Century 21 Centaland Property

Down Payment (HKD)

$2,992,000

Monthly Repayment (HKD)

$19,352

Loan Amount (HKD)

$4,488,000

Total Interest (HKD)

$1,317,608

Total Repayment (HKD)

$5,805,608

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$19,352	$8,041	$11,311	$4,476,689
1	2	$19,352	$8,021	$11,331	$4,465,358
1	3	$19,352	$8,000	$11,352	$4,454,006
1	4	$19,352	$7,980	$11,372	$4,442,634
1	5	$19,352	$7,960	$11,392	$4,431,242
1	6	$19,352	$7,939	$11,413	$4,419,829
1	7	$19,352	$7,919	$11,433	$4,408,396
1	8	$19,352	$7,898	$11,454	$4,396,942
1	9	$19,352	$7,878	$11,474	$4,385,468
1	10	$19,352	$7,857	$11,495	$4,373,973
1	11	$19,352	$7,837	$11,515	$4,362,458
1	12	$19,352	$7,816	$11,536	$4,350,922
2	13	$19,352	$7,795	$11,557	$4,339,365
2	14	$19,352	$7,775	$11,577	$4,327,788
2	15	$19,352	$7,754	$11,598	$4,316,190
2	16	$19,352	$7,733	$11,619	$4,304,571
2	17	$19,352	$7,712	$11,640	$4,292,932
2	18	$19,352	$7,692	$11,661	$4,281,271
2	19	$19,352	$7,671	$11,681	$4,269,590
2	20	$19,352	$7,650	$11,702	$4,257,887
2	21	$19,352	$7,629	$11,723	$4,246,164
2	22	$19,352	$7,608	$11,744	$4,234,420
2	23	$19,352	$7,587	$11,765	$4,222,654
2	24	$19,352	$7,566	$11,786	$4,210,868
3	25	$19,352	$7,544	$11,808	$4,199,060
3	26	$19,352	$7,523	$11,829	$4,187,232
3	27	$19,352	$7,502	$11,850	$4,175,382
3	28	$19,352	$7,481	$11,871	$4,163,511
3	29	$19,352	$7,460	$11,892	$4,151,618
3	30	$19,352	$7,438	$11,914	$4,139,704
3	31	$19,352	$7,417	$11,935	$4,127,769
3	32	$19,352	$7,396	$11,956	$4,115,813
3	33	$19,352	$7,374	$11,978	$4,103,835
3	34	$19,352	$7,353	$11,999	$4,091,836
3	35	$19,352	$7,331	$12,021	$4,079,815
3	36	$19,352	$7,310	$12,042	$4,067,773
4	37	$19,352	$7,288	$12,064	$4,055,709
4	38	$19,352	$7,266	$12,086	$4,043,623
4	39	$19,352	$7,245	$12,107	$4,031,516
4	40	$19,352	$7,223	$12,129	$4,019,387
4	41	$19,352	$7,201	$12,151	$4,007,236
4	42	$19,352	$7,180	$12,172	$3,995,064
4	43	$19,352	$7,158	$12,194	$3,982,870
4	44	$19,352	$7,136	$12,216	$3,970,654
4	45	$19,352	$7,114	$12,238	$3,958,416
4	46	$19,352	$7,092	$12,260	$3,946,156
4	47	$19,352	$7,070	$12,282	$3,933,874
4	48	$19,352	$7,048	$12,304	$3,921,570
5	49	$19,352	$7,026	$12,326	$3,909,244
5	50	$19,352	$7,004	$12,348	$3,896,896
5	51	$19,352	$6,982	$12,370	$3,884,526
5	52	$19,352	$6,960	$12,392	$3,872,134
5	53	$19,352	$6,938	$12,414	$3,859,720
5	54	$19,352	$6,915	$12,437	$3,847,283
5	55	$19,352	$6,893	$12,459	$3,834,824
5	56	$19,352	$6,871	$12,481	$3,822,343
5	57	$19,352	$6,848	$12,504	$3,809,839
