Century 21 Centaland Property

Down Payment (HKD)

$4,120,000

Monthly Repayment (HKD)

$26,648

Loan Amount (HKD)

$6,180,000

Total Interest (HKD)

$1,814,354

Total Repayment (HKD)

$7,994,354

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$26,648	$11,073	$15,575	$6,164,425
1	2	$26,648	$11,045	$15,603	$6,148,821
1	3	$26,648	$11,017	$15,631	$6,133,190
1	4	$26,648	$10,989	$15,659	$6,117,531
1	5	$26,648	$10,961	$15,687	$6,101,844
1	6	$26,648	$10,932	$15,715	$6,086,128
1	7	$26,648	$10,904	$15,744	$6,070,385
1	8	$26,648	$10,876	$15,772	$6,054,613
1	9	$26,648	$10,848	$15,800	$6,038,813
1	10	$26,648	$10,820	$15,828	$6,022,985
1	11	$26,648	$10,791	$15,857	$6,007,128
1	12	$26,648	$10,763	$15,885	$5,991,243
2	13	$26,648	$10,734	$15,914	$5,975,329
2	14	$26,648	$10,706	$15,942	$5,959,387
2	15	$26,648	$10,677	$15,971	$5,943,417
2	16	$26,648	$10,649	$15,999	$5,927,418
2	17	$26,648	$10,620	$16,028	$5,911,390
2	18	$26,648	$10,591	$16,057	$5,895,333
2	19	$26,648	$10,562	$16,085	$5,879,248
2	20	$26,648	$10,534	$16,114	$5,863,134
2	21	$26,648	$10,505	$16,143	$5,846,990
2	22	$26,648	$10,476	$16,172	$5,830,819
2	23	$26,648	$10,447	$16,201	$5,814,618
2	24	$26,648	$10,418	$16,230	$5,798,388
3	25	$26,648	$10,389	$16,259	$5,782,128
3	26	$26,648	$10,360	$16,288	$5,765,840
3	27	$26,648	$10,330	$16,317	$5,749,523
3	28	$26,648	$10,301	$16,347	$5,733,176
3	29	$26,648	$10,272	$16,376	$5,716,800
3	30	$26,648	$10,243	$16,405	$5,700,395
3	31	$26,648	$10,213	$16,435	$5,683,961
3	32	$26,648	$10,184	$16,464	$5,667,496
3	33	$26,648	$10,154	$16,494	$5,651,003
3	34	$26,648	$10,125	$16,523	$5,634,480
3	35	$26,648	$10,095	$16,553	$5,617,927
3	36	$26,648	$10,065	$16,582	$5,601,345
4	37	$26,648	$10,036	$16,612	$5,584,732
4	38	$26,648	$10,006	$16,642	$5,568,091
4	39	$26,648	$9,976	$16,672	$5,551,419
4	40	$26,648	$9,946	$16,702	$5,534,717
4	41	$26,648	$9,916	$16,731	$5,517,986
4	42	$26,648	$9,886	$16,761	$5,501,224
4	43	$26,648	$9,856	$16,791	$5,484,433
4	44	$26,648	$9,826	$16,822	$5,467,611
4	45	$26,648	$9,796	$16,852	$5,450,760
4	46	$26,648	$9,766	$16,882	$5,433,878
4	47	$26,648	$9,736	$16,912	$5,416,966
4	48	$26,648	$9,705	$16,942	$5,400,023
5	49	$26,648	$9,675	$16,973	$5,383,050
5	50	$26,648	$9,645	$17,003	$5,366,047
5	51	$26,648	$9,614	$17,034	$5,349,013
5	52	$26,648	$9,584	$17,064	$5,331,949
5	53	$26,648	$9,553	$17,095	$5,314,855
5	54	$26,648	$9,522	$17,125	$5,297,729
5	55	$26,648	$9,492	$17,156	$5,280,573
5	56	$26,648	$9,461	$17,187	$5,263,386
5	57	$26,648	$9,430	$17,218	$5,246,169
