Century 21 Centaland Property

Down Payment (HKD)

$3,700,000

Monthly Repayment (HKD)

$23,931

Loan Amount (HKD)

$5,550,000

Total Interest (HKD)

$1,629,395

Total Repayment (HKD)

$7,179,395

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$23,931	$9,944	$13,988	$5,536,012
1	2	$23,931	$9,919	$14,013	$5,522,000
1	3	$23,931	$9,894	$14,038	$5,507,962
1	4	$23,931	$9,868	$14,063	$5,493,899
1	5	$23,931	$9,843	$14,088	$5,479,811
1	6	$23,931	$9,818	$14,113	$5,465,698
1	7	$23,931	$9,793	$14,139	$5,451,559
1	8	$23,931	$9,767	$14,164	$5,437,395
1	9	$23,931	$9,742	$14,189	$5,423,206
1	10	$23,931	$9,717	$14,215	$5,408,991
1	11	$23,931	$9,691	$14,240	$5,394,751
1	12	$23,931	$9,666	$14,266	$5,380,485
2	13	$23,931	$9,640	$14,291	$5,366,194
2	14	$23,931	$9,614	$14,317	$5,351,877
2	15	$23,931	$9,589	$14,343	$5,337,535
2	16	$23,931	$9,563	$14,368	$5,323,166
2	17	$23,931	$9,537	$14,394	$5,308,772
2	18	$23,931	$9,512	$14,420	$5,294,353
2	19	$23,931	$9,486	$14,446	$5,279,907
2	20	$23,931	$9,460	$14,471	$5,265,435
2	21	$23,931	$9,434	$14,497	$5,250,938
2	22	$23,931	$9,408	$14,523	$5,236,415
2	23	$23,931	$9,382	$14,549	$5,221,865
2	24	$23,931	$9,356	$14,575	$5,207,290
3	25	$23,931	$9,330	$14,602	$5,192,688
3	26	$23,931	$9,304	$14,628	$5,178,060
3	27	$23,931	$9,277	$14,654	$5,163,406
3	28	$23,931	$9,251	$14,680	$5,148,726
3	29	$23,931	$9,225	$14,707	$5,134,020
3	30	$23,931	$9,198	$14,733	$5,119,287
3	31	$23,931	$9,172	$14,759	$5,104,528
3	32	$23,931	$9,146	$14,786	$5,089,742
3	33	$23,931	$9,119	$14,812	$5,074,930
3	34	$23,931	$9,093	$14,839	$5,060,091
3	35	$23,931	$9,066	$14,865	$5,045,226
3	36	$23,931	$9,039	$14,892	$5,030,334
4	37	$23,931	$9,013	$14,919	$5,015,415
4	38	$23,931	$8,986	$14,945	$5,000,470
4	39	$23,931	$8,959	$14,972	$4,985,498
4	40	$23,931	$8,932	$14,999	$4,970,499
4	41	$23,931	$8,905	$15,026	$4,955,473
4	42	$23,931	$8,879	$15,053	$4,940,420
4	43	$23,931	$8,852	$15,080	$4,925,340
4	44	$23,931	$8,825	$15,107	$4,910,234
4	45	$23,931	$8,798	$15,134	$4,895,100
4	46	$23,931	$8,770	$15,161	$4,879,939
4	47	$23,931	$8,743	$15,188	$4,864,751
4	48	$23,931	$8,716	$15,215	$4,849,535
5	49	$23,931	$8,689	$15,243	$4,834,293
5	50	$23,931	$8,661	$15,270	$4,819,023
5	51	$23,931	$8,634	$15,297	$4,803,726
5	52	$23,931	$8,607	$15,325	$4,788,401
5	53	$23,931	$8,579	$15,352	$4,773,049
5	54	$23,931	$8,552	$15,380	$4,757,669
5	55	$23,931	$8,524	$15,407	$4,742,262
5	56	$23,931	$8,497	$15,435	$4,726,827
5	57	$23,931	$8,469	$15,462	$4,711,365
5	58	$23,931	$8,441	$15,490	$4,695,875
