Century 21 Centaland Property

Down Payment (HKD)

$2,752,000

Monthly Repayment (HKD)

$17,800

Loan Amount (HKD)

$4,128,000

Total Interest (HKD)

$1,211,918

Total Repayment (HKD)

$5,339,918

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$17,800	$7,396	$10,404	$4,117,596
1	2	$17,800	$7,377	$10,422	$4,107,174
1	3	$17,800	$7,359	$10,441	$4,096,733
1	4	$17,800	$7,340	$10,460	$4,086,273
1	5	$17,800	$7,321	$10,478	$4,075,795
1	6	$17,800	$7,302	$10,497	$4,065,297
1	7	$17,800	$7,284	$10,516	$4,054,781
1	8	$17,800	$7,265	$10,535	$4,044,246
1	9	$17,800	$7,246	$10,554	$4,033,693
1	10	$17,800	$7,227	$10,573	$4,023,120
1	11	$17,800	$7,208	$10,592	$4,012,528
1	12	$17,800	$7,189	$10,611	$4,001,918
2	13	$17,800	$7,170	$10,630	$3,991,288
2	14	$17,800	$7,151	$10,649	$3,980,639
2	15	$17,800	$7,132	$10,668	$3,969,972
2	16	$17,800	$7,113	$10,687	$3,959,285
2	17	$17,800	$7,094	$10,706	$3,948,579
2	18	$17,800	$7,075	$10,725	$3,937,854
2	19	$17,800	$7,055	$10,744	$3,927,109
2	20	$17,800	$7,036	$10,764	$3,916,346
2	21	$17,800	$7,017	$10,783	$3,905,563
2	22	$17,800	$6,997	$10,802	$3,894,760
2	23	$17,800	$6,978	$10,822	$3,883,939
2	24	$17,800	$6,959	$10,841	$3,873,098
3	25	$17,800	$6,939	$10,860	$3,862,237
3	26	$17,800	$6,920	$10,880	$3,851,357
3	27	$17,800	$6,900	$10,899	$3,840,458
3	28	$17,800	$6,881	$10,919	$3,829,539
3	29	$17,800	$6,861	$10,938	$3,818,601
3	30	$17,800	$6,842	$10,958	$3,807,643
3	31	$17,800	$6,822	$10,978	$3,796,665
3	32	$17,800	$6,802	$10,997	$3,785,668
3	33	$17,800	$6,783	$11,017	$3,774,650
3	34	$17,800	$6,763	$11,037	$3,763,614
3	35	$17,800	$6,743	$11,057	$3,752,557
3	36	$17,800	$6,723	$11,076	$3,741,481
4	37	$17,800	$6,703	$11,096	$3,730,384
4	38	$17,800	$6,684	$11,116	$3,719,268
4	39	$17,800	$6,664	$11,136	$3,708,132
4	40	$17,800	$6,644	$11,156	$3,696,976
4	41	$17,800	$6,624	$11,176	$3,685,800
4	42	$17,800	$6,604	$11,196	$3,674,604
4	43	$17,800	$6,584	$11,216	$3,663,388
4	44	$17,800	$6,564	$11,236	$3,652,152
4	45	$17,800	$6,543	$11,256	$3,640,896
4	46	$17,800	$6,523	$11,276	$3,629,619
4	47	$17,800	$6,503	$11,297	$3,618,323
4	48	$17,800	$6,483	$11,317	$3,607,006
5	49	$17,800	$6,463	$11,337	$3,595,669
5	50	$17,800	$6,442	$11,357	$3,584,311
5	51	$17,800	$6,422	$11,378	$3,572,933
5	52	$17,800	$6,402	$11,398	$3,561,535
5	53	$17,800	$6,381	$11,419	$3,550,116
5	54	$17,800	$6,361	$11,439	$3,538,677
5	55	$17,800	$6,340	$11,460	$3,527,218
5	56	$17,800	$6,320	$11,480	$3,515,738
5	57	$17,800	$6,299	$11,501	$3,504,237
