Century 21 Centaland Property

Down Payment (HKD)

$5,060,000

Monthly Repayment (HKD)

$32,728

Loan Amount (HKD)

$7,590,000

Total Interest (HKD)

$2,228,308

Total Repayment (HKD)

$9,818,308

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$32,728	$13,599	$19,129	$7,570,871
1	2	$32,728	$13,564	$19,163	$7,551,708
1	3	$32,728	$13,530	$19,198	$7,532,510
1	4	$32,728	$13,496	$19,232	$7,513,278
1	5	$32,728	$13,461	$19,266	$7,494,012
1	6	$32,728	$13,427	$19,301	$7,474,711
1	7	$32,728	$13,392	$19,336	$7,455,376
1	8	$32,728	$13,358	$19,370	$7,436,005
1	9	$32,728	$13,323	$19,405	$7,416,601
1	10	$32,728	$13,288	$19,440	$7,397,161
1	11	$32,728	$13,253	$19,474	$7,377,686
1	12	$32,728	$13,218	$19,509	$7,358,177
2	13	$32,728	$13,183	$19,544	$7,338,633
2	14	$32,728	$13,148	$19,579	$7,319,054
2	15	$32,728	$13,113	$19,614	$7,299,439
2	16	$32,728	$13,078	$19,650	$7,279,790
2	17	$32,728	$13,043	$19,685	$7,260,105
2	18	$32,728	$13,008	$19,720	$7,240,385
2	19	$32,728	$12,972	$19,755	$7,220,630
2	20	$32,728	$12,937	$19,791	$7,200,839
2	21	$32,728	$12,902	$19,826	$7,181,013
2	22	$32,728	$12,866	$19,862	$7,161,151
2	23	$32,728	$12,830	$19,897	$7,141,254
2	24	$32,728	$12,795	$19,933	$7,121,321
3	25	$32,728	$12,759	$19,969	$7,101,352
3	26	$32,728	$12,723	$20,004	$7,081,348
3	27	$32,728	$12,687	$20,040	$7,061,307
3	28	$32,728	$12,652	$20,076	$7,041,231
3	29	$32,728	$12,616	$20,112	$7,021,119
3	30	$32,728	$12,580	$20,148	$7,000,971
3	31	$32,728	$12,543	$20,184	$6,980,786
3	32	$32,728	$12,507	$20,220	$6,960,566
3	33	$32,728	$12,471	$20,257	$6,940,309
3	34	$32,728	$12,435	$20,293	$6,920,016
3	35	$32,728	$12,398	$20,329	$6,899,687
3	36	$32,728	$12,362	$20,366	$6,879,321
4	37	$32,728	$12,325	$20,402	$6,858,919
4	38	$32,728	$12,289	$20,439	$6,838,480
4	39	$32,728	$12,252	$20,475	$6,818,005
4	40	$32,728	$12,216	$20,512	$6,797,493
4	41	$32,728	$12,179	$20,549	$6,776,944
4	42	$32,728	$12,142	$20,586	$6,756,358
4	43	$32,728	$12,105	$20,623	$6,735,736
4	44	$32,728	$12,068	$20,660	$6,715,076
4	45	$32,728	$12,031	$20,697	$6,694,380
4	46	$32,728	$11,994	$20,734	$6,673,646
4	47	$32,728	$11,957	$20,771	$6,652,875
4	48	$32,728	$11,920	$20,808	$6,632,067
5	49	$32,728	$11,882	$20,845	$6,611,222
5	50	$32,728	$11,845	$20,883	$6,590,339
5	51	$32,728	$11,808	$20,920	$6,569,419
5	52	$32,728	$11,770	$20,957	$6,548,462
5	53	$32,728	$11,733	$20,995	$6,527,467
5	54	$32,728	$11,695	$21,033	$6,506,434
5	55	$32,728	$11,657	$21,070	$6,485,364
5	56	$32,728	$11,620	$21,108	$6,464,256
5	57	$32,728	$11,582	$21,146	$6,443,110
