Century 21 Centaland Property

Down Payment (HKD)

$5,440,000

Monthly Repayment (HKD)

$35,186

Loan Amount (HKD)

$8,160,000

Total Interest (HKD)

$2,395,651

Total Repayment (HKD)

$10,555,651

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$35,186	$14,620	$20,566	$8,139,434
1	2	$35,186	$14,583	$20,602	$8,118,832
1	3	$35,186	$14,546	$20,639	$8,098,193
1	4	$35,186	$14,509	$20,676	$8,077,517
1	5	$35,186	$14,472	$20,713	$8,056,803
1	6	$35,186	$14,435	$20,750	$8,036,053
1	7	$35,186	$14,398	$20,788	$8,015,265
1	8	$35,186	$14,361	$20,825	$7,994,441
1	9	$35,186	$14,323	$20,862	$7,973,578
1	10	$35,186	$14,286	$20,900	$7,952,679
1	11	$35,186	$14,249	$20,937	$7,931,742
1	12	$35,186	$14,211	$20,974	$7,910,767
2	13	$35,186	$14,173	$21,012	$7,889,755
2	14	$35,186	$14,136	$21,050	$7,868,706
2	15	$35,186	$14,098	$21,087	$7,847,618
2	16	$35,186	$14,060	$21,125	$7,826,493
2	17	$35,186	$14,022	$21,163	$7,805,330
2	18	$35,186	$13,985	$21,201	$7,784,129
2	19	$35,186	$13,947	$21,239	$7,762,890
2	20	$35,186	$13,909	$21,277	$7,741,613
2	21	$35,186	$13,870	$21,315	$7,720,298
2	22	$35,186	$13,832	$21,353	$7,698,945
2	23	$35,186	$13,794	$21,392	$7,677,553
2	24	$35,186	$13,756	$21,430	$7,656,123
3	25	$35,186	$13,717	$21,468	$7,634,655
3	26	$35,186	$13,679	$21,507	$7,613,148
3	27	$35,186	$13,640	$21,545	$7,591,603
3	28	$35,186	$13,602	$21,584	$7,570,019
3	29	$35,186	$13,563	$21,623	$7,548,397
3	30	$35,186	$13,524	$21,661	$7,526,735
3	31	$35,186	$13,485	$21,700	$7,505,035
3	32	$35,186	$13,447	$21,739	$7,483,296
3	33	$35,186	$13,408	$21,778	$7,461,518
3	34	$35,186	$13,369	$21,817	$7,439,701
3	35	$35,186	$13,329	$21,856	$7,417,845
3	36	$35,186	$13,290	$21,895	$7,395,950
4	37	$35,186	$13,251	$21,934	$7,374,016
4	38	$35,186	$13,212	$21,974	$7,352,042
4	39	$35,186	$13,172	$22,013	$7,330,029
4	40	$35,186	$13,133	$22,053	$7,307,976
4	41	$35,186	$13,093	$22,092	$7,285,884
4	42	$35,186	$13,054	$22,132	$7,263,753
4	43	$35,186	$13,014	$22,171	$7,241,581
4	44	$35,186	$12,974	$22,211	$7,219,370
4	45	$35,186	$12,935	$22,251	$7,197,120
4	46	$35,186	$12,895	$22,291	$7,174,829
4	47	$35,186	$12,855	$22,331	$7,152,498
4	48	$35,186	$12,815	$22,371	$7,130,128
5	49	$35,186	$12,775	$22,411	$7,107,717
5	50	$35,186	$12,735	$22,451	$7,085,266
5	51	$35,186	$12,694	$22,491	$7,062,775
5	52	$35,186	$12,654	$22,531	$7,040,244
5	53	$35,186	$12,614	$22,572	$7,017,672
5	54	$35,186	$12,573	$22,612	$6,995,060
5	55	$35,186	$12,533	$22,653	$6,972,407
5	56	$35,186	$12,492	$22,693	$6,949,714
5	57	$35,186	$12,452	$22,734	$6,926,980
