Century 21 Centaland Property

Down Payment (HKD)

$4,400,000

Monthly Repayment (HKD)

$28,459

Loan Amount (HKD)

$6,600,000

Total Interest (HKD)

$1,937,659

Total Repayment (HKD)

$8,537,659

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$28,459	$11,825	$16,634	$6,583,366
1	2	$28,459	$11,795	$16,664	$6,566,702
1	3	$28,459	$11,765	$16,694	$6,550,009
1	4	$28,459	$11,735	$16,723	$6,533,286
1	5	$28,459	$11,705	$16,753	$6,516,532
1	6	$28,459	$11,675	$16,783	$6,499,749
1	7	$28,459	$11,645	$16,813	$6,482,935
1	8	$28,459	$11,615	$16,844	$6,466,092
1	9	$28,459	$11,585	$16,874	$6,449,218
1	10	$28,459	$11,555	$16,904	$6,432,314
1	11	$28,459	$11,525	$16,934	$6,415,380
1	12	$28,459	$11,494	$16,965	$6,398,415
2	13	$28,459	$11,464	$16,995	$6,381,420
2	14	$28,459	$11,433	$17,025	$6,364,394
2	15	$28,459	$11,403	$17,056	$6,347,338
2	16	$28,459	$11,372	$17,087	$6,330,252
2	17	$28,459	$11,342	$17,117	$6,313,135
2	18	$28,459	$11,311	$17,148	$6,295,987
2	19	$28,459	$11,280	$17,179	$6,278,808
2	20	$28,459	$11,250	$17,209	$6,261,599
2	21	$28,459	$11,219	$17,240	$6,244,359
2	22	$28,459	$11,188	$17,271	$6,227,088
2	23	$28,459	$11,157	$17,302	$6,209,786
2	24	$28,459	$11,126	$17,333	$6,192,453
3	25	$28,459	$11,095	$17,364	$6,175,089
3	26	$28,459	$11,064	$17,395	$6,157,694
3	27	$28,459	$11,033	$17,426	$6,140,267
3	28	$28,459	$11,001	$17,458	$6,122,810
3	29	$28,459	$10,970	$17,489	$6,105,321
3	30	$28,459	$10,939	$17,520	$6,087,801
3	31	$28,459	$10,907	$17,552	$6,070,249
3	32	$28,459	$10,876	$17,583	$6,052,666
3	33	$28,459	$10,844	$17,615	$6,035,052
3	34	$28,459	$10,813	$17,646	$6,017,406
3	35	$28,459	$10,781	$17,678	$5,999,728
3	36	$28,459	$10,750	$17,709	$5,982,018
4	37	$28,459	$10,718	$17,741	$5,964,277
4	38	$28,459	$10,686	$17,773	$5,946,505
4	39	$28,459	$10,654	$17,805	$5,928,700
4	40	$28,459	$10,622	$17,837	$5,910,863
4	41	$28,459	$10,590	$17,869	$5,892,995
4	42	$28,459	$10,558	$17,901	$5,875,094
4	43	$28,459	$10,526	$17,933	$5,857,161
4	44	$28,459	$10,494	$17,965	$5,839,197
4	45	$28,459	$10,462	$17,997	$5,821,200
4	46	$28,459	$10,430	$18,029	$5,803,170
4	47	$28,459	$10,397	$18,062	$5,785,109
4	48	$28,459	$10,365	$18,094	$5,767,015
5	49	$28,459	$10,333	$18,126	$5,748,889
5	50	$28,459	$10,300	$18,159	$5,730,730
5	51	$28,459	$10,268	$18,191	$5,712,539
5	52	$28,459	$10,235	$18,224	$5,694,315
5	53	$28,459	$10,202	$18,257	$5,676,058
5	54	$28,459	$10,170	$18,289	$5,657,769
5	55	$28,459	$10,137	$18,322	$5,639,447
5	56	$28,459	$10,104	$18,355	$5,621,092
5	57	$28,459	$10,071	$18,388	$5,602,704