5	59	$23,931	$8,413	$15,518	$4,680,357
5	60	$23,931	$8,386	$15,546	$4,664,811
6	61	$23,931	$8,358	$15,574	$4,649,238
6	62	$23,931	$8,330	$15,601	$4,633,636
6	63	$23,931	$8,302	$15,629	$4,618,007
6	64	$23,931	$8,274	$15,657	$4,602,350
6	65	$23,931	$8,246	$15,685	$4,586,664
6	66	$23,931	$8,218	$15,714	$4,570,951
6	67	$23,931	$8,190	$15,742	$4,555,209
6	68	$23,931	$8,161	$15,770	$4,539,439
6	69	$23,931	$8,133	$15,798	$4,523,641
6	70	$23,931	$8,105	$15,826	$4,507,814
6	71	$23,931	$8,077	$15,855	$4,491,960
6	72	$23,931	$8,048	$15,883	$4,476,076
7	73	$23,931	$8,020	$15,912	$4,460,165
7	74	$23,931	$7,991	$15,940	$4,444,225
7	75	$23,931	$7,963	$15,969	$4,428,256
7	76	$23,931	$7,934	$15,997	$4,412,258
7	77	$23,931	$7,905	$16,026	$4,396,232
7	78	$23,931	$7,877	$16,055	$4,380,178
7	79	$23,931	$7,848	$16,083	$4,364,094
7	80	$23,931	$7,819	$16,112	$4,347,982
7	81	$23,931	$7,790	$16,141	$4,331,841
7	82	$23,931	$7,761	$16,170	$4,315,671
7	83	$23,931	$7,732	$16,199	$4,299,471
7	84	$23,931	$7,703	$16,228	$4,283,243
8	85	$23,931	$7,674	$16,257	$4,266,986
8	86	$23,931	$7,645	$16,286	$4,250,700
8	87	$23,931	$7,616	$16,315	$4,234,384
8	88	$23,931	$7,587	$16,345	$4,218,040
8	89	$23,931	$7,557	$16,374	$4,201,666
8	90	$23,931	$7,528	$16,403	$4,185,262
8	91	$23,931	$7,499	$16,433	$4,168,830
8	92	$23,931	$7,469	$16,462	$4,152,367
8	93	$23,931	$7,440	$16,492	$4,135,876
8	94	$23,931	$7,410	$16,521	$4,119,355
8	95	$23,931	$7,381	$16,551	$4,102,804
8	96	$23,931	$7,351	$16,580	$4,086,223
9	97	$23,931	$7,321	$16,610	$4,069,613
9	98	$23,931	$7,291	$16,640	$4,052,973
9	99	$23,931	$7,262	$16,670	$4,036,304
9	100	$23,931	$7,232	$16,700	$4,019,604
9	101	$23,931	$7,202	$16,730	$4,002,874
9	102	$23,931	$7,172	$16,760	$3,986,115
9	103	$23,931	$7,142	$16,790	$3,969,325
9	104	$23,931	$7,112	$16,820	$3,952,506
9	105	$23,931	$7,082	$16,850	$3,935,656
9	106	$23,931	$7,051	$16,880	$3,918,776
9	107	$23,931	$7,021	$16,910	$3,901,866
9	108	$23,931	$6,991	$16,940	$3,884,925
10	109	$23,931	$6,960	$16,971	$3,867,955
10	110	$23,931	$6,930	$17,001	$3,850,953
10	111	$23,931	$6,900	$17,032	$3,833,922
10	112	$23,931	$6,869	$17,062	$3,816,859
10	113	$23,931	$6,839	$17,093	$3,799,767
10	114	$23,931	$6,808	$17,123	$3,782,643
10	115	$23,931	$6,777	$17,154	$3,765,489
10	116	$23,931	$6,747	$17,185	$3,748,304
10	117	$23,931	$6,716	$17,216	$3,731,089
10	118	$23,931	$6,685	$17,246	$3,713,842
10	119	$23,931	$6,654	$17,277	$3,696,565
10	120	$23,931	$6,623	$17,308	$3,679,257