5	58	$17,800	$6,278	$11,521	$3,492,716
5	59	$17,800	$6,258	$11,542	$3,481,174
5	60	$17,800	$6,237	$11,563	$3,469,611
6	61	$17,800	$6,216	$11,583	$3,458,028
6	62	$17,800	$6,196	$11,604	$3,446,424
6	63	$17,800	$6,175	$11,625	$3,434,799
6	64	$17,800	$6,154	$11,646	$3,423,153
6	65	$17,800	$6,133	$11,667	$3,411,486
6	66	$17,800	$6,112	$11,687	$3,399,799
6	67	$17,800	$6,091	$11,708	$3,388,091
6	68	$17,800	$6,070	$11,729	$3,376,361
6	69	$17,800	$6,049	$11,750	$3,364,611
6	70	$17,800	$6,028	$11,771	$3,352,839
6	71	$17,800	$6,007	$11,793	$3,341,047
6	72	$17,800	$5,986	$11,814	$3,329,233
7	73	$17,800	$5,965	$11,835	$3,317,398
7	74	$17,800	$5,944	$11,856	$3,305,542
7	75	$17,800	$5,922	$11,877	$3,293,665
7	76	$17,800	$5,901	$11,899	$3,281,766
7	77	$17,800	$5,880	$11,920	$3,269,846
7	78	$17,800	$5,858	$11,941	$3,257,905
7	79	$17,800	$5,837	$11,963	$3,245,942
7	80	$17,800	$5,816	$11,984	$3,233,958
7	81	$17,800	$5,794	$12,006	$3,221,953
7	82	$17,800	$5,773	$12,027	$3,209,926
7	83	$17,800	$5,751	$12,049	$3,197,877
7	84	$17,800	$5,730	$12,070	$3,185,807
8	85	$17,800	$5,708	$12,092	$3,173,715
8	86	$17,800	$5,686	$12,113	$3,161,602
8	87	$17,800	$5,665	$12,135	$3,149,466
8	88	$17,800	$5,643	$12,157	$3,137,310
8	89	$17,800	$5,621	$12,179	$3,125,131
8	90	$17,800	$5,599	$12,201	$3,112,930
8	91	$17,800	$5,577	$12,222	$3,100,708
8	92	$17,800	$5,555	$12,244	$3,088,464
8	93	$17,800	$5,533	$12,266	$3,076,197
8	94	$17,800	$5,512	$12,288	$3,063,909
8	95	$17,800	$5,490	$12,310	$3,051,599
8	96	$17,800	$5,467	$12,332	$3,039,267
9	97	$17,800	$5,445	$12,354	$3,026,912
9	98	$17,800	$5,423	$12,377	$3,014,536
9	99	$17,800	$5,401	$12,399	$3,002,137
9	100	$17,800	$5,379	$12,421	$2,989,716
9	101	$17,800	$5,357	$12,443	$2,977,273
9	102	$17,800	$5,334	$12,465	$2,964,808
9	103	$17,800	$5,312	$12,488	$2,952,320
9	104	$17,800	$5,290	$12,510	$2,939,810
9	105	$17,800	$5,267	$12,533	$2,927,277
9	106	$17,800	$5,245	$12,555	$2,914,722
9	107	$17,800	$5,222	$12,578	$2,902,145
9	108	$17,800	$5,200	$12,600	$2,889,545
10	109	$17,800	$5,177	$12,623	$2,876,922
10	110	$17,800	$5,154	$12,645	$2,864,277
10	111	$17,800	$5,132	$12,668	$2,851,609
10	112	$17,800	$5,109	$12,691	$2,838,918
10	113	$17,800	$5,086	$12,713	$2,826,205
10	114	$17,800	$5,064	$12,736	$2,813,469
10	115	$17,800	$5,041	$12,759	$2,800,710
10	116	$17,800	$5,018	$12,782	$2,787,928
10	117	$17,800	$4,995	$12,805	$2,775,123
10	118	$17,800	$4,972	$12,828	$2,762,296
10	119	$17,800	$4,949	$12,851	$2,749,445
10	120	$17,800	$4,926	$12,874	$2,736,571
