	$36,116	$11,285,097
5	53	$56,400	$20,219	$36,181	$11,248,915
5	54	$56,400	$20,154	$36,246	$11,212,669
5	55	$56,400	$20,089	$36,311	$11,176,358
5	56	$56,400	$20,024	$36,376	$11,139,983
5	57	$56,400	$19,959	$36,441	$11,103,541
5	58	$56,400	$19,894	$36,506	$11,067,035
5	59	$56,400	$19,828	$36,572	$11,030,463
5	60	$56,400	$19,763	$36,637	$10,993,826
6	61	$56,400	$19,697	$36,703	$10,957,123
6	62	$56,400	$19,632	$36,769	$10,920,354
6	63	$56,400	$19,566	$36,835	$10,883,519
6	64	$56,400	$19,500	$36,901	$10,846,619
6	65	$56,400	$19,434	$36,967	$10,809,652
6	66	$56,400	$19,367	$37,033	$10,772,619
6	67	$56,400	$19,301	$37,099	$10,735,519
6	68	$56,400	$19,234	$37,166	$10,698,354
6	69	$56,400	$19,168	$37,232	$10,661,121
6	70	$56,400	$19,101	$37,299	$10,623,822
6	71	$56,400	$19,034	$37,366	$10,586,456
6	72	$56,400	$18,967	$37,433	$10,549,023
7	73	$56,400	$18,900	$37,500	$10,511,523
7	74	$56,400	$18,833	$37,567	$10,473,956
7	75	$56,400	$18,766	$37,634	$10,436,322
7	76	$56,400	$18,698	$37,702	$10,398,620
7	77	$56,400	$18,631	$37,769	$10,360,850
7	78	$56,400	$18,563	$37,837	$10,323,013
7	79	$56,400	$18,495	$37,905	$10,285,108
7	80	$56,400	$18,427	$37,973	$10,247,136
7	81	$56,400	$18,359	$38,041	$10,209,095
7	82	$56,400	$18,291	$38,109	$10,170,986
7	83	$56,400	$18,223	$38,177	$10,132,808
7	84	$56,400	$18,155	$38,246	$10,094,563
8	85	$56,400	$18,086	$38,314	$10,056,249
8	86	$56,400	$18,017	$38,383	$10,017,866
8	87	$56,400	$17,949	$38,452	$9,979,414
8	88	$56,400	$17,880	$38,521	$9,940,894
8	89	$56,400	$17,811	$38,590	$9,902,304
8	90	$56,400	$17,742	$38,659	$9,863,645
8	91	$56,400	$17,672	$38,728	$9,824,917
8	92	$56,400	$17,603	$38,797	$9,786,120
8	93	$56,400	$17,533	$38,867	$9,747,253
8	94	$56,400	$17,464	$38,936	$9,708,317
8	95	$56,400	$17,394	$39,006	$9,669,311
8	96	$56,400	$17,324	$39,076	$9,630,234
9	97	$56,400	$17,254	$39,146	$9,591,088
9	98	$56,400	$17,184	$39,216	$9,551,872
9	99	$56,400	$17,114	$39,287	$9,512,586
9	100	$56,400	$17,043	$39,357	$9,473,229
9	101	$56,400	$16,973	$39,427	$9,433,801
9	102	$56,400	$16,902	$39,498	$9,394,303
9	103	$56,400	$16,831	$39,569	$9,354,734
9	104	$56,400	$16,761	$39,640	$9,315,095
9	105	$56,400	$16,690	$39,711	$9,275,384
9	106	$56,400	$16,618	$39,782	$9,235,602
9	107	$56,400	$16,547	$39,853	$9,195,749
9	108	$56,400	$16,476	$39,925	$9,155,824
10	109	$56,400	$16,404	$39,996	$9,115,828
10	110	$56,400	$16,333	$40,068	$9,075,760
10	111	$56,400	$16,261	$40,140	$9,035,621
10	112	$56,400	$16,189	$40,211	$8,995,409
10	113	$56,400	$16,117	$40,284	$8,955,126
10	114	$56,400	$16,045	$40,356	$8,914,770
10	115	$56,400	$15,972	$40,428	$8,874,342