11	121	$23,931	$6,592	$17,339	$3,661,917
11	122	$23,931	$6,561	$17,370	$3,644,547
11	123	$23,931	$6,530	$17,402	$3,627,145
11	124	$23,931	$6,499	$17,433	$3,609,713
11	125	$23,931	$6,467	$17,464	$3,592,249
11	126	$23,931	$6,436	$17,495	$3,574,754
11	127	$23,931	$6,405	$17,527	$3,557,227
11	128	$23,931	$6,373	$17,558	$3,539,669
11	129	$23,931	$6,342	$17,589	$3,522,080
11	130	$23,931	$6,310	$17,621	$3,504,459
11	131	$23,931	$6,279	$17,652	$3,486,806
11	132	$23,931	$6,247	$17,684	$3,469,122
12	133	$23,931	$6,216	$17,716	$3,451,406
12	134	$23,931	$6,184	$17,748	$3,433,659
12	135	$23,931	$6,152	$17,779	$3,415,880
12	136	$23,931	$6,120	$17,811	$3,398,068
12	137	$23,931	$6,088	$17,843	$3,380,225
12	138	$23,931	$6,056	$17,875	$3,362,350
12	139	$23,931	$6,024	$17,907	$3,344,443
12	140	$23,931	$5,992	$17,939	$3,326,504
12	141	$23,931	$5,960	$17,971	$3,308,532
12	142	$23,931	$5,928	$18,004	$3,290,529
12	143	$23,931	$5,896	$18,036	$3,272,493
12	144	$23,931	$5,863	$18,068	$3,254,425
13	145	$23,931	$5,831	$18,100	$3,236,325
13	146	$23,931	$5,798	$18,133	$3,218,192
13	147	$23,931	$5,766	$18,165	$3,200,026
13	148	$23,931	$5,733	$18,198	$3,181,828
13	149	$23,931	$5,701	$18,231	$3,163,598
13	150	$23,931	$5,668	$18,263	$3,145,335
13	151	$23,931	$5,635	$18,296	$3,127,039
13	152	$23,931	$5,603	$18,329	$3,108,710
13	153	$23,931	$5,570	$18,362	$3,090,348
13	154	$23,931	$5,537	$18,394	$3,071,954
13	155	$23,931	$5,504	$18,427	$3,053,527
13	156	$23,931	$5,471	$18,460	$3,035,066
14	157	$23,931	$5,438	$18,493	$3,016,573
14	158	$23,931	$5,405	$18,527	$2,998,046
14	159	$23,931	$5,371	$18,560	$2,979,486
14	160	$23,931	$5,338	$18,593	$2,960,893
14	161	$23,931	$5,305	$18,626	$2,942,267
14	162	$23,931	$5,272	$18,660	$2,923,607
14	163	$23,931	$5,238	$18,693	$2,904,914
14	164	$23,931	$5,205	$18,727	$2,886,187
14	165	$23,931	$5,171	$18,760	$2,867,427
14	166	$23,931	$5,137	$18,794	$2,848,633
14	167	$23,931	$5,104	$18,828	$2,829,806
14	168	$23,931	$5,070	$18,861	$2,810,944
15	169	$23,931	$5,036	$18,895	$2,792,049
15	170	$23,931	$5,002	$18,929	$2,773,120
15	171	$23,931	$4,969	$18,963	$2,754,158
15	172	$23,931	$4,935	$18,997	$2,735,161
15	173	$23,931	$4,900	$19,031	$2,716,130
15	174	$23,931	$4,866	$19,065	$2,697,065
15	175	$23,931	$4,832	$19,099	$2,677,966
15	176	$23,931	$4,798	$19,133	$2,658,833
15	177	$23,931	$4,764	$19,168	$2,639,665
15	178	$23,931	$4,729	$19,202	$2,620,463
15	179	$23,931	$4,695	$19,236	$2,601,227
15	180	$23,931	$4,661	$19,271	$2,581,956
16	181	$23,931	$4,626	$19,305	$2,562,651
