Century 21 Centaland Property

Down Payment (HKD)

$6,360,000

Monthly Repayment (HKD)

$41,136

Loan Amount (HKD)

$9,540,000

Total Interest (HKD)

$2,800,798

Total Repayment (HKD)

$12,340,798

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$41,136	$17,093	$24,043	$9,515,957
1	2	$41,136	$17,049	$24,087	$9,491,870
1	3	$41,136	$17,006	$24,130	$9,467,740
1	4	$41,136	$16,963	$24,173	$9,443,567
1	5	$41,136	$16,920	$24,216	$9,419,351
1	6	$41,136	$16,876	$24,260	$9,395,091
1	7	$41,136	$16,833	$24,303	$9,370,788
1	8	$41,136	$16,789	$24,347	$9,346,442
1	9	$41,136	$16,746	$24,390	$9,322,051
1	10	$41,136	$16,702	$24,434	$9,297,617
1	11	$41,136	$16,658	$24,478	$9,273,139
1	12	$41,136	$16,614	$24,522	$9,248,618
2	13	$41,136	$16,570	$24,566	$9,224,052
2	14	$41,136	$16,526	$24,610	$9,199,443
2	15	$41,136	$16,482	$24,654	$9,174,789
2	16	$41,136	$16,438	$24,698	$9,150,091
2	17	$41,136	$16,394	$24,742	$9,125,349
2	18	$41,136	$16,350	$24,786	$9,100,563
2	19	$41,136	$16,305	$24,831	$9,075,732
2	20	$41,136	$16,261	$24,875	$9,050,857
2	21	$41,136	$16,216	$24,920	$9,025,937
2	22	$41,136	$16,171	$24,965	$9,000,972
2	23	$41,136	$16,127	$25,009	$8,975,963
2	24	$41,136	$16,082	$25,054	$8,950,909
3	25	$41,136	$16,037	$25,099	$8,925,810
3	26	$41,136	$15,992	$25,144	$8,900,666
3	27	$41,136	$15,947	$25,189	$8,875,477
3	28	$41,136	$15,902	$25,234	$8,850,243
3	29	$41,136	$15,857	$25,279	$8,824,964
3	30	$41,136	$15,811	$25,325	$8,799,639
3	31	$41,136	$15,766	$25,370	$8,774,269
3	32	$41,136	$15,721	$25,415	$8,748,854
3	33	$41,136	$15,675	$25,461	$8,723,393
3	34	$41,136	$15,629	$25,507	$8,697,886
3	35	$41,136	$15,584	$25,552	$8,672,334
3	36	$41,136	$15,538	$25,598	$8,646,736
4	37	$41,136	$15,492	$25,644	$8,621,092
4	38	$41,136	$15,446	$25,690	$8,595,402
4	39	$41,136	$15,400	$25,736	$8,569,666
4	40	$41,136	$15,354	$25,782	$8,543,884
4	41	$41,136	$15,308	$25,828	$8,518,056
4	42	$41,136	$15,262	$25,874	$8,492,181
4	43	$41,136	$15,215	$25,921	$8,466,261
4	44	$41,136	$15,169	$25,967	$8,440,293
4	45	$41,136	$15,122	$26,014	$8,414,280
4	46	$41,136	$15,076	$26,060	$8,388,219
4	47	$41,136	$15,029	$26,107	$8,362,112
4	48	$41,136	$14,982	$26,154	$8,335,958
5	49	$41,136	$14,935	$26,201	$8,309,757
5	50	$41,136	$14,888	$26,248	$8,283,510
5	51	$41,136	$14,841	$26,295	$8,257,215
5	52	$41,136	$14,794	$26,342	$8,230,873
5	53	$41,136	$14,747	$26,389	$8,204,484
5	54	$41,136	$14,700	$26,436	$8,178,048
5	55	$41,136	$14,652	$26,484	$8,151,564
5	56	$41,136	$14,605	$26,531	$8,125,033
5	57	$41,136	$14,557	$26,579	$8,098,454
