Century 21 Centaland Property

Down Payment (HKD)

$3,592,000

Monthly Repayment (HKD)

$23,233

Loan Amount (HKD)

$5,388,000

Total Interest (HKD)

$1,581,834

Total Repayment (HKD)

$6,969,834

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$23,233	$9,654	$13,579	$5,374,421
1	2	$23,233	$9,629	$13,604	$5,360,817
1	3	$23,233	$9,605	$13,628	$5,347,189
1	4	$23,233	$9,580	$13,652	$5,333,537
1	5	$23,233	$9,556	$13,677	$5,319,860
1	6	$23,233	$9,531	$13,701	$5,306,158
1	7	$23,233	$9,507	$13,726	$5,292,433
1	8	$23,233	$9,482	$13,751	$5,278,682
1	9	$23,233	$9,458	$13,775	$5,264,907
1	10	$23,233	$9,433	$13,800	$5,251,107
1	11	$23,233	$9,408	$13,825	$5,237,283
1	12	$23,233	$9,383	$13,849	$5,223,433
2	13	$23,233	$9,359	$13,874	$5,209,559
2	14	$23,233	$9,334	$13,899	$5,195,660
2	15	$23,233	$9,309	$13,924	$5,181,736
2	16	$23,233	$9,284	$13,949	$5,167,787
2	17	$23,233	$9,259	$13,974	$5,153,814
2	18	$23,233	$9,234	$13,999	$5,139,815
2	19	$23,233	$9,209	$14,024	$5,125,791
2	20	$23,233	$9,184	$14,049	$5,111,742
2	21	$23,233	$9,159	$14,074	$5,097,667
2	22	$23,233	$9,133	$14,099	$5,083,568
2	23	$23,233	$9,108	$14,125	$5,069,443
2	24	$23,233	$9,083	$14,150	$5,055,293
3	25	$23,233	$9,057	$14,175	$5,041,118
3	26	$23,233	$9,032	$14,201	$5,026,917
3	27	$23,233	$9,007	$14,226	$5,012,691
3	28	$23,233	$8,981	$14,252	$4,998,439
3	29	$23,233	$8,956	$14,277	$4,984,162
3	30	$23,233	$8,930	$14,303	$4,969,859
3	31	$23,233	$8,904	$14,328	$4,955,531
3	32	$23,233	$8,879	$14,354	$4,941,176
3	33	$23,233	$8,853	$14,380	$4,926,797
3	34	$23,233	$8,827	$14,406	$4,912,391
3	35	$23,233	$8,801	$14,431	$4,897,960
3	36	$23,233	$8,776	$14,457	$4,883,502
4	37	$23,233	$8,750	$14,483	$4,869,019
4	38	$23,233	$8,724	$14,509	$4,854,510
4	39	$23,233	$8,698	$14,535	$4,839,975
4	40	$23,233	$8,672	$14,561	$4,825,414
4	41	$23,233	$8,646	$14,587	$4,810,827
4	42	$23,233	$8,619	$14,613	$4,796,213
4	43	$23,233	$8,593	$14,640	$4,781,574
4	44	$23,233	$8,567	$14,666	$4,766,908
4	45	$23,233	$8,541	$14,692	$4,752,216
4	46	$23,233	$8,514	$14,718	$4,737,497
4	47	$23,233	$8,488	$14,745	$4,722,753
4	48	$23,233	$8,462	$14,771	$4,707,981
5	49	$23,233	$8,435	$14,798	$4,693,184
5	50	$23,233	$8,409	$14,824	$4,678,360
5	51	$23,233	$8,382	$14,851	$4,663,509
5	52	$23,233	$8,355	$14,877	$4,648,632
5	53	$23,233	$8,329	$14,904	$4,633,728
5	54	$23,233	$8,302	$14,931	$4,618,797
5	55	$23,233	$8,275	$14,957	$4,603,839
5	56	$23,233	$8,249	$14,984	$4,588,855
5	57	$23,233	$8,222	$15,011	$4,573,844
5	58	$23,233	$8,195	$15,038	$4,558,806
