Century 21 Centaland Property

Down Payment (HKD)

$6,280,000

Monthly Repayment (HKD)

$40,619

Loan Amount (HKD)

$9,420,000

Total Interest (HKD)

$2,765,568

Total Repayment (HKD)

$12,185,568

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$40,619	$16,878	$23,741	$9,396,259
1	2	$40,619	$16,835	$23,784	$9,372,475
1	3	$40,619	$16,792	$23,826	$9,348,649
1	4	$40,619	$16,750	$23,869	$9,324,780
1	5	$40,619	$16,707	$23,912	$9,300,869
1	6	$40,619	$16,664	$23,955	$9,276,914
1	7	$40,619	$16,621	$23,997	$9,252,917
1	8	$40,619	$16,578	$24,040	$9,228,876
1	9	$40,619	$16,535	$24,083	$9,204,793
1	10	$40,619	$16,492	$24,127	$9,180,666
1	11	$40,619	$16,449	$24,170	$9,156,496
1	12	$40,619	$16,405	$24,213	$9,132,283
2	13	$40,619	$16,362	$24,257	$9,108,027
2	14	$40,619	$16,319	$24,300	$9,083,726
2	15	$40,619	$16,275	$24,344	$9,059,383
2	16	$40,619	$16,231	$24,387	$9,034,996
2	17	$40,619	$16,188	$24,431	$9,010,565
2	18	$40,619	$16,144	$24,475	$8,986,090
2	19	$40,619	$16,100	$24,518	$8,961,572
2	20	$40,619	$16,056	$24,562	$8,937,009
2	21	$40,619	$16,012	$24,606	$8,912,403
2	22	$40,619	$15,968	$24,651	$8,887,752
2	23	$40,619	$15,924	$24,695	$8,863,058
2	24	$40,619	$15,880	$24,739	$8,838,319
3	25	$40,619	$15,835	$24,783	$8,813,536
3	26	$40,619	$15,791	$24,828	$8,788,708
3	27	$40,619	$15,746	$24,872	$8,763,836
3	28	$40,619	$15,702	$24,917	$8,738,919
3	29	$40,619	$15,657	$24,961	$8,713,958
3	30	$40,619	$15,613	$25,006	$8,688,952
3	31	$40,619	$15,568	$25,051	$8,663,901
3	32	$40,619	$15,523	$25,096	$8,638,805
3	33	$40,619	$15,478	$25,141	$8,613,665
3	34	$40,619	$15,433	$25,186	$8,588,479
3	35	$40,619	$15,388	$25,231	$8,563,248
3	36	$40,619	$15,342	$25,276	$8,537,972
4	37	$40,619	$15,297	$25,321	$8,512,650
4	38	$40,619	$15,252	$25,367	$8,487,284
4	39	$40,619	$15,206	$25,412	$8,461,872
4	40	$40,619	$15,161	$25,458	$8,436,414
4	41	$40,619	$15,115	$25,503	$8,410,911
4	42	$40,619	$15,070	$25,549	$8,385,362
4	43	$40,619	$15,024	$25,595	$8,359,767
4	44	$40,619	$14,978	$25,641	$8,334,126
4	45	$40,619	$14,932	$25,687	$8,308,440
4	46	$40,619	$14,886	$25,733	$8,282,707
4	47	$40,619	$14,840	$25,779	$8,256,928
4	48	$40,619	$14,794	$25,825	$8,231,103
5	49	$40,619	$14,747	$25,871	$8,205,232
5	50	$40,619	$14,701	$25,918	$8,179,315
5	51	$40,619	$14,655	$25,964	$8,153,351
5	52	$40,619	$14,608	$26,010	$8,127,340
5	53	$40,619	$14,561	$26,057	$8,101,283
5	54	$40,619	$14,515	$26,104	$8,075,179
5	55	$40,619	$14,468	$26,151	$8,049,029
5	56	$40,619	$14,421	$26,197	$8,022,831
5	57	$40,619	$14,374	$26,244	$7,996,587
