Century 21 Centaland Property

Down Payment (HKD)

$3,620,000

Monthly Repayment (HKD)

$23,414

Loan Amount (HKD)

$5,430,000

Total Interest (HKD)

$1,594,165

Total Repayment (HKD)

$7,024,165

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$23,414	$9,729	$13,685	$5,416,315
1	2	$23,414	$9,704	$13,710	$5,402,605
1	3	$23,414	$9,680	$13,734	$5,388,871
1	4	$23,414	$9,655	$13,759	$5,375,112
1	5	$23,414	$9,630	$13,783	$5,361,329
1	6	$23,414	$9,606	$13,808	$5,347,521
1	7	$23,414	$9,581	$13,833	$5,333,688
1	8	$23,414	$9,556	$13,858	$5,319,830
1	9	$23,414	$9,531	$13,883	$5,305,947
1	10	$23,414	$9,506	$13,907	$5,292,040
1	11	$23,414	$9,482	$13,932	$5,278,108
1	12	$23,414	$9,457	$13,957	$5,264,150
2	13	$23,414	$9,432	$13,982	$5,250,168
2	14	$23,414	$9,407	$14,007	$5,236,161
2	15	$23,414	$9,381	$14,032	$5,222,128
2	16	$23,414	$9,356	$14,058	$5,208,071
2	17	$23,414	$9,331	$14,083	$5,193,988
2	18	$23,414	$9,306	$14,108	$5,179,880
2	19	$23,414	$9,281	$14,133	$5,165,747
2	20	$23,414	$9,255	$14,159	$5,151,588
2	21	$23,414	$9,230	$14,184	$5,137,404
2	22	$23,414	$9,205	$14,209	$5,123,195
2	23	$23,414	$9,179	$14,235	$5,108,960
2	24	$23,414	$9,154	$14,260	$5,094,700
3	25	$23,414	$9,128	$14,286	$5,080,414
3	26	$23,414	$9,102	$14,311	$5,066,102
3	27	$23,414	$9,077	$14,337	$5,051,765
3	28	$23,414	$9,051	$14,363	$5,037,402
3	29	$23,414	$9,025	$14,389	$5,023,014
3	30	$23,414	$9,000	$14,414	$5,008,600
3	31	$23,414	$8,974	$14,440	$4,994,159
3	32	$23,414	$8,948	$14,466	$4,979,693
3	33	$23,414	$8,922	$14,492	$4,965,202
3	34	$23,414	$8,896	$14,518	$4,950,684
3	35	$23,414	$8,870	$14,544	$4,936,140
3	36	$23,414	$8,844	$14,570	$4,921,570
4	37	$23,414	$8,818	$14,596	$4,906,974
4	38	$23,414	$8,792	$14,622	$4,892,351
4	39	$23,414	$8,765	$14,648	$4,877,703
4	40	$23,414	$8,739	$14,675	$4,863,028
4	41	$23,414	$8,713	$14,701	$4,848,327
4	42	$23,414	$8,687	$14,727	$4,833,600
4	43	$23,414	$8,660	$14,754	$4,818,846
4	44	$23,414	$8,634	$14,780	$4,804,066
4	45	$23,414	$8,607	$14,807	$4,789,260
4	46	$23,414	$8,581	$14,833	$4,774,427
4	47	$23,414	$8,554	$14,860	$4,759,567
4	48	$23,414	$8,528	$14,886	$4,744,681
5	49	$23,414	$8,501	$14,913	$4,729,768
5	50	$23,414	$8,474	$14,940	$4,714,828
5	51	$23,414	$8,447	$14,966	$4,699,861
5	52	$23,414	$8,421	$14,993	$4,684,868
5	53	$23,414	$8,394	$15,020	$4,669,848
5	54	$23,414	$8,367	$15,047	$4,654,801
5	55	$23,414	$8,340	$15,074	$4,639,727
5	56	$23,414	$8,313	$15,101	$4,624,626
5	57	$23,414	$8,286	$15,128	$4,609,498
5	58	$23,414	$8,259	$15,155	$4,594,342