5	58	$41,136	$14,510	$26,626	$8,071,828
5	59	$41,136	$14,462	$26,674	$8,045,154
5	60	$41,136	$14,414	$26,722	$8,018,432
6	61	$41,136	$14,366	$26,770	$7,991,663
6	62	$41,136	$14,318	$26,818	$7,964,845
6	63	$41,136	$14,270	$26,866	$7,937,980
6	64	$41,136	$14,222	$26,914	$7,911,066
6	65	$41,136	$14,174	$26,962	$7,884,104
6	66	$41,136	$14,126	$27,010	$7,857,094
6	67	$41,136	$14,077	$27,059	$7,830,035
6	68	$41,136	$14,029	$27,107	$7,802,928
6	69	$41,136	$13,980	$27,156	$7,775,772
6	70	$41,136	$13,932	$27,204	$7,748,567
6	71	$41,136	$13,883	$27,253	$7,721,314
6	72	$41,136	$13,834	$27,302	$7,694,012
7	73	$41,136	$13,785	$27,351	$7,666,661
7	74	$41,136	$13,736	$27,400	$7,639,262
7	75	$41,136	$13,687	$27,449	$7,611,813
7	76	$41,136	$13,638	$27,498	$7,584,314
7	77	$41,136	$13,589	$27,547	$7,556,767
7	78	$41,136	$13,539	$27,597	$7,529,170
7	79	$41,136	$13,490	$27,646	$7,501,524
7	80	$41,136	$13,440	$27,696	$7,473,828
7	81	$41,136	$13,391	$27,745	$7,446,083
7	82	$41,136	$13,341	$27,795	$7,418,288
7	83	$41,136	$13,291	$27,845	$7,390,443
7	84	$41,136	$13,241	$27,895	$7,362,548
8	85	$41,136	$13,191	$27,945	$7,334,603
8	86	$41,136	$13,141	$27,995	$7,306,608
8	87	$41,136	$13,091	$28,045	$7,278,563
8	88	$41,136	$13,041	$28,095	$7,250,468
8	89	$41,136	$12,990	$28,146	$7,222,323
8	90	$41,136	$12,940	$28,196	$7,194,127
8	91	$41,136	$12,889	$28,247	$7,165,880
8	92	$41,136	$12,839	$28,297	$7,137,583
8	93	$41,136	$12,788	$28,348	$7,109,235
8	94	$41,136	$12,737	$28,399	$7,080,837
8	95	$41,136	$12,686	$28,449	$7,052,387
8	96	$41,136	$12,636	$28,500	$7,023,887
9	97	$41,136	$12,584	$28,552	$6,995,335
9	98	$41,136	$12,533	$28,603	$6,966,732
9	99	$41,136	$12,482	$28,654	$6,938,078
9	100	$41,136	$12,431	$28,705	$6,909,373
9	101	$41,136	$12,379	$28,757	$6,880,617
9	102	$41,136	$12,328	$28,808	$6,851,808
9	103	$41,136	$12,276	$28,860	$6,822,948
9	104	$41,136	$12,224	$28,912	$6,794,037
9	105	$41,136	$12,173	$28,963	$6,765,074
9	106	$41,136	$12,121	$29,015	$6,736,058
9	107	$41,136	$12,069	$29,067	$6,706,991
9	108	$41,136	$12,017	$29,119	$6,677,872
10	109	$41,136	$11,965	$29,171	$6,648,700
10	110	$41,136	$11,912	$29,224	$6,619,477
10	111	$41,136	$11,860	$29,276	$6,590,200
10	112	$41,136	$11,807	$29,329	$6,560,872
10	113	$41,136	$11,755	$29,381	$6,531,491
10	114	$41,136	$11,702	$29,434	$6,502,057
10	115	$41,136	$11,650	$29,486	$6,472,571
10	116	$41,136	$11,597	$29,539	$6,443,031
10	117	$41,136	$11,544	$29,592	$6,413,439
10	118	$41,136	$11,491	$29,645	$6,383,794
10	119	$41,136	$11,438	$29,698	$6,354,095