10	116	$56,400	$15,900	$40,500	$8,833,842
10	117	$56,400	$15,827	$40,573	$8,793,269
10	118	$56,400	$15,755	$40,646	$8,752,623
10	119	$56,400	$15,682	$40,719	$8,711,904
10	120	$56,400	$15,609	$40,791	$8,671,113
11	121	$56,400	$15,536	$40,865	$8,630,248
11	122	$56,400	$15,463	$40,938	$8,589,311
11	123	$56,400	$15,389	$41,011	$8,548,300
11	124	$56,400	$15,316	$41,085	$8,507,215
11	125	$56,400	$15,242	$41,158	$8,466,057
11	126	$56,400	$15,168	$41,232	$8,424,825
11	127	$56,400	$15,094	$41,306	$8,383,519
11	128	$56,400	$15,020	$41,380	$8,342,139
11	129	$56,400	$14,946	$41,454	$8,300,685
11	130	$56,400	$14,872	$41,528	$8,259,157
11	131	$56,400	$14,798	$41,603	$8,217,554
11	132	$56,400	$14,723	$41,677	$8,175,877
12	133	$56,400	$14,648	$41,752	$8,134,125
12	134	$56,400	$14,574	$41,827	$8,092,299
12	135	$56,400	$14,499	$41,902	$8,050,397
12	136	$56,400	$14,424	$41,977	$8,008,420
12	137	$56,400	$14,348	$42,052	$7,966,369
12	138	$56,400	$14,273	$42,127	$7,924,241
12	139	$56,400	$14,198	$42,203	$7,882,039
12	140	$56,400	$14,122	$42,278	$7,839,760
12	141	$56,400	$14,046	$42,354	$7,797,406
12	142	$56,400	$13,970	$42,430	$7,754,976
12	143	$56,400	$13,894	$42,506	$7,712,470
12	144	$56,400	$13,818	$42,582	$7,669,888
13	145	$56,400	$13,742	$42,658	$7,627,230
13	146	$56,400	$13,665	$42,735	$7,584,495
13	147	$56,400	$13,589	$42,811	$7,541,684
13	148	$56,400	$13,512	$42,888	$7,498,796
13	149	$56,400	$13,435	$42,965	$7,455,831
13	150	$56,400	$13,358	$43,042	$7,412,789
13	151	$56,400	$13,281	$43,119	$7,369,670
13	152	$56,400	$13,204	$43,196	$7,326,473
13	153	$56,400	$13,127	$43,274	$7,283,200
13	154	$56,400	$13,049	$43,351	$7,239,848
13	155	$56,400	$12,971	$43,429	$7,196,419
13	156	$56,400	$12,894	$43,507	$7,152,913
14	157	$56,400	$12,816	$43,585	$7,109,328
14	158	$56,400	$12,738	$43,663	$7,065,665
14	159	$56,400	$12,659	$43,741	$7,021,924
14	160	$56,400	$12,581	$43,819	$6,978,105
14	161	$56,400	$12,502	$43,898	$6,934,207
14	162	$56,400	$12,424	$43,977	$6,890,231
14	163	$56,400	$12,345	$44,055	$6,846,175
14	164	$56,400	$12,266	$44,134	$6,802,041
14	165	$56,400	$12,187	$44,213	$6,757,828
14	166	$56,400	$12,108	$44,293	$6,713,535
14	167	$56,400	$12,028	$44,372	$6,669,163
14	168	$56,400	$11,949	$44,451	$6,624,712
15	169	$56,400	$11,869	$44,531	$6,580,181
15	170	$56,400	$11,789	$44,611	$6,535,570
15	171	$56,400	$11,710	$44,691	$6,490,880
15	172	$56,400	$11,629	$44,771	$6,446,109
15	173	$56,400	$11,549	$44,851	$6,401,258
15	174	$56,400	$11,469	$44,931	$6,356,326
15	175	$56,400	$11,388	$45,012	$6,311,314
15	176	$56,400	$11,308	$45,093	$6,266,222
15	177	$56,400	$11,227	$45,173	$6,221,049