5	58	$32,728	$11,544	$21,184	$6,421,926
5	59	$32,728	$11,506	$21,222	$6,400,704
5	60	$32,728	$11,468	$21,260	$6,379,445
6	61	$32,728	$11,430	$21,298	$6,358,147
6	62	$32,728	$11,392	$21,336	$6,336,811
6	63	$32,728	$11,353	$21,374	$6,315,437
6	64	$32,728	$11,315	$21,413	$6,294,024
6	65	$32,728	$11,277	$21,451	$6,272,573
6	66	$32,728	$11,238	$21,489	$6,251,084
6	67	$32,728	$11,200	$21,528	$6,229,556
6	68	$32,728	$11,161	$21,566	$6,207,990
6	69	$32,728	$11,123	$21,605	$6,186,385
6	70	$32,728	$11,084	$21,644	$6,164,741
6	71	$32,728	$11,045	$21,683	$6,143,058
6	72	$32,728	$11,006	$21,721	$6,121,337
7	73	$32,728	$10,967	$21,760	$6,099,577
7	74	$32,728	$10,928	$21,799	$6,077,777
7	75	$32,728	$10,889	$21,838	$6,055,939
7	76	$32,728	$10,850	$21,877	$6,034,061
7	77	$32,728	$10,811	$21,917	$6,012,145
7	78	$32,728	$10,772	$21,956	$5,990,189
7	79	$32,728	$10,732	$21,995	$5,968,194
7	80	$32,728	$10,693	$22,035	$5,946,159
7	81	$32,728	$10,654	$22,074	$5,924,085
7	82	$32,728	$10,614	$22,114	$5,901,971
7	83	$32,728	$10,574	$22,153	$5,879,818
7	84	$32,728	$10,535	$22,193	$5,857,625
8	85	$32,728	$10,495	$22,233	$5,835,392
8	86	$32,728	$10,455	$22,273	$5,813,119
8	87	$32,728	$10,415	$22,313	$5,790,807
8	88	$32,728	$10,375	$22,352	$5,768,454
8	89	$32,728	$10,335	$22,393	$5,746,062
8	90	$32,728	$10,295	$22,433	$5,723,629
8	91	$32,728	$10,255	$22,473	$5,701,156
8	92	$32,728	$10,215	$22,513	$5,678,643
8	93	$32,728	$10,174	$22,553	$5,656,090
8	94	$32,728	$10,134	$22,594	$5,633,496
8	95	$32,728	$10,093	$22,634	$5,610,861
8	96	$32,728	$10,053	$22,675	$5,588,187
9	97	$32,728	$10,012	$22,716	$5,565,471
9	98	$32,728	$9,971	$22,756	$5,542,715
9	99	$32,728	$9,931	$22,797	$5,519,918
9	100	$32,728	$9,890	$22,838	$5,497,080
9	101	$32,728	$9,849	$22,879	$5,474,201
9	102	$32,728	$9,808	$22,920	$5,451,281
9	103	$32,728	$9,767	$22,961	$5,428,321
9	104	$32,728	$9,726	$23,002	$5,405,319
9	105	$32,728	$9,685	$23,043	$5,382,276
9	106	$32,728	$9,643	$23,084	$5,359,191
9	107	$32,728	$9,602	$23,126	$5,336,065
9	108	$32,728	$9,560	$23,167	$5,312,898
10	109	$32,728	$9,519	$23,209	$5,289,689
10	110	$32,728	$9,477	$23,250	$5,266,439
10	111	$32,728	$9,436	$23,292	$5,243,147
10	112	$32,728	$9,394	$23,334	$5,219,813
10	113	$32,728	$9,352	$23,376	$5,196,438
10	114	$32,728	$9,310	$23,417	$5,173,020
10	115	$32,728	$9,268	$23,459	$5,149,561
10	116	$32,728	$9,226	$23,501	$5,126,060
10	117	$32,728	$9,184	$23,544	$5,102,516
10	118	$32,728	$9,142	$23,586	$5,078,930
10	119	$32,728	$9,100	$23,628	$5,055,302