10	120	$41,136	$11,384	$29,752	$6,324,344
11	121	$41,136	$11,331	$29,805	$6,294,539
11	122	$41,136	$11,278	$29,858	$6,264,681
11	123	$41,136	$11,224	$29,912	$6,234,769
11	124	$41,136	$11,171	$29,965	$6,204,804
11	125	$41,136	$11,117	$30,019	$6,174,785
11	126	$41,136	$11,063	$30,073	$6,144,712
11	127	$41,136	$11,009	$30,127	$6,114,585
11	128	$41,136	$10,955	$30,181	$6,084,404
11	129	$41,136	$10,901	$30,235	$6,054,170
11	130	$41,136	$10,847	$30,289	$6,023,881
11	131	$41,136	$10,793	$30,343	$5,993,537
11	132	$41,136	$10,738	$30,398	$5,963,140
12	133	$41,136	$10,684	$30,452	$5,932,688
12	134	$41,136	$10,629	$30,507	$5,902,181
12	135	$41,136	$10,575	$30,561	$5,871,620
12	136	$41,136	$10,520	$30,616	$5,841,004
12	137	$41,136	$10,465	$30,671	$5,810,333
12	138	$41,136	$10,410	$30,726	$5,779,607
12	139	$41,136	$10,355	$30,781	$5,748,826
12	140	$41,136	$10,300	$30,836	$5,717,990
12	141	$41,136	$10,245	$30,891	$5,687,099
12	142	$41,136	$10,189	$30,947	$5,656,152
12	143	$41,136	$10,134	$31,002	$5,625,150
12	144	$41,136	$10,078	$31,058	$5,594,093
13	145	$41,136	$10,023	$31,113	$5,562,980
13	146	$41,136	$9,967	$31,169	$5,531,811
13	147	$41,136	$9,911	$31,225	$5,500,586
13	148	$41,136	$9,855	$31,281	$5,469,305
13	149	$41,136	$9,799	$31,337	$5,437,968
13	150	$41,136	$9,743	$31,393	$5,406,575
13	151	$41,136	$9,687	$31,449	$5,375,126
13	152	$41,136	$9,630	$31,506	$5,343,620
13	153	$41,136	$9,574	$31,562	$5,312,058
13	154	$41,136	$9,517	$31,619	$5,280,440
13	155	$41,136	$9,461	$31,675	$5,248,765
13	156	$41,136	$9,404	$31,732	$5,217,033
14	157	$41,136	$9,347	$31,789	$5,185,244
14	158	$41,136	$9,290	$31,846	$5,153,398
14	159	$41,136	$9,233	$31,903	$5,121,495
14	160	$41,136	$9,176	$31,960	$5,089,535
14	161	$41,136	$9,119	$32,017	$5,057,518
14	162	$41,136	$9,061	$32,075	$5,025,443
14	163	$41,136	$9,004	$32,132	$4,993,311
14	164	$41,136	$8,946	$32,190	$4,961,122
14	165	$41,136	$8,889	$32,247	$4,928,874
14	166	$41,136	$8,831	$32,305	$4,896,569
14	167	$41,136	$8,773	$32,363	$4,864,206
14	168	$41,136	$8,715	$32,421	$4,831,785
15	169	$41,136	$8,657	$32,479	$4,799,306
15	170	$41,136	$8,599	$32,537	$4,766,769
15	171	$41,136	$8,540	$32,596	$4,734,174
15	172	$41,136	$8,482	$32,654	$4,701,520
15	173	$41,136	$8,424	$32,712	$4,668,807
15	174	$41,136	$8,365	$32,771	$4,636,036
15	175	$41,136	$8,306	$32,830	$4,603,206
15	176	$41,136	$8,247	$32,889	$4,570,318
15	177	$41,136	$8,188	$32,948	$4,537,370
15	178	$41,136	$8,129	$33,007	$4,504,364
15	179	$41,136	$8,070	$33,066	$4,471,298
15	180	$41,136	$8,011	$33,125	$4,438,173