5	58	$26,648	$9,399	$17,248	$5,228,920
5	59	$26,648	$9,368	$17,279	$5,211,641
5	60	$26,648	$9,338	$17,310	$5,194,330
6	61	$26,648	$9,307	$17,341	$5,176,989
6	62	$26,648	$9,275	$17,372	$5,159,617
6	63	$26,648	$9,244	$17,404	$5,142,213
6	64	$26,648	$9,213	$17,435	$5,124,778
6	65	$26,648	$9,182	$17,466	$5,107,313
6	66	$26,648	$9,151	$17,497	$5,089,815
6	67	$26,648	$9,119	$17,529	$5,072,287
6	68	$26,648	$9,088	$17,560	$5,054,727
6	69	$26,648	$9,056	$17,591	$5,037,135
6	70	$26,648	$9,025	$17,623	$5,019,512
6	71	$26,648	$8,993	$17,655	$5,001,858
6	72	$26,648	$8,962	$17,686	$4,984,172
7	73	$26,648	$8,930	$17,718	$4,966,454
7	74	$26,648	$8,898	$17,750	$4,948,704
7	75	$26,648	$8,866	$17,781	$4,930,923
7	76	$26,648	$8,835	$17,813	$4,913,109
7	77	$26,648	$8,803	$17,845	$4,895,264
7	78	$26,648	$8,771	$17,877	$4,877,387
7	79	$26,648	$8,739	$17,909	$4,859,478
7	80	$26,648	$8,707	$17,941	$4,841,537
7	81	$26,648	$8,674	$17,973	$4,823,563
7	82	$26,648	$8,642	$18,006	$4,805,557
7	83	$26,648	$8,610	$18,038	$4,787,520
7	84	$26,648	$8,578	$18,070	$4,769,449
8	85	$26,648	$8,545	$18,103	$4,751,347
8	86	$26,648	$8,513	$18,135	$4,733,212
8	87	$26,648	$8,480	$18,168	$4,715,044
8	88	$26,648	$8,448	$18,200	$4,696,844
8	89	$26,648	$8,415	$18,233	$4,678,612
8	90	$26,648	$8,383	$18,265	$4,660,346
8	91	$26,648	$8,350	$18,298	$4,642,048
8	92	$26,648	$8,317	$18,331	$4,623,717
8	93	$26,648	$8,284	$18,364	$4,605,354
8	94	$26,648	$8,251	$18,397	$4,586,957
8	95	$26,648	$8,218	$18,430	$4,568,527
8	96	$26,648	$8,185	$18,463	$4,550,065
9	97	$26,648	$8,152	$18,496	$4,531,569
9	98	$26,648	$8,119	$18,529	$4,513,040
9	99	$26,648	$8,086	$18,562	$4,494,479
9	100	$26,648	$8,053	$18,595	$4,475,883
9	101	$26,648	$8,019	$18,629	$4,457,255
9	102	$26,648	$7,986	$18,662	$4,438,593
9	103	$26,648	$7,952	$18,695	$4,419,897
9	104	$26,648	$7,919	$18,729	$4,401,169
9	105	$26,648	$7,885	$18,762	$4,382,406
9	106	$26,648	$7,852	$18,796	$4,363,610
9	107	$26,648	$7,818	$18,830	$4,344,780
9	108	$26,648	$7,784	$18,863	$4,325,917
10	109	$26,648	$7,751	$18,897	$4,307,020
10	110	$26,648	$7,717	$18,931	$4,288,089
10	111	$26,648	$7,683	$18,965	$4,269,124
10	112	$26,648	$7,649	$18,999	$4,250,125
10	113	$26,648	$7,615	$19,033	$4,231,092
10	114	$26,648	$7,581	$19,067	$4,212,024
10	115	$26,648	$7,547	$19,101	$4,192,923
10	116	$26,648	$7,512	$19,136	$4,173,788
10	117	$26,648	$7,478	$19,170	$4,154,618
10	118	$26,648	$7,444	$19,204	$4,135,414
10	119	$26,648	$7,409	$19,239	$4,116,175
10	120	$26,648	$7,375	$19,273	$4,096,902
