Century 21 Centaland Property

Down Payment (HKD)

$3,120,000

Monthly Repayment (HKD)

$20,180

Loan Amount (HKD)

$4,680,000

Total Interest (HKD)

$1,373,976

Total Repayment (HKD)

$6,053,976

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$20,180	$8,385	$11,795	$4,668,205
1	2	$20,180	$8,364	$11,816	$4,656,389
1	3	$20,180	$8,343	$11,837	$4,644,552
1	4	$20,180	$8,321	$11,858	$4,632,693
1	5	$20,180	$8,300	$11,880	$4,620,814
1	6	$20,180	$8,279	$11,901	$4,608,913
1	7	$20,180	$8,258	$11,922	$4,596,990
1	8	$20,180	$8,236	$11,944	$4,585,047
1	9	$20,180	$8,215	$11,965	$4,573,082
1	10	$20,180	$8,193	$11,986	$4,561,095
1	11	$20,180	$8,172	$12,008	$4,549,087
1	12	$20,180	$8,150	$12,029	$4,537,058
2	13	$20,180	$8,129	$12,051	$4,525,007
2	14	$20,180	$8,107	$12,073	$4,512,934
2	15	$20,180	$8,086	$12,094	$4,500,840
2	16	$20,180	$8,064	$12,116	$4,488,724
2	17	$20,180	$8,042	$12,138	$4,476,586
2	18	$20,180	$8,021	$12,159	$4,464,427
2	19	$20,180	$7,999	$12,181	$4,452,246
2	20	$20,180	$7,977	$12,203	$4,440,043
2	21	$20,180	$7,955	$12,225	$4,427,818
2	22	$20,180	$7,933	$12,247	$4,415,571
2	23	$20,180	$7,911	$12,269	$4,403,303
2	24	$20,180	$7,889	$12,291	$4,391,012
3	25	$20,180	$7,867	$12,313	$4,378,699
3	26	$20,180	$7,845	$12,335	$4,366,364
3	27	$20,180	$7,823	$12,357	$4,354,008
3	28	$20,180	$7,801	$12,379	$4,341,629
3	29	$20,180	$7,779	$12,401	$4,329,227
3	30	$20,180	$7,757	$12,423	$4,316,804
3	31	$20,180	$7,734	$12,446	$4,304,358
3	32	$20,180	$7,712	$12,468	$4,291,890
3	33	$20,180	$7,690	$12,490	$4,279,400
3	34	$20,180	$7,667	$12,513	$4,266,888
3	35	$20,180	$7,645	$12,535	$4,254,352
3	36	$20,180	$7,622	$12,558	$4,241,795
4	37	$20,180	$7,600	$12,580	$4,229,215
4	38	$20,180	$7,577	$12,603	$4,216,612
4	39	$20,180	$7,555	$12,625	$4,203,987
4	40	$20,180	$7,532	$12,648	$4,191,339
4	41	$20,180	$7,509	$12,670	$4,178,669
4	42	$20,180	$7,487	$12,693	$4,165,976
4	43	$20,180	$7,464	$12,716	$4,153,260
4	44	$20,180	$7,441	$12,739	$4,140,521
4	45	$20,180	$7,418	$12,761	$4,127,760
4	46	$20,180	$7,396	$12,784	$4,114,975
4	47	$20,180	$7,373	$12,807	$4,102,168
4	48	$20,180	$7,350	$12,830	$4,089,338
5	49	$20,180	$7,327	$12,853	$4,076,485
5	50	$20,180	$7,304	$12,876	$4,063,609
5	51	$20,180	$7,281	$12,899	$4,050,709
5	52	$20,180	$7,258	$12,922	$4,037,787
5	53	$20,180	$7,234	$12,946	$4,024,841
5	54	$20,180	$7,211	$12,969	$4,011,873
5	55	$20,180	$7,188	$12,992	$3,998,881
5	56	$20,180	$7,165	$13,015	$3,985,865
5	57	$20,180	$7,141	$13,039	$3,972,827
