Century 21 Centaland Property

Down Payment (HKD)

$5,872,000

Monthly Repayment (HKD)

$37,980

Loan Amount (HKD)

$8,808,000

Total Interest (HKD)

$2,585,894

Total Repayment (HKD)

$11,393,894

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$37,980	$15,781	$22,199	$8,785,801
1	2	$37,980	$15,741	$22,238	$8,763,563
1	3	$37,980	$15,701	$22,278	$8,741,285
1	4	$37,980	$15,661	$22,318	$8,718,966
1	5	$37,980	$15,621	$22,358	$8,696,608
1	6	$37,980	$15,581	$22,398	$8,674,210
1	7	$37,980	$15,541	$22,438	$8,651,772
1	8	$37,980	$15,501	$22,479	$8,629,293
1	9	$37,980	$15,461	$22,519	$8,606,774
1	10	$37,980	$15,420	$22,559	$8,584,215
1	11	$37,980	$15,380	$22,600	$8,561,616
1	12	$37,980	$15,340	$22,640	$8,538,976
2	13	$37,980	$15,299	$22,681	$8,516,295
2	14	$37,980	$15,258	$22,721	$8,493,574
2	15	$37,980	$15,218	$22,762	$8,470,812
2	16	$37,980	$15,177	$22,803	$8,448,009
2	17	$37,980	$15,136	$22,844	$8,425,165
2	18	$37,980	$15,095	$22,885	$8,402,281
2	19	$37,980	$15,054	$22,926	$8,379,355
2	20	$37,980	$15,013	$22,967	$8,356,388
2	21	$37,980	$14,972	$23,008	$8,333,381
2	22	$37,980	$14,931	$23,049	$8,310,332
2	23	$37,980	$14,889	$23,090	$8,287,241
2	24	$37,980	$14,848	$23,132	$8,264,110
3	25	$37,980	$14,807	$23,173	$8,240,937
3	26	$37,980	$14,765	$23,215	$8,217,722
3	27	$37,980	$14,723	$23,256	$8,194,466
3	28	$37,980	$14,682	$23,298	$8,171,168
3	29	$37,980	$14,640	$23,340	$8,147,828
3	30	$37,980	$14,598	$23,381	$8,124,447
3	31	$37,980	$14,556	$23,423	$8,101,023
3	32	$37,980	$14,514	$23,465	$8,077,558
3	33	$37,980	$14,472	$23,507	$8,054,051
3	34	$37,980	$14,430	$23,549	$8,030,501
3	35	$37,980	$14,388	$23,592	$8,006,910
3	36	$37,980	$14,346	$23,634	$7,983,276
4	37	$37,980	$14,303	$23,676	$7,959,599
4	38	$37,980	$14,261	$23,719	$7,935,881
4	39	$37,980	$14,218	$23,761	$7,912,119
4	40	$37,980	$14,176	$23,804	$7,888,316
4	41	$37,980	$14,133	$23,846	$7,864,469
4	42	$37,980	$14,091	$23,889	$7,840,580
4	43	$37,980	$14,048	$23,932	$7,816,648
4	44	$37,980	$14,005	$23,975	$7,792,673
4	45	$37,980	$13,962	$24,018	$7,768,656
4	46	$37,980	$13,919	$24,061	$7,744,595
4	47	$37,980	$13,876	$24,104	$7,720,491
4	48	$37,980	$13,833	$24,147	$7,696,344
5	49	$37,980	$13,789	$24,190	$7,672,153
5	50	$37,980	$13,746	$24,234	$7,647,920
5	51	$37,980	$13,703	$24,277	$7,623,643
5	52	$37,980	$13,659	$24,321	$7,599,322
5	53	$37,980	$13,615	$24,364	$7,574,958
5	54	$37,980	$13,572	$24,408	$7,550,550
5	55	$37,980	$13,528	$24,452	$7,526,098
5	56	$37,980	$13,484	$24,495	$7,501,603
5	57	$37,980	$13,440	$24,539	$7,477,064