5	58	$35,186	$12,411	$22,775	$6,904,205
5	59	$35,186	$12,370	$22,815	$6,881,390
5	60	$35,186	$12,329	$22,856	$6,858,533
6	61	$35,186	$12,288	$22,897	$6,835,636
6	62	$35,186	$12,247	$22,938	$6,812,698
6	63	$35,186	$12,206	$22,979	$6,789,718
6	64	$35,186	$12,165	$23,021	$6,766,698
6	65	$35,186	$12,124	$23,062	$6,743,636
6	66	$35,186	$12,082	$23,103	$6,720,533
6	67	$35,186	$12,041	$23,145	$6,697,388
6	68	$35,186	$11,999	$23,186	$6,674,202
6	69	$35,186	$11,958	$23,228	$6,650,975
6	70	$35,186	$11,916	$23,269	$6,627,706
6	71	$35,186	$11,875	$23,311	$6,604,395
6	72	$35,186	$11,833	$23,353	$6,581,042
7	73	$35,186	$11,791	$23,394	$6,557,648
7	74	$35,186	$11,749	$23,436	$6,534,211
7	75	$35,186	$11,707	$23,478	$6,510,733
7	76	$35,186	$11,665	$23,520	$6,487,212
7	77	$35,186	$11,623	$23,563	$6,463,650
7	78	$35,186	$11,581	$23,605	$6,440,045
7	79	$35,186	$11,538	$23,647	$6,416,398
7	80	$35,186	$11,496	$23,689	$6,392,708
7	81	$35,186	$11,454	$23,732	$6,368,977
7	82	$35,186	$11,411	$23,774	$6,345,202
7	83	$35,186	$11,368	$23,817	$6,321,385
7	84	$35,186	$11,326	$23,860	$6,297,525
8	85	$35,186	$11,283	$23,902	$6,273,623
8	86	$35,186	$11,240	$23,945	$6,249,678
8	87	$35,186	$11,197	$23,988	$6,225,690
8	88	$35,186	$11,154	$24,031	$6,201,658
8	89	$35,186	$11,111	$24,074	$6,177,584
8	90	$35,186	$11,068	$24,117	$6,153,467
8	91	$35,186	$11,025	$24,161	$6,129,306
8	92	$35,186	$10,982	$24,204	$6,105,102
8	93	$35,186	$10,938	$24,247	$6,080,855
8	94	$35,186	$10,895	$24,291	$6,056,565
8	95	$35,186	$10,851	$24,334	$6,032,230
8	96	$35,186	$10,808	$24,378	$6,007,853
9	97	$35,186	$10,764	$24,421	$5,983,431
9	98	$35,186	$10,720	$24,465	$5,958,966
9	99	$35,186	$10,676	$24,509	$5,934,457
9	100	$35,186	$10,633	$24,553	$5,909,904
9	101	$35,186	$10,589	$24,597	$5,885,307
9	102	$35,186	$10,545	$24,641	$5,860,666
9	103	$35,186	$10,500	$24,685	$5,835,981
9	104	$35,186	$10,456	$24,729	$5,811,252
9	105	$35,186	$10,412	$24,774	$5,786,478
9	106	$35,186	$10,367	$24,818	$5,761,660
9	107	$35,186	$10,323	$24,863	$5,736,797
9	108	$35,186	$10,278	$24,907	$5,711,890
10	109	$35,186	$10,234	$24,952	$5,686,939
10	110	$35,186	$10,189	$24,996	$5,661,942
10	111	$35,186	$10,144	$25,041	$5,636,901
10	112	$35,186	$10,099	$25,086	$5,611,815
10	113	$35,186	$10,055	$25,131	$5,586,684
10	114	$35,186	$10,009	$25,176	$5,561,508
10	115	$35,186	$9,964	$25,221	$5,536,287
10	116	$35,186	$9,919	$25,266	$5,511,020
10	117	$35,186	$9,874	$25,312	$5,485,709
10	118	$35,186	$9,829	$25,357	$5,460,352
10	119	$35,186	$9,783	$25,402	$5,434,950