11	121	$26,648	$7,340	$19,308	$4,077,594
11	122	$26,648	$7,306	$19,342	$4,058,252
11	123	$26,648	$7,271	$19,377	$4,038,875
11	124	$26,648	$7,236	$19,412	$4,019,464
11	125	$26,648	$7,202	$19,446	$4,000,018
11	126	$26,648	$7,167	$19,481	$3,980,537
11	127	$26,648	$7,132	$19,516	$3,961,020
11	128	$26,648	$7,097	$19,551	$3,941,469
11	129	$26,648	$7,062	$19,586	$3,921,883
11	130	$26,648	$7,027	$19,621	$3,902,262
11	131	$26,648	$6,992	$19,656	$3,882,606
11	132	$26,648	$6,956	$19,692	$3,862,914
12	133	$26,648	$6,921	$19,727	$3,843,188
12	134	$26,648	$6,886	$19,762	$3,823,426
12	135	$26,648	$6,850	$19,798	$3,803,628
12	136	$26,648	$6,815	$19,833	$3,783,795
12	137	$26,648	$6,779	$19,869	$3,763,926
12	138	$26,648	$6,744	$19,904	$3,744,022
12	139	$26,648	$6,708	$19,940	$3,724,082
12	140	$26,648	$6,672	$19,976	$3,704,107
12	141	$26,648	$6,637	$20,011	$3,684,096
12	142	$26,648	$6,601	$20,047	$3,664,048
12	143	$26,648	$6,565	$20,083	$3,643,965
12	144	$26,648	$6,529	$20,119	$3,623,846
13	145	$26,648	$6,493	$20,155	$3,603,691
13	146	$26,648	$6,457	$20,191	$3,583,500
13	147	$26,648	$6,420	$20,227	$3,563,273
13	148	$26,648	$6,384	$20,264	$3,543,009
13	149	$26,648	$6,348	$20,300	$3,522,709
13	150	$26,648	$6,312	$20,336	$3,502,373
13	151	$26,648	$6,275	$20,373	$3,482,000
13	152	$26,648	$6,239	$20,409	$3,461,591
13	153	$26,648	$6,202	$20,446	$3,441,145
13	154	$26,648	$6,165	$20,482	$3,420,662
13	155	$26,648	$6,129	$20,519	$3,400,143
13	156	$26,648	$6,092	$20,556	$3,379,587
14	157	$26,648	$6,055	$20,593	$3,358,994
14	158	$26,648	$6,018	$20,630	$3,338,365
14	159	$26,648	$5,981	$20,667	$3,317,698
14	160	$26,648	$5,944	$20,704	$3,296,995
14	161	$26,648	$5,907	$20,741	$3,276,254
14	162	$26,648	$5,870	$20,778	$3,255,476
14	163	$26,648	$5,833	$20,815	$3,234,661
14	164	$26,648	$5,795	$20,852	$3,213,808
14	165	$26,648	$5,758	$20,890	$3,192,919
14	166	$26,648	$5,721	$20,927	$3,171,991
14	167	$26,648	$5,683	$20,965	$3,151,027
14	168	$26,648	$5,646	$21,002	$3,130,025
15	169	$26,648	$5,608	$21,040	$3,108,985
15	170	$26,648	$5,570	$21,078	$3,087,907
15	171	$26,648	$5,533	$21,115	$3,066,792
15	172	$26,648	$5,495	$21,153	$3,045,639
15	173	$26,648	$5,457	$21,191	$3,024,447
15	174	$26,648	$5,419	$21,229	$3,003,218
15	175	$26,648	$5,381	$21,267	$2,981,951
15	176	$26,648	$5,343	$21,305	$2,960,646
15	177	$26,648	$5,304	$21,343	$2,939,303
15	178	$26,648	$5,266	$21,382	$2,917,921
15	179	$26,648	$5,228	$21,420	$2,896,501
15	180	$26,648	$5,190	$21,458	$2,875,043
16	181	$26,648	$5,151	$21,497	$2,853,546
