Century 21 Centaland Property

Down Payment (HKD)

$3,960,000

Monthly Repayment (HKD)

$25,613

Loan Amount (HKD)

$5,940,000

Total Interest (HKD)

$1,743,893

Total Repayment (HKD)

$7,683,893

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$25,613	$10,643	$14,970	$5,925,030
1	2	$25,613	$10,616	$14,997	$5,910,032
1	3	$25,613	$10,589	$15,024	$5,895,008
1	4	$25,613	$10,562	$15,051	$5,879,957
1	5	$25,613	$10,535	$15,078	$5,864,879
1	6	$25,613	$10,508	$15,105	$5,849,774
1	7	$25,613	$10,481	$15,132	$5,834,642
1	8	$25,613	$10,454	$15,159	$5,819,482
1	9	$25,613	$10,427	$15,186	$5,804,296
1	10	$25,613	$10,399	$15,214	$5,789,082
1	11	$25,613	$10,372	$15,241	$5,773,842
1	12	$25,613	$10,345	$15,268	$5,758,573
2	13	$25,613	$10,317	$15,296	$5,743,278
2	14	$25,613	$10,290	$15,323	$5,727,955
2	15	$25,613	$10,263	$15,350	$5,712,605
2	16	$25,613	$10,235	$15,378	$5,697,227
2	17	$25,613	$10,208	$15,405	$5,681,821
2	18	$25,613	$10,180	$15,433	$5,666,388
2	19	$25,613	$10,152	$15,461	$5,650,927
2	20	$25,613	$10,125	$15,488	$5,635,439
2	21	$25,613	$10,097	$15,516	$5,619,923
2	22	$25,613	$10,069	$15,544	$5,604,379
2	23	$25,613	$10,041	$15,572	$5,588,807
2	24	$25,613	$10,013	$15,600	$5,573,207
3	25	$25,613	$9,985	$15,628	$5,557,580
3	26	$25,613	$9,957	$15,656	$5,541,924
3	27	$25,613	$9,929	$15,684	$5,526,240
3	28	$25,613	$9,901	$15,712	$5,510,529
3	29	$25,613	$9,873	$15,740	$5,494,789
3	30	$25,613	$9,845	$15,768	$5,479,021
3	31	$25,613	$9,817	$15,796	$5,463,224
3	32	$25,613	$9,788	$15,825	$5,447,399
3	33	$25,613	$9,760	$15,853	$5,431,546
3	34	$25,613	$9,732	$15,881	$5,415,665
3	35	$25,613	$9,703	$15,910	$5,399,755
3	36	$25,613	$9,675	$15,938	$5,383,817
4	37	$25,613	$9,646	$15,967	$5,367,850
4	38	$25,613	$9,617	$15,996	$5,351,854
4	39	$25,613	$9,589	$16,024	$5,335,830
4	40	$25,613	$9,560	$16,053	$5,319,777
4	41	$25,613	$9,531	$16,082	$5,303,695
4	42	$25,613	$9,502	$16,111	$5,287,585
4	43	$25,613	$9,474	$16,139	$5,271,445
4	44	$25,613	$9,445	$16,168	$5,255,277
4	45	$25,613	$9,416	$16,197	$5,239,080
4	46	$25,613	$9,387	$16,226	$5,222,853
4	47	$25,613	$9,358	$16,255	$5,206,598
4	48	$25,613	$9,328	$16,284	$5,190,314
5	49	$25,613	$9,299	$16,314	$5,174,000
5	50	$25,613	$9,270	$16,343	$5,157,657
5	51	$25,613	$9,241	$16,372	$5,141,285
5	52	$25,613	$9,211	$16,402	$5,124,883
5	53	$25,613	$9,182	$16,431	$5,108,452
5	54	$25,613	$9,153	$16,460	$5,091,992
5	55	$25,613	$9,123	$16,490	$5,075,502
5	56	$25,613	$9,094	$16,519	$5,058,983
5	57	$25,613	$9,064	$16,549	$5,042,434
