Century 21 Centaland Property

Down Payment (HKD)

$3,080,000

Monthly Repayment (HKD)

$19,921

Loan Amount (HKD)

$4,620,000

Total Interest (HKD)

$1,356,361

Total Repayment (HKD)

$5,976,361

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$19,921	$8,278	$11,644	$4,608,356
1	2	$19,921	$8,257	$11,665	$4,596,692
1	3	$19,921	$8,236	$11,685	$4,585,006
1	4	$19,921	$8,215	$11,706	$4,573,300
1	5	$19,921	$8,194	$11,727	$4,561,572
1	6	$19,921	$8,173	$11,748	$4,549,824
1	7	$19,921	$8,152	$11,769	$4,538,055
1	8	$19,921	$8,131	$11,791	$4,526,264
1	9	$19,921	$8,110	$11,812	$4,514,452
1	10	$19,921	$8,088	$11,833	$4,502,620
1	11	$19,921	$8,067	$11,854	$4,490,766
1	12	$19,921	$8,046	$11,875	$4,478,890
2	13	$19,921	$8,025	$11,897	$4,466,994
2	14	$19,921	$8,003	$11,918	$4,455,076
2	15	$19,921	$7,982	$11,939	$4,443,137
2	16	$19,921	$7,961	$11,961	$4,431,176
2	17	$19,921	$7,939	$11,982	$4,419,194
2	18	$19,921	$7,918	$12,003	$4,407,191
2	19	$19,921	$7,896	$12,025	$4,395,166
2	20	$19,921	$7,875	$12,047	$4,383,119
2	21	$19,921	$7,853	$12,068	$4,371,051
2	22	$19,921	$7,831	$12,090	$4,358,961
2	23	$19,921	$7,810	$12,111	$4,346,850
2	24	$19,921	$7,788	$12,133	$4,334,717
3	25	$19,921	$7,766	$12,155	$4,322,562
3	26	$19,921	$7,745	$12,177	$4,310,385
3	27	$19,921	$7,723	$12,198	$4,298,187
3	28	$19,921	$7,701	$12,220	$4,285,967
3	29	$19,921	$7,679	$12,242	$4,273,725
3	30	$19,921	$7,657	$12,264	$4,261,460
3	31	$19,921	$7,635	$12,286	$4,249,174
3	32	$19,921	$7,613	$12,308	$4,236,866
3	33	$19,921	$7,591	$12,330	$4,224,536
3	34	$19,921	$7,569	$12,352	$4,212,184
3	35	$19,921	$7,547	$12,374	$4,199,809
3	36	$19,921	$7,525	$12,397	$4,187,413
4	37	$19,921	$7,502	$12,419	$4,174,994
4	38	$19,921	$7,480	$12,441	$4,162,553
4	39	$19,921	$7,458	$12,463	$4,150,090
4	40	$19,921	$7,436	$12,486	$4,137,604
4	41	$19,921	$7,413	$12,508	$4,125,096
4	42	$19,921	$7,391	$12,530	$4,112,566
4	43	$19,921	$7,368	$12,553	$4,100,013
4	44	$19,921	$7,346	$12,575	$4,087,438
4	45	$19,921	$7,323	$12,598	$4,074,840
4	46	$19,921	$7,301	$12,620	$4,062,219
4	47	$19,921	$7,278	$12,643	$4,049,576
4	48	$19,921	$7,255	$12,666	$4,036,911
5	49	$19,921	$7,233	$12,688	$4,024,222
5	50	$19,921	$7,210	$12,711	$4,011,511
5	51	$19,921	$7,187	$12,734	$3,998,777
5	52	$19,921	$7,164	$12,757	$3,986,020
5	53	$19,921	$7,142	$12,780	$3,973,241
5	54	$19,921	$7,119	$12,802	$3,960,438
5	55	$19,921	$7,096	$12,825	$3,947,613
5	56	$19,921	$7,073	$12,848	$3,934,764
5	57	$19,921	$7,050	$12,871	$3,921,893