5	58	$20,180	$7,118	$13,062	$3,959,765
5	59	$20,180	$7,095	$13,085	$3,946,679
5	60	$20,180	$7,071	$13,109	$3,933,571
6	61	$20,180	$7,048	$13,132	$3,920,438
6	62	$20,180	$7,024	$13,156	$3,907,283
6	63	$20,180	$7,001	$13,179	$3,894,103
6	64	$20,180	$6,977	$13,203	$3,880,900
6	65	$20,180	$6,953	$13,227	$3,867,674
6	66	$20,180	$6,930	$13,250	$3,854,423
6	67	$20,180	$6,906	$13,274	$3,841,149
6	68	$20,180	$6,882	$13,298	$3,827,851
6	69	$20,180	$6,858	$13,322	$3,814,530
6	70	$20,180	$6,834	$13,346	$3,801,184
6	71	$20,180	$6,810	$13,369	$3,787,815
6	72	$20,180	$6,787	$13,393	$3,774,421
7	73	$20,180	$6,763	$13,417	$3,761,004
7	74	$20,180	$6,738	$13,441	$3,747,562
7	75	$20,180	$6,714	$13,466	$3,734,097
7	76	$20,180	$6,690	$13,490	$3,720,607
7	77	$20,180	$6,666	$13,514	$3,707,093
7	78	$20,180	$6,642	$13,538	$3,693,555
7	79	$20,180	$6,618	$13,562	$3,679,993
7	80	$20,180	$6,593	$13,587	$3,666,406
7	81	$20,180	$6,569	$13,611	$3,652,795
7	82	$20,180	$6,545	$13,635	$3,639,160
7	83	$20,180	$6,520	$13,660	$3,625,500
7	84	$20,180	$6,496	$13,684	$3,611,816
8	85	$20,180	$6,471	$13,709	$3,598,107
8	86	$20,180	$6,447	$13,733	$3,584,374
8	87	$20,180	$6,422	$13,758	$3,570,616
8	88	$20,180	$6,397	$13,783	$3,556,833
8	89	$20,180	$6,373	$13,807	$3,543,026
8	90	$20,180	$6,348	$13,832	$3,529,194
8	91	$20,180	$6,323	$13,857	$3,515,337
8	92	$20,180	$6,298	$13,882	$3,501,456
8	93	$20,180	$6,273	$13,906	$3,487,549
8	94	$20,180	$6,249	$13,931	$3,473,618
8	95	$20,180	$6,224	$13,956	$3,459,662
8	96	$20,180	$6,199	$13,981	$3,445,680
9	97	$20,180	$6,174	$14,006	$3,431,674
9	98	$20,180	$6,148	$14,032	$3,417,642
9	99	$20,180	$6,123	$14,057	$3,403,586
9	100	$20,180	$6,098	$14,082	$3,389,504
9	101	$20,180	$6,073	$14,107	$3,375,397
9	102	$20,180	$6,048	$14,132	$3,361,264
9	103	$20,180	$6,022	$14,158	$3,347,107
9	104	$20,180	$5,997	$14,183	$3,332,924
9	105	$20,180	$5,971	$14,208	$3,318,715
9	106	$20,180	$5,946	$14,234	$3,304,481
9	107	$20,180	$5,921	$14,259	$3,290,222
9	108	$20,180	$5,895	$14,285	$3,275,937
10	109	$20,180	$5,869	$14,311	$3,261,627
10	110	$20,180	$5,844	$14,336	$3,247,290
10	111	$20,180	$5,818	$14,362	$3,232,929
10	112	$20,180	$5,792	$14,388	$3,218,541
10	113	$20,180	$5,767	$14,413	$3,204,128
10	114	$20,180	$5,741	$14,439	$3,189,688
10	115	$20,180	$5,715	$14,465	$3,175,223
10	116	$20,180	$5,689	$14,491	$3,160,732
10	117	$20,180	$5,663	$14,517	$3,146,215
10	118	$20,180	$5,637	$14,543	$3,131,672
10	119	$20,180	$5,611	$14,569	$3,117,103
10	120	$20,180	$5,585	$14,595	$3,102,508