10	120	$35,186	$9,738	$25,448	$5,409,502
11	121	$35,186	$9,692	$25,493	$5,384,008
11	122	$35,186	$9,646	$25,539	$5,358,469
11	123	$35,186	$9,601	$25,585	$5,332,884
11	124	$35,186	$9,555	$25,631	$5,307,253
11	125	$35,186	$9,509	$25,677	$5,281,577
11	126	$35,186	$9,463	$25,723	$5,255,854
11	127	$35,186	$9,417	$25,769	$5,230,085
11	128	$35,186	$9,371	$25,815	$5,204,270
11	129	$35,186	$9,324	$25,861	$5,178,409
11	130	$35,186	$9,278	$25,908	$5,152,502
11	131	$35,186	$9,232	$25,954	$5,126,548
11	132	$35,186	$9,185	$26,000	$5,100,547
12	133	$35,186	$9,138	$26,047	$5,074,500
12	134	$35,186	$9,092	$26,094	$5,048,407
12	135	$35,186	$9,045	$26,140	$5,022,266
12	136	$35,186	$8,998	$26,187	$4,996,079
12	137	$35,186	$8,951	$26,234	$4,969,845
12	138	$35,186	$8,904	$26,281	$4,943,563
12	139	$35,186	$8,857	$26,328	$4,917,235
12	140	$35,186	$8,810	$26,375	$4,890,860
12	141	$35,186	$8,763	$26,423	$4,864,437
12	142	$35,186	$8,715	$26,470	$4,837,967
12	143	$35,186	$8,668	$26,517	$4,811,449
12	144	$35,186	$8,621	$26,565	$4,784,884
13	145	$35,186	$8,573	$26,613	$4,758,272
13	146	$35,186	$8,525	$26,660	$4,731,612
13	147	$35,186	$8,477	$26,708	$4,704,904
13	148	$35,186	$8,430	$26,756	$4,678,148
13	149	$35,186	$8,382	$26,804	$4,651,344
13	150	$35,186	$8,334	$26,852	$4,624,492
13	151	$35,186	$8,286	$26,900	$4,597,592
13	152	$35,186	$8,237	$26,948	$4,570,644
13	153	$35,186	$8,189	$26,996	$4,543,647
13	154	$35,186	$8,141	$27,045	$4,516,603
13	155	$35,186	$8,092	$27,093	$4,489,509
13	156	$35,186	$8,044	$27,142	$4,462,368
14	157	$35,186	$7,995	$27,190	$4,435,177
14	158	$35,186	$7,946	$27,239	$4,407,938
14	159	$35,186	$7,898	$27,288	$4,380,650
14	160	$35,186	$7,849	$27,337	$4,353,313
14	161	$35,186	$7,800	$27,386	$4,325,927
14	162	$35,186	$7,751	$27,435	$4,298,493
14	163	$35,186	$7,701	$27,484	$4,271,008
14	164	$35,186	$7,652	$27,533	$4,243,475
14	165	$35,186	$7,603	$27,583	$4,215,893
14	166	$35,186	$7,553	$27,632	$4,188,261
14	167	$35,186	$7,504	$27,682	$4,160,579
14	168	$35,186	$7,454	$27,731	$4,132,848
15	169	$35,186	$7,405	$27,781	$4,105,067
15	170	$35,186	$7,355	$27,831	$4,077,236
15	171	$35,186	$7,305	$27,880	$4,049,356
15	172	$35,186	$7,255	$27,930	$4,021,426
15	173	$35,186	$7,205	$27,980	$3,993,445
15	174	$35,186	$7,155	$28,031	$3,965,415
15	175	$35,186	$7,105	$28,081	$3,937,334
15	176	$35,186	$7,054	$28,131	$3,909,203
15	177	$35,186	$7,004	$28,182	$3,881,021
15	178	$35,186	$6,953	$28,232	$3,852,789
15	179	$35,186	$6,903	$28,283	$3,824,507
15	180	$35,186	$6,852	$28,333	$3,796,173
