Century 21 Centaland Property

Down Payment (HKD)

$4,752,000

Monthly Repayment (HKD)

$30,736

Loan Amount (HKD)

$7,128,000

Total Interest (HKD)

$2,092,672

Total Repayment (HKD)

$9,220,672

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$30,736	$12,771	$17,965	$7,110,035
1	2	$30,736	$12,739	$17,997	$7,092,039
1	3	$30,736	$12,707	$18,029	$7,074,010
1	4	$30,736	$12,674	$18,061	$7,055,948
1	5	$30,736	$12,642	$18,094	$7,037,855
1	6	$30,736	$12,609	$18,126	$7,019,729
1	7	$30,736	$12,577	$18,159	$7,001,570
1	8	$30,736	$12,544	$18,191	$6,983,379
1	9	$30,736	$12,512	$18,224	$6,965,155
1	10	$30,736	$12,479	$18,256	$6,946,899
1	11	$30,736	$12,447	$18,289	$6,928,610
1	12	$30,736	$12,414	$18,322	$6,910,288
2	13	$30,736	$12,381	$18,355	$6,891,933
2	14	$30,736	$12,348	$18,388	$6,873,546
2	15	$30,736	$12,315	$18,420	$6,855,125
2	16	$30,736	$12,282	$18,453	$6,836,672
2	17	$30,736	$12,249	$18,487	$6,818,185
2	18	$30,736	$12,216	$18,520	$6,799,666
2	19	$30,736	$12,183	$18,553	$6,781,113
2	20	$30,736	$12,149	$18,586	$6,762,527
2	21	$30,736	$12,116	$18,619	$6,743,907
2	22	$30,736	$12,083	$18,653	$6,725,255
2	23	$30,736	$12,049	$18,686	$6,706,569
2	24	$30,736	$12,016	$18,720	$6,687,849
3	25	$30,736	$11,982	$18,753	$6,669,096
3	26	$30,736	$11,949	$18,787	$6,650,309
3	27	$30,736	$11,915	$18,820	$6,631,489
3	28	$30,736	$11,881	$18,854	$6,612,634
3	29	$30,736	$11,848	$18,888	$6,593,746
3	30	$30,736	$11,814	$18,922	$6,574,825
3	31	$30,736	$11,780	$18,956	$6,555,869
3	32	$30,736	$11,746	$18,990	$6,536,879
3	33	$30,736	$11,712	$19,024	$6,517,856
3	34	$30,736	$11,678	$19,058	$6,498,798
3	35	$30,736	$11,644	$19,092	$6,479,706
3	36	$30,736	$11,609	$19,126	$6,460,580
4	37	$30,736	$11,575	$19,160	$6,441,420
4	38	$30,736	$11,541	$19,195	$6,422,225
4	39	$30,736	$11,506	$19,229	$6,402,996
4	40	$30,736	$11,472	$19,264	$6,383,732
4	41	$30,736	$11,438	$19,298	$6,364,434
4	42	$30,736	$11,403	$19,333	$6,345,102
4	43	$30,736	$11,368	$19,367	$6,325,734
4	44	$30,736	$11,334	$19,402	$6,306,332
4	45	$30,736	$11,299	$19,437	$6,286,896
4	46	$30,736	$11,264	$19,472	$6,267,424
4	47	$30,736	$11,229	$19,506	$6,247,918
4	48	$30,736	$11,194	$19,541	$6,228,376
5	49	$30,736	$11,159	$19,576	$6,208,800
5	50	$30,736	$11,124	$19,611	$6,189,188
5	51	$30,736	$11,089	$19,647	$6,169,542
5	52	$30,736	$11,054	$19,682	$6,149,860
5	53	$30,736	$11,018	$19,717	$6,130,143
5	54	$30,736	$10,983	$19,752	$6,110,390
5	55	$30,736	$10,948	$19,788	$6,090,603
5	56	$30,736	$10,912	$19,823	$6,070,779
5	57	$30,736	$10,877	$19,859	$6,050,921
