Century 21 Centaland Property

Down Payment (HKD)

$4,800,000

Monthly Repayment (HKD)

$31,046

Loan Amount (HKD)

$7,200,000

Total Interest (HKD)

$2,113,810

Total Repayment (HKD)

$9,313,810

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$31,046	$12,900	$18,146	$7,181,854
1	2	$31,046	$12,867	$18,179	$7,163,675
1	3	$31,046	$12,835	$18,211	$7,145,464
1	4	$31,046	$12,802	$18,244	$7,127,221
1	5	$31,046	$12,770	$18,276	$7,108,944
1	6	$31,046	$12,737	$18,309	$7,090,635
1	7	$31,046	$12,704	$18,342	$7,072,293
1	8	$31,046	$12,671	$18,375	$7,053,918
1	9	$31,046	$12,638	$18,408	$7,035,510
1	10	$31,046	$12,605	$18,441	$7,017,070
1	11	$31,046	$12,572	$18,474	$6,998,596
1	12	$31,046	$12,539	$18,507	$6,980,089
2	13	$31,046	$12,506	$18,540	$6,961,549
2	14	$31,046	$12,473	$18,573	$6,942,976
2	15	$31,046	$12,439	$18,607	$6,924,369
2	16	$31,046	$12,406	$18,640	$6,905,729
2	17	$31,046	$12,373	$18,673	$6,887,056
2	18	$31,046	$12,339	$18,707	$6,868,349
2	19	$31,046	$12,306	$18,740	$6,849,609
2	20	$31,046	$12,272	$18,774	$6,830,835
2	21	$31,046	$12,239	$18,807	$6,812,028
2	22	$31,046	$12,205	$18,841	$6,793,187
2	23	$31,046	$12,171	$18,875	$6,774,312
2	24	$31,046	$12,137	$18,909	$6,755,403
3	25	$31,046	$12,103	$18,943	$6,736,460
3	26	$31,046	$12,069	$18,977	$6,717,484
3	27	$31,046	$12,035	$19,011	$6,698,473
3	28	$31,046	$12,001	$19,045	$6,679,429
3	29	$31,046	$11,967	$19,079	$6,660,350
3	30	$31,046	$11,933	$19,113	$6,641,237
3	31	$31,046	$11,899	$19,147	$6,622,090
3	32	$31,046	$11,865	$19,181	$6,602,908
3	33	$31,046	$11,830	$19,216	$6,583,693
3	34	$31,046	$11,796	$19,250	$6,564,442
3	35	$31,046	$11,761	$19,285	$6,545,158
3	36	$31,046	$11,727	$19,319	$6,525,838
4	37	$31,046	$11,692	$19,354	$6,506,484
4	38	$31,046	$11,657	$19,389	$6,487,096
4	39	$31,046	$11,623	$19,423	$6,467,673
4	40	$31,046	$11,588	$19,458	$6,448,214
4	41	$31,046	$11,553	$19,493	$6,428,721
4	42	$31,046	$11,518	$19,528	$6,409,194
4	43	$31,046	$11,483	$19,563	$6,389,631
4	44	$31,046	$11,448	$19,598	$6,370,033
4	45	$31,046	$11,413	$19,633	$6,350,400
4	46	$31,046	$11,378	$19,668	$6,330,731
4	47	$31,046	$11,343	$19,703	$6,311,028
4	48	$31,046	$11,307	$19,739	$6,291,289
5	49	$31,046	$11,272	$19,774	$6,271,515
5	50	$31,046	$11,236	$19,810	$6,251,705
5	51	$31,046	$11,201	$19,845	$6,231,860
5	52	$31,046	$11,165	$19,881	$6,211,980
5	53	$31,046	$11,130	$19,916	$6,192,064
5	54	$31,046	$11,094	$19,952	$6,172,112
5	55	$31,046	$11,058	$19,988	$6,152,124
5	56	$31,046	$11,023	$20,023	$6,132,100
5	57	$31,046	$10,987	$20,059	$6,112,041