5	58	$19,921	$7,027	$12,894	$3,908,999
5	59	$19,921	$7,004	$12,918	$3,896,081
5	60	$19,921	$6,980	$12,941	$3,883,140
6	61	$19,921	$6,957	$12,964	$3,870,176
6	62	$19,921	$6,934	$12,987	$3,857,189
6	63	$19,921	$6,911	$13,010	$3,844,179
6	64	$19,921	$6,887	$13,034	$3,831,145
6	65	$19,921	$6,864	$13,057	$3,818,088
6	66	$19,921	$6,841	$13,080	$3,805,008
6	67	$19,921	$6,817	$13,104	$3,791,904
6	68	$19,921	$6,794	$13,127	$3,778,776
6	69	$19,921	$6,770	$13,151	$3,765,625
6	70	$19,921	$6,747	$13,174	$3,752,451
6	71	$19,921	$6,723	$13,198	$3,739,253
6	72	$19,921	$6,699	$13,222	$3,726,031
7	73	$19,921	$6,676	$13,245	$3,712,786
7	74	$19,921	$6,652	$13,269	$3,699,517
7	75	$19,921	$6,628	$13,293	$3,686,224
7	76	$19,921	$6,604	$13,317	$3,672,907
7	77	$19,921	$6,581	$13,341	$3,659,566
7	78	$19,921	$6,557	$13,364	$3,646,202
7	79	$19,921	$6,533	$13,388	$3,632,813
7	80	$19,921	$6,509	$13,412	$3,619,401
7	81	$19,921	$6,485	$13,436	$3,605,965
7	82	$19,921	$6,461	$13,461	$3,592,504
7	83	$19,921	$6,437	$13,485	$3,579,019
7	84	$19,921	$6,412	$13,509	$3,565,511
8	85	$19,921	$6,388	$13,533	$3,551,978
8	86	$19,921	$6,364	$13,557	$3,538,420
8	87	$19,921	$6,340	$13,582	$3,524,839
8	88	$19,921	$6,315	$13,606	$3,511,233
8	89	$19,921	$6,291	$13,630	$3,497,603
8	90	$19,921	$6,267	$13,655	$3,483,948
8	91	$19,921	$6,242	$13,679	$3,470,269
8	92	$19,921	$6,218	$13,704	$3,456,565
8	93	$19,921	$6,193	$13,728	$3,442,837
8	94	$19,921	$6,168	$13,753	$3,429,084
8	95	$19,921	$6,144	$13,777	$3,415,307
8	96	$19,921	$6,119	$13,802	$3,401,505
9	97	$19,921	$6,094	$13,827	$3,387,678
9	98	$19,921	$6,070	$13,852	$3,373,826
9	99	$19,921	$6,045	$13,876	$3,359,950
9	100	$19,921	$6,020	$13,901	$3,346,049
9	101	$19,921	$5,995	$13,926	$3,332,122
9	102	$19,921	$5,970	$13,951	$3,318,171
9	103	$19,921	$5,945	$13,976	$3,304,195
9	104	$19,921	$5,920	$14,001	$3,290,194
9	105	$19,921	$5,895	$14,026	$3,276,168
9	106	$19,921	$5,870	$14,051	$3,262,116
9	107	$19,921	$5,845	$14,077	$3,248,040
9	108	$19,921	$5,819	$14,102	$3,233,938
10	109	$19,921	$5,794	$14,127	$3,219,811
10	110	$19,921	$5,769	$14,152	$3,205,658
10	111	$19,921	$5,743	$14,178	$3,191,481
10	112	$19,921	$5,718	$14,203	$3,177,278
10	113	$19,921	$5,693	$14,229	$3,163,049
10	114	$19,921	$5,667	$14,254	$3,148,795
10	115	$19,921	$5,642	$14,280	$3,134,515
10	116	$19,921	$5,616	$14,305	$3,120,210
10	117	$19,921	$5,590	$14,331	$3,105,879
10	118	$19,921	$5,565	$14,357	$3,091,523
10	119	$19,921	$5,539	$14,382	$3,077,141
10	120	$19,921	$5,513	$14,408	$3,062,733
