Century 21 Centaland Property

Down Payment (HKD)

$4,660,000

Monthly Repayment (HKD)

$30,141

Loan Amount (HKD)

$6,990,000

Total Interest (HKD)

$2,052,157

Total Repayment (HKD)

$9,042,157

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$30,141	$12,524	$17,617	$6,972,383
1	2	$30,141	$12,492	$17,648	$6,954,735
1	3	$30,141	$12,461	$17,680	$6,937,055
1	4	$30,141	$12,429	$17,712	$6,919,343
1	5	$30,141	$12,397	$17,743	$6,901,600
1	6	$30,141	$12,365	$17,775	$6,883,825
1	7	$30,141	$12,334	$17,807	$6,866,018
1	8	$30,141	$12,302	$17,839	$6,848,179
1	9	$30,141	$12,270	$17,871	$6,830,308
1	10	$30,141	$12,238	$17,903	$6,812,405
1	11	$30,141	$12,206	$17,935	$6,794,470
1	12	$30,141	$12,173	$17,967	$6,776,503
2	13	$30,141	$12,141	$17,999	$6,758,504
2	14	$30,141	$12,109	$18,032	$6,740,472
2	15	$30,141	$12,077	$18,064	$6,722,408
2	16	$30,141	$12,044	$18,096	$6,704,312
2	17	$30,141	$12,012	$18,129	$6,686,184
2	18	$30,141	$11,979	$18,161	$6,668,022
2	19	$30,141	$11,947	$18,194	$6,649,829
2	20	$30,141	$11,914	$18,226	$6,631,603
2	21	$30,141	$11,882	$18,259	$6,613,344
2	22	$30,141	$11,849	$18,292	$6,595,052
2	23	$30,141	$11,816	$18,324	$6,576,728
2	24	$30,141	$11,783	$18,357	$6,558,370
3	25	$30,141	$11,750	$18,390	$6,539,980
3	26	$30,141	$11,717	$18,423	$6,521,557
3	27	$30,141	$11,684	$18,456	$6,503,101
3	28	$30,141	$11,651	$18,489	$6,484,612
3	29	$30,141	$11,618	$18,522	$6,466,090
3	30	$30,141	$11,585	$18,555	$6,447,534
3	31	$30,141	$11,552	$18,589	$6,428,946
3	32	$30,141	$11,519	$18,622	$6,410,324
3	33	$30,141	$11,485	$18,655	$6,391,668
3	34	$30,141	$11,452	$18,689	$6,372,979
3	35	$30,141	$11,418	$18,722	$6,354,257
3	36	$30,141	$11,385	$18,756	$6,335,501
4	37	$30,141	$11,351	$18,789	$6,316,712
4	38	$30,141	$11,317	$18,823	$6,297,889
4	39	$30,141	$11,284	$18,857	$6,279,032
4	40	$30,141	$11,250	$18,891	$6,260,141
4	41	$30,141	$11,216	$18,924	$6,241,217
4	42	$30,141	$11,182	$18,958	$6,222,259
4	43	$30,141	$11,148	$18,992	$6,203,266
4	44	$30,141	$11,114	$19,026	$6,184,240
4	45	$30,141	$11,080	$19,060	$6,165,180
4	46	$30,141	$11,046	$19,095	$6,146,085
4	47	$30,141	$11,012	$19,129	$6,126,956
4	48	$30,141	$10,977	$19,163	$6,107,793
5	49	$30,141	$10,943	$19,197	$6,088,596
5	50	$30,141	$10,909	$19,232	$6,069,364
5	51	$30,141	$10,874	$19,266	$6,050,098
5	52	$30,141	$10,840	$19,301	$6,030,797
5	53	$30,141	$10,805	$19,335	$6,011,462
5	54	$30,141	$10,771	$19,370	$5,992,092
5	55	$30,141	$10,736	$19,405	$5,972,687
5	56	$30,141	$10,701	$19,439	$5,953,248
5	57	$30,141	$10,666	$19,474	$5,933,773