5	58	$25,613	$9,034	$16,579	$5,025,855
5	59	$25,613	$9,005	$16,608	$5,009,247
5	60	$25,613	$8,975	$16,638	$4,992,609
6	61	$25,613	$8,945	$16,668	$4,975,941
6	62	$25,613	$8,915	$16,698	$4,959,243
6	63	$25,613	$8,885	$16,728	$4,942,516
6	64	$25,613	$8,855	$16,758	$4,925,758
6	65	$25,613	$8,825	$16,788	$4,908,970
6	66	$25,613	$8,795	$16,818	$4,892,153
6	67	$25,613	$8,765	$16,848	$4,875,305
6	68	$25,613	$8,735	$16,878	$4,858,427
6	69	$25,613	$8,705	$16,908	$4,841,518
6	70	$25,613	$8,674	$16,939	$4,824,580
6	71	$25,613	$8,644	$16,969	$4,807,611
6	72	$25,613	$8,614	$16,999	$4,790,611
7	73	$25,613	$8,583	$17,030	$4,773,582
7	74	$25,613	$8,553	$17,060	$4,756,521
7	75	$25,613	$8,522	$17,091	$4,739,430
7	76	$25,613	$8,491	$17,121	$4,722,309
7	77	$25,613	$8,461	$17,152	$4,705,157
7	78	$25,613	$8,430	$17,183	$4,687,974
7	79	$25,613	$8,399	$17,214	$4,670,760
7	80	$25,613	$8,368	$17,245	$4,653,516
7	81	$25,613	$8,338	$17,275	$4,636,240
7	82	$25,613	$8,307	$17,306	$4,618,934
7	83	$25,613	$8,276	$17,337	$4,601,596
7	84	$25,613	$8,245	$17,368	$4,584,228
8	85	$25,613	$8,213	$17,400	$4,566,828
8	86	$25,613	$8,182	$17,431	$4,549,398
8	87	$25,613	$8,151	$17,462	$4,531,936
8	88	$25,613	$8,120	$17,493	$4,514,442
8	89	$25,613	$8,088	$17,525	$4,496,918
8	90	$25,613	$8,057	$17,556	$4,479,362
8	91	$25,613	$8,026	$17,587	$4,461,774
8	92	$25,613	$7,994	$17,619	$4,444,155
8	93	$25,613	$7,962	$17,651	$4,426,505
8	94	$25,613	$7,931	$17,682	$4,408,823
8	95	$25,613	$7,899	$17,714	$4,391,109
8	96	$25,613	$7,867	$17,746	$4,373,363
9	97	$25,613	$7,836	$17,777	$4,355,586
9	98	$25,613	$7,804	$17,809	$4,337,777
9	99	$25,613	$7,772	$17,841	$4,319,936
9	100	$25,613	$7,740	$17,873	$4,302,063
9	101	$25,613	$7,708	$17,905	$4,284,157
9	102	$25,613	$7,676	$17,937	$4,266,220
9	103	$25,613	$7,644	$17,969	$4,248,251
9	104	$25,613	$7,611	$18,002	$4,230,249
9	105	$25,613	$7,579	$18,034	$4,212,216
9	106	$25,613	$7,547	$18,066	$4,194,150
9	107	$25,613	$7,515	$18,098	$4,176,051
9	108	$25,613	$7,482	$18,131	$4,157,920
10	109	$25,613	$7,450	$18,163	$4,139,757
10	110	$25,613	$7,417	$18,196	$4,121,561
10	111	$25,613	$7,384	$18,229	$4,103,332
10	112	$25,613	$7,352	$18,261	$4,085,071
10	113	$25,613	$7,319	$18,294	$4,066,777
10	114	$25,613	$7,286	$18,327	$4,048,451
10	115	$25,613	$7,253	$18,360	$4,030,091
10	116	$25,613	$7,221	$18,392	$4,011,699
10	117	$25,613	$7,188	$18,425	$3,993,273
10	118	$25,613	$7,155	$18,458	$3,974,815
10	119	$25,613	$7,122	$18,491	$3,956,324
10	120	$25,613	$7,088	$18,525	$3,937,799