16	181	$41,136	$7,952	$33,184	$4,404,989
16	182	$41,136	$7,892	$33,244	$4,371,745
16	183	$41,136	$7,833	$33,303	$4,338,442
16	184	$41,136	$7,773	$33,363	$4,305,079
16	185	$41,136	$7,713	$33,423	$4,271,656
16	186	$41,136	$7,653	$33,483	$4,238,174
16	187	$41,136	$7,593	$33,543	$4,204,631
16	188	$41,136	$7,533	$33,603	$4,171,028
16	189	$41,136	$7,473	$33,663	$4,137,365
16	190	$41,136	$7,413	$33,723	$4,103,642
16	191	$41,136	$7,352	$33,784	$4,069,859
16	192	$41,136	$7,292	$33,844	$4,036,014
17	193	$41,136	$7,231	$33,905	$4,002,110
17	194	$41,136	$7,170	$33,966	$3,968,144
17	195	$41,136	$7,110	$34,026	$3,934,118
17	196	$41,136	$7,049	$34,087	$3,900,030
17	197	$41,136	$6,988	$34,148	$3,865,882
17	198	$41,136	$6,926	$34,210	$3,831,672
17	199	$41,136	$6,865	$34,271	$3,797,401
17	200	$41,136	$6,804	$34,332	$3,763,069
17	201	$41,136	$6,742	$34,394	$3,728,675
17	202	$41,136	$6,681	$34,455	$3,694,220
17	203	$41,136	$6,619	$34,517	$3,659,703
17	204	$41,136	$6,557	$34,579	$3,625,124
18	205	$41,136	$6,495	$34,641	$3,590,483
18	206	$41,136	$6,433	$34,703	$3,555,779
18	207	$41,136	$6,371	$34,765	$3,521,014
18	208	$41,136	$6,308	$34,828	$3,486,187
18	209	$41,136	$6,246	$34,890	$3,451,297
18	210	$41,136	$6,184	$34,952	$3,416,344
18	211	$41,136	$6,121	$35,015	$3,381,329
18	212	$41,136	$6,058	$35,078	$3,346,252
18	213	$41,136	$5,995	$35,141	$3,311,111
18	214	$41,136	$5,932	$35,204	$3,275,907
18	215	$41,136	$5,869	$35,267	$3,240,641
18	216	$41,136	$5,806	$35,330	$3,205,311
19	217	$41,136	$5,743	$35,393	$3,169,918
19	218	$41,136	$5,679	$35,457	$3,134,461
19	219	$41,136	$5,616	$35,520	$3,098,941
19	220	$41,136	$5,552	$35,584	$3,063,357
19	221	$41,136	$5,489	$35,647	$3,027,710
19	222	$41,136	$5,425	$35,711	$2,991,999
19	223	$41,136	$5,361	$35,775	$2,956,223
19	224	$41,136	$5,297	$35,839	$2,920,384
19	225	$41,136	$5,232	$35,904	$2,884,480
19	226	$41,136	$5,168	$35,968	$2,848,512
19	227	$41,136	$5,104	$36,032	$2,812,480
19	228	$41,136	$5,039	$36,097	$2,776,383
20	229	$41,136	$4,974	$36,162	$2,740,221
20	230	$41,136	$4,910	$36,226	$2,703,995
20	231	$41,136	$4,845	$36,291	$2,667,703
20	232	$41,136	$4,780	$36,356	$2,631,347
20	233	$41,136	$4,714	$36,421	$2,594,926
20	234	$41,136	$4,649	$36,487	$2,558,439
20	235	$41,136	$4,584	$36,552	$2,521,887
20	236	$41,136	$4,518	$36,618	$2,485,269
20	237	$41,136	$4,453	$36,683	$2,448,586
20	238	$41,136	$4,387	$36,749	$2,411,837
20	239	$41,136	$4,321	$36,815	$2,375,022
20	240	$41,136	$4,255	$36,881	$2,338,141
21	241	$41,136	$4,189	$36,947	$2,301,195
21	242	$41,136	$4,123	$37,013	$2,264,182