5	59	$23,414	$8,232	$15,182	$4,579,160
5	60	$23,414	$8,204	$15,210	$4,563,951
6	61	$23,414	$8,177	$15,237	$4,548,714
6	62	$23,414	$8,150	$15,264	$4,533,450
6	63	$23,414	$8,122	$15,291	$4,518,158
6	64	$23,414	$8,095	$15,319	$4,502,839
6	65	$23,414	$8,068	$15,346	$4,487,493
6	66	$23,414	$8,040	$15,374	$4,472,119
6	67	$23,414	$8,013	$15,401	$4,456,718
6	68	$23,414	$7,985	$15,429	$4,441,289
6	69	$23,414	$7,957	$15,457	$4,425,832
6	70	$23,414	$7,930	$15,484	$4,410,348
6	71	$23,414	$7,902	$15,512	$4,394,836
6	72	$23,414	$7,874	$15,540	$4,379,296
7	73	$23,414	$7,846	$15,568	$4,363,729
7	74	$23,414	$7,818	$15,596	$4,348,133
7	75	$23,414	$7,790	$15,623	$4,332,510
7	76	$23,414	$7,762	$15,651	$4,316,858
7	77	$23,414	$7,734	$15,680	$4,301,179
7	78	$23,414	$7,706	$15,708	$4,285,471
7	79	$23,414	$7,678	$15,736	$4,269,735
7	80	$23,414	$7,650	$15,764	$4,253,971
7	81	$23,414	$7,622	$15,792	$4,238,179
7	82	$23,414	$7,593	$15,820	$4,222,359
7	83	$23,414	$7,565	$15,849	$4,206,510
7	84	$23,414	$7,537	$15,877	$4,190,633
8	85	$23,414	$7,508	$15,906	$4,174,727
8	86	$23,414	$7,480	$15,934	$4,158,793
8	87	$23,414	$7,451	$15,963	$4,142,830
8	88	$23,414	$7,423	$15,991	$4,126,839
8	89	$23,414	$7,394	$16,020	$4,110,819
8	90	$23,414	$7,365	$16,049	$4,094,770
8	91	$23,414	$7,336	$16,077	$4,078,693
8	92	$23,414	$7,308	$16,106	$4,062,587
8	93	$23,414	$7,279	$16,135	$4,046,451
8	94	$23,414	$7,250	$16,164	$4,030,287
8	95	$23,414	$7,221	$16,193	$4,014,095
8	96	$23,414	$7,192	$16,222	$3,997,873
9	97	$23,414	$7,163	$16,251	$3,981,622
9	98	$23,414	$7,134	$16,280	$3,965,341
9	99	$23,414	$7,105	$16,309	$3,949,032
9	100	$23,414	$7,075	$16,339	$3,932,694
9	101	$23,414	$7,046	$16,368	$3,916,326
9	102	$23,414	$7,017	$16,397	$3,899,929
9	103	$23,414	$6,987	$16,427	$3,883,502
9	104	$23,414	$6,958	$16,456	$3,867,046
9	105	$23,414	$6,928	$16,485	$3,850,561
9	106	$23,414	$6,899	$16,515	$3,834,046
9	107	$23,414	$6,869	$16,545	$3,817,501
9	108	$23,414	$6,840	$16,574	$3,800,927
10	109	$23,414	$6,810	$16,604	$3,784,323
10	110	$23,414	$6,780	$16,634	$3,767,690
10	111	$23,414	$6,750	$16,663	$3,751,026
10	112	$23,414	$6,721	$16,693	$3,734,333
10	113	$23,414	$6,691	$16,723	$3,717,610
10	114	$23,414	$6,661	$16,753	$3,700,856
10	115	$23,414	$6,631	$16,783	$3,684,073
10	116	$23,414	$6,601	$16,813	$3,667,260
10	117	$23,414	$6,571	$16,843	$3,650,417
10	118	$23,414	$6,540	$16,874	$3,633,543
10	119	$23,414	$6,510	$16,904	$3,616,639
10	120	$23,414	$6,480	$16,934	$3,599,705