5	58	$19,352	$6,826	$12,526	$3,797,313
5	59	$19,352	$6,804	$12,549	$3,784,764
5	60	$19,352	$6,781	$12,571	$3,772,193
6	61	$19,352	$6,759	$12,594	$3,759,600
6	62	$19,352	$6,736	$12,616	$3,746,984
6	63	$19,352	$6,713	$12,639	$3,734,345
6	64	$19,352	$6,691	$12,661	$3,721,684
6	65	$19,352	$6,668	$12,684	$3,709,000
6	66	$19,352	$6,645	$12,707	$3,696,293
6	67	$19,352	$6,623	$12,730	$3,683,564
6	68	$19,352	$6,600	$12,752	$3,670,811
6	69	$19,352	$6,577	$12,775	$3,658,036
6	70	$19,352	$6,554	$12,798	$3,645,238
6	71	$19,352	$6,531	$12,821	$3,632,417
6	72	$19,352	$6,508	$12,844	$3,619,573
7	73	$19,352	$6,485	$12,867	$3,606,706
7	74	$19,352	$6,462	$12,890	$3,593,816
7	75	$19,352	$6,439	$12,913	$3,580,903
7	76	$19,352	$6,416	$12,936	$3,567,967
7	77	$19,352	$6,393	$12,959	$3,555,007
7	78	$19,352	$6,369	$12,983	$3,542,025
7	79	$19,352	$6,346	$13,006	$3,529,019
7	80	$19,352	$6,323	$13,029	$3,515,990
7	81	$19,352	$6,299	$13,053	$3,502,937
7	82	$19,352	$6,276	$13,076	$3,489,861
7	83	$19,352	$6,253	$13,099	$3,476,762
7	84	$19,352	$6,229	$13,123	$3,463,639
8	85	$19,352	$6,206	$13,146	$3,450,493
8	86	$19,352	$6,182	$13,170	$3,437,323
8	87	$19,352	$6,159	$13,193	$3,424,129
8	88	$19,352	$6,135	$13,217	$3,410,912
8	89	$19,352	$6,111	$13,241	$3,397,671
8	90	$19,352	$6,087	$13,265	$3,384,407
8	91	$19,352	$6,064	$13,288	$3,371,118
8	92	$19,352	$6,040	$13,312	$3,357,806
8	93	$19,352	$6,016	$13,336	$3,344,470
8	94	$19,352	$5,992	$13,360	$3,331,111
8	95	$19,352	$5,968	$13,384	$3,317,727
8	96	$19,352	$5,944	$13,408	$3,304,319
9	97	$19,352	$5,920	$13,432	$3,290,887
9	98	$19,352	$5,896	$13,456	$3,277,431
9	99	$19,352	$5,872	$13,480	$3,263,951
9	100	$19,352	$5,848	$13,504	$3,250,447
9	101	$19,352	$5,824	$13,528	$3,236,919
9	102	$19,352	$5,799	$13,553	$3,223,366
9	103	$19,352	$5,775	$13,577	$3,209,790
9	104	$19,352	$5,751	$13,601	$3,196,188
9	105	$19,352	$5,727	$13,626	$3,182,563
9	106	$19,352	$5,702	$13,650	$3,168,913
9	107	$19,352	$5,678	$13,674	$3,155,239
9	108	$19,352	$5,653	$13,699	$3,141,540
10	109	$19,352	$5,629	$13,723	$3,127,816
10	110	$19,352	$5,604	$13,748	$3,114,068
10	111	$19,352	$5,579	$13,773	$3,100,296
10	112	$19,352	$5,555	$13,797	$3,086,498
10	113	$19,352	$5,530	$13,822	$3,072,676
10	114	$19,352	$5,505	$13,847	$3,058,829
10	115	$19,352	$5,480	$13,872	$3,044,958
10	116	$19,352	$5,456	$13,896	$3,031,061
10	117	$19,352	$5,431	$13,921	$3,017,140
10	118	$19,352	$5,406	$13,946	$3,003,194
10	119	$19,352	$5,381	$13,971	$2,989,222
10	120	$19,352	$5,356	$13,996	$2,975,226