16	182	$23,931	$4,591	$19,340	$2,543,311
16	183	$23,931	$4,557	$19,375	$2,523,936
16	184	$23,931	$4,522	$19,409	$2,504,527
16	185	$23,931	$4,487	$19,444	$2,485,083
16	186	$23,931	$4,452	$19,479	$2,465,604
16	187	$23,931	$4,418	$19,514	$2,446,090
16	188	$23,931	$4,383	$19,549	$2,426,542
16	189	$23,931	$4,348	$19,584	$2,406,958
16	190	$23,931	$4,312	$19,619	$2,387,339
16	191	$23,931	$4,277	$19,654	$2,367,685
16	192	$23,931	$4,242	$19,689	$2,347,996
17	193	$23,931	$4,207	$19,724	$2,328,271
17	194	$23,931	$4,171	$19,760	$2,308,511
17	195	$23,931	$4,136	$19,795	$2,288,716
17	196	$23,931	$4,101	$19,831	$2,268,886
17	197	$23,931	$4,065	$19,866	$2,249,019
17	198	$23,931	$4,029	$19,902	$2,229,117
17	199	$23,931	$3,994	$19,937	$2,209,180
17	200	$23,931	$3,958	$19,973	$2,189,207
17	201	$23,931	$3,922	$20,009	$2,169,198
17	202	$23,931	$3,886	$20,045	$2,149,153
17	203	$23,931	$3,851	$20,081	$2,129,072
17	204	$23,931	$3,815	$20,117	$2,108,956
18	205	$23,931	$3,779	$20,153	$2,088,803
18	206	$23,931	$3,742	$20,189	$2,068,614
18	207	$23,931	$3,706	$20,225	$2,048,389
18	208	$23,931	$3,670	$20,261	$2,028,128
18	209	$23,931	$3,634	$20,298	$2,007,830
18	210	$23,931	$3,597	$20,334	$1,987,496
18	211	$23,931	$3,561	$20,370	$1,967,126
18	212	$23,931	$3,524	$20,407	$1,946,719
18	213	$23,931	$3,488	$20,443	$1,926,275
18	214	$23,931	$3,451	$20,480	$1,905,795
18	215	$23,931	$3,415	$20,517	$1,885,278
18	216	$23,931	$3,378	$20,554	$1,864,725
19	217	$23,931	$3,341	$20,590	$1,844,135
19	218	$23,931	$3,304	$20,627	$1,823,507
19	219	$23,931	$3,267	$20,664	$1,802,843
19	220	$23,931	$3,230	$20,701	$1,782,142
19	221	$23,931	$3,193	$20,738	$1,761,404
19	222	$23,931	$3,156	$20,775	$1,740,628
19	223	$23,931	$3,119	$20,813	$1,719,815
19	224	$23,931	$3,081	$20,850	$1,698,965
19	225	$23,931	$3,044	$20,887	$1,678,078
19	226	$23,931	$3,007	$20,925	$1,657,153
19	227	$23,931	$2,969	$20,962	$1,636,191
19	228	$23,931	$2,932	$21,000	$1,615,191
20	229	$23,931	$2,894	$21,037	$1,594,154
20	230	$23,931	$2,856	$21,075	$1,573,079
20	231	$23,931	$2,818	$21,113	$1,551,966
20	232	$23,931	$2,781	$21,151	$1,530,815
20	233	$23,931	$2,743	$21,189	$1,509,626
20	234	$23,931	$2,705	$21,227	$1,488,400
20	235	$23,931	$2,667	$21,265	$1,467,135
20	236	$23,931	$2,629	$21,303	$1,445,833
20	237	$23,931	$2,590	$21,341	$1,424,492
20	238	$23,931	$2,552	$21,379	$1,403,113
20	239	$23,931	$2,514	$21,417	$1,381,695
20	240	$23,931	$2,476	$21,456	$1,360,239
21	241	$23,931	$2,437	$21,494	$1,338,745
