Century 21 Centaland Property

Down Payment (HKD)

$3,600,000

Monthly Repayment (HKD)

$23,285

Loan Amount (HKD)

$5,400,000

Total Interest (HKD)

$1,585,357

Total Repayment (HKD)

$6,985,357

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$23,285	$9,675	$13,610	$5,386,390
1	2	$23,285	$9,651	$13,634	$5,372,757
1	3	$23,285	$9,626	$13,658	$5,359,098
1	4	$23,285	$9,602	$13,683	$5,345,415
1	5	$23,285	$9,577	$13,707	$5,331,708
1	6	$23,285	$9,553	$13,732	$5,317,976
1	7	$23,285	$9,528	$13,756	$5,304,220
1	8	$23,285	$9,503	$13,781	$5,290,439
1	9	$23,285	$9,479	$13,806	$5,276,633
1	10	$23,285	$9,454	$13,831	$5,262,802
1	11	$23,285	$9,429	$13,855	$5,248,947
1	12	$23,285	$9,404	$13,880	$5,235,067
2	13	$23,285	$9,379	$13,905	$5,221,162
2	14	$23,285	$9,355	$13,930	$5,207,232
2	15	$23,285	$9,330	$13,955	$5,193,277
2	16	$23,285	$9,305	$13,980	$5,179,297
2	17	$23,285	$9,280	$14,005	$5,165,292
2	18	$23,285	$9,254	$14,030	$5,151,262
2	19	$23,285	$9,229	$14,055	$5,137,207
2	20	$23,285	$9,204	$14,080	$5,123,126
2	21	$23,285	$9,179	$14,106	$5,109,021
2	22	$23,285	$9,154	$14,131	$5,094,890
2	23	$23,285	$9,128	$14,156	$5,080,734
2	24	$23,285	$9,103	$14,182	$5,066,552
3	25	$23,285	$9,078	$14,207	$5,052,345
3	26	$23,285	$9,052	$14,232	$5,038,113
3	27	$23,285	$9,027	$14,258	$5,023,855
3	28	$23,285	$9,001	$14,283	$5,009,572
3	29	$23,285	$8,975	$14,309	$4,995,262
3	30	$23,285	$8,950	$14,335	$4,980,928
3	31	$23,285	$8,924	$14,360	$4,966,567
3	32	$23,285	$8,898	$14,386	$4,952,181
3	33	$23,285	$8,873	$14,412	$4,937,769
3	34	$23,285	$8,847	$14,438	$4,923,332
3	35	$23,285	$8,821	$14,464	$4,908,868
3	36	$23,285	$8,795	$14,489	$4,894,379
4	37	$23,285	$8,769	$14,515	$4,879,863
4	38	$23,285	$8,743	$14,541	$4,865,322
4	39	$23,285	$8,717	$14,567	$4,850,754
4	40	$23,285	$8,691	$14,594	$4,836,161
4	41	$23,285	$8,665	$14,620	$4,821,541
4	42	$23,285	$8,639	$14,646	$4,806,895
4	43	$23,285	$8,612	$14,672	$4,792,223
4	44	$23,285	$8,586	$14,698	$4,777,525
4	45	$23,285	$8,560	$14,725	$4,762,800
4	46	$23,285	$8,533	$14,751	$4,748,049
4	47	$23,285	$8,507	$14,778	$4,733,271
4	48	$23,285	$8,480	$14,804	$4,718,467
5	49	$23,285	$8,454	$14,831	$4,703,636
5	50	$23,285	$8,427	$14,857	$4,688,779
5	51	$23,285	$8,401	$14,884	$4,673,895
5	52	$23,285	$8,374	$14,910	$4,658,985
5	53	$23,285	$8,347	$14,937	$4,644,048
5	54	$23,285	$8,321	$14,964	$4,629,084
5	55	$23,285	$8,294	$14,991	$4,614,093
5	56	$23,285	$8,267	$15,018	$4,599,075
5	57	$23,285	$8,240	$15,045	$4,584,031
5	58	$23,285	$8,213	$15,071	$4,568,959