11	121	$19,921	$5,487	$14,434	$3,048,299
11	122	$19,921	$5,462	$14,460	$3,033,839
11	123	$19,921	$5,436	$14,486	$3,019,354
11	124	$19,921	$5,410	$14,512	$3,004,842
11	125	$19,921	$5,384	$14,538	$2,990,304
11	126	$19,921	$5,358	$14,564	$2,975,741
11	127	$19,921	$5,332	$14,590	$2,961,151
11	128	$19,921	$5,305	$14,616	$2,946,535
11	129	$19,921	$5,279	$14,642	$2,931,893
11	130	$19,921	$5,253	$14,668	$2,917,225
11	131	$19,921	$5,227	$14,695	$2,902,531
11	132	$19,921	$5,200	$14,721	$2,887,810
12	133	$19,921	$5,174	$14,747	$2,873,063
12	134	$19,921	$5,148	$14,774	$2,858,289
12	135	$19,921	$5,121	$14,800	$2,843,489
12	136	$19,921	$5,095	$14,827	$2,828,662
12	137	$19,921	$5,068	$14,853	$2,813,809
12	138	$19,921	$5,041	$14,880	$2,798,929
12	139	$19,921	$5,015	$14,906	$2,784,023
12	140	$19,921	$4,988	$14,933	$2,769,090
12	141	$19,921	$4,961	$14,960	$2,754,130
12	142	$19,921	$4,934	$14,987	$2,739,143
12	143	$19,921	$4,908	$15,014	$2,724,129
12	144	$19,921	$4,881	$15,040	$2,709,089
13	145	$19,921	$4,854	$15,067	$2,694,022
13	146	$19,921	$4,827	$15,094	$2,678,927
13	147	$19,921	$4,800	$15,121	$2,663,806
13	148	$19,921	$4,773	$15,149	$2,648,657
13	149	$19,921	$4,746	$15,176	$2,633,481
13	150	$19,921	$4,718	$15,203	$2,618,279
13	151	$19,921	$4,691	$15,230	$2,603,048
13	152	$19,921	$4,664	$15,257	$2,587,791
13	153	$19,921	$4,636	$15,285	$2,572,506
13	154	$19,921	$4,609	$15,312	$2,557,194
13	155	$19,921	$4,582	$15,340	$2,541,855
13	156	$19,921	$4,554	$15,367	$2,526,488
14	157	$19,921	$4,527	$15,395	$2,511,093
14	158	$19,921	$4,499	$15,422	$2,495,671
14	159	$19,921	$4,471	$15,450	$2,480,221
14	160	$19,921	$4,444	$15,477	$2,464,744
14	161	$19,921	$4,416	$15,505	$2,449,238
14	162	$19,921	$4,388	$15,533	$2,433,705
14	163	$19,921	$4,360	$15,561	$2,418,145
14	164	$19,921	$4,333	$15,589	$2,402,556
14	165	$19,921	$4,305	$15,617	$2,386,939
14	166	$19,921	$4,277	$15,645	$2,371,295
14	167	$19,921	$4,249	$15,673	$2,355,622
14	168	$19,921	$4,220	$15,701	$2,339,921
15	169	$19,921	$4,192	$15,729	$2,324,192
15	170	$19,921	$4,164	$15,757	$2,308,435
15	171	$19,921	$4,136	$15,785	$2,292,650
15	172	$19,921	$4,108	$15,814	$2,276,837
15	173	$19,921	$4,079	$15,842	$2,260,995
15	174	$19,921	$4,051	$15,870	$2,245,124
15	175	$19,921	$4,023	$15,899	$2,229,226
15	176	$19,921	$3,994	$15,927	$2,213,299
15	177	$19,921	$3,965	$15,956	$2,197,343
15	178	$19,921	$3,937	$15,984	$2,181,359
15	179	$19,921	$3,908	$16,013	$2,165,346
15	180	$19,921	$3,880	$16,042	$2,149,304