11	121	$23,414	$6,449	$16,964	$3,582,741
11	122	$23,414	$6,419	$16,995	$3,565,746
11	123	$23,414	$6,389	$17,025	$3,548,721
11	124	$23,414	$6,358	$17,056	$3,531,665
11	125	$23,414	$6,328	$17,086	$3,514,579
11	126	$23,414	$6,297	$17,117	$3,497,462
11	127	$23,414	$6,266	$17,148	$3,480,314
11	128	$23,414	$6,236	$17,178	$3,463,136
11	129	$23,414	$6,205	$17,209	$3,445,927
11	130	$23,414	$6,174	$17,240	$3,428,687
11	131	$23,414	$6,143	$17,271	$3,411,416
11	132	$23,414	$6,112	$17,302	$3,394,114
12	133	$23,414	$6,081	$17,333	$3,376,781
12	134	$23,414	$6,050	$17,364	$3,359,418
12	135	$23,414	$6,019	$17,395	$3,342,023
12	136	$23,414	$5,988	$17,426	$3,324,597
12	137	$23,414	$5,957	$17,457	$3,307,139
12	138	$23,414	$5,925	$17,489	$3,289,651
12	139	$23,414	$5,894	$17,520	$3,272,131
12	140	$23,414	$5,863	$17,551	$3,254,579
12	141	$23,414	$5,831	$17,583	$3,236,997
12	142	$23,414	$5,800	$17,614	$3,219,382
12	143	$23,414	$5,768	$17,646	$3,201,737
12	144	$23,414	$5,736	$17,677	$3,184,059
13	145	$23,414	$5,705	$17,709	$3,166,350
13	146	$23,414	$5,673	$17,741	$3,148,609
13	147	$23,414	$5,641	$17,773	$3,130,837
13	148	$23,414	$5,609	$17,804	$3,113,032
13	149	$23,414	$5,578	$17,836	$3,095,196
13	150	$23,414	$5,546	$17,868	$3,077,327
13	151	$23,414	$5,514	$17,900	$3,059,427
13	152	$23,414	$5,481	$17,932	$3,041,495
13	153	$23,414	$5,449	$17,965	$3,023,530
13	154	$23,414	$5,417	$17,997	$3,005,533
13	155	$23,414	$5,385	$18,029	$2,987,504
13	156	$23,414	$5,353	$18,061	$2,969,443
14	157	$23,414	$5,320	$18,094	$2,951,350
14	158	$23,414	$5,288	$18,126	$2,933,223
14	159	$23,414	$5,255	$18,159	$2,915,065
14	160	$23,414	$5,223	$18,191	$2,896,874
14	161	$23,414	$5,190	$18,224	$2,878,650
14	162	$23,414	$5,158	$18,256	$2,860,394
14	163	$23,414	$5,125	$18,289	$2,842,105
14	164	$23,414	$5,092	$18,322	$2,823,783
14	165	$23,414	$5,059	$18,355	$2,805,429
14	166	$23,414	$5,026	$18,387	$2,787,041
14	167	$23,414	$4,993	$18,420	$2,768,621
14	168	$23,414	$4,960	$18,453	$2,750,167
15	169	$23,414	$4,927	$18,487	$2,731,681
15	170	$23,414	$4,894	$18,520	$2,713,161
15	171	$23,414	$4,861	$18,553	$2,694,608
15	172	$23,414	$4,828	$18,586	$2,676,022
15	173	$23,414	$4,795	$18,619	$2,657,403
15	174	$23,414	$4,761	$18,653	$2,638,750
15	175	$23,414	$4,728	$18,686	$2,620,064
15	176	$23,414	$4,694	$18,720	$2,601,344
15	177	$23,414	$4,661	$18,753	$2,582,591
15	178	$23,414	$4,627	$18,787	$2,563,805
15	179	$23,414	$4,593	$18,820	$2,544,984
15	180	$23,414	$4,560	$18,854	$2,526,130
16	181	$23,414	$4,526	$18,888	$2,507,242