15	178	$56,400	$11,146	$45,254	$6,175,794
15	179	$56,400	$11,065	$45,335	$6,130,459
15	180	$56,400	$10,984	$45,417	$6,085,042
16	181	$56,400	$10,902	$45,498	$6,039,545
16	182	$56,400	$10,821	$45,579	$5,993,965
16	183	$56,400	$10,739	$45,661	$5,948,304
16	184	$56,400	$10,657	$45,743	$5,902,561
16	185	$56,400	$10,575	$45,825	$5,856,736
16	186	$56,400	$10,493	$45,907	$5,810,829
16	187	$56,400	$10,411	$45,989	$5,764,840
16	188	$56,400	$10,329	$46,072	$5,718,768
16	189	$56,400	$10,246	$46,154	$5,672,614
16	190	$56,400	$10,163	$46,237	$5,626,377
16	191	$56,400	$10,081	$46,320	$5,580,058
16	192	$56,400	$9,998	$46,403	$5,533,655
17	193	$56,400	$9,914	$46,486	$5,487,169
17	194	$56,400	$9,831	$46,569	$5,440,600
17	195	$56,400	$9,748	$46,653	$5,393,947
17	196	$56,400	$9,664	$46,736	$5,347,211
17	197	$56,400	$9,580	$46,820	$5,300,391
17	198	$56,400	$9,497	$46,904	$5,253,488
17	199	$56,400	$9,412	$46,988	$5,206,500
17	200	$56,400	$9,328	$47,072	$5,159,428
17	201	$56,400	$9,244	$47,156	$5,112,272
17	202	$56,400	$9,159	$47,241	$5,065,031
17	203	$56,400	$9,075	$47,325	$5,017,705
17	204	$56,400	$8,990	$47,410	$4,970,295
18	205	$56,400	$8,905	$47,495	$4,922,800
18	206	$56,400	$8,820	$47,580	$4,875,220
18	207	$56,400	$8,735	$47,666	$4,827,554
18	208	$56,400	$8,649	$47,751	$4,779,803
18	209	$56,400	$8,564	$47,836	$4,731,967
18	210	$56,400	$8,478	$47,922	$4,684,045
18	211	$56,400	$8,392	$48,008	$4,636,037
18	212	$56,400	$8,306	$48,094	$4,587,942
18	213	$56,400	$8,220	$48,180	$4,539,762
18	214	$56,400	$8,134	$48,267	$4,491,496
18	215	$56,400	$8,047	$48,353	$4,443,143
18	216	$56,400	$7,961	$48,440	$4,394,703
19	217	$56,400	$7,874	$48,526	$4,346,177
19	218	$56,400	$7,787	$48,613	$4,297,563
19	219	$56,400	$7,700	$48,700	$4,248,863
19	220	$56,400	$7,613	$48,788	$4,200,075
19	221	$56,400	$7,525	$48,875	$4,151,200
19	222	$56,400	$7,438	$48,963	$4,102,237
19	223	$56,400	$7,350	$49,050	$4,053,187
19	224	$56,400	$7,262	$49,138	$4,004,048
19	225	$56,400	$7,174	$49,226	$3,954,822
19	226	$56,400	$7,086	$49,315	$3,905,507
19	227	$56,400	$6,997	$49,403	$3,856,104
19	228	$56,400	$6,909	$49,491	$3,806,613
20	229	$56,400	$6,820	$49,580	$3,757,033
20	230	$56,400	$6,731	$49,669	$3,707,364
20	231	$56,400	$6,642	$49,758	$3,657,606
20	232	$56,400	$6,553	$49,847	$3,607,759
20	233	$56,400	$6,464	$49,936	$3,557,822
20	234	$56,400	$6,374	$50,026	$3,507,797
20	235	$56,400	$6,285	$50,115	$3,457,681
20	236	$56,400	$6,195	$50,205	$3,407,476
20	237	$56,400	$6,105	$50,295	$3,357,181
20	238	$56,400	$6,015	$50,385	$3,306,795
20	239	$56,400	$5,925	$50,476	$3,256,320
20	240	$56,400	$5,834	$50,566	$3,205,754