5	59	$23,285	$8,186	$15,098	$4,553,861
5	60	$23,285	$8,159	$15,126	$4,538,735
6	61	$23,285	$8,132	$15,153	$4,523,583
6	62	$23,285	$8,105	$15,180	$4,508,403
6	63	$23,285	$8,078	$15,207	$4,493,196
6	64	$23,285	$8,050	$15,234	$4,477,962
6	65	$23,285	$8,023	$15,262	$4,462,700
6	66	$23,285	$7,996	$15,289	$4,447,411
6	67	$23,285	$7,968	$15,316	$4,432,095
6	68	$23,285	$7,941	$15,344	$4,416,751
6	69	$23,285	$7,913	$15,371	$4,401,380
6	70	$23,285	$7,886	$15,399	$4,385,982
6	71	$23,285	$7,858	$15,426	$4,370,555
6	72	$23,285	$7,831	$15,454	$4,355,101
7	73	$23,285	$7,803	$15,482	$4,339,620
7	74	$23,285	$7,775	$15,509	$4,324,110
7	75	$23,285	$7,747	$15,537	$4,308,573
7	76	$23,285	$7,720	$15,565	$4,293,008
7	77	$23,285	$7,692	$15,593	$4,277,415
7	78	$23,285	$7,664	$15,621	$4,261,794
7	79	$23,285	$7,636	$15,649	$4,246,146
7	80	$23,285	$7,608	$15,677	$4,230,469
7	81	$23,285	$7,580	$15,705	$4,214,764
7	82	$23,285	$7,551	$15,733	$4,199,031
7	83	$23,285	$7,523	$15,761	$4,183,270
7	84	$23,285	$7,495	$15,790	$4,167,480
8	85	$23,285	$7,467	$15,818	$4,151,662
8	86	$23,285	$7,438	$15,846	$4,135,816
8	87	$23,285	$7,410	$15,875	$4,119,942
8	88	$23,285	$7,382	$15,903	$4,104,039
8	89	$23,285	$7,353	$15,931	$4,088,107
8	90	$23,285	$7,325	$15,960	$4,072,147
8	91	$23,285	$7,296	$15,989	$4,056,159
8	92	$23,285	$7,267	$16,017	$4,040,141
8	93	$23,285	$7,239	$16,046	$4,024,095
8	94	$23,285	$7,210	$16,075	$4,008,021
8	95	$23,285	$7,181	$16,103	$3,991,917
8	96	$23,285	$7,152	$16,132	$3,975,785
9	97	$23,285	$7,123	$16,161	$3,959,624
9	98	$23,285	$7,094	$16,190	$3,943,433
9	99	$23,285	$7,065	$16,219	$3,927,214
9	100	$23,285	$7,036	$16,248	$3,910,966
9	101	$23,285	$7,007	$16,277	$3,894,689
9	102	$23,285	$6,978	$16,307	$3,878,382
9	103	$23,285	$6,949	$16,336	$3,862,046
9	104	$23,285	$6,919	$16,365	$3,845,681
9	105	$23,285	$6,890	$16,394	$3,829,287
9	106	$23,285	$6,861	$16,424	$3,812,863
9	107	$23,285	$6,831	$16,453	$3,796,410
9	108	$23,285	$6,802	$16,483	$3,779,927
10	109	$23,285	$6,772	$16,512	$3,763,415
10	110	$23,285	$6,743	$16,542	$3,746,874
10	111	$23,285	$6,713	$16,571	$3,730,302
10	112	$23,285	$6,683	$16,601	$3,713,701
10	113	$23,285	$6,654	$16,631	$3,697,070
10	114	$23,285	$6,624	$16,661	$3,680,410
10	115	$23,285	$6,594	$16,690	$3,663,719
10	116	$23,285	$6,564	$16,720	$3,646,999
10	117	$23,285	$6,534	$16,750	$3,630,249
10	118	$23,285	$6,504	$16,780	$3,613,468
10	119	$23,285	$6,474	$16,810	$3,596,658
10	120	$23,285	$6,444	$16,841	$3,579,817