16	181	$35,186	$6,801	$28,384	$3,767,789
16	182	$35,186	$6,751	$28,435	$3,739,354
16	183	$35,186	$6,700	$28,486	$3,710,869
16	184	$35,186	$6,649	$28,537	$3,682,332
16	185	$35,186	$6,598	$28,588	$3,653,744
16	186	$35,186	$6,546	$28,639	$3,625,104
16	187	$35,186	$6,495	$28,691	$3,596,414
16	188	$35,186	$6,444	$28,742	$3,567,672
16	189	$35,186	$6,392	$28,793	$3,538,879
16	190	$35,186	$6,340	$28,845	$3,510,034
16	191	$35,186	$6,289	$28,897	$3,481,137
16	192	$35,186	$6,237	$28,948	$3,452,188
17	193	$35,186	$6,185	$29,000	$3,423,188
17	194	$35,186	$6,133	$29,052	$3,394,136
17	195	$35,186	$6,081	$29,104	$3,365,031
17	196	$35,186	$6,029	$29,156	$3,335,875
17	197	$35,186	$5,977	$29,209	$3,306,666
17	198	$35,186	$5,924	$29,261	$3,277,405
17	199	$35,186	$5,872	$29,313	$3,248,092
17	200	$35,186	$5,819	$29,366	$3,218,726
17	201	$35,186	$5,767	$29,419	$3,189,307
17	202	$35,186	$5,714	$29,471	$3,159,836
17	203	$35,186	$5,661	$29,524	$3,130,312
17	204	$35,186	$5,608	$29,577	$3,100,735
18	205	$35,186	$5,555	$29,630	$3,071,105
18	206	$35,186	$5,502	$29,683	$3,041,421
18	207	$35,186	$5,449	$29,736	$3,011,685
18	208	$35,186	$5,396	$29,790	$2,981,896
18	209	$35,186	$5,343	$29,843	$2,952,053
18	210	$35,186	$5,289	$29,896	$2,922,156
18	211	$35,186	$5,236	$29,950	$2,892,206
18	212	$35,186	$5,182	$30,004	$2,862,203
18	213	$35,186	$5,128	$30,057	$2,832,145
18	214	$35,186	$5,074	$30,111	$2,802,034
18	215	$35,186	$5,020	$30,165	$2,771,869
18	216	$35,186	$4,966	$30,219	$2,741,650
19	217	$35,186	$4,912	$30,273	$2,711,376
19	218	$35,186	$4,858	$30,328	$2,681,049
19	219	$35,186	$4,804	$30,382	$2,650,667
19	220	$35,186	$4,749	$30,436	$2,620,230
19	221	$35,186	$4,695	$30,491	$2,589,739
19	222	$35,186	$4,640	$30,546	$2,559,194
19	223	$35,186	$4,585	$30,600	$2,528,593
19	224	$35,186	$4,530	$30,655	$2,497,938
19	225	$35,186	$4,475	$30,710	$2,467,228
19	226	$35,186	$4,420	$30,765	$2,436,463
19	227	$35,186	$4,365	$30,820	$2,405,643
19	228	$35,186	$4,310	$30,875	$2,374,768
20	229	$35,186	$4,255	$30,931	$2,343,837
20	230	$35,186	$4,199	$30,986	$2,312,851
20	231	$35,186	$4,144	$31,042	$2,281,809
20	232	$35,186	$4,088	$31,097	$2,250,712
20	233	$35,186	$4,033	$31,153	$2,219,559
20	234	$35,186	$3,977	$31,209	$2,188,350
20	235	$35,186	$3,921	$31,265	$2,157,085
20	236	$35,186	$3,865	$31,321	$2,125,765
20	237	$35,186	$3,809	$31,377	$2,094,388
20	238	$35,186	$3,752	$31,433	$2,062,955
20	239	$35,186	$3,696	$31,489	$2,031,465
20	240	$35,186	$3,640	$31,546	$1,999,920
21	241	$35,186	$3,583	$31,602	$1,968,317
21	242	$35,186	$3,527	$31,659	$1,936,658