5	58	$30,736	$10,841	$19,894	$6,031,026
5	59	$30,736	$10,806	$19,930	$6,011,096
5	60	$30,736	$10,770	$19,966	$5,991,131
6	61	$30,736	$10,734	$20,001	$5,971,129
6	62	$30,736	$10,698	$20,037	$5,951,092
6	63	$30,736	$10,662	$20,073	$5,931,019
6	64	$30,736	$10,626	$20,109	$5,910,910
6	65	$30,736	$10,590	$20,145	$5,890,764
6	66	$30,736	$10,554	$20,181	$5,870,583
6	67	$30,736	$10,518	$20,217	$5,850,366
6	68	$30,736	$10,482	$20,254	$5,830,112
6	69	$30,736	$10,446	$20,290	$5,809,822
6	70	$30,736	$10,409	$20,326	$5,789,496
6	71	$30,736	$10,373	$20,363	$5,769,133
6	72	$30,736	$10,336	$20,399	$5,748,734
7	73	$30,736	$10,300	$20,436	$5,728,298
7	74	$30,736	$10,263	$20,472	$5,707,826
7	75	$30,736	$10,227	$20,509	$5,687,317
7	76	$30,736	$10,190	$20,546	$5,666,771
7	77	$30,736	$10,153	$20,583	$5,646,188
7	78	$30,736	$10,116	$20,619	$5,625,569
7	79	$30,736	$10,079	$20,656	$5,604,912
7	80	$30,736	$10,042	$20,693	$5,584,219
7	81	$30,736	$10,005	$20,731	$5,563,488
7	82	$30,736	$9,968	$20,768	$5,542,721
7	83	$30,736	$9,931	$20,805	$5,521,916
7	84	$30,736	$9,893	$20,842	$5,501,074
8	85	$30,736	$9,856	$20,879	$5,480,194
8	86	$30,736	$9,819	$20,917	$5,459,277
8	87	$30,736	$9,781	$20,954	$5,438,323
8	88	$30,736	$9,744	$20,992	$5,417,331
8	89	$30,736	$9,706	$21,030	$5,396,301
8	90	$30,736	$9,668	$21,067	$5,375,234
8	91	$30,736	$9,631	$21,105	$5,354,129
8	92	$30,736	$9,593	$21,143	$5,332,987
8	93	$30,736	$9,555	$21,181	$5,311,806
8	94	$30,736	$9,517	$21,219	$5,290,587
8	95	$30,736	$9,479	$21,257	$5,269,331
8	96	$30,736	$9,441	$21,295	$5,248,036
9	97	$30,736	$9,403	$21,333	$5,226,703
9	98	$30,736	$9,365	$21,371	$5,205,332
9	99	$30,736	$9,326	$21,409	$5,183,923
9	100	$30,736	$9,288	$21,448	$5,162,475
9	101	$30,736	$9,249	$21,486	$5,140,989
9	102	$30,736	$9,211	$21,525	$5,119,464
9	103	$30,736	$9,172	$21,563	$5,097,901
9	104	$30,736	$9,134	$21,602	$5,076,299
9	105	$30,736	$9,095	$21,641	$5,054,659
9	106	$30,736	$9,056	$21,679	$5,032,979
9	107	$30,736	$9,017	$21,718	$5,011,261
9	108	$30,736	$8,979	$21,757	$4,989,504
10	109	$30,736	$8,940	$21,796	$4,967,708
10	110	$30,736	$8,900	$21,835	$4,945,873
10	111	$30,736	$8,861	$21,874	$4,923,999
10	112	$30,736	$8,822	$21,913	$4,902,085
10	113	$30,736	$8,783	$21,953	$4,880,133
10	114	$30,736	$8,744	$21,992	$4,858,141
10	115	$30,736	$8,704	$22,031	$4,836,109
10	116	$30,736	$8,665	$22,071	$4,814,038
10	117	$30,736	$8,625	$22,110	$4,791,928
10	118	$30,736	$8,586	$22,150	$4,769,778
10	119	$30,736	$8,546	$22,190	$4,747,588