10	120	$32,728	$9,057	$23,670	$5,031,632
11	121	$32,728	$9,015	$23,713	$5,007,919
11	122	$32,728	$8,973	$23,755	$4,984,164
11	123	$32,728	$8,930	$23,798	$4,960,367
11	124	$32,728	$8,887	$23,840	$4,936,526
11	125	$32,728	$8,845	$23,883	$4,912,643
11	126	$32,728	$8,802	$23,926	$4,888,717
11	127	$32,728	$8,759	$23,969	$4,864,748
11	128	$32,728	$8,716	$24,012	$4,840,737
11	129	$32,728	$8,673	$24,055	$4,816,682
11	130	$32,728	$8,630	$24,098	$4,792,584
11	131	$32,728	$8,587	$24,141	$4,768,443
11	132	$32,728	$8,543	$24,184	$4,744,259
12	133	$32,728	$8,500	$24,228	$4,720,031
12	134	$32,728	$8,457	$24,271	$4,695,760
12	135	$32,728	$8,413	$24,314	$4,671,446
12	136	$32,728	$8,370	$24,358	$4,647,088
12	137	$32,728	$8,326	$24,402	$4,622,686
12	138	$32,728	$8,282	$24,445	$4,598,241
12	139	$32,728	$8,239	$24,489	$4,573,752
12	140	$32,728	$8,195	$24,533	$4,549,219
12	141	$32,728	$8,151	$24,577	$4,524,642
12	142	$32,728	$8,107	$24,621	$4,500,021
12	143	$32,728	$8,063	$24,665	$4,475,356
12	144	$32,728	$8,018	$24,709	$4,450,646
13	145	$32,728	$7,974	$24,754	$4,425,893
13	146	$32,728	$7,930	$24,798	$4,401,095
13	147	$32,728	$7,885	$24,842	$4,376,252
13	148	$32,728	$7,841	$24,887	$4,351,365
13	149	$32,728	$7,796	$24,931	$4,326,434
13	150	$32,728	$7,752	$24,976	$4,301,458
13	151	$32,728	$7,707	$25,021	$4,276,437
13	152	$32,728	$7,662	$25,066	$4,251,371
13	153	$32,728	$7,617	$25,111	$4,226,260
13	154	$32,728	$7,572	$25,156	$4,201,105
13	155	$32,728	$7,527	$25,201	$4,175,904
13	156	$32,728	$7,482	$25,246	$4,150,658
14	157	$32,728	$7,437	$25,291	$4,125,367
14	158	$32,728	$7,391	$25,336	$4,100,031
14	159	$32,728	$7,346	$25,382	$4,074,649
14	160	$32,728	$7,300	$25,427	$4,049,222
14	161	$32,728	$7,255	$25,473	$4,023,749
14	162	$32,728	$7,209	$25,518	$3,998,230
14	163	$32,728	$7,163	$25,564	$3,972,666
14	164	$32,728	$7,118	$25,610	$3,947,056
14	165	$32,728	$7,072	$25,656	$3,921,400
14	166	$32,728	$7,026	$25,702	$3,895,698
14	167	$32,728	$6,980	$25,748	$3,869,950
14	168	$32,728	$6,934	$25,794	$3,844,156
15	169	$32,728	$6,887	$25,840	$3,818,316
15	170	$32,728	$6,841	$25,887	$3,792,430
15	171	$32,728	$6,795	$25,933	$3,766,497
15	172	$32,728	$6,748	$25,979	$3,740,517
15	173	$32,728	$6,702	$26,026	$3,714,491
15	174	$32,728	$6,655	$26,073	$3,688,419
15	175	$32,728	$6,608	$26,119	$3,662,299
15	176	$32,728	$6,562	$26,166	$3,636,133
15	177	$32,728	$6,515	$26,213	$3,609,920
15	178	$32,728	$6,468	$26,260	$3,583,660
15	179	$32,728	$6,421	$26,307	$3,557,354
15	180	$32,728	$6,374	$26,354	$3,530,999
16	181	$32,728	$6,326	$26,401	$3,504,598