16	182	$23,414	$4,492	$18,922	$2,488,320
16	183	$23,414	$4,458	$18,956	$2,469,365
16	184	$23,414	$4,424	$18,990	$2,450,375
16	185	$23,414	$4,390	$19,024	$2,431,352
16	186	$23,414	$4,356	$19,058	$2,412,294
16	187	$23,414	$4,322	$19,092	$2,393,202
16	188	$23,414	$4,288	$19,126	$2,374,076
16	189	$23,414	$4,254	$19,160	$2,354,916
16	190	$23,414	$4,219	$19,195	$2,335,721
16	191	$23,414	$4,185	$19,229	$2,316,492
16	192	$23,414	$4,150	$19,264	$2,297,228
17	193	$23,414	$4,116	$19,298	$2,277,930
17	194	$23,414	$4,081	$19,333	$2,258,598
17	195	$23,414	$4,047	$19,367	$2,239,230
17	196	$23,414	$4,012	$19,402	$2,219,829
17	197	$23,414	$3,977	$19,437	$2,200,392
17	198	$23,414	$3,942	$19,472	$2,180,920
17	199	$23,414	$3,907	$19,506	$2,161,414
17	200	$23,414	$3,873	$19,541	$2,141,873
17	201	$23,414	$3,838	$19,576	$2,122,296
17	202	$23,414	$3,802	$19,611	$2,102,685
17	203	$23,414	$3,767	$19,647	$2,083,038
17	204	$23,414	$3,732	$19,682	$2,063,356
18	205	$23,414	$3,697	$19,717	$2,043,639
18	206	$23,414	$3,662	$19,752	$2,023,887
18	207	$23,414	$3,626	$19,788	$2,004,099
18	208	$23,414	$3,591	$19,823	$1,984,276
18	209	$23,414	$3,555	$19,859	$1,964,417
18	210	$23,414	$3,520	$19,894	$1,944,523
18	211	$23,414	$3,484	$19,930	$1,924,593
18	212	$23,414	$3,448	$19,966	$1,904,627
18	213	$23,414	$3,412	$20,001	$1,884,626
18	214	$23,414	$3,377	$20,037	$1,864,589
18	215	$23,414	$3,341	$20,073	$1,844,516
18	216	$23,414	$3,305	$20,109	$1,824,407
19	217	$23,414	$3,269	$20,145	$1,804,261
19	218	$23,414	$3,233	$20,181	$1,784,080
19	219	$23,414	$3,196	$20,217	$1,763,863
19	220	$23,414	$3,160	$20,254	$1,743,609
19	221	$23,414	$3,124	$20,290	$1,723,319
19	222	$23,414	$3,088	$20,326	$1,702,993
19	223	$23,414	$3,051	$20,363	$1,682,630
19	224	$23,414	$3,015	$20,399	$1,662,231
19	225	$23,414	$2,978	$20,436	$1,641,795
19	226	$23,414	$2,942	$20,472	$1,621,323
19	227	$23,414	$2,905	$20,509	$1,600,814
19	228	$23,414	$2,868	$20,546	$1,580,268
20	229	$23,414	$2,831	$20,583	$1,559,686
20	230	$23,414	$2,794	$20,619	$1,539,066
20	231	$23,414	$2,757	$20,656	$1,518,410
20	232	$23,414	$2,720	$20,693	$1,497,716
20	233	$23,414	$2,683	$20,730	$1,476,986
20	234	$23,414	$2,646	$20,768	$1,456,218
20	235	$23,414	$2,609	$20,805	$1,435,413
20	236	$23,414	$2,572	$20,842	$1,414,571
20	237	$23,414	$2,534	$20,879	$1,393,692
20	238	$23,414	$2,497	$20,917	$1,372,775
20	239	$23,414	$2,460	$20,954	$1,351,821
20	240	$23,414	$2,422	$20,992	$1,330,829
21	241	$23,414	$2,384	$21,029	$1,309,799