16	182	$26,648	$5,113	$21,535	$2,832,011
16	183	$26,648	$5,074	$21,574	$2,810,437
16	184	$26,648	$5,035	$21,612	$2,788,825
16	185	$26,648	$4,997	$21,651	$2,767,174
16	186	$26,648	$4,958	$21,690	$2,745,484
16	187	$26,648	$4,919	$21,729	$2,723,755
16	188	$26,648	$4,880	$21,768	$2,701,987
16	189	$26,648	$4,841	$21,807	$2,680,180
16	190	$26,648	$4,802	$21,846	$2,658,334
16	191	$26,648	$4,763	$21,885	$2,636,449
16	192	$26,648	$4,724	$21,924	$2,614,525
17	193	$26,648	$4,684	$21,963	$2,592,562
17	194	$26,648	$4,645	$22,003	$2,570,559
17	195	$26,648	$4,606	$22,042	$2,548,516
17	196	$26,648	$4,566	$22,082	$2,526,435
17	197	$26,648	$4,527	$22,121	$2,504,313
17	198	$26,648	$4,487	$22,161	$2,482,152
17	199	$26,648	$4,447	$22,201	$2,459,952
17	200	$26,648	$4,407	$22,240	$2,437,711
17	201	$26,648	$4,368	$22,280	$2,415,431
17	202	$26,648	$4,328	$22,320	$2,393,111
17	203	$26,648	$4,288	$22,360	$2,370,751
17	204	$26,648	$4,248	$22,400	$2,348,350
18	205	$26,648	$4,207	$22,440	$2,325,910
18	206	$26,648	$4,167	$22,481	$2,303,429
18	207	$26,648	$4,127	$22,521	$2,280,909
18	208	$26,648	$4,087	$22,561	$2,258,347
18	209	$26,648	$4,046	$22,602	$2,235,746
18	210	$26,648	$4,006	$22,642	$2,213,104
18	211	$26,648	$3,965	$22,683	$2,190,421
18	212	$26,648	$3,925	$22,723	$2,167,698
18	213	$26,648	$3,884	$22,764	$2,144,934
18	214	$26,648	$3,843	$22,805	$2,122,129
18	215	$26,648	$3,802	$22,846	$2,099,283
18	216	$26,648	$3,761	$22,887	$2,076,396
19	217	$26,648	$3,720	$22,928	$2,053,469
19	218	$26,648	$3,679	$22,969	$2,030,500
19	219	$26,648	$3,638	$23,010	$2,007,490
19	220	$26,648	$3,597	$23,051	$1,984,439
19	221	$26,648	$3,555	$23,092	$1,961,347
19	222	$26,648	$3,514	$23,134	$1,938,213
19	223	$26,648	$3,473	$23,175	$1,915,038
19	224	$26,648	$3,431	$23,217	$1,891,821
19	225	$26,648	$3,390	$23,258	$1,868,563
19	226	$26,648	$3,348	$23,300	$1,845,263
19	227	$26,648	$3,306	$23,342	$1,821,921
19	228	$26,648	$3,264	$23,384	$1,798,537
20	229	$26,648	$3,222	$23,425	$1,775,112
20	230	$26,648	$3,180	$23,467	$1,751,644
20	231	$26,648	$3,138	$23,509	$1,728,135
20	232	$26,648	$3,096	$23,552	$1,704,583
20	233	$26,648	$3,054	$23,594	$1,680,990
20	234	$26,648	$3,012	$23,636	$1,657,353
20	235	$26,648	$2,969	$23,678	$1,633,675
20	236	$26,648	$2,927	$23,721	$1,609,954
20	237	$26,648	$2,885	$23,763	$1,586,191
20	238	$26,648	$2,842	$23,806	$1,562,385
20	239	$26,648	$2,799	$23,849	$1,538,536
20	240	$26,648	$2,757	$23,891	$1,514,645
21	241	$26,648	$2,714	$23,934	$1,490,711
21	242	$26,648	$2,671	$23,977	$1,466,734