5	58	$30,141	$10,631	$19,509	$5,914,264
5	59	$30,141	$10,596	$19,544	$5,894,720
5	60	$30,141	$10,561	$19,579	$5,875,141
6	61	$30,141	$10,526	$19,614	$5,855,527
6	62	$30,141	$10,491	$19,649	$5,835,877
6	63	$30,141	$10,456	$19,685	$5,816,193
6	64	$30,141	$10,421	$19,720	$5,796,473
6	65	$30,141	$10,385	$19,755	$5,776,718
6	66	$30,141	$10,350	$19,791	$5,756,927
6	67	$30,141	$10,314	$19,826	$5,737,101
6	68	$30,141	$10,279	$19,862	$5,717,239
6	69	$30,141	$10,243	$19,897	$5,697,342
6	70	$30,141	$10,208	$19,933	$5,677,410
6	71	$30,141	$10,172	$19,968	$5,657,441
6	72	$30,141	$10,136	$20,004	$5,637,437
7	73	$30,141	$10,100	$20,040	$5,617,397
7	74	$30,141	$10,065	$20,076	$5,597,321
7	75	$30,141	$10,029	$20,112	$5,577,209
7	76	$30,141	$9,992	$20,148	$5,557,061
7	77	$30,141	$9,956	$20,184	$5,536,876
7	78	$30,141	$9,920	$20,220	$5,516,656
7	79	$30,141	$9,884	$20,257	$5,496,400
7	80	$30,141	$9,848	$20,293	$5,476,107
7	81	$30,141	$9,811	$20,329	$5,455,778
7	82	$30,141	$9,775	$20,366	$5,435,412
7	83	$30,141	$9,738	$20,402	$5,415,010
7	84	$30,141	$9,702	$20,439	$5,394,571
8	85	$30,141	$9,665	$20,475	$5,374,096
8	86	$30,141	$9,629	$20,512	$5,353,584
8	87	$30,141	$9,592	$20,549	$5,333,036
8	88	$30,141	$9,555	$20,586	$5,312,450
8	89	$30,141	$9,518	$20,622	$5,291,828
8	90	$30,141	$9,481	$20,659	$5,271,168
8	91	$30,141	$9,444	$20,696	$5,250,472
8	92	$30,141	$9,407	$20,733	$5,229,739
8	93	$30,141	$9,370	$20,771	$5,208,968
8	94	$30,141	$9,333	$20,808	$5,188,160
8	95	$30,141	$9,295	$20,845	$5,167,315
8	96	$30,141	$9,258	$20,882	$5,146,433
9	97	$30,141	$9,221	$20,920	$5,125,513
9	98	$30,141	$9,183	$20,957	$5,104,556
9	99	$30,141	$9,146	$20,995	$5,083,561
9	100	$30,141	$9,108	$21,032	$5,062,528
9	101	$30,141	$9,070	$21,070	$5,041,458
9	102	$30,141	$9,033	$21,108	$5,020,350
9	103	$30,141	$8,995	$21,146	$4,999,204
9	104	$30,141	$8,957	$21,184	$4,978,021
9	105	$30,141	$8,919	$21,222	$4,956,799
9	106	$30,141	$8,881	$21,260	$4,935,540
9	107	$30,141	$8,843	$21,298	$4,914,242
9	108	$30,141	$8,805	$21,336	$4,892,906
10	109	$30,141	$8,766	$21,374	$4,871,532
10	110	$30,141	$8,728	$21,412	$4,850,120
10	111	$30,141	$8,690	$21,451	$4,828,669
10	112	$30,141	$8,651	$21,489	$4,807,180
10	113	$30,141	$8,613	$21,528	$4,785,652
10	114	$30,141	$8,574	$21,566	$4,764,086
10	115	$30,141	$8,536	$21,605	$4,742,481
10	116	$30,141	$8,497	$21,644	$4,720,837
10	117	$30,141	$8,458	$21,682	$4,699,155
10	118	$30,141	$8,419	$21,721	$4,677,434
10	119	$30,141	$8,380	$21,760	$4,655,674
10	120	$30,141	$8,341	$21,799	$4,633,875