11	121	$17,800	$4,903	$12,897	$2,723,675
11	122	$17,800	$4,880	$12,920	$2,710,755
11	123	$17,800	$4,857	$12,943	$2,697,812
11	124	$17,800	$4,834	$12,966	$2,684,846
11	125	$17,800	$4,810	$12,989	$2,671,856
11	126	$17,800	$4,787	$13,013	$2,658,844
11	127	$17,800	$4,764	$13,036	$2,645,808
11	128	$17,800	$4,740	$13,059	$2,632,749
11	129	$17,800	$4,717	$13,083	$2,619,666
11	130	$17,800	$4,694	$13,106	$2,606,560
11	131	$17,800	$4,670	$13,130	$2,593,430
11	132	$17,800	$4,647	$13,153	$2,580,277
12	133	$17,800	$4,623	$13,177	$2,567,100
12	134	$17,800	$4,599	$13,200	$2,553,900
12	135	$17,800	$4,576	$13,224	$2,540,676
12	136	$17,800	$4,552	$13,248	$2,527,428
12	137	$17,800	$4,528	$13,271	$2,514,157
12	138	$17,800	$4,505	$13,295	$2,500,861
12	139	$17,800	$4,481	$13,319	$2,487,542
12	140	$17,800	$4,457	$13,343	$2,474,200
12	141	$17,800	$4,433	$13,367	$2,460,833
12	142	$17,800	$4,409	$13,391	$2,447,442
12	143	$17,800	$4,385	$13,415	$2,434,027
12	144	$17,800	$4,361	$13,439	$2,420,589
13	145	$17,800	$4,337	$13,463	$2,407,126
13	146	$17,800	$4,313	$13,487	$2,393,639
13	147	$17,800	$4,289	$13,511	$2,380,128
13	148	$17,800	$4,264	$13,535	$2,366,592
13	149	$17,800	$4,240	$13,560	$2,353,033
13	150	$17,800	$4,216	$13,584	$2,339,449
13	151	$17,800	$4,192	$13,608	$2,325,841
13	152	$17,800	$4,167	$13,633	$2,312,208
13	153	$17,800	$4,143	$13,657	$2,298,551
13	154	$17,800	$4,118	$13,681	$2,284,870
13	155	$17,800	$4,094	$13,706	$2,271,164
13	156	$17,800	$4,069	$13,731	$2,257,433
14	157	$17,800	$4,045	$13,755	$2,243,678
14	158	$17,800	$4,020	$13,780	$2,229,898
14	159	$17,800	$3,995	$13,804	$2,216,094
14	160	$17,800	$3,971	$13,829	$2,202,264
14	161	$17,800	$3,946	$13,854	$2,188,410
14	162	$17,800	$3,921	$13,879	$2,174,532
14	163	$17,800	$3,896	$13,904	$2,160,628
14	164	$17,800	$3,871	$13,929	$2,146,699
14	165	$17,800	$3,846	$13,954	$2,132,746
14	166	$17,800	$3,821	$13,979	$2,118,767
14	167	$17,800	$3,796	$14,004	$2,104,764
14	168	$17,800	$3,771	$14,029	$2,090,735
15	169	$17,800	$3,746	$14,054	$2,076,681
15	170	$17,800	$3,721	$14,079	$2,062,602
15	171	$17,800	$3,695	$14,104	$2,048,498
15	172	$17,800	$3,670	$14,130	$2,034,368
15	173	$17,800	$3,645	$14,155	$2,020,213
15	174	$17,800	$3,620	$14,180	$2,006,033
15	175	$17,800	$3,594	$14,206	$1,991,828
15	176	$17,800	$3,569	$14,231	$1,977,597
15	177	$17,800	$3,543	$14,257	$1,963,340
15	178	$17,800	$3,518	$14,282	$1,949,058
15	179	$17,800	$3,492	$14,308	$1,934,750
15	180	$17,800	$3,466	$14,333	$1,920,417