5	58	$28,459	$10,038	$18,421	$5,584,284
5	59	$28,459	$10,005	$18,454	$5,565,830
5	60	$28,459	$9,972	$18,487	$5,547,343
6	61	$28,459	$9,939	$18,520	$5,528,823
6	62	$28,459	$9,906	$18,553	$5,510,270
6	63	$28,459	$9,873	$18,586	$5,491,684
6	64	$28,459	$9,839	$18,620	$5,473,064
6	65	$28,459	$9,806	$18,653	$5,454,411
6	66	$28,459	$9,772	$18,686	$5,435,725
6	67	$28,459	$9,739	$18,720	$5,417,005
6	68	$28,459	$9,705	$18,753	$5,398,252
6	69	$28,459	$9,672	$18,787	$5,379,465
6	70	$28,459	$9,638	$18,821	$5,360,644
6	71	$28,459	$9,604	$18,854	$5,341,790
6	72	$28,459	$9,571	$18,888	$5,322,902
7	73	$28,459	$9,537	$18,922	$5,303,980
7	74	$28,459	$9,503	$18,956	$5,285,024
7	75	$28,459	$9,469	$18,990	$5,266,034
7	76	$28,459	$9,435	$19,024	$5,247,010
7	77	$28,459	$9,401	$19,058	$5,227,952
7	78	$28,459	$9,367	$19,092	$5,208,860
7	79	$28,459	$9,333	$19,126	$5,189,734
7	80	$28,459	$9,298	$19,161	$5,170,573
7	81	$28,459	$9,264	$19,195	$5,151,378
7	82	$28,459	$9,230	$19,229	$5,132,149
7	83	$28,459	$9,195	$19,264	$5,112,885
7	84	$28,459	$9,161	$19,298	$5,093,587
8	85	$28,459	$9,126	$19,333	$5,074,254
8	86	$28,459	$9,091	$19,367	$5,054,886
8	87	$28,459	$9,057	$19,402	$5,035,484
8	88	$28,459	$9,022	$19,437	$5,016,047
8	89	$28,459	$8,987	$19,472	$4,996,575
8	90	$28,459	$8,952	$19,507	$4,977,069
8	91	$28,459	$8,917	$19,542	$4,957,527
8	92	$28,459	$8,882	$19,577	$4,937,951
8	93	$28,459	$8,847	$19,612	$4,918,339
8	94	$28,459	$8,812	$19,647	$4,898,692
8	95	$28,459	$8,777	$19,682	$4,879,010
8	96	$28,459	$8,742	$19,717	$4,859,293
9	97	$28,459	$8,706	$19,753	$4,839,540
9	98	$28,459	$8,671	$19,788	$4,819,752
9	99	$28,459	$8,635	$19,823	$4,799,929
9	100	$28,459	$8,600	$19,859	$4,780,070
9	101	$28,459	$8,564	$19,895	$4,760,175
9	102	$28,459	$8,529	$19,930	$4,740,245
9	103	$28,459	$8,493	$19,966	$4,720,279
9	104	$28,459	$8,457	$20,002	$4,700,277
9	105	$28,459	$8,421	$20,038	$4,680,240
9	106	$28,459	$8,385	$20,073	$4,660,166
9	107	$28,459	$8,349	$20,109	$4,640,057
9	108	$28,459	$8,313	$20,145	$4,619,911
10	109	$28,459	$8,277	$20,182	$4,599,730
10	110	$28,459	$8,241	$20,218	$4,579,512
10	111	$28,459	$8,205	$20,254	$4,559,258
10	112	$28,459	$8,169	$20,290	$4,538,968
10	113	$28,459	$8,132	$20,327	$4,518,641
10	114	$28,459	$8,096	$20,363	$4,498,278
10	115	$28,459	$8,059	$20,399	$4,477,879
10	116	$28,459	$8,023	$20,436	$4,457,443
10	117	$28,459	$7,986	$20,473	$4,436,970
10	118	$28,459	$7,950	$20,509	$4,416,461
10	119	$28,459	$7,913	$20,546	$4,395,915
10	120	$28,459	$7,876	$20,583	$4,375,332
