Century 21 Centaland Property

Down Payment (HKD)

$6,240,000

Monthly Repayment (HKD)

$40,360

Loan Amount (HKD)

$9,360,000

Total Interest (HKD)

$2,747,953

Total Repayment (HKD)

$12,107,953

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$40,360	$16,770	$23,590	$9,336,410
1	2	$40,360	$16,728	$23,632	$9,312,778
1	3	$40,360	$16,685	$23,674	$9,289,104
1	4	$40,360	$16,643	$23,717	$9,265,387
1	5	$40,360	$16,600	$23,759	$9,241,627
1	6	$40,360	$16,558	$23,802	$9,217,825
1	7	$40,360	$16,515	$23,845	$9,193,981
1	8	$40,360	$16,473	$23,887	$9,170,094
1	9	$40,360	$16,430	$23,930	$9,146,163
1	10	$40,360	$16,387	$23,973	$9,122,191
1	11	$40,360	$16,344	$24,016	$9,098,175
1	12	$40,360	$16,301	$24,059	$9,074,116
2	13	$40,360	$16,258	$24,102	$9,050,014
2	14	$40,360	$16,215	$24,145	$9,025,868
2	15	$40,360	$16,171	$24,188	$9,001,680
2	16	$40,360	$16,128	$24,232	$8,977,448
2	17	$40,360	$16,085	$24,275	$8,953,173
2	18	$40,360	$16,041	$24,319	$8,928,854
2	19	$40,360	$15,998	$24,362	$8,904,492
2	20	$40,360	$15,954	$24,406	$8,880,086
2	21	$40,360	$15,910	$24,450	$8,855,636
2	22	$40,360	$15,866	$24,493	$8,831,143
2	23	$40,360	$15,822	$24,537	$8,806,605
2	24	$40,360	$15,779	$24,581	$8,782,024
3	25	$40,360	$15,734	$24,625	$8,757,398
3	26	$40,360	$15,690	$24,670	$8,732,729
3	27	$40,360	$15,646	$24,714	$8,708,015
3	28	$40,360	$15,602	$24,758	$8,683,257
3	29	$40,360	$15,558	$24,802	$8,658,455
3	30	$40,360	$15,513	$24,847	$8,633,608
3	31	$40,360	$15,469	$24,891	$8,608,717
3	32	$40,360	$15,424	$24,936	$8,583,781
3	33	$40,360	$15,379	$24,981	$8,558,800
3	34	$40,360	$15,335	$25,025	$8,533,775
3	35	$40,360	$15,290	$25,070	$8,508,705
3	36	$40,360	$15,245	$25,115	$8,483,590
4	37	$40,360	$15,200	$25,160	$8,458,430
4	38	$40,360	$15,155	$25,205	$8,433,225
4	39	$40,360	$15,110	$25,250	$8,407,974
4	40	$40,360	$15,064	$25,296	$8,382,679
4	41	$40,360	$15,019	$25,341	$8,357,338
4	42	$40,360	$14,974	$25,386	$8,331,952
4	43	$40,360	$14,928	$25,432	$8,306,520
4	44	$40,360	$14,883	$25,477	$8,281,042
4	45	$40,360	$14,837	$25,523	$8,255,520
4	46	$40,360	$14,791	$25,569	$8,229,951
4	47	$40,360	$14,745	$25,615	$8,204,336
4	48	$40,360	$14,699	$25,660	$8,178,676
5	49	$40,360	$14,653	$25,706	$8,152,970
5	50	$40,360	$14,607	$25,752	$8,127,217
5	51	$40,360	$14,561	$25,799	$8,101,418
5	52	$40,360	$14,515	$25,845	$8,075,574
5	53	$40,360	$14,469	$25,891	$8,049,683
5	54	$40,360	$14,422	$25,937	$8,023,745
5	55	$40,360	$14,376	$25,984	$7,997,761
5	56	$40,360	$14,329	$26,031	$7,971,731
5	57	$40,360	$14,283	$26,077	$7,945,653