11	121	$23,285	$6,414	$16,871	$3,562,947
11	122	$23,285	$6,384	$16,901	$3,546,046
11	123	$23,285	$6,353	$16,931	$3,529,115
11	124	$23,285	$6,323	$16,962	$3,512,153
11	125	$23,285	$6,293	$16,992	$3,495,161
11	126	$23,285	$6,262	$17,022	$3,478,139
11	127	$23,285	$6,232	$17,053	$3,461,086
11	128	$23,285	$6,201	$17,083	$3,444,002
11	129	$23,285	$6,171	$17,114	$3,426,888
11	130	$23,285	$6,140	$17,145	$3,409,744
11	131	$23,285	$6,109	$17,175	$3,392,568
11	132	$23,285	$6,078	$17,206	$3,375,362
12	133	$23,285	$6,048	$17,237	$3,358,125
12	134	$23,285	$6,017	$17,268	$3,340,857
12	135	$23,285	$5,986	$17,299	$3,323,558
12	136	$23,285	$5,955	$17,330	$3,306,229
12	137	$23,285	$5,924	$17,361	$3,288,868
12	138	$23,285	$5,893	$17,392	$3,271,476
12	139	$23,285	$5,861	$17,423	$3,254,053
12	140	$23,285	$5,830	$17,454	$3,236,598
12	141	$23,285	$5,799	$17,486	$3,219,113
12	142	$23,285	$5,768	$17,517	$3,201,596
12	143	$23,285	$5,736	$17,548	$3,184,047
12	144	$23,285	$5,705	$17,580	$3,166,468
13	145	$23,285	$5,673	$17,611	$3,148,856
13	146	$23,285	$5,642	$17,643	$3,131,214
13	147	$23,285	$5,610	$17,674	$3,113,539
13	148	$23,285	$5,578	$17,706	$3,095,833
13	149	$23,285	$5,547	$17,738	$3,078,095
13	150	$23,285	$5,515	$17,770	$3,060,326
13	151	$23,285	$5,483	$17,801	$3,042,524
13	152	$23,285	$5,451	$17,833	$3,024,691
13	153	$23,285	$5,419	$17,865	$3,006,826
13	154	$23,285	$5,387	$17,897	$2,988,928
13	155	$23,285	$5,355	$17,929	$2,970,999
13	156	$23,285	$5,323	$17,961	$2,953,037
14	157	$23,285	$5,291	$17,994	$2,935,044
14	158	$23,285	$5,259	$18,026	$2,917,018
14	159	$23,285	$5,226	$18,058	$2,898,960
14	160	$23,285	$5,194	$18,091	$2,880,869
14	161	$23,285	$5,162	$18,123	$2,862,746
14	162	$23,285	$5,129	$18,155	$2,844,591
14	163	$23,285	$5,097	$18,188	$2,826,403
14	164	$23,285	$5,064	$18,221	$2,808,182
14	165	$23,285	$5,031	$18,253	$2,789,929
14	166	$23,285	$4,999	$18,286	$2,771,643
14	167	$23,285	$4,966	$18,319	$2,753,324
14	168	$23,285	$4,933	$18,351	$2,734,973
15	169	$23,285	$4,900	$18,384	$2,716,589
15	170	$23,285	$4,867	$18,417	$2,698,171
15	171	$23,285	$4,834	$18,450	$2,679,721
15	172	$23,285	$4,801	$18,483	$2,661,238
15	173	$23,285	$4,768	$18,516	$2,642,721
15	174	$23,285	$4,735	$18,550	$2,624,171
15	175	$23,285	$4,702	$18,583	$2,605,589
15	176	$23,285	$4,668	$18,616	$2,586,972
15	177	$23,285	$4,635	$18,650	$2,568,323
15	178	$23,285	$4,602	$18,683	$2,549,640
15	179	$23,285	$4,568	$18,716	$2,530,923
15	180	$23,285	$4,535	$18,750	$2,512,174
16	181	$23,285	$4,501	$18,784	$2,493,390