11	121	$28,459	$7,839	$20,620	$4,354,713
11	122	$28,459	$7,802	$20,657	$4,334,056
11	123	$28,459	$7,765	$20,694	$4,313,362
11	124	$28,459	$7,728	$20,731	$4,292,631
11	125	$28,459	$7,691	$20,768	$4,271,864
11	126	$28,459	$7,654	$20,805	$4,251,058
11	127	$28,459	$7,616	$20,842	$4,230,216
11	128	$28,459	$7,579	$20,880	$4,209,336
11	129	$28,459	$7,542	$20,917	$4,188,419
11	130	$28,459	$7,504	$20,955	$4,167,465
11	131	$28,459	$7,467	$20,992	$4,146,472
11	132	$28,459	$7,429	$21,030	$4,125,443
12	133	$28,459	$7,391	$21,067	$4,104,375
12	134	$28,459	$7,354	$21,105	$4,083,270
12	135	$28,459	$7,316	$21,143	$4,062,127
12	136	$28,459	$7,278	$21,181	$4,040,946
12	137	$28,459	$7,240	$21,219	$4,019,727
12	138	$28,459	$7,202	$21,257	$3,998,470
12	139	$28,459	$7,164	$21,295	$3,977,175
12	140	$28,459	$7,126	$21,333	$3,955,842
12	141	$28,459	$7,088	$21,371	$3,934,471
12	142	$28,459	$7,049	$21,410	$3,913,061
12	143	$28,459	$7,011	$21,448	$3,891,614
12	144	$28,459	$6,972	$21,486	$3,870,127
13	145	$28,459	$6,934	$21,525	$3,848,602
13	146	$28,459	$6,895	$21,563	$3,827,039
13	147	$28,459	$6,857	$21,602	$3,805,437
13	148	$28,459	$6,818	$21,641	$3,783,796
13	149	$28,459	$6,779	$21,680	$3,762,116
13	150	$28,459	$6,740	$21,718	$3,740,398
13	151	$28,459	$6,702	$21,757	$3,718,641
13	152	$28,459	$6,663	$21,796	$3,696,844
13	153	$28,459	$6,624	$21,835	$3,675,009
13	154	$28,459	$6,584	$21,874	$3,653,135
13	155	$28,459	$6,545	$21,914	$3,631,221
13	156	$28,459	$6,506	$21,953	$3,609,268
14	157	$28,459	$6,467	$21,992	$3,587,276
14	158	$28,459	$6,427	$22,032	$3,565,244
14	159	$28,459	$6,388	$22,071	$3,543,173
14	160	$28,459	$6,348	$22,111	$3,521,062
14	161	$28,459	$6,309	$22,150	$3,498,912
14	162	$28,459	$6,269	$22,190	$3,476,722
14	163	$28,459	$6,229	$22,230	$3,454,492
14	164	$28,459	$6,189	$22,270	$3,432,223
14	165	$28,459	$6,149	$22,309	$3,409,913
14	166	$28,459	$6,109	$22,349	$3,387,564
14	167	$28,459	$6,069	$22,389	$3,365,174
14	168	$28,459	$6,029	$22,430	$3,342,745
15	169	$28,459	$5,989	$22,470	$3,320,275
15	170	$28,459	$5,949	$22,510	$3,297,765
15	171	$28,459	$5,908	$22,550	$3,275,214
15	172	$28,459	$5,868	$22,591	$3,252,624
15	173	$28,459	$5,828	$22,631	$3,229,992
15	174	$28,459	$5,787	$22,672	$3,207,321
15	175	$28,459	$5,746	$22,712	$3,184,608
15	176	$28,459	$5,706	$22,753	$3,161,855
15	177	$28,459	$5,665	$22,794	$3,139,061
15	178	$28,459	$5,624	$22,835	$3,116,227
15	179	$28,459	$5,583	$22,876	$3,093,351
15	180	$28,459	$5,542	$22,917	$3,070,434
16	181	$28,459	$5,501	$22,958	$3,047,477