5	58	$40,619	$14,327	$26,291	$7,970,296
5	59	$40,619	$14,280	$26,338	$7,943,957
5	60	$40,619	$14,233	$26,386	$7,917,572
6	61	$40,619	$14,186	$26,433	$7,891,139
6	62	$40,619	$14,138	$26,480	$7,864,659
6	63	$40,619	$14,091	$26,528	$7,838,131
6	64	$40,619	$14,043	$26,575	$7,811,556
6	65	$40,619	$13,996	$26,623	$7,784,933
6	66	$40,619	$13,948	$26,671	$7,758,262
6	67	$40,619	$13,900	$26,718	$7,731,544
6	68	$40,619	$13,852	$26,766	$7,704,778
6	69	$40,619	$13,804	$26,814	$7,677,963
6	70	$40,619	$13,756	$26,862	$7,651,101
6	71	$40,619	$13,708	$26,910	$7,624,191
6	72	$40,619	$13,660	$26,959	$7,597,232
7	73	$40,619	$13,612	$27,007	$7,570,225
7	74	$40,619	$13,563	$27,055	$7,543,170
7	75	$40,619	$13,515	$27,104	$7,516,067
7	76	$40,619	$13,466	$27,152	$7,488,914
7	77	$40,619	$13,418	$27,201	$7,461,713
7	78	$40,619	$13,369	$27,250	$7,434,464
7	79	$40,619	$13,320	$27,298	$7,407,165
7	80	$40,619	$13,271	$27,347	$7,379,818
7	81	$40,619	$13,222	$27,396	$7,352,421
7	82	$40,619	$13,173	$27,445	$7,324,976
7	83	$40,619	$13,124	$27,495	$7,297,481
7	84	$40,619	$13,075	$27,544	$7,269,937
8	85	$40,619	$13,025	$27,593	$7,242,344
8	86	$40,619	$12,976	$27,643	$7,214,701
8	87	$40,619	$12,926	$27,692	$7,187,009
8	88	$40,619	$12,877	$27,742	$7,159,267
8	89	$40,619	$12,827	$27,792	$7,131,476
8	90	$40,619	$12,777	$27,841	$7,103,635
8	91	$40,619	$12,727	$27,891	$7,075,743
8	92	$40,619	$12,677	$27,941	$7,047,802
8	93	$40,619	$12,627	$27,991	$7,019,811
8	94	$40,619	$12,577	$28,041	$6,991,769
8	95	$40,619	$12,527	$28,092	$6,963,678
8	96	$40,619	$12,477	$28,142	$6,935,536
9	97	$40,619	$12,426	$28,192	$6,907,343
9	98	$40,619	$12,376	$28,243	$6,879,101
9	99	$40,619	$12,325	$28,294	$6,850,807
9	100	$40,619	$12,274	$28,344	$6,822,463
9	101	$40,619	$12,224	$28,395	$6,794,068
9	102	$40,619	$12,173	$28,446	$6,765,622
9	103	$40,619	$12,122	$28,497	$6,737,125
9	104	$40,619	$12,071	$28,548	$6,708,577
9	105	$40,619	$12,020	$28,599	$6,679,978
9	106	$40,619	$11,968	$28,650	$6,651,328
9	107	$40,619	$11,917	$28,702	$6,622,626
9	108	$40,619	$11,866	$28,753	$6,593,873
10	109	$40,619	$11,814	$28,805	$6,565,069
10	110	$40,619	$11,762	$28,856	$6,536,213
10	111	$40,619	$11,711	$28,908	$6,507,305
10	112	$40,619	$11,659	$28,960	$6,478,345
10	113	$40,619	$11,607	$29,012	$6,449,334
10	114	$40,619	$11,555	$29,064	$6,420,270
10	115	$40,619	$11,503	$29,116	$6,391,155
10	116	$40,619	$11,451	$29,168	$6,361,987
10	117	$40,619	$11,399	$29,220	$6,332,767
10	118	$40,619	$11,346	$29,272	$6,303,495
10	119	$40,619	$11,294	$29,325	$6,274,170