21	242	$23,414	$2,347	$21,067	$1,288,732
21	243	$23,414	$2,309	$21,105	$1,267,627
21	244	$23,414	$2,271	$21,143	$1,246,485
21	245	$23,414	$2,233	$21,181	$1,225,304
21	246	$23,414	$2,195	$21,219	$1,204,085
21	247	$23,414	$2,157	$21,257	$1,182,829
21	248	$23,414	$2,119	$21,295	$1,161,534
21	249	$23,414	$2,081	$21,333	$1,140,201
21	250	$23,414	$2,043	$21,371	$1,118,830
21	251	$23,414	$2,005	$21,409	$1,097,421
21	252	$23,414	$1,966	$21,448	$1,075,973
22	253	$23,414	$1,928	$21,486	$1,054,487
22	254	$23,414	$1,889	$21,525	$1,032,963
22	255	$23,414	$1,851	$21,563	$1,011,400
22	256	$23,414	$1,812	$21,602	$989,798
22	257	$23,414	$1,773	$21,640	$968,157
22	258	$23,414	$1,735	$21,679	$946,478
22	259	$23,414	$1,696	$21,718	$924,760
22	260	$23,414	$1,657	$21,757	$903,003
22	261	$23,414	$1,618	$21,796	$881,207
22	262	$23,414	$1,579	$21,835	$859,372
22	263	$23,414	$1,540	$21,874	$837,498
22	264	$23,414	$1,501	$21,913	$815,584
23	265	$23,414	$1,461	$21,953	$793,632
23	266	$23,414	$1,422	$21,992	$771,640
23	267	$23,414	$1,383	$22,031	$749,608
23	268	$23,414	$1,343	$22,071	$727,538
23	269	$23,414	$1,304	$22,110	$705,427
23	270	$23,414	$1,264	$22,150	$683,277
23	271	$23,414	$1,224	$22,190	$661,087
23	272	$23,414	$1,184	$22,229	$638,858
23	273	$23,414	$1,145	$22,269	$616,589
23	274	$23,414	$1,105	$22,309	$594,280
23	275	$23,414	$1,065	$22,349	$571,930
23	276	$23,414	$1,025	$22,389	$549,541
24	277	$23,414	$985	$22,429	$527,112
24	278	$23,414	$944	$22,469	$504,643
24	279	$23,414	$904	$22,510	$482,133
24	280	$23,414	$864	$22,550	$459,583
24	281	$23,414	$823	$22,590	$436,992
24	282	$23,414	$783	$22,631	$414,361
24	283	$23,414	$742	$22,671	$391,690
24	284	$23,414	$702	$22,712	$368,978
24	285	$23,414	$661	$22,753	$346,225
24	286	$23,414	$620	$22,794	$323,431
24	287	$23,414	$579	$22,834	$300,597
24	288	$23,414	$539	$22,875	$277,722
25	289	$23,414	$498	$22,916	$254,805
25	290	$23,414	$457	$22,957	$231,848
25	291	$23,414	$415	$22,998	$208,850
25	292	$23,414	$374	$23,040	$185,810
25	293	$23,414	$333	$23,081	$162,729
25	294	$23,414	$292	$23,122	$139,607
25	295	$23,414	$250	$23,164	$116,443
25	296	$23,414	$209	$23,205	$93,238
25	297	$23,414	$167	$23,247	$69,991
25	298	$23,414	$125	$23,288	$46,702
25	299	$23,414	$84	$23,330	$23,372
25	300	$23,414	$42	$23,372	$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$ 3,620,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,710,500

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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.