10	120	$30,736	$8,506	$22,229	$4,725,359
11	121	$30,736	$8,466	$22,269	$4,703,090
11	122	$30,736	$8,426	$22,309	$4,680,780
11	123	$30,736	$8,386	$22,349	$4,658,431
11	124	$30,736	$8,346	$22,389	$4,636,042
11	125	$30,736	$8,306	$22,429	$4,613,613
11	126	$30,736	$8,266	$22,470	$4,591,143
11	127	$30,736	$8,226	$22,510	$4,568,633
11	128	$30,736	$8,185	$22,550	$4,546,083
11	129	$30,736	$8,145	$22,591	$4,523,493
11	130	$30,736	$8,105	$22,631	$4,500,862
11	131	$30,736	$8,064	$22,672	$4,478,190
11	132	$30,736	$8,023	$22,712	$4,455,478
12	133	$30,736	$7,983	$22,753	$4,432,725
12	134	$30,736	$7,942	$22,794	$4,409,932
12	135	$30,736	$7,901	$22,834	$4,387,097
12	136	$30,736	$7,860	$22,875	$4,364,222
12	137	$30,736	$7,819	$22,916	$4,341,305
12	138	$30,736	$7,778	$22,957	$4,318,348
12	139	$30,736	$7,737	$22,999	$4,295,350
12	140	$30,736	$7,696	$23,040	$4,272,310
12	141	$30,736	$7,655	$23,081	$4,249,229
12	142	$30,736	$7,613	$23,122	$4,226,106
12	143	$30,736	$7,572	$23,164	$4,202,943
12	144	$30,736	$7,530	$23,205	$4,179,737
13	145	$30,736	$7,489	$23,247	$4,156,490
13	146	$30,736	$7,447	$23,289	$4,133,202
13	147	$30,736	$7,405	$23,330	$4,109,872
13	148	$30,736	$7,364	$23,372	$4,086,500
13	149	$30,736	$7,322	$23,414	$4,063,086
13	150	$30,736	$7,280	$23,456	$4,039,630
13	151	$30,736	$7,238	$23,498	$4,016,132
13	152	$30,736	$7,196	$23,540	$3,992,592
13	153	$30,736	$7,153	$23,582	$3,969,010
13	154	$30,736	$7,111	$23,624	$3,945,385
13	155	$30,736	$7,069	$23,667	$3,921,719
13	156	$30,736	$7,026	$23,709	$3,898,009
14	157	$30,736	$6,984	$23,752	$3,874,258
14	158	$30,736	$6,941	$23,794	$3,850,464
14	159	$30,736	$6,899	$23,837	$3,826,627
14	160	$30,736	$6,856	$23,880	$3,802,747
14	161	$30,736	$6,813	$23,922	$3,778,825
14	162	$30,736	$6,770	$23,965	$3,754,860
14	163	$30,736	$6,727	$24,008	$3,730,852
14	164	$30,736	$6,684	$24,051	$3,706,800
14	165	$30,736	$6,641	$24,094	$3,682,706
14	166	$30,736	$6,598	$24,137	$3,658,569
14	167	$30,736	$6,555	$24,181	$3,634,388
14	168	$30,736	$6,512	$24,224	$3,610,164
15	169	$30,736	$6,468	$24,267	$3,585,897
15	170	$30,736	$6,425	$24,311	$3,561,586
15	171	$30,736	$6,381	$24,354	$3,537,232
15	172	$30,736	$6,338	$24,398	$3,512,834
15	173	$30,736	$6,294	$24,442	$3,488,392
15	174	$30,736	$6,250	$24,486	$3,463,906
15	175	$30,736	$6,206	$24,529	$3,439,377
15	176	$30,736	$6,162	$24,573	$3,414,804
15	177	$30,736	$6,118	$24,617	$3,390,186
15	178	$30,736	$6,074	$24,661	$3,365,525
15	179	$30,736	$6,030	$24,706	$3,340,819
15	180	$30,736	$5,986	$24,750	$3,316,069
16	181	$30,736	$5,941	$24,794	$3,291,275