5	58	$40,360	$14,236	$26,124	$7,919,530
5	59	$40,360	$14,189	$26,171	$7,893,359
5	60	$40,360	$14,142	$26,218	$7,867,141
6	61	$40,360	$14,095	$26,265	$7,840,877
6	62	$40,360	$14,048	$26,312	$7,814,565
6	63	$40,360	$14,001	$26,359	$7,788,206
6	64	$40,360	$13,954	$26,406	$7,761,800
6	65	$40,360	$13,907	$26,453	$7,735,347
6	66	$40,360	$13,859	$26,501	$7,708,846
6	67	$40,360	$13,812	$26,548	$7,682,298
6	68	$40,360	$13,764	$26,596	$7,655,703
6	69	$40,360	$13,716	$26,643	$7,629,059
6	70	$40,360	$13,669	$26,691	$7,602,368
6	71	$40,360	$13,621	$26,739	$7,575,629
6	72	$40,360	$13,573	$26,787	$7,548,842
7	73	$40,360	$13,525	$26,835	$7,522,007
7	74	$40,360	$13,477	$26,883	$7,495,125
7	75	$40,360	$13,429	$26,931	$7,468,193
7	76	$40,360	$13,381	$26,979	$7,441,214
7	77	$40,360	$13,332	$27,028	$7,414,186
7	78	$40,360	$13,284	$27,076	$7,387,110
7	79	$40,360	$13,235	$27,125	$7,359,986
7	80	$40,360	$13,187	$27,173	$7,332,813
7	81	$40,360	$13,138	$27,222	$7,305,591
7	82	$40,360	$13,089	$27,271	$7,278,320
7	83	$40,360	$13,040	$27,320	$7,251,001
7	84	$40,360	$12,991	$27,368	$7,223,632
8	85	$40,360	$12,942	$27,418	$7,196,215
8	86	$40,360	$12,893	$27,467	$7,168,748
8	87	$40,360	$12,844	$27,516	$7,141,232
8	88	$40,360	$12,795	$27,565	$7,113,667
8	89	$40,360	$12,745	$27,615	$7,086,052
8	90	$40,360	$12,696	$27,664	$7,058,388
8	91	$40,360	$12,646	$27,714	$7,030,675
8	92	$40,360	$12,597	$27,763	$7,002,912
8	93	$40,360	$12,547	$27,813	$6,975,099
8	94	$40,360	$12,497	$27,863	$6,947,236
8	95	$40,360	$12,447	$27,913	$6,919,323
8	96	$40,360	$12,397	$27,963	$6,891,360
9	97	$40,360	$12,347	$28,013	$6,863,348
9	98	$40,360	$12,297	$28,063	$6,835,285
9	99	$40,360	$12,247	$28,113	$6,807,171
9	100	$40,360	$12,196	$28,164	$6,779,008
9	101	$40,360	$12,146	$28,214	$6,750,794
9	102	$40,360	$12,095	$28,265	$6,722,529
9	103	$40,360	$12,045	$28,315	$6,694,214
9	104	$40,360	$11,994	$28,366	$6,665,848
9	105	$40,360	$11,943	$28,417	$6,637,431
9	106	$40,360	$11,892	$28,468	$6,608,963
9	107	$40,360	$11,841	$28,519	$6,580,444
9	108	$40,360	$11,790	$28,570	$6,551,874
10	109	$40,360	$11,739	$28,621	$6,523,253
10	110	$40,360	$11,687	$28,672	$6,494,581
10	111	$40,360	$11,636	$28,724	$6,465,857
10	112	$40,360	$11,585	$28,775	$6,437,082
10	113	$40,360	$11,533	$28,827	$6,408,255
10	114	$40,360	$11,481	$28,878	$6,379,377
10	115	$40,360	$11,430	$28,930	$6,350,447
10	116	$40,360	$11,378	$28,982	$6,321,465
10	117	$40,360	$11,326	$29,034	$6,292,431
10	118	$40,360	$11,274	$29,086	$6,263,345
10	119	$40,360	$11,222	$29,138	$6,234,207
