Century 21 Centaland Property

Down Payment (HKD)

$4,960,000

Monthly Repayment (HKD)

$32,081

Loan Amount (HKD)

$7,440,000

Total Interest (HKD)

$2,184,270

Total Repayment (HKD)

$9,624,270

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$32,081	$13,330	$18,751	$7,421,249
1	2	$32,081	$13,296	$18,784	$7,402,465
1	3	$32,081	$13,263	$18,818	$7,383,646
1	4	$32,081	$13,229	$18,852	$7,364,795
1	5	$32,081	$13,195	$18,886	$7,345,909
1	6	$32,081	$13,161	$18,919	$7,326,989
1	7	$32,081	$13,128	$18,953	$7,308,036
1	8	$32,081	$13,094	$18,987	$7,289,049
1	9	$32,081	$13,060	$19,021	$7,270,027
1	10	$32,081	$13,025	$19,055	$7,250,972
1	11	$32,081	$12,991	$19,090	$7,231,882
1	12	$32,081	$12,957	$19,124	$7,212,759
2	13	$32,081	$12,923	$19,158	$7,193,601
2	14	$32,081	$12,889	$19,192	$7,174,408
2	15	$32,081	$12,854	$19,227	$7,155,181
2	16	$32,081	$12,820	$19,261	$7,135,920
2	17	$32,081	$12,785	$19,296	$7,116,625
2	18	$32,081	$12,751	$19,330	$7,097,294
2	19	$32,081	$12,716	$19,365	$7,077,929
2	20	$32,081	$12,681	$19,400	$7,058,530
2	21	$32,081	$12,647	$19,434	$7,039,095
2	22	$32,081	$12,612	$19,469	$7,019,626
2	23	$32,081	$12,577	$19,504	$7,000,122
2	24	$32,081	$12,542	$19,539	$6,980,583
3	25	$32,081	$12,507	$19,574	$6,961,009
3	26	$32,081	$12,472	$19,609	$6,941,400
3	27	$32,081	$12,437	$19,644	$6,921,756
3	28	$32,081	$12,401	$19,679	$6,902,076
3	29	$32,081	$12,366	$19,715	$6,882,362
3	30	$32,081	$12,331	$19,750	$6,862,612
3	31	$32,081	$12,296	$19,785	$6,842,826
3	32	$32,081	$12,260	$19,821	$6,823,005
3	33	$32,081	$12,225	$19,856	$6,803,149
3	34	$32,081	$12,189	$19,892	$6,783,257
3	35	$32,081	$12,153	$19,928	$6,763,330
3	36	$32,081	$12,118	$19,963	$6,743,366
4	37	$32,081	$12,082	$19,999	$6,723,367
4	38	$32,081	$12,046	$20,035	$6,703,332
4	39	$32,081	$12,010	$20,071	$6,683,262
4	40	$32,081	$11,974	$20,107	$6,663,155
4	41	$32,081	$11,938	$20,143	$6,643,012
4	42	$32,081	$11,902	$20,179	$6,622,833
4	43	$32,081	$11,866	$20,215	$6,602,618
4	44	$32,081	$11,830	$20,251	$6,582,367
4	45	$32,081	$11,793	$20,287	$6,562,080
4	46	$32,081	$11,757	$20,324	$6,541,756
4	47	$32,081	$11,721	$20,360	$6,521,396
4	48	$32,081	$11,684	$20,397	$6,500,999
5	49	$32,081	$11,648	$20,433	$6,480,566
5	50	$32,081	$11,611	$20,470	$6,460,096
5	51	$32,081	$11,574	$20,507	$6,439,589
5	52	$32,081	$11,538	$20,543	$6,419,046
5	53	$32,081	$11,501	$20,580	$6,398,466
5	54	$32,081	$11,464	$20,617	$6,377,849
5	55	$32,081	$11,427	$20,654	$6,357,195
5	56	$32,081	$11,390	$20,691	$6,336,504
5	57	$32,081	$11,353	$20,728	$6,315,776