16	182	$32,728	$6,279	$26,449	$3,478,149
16	183	$32,728	$6,232	$26,496	$3,451,653
16	184	$32,728	$6,184	$26,543	$3,425,110
16	185	$32,728	$6,137	$26,591	$3,398,519
16	186	$32,728	$6,089	$26,639	$3,371,880
16	187	$32,728	$6,041	$26,686	$3,345,194
16	188	$32,728	$5,993	$26,734	$3,318,460
16	189	$32,728	$5,946	$26,782	$3,291,678
16	190	$32,728	$5,898	$26,830	$3,264,847
16	191	$32,728	$5,850	$26,878	$3,237,969
16	192	$32,728	$5,801	$26,926	$3,211,043
17	193	$32,728	$5,753	$26,975	$3,184,068
17	194	$32,728	$5,705	$27,023	$3,157,045
17	195	$32,728	$5,656	$27,071	$3,129,974
17	196	$32,728	$5,608	$27,120	$3,102,854
17	197	$32,728	$5,559	$27,168	$3,075,686
17	198	$32,728	$5,511	$27,217	$3,048,469
17	199	$32,728	$5,462	$27,266	$3,021,203
17	200	$32,728	$5,413	$27,315	$2,993,888
17	201	$32,728	$5,364	$27,364	$2,966,525
17	202	$32,728	$5,315	$27,413	$2,939,112
17	203	$32,728	$5,266	$27,462	$2,911,650
17	204	$32,728	$5,217	$27,511	$2,884,139
18	205	$32,728	$5,167	$27,560	$2,856,579
18	206	$32,728	$5,118	$27,610	$2,828,969
18	207	$32,728	$5,069	$27,659	$2,801,310
18	208	$32,728	$5,019	$27,709	$2,773,601
18	209	$32,728	$4,969	$27,758	$2,745,843
18	210	$32,728	$4,920	$27,808	$2,718,035
18	211	$32,728	$4,870	$27,858	$2,690,177
18	212	$32,728	$4,820	$27,908	$2,662,269
18	213	$32,728	$4,770	$27,958	$2,634,312
18	214	$32,728	$4,720	$28,008	$2,606,304
18	215	$32,728	$4,670	$28,058	$2,578,246
18	216	$32,728	$4,619	$28,108	$2,550,137
19	217	$32,728	$4,569	$28,159	$2,521,979
19	218	$32,728	$4,519	$28,209	$2,493,769
19	219	$32,728	$4,468	$28,260	$2,465,510
19	220	$32,728	$4,417	$28,310	$2,437,199
19	221	$32,728	$4,367	$28,361	$2,408,838
19	222	$32,728	$4,316	$28,412	$2,380,427
19	223	$32,728	$4,265	$28,463	$2,351,964
19	224	$32,728	$4,214	$28,514	$2,323,450
19	225	$32,728	$4,163	$28,565	$2,294,885
19	226	$32,728	$4,112	$28,616	$2,266,269
19	227	$32,728	$4,060	$28,667	$2,237,602
19	228	$32,728	$4,009	$28,719	$2,208,883
20	229	$32,728	$3,958	$28,770	$2,180,113
20	230	$32,728	$3,906	$28,822	$2,151,291
20	231	$32,728	$3,854	$28,873	$2,122,418
20	232	$32,728	$3,803	$28,925	$2,093,493
20	233	$32,728	$3,751	$28,977	$2,064,516
20	234	$32,728	$3,699	$29,029	$2,035,487
20	235	$32,728	$3,647	$29,081	$2,006,407
20	236	$32,728	$3,595	$29,133	$1,977,274
20	237	$32,728	$3,543	$29,185	$1,948,089
20	238	$32,728	$3,490	$29,237	$1,918,851
20	239	$32,728	$3,438	$29,290	$1,889,562
20	240	$32,728	$3,385	$29,342	$1,860,219
21	241	$32,728	$3,333	$29,395	$1,830,825
21	242	$32,728	$3,280	$29,447	$1,801,377