10	120	$40,360	$11,170	$29,190	$6,205,017
11	121	$40,360	$11,117	$29,243	$6,175,774
11	122	$40,360	$11,065	$29,295	$6,146,479
11	123	$40,360	$11,012	$29,347	$6,117,132
11	124	$40,360	$10,960	$29,400	$6,087,732
11	125	$40,360	$10,907	$29,453	$6,058,279
11	126	$40,360	$10,854	$29,505	$6,028,774
11	127	$40,360	$10,802	$29,558	$5,999,215
11	128	$40,360	$10,749	$29,611	$5,969,604
11	129	$40,360	$10,696	$29,664	$5,939,940
11	130	$40,360	$10,642	$29,717	$5,910,222
11	131	$40,360	$10,589	$29,771	$5,880,452
11	132	$40,360	$10,536	$29,824	$5,850,628
12	133	$40,360	$10,482	$29,877	$5,820,750
12	134	$40,360	$10,429	$29,931	$5,790,819
12	135	$40,360	$10,375	$29,985	$5,760,835
12	136	$40,360	$10,321	$30,038	$5,730,796
12	137	$40,360	$10,268	$30,092	$5,700,704
12	138	$40,360	$10,214	$30,146	$5,670,558
12	139	$40,360	$10,160	$30,200	$5,640,358
12	140	$40,360	$10,106	$30,254	$5,610,104
12	141	$40,360	$10,051	$30,308	$5,579,795
12	142	$40,360	$9,997	$30,363	$5,549,433
12	143	$40,360	$9,943	$30,417	$5,519,016
12	144	$40,360	$9,888	$30,472	$5,488,544
13	145	$40,360	$9,834	$30,526	$5,458,018
13	146	$40,360	$9,779	$30,581	$5,427,437
13	147	$40,360	$9,724	$30,636	$5,396,801
13	148	$40,360	$9,669	$30,691	$5,366,111
13	149	$40,360	$9,614	$30,746	$5,335,365
13	150	$40,360	$9,559	$30,801	$5,304,564
13	151	$40,360	$9,504	$30,856	$5,273,709
13	152	$40,360	$9,449	$30,911	$5,242,797
13	153	$40,360	$9,393	$30,966	$5,211,831
13	154	$40,360	$9,338	$31,022	$5,180,809
13	155	$40,360	$9,282	$31,078	$5,149,731
13	156	$40,360	$9,227	$31,133	$5,118,598
14	157	$40,360	$9,171	$31,189	$5,087,409
14	158	$40,360	$9,115	$31,245	$5,056,164
14	159	$40,360	$9,059	$31,301	$5,024,863
14	160	$40,360	$9,003	$31,357	$4,993,506
14	161	$40,360	$8,947	$31,413	$4,962,093
14	162	$40,360	$8,890	$31,469	$4,930,624
14	163	$40,360	$8,834	$31,526	$4,899,098
14	164	$40,360	$8,778	$31,582	$4,867,516
14	165	$40,360	$8,721	$31,639	$4,835,877
14	166	$40,360	$8,664	$31,696	$4,804,181
14	167	$40,360	$8,607	$31,752	$4,772,429
14	168	$40,360	$8,551	$31,809	$4,740,620
15	169	$40,360	$8,494	$31,866	$4,708,753
15	170	$40,360	$8,437	$31,923	$4,676,830
15	171	$40,360	$8,379	$31,981	$4,644,850
15	172	$40,360	$8,322	$32,038	$4,612,812
15	173	$40,360	$8,265	$32,095	$4,580,717
15	174	$40,360	$8,207	$32,153	$4,548,564
15	175	$40,360	$8,150	$32,210	$4,516,353
15	176	$40,360	$8,092	$32,268	$4,484,085
15	177	$40,360	$8,034	$32,326	$4,451,760
15	178	$40,360	$7,976	$32,384	$4,419,376
15	179	$40,360	$7,918	$32,442	$4,386,934
15	180	$40,360	$7,860	$32,500	$4,354,434