5	58	$32,081	$11,316	$20,765	$6,295,011
5	59	$32,081	$11,279	$20,802	$6,274,208
5	60	$32,081	$11,241	$20,840	$6,253,369
6	61	$32,081	$11,204	$20,877	$6,232,492
6	62	$32,081	$11,167	$20,914	$6,211,577
6	63	$32,081	$11,129	$20,952	$6,190,626
6	64	$32,081	$11,092	$20,989	$6,169,636
6	65	$32,081	$11,054	$21,027	$6,148,609
6	66	$32,081	$11,016	$21,065	$6,127,545
6	67	$32,081	$10,979	$21,102	$6,106,442
6	68	$32,081	$10,941	$21,140	$6,085,302
6	69	$32,081	$10,903	$21,178	$6,064,124
6	70	$32,081	$10,865	$21,216	$6,042,908
6	71	$32,081	$10,827	$21,254	$6,021,654
6	72	$32,081	$10,789	$21,292	$6,000,362
7	73	$32,081	$10,751	$21,330	$5,979,032
7	74	$32,081	$10,712	$21,368	$5,957,663
7	75	$32,081	$10,674	$21,407	$5,936,256
7	76	$32,081	$10,636	$21,445	$5,914,811
7	77	$32,081	$10,597	$21,484	$5,893,328
7	78	$32,081	$10,559	$21,522	$5,871,806
7	79	$32,081	$10,520	$21,561	$5,850,245
7	80	$32,081	$10,482	$21,599	$5,828,646
7	81	$32,081	$10,443	$21,638	$5,807,008
7	82	$32,081	$10,404	$21,677	$5,785,331
7	83	$32,081	$10,365	$21,716	$5,763,616
7	84	$32,081	$10,326	$21,754	$5,741,861
8	85	$32,081	$10,288	$21,793	$5,720,068
8	86	$32,081	$10,248	$21,832	$5,698,236
8	87	$32,081	$10,209	$21,872	$5,676,364
8	88	$32,081	$10,170	$21,911	$5,654,453
8	89	$32,081	$10,131	$21,950	$5,632,503
8	90	$32,081	$10,092	$21,989	$5,610,514
8	91	$32,081	$10,052	$22,029	$5,588,485
8	92	$32,081	$10,013	$22,068	$5,566,417
8	93	$32,081	$9,973	$22,108	$5,544,309
8	94	$32,081	$9,934	$22,147	$5,522,162
8	95	$32,081	$9,894	$22,187	$5,499,975
8	96	$32,081	$9,854	$22,227	$5,477,748
9	97	$32,081	$9,814	$22,267	$5,455,481
9	98	$32,081	$9,774	$22,306	$5,433,175
9	99	$32,081	$9,734	$22,346	$5,410,829
9	100	$32,081	$9,694	$22,386	$5,388,442
9	101	$32,081	$9,654	$22,427	$5,366,015
9	102	$32,081	$9,614	$22,467	$5,343,549
9	103	$32,081	$9,574	$22,507	$5,321,042
9	104	$32,081	$9,534	$22,547	$5,298,494
9	105	$32,081	$9,493	$22,588	$5,275,906
9	106	$32,081	$9,453	$22,628	$5,253,278
9	107	$32,081	$9,412	$22,669	$5,230,609
9	108	$32,081	$9,372	$22,709	$5,207,900
10	109	$32,081	$9,331	$22,750	$5,185,150
10	110	$32,081	$9,290	$22,791	$5,162,359
10	111	$32,081	$9,249	$22,832	$5,139,527
10	112	$32,081	$9,208	$22,873	$5,116,655
10	113	$32,081	$9,167	$22,914	$5,093,741
10	114	$32,081	$9,126	$22,955	$5,070,787
10	115	$32,081	$9,085	$22,996	$5,047,791
10	116	$32,081	$9,044	$23,037	$5,024,754
10	117	$32,081	$9,003	$23,078	$5,001,676
10	118	$32,081	$8,961	$23,120	$4,978,556
10	119	$32,081	$8,920	$23,161	$4,955,395