5	58	$37,980	$13,396	$24,583	$7,452,480
5	59	$37,980	$13,352	$24,627	$7,427,853
5	60	$37,980	$13,308	$24,671	$7,403,182
6	61	$37,980	$13,264	$24,716	$7,378,466
6	62	$37,980	$13,220	$24,760	$7,353,706
6	63	$37,980	$13,175	$24,804	$7,328,902
6	64	$37,980	$13,131	$24,849	$7,304,053
6	65	$37,980	$13,086	$24,893	$7,279,160
6	66	$37,980	$13,042	$24,938	$7,254,222
6	67	$37,980	$12,997	$24,982	$7,229,240
6	68	$37,980	$12,952	$25,027	$7,204,212
6	69	$37,980	$12,908	$25,072	$7,179,140
6	70	$37,980	$12,863	$25,117	$7,154,023
6	71	$37,980	$12,818	$25,162	$7,128,861
6	72	$37,980	$12,773	$25,207	$7,103,654
7	73	$37,980	$12,727	$25,252	$7,078,402
7	74	$37,980	$12,682	$25,298	$7,053,104
7	75	$37,980	$12,637	$25,343	$7,027,762
7	76	$37,980	$12,591	$25,388	$7,002,373
7	77	$37,980	$12,546	$25,434	$6,976,940
7	78	$37,980	$12,500	$25,479	$6,951,460
7	79	$37,980	$12,455	$25,525	$6,925,935
7	80	$37,980	$12,409	$25,571	$6,900,365
7	81	$37,980	$12,363	$25,616	$6,874,748
7	82	$37,980	$12,317	$25,662	$6,849,086
7	83	$37,980	$12,271	$25,708	$6,823,377
7	84	$37,980	$12,225	$25,754	$6,797,623
8	85	$37,980	$12,179	$25,801	$6,771,822
8	86	$37,980	$12,133	$25,847	$6,745,976
8	87	$37,980	$12,087	$25,893	$6,720,083
8	88	$37,980	$12,040	$25,939	$6,694,143
8	89	$37,980	$11,994	$25,986	$6,668,157
8	90	$37,980	$11,947	$26,033	$6,642,124
8	91	$37,980	$11,900	$26,079	$6,616,045
8	92	$37,980	$11,854	$26,126	$6,589,919
8	93	$37,980	$11,807	$26,173	$6,563,747
8	94	$37,980	$11,760	$26,220	$6,537,527
8	95	$37,980	$11,713	$26,267	$6,511,261
8	96	$37,980	$11,666	$26,314	$6,484,947
9	97	$37,980	$11,619	$26,361	$6,458,586
9	98	$37,980	$11,572	$26,408	$6,432,178
9	99	$37,980	$11,524	$26,455	$6,405,723
9	100	$37,980	$11,477	$26,503	$6,379,220
9	101	$37,980	$11,429	$26,550	$6,352,670
9	102	$37,980	$11,382	$26,598	$6,326,072
9	103	$37,980	$11,334	$26,645	$6,299,427
9	104	$37,980	$11,286	$26,693	$6,272,733
9	105	$37,980	$11,239	$26,741	$6,245,992
9	106	$37,980	$11,191	$26,789	$6,219,204
9	107	$37,980	$11,143	$26,837	$6,192,367
9	108	$37,980	$11,095	$26,885	$6,165,482
10	109	$37,980	$11,046	$26,933	$6,138,548
10	110	$37,980	$10,998	$26,981	$6,111,567
10	111	$37,980	$10,950	$27,030	$6,084,537
10	112	$37,980	$10,901	$27,078	$6,057,459
10	113	$37,980	$10,853	$27,127	$6,030,332
10	114	$37,980	$10,804	$27,175	$6,003,157
10	115	$37,980	$10,756	$27,224	$5,975,933
10	116	$37,980	$10,707	$27,273	$5,948,660
10	117	$37,980	$10,658	$27,322	$5,921,339
10	118	$37,980	$10,609	$27,371	$5,893,968
10	119	$37,980	$10,560	$27,420	$5,866,549