11	121	$30,141	$8,302	$21,838	$4,612,036
11	122	$30,141	$8,263	$21,877	$4,590,159
11	123	$30,141	$8,224	$21,916	$4,568,243
11	124	$30,141	$8,185	$21,956	$4,546,287
11	125	$30,141	$8,145	$21,995	$4,524,292
11	126	$30,141	$8,106	$22,035	$4,502,257
11	127	$30,141	$8,067	$22,074	$4,480,183
11	128	$30,141	$8,027	$22,114	$4,458,070
11	129	$30,141	$7,987	$22,153	$4,435,917
11	130	$30,141	$7,948	$22,193	$4,413,724
11	131	$30,141	$7,908	$22,233	$4,391,491
11	132	$30,141	$7,868	$22,272	$4,369,219
12	133	$30,141	$7,828	$22,312	$4,346,906
12	134	$30,141	$7,788	$22,352	$4,324,554
12	135	$30,141	$7,748	$22,392	$4,302,162
12	136	$30,141	$7,708	$22,432	$4,279,729
12	137	$30,141	$7,668	$22,473	$4,257,257
12	138	$30,141	$7,628	$22,513	$4,234,744
12	139	$30,141	$7,587	$22,553	$4,212,190
12	140	$30,141	$7,547	$22,594	$4,189,597
12	141	$30,141	$7,506	$22,634	$4,166,963
12	142	$30,141	$7,466	$22,675	$4,144,288
12	143	$30,141	$7,425	$22,715	$4,121,572
12	144	$30,141	$7,384	$22,756	$4,098,816
13	145	$30,141	$7,344	$22,797	$4,076,020
13	146	$30,141	$7,303	$22,838	$4,053,182
13	147	$30,141	$7,262	$22,879	$4,030,303
13	148	$30,141	$7,221	$22,920	$4,007,384
13	149	$30,141	$7,180	$22,961	$3,984,423
13	150	$30,141	$7,139	$23,002	$3,961,421
13	151	$30,141	$7,098	$23,043	$3,938,378
13	152	$30,141	$7,056	$23,084	$3,915,294
13	153	$30,141	$7,015	$23,126	$3,892,169
13	154	$30,141	$6,973	$23,167	$3,869,002
13	155	$30,141	$6,932	$23,209	$3,845,793
13	156	$30,141	$6,890	$23,250	$3,822,543
14	157	$30,141	$6,849	$23,292	$3,799,251
14	158	$30,141	$6,807	$23,334	$3,775,917
14	159	$30,141	$6,765	$23,375	$3,752,542
14	160	$30,141	$6,723	$23,417	$3,729,125
14	161	$30,141	$6,681	$23,459	$3,705,666
14	162	$30,141	$6,639	$23,501	$3,682,165
14	163	$30,141	$6,597	$23,543	$3,658,621
14	164	$30,141	$6,555	$23,585	$3,635,036
14	165	$30,141	$6,513	$23,628	$3,611,408
14	166	$30,141	$6,470	$23,670	$3,587,738
14	167	$30,141	$6,428	$23,712	$3,564,025
14	168	$30,141	$6,386	$23,755	$3,540,270
15	169	$30,141	$6,343	$23,798	$3,516,473
15	170	$30,141	$6,300	$23,840	$3,492,633
15	171	$30,141	$6,258	$23,883	$3,468,750
15	172	$30,141	$6,215	$23,926	$3,444,824
15	173	$30,141	$6,172	$23,969	$3,420,856
15	174	$30,141	$6,129	$24,011	$3,396,844
15	175	$30,141	$6,086	$24,055	$3,372,790
15	176	$30,141	$6,043	$24,098	$3,348,692
15	177	$30,141	$6,000	$24,141	$3,324,551
15	178	$30,141	$5,956	$24,184	$3,300,367
15	179	$30,141	$5,913	$24,227	$3,276,140
15	180	$30,141	$5,870	$24,271	$3,251,869
16	181	$30,141	$5,826	$24,314	$3,227,555