11	121	$20,180	$5,559	$14,621	$3,087,887
11	122	$20,180	$5,532	$14,647	$3,073,240
11	123	$20,180	$5,506	$14,674	$3,058,566
11	124	$20,180	$5,480	$14,700	$3,043,866
11	125	$20,180	$5,454	$14,726	$3,029,140
11	126	$20,180	$5,427	$14,753	$3,014,387
11	127	$20,180	$5,401	$14,779	$2,999,608
11	128	$20,180	$5,374	$14,806	$2,984,802
11	129	$20,180	$5,348	$14,832	$2,969,970
11	130	$20,180	$5,321	$14,859	$2,955,111
11	131	$20,180	$5,295	$14,885	$2,940,226
11	132	$20,180	$5,268	$14,912	$2,925,314
12	133	$20,180	$5,241	$14,939	$2,910,375
12	134	$20,180	$5,214	$14,965	$2,895,410
12	135	$20,180	$5,188	$14,992	$2,880,417
12	136	$20,180	$5,161	$15,019	$2,865,398
12	137	$20,180	$5,134	$15,046	$2,850,352
12	138	$20,180	$5,107	$15,073	$2,835,279
12	139	$20,180	$5,080	$15,100	$2,820,179
12	140	$20,180	$5,053	$15,127	$2,805,052
12	141	$20,180	$5,026	$15,154	$2,789,898
12	142	$20,180	$4,999	$15,181	$2,774,716
12	143	$20,180	$4,971	$15,209	$2,759,508
12	144	$20,180	$4,944	$15,236	$2,744,272
13	145	$20,180	$4,917	$15,263	$2,729,009
13	146	$20,180	$4,889	$15,290	$2,713,718
13	147	$20,180	$4,862	$15,318	$2,698,401
13	148	$20,180	$4,835	$15,345	$2,683,055
13	149	$20,180	$4,807	$15,373	$2,667,682
13	150	$20,180	$4,780	$15,400	$2,652,282
13	151	$20,180	$4,752	$15,428	$2,636,854
13	152	$20,180	$4,724	$15,456	$2,621,399
13	153	$20,180	$4,697	$15,483	$2,605,915
13	154	$20,180	$4,669	$15,511	$2,590,404
13	155	$20,180	$4,641	$15,539	$2,574,866
13	156	$20,180	$4,613	$15,567	$2,559,299
14	157	$20,180	$4,585	$15,595	$2,543,705
14	158	$20,180	$4,557	$15,622	$2,528,082
14	159	$20,180	$4,529	$15,650	$2,512,432
14	160	$20,180	$4,501	$15,678	$2,496,753
14	161	$20,180	$4,473	$15,707	$2,481,047
14	162	$20,180	$4,445	$15,735	$2,465,312
14	163	$20,180	$4,417	$15,763	$2,449,549
14	164	$20,180	$4,389	$15,791	$2,433,758
14	165	$20,180	$4,360	$15,819	$2,417,938
14	166	$20,180	$4,332	$15,848	$2,402,091
14	167	$20,180	$4,304	$15,876	$2,386,214
14	168	$20,180	$4,275	$15,905	$2,370,310
15	169	$20,180	$4,247	$15,933	$2,354,377
15	170	$20,180	$4,218	$15,962	$2,338,415
15	171	$20,180	$4,190	$15,990	$2,322,425
15	172	$20,180	$4,161	$16,019	$2,306,406
15	173	$20,180	$4,132	$16,048	$2,290,358
15	174	$20,180	$4,104	$16,076	$2,274,282
15	175	$20,180	$4,075	$16,105	$2,258,177
15	176	$20,180	$4,046	$16,134	$2,242,043
15	177	$20,180	$4,017	$16,163	$2,225,880
15	178	$20,180	$3,988	$16,192	$2,209,688
15	179	$20,180	$3,959	$16,221	$2,193,467
15	180	$20,180	$3,930	$16,250	$2,177,217
16	181	$20,180	$3,901	$16,279	$2,160,938