16	181	$19,921	$3,851	$16,070	$2,133,234
16	182	$19,921	$3,822	$16,099	$2,117,134
16	183	$19,921	$3,793	$16,128	$2,101,006
16	184	$19,921	$3,764	$16,157	$2,084,850
16	185	$19,921	$3,735	$16,186	$2,068,664
16	186	$19,921	$3,706	$16,215	$2,052,449
16	187	$19,921	$3,677	$16,244	$2,036,205
16	188	$19,921	$3,648	$16,273	$2,019,932
16	189	$19,921	$3,619	$16,302	$2,003,630
16	190	$19,921	$3,590	$16,331	$1,987,298
16	191	$19,921	$3,561	$16,361	$1,970,938
16	192	$19,921	$3,531	$16,390	$1,954,548
17	193	$19,921	$3,502	$16,419	$1,938,129
17	194	$19,921	$3,472	$16,449	$1,921,680
17	195	$19,921	$3,443	$16,478	$1,905,202
17	196	$19,921	$3,413	$16,508	$1,888,694
17	197	$19,921	$3,384	$16,537	$1,872,157
17	198	$19,921	$3,354	$16,567	$1,855,590
17	199	$19,921	$3,325	$16,597	$1,838,993
17	200	$19,921	$3,295	$16,626	$1,822,367
17	201	$19,921	$3,265	$16,656	$1,805,711
17	202	$19,921	$3,235	$16,686	$1,789,025
17	203	$19,921	$3,205	$16,716	$1,772,309
17	204	$19,921	$3,175	$16,746	$1,755,563
18	205	$19,921	$3,145	$16,776	$1,738,787
18	206	$19,921	$3,115	$16,806	$1,721,981
18	207	$19,921	$3,085	$16,836	$1,705,145
18	208	$19,921	$3,055	$16,866	$1,688,279
18	209	$19,921	$3,025	$16,896	$1,671,383
18	210	$19,921	$2,995	$16,927	$1,654,456
18	211	$19,921	$2,964	$16,957	$1,637,499
18	212	$19,921	$2,934	$16,987	$1,620,512
18	213	$19,921	$2,903	$17,018	$1,603,494
18	214	$19,921	$2,873	$17,048	$1,586,446
18	215	$19,921	$2,842	$17,079	$1,569,367
18	216	$19,921	$2,812	$17,109	$1,552,257
19	217	$19,921	$2,781	$17,140	$1,535,117
19	218	$19,921	$2,750	$17,171	$1,517,947
19	219	$19,921	$2,720	$17,202	$1,500,745
19	220	$19,921	$2,689	$17,232	$1,483,513
19	221	$19,921	$2,658	$17,263	$1,466,249
19	222	$19,921	$2,627	$17,294	$1,448,955
19	223	$19,921	$2,596	$17,325	$1,431,630
19	224	$19,921	$2,565	$17,356	$1,414,274
19	225	$19,921	$2,534	$17,387	$1,396,887
19	226	$19,921	$2,503	$17,418	$1,379,468
19	227	$19,921	$2,472	$17,450	$1,362,019
19	228	$19,921	$2,440	$17,481	$1,344,538
20	229	$19,921	$2,409	$17,512	$1,327,025
20	230	$19,921	$2,378	$17,544	$1,309,482
20	231	$19,921	$2,346	$17,575	$1,291,907
20	232	$19,921	$2,315	$17,607	$1,274,300
20	233	$19,921	$2,283	$17,638	$1,256,662
20	234	$19,921	$2,252	$17,670	$1,238,992
20	235	$19,921	$2,220	$17,701	$1,221,291
20	236	$19,921	$2,188	$17,733	$1,203,558
20	237	$19,921	$2,156	$17,765	$1,185,793
20	238	$19,921	$2,125	$17,797	$1,167,996
20	239	$19,921	$2,093	$17,829	$1,150,168
20	240	$19,921	$2,061	$17,860	$1,132,307
21	241	$19,921	$2,029	$17,892	$1,114,415