16	182	$28,459	$5,460	$22,999	$3,024,478
16	183	$28,459	$5,419	$23,040	$3,001,438
16	184	$28,459	$5,378	$23,081	$2,978,357
16	185	$28,459	$5,336	$23,123	$2,955,234
16	186	$28,459	$5,295	$23,164	$2,932,070
16	187	$28,459	$5,253	$23,206	$2,908,864
16	188	$28,459	$5,212	$23,247	$2,885,617
16	189	$28,459	$5,170	$23,289	$2,862,328
16	190	$28,459	$5,128	$23,331	$2,838,998
16	191	$28,459	$5,087	$23,372	$2,815,625
16	192	$28,459	$5,045	$23,414	$2,792,211
17	193	$28,459	$5,003	$23,456	$2,768,755
17	194	$28,459	$4,961	$23,498	$2,745,257
17	195	$28,459	$4,919	$23,540	$2,721,717
17	196	$28,459	$4,876	$23,582	$2,698,134
17	197	$28,459	$4,834	$23,625	$2,674,509
17	198	$28,459	$4,792	$23,667	$2,650,842
17	199	$28,459	$4,749	$23,709	$2,627,133
17	200	$28,459	$4,707	$23,752	$2,603,381
17	201	$28,459	$4,664	$23,794	$2,579,587
17	202	$28,459	$4,622	$23,837	$2,555,749
17	203	$28,459	$4,579	$23,880	$2,531,870
17	204	$28,459	$4,536	$23,923	$2,507,947
18	205	$28,459	$4,493	$23,965	$2,483,982
18	206	$28,459	$4,450	$24,008	$2,459,973
18	207	$28,459	$4,407	$24,051	$2,435,922
18	208	$28,459	$4,364	$24,095	$2,411,827
18	209	$28,459	$4,321	$24,138	$2,387,690
18	210	$28,459	$4,278	$24,181	$2,363,509
18	211	$28,459	$4,235	$24,224	$2,339,284
18	212	$28,459	$4,191	$24,268	$2,315,017
18	213	$28,459	$4,148	$24,311	$2,290,706
18	214	$28,459	$4,104	$24,355	$2,266,351
18	215	$28,459	$4,061	$24,398	$2,241,953
18	216	$28,459	$4,017	$24,442	$2,217,511
19	217	$28,459	$3,973	$24,486	$2,193,025
19	218	$28,459	$3,929	$24,530	$2,168,495
19	219	$28,459	$3,885	$24,574	$2,143,922
19	220	$28,459	$3,841	$24,618	$2,119,304
19	221	$28,459	$3,797	$24,662	$2,094,642
19	222	$28,459	$3,753	$24,706	$2,069,936
19	223	$28,459	$3,709	$24,750	$2,045,186
19	224	$28,459	$3,664	$24,795	$2,020,391
19	225	$28,459	$3,620	$24,839	$1,995,552
19	226	$28,459	$3,575	$24,883	$1,970,669
19	227	$28,459	$3,531	$24,928	$1,945,741
19	228	$28,459	$3,486	$24,973	$1,920,768
20	229	$28,459	$3,441	$25,017	$1,895,750
20	230	$28,459	$3,397	$25,062	$1,870,688
20	231	$28,459	$3,352	$25,107	$1,845,581
20	232	$28,459	$3,307	$25,152	$1,820,429
20	233	$28,459	$3,262	$25,197	$1,795,232
20	234	$28,459	$3,216	$25,242	$1,769,989
20	235	$28,459	$3,171	$25,288	$1,744,701
20	236	$28,459	$3,126	$25,333	$1,719,369
20	237	$28,459	$3,081	$25,378	$1,693,990
20	238	$28,459	$3,035	$25,424	$1,668,566
20	239	$28,459	$2,990	$25,469	$1,643,097
20	240	$28,459	$2,944	$25,515	$1,617,582
21	241	$28,459	$2,898	$25,561	$1,592,021
21	242	$28,459	$2,852	$25,606	$1,566,415