16	182	$30,736	$5,897	$24,839	$3,266,436
16	183	$30,736	$5,852	$24,883	$3,241,553
16	184	$30,736	$5,808	$24,928	$3,216,625
16	185	$30,736	$5,763	$24,972	$3,191,653
16	186	$30,736	$5,718	$25,017	$3,166,635
16	187	$30,736	$5,674	$25,062	$3,141,573
16	188	$30,736	$5,629	$25,107	$3,116,466
16	189	$30,736	$5,584	$25,152	$3,091,315
16	190	$30,736	$5,539	$25,197	$3,066,118
16	191	$30,736	$5,493	$25,242	$3,040,875
16	192	$30,736	$5,448	$25,287	$3,015,588
17	193	$30,736	$5,403	$25,333	$2,990,255
17	194	$30,736	$5,358	$25,378	$2,964,877
17	195	$30,736	$5,312	$25,424	$2,939,454
17	196	$30,736	$5,267	$25,469	$2,913,985
17	197	$30,736	$5,221	$25,515	$2,888,470
17	198	$30,736	$5,175	$25,560	$2,862,910
17	199	$30,736	$5,129	$25,606	$2,837,304
17	200	$30,736	$5,084	$25,652	$2,811,652
17	201	$30,736	$5,038	$25,698	$2,785,954
17	202	$30,736	$4,992	$25,744	$2,760,209
17	203	$30,736	$4,945	$25,790	$2,734,419
17	204	$30,736	$4,899	$25,836	$2,708,583
18	205	$30,736	$4,853	$25,883	$2,682,700
18	206	$30,736	$4,807	$25,929	$2,656,771
18	207	$30,736	$4,760	$25,976	$2,630,796
18	208	$30,736	$4,714	$26,022	$2,604,774
18	209	$30,736	$4,667	$26,069	$2,578,705
18	210	$30,736	$4,620	$26,115	$2,552,589
18	211	$30,736	$4,573	$26,162	$2,526,427
18	212	$30,736	$4,527	$26,209	$2,500,218
18	213	$30,736	$4,480	$26,256	$2,473,962
18	214	$30,736	$4,433	$26,303	$2,447,659
18	215	$30,736	$4,385	$26,350	$2,421,309
18	216	$30,736	$4,338	$26,397	$2,394,912
19	217	$30,736	$4,291	$26,445	$2,368,467
19	218	$30,736	$4,244	$26,492	$2,341,975
19	219	$30,736	$4,196	$26,540	$2,315,435
19	220	$30,736	$4,148	$26,587	$2,288,848
19	221	$30,736	$4,101	$26,635	$2,262,213
19	222	$30,736	$4,053	$26,682	$2,235,531
19	223	$30,736	$4,005	$26,730	$2,208,801
19	224	$30,736	$3,957	$26,778	$2,182,023
19	225	$30,736	$3,909	$26,826	$2,155,196
19	226	$30,736	$3,861	$26,874	$2,128,322
19	227	$30,736	$3,813	$26,922	$2,101,400
19	228	$30,736	$3,765	$26,971	$2,074,429
20	229	$30,736	$3,717	$27,019	$2,047,411
20	230	$30,736	$3,668	$27,067	$2,020,343
20	231	$30,736	$3,620	$27,116	$1,993,227
20	232	$30,736	$3,571	$27,164	$1,966,063
20	233	$30,736	$3,523	$27,213	$1,938,850
20	234	$30,736	$3,474	$27,262	$1,911,588
20	235	$30,736	$3,425	$27,311	$1,884,278
20	236	$30,736	$3,376	$27,360	$1,856,918
20	237	$30,736	$3,327	$27,409	$1,829,509
20	238	$30,736	$3,278	$27,458	$1,802,052
20	239	$30,736	$3,229	$27,507	$1,774,545
20	240	$30,736	$3,179	$27,556	$1,746,989
21	241	$30,736	$3,130	$27,606	$1,719,383
21	242	$30,736	$3,081	$27,655	$1,691,728