16	181	$17,800	$3,441	$14,359	$1,906,058
16	182	$17,800	$3,415	$14,385	$1,891,673
16	183	$17,800	$3,389	$14,410	$1,877,263
16	184	$17,800	$3,363	$14,436	$1,862,827
16	185	$17,800	$3,338	$14,462	$1,848,364
16	186	$17,800	$3,312	$14,488	$1,833,876
16	187	$17,800	$3,286	$14,514	$1,819,362
16	188	$17,800	$3,260	$14,540	$1,804,822
16	189	$17,800	$3,234	$14,566	$1,790,256
16	190	$17,800	$3,208	$14,592	$1,775,664
16	191	$17,800	$3,181	$14,618	$1,761,046
16	192	$17,800	$3,155	$14,645	$1,746,401
17	193	$17,800	$3,129	$14,671	$1,731,730
17	194	$17,800	$3,103	$14,697	$1,717,033
17	195	$17,800	$3,076	$14,723	$1,702,310
17	196	$17,800	$3,050	$14,750	$1,687,560
17	197	$17,800	$3,024	$14,776	$1,672,784
17	198	$17,800	$2,997	$14,803	$1,657,981
17	199	$17,800	$2,971	$14,829	$1,643,152
17	200	$17,800	$2,944	$14,856	$1,628,297
17	201	$17,800	$2,917	$14,882	$1,613,414
17	202	$17,800	$2,891	$14,909	$1,598,505
17	203	$17,800	$2,864	$14,936	$1,583,569
17	204	$17,800	$2,837	$14,962	$1,568,607
18	205	$17,800	$2,810	$14,989	$1,553,618
18	206	$17,800	$2,784	$15,016	$1,538,601
18	207	$17,800	$2,757	$15,043	$1,523,558
18	208	$17,800	$2,730	$15,070	$1,508,488
18	209	$17,800	$2,703	$15,097	$1,493,391
18	210	$17,800	$2,676	$15,124	$1,478,267
18	211	$17,800	$2,649	$15,151	$1,463,116
18	212	$17,800	$2,621	$15,178	$1,447,938
18	213	$17,800	$2,594	$15,206	$1,432,732
18	214	$17,800	$2,567	$15,233	$1,417,500
18	215	$17,800	$2,540	$15,260	$1,402,240
18	216	$17,800	$2,512	$15,287	$1,386,952
19	217	$17,800	$2,485	$15,315	$1,371,637
19	218	$17,800	$2,458	$15,342	$1,356,295
19	219	$17,800	$2,430	$15,370	$1,340,925
19	220	$17,800	$2,402	$15,397	$1,325,528
19	221	$17,800	$2,375	$15,425	$1,310,103
19	222	$17,800	$2,347	$15,452	$1,294,651
19	223	$17,800	$2,320	$15,480	$1,279,171
19	224	$17,800	$2,292	$15,508	$1,263,663
19	225	$17,800	$2,264	$15,536	$1,248,127
19	226	$17,800	$2,236	$15,563	$1,232,564
19	227	$17,800	$2,208	$15,591	$1,216,972
19	228	$17,800	$2,180	$15,619	$1,201,353
20	229	$17,800	$2,152	$15,647	$1,185,706
20	230	$17,800	$2,124	$15,675	$1,170,030
20	231	$17,800	$2,096	$15,703	$1,154,327
20	232	$17,800	$2,068	$15,732	$1,138,595
20	233	$17,800	$2,040	$15,760	$1,122,836
20	234	$17,800	$2,012	$15,788	$1,107,048
20	235	$17,800	$1,983	$15,816	$1,091,231
20	236	$17,800	$1,955	$15,845	$1,075,387
20	237	$17,800	$1,927	$15,873	$1,059,514
20	238	$17,800	$1,898	$15,901	$1,043,612
20	239	$17,800	$1,870	$15,930	$1,027,683
20	240	$17,800	$1,841	$15,958	$1,011,724