5	58	$31,046	$10,951	$20,095	$6,091,946
5	59	$31,046	$10,915	$20,131	$6,071,815
5	60	$31,046	$10,879	$20,167	$6,051,647
6	61	$31,046	$10,843	$20,203	$6,031,444
6	62	$31,046	$10,806	$20,240	$6,011,204
6	63	$31,046	$10,770	$20,276	$5,990,928
6	64	$31,046	$10,734	$20,312	$5,970,616
6	65	$31,046	$10,697	$20,349	$5,950,267
6	66	$31,046	$10,661	$20,385	$5,929,882
6	67	$31,046	$10,624	$20,422	$5,909,460
6	68	$31,046	$10,588	$20,458	$5,889,002
6	69	$31,046	$10,551	$20,495	$5,868,507
6	70	$31,046	$10,514	$20,532	$5,847,975
6	71	$31,046	$10,478	$20,568	$5,827,407
6	72	$31,046	$10,441	$20,605	$5,806,802
7	73	$31,046	$10,404	$20,642	$5,786,160
7	74	$31,046	$10,367	$20,679	$5,765,480
7	75	$31,046	$10,330	$20,716	$5,744,764
7	76	$31,046	$10,293	$20,753	$5,724,011
7	77	$31,046	$10,256	$20,791	$5,703,220
7	78	$31,046	$10,218	$20,828	$5,682,393
7	79	$31,046	$10,181	$20,865	$5,661,528
7	80	$31,046	$10,144	$20,902	$5,640,625
7	81	$31,046	$10,106	$20,940	$5,619,685
7	82	$31,046	$10,069	$20,977	$5,598,708
7	83	$31,046	$10,031	$21,015	$5,577,693
7	84	$31,046	$9,993	$21,053	$5,556,640
8	85	$31,046	$9,956	$21,090	$5,535,550
8	86	$31,046	$9,918	$21,128	$5,514,421
8	87	$31,046	$9,880	$21,166	$5,493,255
8	88	$31,046	$9,842	$21,204	$5,472,052
8	89	$31,046	$9,804	$21,242	$5,450,810
8	90	$31,046	$9,766	$21,280	$5,429,530
8	91	$31,046	$9,728	$21,318	$5,408,211
8	92	$31,046	$9,690	$21,356	$5,386,855
8	93	$31,046	$9,651	$21,395	$5,365,461
8	94	$31,046	$9,613	$21,433	$5,344,028
8	95	$31,046	$9,575	$21,471	$5,322,556
8	96	$31,046	$9,536	$21,510	$5,301,047
9	97	$31,046	$9,498	$21,548	$5,279,498
9	98	$31,046	$9,459	$21,587	$5,257,911
9	99	$31,046	$9,420	$21,626	$5,236,286
9	100	$31,046	$9,382	$21,664	$5,214,621
9	101	$31,046	$9,343	$21,703	$5,192,918
9	102	$31,046	$9,304	$21,742	$5,171,176
9	103	$31,046	$9,265	$21,781	$5,149,395
9	104	$31,046	$9,226	$21,820	$5,127,575
9	105	$31,046	$9,187	$21,859	$5,105,716
9	106	$31,046	$9,148	$21,898	$5,083,818
9	107	$31,046	$9,109	$21,938	$5,061,880
9	108	$31,046	$9,069	$21,977	$5,039,903
10	109	$31,046	$9,030	$22,016	$5,017,887
10	110	$31,046	$8,990	$22,056	$4,995,831
10	111	$31,046	$8,951	$22,095	$4,973,736
10	112	$31,046	$8,911	$22,135	$4,951,601
10	113	$31,046	$8,872	$22,174	$4,929,427
10	114	$31,046	$8,832	$22,214	$4,907,213
10	115	$31,046	$8,792	$22,254	$4,884,959
10	116	$31,046	$8,752	$22,294	$4,862,665
10	117	$31,046	$8,712	$22,334	$4,840,331
10	118	$31,046	$8,672	$22,374	$4,817,958
10	119	$31,046	$8,632	$22,414	$4,795,544