10	120	$32,081	$8,878	$23,202	$4,932,193
11	121	$32,081	$8,837	$23,244	$4,908,949
11	122	$32,081	$8,795	$23,286	$4,885,663
11	123	$32,081	$8,753	$23,327	$4,862,336
11	124	$32,081	$8,712	$23,369	$4,838,966
11	125	$32,081	$8,670	$23,411	$4,815,555
11	126	$32,081	$8,628	$23,453	$4,792,102
11	127	$32,081	$8,586	$23,495	$4,768,607
11	128	$32,081	$8,544	$23,537	$4,745,070
11	129	$32,081	$8,502	$23,579	$4,721,491
11	130	$32,081	$8,459	$23,622	$4,697,869
11	131	$32,081	$8,417	$23,664	$4,674,205
11	132	$32,081	$8,375	$23,706	$4,650,499
12	133	$32,081	$8,332	$23,749	$4,626,750
12	134	$32,081	$8,290	$23,791	$4,602,959
12	135	$32,081	$8,247	$23,834	$4,579,125
12	136	$32,081	$8,204	$23,877	$4,555,248
12	137	$32,081	$8,161	$23,919	$4,531,329
12	138	$32,081	$8,119	$23,962	$4,507,367
12	139	$32,081	$8,076	$24,005	$4,483,361
12	140	$32,081	$8,033	$24,048	$4,459,313
12	141	$32,081	$7,990	$24,091	$4,435,222
12	142	$32,081	$7,946	$24,134	$4,411,087
12	143	$32,081	$7,903	$24,178	$4,386,910
12	144	$32,081	$7,860	$24,221	$4,362,689
13	145	$32,081	$7,816	$24,264	$4,338,424
13	146	$32,081	$7,773	$24,308	$4,314,116
13	147	$32,081	$7,729	$24,351	$4,289,765
13	148	$32,081	$7,686	$24,395	$4,265,370
13	149	$32,081	$7,642	$24,439	$4,240,931
13	150	$32,081	$7,598	$24,483	$4,216,449
13	151	$32,081	$7,554	$24,526	$4,191,922
13	152	$32,081	$7,511	$24,570	$4,167,352
13	153	$32,081	$7,467	$24,614	$4,142,737
13	154	$32,081	$7,422	$24,658	$4,118,079
13	155	$32,081	$7,378	$24,703	$4,093,376
13	156	$32,081	$7,334	$24,747	$4,068,629
14	157	$32,081	$7,290	$24,791	$4,043,838
14	158	$32,081	$7,245	$24,836	$4,019,002
14	159	$32,081	$7,201	$24,880	$3,994,122
14	160	$32,081	$7,156	$24,925	$3,969,197
14	161	$32,081	$7,111	$24,969	$3,944,228
14	162	$32,081	$7,067	$25,014	$3,919,214
14	163	$32,081	$7,022	$25,059	$3,894,155
14	164	$32,081	$6,977	$25,104	$3,869,051
14	165	$32,081	$6,932	$25,149	$3,843,902
14	166	$32,081	$6,887	$25,194	$3,818,708
14	167	$32,081	$6,842	$25,239	$3,793,469
14	168	$32,081	$6,797	$25,284	$3,768,185
15	169	$32,081	$6,751	$25,330	$3,742,855
15	170	$32,081	$6,706	$25,375	$3,717,480
15	171	$32,081	$6,660	$25,420	$3,692,060
15	172	$32,081	$6,615	$25,466	$3,666,594
15	173	$32,081	$6,569	$25,512	$3,641,082
15	174	$32,081	$6,524	$25,557	$3,615,525
15	175	$32,081	$6,478	$25,603	$3,589,922
15	176	$32,081	$6,432	$25,649	$3,564,273
15	177	$32,081	$6,386	$25,695	$3,538,578
15	178	$32,081	$6,340	$25,741	$3,512,837
15	179	$32,081	$6,294	$25,787	$3,487,050
15	180	$32,081	$6,248	$25,833	$3,461,217
16	181	$32,081	$6,201	$25,880	$3,435,337