16	182	$20,180	$3,872	$16,308	$2,144,630
16	183	$20,180	$3,842	$16,337	$2,128,292
16	184	$20,180	$3,813	$16,367	$2,111,926
16	185	$20,180	$3,784	$16,396	$2,095,529
16	186	$20,180	$3,754	$16,425	$2,079,104
16	187	$20,180	$3,725	$16,455	$2,062,649
16	188	$20,180	$3,696	$16,484	$2,046,165
16	189	$20,180	$3,666	$16,514	$2,029,651
16	190	$20,180	$3,636	$16,543	$2,013,108
16	191	$20,180	$3,607	$16,573	$1,996,534
16	192	$20,180	$3,577	$16,603	$1,979,932
17	193	$20,180	$3,547	$16,633	$1,963,299
17	194	$20,180	$3,518	$16,662	$1,946,637
17	195	$20,180	$3,488	$16,692	$1,929,945
17	196	$20,180	$3,458	$16,722	$1,913,222
17	197	$20,180	$3,428	$16,752	$1,896,470
17	198	$20,180	$3,398	$16,782	$1,879,688
17	199	$20,180	$3,368	$16,812	$1,862,876
17	200	$20,180	$3,338	$16,842	$1,846,034
17	201	$20,180	$3,307	$16,872	$1,829,161
17	202	$20,180	$3,277	$16,903	$1,812,259
17	203	$20,180	$3,247	$16,933	$1,795,326
17	204	$20,180	$3,217	$16,963	$1,778,362
18	205	$20,180	$3,186	$16,994	$1,761,369
18	206	$20,180	$3,156	$17,024	$1,744,345
18	207	$20,180	$3,125	$17,055	$1,727,290
18	208	$20,180	$3,095	$17,085	$1,710,205
18	209	$20,180	$3,064	$17,116	$1,693,089
18	210	$20,180	$3,033	$17,146	$1,675,943
18	211	$20,180	$3,003	$17,177	$1,658,765
18	212	$20,180	$2,972	$17,208	$1,641,557
18	213	$20,180	$2,941	$17,239	$1,624,319
18	214	$20,180	$2,910	$17,270	$1,607,049
18	215	$20,180	$2,879	$17,301	$1,589,748
18	216	$20,180	$2,848	$17,332	$1,572,417
19	217	$20,180	$2,817	$17,363	$1,555,054
19	218	$20,180	$2,786	$17,394	$1,537,660
19	219	$20,180	$2,755	$17,425	$1,520,235
19	220	$20,180	$2,724	$17,456	$1,502,779
19	221	$20,180	$2,692	$17,487	$1,485,292
19	222	$20,180	$2,661	$17,519	$1,467,773
19	223	$20,180	$2,630	$17,550	$1,450,223
19	224	$20,180	$2,598	$17,582	$1,432,641
19	225	$20,180	$2,567	$17,613	$1,415,028
19	226	$20,180	$2,535	$17,645	$1,397,383
19	227	$20,180	$2,504	$17,676	$1,379,707
19	228	$20,180	$2,472	$17,708	$1,361,999
20	229	$20,180	$2,440	$17,740	$1,344,259
20	230	$20,180	$2,408	$17,771	$1,326,488
20	231	$20,180	$2,377	$17,803	$1,308,685
20	232	$20,180	$2,345	$17,835	$1,290,849
20	233	$20,180	$2,313	$17,867	$1,272,982
20	234	$20,180	$2,281	$17,899	$1,255,083
20	235	$20,180	$2,249	$17,931	$1,237,152
20	236	$20,180	$2,217	$17,963	$1,219,189
20	237	$20,180	$2,184	$17,996	$1,201,193
20	238	$20,180	$2,152	$18,028	$1,183,165
20	239	$20,180	$2,120	$18,060	$1,165,105
20	240	$20,180	$2,087	$18,092	$1,147,013
21	241	$20,180	$2,055	$18,125	$1,128,888