21	241	$56,400	$5,744	$50,657	$3,155,097
21	242	$56,400	$5,653	$50,747	$3,104,349
21	243	$56,400	$5,562	$50,838	$3,053,511
21	244	$56,400	$5,471	$50,929	$3,002,582
21	245	$56,400	$5,380	$51,021	$2,951,561
21	246	$56,400	$5,288	$51,112	$2,900,449
21	247	$56,400	$5,197	$51,204	$2,849,245
21	248	$56,400	$5,105	$51,295	$2,797,950
21	249	$56,400	$5,013	$51,387	$2,746,563
21	250	$56,400	$4,921	$51,479	$2,695,083
21	251	$56,400	$4,829	$51,572	$2,643,512
21	252	$56,400	$4,736	$51,664	$2,591,848
22	253	$56,400	$4,644	$51,757	$2,540,091
22	254	$56,400	$4,551	$51,849	$2,488,242
22	255	$56,400	$4,458	$51,942	$2,436,300
22	256	$56,400	$4,365	$52,035	$2,384,264
22	257	$56,400	$4,272	$52,128	$2,332,136
22	258	$56,400	$4,178	$52,222	$2,279,914
22	259	$56,400	$4,085	$52,315	$2,227,599
22	260	$56,400	$3,991	$52,409	$2,175,189
22	261	$56,400	$3,897	$52,503	$2,122,686
22	262	$56,400	$3,803	$52,597	$2,070,089
22	263	$56,400	$3,709	$52,691	$2,017,398
22	264	$56,400	$3,615	$52,786	$1,964,612
23	265	$56,400	$3,520	$52,880	$1,911,732
23	266	$56,400	$3,425	$52,975	$1,858,756
23	267	$56,400	$3,330	$53,070	$1,805,686
23	268	$56,400	$3,235	$53,165	$1,752,521
23	269	$56,400	$3,140	$53,260	$1,699,261
23	270	$56,400	$3,045	$53,356	$1,645,905
23	271	$56,400	$2,949	$53,451	$1,592,454
23	272	$56,400	$2,853	$53,547	$1,538,907
23	273	$56,400	$2,757	$53,643	$1,485,264
23	274	$56,400	$2,661	$53,739	$1,431,524
23	275	$56,400	$2,565	$53,835	$1,377,689
23	276	$56,400	$2,468	$53,932	$1,323,757
24	277	$56,400	$2,372	$54,029	$1,269,728
24	278	$56,400	$2,275	$54,125	$1,215,603
24	279	$56,400	$2,178	$54,222	$1,161,381
24	280	$56,400	$2,081	$54,319	$1,107,061
24	281	$56,400	$1,983	$54,417	$1,052,644
24	282	$56,400	$1,886	$54,514	$998,130
24	283	$56,400	$1,788	$54,612	$943,518
24	284	$56,400	$1,690	$54,710	$888,808
24	285	$56,400	$1,592	$54,808	$834,000
24	286	$56,400	$1,494	$54,906	$779,094
24	287	$56,400	$1,396	$55,004	$724,090
24	288	$56,400	$1,297	$55,103	$668,987
25	289	$56,400	$1,199	$55,202	$613,785
25	290	$56,400	$1,100	$55,301	$558,485
25	291	$56,400	$1,001	$55,400	$503,085
25	292	$56,400	$901	$55,499	$447,586
25	293	$56,400	$802	$55,598	$391,988
25	294	$56,400	$702	$55,698	$336,290
25	295	$56,400	$603	$55,798	$280,492
25	296	$56,400	$503	$55,898	$224,594
25	297	$56,400	$402	$55,998	$168,596
25	298	$56,400	$302	$56,098	$112,498
25	299	$56,400	$202	$56,199	$56,299
25	300	$56,400	$101	$56,299	$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$ 8,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 8,938,000

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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.