11	121	$25,613	$7,055	$18,558	$3,919,241
11	122	$25,613	$7,022	$18,591	$3,900,650
11	123	$25,613	$6,989	$18,624	$3,882,026
11	124	$25,613	$6,955	$18,658	$3,863,368
11	125	$25,613	$6,922	$18,691	$3,844,677
11	126	$25,613	$6,888	$18,725	$3,825,953
11	127	$25,613	$6,855	$18,758	$3,807,194
11	128	$25,613	$6,821	$18,792	$3,788,403
11	129	$25,613	$6,788	$18,825	$3,769,577
11	130	$25,613	$6,754	$18,859	$3,750,718
11	131	$25,613	$6,720	$18,893	$3,731,825
11	132	$25,613	$6,686	$18,927	$3,712,898
12	133	$25,613	$6,652	$18,961	$3,693,938
12	134	$25,613	$6,618	$18,995	$3,674,943
12	135	$25,613	$6,584	$19,029	$3,655,914
12	136	$25,613	$6,550	$19,063	$3,636,851
12	137	$25,613	$6,516	$19,097	$3,617,755
12	138	$25,613	$6,482	$19,131	$3,598,623
12	139	$25,613	$6,448	$19,165	$3,579,458
12	140	$25,613	$6,413	$19,200	$3,560,258
12	141	$25,613	$6,379	$19,234	$3,541,024
12	142	$25,613	$6,344	$19,269	$3,521,755
12	143	$25,613	$6,310	$19,303	$3,502,452
12	144	$25,613	$6,275	$19,338	$3,483,114
13	145	$25,613	$6,241	$19,372	$3,463,742
13	146	$25,613	$6,206	$19,407	$3,444,335
13	147	$25,613	$6,171	$19,442	$3,424,893
13	148	$25,613	$6,136	$19,477	$3,405,416
13	149	$25,613	$6,101	$19,512	$3,385,905
13	150	$25,613	$6,066	$19,547	$3,366,358
13	151	$25,613	$6,031	$19,582	$3,346,777
13	152	$25,613	$5,996	$19,617	$3,327,160
13	153	$25,613	$5,961	$19,652	$3,307,508
13	154	$25,613	$5,926	$19,687	$3,287,821
13	155	$25,613	$5,891	$19,722	$3,268,099
13	156	$25,613	$5,855	$19,758	$3,248,341
14	157	$25,613	$5,820	$19,793	$3,228,548
14	158	$25,613	$5,784	$19,828	$3,208,720
14	159	$25,613	$5,749	$19,864	$3,188,856
14	160	$25,613	$5,713	$19,900	$3,168,956
14	161	$25,613	$5,678	$19,935	$3,149,021
14	162	$25,613	$5,642	$19,971	$3,129,050
14	163	$25,613	$5,606	$20,007	$3,109,043
14	164	$25,613	$5,570	$20,043	$3,089,000
14	165	$25,613	$5,534	$20,079	$3,068,922
14	166	$25,613	$5,498	$20,114	$3,048,807
14	167	$25,613	$5,462	$20,151	$3,028,657
14	168	$25,613	$5,426	$20,187	$3,008,470
15	169	$25,613	$5,390	$20,223	$2,988,247
15	170	$25,613	$5,354	$20,259	$2,967,988
15	171	$25,613	$5,318	$20,295	$2,947,693
15	172	$25,613	$5,281	$20,332	$2,927,361
15	173	$25,613	$5,245	$20,368	$2,906,993
15	174	$25,613	$5,208	$20,405	$2,886,589
15	175	$25,613	$5,172	$20,441	$2,866,147
15	176	$25,613	$5,135	$20,478	$2,845,670
15	177	$25,613	$5,098	$20,514	$2,825,155
15	178	$25,613	$5,062	$20,551	$2,804,604
15	179	$25,613	$5,025	$20,588	$2,784,016
15	180	$25,613	$4,988	$20,625	$2,763,391
16	181	$25,613	$4,951	$20,662	$2,742,729