16	182	$23,285	$4,467	$18,817	$2,474,573
16	183	$23,285	$4,434	$18,851	$2,455,722
16	184	$23,285	$4,400	$18,885	$2,436,837
16	185	$23,285	$4,366	$18,919	$2,417,919
16	186	$23,285	$4,332	$18,952	$2,398,966
16	187	$23,285	$4,298	$18,986	$2,379,980
16	188	$23,285	$4,264	$19,020	$2,360,959
16	189	$23,285	$4,230	$19,054	$2,341,905
16	190	$23,285	$4,196	$19,089	$2,322,816
16	191	$23,285	$4,162	$19,123	$2,303,694
16	192	$23,285	$4,127	$19,157	$2,284,536
17	193	$23,285	$4,093	$19,191	$2,265,345
17	194	$23,285	$4,059	$19,226	$2,246,119
17	195	$23,285	$4,024	$19,260	$2,226,859
17	196	$23,285	$3,990	$19,295	$2,207,564
17	197	$23,285	$3,955	$19,329	$2,188,235
17	198	$23,285	$3,921	$19,364	$2,168,871
17	199	$23,285	$3,886	$19,399	$2,149,472
17	200	$23,285	$3,851	$19,433	$2,130,039
17	201	$23,285	$3,816	$19,468	$2,110,571
17	202	$23,285	$3,781	$19,503	$2,091,068
17	203	$23,285	$3,746	$19,538	$2,071,530
17	204	$23,285	$3,711	$19,573	$2,051,957
18	205	$23,285	$3,676	$19,608	$2,032,349
18	206	$23,285	$3,641	$19,643	$2,012,705
18	207	$23,285	$3,606	$19,678	$1,993,027
18	208	$23,285	$3,571	$19,714	$1,973,313
18	209	$23,285	$3,536	$19,749	$1,953,564
18	210	$23,285	$3,500	$19,784	$1,933,780
18	211	$23,285	$3,465	$19,820	$1,913,960
18	212	$23,285	$3,429	$19,855	$1,894,105
18	213	$23,285	$3,394	$19,891	$1,874,214
18	214	$23,285	$3,358	$19,927	$1,854,287
18	215	$23,285	$3,322	$19,962	$1,834,325
18	216	$23,285	$3,286	$19,998	$1,814,327
19	217	$23,285	$3,251	$20,034	$1,794,293
19	218	$23,285	$3,215	$20,070	$1,774,223
19	219	$23,285	$3,179	$20,106	$1,754,118
19	220	$23,285	$3,143	$20,142	$1,733,976
19	221	$23,285	$3,107	$20,178	$1,713,798
19	222	$23,285	$3,071	$20,214	$1,693,584
19	223	$23,285	$3,034	$20,250	$1,673,334
19	224	$23,285	$2,998	$20,286	$1,653,047
19	225	$23,285	$2,962	$20,323	$1,632,725
19	226	$23,285	$2,925	$20,359	$1,612,365
19	227	$23,285	$2,889	$20,396	$1,591,970
19	228	$23,285	$2,852	$20,432	$1,571,537
20	229	$23,285	$2,816	$20,469	$1,551,069
20	230	$23,285	$2,779	$20,506	$1,530,563
20	231	$23,285	$2,742	$20,542	$1,510,021
20	232	$23,285	$2,705	$20,579	$1,489,442
20	233	$23,285	$2,669	$20,616	$1,468,826
20	234	$23,285	$2,632	$20,653	$1,448,173
20	235	$23,285	$2,595	$20,690	$1,427,483
20	236	$23,285	$2,558	$20,727	$1,406,756
20	237	$23,285	$2,520	$20,764	$1,385,992
20	238	$23,285	$2,483	$20,801	$1,365,191
20	239	$23,285	$2,446	$20,839	$1,344,352
20	240	$23,285	$2,409	$20,876	$1,323,476
21	241	$23,285	$2,371	$20,913	$1,302,563