21	243	$26,648	$2,628	$24,020	$1,442,714
21	244	$26,648	$2,585	$24,063	$1,418,651
21	245	$26,648	$2,542	$24,106	$1,394,545
21	246	$26,648	$2,499	$24,149	$1,370,396
21	247	$26,648	$2,455	$24,193	$1,346,203
21	248	$26,648	$2,412	$24,236	$1,321,967
21	249	$26,648	$2,369	$24,279	$1,297,688
21	250	$26,648	$2,325	$24,323	$1,273,365
21	251	$26,648	$2,281	$24,366	$1,248,999
21	252	$26,648	$2,238	$24,410	$1,224,589
22	253	$26,648	$2,194	$24,454	$1,200,135
22	254	$26,648	$2,150	$24,498	$1,175,637
22	255	$26,648	$2,106	$24,541	$1,151,096
22	256	$26,648	$2,062	$24,585	$1,126,510
22	257	$26,648	$2,018	$24,630	$1,101,881
22	258	$26,648	$1,974	$24,674	$1,077,207
22	259	$26,648	$1,930	$24,718	$1,052,489
22	260	$26,648	$1,886	$24,762	$1,027,727
22	261	$26,648	$1,841	$24,807	$1,002,921
22	262	$26,648	$1,797	$24,851	$978,070
22	263	$26,648	$1,752	$24,895	$953,174
22	264	$26,648	$1,708	$24,940	$928,234
23	265	$26,648	$1,663	$24,985	$903,249
23	266	$26,648	$1,618	$25,030	$878,220
23	267	$26,648	$1,573	$25,074	$853,145
23	268	$26,648	$1,529	$25,119	$828,026
23	269	$26,648	$1,484	$25,164	$802,862
23	270	$26,648	$1,438	$25,209	$777,652
23	271	$26,648	$1,393	$25,255	$752,398
23	272	$26,648	$1,348	$25,300	$727,098
23	273	$26,648	$1,303	$25,345	$701,753
23	274	$26,648	$1,257	$25,391	$676,362
23	275	$26,648	$1,212	$25,436	$650,926
23	276	$26,648	$1,166	$25,482	$625,445
24	277	$26,648	$1,121	$25,527	$599,918
24	278	$26,648	$1,075	$25,573	$574,345
24	279	$26,648	$1,029	$25,619	$548,726
24	280	$26,648	$983	$25,665	$523,061
24	281	$26,648	$937	$25,711	$497,350
24	282	$26,648	$891	$25,757	$471,594
24	283	$26,648	$845	$25,803	$445,791
24	284	$26,648	$799	$25,849	$419,942
24	285	$26,648	$752	$25,895	$394,046
24	286	$26,648	$706	$25,942	$368,104
24	287	$26,648	$660	$25,988	$342,116
24	288	$26,648	$613	$26,035	$316,081
25	289	$26,648	$566	$26,082	$290,000
25	290	$26,648	$520	$26,128	$263,871
25	291	$26,648	$473	$26,175	$237,696
25	292	$26,648	$426	$26,222	$211,474
25	293	$26,648	$379	$26,269	$185,205
25	294	$26,648	$332	$26,316	$158,889
25	295	$26,648	$285	$26,363	$132,526
25	296	$26,648	$237	$26,410	$106,116
25	297	$26,648	$190	$26,458	$79,658
25	298	$26,648	$143	$26,505	$53,153
25	299	$26,648	$95	$26,553	$26,600
25	300	$26,648	$48	$26,600	$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$ 4,120,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,223,000

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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.