16	182	$30,141	$5,783	$24,358	$3,203,197
16	183	$30,141	$5,739	$24,401	$3,178,795
16	184	$30,141	$5,695	$24,445	$3,154,350
16	185	$30,141	$5,652	$24,489	$3,129,861
16	186	$30,141	$5,608	$24,533	$3,105,328
16	187	$30,141	$5,564	$24,577	$3,080,752
16	188	$30,141	$5,520	$24,621	$3,056,131
16	189	$30,141	$5,476	$24,665	$3,031,466
16	190	$30,141	$5,431	$24,709	$3,006,757
16	191	$30,141	$5,387	$24,753	$2,982,003
16	192	$30,141	$5,343	$24,798	$2,957,206
17	193	$30,141	$5,298	$24,842	$2,932,363
17	194	$30,141	$5,254	$24,887	$2,907,477
17	195	$30,141	$5,209	$24,931	$2,882,545
17	196	$30,141	$5,165	$24,976	$2,857,569
17	197	$30,141	$5,120	$25,021	$2,832,549
17	198	$30,141	$5,075	$25,066	$2,807,483
17	199	$30,141	$5,030	$25,110	$2,782,373
17	200	$30,141	$4,985	$25,155	$2,757,217
17	201	$30,141	$4,940	$25,201	$2,732,017
17	202	$30,141	$4,895	$25,246	$2,706,771
17	203	$30,141	$4,850	$25,291	$2,681,480
17	204	$30,141	$4,804	$25,336	$2,656,144
18	205	$30,141	$4,759	$25,382	$2,630,762
18	206	$30,141	$4,713	$25,427	$2,605,335
18	207	$30,141	$4,668	$25,473	$2,579,863
18	208	$30,141	$4,622	$25,518	$2,554,344
18	209	$30,141	$4,577	$25,564	$2,528,780
18	210	$30,141	$4,531	$25,610	$2,503,171
18	211	$30,141	$4,485	$25,656	$2,477,515
18	212	$30,141	$4,439	$25,702	$2,451,813
18	213	$30,141	$4,393	$25,748	$2,426,066
18	214	$30,141	$4,347	$25,794	$2,400,272
18	215	$30,141	$4,300	$25,840	$2,374,432
18	216	$30,141	$4,254	$25,886	$2,348,545
19	217	$30,141	$4,208	$25,933	$2,322,613
19	218	$30,141	$4,161	$25,979	$2,296,634
19	219	$30,141	$4,115	$26,026	$2,270,608
19	220	$30,141	$4,068	$26,072	$2,244,535
19	221	$30,141	$4,021	$26,119	$2,218,416
19	222	$30,141	$3,975	$26,166	$2,192,251
19	223	$30,141	$3,928	$26,213	$2,166,038
19	224	$30,141	$3,881	$26,260	$2,139,778
19	225	$30,141	$3,834	$26,307	$2,113,471
19	226	$30,141	$3,787	$26,354	$2,087,117
19	227	$30,141	$3,739	$26,401	$2,060,716
19	228	$30,141	$3,692	$26,448	$2,034,268
20	229	$30,141	$3,645	$26,496	$2,007,772
20	230	$30,141	$3,597	$26,543	$1,981,229
20	231	$30,141	$3,550	$26,591	$1,954,638
20	232	$30,141	$3,502	$26,638	$1,928,000
20	233	$30,141	$3,454	$26,686	$1,901,313
20	234	$30,141	$3,407	$26,734	$1,874,579
20	235	$30,141	$3,359	$26,782	$1,847,797
20	236	$30,141	$3,311	$26,830	$1,820,968
20	237	$30,141	$3,263	$26,878	$1,794,090
20	238	$30,141	$3,214	$26,926	$1,767,164
20	239	$30,141	$3,166	$26,974	$1,740,189
20	240	$30,141	$3,118	$27,023	$1,713,166
21	241	$30,141	$3,069	$27,071	$1,686,095
21	242	$30,141	$3,021	$27,120	$1,658,976