10	120	$31,046	$8,592	$22,454	$4,773,090
11	121	$31,046	$8,552	$22,494	$4,750,595
11	122	$31,046	$8,511	$22,535	$4,728,061
11	123	$31,046	$8,471	$22,575	$4,705,486
11	124	$31,046	$8,431	$22,615	$4,682,871
11	125	$31,046	$8,390	$22,656	$4,660,215
11	126	$31,046	$8,350	$22,696	$4,637,518
11	127	$31,046	$8,309	$22,737	$4,614,781
11	128	$31,046	$8,268	$22,778	$4,592,003
11	129	$31,046	$8,227	$22,819	$4,569,185
11	130	$31,046	$8,186	$22,860	$4,546,325
11	131	$31,046	$8,145	$22,901	$4,523,424
11	132	$31,046	$8,104	$22,942	$4,500,483
12	133	$31,046	$8,063	$22,983	$4,477,500
12	134	$31,046	$8,022	$23,024	$4,454,476
12	135	$31,046	$7,981	$23,065	$4,431,411
12	136	$31,046	$7,940	$23,106	$4,408,305
12	137	$31,046	$7,898	$23,148	$4,385,157
12	138	$31,046	$7,857	$23,189	$4,361,968
12	139	$31,046	$7,815	$23,231	$4,338,737
12	140	$31,046	$7,774	$23,272	$4,315,464
12	141	$31,046	$7,732	$23,314	$4,292,150
12	142	$31,046	$7,690	$23,356	$4,268,794
12	143	$31,046	$7,648	$23,398	$4,245,397
12	144	$31,046	$7,606	$23,440	$4,221,957
13	145	$31,046	$7,564	$23,482	$4,198,475
13	146	$31,046	$7,522	$23,524	$4,174,951
13	147	$31,046	$7,480	$23,566	$4,151,385
13	148	$31,046	$7,438	$23,608	$4,127,777
13	149	$31,046	$7,396	$23,650	$4,104,127
13	150	$31,046	$7,353	$23,693	$4,080,434
13	151	$31,046	$7,311	$23,735	$4,056,699
13	152	$31,046	$7,268	$23,778	$4,032,921
13	153	$31,046	$7,226	$23,820	$4,009,101
13	154	$31,046	$7,183	$23,863	$3,985,238
13	155	$31,046	$7,140	$23,906	$3,961,332
13	156	$31,046	$7,097	$23,949	$3,937,383
14	157	$31,046	$7,054	$23,992	$3,913,392
14	158	$31,046	$7,011	$24,035	$3,889,357
14	159	$31,046	$6,968	$24,078	$3,865,279
14	160	$31,046	$6,925	$24,121	$3,841,159
14	161	$31,046	$6,882	$24,164	$3,816,995
14	162	$31,046	$6,839	$24,207	$3,792,788
14	163	$31,046	$6,795	$24,251	$3,768,537
14	164	$31,046	$6,752	$24,294	$3,744,243
14	165	$31,046	$6,708	$24,338	$3,719,905
14	166	$31,046	$6,665	$24,381	$3,695,524
14	167	$31,046	$6,621	$24,425	$3,671,099
14	168	$31,046	$6,577	$24,469	$3,646,631
15	169	$31,046	$6,534	$24,512	$3,622,118
15	170	$31,046	$6,490	$24,556	$3,597,562
15	171	$31,046	$6,446	$24,600	$3,572,961
15	172	$31,046	$6,402	$24,644	$3,548,317
15	173	$31,046	$6,357	$24,689	$3,523,628
15	174	$31,046	$6,313	$24,733	$3,498,895
15	175	$31,046	$6,269	$24,777	$3,474,118
15	176	$31,046	$6,224	$24,822	$3,449,296
15	177	$31,046	$6,180	$24,866	$3,424,430
15	178	$31,046	$6,135	$24,911	$3,399,520
15	179	$31,046	$6,091	$24,955	$3,374,565
15	180	$31,046	$6,046	$25,000	$3,349,565
16	181	$31,046	$6,001	$25,045	$3,324,520