21	243	$41,136	$4,057	$37,079	$2,227,102
21	244	$41,136	$3,990	$37,146	$2,189,956
21	245	$41,136	$3,924	$37,212	$2,152,744
21	246	$41,136	$3,857	$37,279	$2,115,465
21	247	$41,136	$3,790	$37,346	$2,078,119
21	248	$41,136	$3,723	$37,413	$2,040,707
21	249	$41,136	$3,656	$37,480	$2,003,227
21	250	$41,136	$3,589	$37,547	$1,965,680
21	251	$41,136	$3,522	$37,614	$1,928,066
21	252	$41,136	$3,454	$37,682	$1,890,384
22	253	$41,136	$3,387	$37,749	$1,852,635
22	254	$41,136	$3,319	$37,817	$1,814,819
22	255	$41,136	$3,252	$37,884	$1,776,934
22	256	$41,136	$3,184	$37,952	$1,738,982
22	257	$41,136	$3,116	$38,020	$1,700,961
22	258	$41,136	$3,048	$38,088	$1,662,873
22	259	$41,136	$2,979	$38,157	$1,624,716
22	260	$41,136	$2,911	$38,225	$1,586,491
22	261	$41,136	$2,842	$38,294	$1,548,198
22	262	$41,136	$2,774	$38,362	$1,509,836
22	263	$41,136	$2,705	$38,431	$1,471,405
22	264	$41,136	$2,636	$38,500	$1,432,905
23	265	$41,136	$2,567	$38,569	$1,394,336
23	266	$41,136	$2,498	$38,638	$1,355,699
23	267	$41,136	$2,429	$38,707	$1,316,991
23	268	$41,136	$2,360	$38,776	$1,278,215
23	269	$41,136	$2,290	$38,846	$1,239,369
23	270	$41,136	$2,221	$38,915	$1,200,454
23	271	$41,136	$2,151	$38,985	$1,161,469
23	272	$41,136	$2,081	$39,055	$1,122,414
23	273	$41,136	$2,011	$39,125	$1,083,289
23	274	$41,136	$1,941	$39,195	$1,044,093
23	275	$41,136	$1,871	$39,265	$1,004,828
23	276	$41,136	$1,800	$39,336	$965,492
24	277	$41,136	$1,730	$39,406	$926,086
24	278	$41,136	$1,659	$39,477	$886,610
24	279	$41,136	$1,589	$39,547	$847,062
24	280	$41,136	$1,518	$39,618	$807,444
24	281	$41,136	$1,447	$39,689	$767,754
24	282	$41,136	$1,376	$39,760	$727,994
24	283	$41,136	$1,304	$39,832	$688,162
24	284	$41,136	$1,233	$39,903	$648,259
24	285	$41,136	$1,161	$39,975	$608,285
24	286	$41,136	$1,090	$40,046	$568,239
24	287	$41,136	$1,018	$40,118	$528,121
24	288	$41,136	$946	$40,190	$487,931
25	289	$41,136	$874	$40,262	$447,669
25	290	$41,136	$802	$40,334	$407,335
25	291	$41,136	$730	$40,406	$366,929
25	292	$41,136	$657	$40,479	$326,450
25	293	$41,136	$585	$40,551	$285,899
25	294	$41,136	$512	$40,624	$245,276
25	295	$41,136	$439	$40,697	$204,579
25	296	$41,136	$367	$40,769	$163,810
25	297	$41,136	$293	$40,843	$122,967
25	298	$41,136	$220	$40,916	$82,051
25	299	$41,136	$147	$40,989	$41,062
25	300	$41,136	$74	$41,062	$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$ 6,360,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,519,000

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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.