21	243	$30,141	$2,972	$27,168	$1,631,808
21	244	$30,141	$2,924	$27,217	$1,604,591
21	245	$30,141	$2,875	$27,266	$1,577,325
21	246	$30,141	$2,826	$27,314	$1,550,011
21	247	$30,141	$2,777	$27,363	$1,522,647
21	248	$30,141	$2,728	$27,412	$1,495,235
21	249	$30,141	$2,679	$27,462	$1,467,773
21	250	$30,141	$2,630	$27,511	$1,440,262
21	251	$30,141	$2,580	$27,560	$1,412,702
21	252	$30,141	$2,531	$27,609	$1,385,093
22	253	$30,141	$2,482	$27,659	$1,357,434
22	254	$30,141	$2,432	$27,708	$1,329,726
22	255	$30,141	$2,382	$27,758	$1,301,967
22	256	$30,141	$2,333	$27,808	$1,274,160
22	257	$30,141	$2,283	$27,858	$1,246,302
22	258	$30,141	$2,233	$27,908	$1,218,394
22	259	$30,141	$2,183	$27,958	$1,190,437
22	260	$30,141	$2,133	$28,008	$1,162,429
22	261	$30,141	$2,083	$28,058	$1,134,371
22	262	$30,141	$2,032	$28,108	$1,106,263
22	263	$30,141	$1,982	$28,158	$1,078,105
22	264	$30,141	$1,932	$28,209	$1,049,896
23	265	$30,141	$1,881	$28,259	$1,021,636
23	266	$30,141	$1,830	$28,310	$993,326
23	267	$30,141	$1,780	$28,361	$964,965
23	268	$30,141	$1,729	$28,412	$936,554
23	269	$30,141	$1,678	$28,463	$908,091
23	270	$30,141	$1,627	$28,514	$879,578
23	271	$30,141	$1,576	$28,565	$851,013
23	272	$30,141	$1,525	$28,616	$822,397
23	273	$30,141	$1,473	$28,667	$793,730
23	274	$30,141	$1,422	$28,718	$765,012
23	275	$30,141	$1,371	$28,770	$736,242
23	276	$30,141	$1,319	$28,821	$707,421
24	277	$30,141	$1,267	$28,873	$678,548
24	278	$30,141	$1,216	$28,925	$649,623
24	279	$30,141	$1,164	$28,977	$620,646
24	280	$30,141	$1,112	$29,029	$591,618
24	281	$30,141	$1,060	$29,081	$562,537
24	282	$30,141	$1,008	$29,133	$533,404
24	283	$30,141	$956	$29,185	$504,220
24	284	$30,141	$903	$29,237	$474,982
24	285	$30,141	$851	$29,290	$445,693
24	286	$30,141	$799	$29,342	$416,351
24	287	$30,141	$746	$29,395	$386,956
24	288	$30,141	$693	$29,447	$357,509
25	289	$30,141	$641	$29,500	$328,009
25	290	$30,141	$588	$29,553	$298,456
25	291	$30,141	$535	$29,606	$268,851
25	292	$30,141	$482	$29,659	$239,192
25	293	$30,141	$429	$29,712	$209,480
25	294	$30,141	$375	$29,765	$179,715
25	295	$30,141	$322	$29,819	$149,896
25	296	$30,141	$269	$29,872	$120,024
25	297	$30,141	$215	$29,925	$90,099
25	298	$30,141	$161	$29,979	$60,119
25	299	$30,141	$108	$30,033	$30,087
25	300	$30,141	$54	$30,087	$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$ 4,660,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,776,500

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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.