5	59	$23,233	$8,168	$15,065	$4,543,741
5	60	$23,233	$8,141	$15,092	$4,528,649
6	61	$23,233	$8,114	$15,119	$4,513,530
6	62	$23,233	$8,087	$15,146	$4,498,384
6	63	$23,233	$8,060	$15,173	$4,483,211
6	64	$23,233	$8,032	$15,200	$4,468,011
6	65	$23,233	$8,005	$15,228	$4,452,783
6	66	$23,233	$7,978	$15,255	$4,437,528
6	67	$23,233	$7,951	$15,282	$4,422,246
6	68	$23,233	$7,923	$15,310	$4,406,936
6	69	$23,233	$7,896	$15,337	$4,391,599
6	70	$23,233	$7,868	$15,364	$4,376,235
6	71	$23,233	$7,841	$15,392	$4,360,843
6	72	$23,233	$7,813	$15,420	$4,345,423
7	73	$23,233	$7,786	$15,447	$4,329,976
7	74	$23,233	$7,758	$15,475	$4,314,501
7	75	$23,233	$7,730	$15,503	$4,298,999
7	76	$23,233	$7,702	$15,530	$4,283,468
7	77	$23,233	$7,675	$15,558	$4,267,910
7	78	$23,233	$7,647	$15,586	$4,252,324
7	79	$23,233	$7,619	$15,614	$4,236,710
7	80	$23,233	$7,591	$15,642	$4,221,068
7	81	$23,233	$7,563	$15,670	$4,205,398
7	82	$23,233	$7,535	$15,698	$4,189,700
7	83	$23,233	$7,507	$15,726	$4,173,973
7	84	$23,233	$7,478	$15,754	$4,158,219
8	85	$23,233	$7,450	$15,783	$4,142,436
8	86	$23,233	$7,422	$15,811	$4,126,625
8	87	$23,233	$7,394	$15,839	$4,110,786
8	88	$23,233	$7,365	$15,868	$4,094,919
8	89	$23,233	$7,337	$15,896	$4,079,022
8	90	$23,233	$7,308	$15,925	$4,063,098
8	91	$23,233	$7,280	$15,953	$4,047,145
8	92	$23,233	$7,251	$15,982	$4,031,163
8	93	$23,233	$7,223	$16,010	$4,015,153
8	94	$23,233	$7,194	$16,039	$3,999,114
8	95	$23,233	$7,165	$16,068	$3,983,046
8	96	$23,233	$7,136	$16,096	$3,966,950
9	97	$23,233	$7,107	$16,125	$3,950,824
9	98	$23,233	$7,079	$16,154	$3,934,670
9	99	$23,233	$7,050	$16,183	$3,918,487
9	100	$23,233	$7,021	$16,212	$3,902,275
9	101	$23,233	$6,992	$16,241	$3,886,034
9	102	$23,233	$6,962	$16,270	$3,869,763
9	103	$23,233	$6,933	$16,299	$3,853,464
9	104	$23,233	$6,904	$16,329	$3,837,135
9	105	$23,233	$6,875	$16,358	$3,820,777
9	106	$23,233	$6,846	$16,387	$3,804,390
9	107	$23,233	$6,816	$16,417	$3,787,974
9	108	$23,233	$6,787	$16,446	$3,771,528
10	109	$23,233	$6,757	$16,475	$3,755,052
10	110	$23,233	$6,728	$16,505	$3,738,547
10	111	$23,233	$6,698	$16,535	$3,722,013
10	112	$23,233	$6,669	$16,564	$3,705,448
10	113	$23,233	$6,639	$16,594	$3,688,855
10	114	$23,233	$6,609	$16,624	$3,672,231
10	115	$23,233	$6,579	$16,653	$3,655,578
10	116	$23,233	$6,550	$16,683	$3,638,894
10	117	$23,233	$6,520	$16,713	$3,622,181
10	118	$23,233	$6,490	$16,743	$3,605,438
10	119	$23,233	$6,460	$16,773	$3,588,665
10	120	$23,233	$6,430	$16,803	$3,571,862