10	120	$40,619	$11,241	$29,377	$6,244,792
11	121	$40,619	$11,189	$29,430	$6,215,362
11	122	$40,619	$11,136	$29,483	$6,185,880
11	123	$40,619	$11,083	$29,536	$6,156,344
11	124	$40,619	$11,030	$29,588	$6,126,756
11	125	$40,619	$10,977	$29,641	$6,097,114
11	126	$40,619	$10,924	$29,695	$6,067,420
11	127	$40,619	$10,871	$29,748	$6,037,672
11	128	$40,619	$10,817	$29,801	$6,007,871
11	129	$40,619	$10,764	$29,854	$5,978,016
11	130	$40,619	$10,711	$29,908	$5,948,109
11	131	$40,619	$10,657	$29,962	$5,918,147
11	132	$40,619	$10,603	$30,015	$5,888,132
12	133	$40,619	$10,550	$30,069	$5,858,063
12	134	$40,619	$10,496	$30,123	$5,827,940
12	135	$40,619	$10,442	$30,177	$5,797,763
12	136	$40,619	$10,388	$30,231	$5,767,532
12	137	$40,619	$10,333	$30,285	$5,737,247
12	138	$40,619	$10,279	$30,339	$5,706,908
12	139	$40,619	$10,225	$30,394	$5,676,514
12	140	$40,619	$10,170	$30,448	$5,646,066
12	141	$40,619	$10,116	$30,503	$5,615,563
12	142	$40,619	$10,061	$30,557	$5,585,006
12	143	$40,619	$10,006	$30,612	$5,554,394
12	144	$40,619	$9,952	$30,667	$5,523,727
13	145	$40,619	$9,897	$30,722	$5,493,005
13	146	$40,619	$9,842	$30,777	$5,462,228
13	147	$40,619	$9,786	$30,832	$5,431,396
13	148	$40,619	$9,731	$30,887	$5,400,509
13	149	$40,619	$9,676	$30,943	$5,369,566
13	150	$40,619	$9,620	$30,998	$5,338,568
13	151	$40,619	$9,565	$31,054	$5,307,514
13	152	$40,619	$9,509	$31,109	$5,276,405
13	153	$40,619	$9,454	$31,165	$5,245,240
13	154	$40,619	$9,398	$31,221	$5,214,019
13	155	$40,619	$9,342	$31,277	$5,182,742
13	156	$40,619	$9,286	$31,333	$5,151,410
14	157	$40,619	$9,230	$31,389	$5,120,021
14	158	$40,619	$9,173	$31,445	$5,088,576
14	159	$40,619	$9,117	$31,502	$5,057,074
14	160	$40,619	$9,061	$31,558	$5,025,516
14	161	$40,619	$9,004	$31,615	$4,993,902
14	162	$40,619	$8,947	$31,671	$4,962,230
14	163	$40,619	$8,891	$31,728	$4,930,502
14	164	$40,619	$8,834	$31,785	$4,898,718
14	165	$40,619	$8,777	$31,842	$4,866,876
14	166	$40,619	$8,720	$31,899	$4,834,977
14	167	$40,619	$8,663	$31,956	$4,803,021
14	168	$40,619	$8,605	$32,013	$4,771,008
15	169	$40,619	$8,548	$32,071	$4,738,938
15	170	$40,619	$8,491	$32,128	$4,706,810
15	171	$40,619	$8,433	$32,186	$4,674,624
15	172	$40,619	$8,375	$32,243	$4,642,381
15	173	$40,619	$8,318	$32,301	$4,610,080
15	174	$40,619	$8,260	$32,359	$4,577,721
15	175	$40,619	$8,202	$32,417	$4,545,304
15	176	$40,619	$8,144	$32,475	$4,512,830
15	177	$40,619	$8,085	$32,533	$4,480,296
15	178	$40,619	$8,027	$32,591	$4,447,705
15	179	$40,619	$7,969	$32,650	$4,415,055
15	180	$40,619	$7,910	$32,708	$4,382,347