21	241	$17,800	$1,813	$15,987	$995,737
21	242	$17,800	$1,784	$16,016	$979,721
21	243	$17,800	$1,755	$16,044	$963,677
21	244	$17,800	$1,727	$16,073	$947,604
21	245	$17,800	$1,698	$16,102	$931,502
21	246	$17,800	$1,669	$16,131	$915,371
21	247	$17,800	$1,640	$16,160	$899,211
21	248	$17,800	$1,611	$16,189	$883,023
21	249	$17,800	$1,582	$16,218	$866,805
21	250	$17,800	$1,553	$16,247	$850,558
21	251	$17,800	$1,524	$16,276	$834,283
21	252	$17,800	$1,495	$16,305	$817,978
22	253	$17,800	$1,466	$16,334	$801,643
22	254	$17,800	$1,436	$16,363	$785,280
22	255	$17,800	$1,407	$16,393	$768,887
22	256	$17,800	$1,378	$16,422	$752,465
22	257	$17,800	$1,348	$16,452	$736,014
22	258	$17,800	$1,319	$16,481	$719,532
22	259	$17,800	$1,289	$16,511	$703,022
22	260	$17,800	$1,260	$16,540	$686,482
22	261	$17,800	$1,230	$16,570	$669,912
22	262	$17,800	$1,200	$16,599	$653,313
22	263	$17,800	$1,171	$16,629	$636,683
22	264	$17,800	$1,141	$16,659	$620,024
23	265	$17,800	$1,111	$16,689	$603,335
23	266	$17,800	$1,081	$16,719	$586,617
23	267	$17,800	$1,051	$16,749	$569,868
23	268	$17,800	$1,021	$16,779	$553,089
23	269	$17,800	$991	$16,809	$536,281
23	270	$17,800	$961	$16,839	$519,442
23	271	$17,800	$931	$16,869	$502,573
23	272	$17,800	$900	$16,899	$485,673
23	273	$17,800	$870	$16,930	$468,744
23	274	$17,800	$840	$16,960	$451,784
23	275	$17,800	$809	$16,990	$434,794
23	276	$17,800	$779	$17,021	$417,773
24	277	$17,800	$749	$17,051	$400,722
24	278	$17,800	$718	$17,082	$383,640
24	279	$17,800	$687	$17,112	$366,527
24	280	$17,800	$657	$17,143	$349,384
24	281	$17,800	$626	$17,174	$332,211
24	282	$17,800	$595	$17,205	$315,006
24	283	$17,800	$564	$17,235	$297,771
24	284	$17,800	$534	$17,266	$280,505
24	285	$17,800	$503	$17,297	$263,207
24	286	$17,800	$472	$17,328	$245,879
24	287	$17,800	$441	$17,359	$228,520
24	288	$17,800	$409	$17,390	$211,130
25	289	$17,800	$378	$17,421	$193,708
25	290	$17,800	$347	$17,453	$176,256
25	291	$17,800	$316	$17,484	$158,772
25	292	$17,800	$284	$17,515	$141,257
25	293	$17,800	$253	$17,547	$123,710
25	294	$17,800	$222	$17,578	$106,132
25	295	$17,800	$190	$17,610	$88,522
25	296	$17,800	$159	$17,641	$70,881
25	297	$17,800	$127	$17,673	$53,208
25	298	$17,800	$95	$17,704	$35,504
25	299	$17,800	$64	$17,736	$17,768
25	300	$17,800	$32	$17,768	$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$ 2,752,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,820,800

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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.