16	182	$32,081	$6,155	$25,926	$3,409,411
16	183	$32,081	$6,109	$25,972	$3,383,439
16	184	$32,081	$6,062	$26,019	$3,357,420
16	185	$32,081	$6,015	$26,066	$3,331,355
16	186	$32,081	$5,969	$26,112	$3,305,242
16	187	$32,081	$5,922	$26,159	$3,279,083
16	188	$32,081	$5,875	$26,206	$3,252,877
16	189	$32,081	$5,828	$26,253	$3,226,625
16	190	$32,081	$5,781	$26,300	$3,200,325
16	191	$32,081	$5,734	$26,347	$3,173,978
16	192	$32,081	$5,687	$26,394	$3,147,584
17	193	$32,081	$5,639	$26,441	$3,121,142
17	194	$32,081	$5,592	$26,489	$3,094,653
17	195	$32,081	$5,545	$26,536	$3,068,117
17	196	$32,081	$5,497	$26,584	$3,041,533
17	197	$32,081	$5,449	$26,631	$3,014,902
17	198	$32,081	$5,402	$26,679	$2,988,222
17	199	$32,081	$5,354	$26,727	$2,961,495
17	200	$32,081	$5,306	$26,775	$2,934,720
17	201	$32,081	$5,258	$26,823	$2,907,898
17	202	$32,081	$5,210	$26,871	$2,881,027
17	203	$32,081	$5,162	$26,919	$2,854,108
17	204	$32,081	$5,114	$26,967	$2,827,140
18	205	$32,081	$5,065	$27,016	$2,800,125
18	206	$32,081	$5,017	$27,064	$2,773,061
18	207	$32,081	$4,968	$27,113	$2,745,948
18	208	$32,081	$4,920	$27,161	$2,718,787
18	209	$32,081	$4,871	$27,210	$2,691,577
18	210	$32,081	$4,822	$27,258	$2,664,319
18	211	$32,081	$4,774	$27,307	$2,637,012
18	212	$32,081	$4,725	$27,356	$2,609,655
18	213	$32,081	$4,676	$27,405	$2,582,250
18	214	$32,081	$4,627	$27,454	$2,554,796
18	215	$32,081	$4,577	$27,504	$2,527,292
18	216	$32,081	$4,528	$27,553	$2,499,739
19	217	$32,081	$4,479	$27,602	$2,472,137
19	218	$32,081	$4,429	$27,652	$2,444,485
19	219	$32,081	$4,380	$27,701	$2,416,784
19	220	$32,081	$4,330	$27,751	$2,389,033
19	221	$32,081	$4,280	$27,801	$2,361,233
19	222	$32,081	$4,231	$27,850	$2,333,383
19	223	$32,081	$4,181	$27,900	$2,305,482
19	224	$32,081	$4,131	$27,950	$2,277,532
19	225	$32,081	$4,081	$28,000	$2,249,532
19	226	$32,081	$4,030	$28,050	$2,221,481
19	227	$32,081	$3,980	$28,101	$2,193,380
19	228	$32,081	$3,930	$28,151	$2,165,229
20	229	$32,081	$3,879	$28,202	$2,137,028
20	230	$32,081	$3,829	$28,252	$2,108,776
20	231	$32,081	$3,778	$28,303	$2,080,473
20	232	$32,081	$3,728	$28,353	$2,052,120
20	233	$32,081	$3,677	$28,404	$2,023,716
20	234	$32,081	$3,626	$28,455	$1,995,260
20	235	$32,081	$3,575	$28,506	$1,966,754
20	236	$32,081	$3,524	$28,557	$1,938,197
20	237	$32,081	$3,473	$28,608	$1,909,589
20	238	$32,081	$3,421	$28,660	$1,880,929
20	239	$32,081	$3,370	$28,711	$1,852,218
20	240	$32,081	$3,319	$28,762	$1,823,456
21	241	$32,081	$3,267	$28,814	$1,794,642
21	242	$32,081	$3,215	$28,866	$1,765,777