16	182	$25,613	$4,914	$20,699	$2,722,030
16	183	$25,613	$4,877	$20,736	$2,701,294
16	184	$25,613	$4,840	$20,773	$2,680,521
16	185	$25,613	$4,803	$20,810	$2,659,710
16	186	$25,613	$4,765	$20,848	$2,638,863
16	187	$25,613	$4,728	$20,885	$2,617,978
16	188	$25,613	$4,691	$20,922	$2,597,055
16	189	$25,613	$4,653	$20,960	$2,576,095
16	190	$25,613	$4,616	$20,997	$2,555,098
16	191	$25,613	$4,578	$21,035	$2,534,063
16	192	$25,613	$4,540	$21,073	$2,512,990
17	193	$25,613	$4,502	$21,111	$2,491,880
17	194	$25,613	$4,465	$21,148	$2,470,731
17	195	$25,613	$4,427	$21,186	$2,449,545
17	196	$25,613	$4,389	$21,224	$2,428,321
17	197	$25,613	$4,351	$21,262	$2,407,059
17	198	$25,613	$4,313	$21,300	$2,385,758
17	199	$25,613	$4,274	$21,338	$2,364,420
17	200	$25,613	$4,236	$21,377	$2,343,043
17	201	$25,613	$4,198	$21,415	$2,321,628
17	202	$25,613	$4,160	$21,453	$2,300,175
17	203	$25,613	$4,121	$21,492	$2,278,683
17	204	$25,613	$4,083	$21,530	$2,257,152
18	205	$25,613	$4,044	$21,569	$2,235,583
18	206	$25,613	$4,005	$21,608	$2,213,976
18	207	$25,613	$3,967	$21,646	$2,192,330
18	208	$25,613	$3,928	$21,685	$2,170,645
18	209	$25,613	$3,889	$21,724	$2,148,921
18	210	$25,613	$3,850	$21,763	$2,127,158
18	211	$25,613	$3,811	$21,802	$2,105,356
18	212	$25,613	$3,772	$21,841	$2,083,515
18	213	$25,613	$3,733	$21,880	$2,061,635
18	214	$25,613	$3,694	$21,919	$2,039,716
18	215	$25,613	$3,654	$21,958	$2,017,757
18	216	$25,613	$3,615	$21,998	$1,995,760
19	217	$25,613	$3,576	$22,037	$1,973,722
19	218	$25,613	$3,536	$22,077	$1,951,646
19	219	$25,613	$3,497	$22,116	$1,929,529
19	220	$25,613	$3,457	$22,156	$1,907,373
19	221	$25,613	$3,417	$22,196	$1,885,178
19	222	$25,613	$3,378	$22,235	$1,862,942
19	223	$25,613	$3,338	$22,275	$1,840,667
19	224	$25,613	$3,298	$22,315	$1,818,352
19	225	$25,613	$3,258	$22,355	$1,795,997
19	226	$25,613	$3,218	$22,395	$1,773,602
19	227	$25,613	$3,178	$22,435	$1,751,167
19	228	$25,613	$3,138	$22,475	$1,728,691
20	229	$25,613	$3,097	$22,516	$1,706,175
20	230	$25,613	$3,057	$22,556	$1,683,619
20	231	$25,613	$3,016	$22,596	$1,661,023
20	232	$25,613	$2,976	$22,637	$1,638,386
20	233	$25,613	$2,935	$22,678	$1,615,708
20	234	$25,613	$2,895	$22,718	$1,592,990
20	235	$25,613	$2,854	$22,759	$1,570,231
20	236	$25,613	$2,813	$22,800	$1,547,432
20	237	$25,613	$2,772	$22,840	$1,524,591
20	238	$25,613	$2,732	$22,881	$1,501,710
20	239	$25,613	$2,691	$22,922	$1,478,787
20	240	$25,613	$2,649	$22,963	$1,455,824
21	241	$25,613	$2,608	$23,005	$1,432,819
21	242	$25,613	$2,567	$23,046	$1,409,773