16	181	$40,360	$7,802	$32,558	$4,321,876
16	182	$40,360	$7,743	$32,616	$4,289,259
16	183	$40,360	$7,685	$32,675	$4,256,585
16	184	$40,360	$7,626	$32,733	$4,223,851
16	185	$40,360	$7,568	$32,792	$4,191,059
16	186	$40,360	$7,509	$32,851	$4,158,208
16	187	$40,360	$7,450	$32,910	$4,125,298
16	188	$40,360	$7,391	$32,969	$4,092,330
16	189	$40,360	$7,332	$33,028	$4,059,302
16	190	$40,360	$7,273	$33,087	$4,026,215
16	191	$40,360	$7,214	$33,146	$3,993,069
16	192	$40,360	$7,154	$33,206	$3,959,863
17	193	$40,360	$7,095	$33,265	$3,926,598
17	194	$40,360	$7,035	$33,325	$3,893,273
17	195	$40,360	$6,975	$33,384	$3,859,889
17	196	$40,360	$6,916	$33,444	$3,826,445
17	197	$40,360	$6,856	$33,504	$3,792,941
17	198	$40,360	$6,796	$33,564	$3,759,377
17	199	$40,360	$6,736	$33,624	$3,725,752
17	200	$40,360	$6,675	$33,685	$3,692,068
17	201	$40,360	$6,615	$33,745	$3,658,323
17	202	$40,360	$6,554	$33,805	$3,624,517
17	203	$40,360	$6,494	$33,866	$3,590,652
17	204	$40,360	$6,433	$33,927	$3,556,725
18	205	$40,360	$6,372	$33,987	$3,522,738
18	206	$40,360	$6,312	$34,048	$3,488,689
18	207	$40,360	$6,251	$34,109	$3,454,580
18	208	$40,360	$6,189	$34,170	$3,420,410
18	209	$40,360	$6,128	$34,232	$3,386,178
18	210	$40,360	$6,067	$34,293	$3,351,885
18	211	$40,360	$6,005	$34,354	$3,317,531
18	212	$40,360	$5,944	$34,416	$3,283,115
18	213	$40,360	$5,882	$34,478	$3,248,637
18	214	$40,360	$5,820	$34,539	$3,214,098
18	215	$40,360	$5,759	$34,601	$3,179,497
18	216	$40,360	$5,697	$34,663	$3,144,833
19	217	$40,360	$5,634	$34,725	$3,110,108
19	218	$40,360	$5,572	$34,788	$3,075,320
19	219	$40,360	$5,510	$34,850	$3,040,471
19	220	$40,360	$5,448	$34,912	$3,005,558
19	221	$40,360	$5,385	$34,975	$2,970,583
19	222	$40,360	$5,322	$35,038	$2,935,546
19	223	$40,360	$5,260	$35,100	$2,900,445
19	224	$40,360	$5,197	$35,163	$2,865,282
19	225	$40,360	$5,134	$35,226	$2,830,056
19	226	$40,360	$5,071	$35,289	$2,794,767
19	227	$40,360	$5,007	$35,353	$2,759,414
19	228	$40,360	$4,944	$35,416	$2,723,998
20	229	$40,360	$4,880	$35,479	$2,688,519
20	230	$40,360	$4,817	$35,543	$2,652,976
20	231	$40,360	$4,753	$35,607	$2,617,369
20	232	$40,360	$4,689	$35,670	$2,581,699
20	233	$40,360	$4,626	$35,734	$2,545,965
20	234	$40,360	$4,562	$35,798	$2,510,166
20	235	$40,360	$4,497	$35,862	$2,474,304
20	236	$40,360	$4,433	$35,927	$2,438,377
20	237	$40,360	$4,369	$35,991	$2,402,386
20	238	$40,360	$4,304	$36,056	$2,366,331
20	239	$40,360	$4,240	$36,120	$2,330,210
20	240	$40,360	$4,175	$36,185	$2,294,025
21	241	$40,360	$4,110	$36,250	$2,257,776
21	242	$40,360	$4,045	$36,315	$2,221,461