16	181	$40,619	$7,852	$32,767	$4,349,580
16	182	$40,619	$7,793	$32,826	$4,316,755
16	183	$40,619	$7,734	$32,884	$4,283,870
16	184	$40,619	$7,675	$32,943	$4,250,927
16	185	$40,619	$7,616	$33,002	$4,217,925
16	186	$40,619	$7,557	$33,061	$4,184,863
16	187	$40,619	$7,498	$33,121	$4,151,743
16	188	$40,619	$7,439	$33,180	$4,118,563
16	189	$40,619	$7,379	$33,239	$4,085,323
16	190	$40,619	$7,320	$33,299	$4,052,024
16	191	$40,619	$7,260	$33,359	$4,018,665
16	192	$40,619	$7,200	$33,418	$3,985,247
17	193	$40,619	$7,140	$33,478	$3,951,769
17	194	$40,619	$7,080	$33,538	$3,918,230
17	195	$40,619	$7,020	$33,598	$3,884,632
17	196	$40,619	$6,960	$33,659	$3,850,973
17	197	$40,619	$6,900	$33,719	$3,817,254
17	198	$40,619	$6,839	$33,779	$3,783,475
17	199	$40,619	$6,779	$33,840	$3,749,635
17	200	$40,619	$6,718	$33,900	$3,715,735
17	201	$40,619	$6,657	$33,961	$3,681,774
17	202	$40,619	$6,597	$34,022	$3,647,752
17	203	$40,619	$6,536	$34,083	$3,613,669
17	204	$40,619	$6,474	$34,144	$3,579,524
18	205	$40,619	$6,413	$34,205	$3,545,319
18	206	$40,619	$6,352	$34,267	$3,511,053
18	207	$40,619	$6,291	$34,328	$3,476,725
18	208	$40,619	$6,229	$34,389	$3,442,335
18	209	$40,619	$6,168	$34,451	$3,407,884
18	210	$40,619	$6,106	$34,513	$3,373,372
18	211	$40,619	$6,044	$34,575	$3,338,797
18	212	$40,619	$5,982	$34,637	$3,304,160
18	213	$40,619	$5,920	$34,699	$3,269,462
18	214	$40,619	$5,858	$34,761	$3,234,701
18	215	$40,619	$5,796	$34,823	$3,199,878
18	216	$40,619	$5,733	$34,885	$3,164,993
19	217	$40,619	$5,671	$34,948	$3,130,045
19	218	$40,619	$5,608	$35,011	$3,095,034
19	219	$40,619	$5,545	$35,073	$3,059,961
19	220	$40,619	$5,482	$35,136	$3,024,825
19	221	$40,619	$5,419	$35,199	$2,989,625
19	222	$40,619	$5,356	$35,262	$2,954,363
19	223	$40,619	$5,293	$35,325	$2,919,038
19	224	$40,619	$5,230	$35,389	$2,883,649
19	225	$40,619	$5,167	$35,452	$2,848,197
19	226	$40,619	$5,103	$35,516	$2,812,682
19	227	$40,619	$5,039	$35,579	$2,777,103
19	228	$40,619	$4,976	$35,643	$2,741,460
20	229	$40,619	$4,912	$35,707	$2,705,753
20	230	$40,619	$4,848	$35,771	$2,669,982
20	231	$40,619	$4,784	$35,835	$2,634,147
20	232	$40,619	$4,720	$35,899	$2,598,248
20	233	$40,619	$4,655	$35,963	$2,562,285
20	234	$40,619	$4,591	$36,028	$2,526,257
20	235	$40,619	$4,526	$36,092	$2,490,165
20	236	$40,619	$4,462	$36,157	$2,454,008
20	237	$40,619	$4,397	$36,222	$2,417,786
20	238	$40,619	$4,332	$36,287	$2,381,499
20	239	$40,619	$4,267	$36,352	$2,345,148
20	240	$40,619	$4,202	$36,417	$2,308,731
21	241	$40,619	$4,136	$36,482	$2,272,249
21	242	$40,619	$4,071	$36,547	$2,235,701