11	121	$23,233	$6,400	$16,833	$3,555,029
11	122	$23,233	$6,369	$16,863	$3,538,166
11	123	$23,233	$6,339	$16,894	$3,521,272
11	124	$23,233	$6,309	$16,924	$3,504,348
11	125	$23,233	$6,279	$16,954	$3,487,394
11	126	$23,233	$6,248	$16,985	$3,470,410
11	127	$23,233	$6,218	$17,015	$3,453,395
11	128	$23,233	$6,187	$17,045	$3,436,349
11	129	$23,233	$6,157	$17,076	$3,419,273
11	130	$23,233	$6,126	$17,107	$3,402,167
11	131	$23,233	$6,096	$17,137	$3,385,029
11	132	$23,233	$6,065	$17,168	$3,367,861
12	133	$23,233	$6,034	$17,199	$3,350,663
12	134	$23,233	$6,003	$17,230	$3,333,433
12	135	$23,233	$5,972	$17,260	$3,316,173
12	136	$23,233	$5,941	$17,291	$3,298,881
12	137	$23,233	$5,910	$17,322	$3,281,559
12	138	$23,233	$5,879	$17,353	$3,264,206
12	139	$23,233	$5,848	$17,384	$3,246,821
12	140	$23,233	$5,817	$17,416	$3,229,406
12	141	$23,233	$5,786	$17,447	$3,211,959
12	142	$23,233	$5,755	$17,478	$3,194,481
12	143	$23,233	$5,723	$17,509	$3,176,972
12	144	$23,233	$5,692	$17,541	$3,159,431
13	145	$23,233	$5,661	$17,572	$3,141,859
13	146	$23,233	$5,629	$17,604	$3,124,255
13	147	$23,233	$5,598	$17,635	$3,106,620
13	148	$23,233	$5,566	$17,667	$3,088,953
13	149	$23,233	$5,534	$17,698	$3,071,255
13	150	$23,233	$5,503	$17,730	$3,053,525
13	151	$23,233	$5,471	$17,762	$3,035,763
13	152	$23,233	$5,439	$17,794	$3,017,969
13	153	$23,233	$5,407	$17,826	$3,000,144
13	154	$23,233	$5,375	$17,858	$2,982,286
13	155	$23,233	$5,343	$17,890	$2,964,397
13	156	$23,233	$5,311	$17,922	$2,946,475
14	157	$23,233	$5,279	$17,954	$2,928,521
14	158	$23,233	$5,247	$17,986	$2,910,536
14	159	$23,233	$5,215	$18,018	$2,892,517
14	160	$23,233	$5,182	$18,050	$2,874,467
14	161	$23,233	$5,150	$18,083	$2,856,384
14	162	$23,233	$5,118	$18,115	$2,838,269
14	163	$23,233	$5,085	$18,148	$2,820,122
14	164	$23,233	$5,053	$18,180	$2,801,942
14	165	$23,233	$5,020	$18,213	$2,783,729
14	166	$23,233	$4,988	$18,245	$2,765,484
14	167	$23,233	$4,955	$18,278	$2,747,206
14	168	$23,233	$4,922	$18,311	$2,728,895
15	169	$23,233	$4,889	$18,344	$2,710,552
15	170	$23,233	$4,856	$18,376	$2,692,175
15	171	$23,233	$4,823	$18,409	$2,673,766
15	172	$23,233	$4,790	$18,442	$2,655,324
15	173	$23,233	$4,757	$18,475	$2,636,848
15	174	$23,233	$4,724	$18,508	$2,618,340
15	175	$23,233	$4,691	$18,542	$2,599,798
15	176	$23,233	$4,658	$18,575	$2,581,224
15	177	$23,233	$4,625	$18,608	$2,562,615
15	178	$23,233	$4,591	$18,641	$2,543,974
15	179	$23,233	$4,558	$18,675	$2,525,299
15	180	$23,233	$4,524	$18,708	$2,506,591
16	181	$23,233	$4,491	$18,742	$2,487,849