11	121	$19,352	$5,331	$14,021	$2,961,205
11	122	$19,352	$5,305	$14,047	$2,947,158
11	123	$19,352	$5,280	$14,072	$2,933,086
11	124	$19,352	$5,255	$14,097	$2,918,989
11	125	$19,352	$5,230	$14,122	$2,904,867
11	126	$19,352	$5,205	$14,147	$2,890,720
11	127	$19,352	$5,179	$14,173	$2,876,547
11	128	$19,352	$5,154	$14,198	$2,862,349
11	129	$19,352	$5,128	$14,224	$2,848,125
11	130	$19,352	$5,103	$14,249	$2,833,876
11	131	$19,352	$5,077	$14,275	$2,819,601
11	132	$19,352	$5,052	$14,300	$2,805,301
12	133	$19,352	$5,026	$14,326	$2,790,975
12	134	$19,352	$5,000	$14,352	$2,776,624
12	135	$19,352	$4,975	$14,377	$2,762,246
12	136	$19,352	$4,949	$14,403	$2,747,843
12	137	$19,352	$4,923	$14,429	$2,733,415
12	138	$19,352	$4,897	$14,455	$2,718,960
12	139	$19,352	$4,871	$14,481	$2,704,479
12	140	$19,352	$4,846	$14,507	$2,689,973
12	141	$19,352	$4,820	$14,532	$2,675,440
12	142	$19,352	$4,793	$14,559	$2,660,882
12	143	$19,352	$4,767	$14,585	$2,646,297
12	144	$19,352	$4,741	$14,611	$2,631,686
13	145	$19,352	$4,715	$14,637	$2,617,050
13	146	$19,352	$4,689	$14,663	$2,602,386
13	147	$19,352	$4,663	$14,689	$2,587,697
13	148	$19,352	$4,636	$14,716	$2,572,981
13	149	$19,352	$4,610	$14,742	$2,558,239
13	150	$19,352	$4,584	$14,769	$2,543,471
13	151	$19,352	$4,557	$14,795	$2,528,676
13	152	$19,352	$4,531	$14,821	$2,513,854
13	153	$19,352	$4,504	$14,848	$2,499,006
13	154	$19,352	$4,477	$14,875	$2,484,131
13	155	$19,352	$4,451	$14,901	$2,469,230
13	156	$19,352	$4,424	$14,928	$2,454,302
14	157	$19,352	$4,397	$14,955	$2,439,347
14	158	$19,352	$4,370	$14,982	$2,424,366
14	159	$19,352	$4,344	$15,008	$2,409,358
14	160	$19,352	$4,317	$15,035	$2,394,322
14	161	$19,352	$4,290	$15,062	$2,379,260
14	162	$19,352	$4,263	$15,089	$2,364,171
14	163	$19,352	$4,236	$15,116	$2,349,055
14	164	$19,352	$4,209	$15,143	$2,333,911
14	165	$19,352	$4,182	$15,170	$2,318,741
14	166	$19,352	$4,154	$15,198	$2,303,543
14	167	$19,352	$4,127	$15,225	$2,288,318
14	168	$19,352	$4,100	$15,252	$2,273,066
15	169	$19,352	$4,073	$15,279	$2,257,787
15	170	$19,352	$4,045	$15,307	$2,242,480
15	171	$19,352	$4,018	$15,334	$2,227,146
15	172	$19,352	$3,990	$15,362	$2,211,784
15	173	$19,352	$3,963	$15,389	$2,196,395
15	174	$19,352	$3,935	$15,417	$2,180,978
15	175	$19,352	$3,908	$15,444	$2,165,534
15	176	$19,352	$3,880	$15,472	$2,150,061
15	177	$19,352	$3,852	$15,500	$2,134,562
15	178	$19,352	$3,824	$15,528	$2,119,034
15	179	$19,352	$3,797	$15,555	$2,103,479
15	180	$19,352	$3,769	$15,583	$2,087,895