21	243	$25,613	$2,526	$23,087	$1,386,686
21	244	$25,613	$2,484	$23,128	$1,363,558
21	245	$25,613	$2,443	$23,170	$1,340,388
21	246	$25,613	$2,402	$23,211	$1,317,176
21	247	$25,613	$2,360	$23,253	$1,293,923
21	248	$25,613	$2,318	$23,295	$1,270,629
21	249	$25,613	$2,277	$23,336	$1,247,292
21	250	$25,613	$2,235	$23,378	$1,223,914
21	251	$25,613	$2,193	$23,420	$1,200,494
21	252	$25,613	$2,151	$23,462	$1,177,032
22	253	$25,613	$2,109	$23,504	$1,153,528
22	254	$25,613	$2,067	$23,546	$1,129,981
22	255	$25,613	$2,025	$23,588	$1,106,393
22	256	$25,613	$1,982	$23,631	$1,082,762
22	257	$25,613	$1,940	$23,673	$1,059,089
22	258	$25,613	$1,898	$23,715	$1,035,374
22	259	$25,613	$1,855	$23,758	$1,011,616
22	260	$25,613	$1,812	$23,800	$987,815
22	261	$25,613	$1,770	$23,843	$963,972
22	262	$25,613	$1,727	$23,886	$940,086
22	263	$25,613	$1,684	$23,929	$916,158
22	264	$25,613	$1,641	$23,972	$892,186
23	265	$25,613	$1,599	$24,014	$868,172
23	266	$25,613	$1,555	$24,058	$844,114
23	267	$25,613	$1,512	$24,101	$820,014
23	268	$25,613	$1,469	$24,144	$795,870
23	269	$25,613	$1,426	$24,187	$771,683
23	270	$25,613	$1,383	$24,230	$747,452
23	271	$25,613	$1,339	$24,274	$723,179
23	272	$25,613	$1,296	$24,317	$698,861
23	273	$25,613	$1,252	$24,361	$674,500
23	274	$25,613	$1,208	$24,404	$650,096
23	275	$25,613	$1,165	$24,448	$625,648
23	276	$25,613	$1,121	$24,492	$601,156
24	277	$25,613	$1,077	$24,536	$576,620
24	278	$25,613	$1,033	$24,580	$552,040
24	279	$25,613	$989	$24,624	$527,416
24	280	$25,613	$945	$24,668	$502,748
24	281	$25,613	$901	$24,712	$478,036
24	282	$25,613	$856	$24,756	$453,279
24	283	$25,613	$812	$24,801	$428,478
24	284	$25,613	$768	$24,845	$403,633
24	285	$25,613	$723	$24,890	$378,743
24	286	$25,613	$679	$24,934	$353,809
24	287	$25,613	$634	$24,979	$328,830
24	288	$25,613	$589	$25,024	$303,806
25	289	$25,613	$544	$25,069	$278,737
25	290	$25,613	$499	$25,114	$253,624
25	291	$25,613	$454	$25,159	$228,465
25	292	$25,613	$409	$25,204	$203,262
25	293	$25,613	$364	$25,249	$178,013
25	294	$25,613	$319	$25,294	$152,719
25	295	$25,613	$274	$25,339	$127,379
25	296	$25,613	$228	$25,385	$101,995
25	297	$25,613	$183	$25,430	$76,564
25	298	$25,613	$137	$25,476	$51,089
25	299	$25,613	$92	$25,521	$25,567
25	300	$25,613	$46	$25,567	$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$ 3,960,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,059,000

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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.