16	182	$31,046	$5,956	$25,090	$3,299,430
16	183	$31,046	$5,911	$25,135	$3,274,296
16	184	$31,046	$5,866	$25,180	$3,249,116
16	185	$31,046	$5,821	$25,225	$3,223,892
16	186	$31,046	$5,776	$25,270	$3,198,622
16	187	$31,046	$5,731	$25,315	$3,173,306
16	188	$31,046	$5,686	$25,361	$3,147,946
16	189	$31,046	$5,640	$25,406	$3,122,540
16	190	$31,046	$5,595	$25,451	$3,097,088
16	191	$31,046	$5,549	$25,497	$3,071,591
16	192	$31,046	$5,503	$25,543	$3,046,049
17	193	$31,046	$5,458	$25,589	$3,020,460
17	194	$31,046	$5,412	$25,634	$2,994,826
17	195	$31,046	$5,366	$25,680	$2,969,145
17	196	$31,046	$5,320	$25,726	$2,943,419
17	197	$31,046	$5,274	$25,772	$2,917,647
17	198	$31,046	$5,227	$25,819	$2,891,828
17	199	$31,046	$5,181	$25,865	$2,865,963
17	200	$31,046	$5,135	$25,911	$2,840,052
17	201	$31,046	$5,088	$25,958	$2,814,094
17	202	$31,046	$5,042	$26,004	$2,788,090
17	203	$31,046	$4,995	$26,051	$2,762,040
17	204	$31,046	$4,949	$26,097	$2,735,942
18	205	$31,046	$4,902	$26,144	$2,709,798
18	206	$31,046	$4,855	$26,191	$2,683,607
18	207	$31,046	$4,808	$26,238	$2,657,369
18	208	$31,046	$4,761	$26,285	$2,631,084
18	209	$31,046	$4,714	$26,332	$2,604,752
18	210	$31,046	$4,667	$26,379	$2,578,373
18	211	$31,046	$4,620	$26,426	$2,551,947
18	212	$31,046	$4,572	$26,474	$2,525,473
18	213	$31,046	$4,525	$26,521	$2,498,952
18	214	$31,046	$4,477	$26,569	$2,472,383
18	215	$31,046	$4,430	$26,616	$2,445,767
18	216	$31,046	$4,382	$26,664	$2,419,103
19	217	$31,046	$4,334	$26,712	$2,392,391
19	218	$31,046	$4,286	$26,760	$2,365,631
19	219	$31,046	$4,238	$26,808	$2,338,823
19	220	$31,046	$4,190	$26,856	$2,311,968
19	221	$31,046	$4,142	$26,904	$2,285,064
19	222	$31,046	$4,094	$26,952	$2,258,112
19	223	$31,046	$4,046	$27,000	$2,231,112
19	224	$31,046	$3,997	$27,049	$2,204,063
19	225	$31,046	$3,949	$27,097	$2,176,966
19	226	$31,046	$3,900	$27,146	$2,149,821
19	227	$31,046	$3,852	$27,194	$2,122,626
19	228	$31,046	$3,803	$27,243	$2,095,383
20	229	$31,046	$3,754	$27,292	$2,068,091
20	230	$31,046	$3,705	$27,341	$2,040,751
20	231	$31,046	$3,656	$27,390	$2,013,361
20	232	$31,046	$3,607	$27,439	$1,985,922
20	233	$31,046	$3,558	$27,488	$1,958,434
20	234	$31,046	$3,509	$27,537	$1,930,897
20	235	$31,046	$3,460	$27,587	$1,903,311
20	236	$31,046	$3,410	$27,636	$1,875,675
20	237	$31,046	$3,361	$27,685	$1,847,989
20	238	$31,046	$3,311	$27,735	$1,820,254
20	239	$31,046	$3,261	$27,785	$1,792,470
20	240	$31,046	$3,212	$27,835	$1,764,635
21	241	$31,046	$3,162	$27,884	$1,736,751
21	242	$31,046	$3,112	$27,934	$1,708,816