10	120	$37,980	$10,511	$27,469	$5,839,080
11	121	$37,980	$10,462	$27,518	$5,811,562
11	122	$37,980	$10,412	$27,567	$5,783,995
11	123	$37,980	$10,363	$27,617	$5,756,378
11	124	$37,980	$10,314	$27,666	$5,728,712
11	125	$37,980	$10,264	$27,716	$5,700,996
11	126	$37,980	$10,214	$27,765	$5,673,231
11	127	$37,980	$10,165	$27,815	$5,645,416
11	128	$37,980	$10,115	$27,865	$5,617,551
11	129	$37,980	$10,065	$27,915	$5,589,636
11	130	$37,980	$10,015	$27,965	$5,561,671
11	131	$37,980	$9,965	$28,015	$5,533,656
11	132	$37,980	$9,914	$28,065	$5,505,591
12	133	$37,980	$9,864	$28,115	$5,477,475
12	134	$37,980	$9,814	$28,166	$5,449,309
12	135	$37,980	$9,763	$28,216	$5,421,093
12	136	$37,980	$9,713	$28,267	$5,392,826
12	137	$37,980	$9,662	$28,318	$5,364,509
12	138	$37,980	$9,611	$28,368	$5,336,141
12	139	$37,980	$9,561	$28,419	$5,307,721
12	140	$37,980	$9,510	$28,470	$5,279,251
12	141	$37,980	$9,459	$28,521	$5,250,730
12	142	$37,980	$9,408	$28,572	$5,222,158
12	143	$37,980	$9,356	$28,623	$5,193,535
12	144	$37,980	$9,305	$28,675	$5,164,861
13	145	$37,980	$9,254	$28,726	$5,136,135
13	146	$37,980	$9,202	$28,777	$5,107,357
13	147	$37,980	$9,151	$28,829	$5,078,528
13	148	$37,980	$9,099	$28,881	$5,049,648
13	149	$37,980	$9,047	$28,932	$5,020,715
13	150	$37,980	$8,995	$28,984	$4,991,731
13	151	$37,980	$8,944	$29,036	$4,962,695
13	152	$37,980	$8,891	$29,088	$4,933,607
13	153	$37,980	$8,839	$29,140	$4,904,467
13	154	$37,980	$8,787	$29,192	$4,875,274
13	155	$37,980	$8,735	$29,245	$4,846,029
13	156	$37,980	$8,682	$29,297	$4,816,732
14	157	$37,980	$8,630	$29,350	$4,787,382
14	158	$37,980	$8,577	$29,402	$4,757,980
14	159	$37,980	$8,525	$29,455	$4,728,525
14	160	$37,980	$8,472	$29,508	$4,699,018
14	161	$37,980	$8,419	$29,561	$4,669,457
14	162	$37,980	$8,366	$29,614	$4,639,843
14	163	$37,980	$8,313	$29,667	$4,610,177
14	164	$37,980	$8,260	$29,720	$4,580,457
14	165	$37,980	$8,207	$29,773	$4,550,684
14	166	$37,980	$8,153	$29,826	$4,520,858
14	167	$37,980	$8,100	$29,880	$4,490,978
14	168	$37,980	$8,046	$29,933	$4,461,045
15	169	$37,980	$7,993	$29,987	$4,431,058
15	170	$37,980	$7,939	$30,041	$4,401,017
15	171	$37,980	$7,885	$30,094	$4,370,923
15	172	$37,980	$7,831	$30,148	$4,340,774
15	173	$37,980	$7,777	$30,202	$4,310,572
15	174	$37,980	$7,723	$30,257	$4,280,315
15	175	$37,980	$7,669	$30,311	$4,250,004
15	176	$37,980	$7,615	$30,365	$4,219,639
15	177	$37,980	$7,560	$30,419	$4,189,220
15	178	$37,980	$7,506	$30,474	$4,158,746
15	179	$37,980	$7,451	$30,529	$4,128,217
15	180	$37,980	$7,396	$30,583	$4,097,634