21	243	$30,736	$3,031	$27,705	$1,664,024
21	244	$30,736	$2,981	$27,754	$1,636,269
21	245	$30,736	$2,932	$27,804	$1,608,465
21	246	$30,736	$2,882	$27,854	$1,580,612
21	247	$30,736	$2,832	$27,904	$1,552,708
21	248	$30,736	$2,782	$27,954	$1,524,754
21	249	$30,736	$2,732	$28,004	$1,496,751
21	250	$30,736	$2,682	$28,054	$1,468,697
21	251	$30,736	$2,631	$28,104	$1,440,593
21	252	$30,736	$2,581	$28,155	$1,412,438
22	253	$30,736	$2,531	$28,205	$1,384,233
22	254	$30,736	$2,480	$28,255	$1,355,978
22	255	$30,736	$2,429	$28,306	$1,327,672
22	256	$30,736	$2,379	$28,357	$1,299,315
22	257	$30,736	$2,328	$28,408	$1,270,907
22	258	$30,736	$2,277	$28,459	$1,242,449
22	259	$30,736	$2,226	$28,510	$1,213,939
22	260	$30,736	$2,175	$28,561	$1,185,378
22	261	$30,736	$2,124	$28,612	$1,156,767
22	262	$30,736	$2,073	$28,663	$1,128,104
22	263	$30,736	$2,021	$28,714	$1,099,389
22	264	$30,736	$1,970	$28,766	$1,070,623
23	265	$30,736	$1,918	$28,817	$1,041,806
23	266	$30,736	$1,867	$28,869	$1,012,937
23	267	$30,736	$1,815	$28,921	$984,016
23	268	$30,736	$1,763	$28,973	$955,044
23	269	$30,736	$1,711	$29,024	$926,019
23	270	$30,736	$1,659	$29,076	$896,943
23	271	$30,736	$1,607	$29,129	$867,814
23	272	$30,736	$1,555	$29,181	$838,634
23	273	$30,736	$1,503	$29,233	$809,401
23	274	$30,736	$1,450	$29,285	$780,115
23	275	$30,736	$1,398	$29,338	$750,777
23	276	$30,736	$1,345	$29,390	$721,387
24	277	$30,736	$1,292	$29,443	$691,944
24	278	$30,736	$1,240	$29,496	$662,448
24	279	$30,736	$1,187	$29,549	$632,899
24	280	$30,736	$1,134	$29,602	$603,298
24	281	$30,736	$1,081	$29,655	$573,643
24	282	$30,736	$1,028	$29,708	$543,935
24	283	$30,736	$975	$29,761	$514,174
24	284	$30,736	$921	$29,814	$484,360
24	285	$30,736	$868	$29,868	$454,492
24	286	$30,736	$814	$29,921	$424,571
24	287	$30,736	$761	$29,975	$394,596
24	288	$30,736	$707	$30,029	$364,567
25	289	$30,736	$653	$30,082	$334,485
25	290	$30,736	$599	$30,136	$304,349
25	291	$30,736	$545	$30,190	$274,158
25	292	$30,736	$491	$30,244	$243,914
25	293	$30,736	$437	$30,299	$213,615
25	294	$30,736	$383	$30,353	$183,263
25	295	$30,736	$328	$30,407	$152,855
25	296	$30,736	$274	$30,462	$122,394
25	297	$30,736	$219	$30,516	$91,877
25	298	$30,736	$165	$30,571	$61,306
25	299	$30,736	$110	$30,626	$30,681
25	300	$30,736	$55	$30,681	$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$ 4,752,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,870,800

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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.