21	243	$40,360	$3,980	$36,380	$2,185,081
21	244	$40,360	$3,915	$36,445	$2,148,636
21	245	$40,360	$3,850	$36,510	$2,112,126
21	246	$40,360	$3,784	$36,576	$2,075,551
21	247	$40,360	$3,719	$36,641	$2,038,910
21	248	$40,360	$3,653	$36,707	$2,002,203
21	249	$40,360	$3,587	$36,773	$1,965,430
21	250	$40,360	$3,521	$36,838	$1,928,592
21	251	$40,360	$3,455	$36,904	$1,891,687
21	252	$40,360	$3,389	$36,971	$1,854,717
22	253	$40,360	$3,323	$37,037	$1,817,680
22	254	$40,360	$3,257	$37,103	$1,780,577
22	255	$40,360	$3,190	$37,170	$1,743,407
22	256	$40,360	$3,124	$37,236	$1,706,171
22	257	$40,360	$3,057	$37,303	$1,668,868
22	258	$40,360	$2,990	$37,370	$1,631,498
22	259	$40,360	$2,923	$37,437	$1,594,061
22	260	$40,360	$2,856	$37,504	$1,556,558
22	261	$40,360	$2,789	$37,571	$1,518,987
22	262	$40,360	$2,722	$37,638	$1,481,348
22	263	$40,360	$2,654	$37,706	$1,443,642
22	264	$40,360	$2,587	$37,773	$1,405,869
23	265	$40,360	$2,519	$37,841	$1,368,028
23	266	$40,360	$2,451	$37,909	$1,330,119
23	267	$40,360	$2,383	$37,977	$1,292,143
23	268	$40,360	$2,315	$38,045	$1,254,098
23	269	$40,360	$2,247	$38,113	$1,215,985
23	270	$40,360	$2,179	$38,181	$1,177,804
23	271	$40,360	$2,110	$38,250	$1,139,554
23	272	$40,360	$2,042	$38,318	$1,101,236
23	273	$40,360	$1,973	$38,387	$1,062,849
23	274	$40,360	$1,904	$38,456	$1,024,394
23	275	$40,360	$1,835	$38,524	$985,869
23	276	$40,360	$1,766	$38,593	$947,276
24	277	$40,360	$1,697	$38,663	$908,613
24	278	$40,360	$1,628	$38,732	$869,881
24	279	$40,360	$1,559	$38,801	$831,080
24	280	$40,360	$1,489	$38,871	$792,209
24	281	$40,360	$1,419	$38,940	$753,268
24	282	$40,360	$1,350	$39,010	$714,258
24	283	$40,360	$1,280	$39,080	$675,178
24	284	$40,360	$1,210	$39,150	$636,028
24	285	$40,360	$1,140	$39,220	$596,808
24	286	$40,360	$1,069	$39,291	$557,517
24	287	$40,360	$999	$39,361	$518,156
24	288	$40,360	$928	$39,431	$478,725
25	289	$40,360	$858	$39,502	$439,223
25	290	$40,360	$787	$39,573	$399,650
25	291	$40,360	$716	$39,644	$360,006
25	292	$40,360	$645	$39,715	$320,291
25	293	$40,360	$574	$39,786	$280,505
25	294	$40,360	$503	$39,857	$240,648
25	295	$40,360	$431	$39,929	$200,719
25	296	$40,360	$360	$40,000	$160,719
25	297	$40,360	$288	$40,072	$120,647
25	298	$40,360	$216	$40,144	$80,503
25	299	$40,360	$144	$40,216	$40,288
25	300	$40,360	$72	$40,288	$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$ 6,240,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,396,000

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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.