16	181	$19,352	$3,741	$15,611	$2,072,284
16	182	$19,352	$3,713	$15,639	$2,056,645
16	183	$19,352	$3,685	$15,667	$2,040,978
16	184	$19,352	$3,657	$15,695	$2,025,282
16	185	$19,352	$3,629	$15,723	$2,009,559
16	186	$19,352	$3,600	$15,752	$1,993,807
16	187	$19,352	$3,572	$15,780	$1,978,028
16	188	$19,352	$3,544	$15,808	$1,962,220
16	189	$19,352	$3,516	$15,836	$1,946,383
16	190	$19,352	$3,487	$15,865	$1,930,518
16	191	$19,352	$3,459	$15,893	$1,914,625
16	192	$19,352	$3,430	$15,922	$1,898,704
17	193	$19,352	$3,402	$15,950	$1,882,753
17	194	$19,352	$3,373	$15,979	$1,866,775
17	195	$19,352	$3,345	$16,007	$1,850,767
17	196	$19,352	$3,316	$16,036	$1,834,731
17	197	$19,352	$3,287	$16,065	$1,818,666
17	198	$19,352	$3,258	$16,094	$1,802,573
17	199	$19,352	$3,230	$16,122	$1,786,450
17	200	$19,352	$3,201	$16,151	$1,770,299
17	201	$19,352	$3,172	$16,180	$1,754,119
17	202	$19,352	$3,143	$16,209	$1,737,910
17	203	$19,352	$3,114	$16,238	$1,721,671
17	204	$19,352	$3,085	$16,267	$1,705,404
18	205	$19,352	$3,056	$16,297	$1,689,108
18	206	$19,352	$3,026	$16,326	$1,672,782
18	207	$19,352	$2,997	$16,355	$1,656,427
18	208	$19,352	$2,968	$16,384	$1,640,043
18	209	$19,352	$2,938	$16,414	$1,623,629
18	210	$19,352	$2,909	$16,443	$1,607,186
18	211	$19,352	$2,880	$16,472	$1,590,713
18	212	$19,352	$2,850	$16,502	$1,574,211
18	213	$19,352	$2,820	$16,532	$1,557,680
18	214	$19,352	$2,791	$16,561	$1,541,119
18	215	$19,352	$2,761	$16,591	$1,524,528
18	216	$19,352	$2,731	$16,621	$1,507,907
19	217	$19,352	$2,702	$16,650	$1,491,257
19	218	$19,352	$2,672	$16,680	$1,474,577
19	219	$19,352	$2,642	$16,710	$1,457,867
19	220	$19,352	$2,612	$16,740	$1,441,127
19	221	$19,352	$2,582	$16,770	$1,424,357
19	222	$19,352	$2,552	$16,800	$1,407,557
19	223	$19,352	$2,522	$16,830	$1,390,726
19	224	$19,352	$2,492	$16,860	$1,373,866
19	225	$19,352	$2,462	$16,891	$1,356,976
19	226	$19,352	$2,431	$16,921	$1,340,055
19	227	$19,352	$2,401	$16,951	$1,323,104
19	228	$19,352	$2,371	$16,981	$1,306,122
20	229	$19,352	$2,340	$17,012	$1,289,110
20	230	$19,352	$2,310	$17,042	$1,272,068
20	231	$19,352	$2,279	$17,073	$1,254,995
20	232	$19,352	$2,249	$17,103	$1,237,892
20	233	$19,352	$2,218	$17,134	$1,220,757
20	234	$19,352	$2,187	$17,165	$1,203,593
20	235	$19,352	$2,156	$17,196	$1,186,397
20	236	$19,352	$2,126	$17,226	$1,169,171
20	237	$19,352	$2,095	$17,257	$1,151,913
20	238	$19,352	$2,064	$17,288	$1,134,625
20	239	$19,352	$2,033	$17,319	$1,117,306
20	240	$19,352	$2,002	$17,350	$1,099,956
21	241	$19,352	$1,971	$17,381	$1,082,575