16	181	$37,980	$7,342	$30,638	$4,066,996
16	182	$37,980	$7,287	$30,693	$4,036,303
16	183	$37,980	$7,232	$30,748	$4,005,555
16	184	$37,980	$7,177	$30,803	$3,974,752
16	185	$37,980	$7,121	$30,858	$3,943,894
16	186	$37,980	$7,066	$30,914	$3,912,980
16	187	$37,980	$7,011	$30,969	$3,882,012
16	188	$37,980	$6,955	$31,024	$3,850,987
16	189	$37,980	$6,900	$31,080	$3,819,907
16	190	$37,980	$6,844	$31,136	$3,788,772
16	191	$37,980	$6,788	$31,191	$3,757,580
16	192	$37,980	$6,732	$31,247	$3,726,333
17	193	$37,980	$6,676	$31,303	$3,695,030
17	194	$37,980	$6,620	$31,359	$3,663,670
17	195	$37,980	$6,564	$31,416	$3,632,255
17	196	$37,980	$6,508	$31,472	$3,600,783
17	197	$37,980	$6,451	$31,528	$3,569,254
17	198	$37,980	$6,395	$31,585	$3,537,670
17	199	$37,980	$6,338	$31,641	$3,506,028
17	200	$37,980	$6,282	$31,698	$3,474,330
17	201	$37,980	$6,225	$31,755	$3,442,576
17	202	$37,980	$6,168	$31,812	$3,410,764
17	203	$37,980	$6,111	$31,869	$3,378,895
17	204	$37,980	$6,054	$31,926	$3,346,969
18	205	$37,980	$5,997	$31,983	$3,314,986
18	206	$37,980	$5,939	$32,040	$3,282,946
18	207	$37,980	$5,882	$32,098	$3,250,848
18	208	$37,980	$5,824	$32,155	$3,218,693
18	209	$37,980	$5,767	$32,213	$3,186,480
18	210	$37,980	$5,709	$32,271	$3,154,210
18	211	$37,980	$5,651	$32,328	$3,121,881
18	212	$37,980	$5,593	$32,386	$3,089,495
18	213	$37,980	$5,535	$32,444	$3,057,051
18	214	$37,980	$5,477	$32,502	$3,024,548
18	215	$37,980	$5,419	$32,561	$2,991,988
18	216	$37,980	$5,361	$32,619	$2,959,369
19	217	$37,980	$5,302	$32,677	$2,926,691
19	218	$37,980	$5,244	$32,736	$2,893,955
19	219	$37,980	$5,185	$32,795	$2,861,161
19	220	$37,980	$5,126	$32,853	$2,828,307
19	221	$37,980	$5,067	$32,912	$2,795,395
19	222	$37,980	$5,008	$32,971	$2,762,424
19	223	$37,980	$4,949	$33,030	$2,729,394
19	224	$37,980	$4,890	$33,089	$2,696,304
19	225	$37,980	$4,831	$33,149	$2,663,155
19	226	$37,980	$4,771	$33,208	$2,629,947
19	227	$37,980	$4,712	$33,268	$2,596,679
19	228	$37,980	$4,652	$33,327	$2,563,352
20	229	$37,980	$4,593	$33,387	$2,529,965
20	230	$37,980	$4,533	$33,447	$2,496,518
20	231	$37,980	$4,473	$33,507	$2,463,012
20	232	$37,980	$4,413	$33,567	$2,429,445
20	233	$37,980	$4,353	$33,627	$2,395,818
20	234	$37,980	$4,293	$33,687	$2,362,131
20	235	$37,980	$4,232	$33,747	$2,328,383
20	236	$37,980	$4,172	$33,808	$2,294,575
20	237	$37,980	$4,111	$33,869	$2,260,707
20	238	$37,980	$4,050	$33,929	$2,226,778
20	239	$37,980	$3,990	$33,990	$2,192,788
20	240	$37,980	$3,929	$34,051	$2,158,737
21	241	$37,980	$3,868	$34,112	$2,124,625
21	242	$37,980	$3,807	$34,173	$2,090,452