21	242	$19,921	$1,997	$17,925	$1,096,490
21	243	$19,921	$1,965	$17,957	$1,078,534
21	244	$19,921	$1,932	$17,989	$1,060,545
21	245	$19,921	$1,900	$18,021	$1,042,524
21	246	$19,921	$1,868	$18,053	$1,024,471
21	247	$19,921	$1,836	$18,086	$1,006,385
21	248	$19,921	$1,803	$18,118	$988,267
21	249	$19,921	$1,771	$18,151	$970,116
21	250	$19,921	$1,738	$18,183	$951,933
21	251	$19,921	$1,706	$18,216	$933,717
21	252	$19,921	$1,673	$18,248	$915,469
22	253	$19,921	$1,640	$18,281	$897,188
22	254	$19,921	$1,607	$18,314	$878,874
22	255	$19,921	$1,575	$18,347	$860,528
22	256	$19,921	$1,542	$18,379	$842,148
22	257	$19,921	$1,509	$18,412	$823,736
22	258	$19,921	$1,476	$18,445	$805,291
22	259	$19,921	$1,443	$18,478	$786,812
22	260	$19,921	$1,410	$18,511	$768,301
22	261	$19,921	$1,377	$18,545	$749,756
22	262	$19,921	$1,343	$18,578	$731,178
22	263	$19,921	$1,310	$18,611	$712,567
22	264	$19,921	$1,277	$18,645	$693,923
23	265	$19,921	$1,243	$18,678	$675,245
23	266	$19,921	$1,210	$18,711	$656,533
23	267	$19,921	$1,176	$18,745	$637,788
23	268	$19,921	$1,143	$18,779	$619,010
23	269	$19,921	$1,109	$18,812	$600,198
23	270	$19,921	$1,075	$18,846	$581,352
23	271	$19,921	$1,042	$18,880	$562,472
23	272	$19,921	$1,008	$18,913	$543,559
23	273	$19,921	$974	$18,947	$524,611
23	274	$19,921	$940	$18,981	$505,630
23	275	$19,921	$906	$19,015	$486,615
23	276	$19,921	$872	$19,049	$467,566
24	277	$19,921	$838	$19,083	$448,482
24	278	$19,921	$804	$19,118	$429,364
24	279	$19,921	$769	$19,152	$410,212
24	280	$19,921	$735	$19,186	$391,026
24	281	$19,921	$701	$19,221	$371,806
24	282	$19,921	$666	$19,255	$352,551
24	283	$19,921	$632	$19,290	$333,261
24	284	$19,921	$597	$19,324	$313,937
24	285	$19,921	$562	$19,359	$294,578
24	286	$19,921	$528	$19,393	$275,185
24	287	$19,921	$493	$19,428	$255,757
24	288	$19,921	$458	$19,463	$236,294
25	289	$19,921	$423	$19,498	$216,796
25	290	$19,921	$388	$19,533	$197,263
25	291	$19,921	$353	$19,568	$177,695
25	292	$19,921	$318	$19,603	$158,092
25	293	$19,921	$283	$19,638	$138,454
25	294	$19,921	$248	$19,673	$118,781
25	295	$19,921	$213	$19,708	$99,073
25	296	$19,921	$178	$19,744	$79,329
25	297	$19,921	$142	$19,779	$59,550
25	298	$19,921	$107	$19,815	$39,736
25	299	$19,921	$71	$19,850	$19,886
25	300	$19,921	$36	$19,886	$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$ 3,080,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,157,000

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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.