16	182	$23,233	$4,457	$18,775	$2,469,074
16	183	$23,233	$4,424	$18,809	$2,450,265
16	184	$23,233	$4,390	$18,843	$2,431,422
16	185	$23,233	$4,356	$18,876	$2,412,545
16	186	$23,233	$4,322	$18,910	$2,393,635
16	187	$23,233	$4,289	$18,944	$2,374,691
16	188	$23,233	$4,255	$18,978	$2,355,713
16	189	$23,233	$4,221	$19,012	$2,336,701
16	190	$23,233	$4,187	$19,046	$2,317,655
16	191	$23,233	$4,152	$19,080	$2,298,574
16	192	$23,233	$4,118	$19,115	$2,279,460
17	193	$23,233	$4,084	$19,149	$2,260,311
17	194	$23,233	$4,050	$19,183	$2,241,128
17	195	$23,233	$4,015	$19,217	$2,221,910
17	196	$23,233	$3,981	$19,252	$2,202,659
17	197	$23,233	$3,946	$19,286	$2,183,372
17	198	$23,233	$3,912	$19,321	$2,164,051
17	199	$23,233	$3,877	$19,356	$2,144,696
17	200	$23,233	$3,843	$19,390	$2,125,306
17	201	$23,233	$3,808	$19,425	$2,105,881
17	202	$23,233	$3,773	$19,460	$2,086,421
17	203	$23,233	$3,738	$19,495	$2,066,926
17	204	$23,233	$3,703	$19,530	$2,047,397
18	205	$23,233	$3,668	$19,565	$2,027,832
18	206	$23,233	$3,633	$19,600	$2,008,233
18	207	$23,233	$3,598	$19,635	$1,988,598
18	208	$23,233	$3,563	$19,670	$1,968,928
18	209	$23,233	$3,528	$19,705	$1,949,223
18	210	$23,233	$3,492	$19,740	$1,929,483
18	211	$23,233	$3,457	$19,776	$1,909,707
18	212	$23,233	$3,422	$19,811	$1,889,896
18	213	$23,233	$3,386	$19,847	$1,870,049
18	214	$23,233	$3,351	$19,882	$1,850,167
18	215	$23,233	$3,315	$19,918	$1,830,249
18	216	$23,233	$3,279	$19,954	$1,810,295
19	217	$23,233	$3,243	$19,989	$1,790,306
19	218	$23,233	$3,208	$20,025	$1,770,281
19	219	$23,233	$3,172	$20,061	$1,750,220
19	220	$23,233	$3,136	$20,097	$1,730,123
19	221	$23,233	$3,100	$20,133	$1,709,990
19	222	$23,233	$3,064	$20,169	$1,689,821
19	223	$23,233	$3,028	$20,205	$1,669,615
19	224	$23,233	$2,991	$20,241	$1,649,374
19	225	$23,233	$2,955	$20,278	$1,629,096
19	226	$23,233	$2,919	$20,314	$1,608,782
19	227	$23,233	$2,882	$20,350	$1,588,432
19	228	$23,233	$2,846	$20,387	$1,568,045
20	229	$23,233	$2,809	$20,423	$1,547,622
20	230	$23,233	$2,773	$20,460	$1,527,162
20	231	$23,233	$2,736	$20,497	$1,506,665
20	232	$23,233	$2,699	$20,533	$1,486,132
20	233	$23,233	$2,663	$20,570	$1,465,562
20	234	$23,233	$2,626	$20,607	$1,444,955
20	235	$23,233	$2,589	$20,644	$1,424,311
20	236	$23,233	$2,552	$20,681	$1,403,630
20	237	$23,233	$2,515	$20,718	$1,382,912
20	238	$23,233	$2,478	$20,755	$1,362,157
20	239	$23,233	$2,441	$20,792	$1,341,365
20	240	$23,233	$2,403	$20,830	$1,320,535
21	241	$23,233	$2,366	$20,867	$1,299,668