21	243	$37,980	$3,745	$34,234	$2,056,218
21	244	$37,980	$3,684	$34,296	$2,021,922
21	245	$37,980	$3,623	$34,357	$1,987,565
21	246	$37,980	$3,561	$34,419	$1,953,146
21	247	$37,980	$3,499	$34,480	$1,918,666
21	248	$37,980	$3,438	$34,542	$1,884,124
21	249	$37,980	$3,376	$34,604	$1,849,520
21	250	$37,980	$3,314	$34,666	$1,814,854
21	251	$37,980	$3,252	$34,728	$1,780,126
21	252	$37,980	$3,189	$34,790	$1,745,336
22	253	$37,980	$3,127	$34,853	$1,710,483
22	254	$37,980	$3,065	$34,915	$1,675,568
22	255	$37,980	$3,002	$34,978	$1,640,591
22	256	$37,980	$2,939	$35,040	$1,605,550
22	257	$37,980	$2,877	$35,103	$1,570,447
22	258	$37,980	$2,814	$35,166	$1,535,282
22	259	$37,980	$2,751	$35,229	$1,500,053
22	260	$37,980	$2,688	$35,292	$1,464,761
22	261	$37,980	$2,624	$35,355	$1,429,405
22	262	$37,980	$2,561	$35,419	$1,393,987
22	263	$37,980	$2,498	$35,482	$1,358,505
22	264	$37,980	$2,434	$35,546	$1,322,959
23	265	$37,980	$2,370	$35,609	$1,287,350
23	266	$37,980	$2,307	$35,673	$1,251,676
23	267	$37,980	$2,243	$35,737	$1,215,939
23	268	$37,980	$2,179	$35,801	$1,180,138
23	269	$37,980	$2,114	$35,865	$1,144,273
23	270	$37,980	$2,050	$35,929	$1,108,344
23	271	$37,980	$1,986	$35,994	$1,072,350
23	272	$37,980	$1,921	$36,058	$1,036,291
23	273	$37,980	$1,857	$36,123	$1,000,168
23	274	$37,980	$1,792	$36,188	$963,981
23	275	$37,980	$1,727	$36,253	$927,728
23	276	$37,980	$1,662	$36,317	$891,411
24	277	$37,980	$1,597	$36,383	$855,028
24	278	$37,980	$1,532	$36,448	$818,580
24	279	$37,980	$1,467	$36,513	$782,067
24	280	$37,980	$1,401	$36,578	$745,489
24	281	$37,980	$1,336	$36,644	$708,845
24	282	$37,980	$1,270	$36,710	$672,135
24	283	$37,980	$1,204	$36,775	$635,360
24	284	$37,980	$1,138	$36,841	$598,519
24	285	$37,980	$1,072	$36,907	$561,611
24	286	$37,980	$1,006	$36,973	$524,638
24	287	$37,980	$940	$37,040	$487,598
24	288	$37,980	$874	$37,106	$450,492
25	289	$37,980	$807	$37,173	$413,320
25	290	$37,980	$741	$37,239	$376,081
25	291	$37,980	$674	$37,306	$338,775
25	292	$37,980	$607	$37,373	$301,402
25	293	$37,980	$540	$37,440	$263,962
25	294	$37,980	$473	$37,507	$226,456
25	295	$37,980	$406	$37,574	$188,882
25	296	$37,980	$338	$37,641	$151,241
25	297	$37,980	$271	$37,709	$113,532
25	298	$37,980	$203	$37,776	$75,756
25	299	$37,980	$136	$37,844	$37,912
25	300	$37,980	$68	$37,912	$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$ 5,872,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,018,800

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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.