21	243	$32,728	$3,227	$29,500	$1,771,877
21	244	$32,728	$3,175	$29,553	$1,742,324
21	245	$32,728	$3,122	$29,606	$1,712,718
21	246	$32,728	$3,069	$29,659	$1,683,059
21	247	$32,728	$3,015	$29,712	$1,653,346
21	248	$32,728	$2,962	$29,765	$1,623,581
21	249	$32,728	$2,909	$29,819	$1,593,762
21	250	$32,728	$2,855	$29,872	$1,563,890
21	251	$32,728	$2,802	$29,926	$1,533,964
21	252	$32,728	$2,748	$29,979	$1,503,985
22	253	$32,728	$2,695	$30,033	$1,473,952
22	254	$32,728	$2,641	$30,087	$1,443,865
22	255	$32,728	$2,587	$30,141	$1,413,724
22	256	$32,728	$2,533	$30,195	$1,383,530
22	257	$32,728	$2,479	$30,249	$1,353,281
22	258	$32,728	$2,425	$30,303	$1,322,978
22	259	$32,728	$2,370	$30,357	$1,292,620
22	260	$32,728	$2,316	$30,412	$1,262,208
22	261	$32,728	$2,261	$30,466	$1,231,742
22	262	$32,728	$2,207	$30,521	$1,201,221
22	263	$32,728	$2,152	$30,576	$1,170,646
22	264	$32,728	$2,097	$30,630	$1,140,016
23	265	$32,728	$2,043	$30,685	$1,109,330
23	266	$32,728	$1,988	$30,740	$1,078,590
23	267	$32,728	$1,932	$30,795	$1,047,795
23	268	$32,728	$1,877	$30,850	$1,016,945
23	269	$32,728	$1,822	$30,906	$986,039
23	270	$32,728	$1,767	$30,961	$955,078
23	271	$32,728	$1,711	$31,017	$924,062
23	272	$32,728	$1,656	$31,072	$892,989
23	273	$32,728	$1,600	$31,128	$861,862
23	274	$32,728	$1,544	$31,184	$830,678
23	275	$32,728	$1,488	$31,239	$799,439
23	276	$32,728	$1,432	$31,295	$768,143
24	277	$32,728	$1,376	$31,351	$736,792
24	278	$32,728	$1,320	$31,408	$705,384
24	279	$32,728	$1,264	$31,464	$673,920
24	280	$32,728	$1,207	$31,520	$642,400
24	281	$32,728	$1,151	$31,577	$610,823
24	282	$32,728	$1,094	$31,633	$579,190
24	283	$32,728	$1,038	$31,690	$547,500
24	284	$32,728	$981	$31,747	$515,753
24	285	$32,728	$924	$31,804	$483,950
24	286	$32,728	$867	$31,861	$452,089
24	287	$32,728	$810	$31,918	$420,171
24	288	$32,728	$753	$31,975	$388,197
25	289	$32,728	$696	$32,032	$356,164
25	290	$32,728	$638	$32,090	$324,075
25	291	$32,728	$581	$32,147	$291,928
25	292	$32,728	$523	$32,205	$259,723
25	293	$32,728	$465	$32,262	$227,461
25	294	$32,728	$408	$32,320	$195,141
25	295	$32,728	$350	$32,378	$162,763
25	296	$32,728	$292	$32,436	$130,326
25	297	$32,728	$234	$32,494	$97,832
25	298	$32,728	$175	$32,552	$65,280
25	299	$32,728	$117	$32,611	$32,669
25	300	$32,728	$59	$32,669	$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$ 5,060,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,186,500

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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.