21	242	$19,352	$1,940	$17,412	$1,065,162
21	243	$19,352	$1,908	$17,444	$1,047,719
21	244	$19,352	$1,877	$17,475	$1,030,244
21	245	$19,352	$1,846	$17,506	$1,012,737
21	246	$19,352	$1,814	$17,538	$995,200
21	247	$19,352	$1,783	$17,569	$977,631
21	248	$19,352	$1,752	$17,600	$960,031
21	249	$19,352	$1,720	$17,632	$942,399
21	250	$19,352	$1,688	$17,664	$924,735
21	251	$19,352	$1,657	$17,695	$907,040
21	252	$19,352	$1,625	$17,727	$889,313
22	253	$19,352	$1,593	$17,759	$871,554
22	254	$19,352	$1,562	$17,790	$853,764
22	255	$19,352	$1,530	$17,822	$835,941
22	256	$19,352	$1,498	$17,854	$818,087
22	257	$19,352	$1,466	$17,886	$800,201
22	258	$19,352	$1,434	$17,918	$782,282
22	259	$19,352	$1,402	$17,950	$764,332
22	260	$19,352	$1,369	$17,983	$746,349
22	261	$19,352	$1,337	$18,015	$728,335
22	262	$19,352	$1,305	$18,047	$710,287
22	263	$19,352	$1,273	$18,079	$692,208
22	264	$19,352	$1,240	$18,112	$674,096
23	265	$19,352	$1,208	$18,144	$655,952
23	266	$19,352	$1,175	$18,177	$637,775
23	267	$19,352	$1,143	$18,209	$619,566
23	268	$19,352	$1,110	$18,242	$601,324
23	269	$19,352	$1,077	$18,275	$583,049
23	270	$19,352	$1,045	$18,307	$564,742
23	271	$19,352	$1,012	$18,340	$546,402
23	272	$19,352	$979	$18,373	$528,029
23	273	$19,352	$946	$18,406	$509,623
23	274	$19,352	$913	$18,439	$491,184
23	275	$19,352	$880	$18,472	$472,712
23	276	$19,352	$847	$18,505	$454,207
24	277	$19,352	$814	$18,538	$435,668
24	278	$19,352	$781	$18,571	$417,097
24	279	$19,352	$747	$18,605	$398,492
24	280	$19,352	$714	$18,638	$379,854
24	281	$19,352	$681	$18,671	$361,183
24	282	$19,352	$647	$18,705	$342,478
24	283	$19,352	$614	$18,738	$323,739
24	284	$19,352	$580	$18,772	$304,967
24	285	$19,352	$546	$18,806	$286,162
24	286	$19,352	$513	$18,839	$267,322
24	287	$19,352	$479	$18,873	$248,449
24	288	$19,352	$445	$18,907	$229,542
25	289	$19,352	$411	$18,941	$210,602
25	290	$19,352	$377	$18,975	$191,627
25	291	$19,352	$343	$19,009	$172,618
25	292	$19,352	$309	$19,043	$153,575
25	293	$19,352	$275	$19,077	$134,499
25	294	$19,352	$241	$19,111	$115,388
25	295	$19,352	$207	$19,145	$96,242
25	296	$19,352	$172	$19,180	$77,063
25	297	$19,352	$138	$19,214	$57,849
25	298	$19,352	$104	$19,248	$38,600
25	299	$19,352	$69	$19,283	$19,317
25	300	$19,352	$35	$19,317	$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$ 2,992,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,066,800

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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.