21	243	$28,459	$2,806	$25,652	$1,540,763
21	244	$28,459	$2,761	$25,698	$1,515,064
21	245	$28,459	$2,714	$25,744	$1,489,320
21	246	$28,459	$2,668	$25,790	$1,463,529
21	247	$28,459	$2,622	$25,837	$1,437,693
21	248	$28,459	$2,576	$25,883	$1,411,810
21	249	$28,459	$2,529	$25,929	$1,385,880
21	250	$28,459	$2,483	$25,976	$1,359,904
21	251	$28,459	$2,436	$26,022	$1,333,882
21	252	$28,459	$2,390	$26,069	$1,307,813
22	253	$28,459	$2,343	$26,116	$1,281,697
22	254	$28,459	$2,296	$26,162	$1,255,535
22	255	$28,459	$2,249	$26,209	$1,229,325
22	256	$28,459	$2,203	$26,256	$1,203,069
22	257	$28,459	$2,155	$26,303	$1,176,766
22	258	$28,459	$2,108	$26,350	$1,150,415
22	259	$28,459	$2,061	$26,398	$1,124,018
22	260	$28,459	$2,014	$26,445	$1,097,573
22	261	$28,459	$1,966	$26,492	$1,071,080
22	262	$28,459	$1,919	$26,540	$1,044,540
22	263	$28,459	$1,871	$26,587	$1,017,953
22	264	$28,459	$1,824	$26,635	$991,318
23	265	$28,459	$1,776	$26,683	$964,635
23	266	$28,459	$1,728	$26,731	$937,905
23	267	$28,459	$1,680	$26,778	$911,126
23	268	$28,459	$1,632	$26,826	$884,300
23	269	$28,459	$1,584	$26,874	$857,425
23	270	$28,459	$1,536	$26,923	$830,503
23	271	$28,459	$1,488	$26,971	$803,532
23	272	$28,459	$1,440	$27,019	$776,513
23	273	$28,459	$1,391	$27,068	$749,445
23	274	$28,459	$1,343	$27,116	$722,329
23	275	$28,459	$1,294	$27,165	$695,164
23	276	$28,459	$1,246	$27,213	$667,951
24	277	$28,459	$1,197	$27,262	$640,689
24	278	$28,459	$1,148	$27,311	$613,378
24	279	$28,459	$1,099	$27,360	$586,018
24	280	$28,459	$1,050	$27,409	$558,609
24	281	$28,459	$1,001	$27,458	$531,151
24	282	$28,459	$952	$27,507	$503,644
24	283	$28,459	$902	$27,557	$476,087
24	284	$28,459	$853	$27,606	$448,481
24	285	$28,459	$804	$27,655	$420,826
24	286	$28,459	$754	$27,705	$393,121
24	287	$28,459	$704	$27,755	$365,367
24	288	$28,459	$655	$27,804	$337,562
25	289	$28,459	$605	$27,854	$309,708
25	290	$28,459	$555	$27,904	$281,804
25	291	$28,459	$505	$27,954	$253,850
25	292	$28,459	$455	$28,004	$225,846
25	293	$28,459	$405	$28,054	$197,792
25	294	$28,459	$354	$28,104	$169,688
25	295	$28,459	$304	$28,155	$141,533
25	296	$28,459	$254	$28,205	$113,327
25	297	$28,459	$203	$28,256	$85,072
25	298	$28,459	$152	$28,306	$56,765
25	299	$28,459	$102	$28,357	$28,408
25	300	$28,459	$51	$28,408	$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$ 4,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,510,000

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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.