21	243	$32,081	$3,164	$28,917	$1,736,860
21	244	$32,081	$3,112	$28,969	$1,707,891
21	245	$32,081	$3,060	$29,021	$1,678,870
21	246	$32,081	$3,008	$29,073	$1,649,797
21	247	$32,081	$2,956	$29,125	$1,620,672
21	248	$32,081	$2,904	$29,177	$1,591,494
21	249	$32,081	$2,851	$29,229	$1,562,265
21	250	$32,081	$2,799	$29,282	$1,532,983
21	251	$32,081	$2,747	$29,334	$1,503,649
21	252	$32,081	$2,694	$29,387	$1,474,262
22	253	$32,081	$2,641	$29,440	$1,444,822
22	254	$32,081	$2,589	$29,492	$1,415,330
22	255	$32,081	$2,536	$29,545	$1,385,785
22	256	$32,081	$2,483	$29,598	$1,356,187
22	257	$32,081	$2,430	$29,651	$1,326,536
22	258	$32,081	$2,377	$29,704	$1,296,832
22	259	$32,081	$2,323	$29,757	$1,267,074
22	260	$32,081	$2,270	$29,811	$1,237,264
22	261	$32,081	$2,217	$29,864	$1,207,400
22	262	$32,081	$2,163	$29,918	$1,177,482
22	263	$32,081	$2,110	$29,971	$1,147,511
22	264	$32,081	$2,056	$30,025	$1,117,486
23	265	$32,081	$2,002	$30,079	$1,087,407
23	266	$32,081	$1,948	$30,133	$1,057,274
23	267	$32,081	$1,894	$30,187	$1,027,088
23	268	$32,081	$1,840	$30,241	$996,847
23	269	$32,081	$1,786	$30,295	$966,552
23	270	$32,081	$1,732	$30,349	$936,203
23	271	$32,081	$1,677	$30,404	$905,799
23	272	$32,081	$1,623	$30,458	$875,341
23	273	$32,081	$1,568	$30,513	$844,829
23	274	$32,081	$1,514	$30,567	$814,262
23	275	$32,081	$1,459	$30,622	$783,640
23	276	$32,081	$1,404	$30,677	$752,963
24	277	$32,081	$1,349	$30,732	$722,231
24	278	$32,081	$1,294	$30,787	$691,444
24	279	$32,081	$1,239	$30,842	$660,602
24	280	$32,081	$1,184	$30,897	$629,705
24	281	$32,081	$1,128	$30,953	$598,752
24	282	$32,081	$1,073	$31,008	$567,744
24	283	$32,081	$1,017	$31,064	$536,680
24	284	$32,081	$962	$31,119	$505,561
24	285	$32,081	$906	$31,175	$474,386
24	286	$32,081	$850	$31,231	$443,155
24	287	$32,081	$794	$31,287	$411,868
24	288	$32,081	$738	$31,343	$380,525
25	289	$32,081	$682	$31,399	$349,126
25	290	$32,081	$626	$31,455	$317,670
25	291	$32,081	$569	$31,512	$286,158
25	292	$32,081	$513	$31,568	$254,590
25	293	$32,081	$456	$31,625	$222,966
25	294	$32,081	$399	$31,681	$191,284
25	295	$32,081	$343	$31,738	$159,546
25	296	$32,081	$286	$31,795	$127,751
25	297	$32,081	$229	$31,852	$95,899
25	298	$32,081	$172	$31,909	$63,990
25	299	$32,081	$115	$31,966	$32,024
25	300	$32,081	$57	$32,024	$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$ 4,960,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,084,000

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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.