21	243	$35,186	$3,470	$31,716	$1,904,943
21	244	$35,186	$3,413	$31,772	$1,873,170
21	245	$35,186	$3,356	$31,829	$1,841,341
21	246	$35,186	$3,299	$31,886	$1,809,454
21	247	$35,186	$3,242	$31,944	$1,777,511
21	248	$35,186	$3,185	$32,001	$1,745,510
21	249	$35,186	$3,127	$32,058	$1,713,452
21	250	$35,186	$3,070	$32,116	$1,681,336
21	251	$35,186	$3,012	$32,173	$1,649,163
21	252	$35,186	$2,955	$32,231	$1,616,932
22	253	$35,186	$2,897	$32,289	$1,584,644
22	254	$35,186	$2,839	$32,346	$1,552,298
22	255	$35,186	$2,781	$32,404	$1,519,893
22	256	$35,186	$2,723	$32,462	$1,487,431
22	257	$35,186	$2,665	$32,521	$1,454,910
22	258	$35,186	$2,607	$32,579	$1,422,332
22	259	$35,186	$2,548	$32,637	$1,389,694
22	260	$35,186	$2,490	$32,696	$1,356,999
22	261	$35,186	$2,431	$32,754	$1,324,245
22	262	$35,186	$2,373	$32,813	$1,291,432
22	263	$35,186	$2,314	$32,872	$1,258,560
22	264	$35,186	$2,255	$32,931	$1,225,629
23	265	$35,186	$2,196	$32,990	$1,192,640
23	266	$35,186	$2,137	$33,049	$1,159,591
23	267	$35,186	$2,078	$33,108	$1,126,483
23	268	$35,186	$2,018	$33,167	$1,093,316
23	269	$35,186	$1,959	$33,227	$1,060,089
23	270	$35,186	$1,899	$33,286	$1,026,803
23	271	$35,186	$1,840	$33,346	$993,457
23	272	$35,186	$1,780	$33,406	$960,052
23	273	$35,186	$1,720	$33,465	$926,586
23	274	$35,186	$1,660	$33,525	$893,061
23	275	$35,186	$1,600	$33,585	$859,476
23	276	$35,186	$1,540	$33,646	$825,830
24	277	$35,186	$1,480	$33,706	$792,124
24	278	$35,186	$1,419	$33,766	$758,358
24	279	$35,186	$1,359	$33,827	$724,531
24	280	$35,186	$1,298	$33,887	$690,644
24	281	$35,186	$1,237	$33,948	$656,696
24	282	$35,186	$1,177	$34,009	$622,687
24	283	$35,186	$1,116	$34,070	$588,617
24	284	$35,186	$1,055	$34,131	$554,486
24	285	$35,186	$993	$34,192	$520,294
24	286	$35,186	$932	$34,253	$486,041
24	287	$35,186	$871	$34,315	$451,726
24	288	$35,186	$809	$34,376	$417,350
25	289	$35,186	$748	$34,438	$382,912
25	290	$35,186	$686	$34,499	$348,413
25	291	$35,186	$624	$34,561	$313,851
25	292	$35,186	$562	$34,623	$279,228
25	293	$35,186	$500	$34,685	$244,543
25	294	$35,186	$438	$34,747	$209,795
25	295	$35,186	$376	$34,810	$174,986
25	296	$35,186	$314	$34,872	$140,114
25	297	$35,186	$251	$34,934	$105,179
25	298	$35,186	$188	$34,997	$70,182
25	299	$35,186	$126	$35,060	$35,123
25	300	$35,186	$63	$35,123	$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$ 5,440,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,576,000

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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.