21	242	$23,233	$2,329	$20,904	$1,278,764
21	243	$23,233	$2,291	$20,942	$1,257,822
21	244	$23,233	$2,254	$20,979	$1,236,843
21	245	$23,233	$2,216	$21,017	$1,215,827
21	246	$23,233	$2,178	$21,054	$1,194,772
21	247	$23,233	$2,141	$21,092	$1,173,680
21	248	$23,233	$2,103	$21,130	$1,152,550
21	249	$23,233	$2,065	$21,168	$1,131,382
21	250	$23,233	$2,027	$21,206	$1,110,177
21	251	$23,233	$1,989	$21,244	$1,088,933
21	252	$23,233	$1,951	$21,282	$1,067,651
22	253	$23,233	$1,913	$21,320	$1,046,331
22	254	$23,233	$1,875	$21,358	$1,024,973
22	255	$23,233	$1,836	$21,396	$1,003,577
22	256	$23,233	$1,798	$21,435	$982,142
22	257	$23,233	$1,760	$21,473	$960,669
22	258	$23,233	$1,721	$21,512	$939,157
22	259	$23,233	$1,683	$21,550	$917,607
22	260	$23,233	$1,644	$21,589	$896,018
22	261	$23,233	$1,605	$21,627	$874,391
22	262	$23,233	$1,567	$21,666	$852,725
22	263	$23,233	$1,528	$21,705	$831,020
22	264	$23,233	$1,489	$21,744	$809,276
23	265	$23,233	$1,450	$21,783	$787,493
23	266	$23,233	$1,411	$21,822	$765,671
23	267	$23,233	$1,372	$21,861	$743,810
23	268	$23,233	$1,333	$21,900	$721,910
23	269	$23,233	$1,293	$21,939	$699,971
23	270	$23,233	$1,254	$21,979	$677,992
23	271	$23,233	$1,215	$22,018	$655,974
23	272	$23,233	$1,175	$22,057	$633,917
23	273	$23,233	$1,136	$22,097	$611,820
23	274	$23,233	$1,096	$22,137	$589,683
23	275	$23,233	$1,057	$22,176	$567,507
23	276	$23,233	$1,017	$22,216	$545,291
24	277	$23,233	$977	$22,256	$523,035
24	278	$23,233	$937	$22,296	$500,739
24	279	$23,233	$897	$22,336	$478,404
24	280	$23,233	$857	$22,376	$456,028
24	281	$23,233	$817	$22,416	$433,612
24	282	$23,233	$777	$22,456	$411,156
24	283	$23,233	$737	$22,496	$388,660
24	284	$23,233	$696	$22,536	$366,124
24	285	$23,233	$656	$22,577	$343,547
24	286	$23,233	$616	$22,617	$320,930
24	287	$23,233	$575	$22,658	$298,272
24	288	$23,233	$534	$22,698	$275,574
25	289	$23,233	$494	$22,739	$252,835
25	290	$23,233	$453	$22,780	$230,055
25	291	$23,233	$412	$22,821	$207,234
25	292	$23,233	$371	$22,861	$184,373
25	293	$23,233	$330	$22,902	$161,470
25	294	$23,233	$289	$22,943	$138,527
25	295	$23,233	$248	$22,985	$115,542
25	296	$23,233	$207	$23,026	$92,516
25	297	$23,233	$166	$23,067	$69,449
25	298	$23,233	$124	$23,108	$46,341
25	299	$23,233	$83	$23,150	$23,191
25	300	$23,233	$42	$23,191	$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$ 3,592,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,681,800

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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.