21	242	$23,285	$2,334	$20,951	$1,281,612
21	243	$23,285	$2,296	$20,988	$1,260,624
21	244	$23,285	$2,259	$21,026	$1,239,598
21	245	$23,285	$2,221	$21,064	$1,218,534
21	246	$23,285	$2,183	$21,101	$1,197,433
21	247	$23,285	$2,145	$21,139	$1,176,294
21	248	$23,285	$2,108	$21,177	$1,155,117
21	249	$23,285	$2,070	$21,215	$1,133,902
21	250	$23,285	$2,032	$21,253	$1,112,649
21	251	$23,285	$1,993	$21,291	$1,091,358
21	252	$23,285	$1,955	$21,329	$1,070,029
22	253	$23,285	$1,917	$21,367	$1,048,661
22	254	$23,285	$1,879	$21,406	$1,027,256
22	255	$23,285	$1,840	$21,444	$1,005,812
22	256	$23,285	$1,802	$21,482	$984,329
22	257	$23,285	$1,764	$21,521	$962,808
22	258	$23,285	$1,725	$21,559	$941,249
22	259	$23,285	$1,686	$21,598	$919,651
22	260	$23,285	$1,648	$21,637	$898,014
22	261	$23,285	$1,609	$21,676	$876,338
22	262	$23,285	$1,570	$21,714	$854,624
22	263	$23,285	$1,531	$21,753	$832,871
22	264	$23,285	$1,492	$21,792	$811,078
23	265	$23,285	$1,453	$21,831	$789,247
23	266	$23,285	$1,414	$21,870	$767,377
23	267	$23,285	$1,375	$21,910	$745,467
23	268	$23,285	$1,336	$21,949	$723,518
23	269	$23,285	$1,296	$21,988	$701,530
23	270	$23,285	$1,257	$22,028	$679,502
23	271	$23,285	$1,217	$22,067	$657,435
23	272	$23,285	$1,178	$22,107	$635,328
23	273	$23,285	$1,138	$22,146	$613,182
23	274	$23,285	$1,099	$22,186	$590,996
23	275	$23,285	$1,059	$22,226	$568,771
23	276	$23,285	$1,019	$22,265	$546,505
24	277	$23,285	$979	$22,305	$524,200
24	278	$23,285	$939	$22,345	$501,854
24	279	$23,285	$899	$22,385	$479,469
24	280	$23,285	$859	$22,425	$457,044
24	281	$23,285	$819	$22,466	$434,578
24	282	$23,285	$779	$22,506	$412,072
24	283	$23,285	$738	$22,546	$389,526
24	284	$23,285	$698	$22,587	$366,939
24	285	$23,285	$657	$22,627	$344,312
24	286	$23,285	$617	$22,668	$321,644
24	287	$23,285	$576	$22,708	$298,936
24	288	$23,285	$536	$22,749	$276,187
25	289	$23,285	$495	$22,790	$253,398
25	290	$23,285	$454	$22,831	$230,567
25	291	$23,285	$413	$22,871	$207,696
25	292	$23,285	$372	$22,912	$184,783
25	293	$23,285	$331	$22,953	$161,830
25	294	$23,285	$290	$22,995	$138,835
25	295	$23,285	$249	$23,036	$115,799
25	296	$23,285	$207	$23,077	$92,722
25	297	$23,285	$166	$23,118	$69,604
25	298	$23,285	$125	$23,160	$46,444
25	299	$23,285	$83	$23,201	$23,243
25	300	$23,285	$42	$23,243	$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$ 3,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,690,000

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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.