21	243	$31,046	$3,062	$27,984	$1,680,832
21	244	$31,046	$3,011	$28,035	$1,652,797
21	245	$31,046	$2,961	$28,085	$1,624,713
21	246	$31,046	$2,911	$28,135	$1,596,577
21	247	$31,046	$2,861	$28,185	$1,568,392
21	248	$31,046	$2,810	$28,236	$1,540,156
21	249	$31,046	$2,759	$28,287	$1,511,869
21	250	$31,046	$2,709	$28,337	$1,483,532
21	251	$31,046	$2,658	$28,388	$1,455,144
21	252	$31,046	$2,607	$28,439	$1,426,705
22	253	$31,046	$2,556	$28,490	$1,398,215
22	254	$31,046	$2,505	$28,541	$1,369,674
22	255	$31,046	$2,454	$28,592	$1,341,082
22	256	$31,046	$2,403	$28,643	$1,312,439
22	257	$31,046	$2,351	$28,695	$1,283,745
22	258	$31,046	$2,300	$28,746	$1,254,999
22	259	$31,046	$2,249	$28,797	$1,226,201
22	260	$31,046	$2,197	$28,849	$1,197,352
22	261	$31,046	$2,145	$28,901	$1,168,451
22	262	$31,046	$2,093	$28,953	$1,139,499
22	263	$31,046	$2,042	$29,004	$1,110,494
22	264	$31,046	$1,990	$29,056	$1,081,438
23	265	$31,046	$1,938	$29,108	$1,052,329
23	266	$31,046	$1,885	$29,161	$1,023,169
23	267	$31,046	$1,833	$29,213	$993,956
23	268	$31,046	$1,781	$29,265	$964,691
23	269	$31,046	$1,728	$29,318	$935,373
23	270	$31,046	$1,676	$29,370	$906,003
23	271	$31,046	$1,623	$29,423	$876,580
23	272	$31,046	$1,571	$29,475	$847,105
23	273	$31,046	$1,518	$29,528	$817,576
23	274	$31,046	$1,465	$29,581	$787,995
23	275	$31,046	$1,412	$29,634	$758,361
23	276	$31,046	$1,359	$29,687	$728,674
24	277	$31,046	$1,306	$29,740	$698,933
24	278	$31,046	$1,252	$29,794	$669,139
24	279	$31,046	$1,199	$29,847	$639,292
24	280	$31,046	$1,145	$29,901	$609,392
24	281	$31,046	$1,092	$29,954	$579,437
24	282	$31,046	$1,038	$30,008	$549,429
24	283	$31,046	$984	$30,062	$519,368
24	284	$31,046	$931	$30,115	$489,252
24	285	$31,046	$877	$30,169	$459,083
24	286	$31,046	$823	$30,224	$428,859
24	287	$31,046	$768	$30,278	$398,582
24	288	$31,046	$714	$30,332	$368,250
25	289	$31,046	$660	$30,386	$337,863
25	290	$31,046	$605	$30,441	$307,423
25	291	$31,046	$551	$30,495	$276,928
25	292	$31,046	$496	$30,550	$246,378
25	293	$31,046	$441	$30,605	$215,773
25	294	$31,046	$387	$30,659	$185,114
25	295	$31,046	$332	$30,714	$154,399
25	296	$31,046	$277	$30,769	$123,630
25	297	$31,046	$222	$30,825	$92,805
25	298	$31,046	$166	$30,880	$61,926
25	299	$31,046	$111	$30,935	$30,991
25	300	$31,046	$56	$30,991	$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$ 4,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,920,000

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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.