21	242	$23,931	$2,399	$21,533	$1,317,213
21	243	$23,931	$2,360	$21,571	$1,295,641
21	244	$23,931	$2,321	$21,610	$1,274,031
21	245	$23,931	$2,283	$21,649	$1,252,383
21	246	$23,931	$2,244	$21,687	$1,230,695
21	247	$23,931	$2,205	$21,726	$1,208,969
21	248	$23,931	$2,166	$21,765	$1,187,204
21	249	$23,931	$2,127	$21,804	$1,165,399
21	250	$23,931	$2,088	$21,843	$1,143,556
21	251	$23,931	$2,049	$21,882	$1,121,674
21	252	$23,931	$2,010	$21,922	$1,099,752
22	253	$23,931	$1,970	$21,961	$1,077,791
22	254	$23,931	$1,931	$22,000	$1,055,791
22	255	$23,931	$1,892	$22,040	$1,033,751
22	256	$23,931	$1,852	$22,079	$1,011,672
22	257	$23,931	$1,813	$22,119	$989,553
22	258	$23,931	$1,773	$22,158	$967,395
22	259	$23,931	$1,733	$22,198	$945,197
22	260	$23,931	$1,693	$22,238	$922,959
22	261	$23,931	$1,654	$22,278	$900,681
22	262	$23,931	$1,614	$22,318	$878,364
22	263	$23,931	$1,574	$22,358	$856,006
22	264	$23,931	$1,534	$22,398	$833,608
23	265	$23,931	$1,494	$22,438	$811,171
23	266	$23,931	$1,453	$22,478	$788,693
23	267	$23,931	$1,413	$22,518	$766,174
23	268	$23,931	$1,373	$22,559	$743,616
23	269	$23,931	$1,332	$22,599	$721,017
23	270	$23,931	$1,292	$22,639	$698,377
23	271	$23,931	$1,251	$22,680	$675,697
23	272	$23,931	$1,211	$22,721	$652,976
23	273	$23,931	$1,170	$22,761	$630,215
23	274	$23,931	$1,129	$22,802	$607,413
23	275	$23,931	$1,088	$22,843	$584,570
23	276	$23,931	$1,047	$22,884	$561,686
24	277	$23,931	$1,006	$22,925	$538,761
24	278	$23,931	$965	$22,966	$515,795
24	279	$23,931	$924	$23,007	$492,788
24	280	$23,931	$883	$23,048	$469,739
24	281	$23,931	$842	$23,090	$446,650
24	282	$23,931	$800	$23,131	$423,519
24	283	$23,931	$759	$23,173	$400,346
24	284	$23,931	$717	$23,214	$377,132
24	285	$23,931	$676	$23,256	$353,876
24	286	$23,931	$634	$23,297	$330,579
24	287	$23,931	$592	$23,339	$307,240
24	288	$23,931	$550	$23,381	$283,859
25	289	$23,931	$509	$23,423	$260,436
25	290	$23,931	$467	$23,465	$236,972
25	291	$23,931	$425	$23,507	$213,465
25	292	$23,931	$382	$23,549	$189,916
25	293	$23,931	$340	$23,591	$166,325
25	294	$23,931	$298	$23,633	$142,692
25	295	$23,931	$256	$23,676	$119,016
25	296	$23,931	$213	$23,718	$95,298
25	297	$23,931	$171	$23,761	$71,537
25	298	$23,931	$128	$23,803	$47,734
25	299	$23,931	$86	$23,846	$23,889
25	300	$23,931	$43	$23,889	$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$ 3,700,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,792,500

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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.