21	243	$40,619	$4,006	$36,613	$2,199,088
21	244	$40,619	$3,940	$36,679	$2,162,410
21	245	$40,619	$3,874	$36,744	$2,125,666
21	246	$40,619	$3,808	$36,810	$2,088,855
21	247	$40,619	$3,743	$36,876	$2,051,979
21	248	$40,619	$3,676	$36,942	$2,015,037
21	249	$40,619	$3,610	$37,008	$1,978,029
21	250	$40,619	$3,544	$37,075	$1,940,954
21	251	$40,619	$3,478	$37,141	$1,903,813
21	252	$40,619	$3,411	$37,208	$1,866,606
22	253	$40,619	$3,344	$37,274	$1,829,332
22	254	$40,619	$3,278	$37,341	$1,791,991
22	255	$40,619	$3,211	$37,408	$1,754,583
22	256	$40,619	$3,144	$37,475	$1,717,108
22	257	$40,619	$3,076	$37,542	$1,679,566
22	258	$40,619	$3,009	$37,609	$1,641,956
22	259	$40,619	$2,942	$37,677	$1,604,280
22	260	$40,619	$2,874	$37,744	$1,566,535
22	261	$40,619	$2,807	$37,812	$1,528,724
22	262	$40,619	$2,739	$37,880	$1,490,844
22	263	$40,619	$2,671	$37,947	$1,452,897
22	264	$40,619	$2,603	$38,015	$1,414,881
23	265	$40,619	$2,535	$38,084	$1,376,798
23	266	$40,619	$2,467	$38,152	$1,338,646
23	267	$40,619	$2,398	$38,220	$1,300,426
23	268	$40,619	$2,330	$38,289	$1,262,137
23	269	$40,619	$2,261	$38,357	$1,223,780
23	270	$40,619	$2,193	$38,426	$1,185,354
23	271	$40,619	$2,124	$38,495	$1,146,859
23	272	$40,619	$2,055	$38,564	$1,108,295
23	273	$40,619	$1,986	$38,633	$1,069,662
23	274	$40,619	$1,916	$38,702	$1,030,960
23	275	$40,619	$1,847	$38,771	$992,189
23	276	$40,619	$1,778	$38,841	$953,348
24	277	$40,619	$1,708	$38,910	$914,437
24	278	$40,619	$1,638	$38,980	$875,457
24	279	$40,619	$1,569	$39,050	$836,407
24	280	$40,619	$1,499	$39,120	$797,287
24	281	$40,619	$1,428	$39,190	$758,097
24	282	$40,619	$1,358	$39,260	$718,837
24	283	$40,619	$1,288	$39,331	$679,506
24	284	$40,619	$1,217	$39,401	$640,105
24	285	$40,619	$1,147	$39,472	$600,633
24	286	$40,619	$1,076	$39,542	$561,091
24	287	$40,619	$1,005	$39,613	$521,478
24	288	$40,619	$934	$39,684	$481,793
25	289	$40,619	$863	$39,755	$442,038
25	290	$40,619	$792	$39,827	$402,212
25	291	$40,619	$721	$39,898	$362,314
25	292	$40,619	$649	$39,969	$322,344
25	293	$40,619	$578	$40,041	$282,303
25	294	$40,619	$506	$40,113	$242,190
25	295	$40,619	$434	$40,185	$202,006
25	296	$40,619	$362	$40,257	$161,749
25	297	$40,619	$290	$40,329	$121,420
25	298	$40,619	$218	$40,401	$81,019
25	299	$40,619	$145	$40,473	$40,546
25	300	$40,619	$73	$40,546	$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$ 6,280,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,437,000

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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.