21	242	$20,180	$2,023	$18,157	$1,110,731
21	243	$20,180	$1,990	$18,190	$1,092,541
21	244	$20,180	$1,957	$18,222	$1,074,318
21	245	$20,180	$1,925	$18,255	$1,056,063
21	246	$20,180	$1,892	$18,288	$1,037,775
21	247	$20,180	$1,859	$18,321	$1,019,455
21	248	$20,180	$1,827	$18,353	$1,001,101
21	249	$20,180	$1,794	$18,386	$982,715
21	250	$20,180	$1,761	$18,419	$964,296
21	251	$20,180	$1,728	$18,452	$945,844
21	252	$20,180	$1,695	$18,485	$927,358
22	253	$20,180	$1,662	$18,518	$908,840
22	254	$20,180	$1,628	$18,552	$890,288
22	255	$20,180	$1,595	$18,585	$871,704
22	256	$20,180	$1,562	$18,618	$853,085
22	257	$20,180	$1,528	$18,651	$834,434
22	258	$20,180	$1,495	$18,685	$815,749
22	259	$20,180	$1,462	$18,718	$797,031
22	260	$20,180	$1,428	$18,752	$778,279
22	261	$20,180	$1,394	$18,786	$759,493
22	262	$20,180	$1,361	$18,819	$740,674
22	263	$20,180	$1,327	$18,853	$721,821
22	264	$20,180	$1,293	$18,887	$702,935
23	265	$20,180	$1,259	$18,920	$684,014
23	266	$20,180	$1,226	$18,954	$665,060
23	267	$20,180	$1,192	$18,988	$646,071
23	268	$20,180	$1,158	$19,022	$627,049
23	269	$20,180	$1,123	$19,056	$607,992
23	270	$20,180	$1,089	$19,091	$588,902
23	271	$20,180	$1,055	$19,125	$569,777
23	272	$20,180	$1,021	$19,159	$550,618
23	273	$20,180	$987	$19,193	$531,425
23	274	$20,180	$952	$19,228	$512,197
23	275	$20,180	$918	$19,262	$492,935
23	276	$20,180	$883	$19,297	$473,638
24	277	$20,180	$849	$19,331	$454,306
24	278	$20,180	$814	$19,366	$434,941
24	279	$20,180	$779	$19,401	$415,540
24	280	$20,180	$745	$19,435	$396,104
24	281	$20,180	$710	$19,470	$376,634
24	282	$20,180	$675	$19,505	$357,129
24	283	$20,180	$640	$19,540	$337,589
24	284	$20,180	$605	$19,575	$318,014
24	285	$20,180	$570	$19,610	$298,404
24	286	$20,180	$535	$19,645	$278,759
24	287	$20,180	$499	$19,680	$259,078
24	288	$20,180	$464	$19,716	$239,362
25	289	$20,180	$429	$19,751	$219,611
25	290	$20,180	$393	$19,786	$199,825
25	291	$20,180	$358	$19,822	$180,003
25	292	$20,180	$323	$19,857	$160,146
25	293	$20,180	$287	$19,893	$140,253
25	294	$20,180	$251	$19,929	$120,324
25	295	$20,180	$216	$19,964	$100,360
25	296	$20,180	$180	$20,000	$80,359
25	297	$20,180	$144	$20,036	$60,323
25	298	$20,180	$108	$20,072	$40,252
25	299	$20,180	$72	$20,108	$20,144
25	300	$20,180	$36	$20,144	$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$ 3,120,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,198,000

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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.