Century 21 Centaland Property

Down Payment (HKD)

$4,352,000

Monthly Repayment (HKD)

$28,148

Loan Amount (HKD)

$6,528,000

Total Interest (HKD)

$1,916,521

Total Repayment (HKD)

$8,444,521

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$28,148	$11,696	$16,452	$6,511,548
1	2	$28,148	$11,667	$16,482	$6,495,066
1	3	$28,148	$11,637	$16,511	$6,478,554
1	4	$28,148	$11,607	$16,541	$6,462,013
1	5	$28,148	$11,578	$16,571	$6,445,443
1	6	$28,148	$11,548	$16,600	$6,428,842
1	7	$28,148	$11,518	$16,630	$6,412,212
1	8	$28,148	$11,489	$16,660	$6,395,552
1	9	$28,148	$11,459	$16,690	$6,378,863
1	10	$28,148	$11,429	$16,720	$6,362,143
1	11	$28,148	$11,399	$16,750	$6,345,394
1	12	$28,148	$11,369	$16,780	$6,328,614
2	13	$28,148	$11,339	$16,810	$6,311,804
2	14	$28,148	$11,309	$16,840	$6,294,965
2	15	$28,148	$11,278	$16,870	$6,278,095
2	16	$28,148	$11,248	$16,900	$6,261,195
2	17	$28,148	$11,218	$16,930	$6,244,264
2	18	$28,148	$11,188	$16,961	$6,227,303
2	19	$28,148	$11,157	$16,991	$6,210,312
2	20	$28,148	$11,127	$17,022	$6,193,291
2	21	$28,148	$11,096	$17,052	$6,176,238
2	22	$28,148	$11,066	$17,083	$6,159,156
2	23	$28,148	$11,035	$17,113	$6,142,043
2	24	$28,148	$11,004	$17,144	$6,124,899
3	25	$28,148	$10,974	$17,175	$6,107,724
3	26	$28,148	$10,943	$17,205	$6,090,519
3	27	$28,148	$10,912	$17,236	$6,073,282
3	28	$28,148	$10,881	$17,267	$6,056,015
3	29	$28,148	$10,850	$17,298	$6,038,717
3	30	$28,148	$10,819	$17,329	$6,021,388
3	31	$28,148	$10,788	$17,360	$6,004,028
3	32	$28,148	$10,757	$17,391	$5,986,637
3	33	$28,148	$10,726	$17,422	$5,969,215
3	34	$28,148	$10,695	$17,454	$5,951,761
3	35	$28,148	$10,664	$17,485	$5,934,276
3	36	$28,148	$10,632	$17,516	$5,916,760
4	37	$28,148	$10,601	$17,548	$5,899,213
4	38	$28,148	$10,569	$17,579	$5,881,634
4	39	$28,148	$10,538	$17,610	$5,864,023
4	40	$28,148	$10,506	$17,642	$5,846,381
4	41	$28,148	$10,475	$17,674	$5,828,707
4	42	$28,148	$10,443	$17,705	$5,811,002
4	43	$28,148	$10,411	$17,737	$5,793,265
4	44	$28,148	$10,380	$17,769	$5,775,496
4	45	$28,148	$10,348	$17,801	$5,757,696
4	46	$28,148	$10,316	$17,833	$5,739,863
4	47	$28,148	$10,284	$17,864	$5,721,999
4	48	$28,148	$10,252	$17,896	$5,704,102
5	49	$28,148	$10,220	$17,929	$5,686,174
5	50	$28,148	$10,188	$17,961	$5,668,213
5	51	$28,148	$10,156	$17,993	$5,650,220
5	52	$28,148	$10,123	$18,025	$5,632,195
5	53	$28,148	$10,091	$18,057	$5,614,138
5	54	$28,148	$10,059	$18,090	$5,596,048
5	55	$28,148	$10,026	$18,122	$5,577,926
5	56	$28,148	$9,994	$18,155	$5,559,771
5	57	$28,148	$9,961	$18,187	$5,541,584
5	58	$28,148	$9,929	$18,220	$5,523,364
5	59	$28,148	$9,896	$18,252	$5,505,112
5	60	$28,148	$9,863	$18,285	$5,486,827
6	61	$28,148	$9,831	$18,318	$5,468,509
6	62	$28,148	$9,798	$18,351	$5,450,158
6	63	$28,148	$9,765	$18,384	$5,431,775
6	64	$28,148	$9,732	$18,416	$5,413,358
6	65	$28,148	$9,699	$18,449	$5,394,909
6	66	$28,148	$9,666	$18,483	$5,376,426
6	67	$28,148	$9,633	$18,516	$5,357,911
6	68	$28,148	$9,600	$18,549	$5,339,362
6	69	$28,148	$9,566	$18,582	$5,320,780
6	70	$28,148	$9,533	$18,615	$5,302,164
6	71	$28,148	$9,500	$18,649	$5,283,516
6	72	$28,148	$9,466	$18,682	$5,264,834
7	73	$28,148	$9,433	$18,716	$5,246,118
7	74	$28,148	$9,399	$18,749	$5,227,369
7	75	$28,148	$9,366	$18,783	$5,208,586
7	76	$28,148	$9,332	$18,816	$5,189,770
7	77	$28,148	$9,298	$18,850	$5,170,920
7	78	$28,148	$9,265	$18,884	$5,152,036
7	79	$28,148	$9,231	$18,918	$5,133,118
7	80	$28,148	$9,197	$18,952	$5,114,167
7	81	$28,148	$9,163	$18,986	$5,095,181
7	82	$28,148	$9,129	$19,020	$5,076,162
7	83	$28,148	$9,095	$19,054	$5,057,108
7	84	$28,148	$9,061	$19,088	$5,038,020
8	85	$28,148	$9,026	$19,122	$5,018,898
8	86	$28,148	$8,992	$19,156	$4,999,742
8	87	$28,148	$8,958	$19,191	$4,980,552
8	88	$28,148	$8,923	$19,225	$4,961,327
8	89	$28,148	$8,889	$19,259	$4,942,067
8	90	$28,148	$8,855	$19,294	$4,922,773
8	91	$28,148	$8,820	$19,328	$4,903,445
8	92	$28,148	$8,785	$19,363	$4,884,082
8	93	$28,148	$8,751	$19,398	$4,864,684
8	94	$28,148	$8,716	$19,433	$4,845,252
8	95	$28,148	$8,681	$19,467	$4,825,784
8	96	$28,148	$8,646	$19,502	$4,806,282
9	97	$28,148	$8,611	$19,537	$4,786,745
9	98	$28,148	$8,576	$19,572	$4,767,173
9	99	$28,148	$8,541	$19,607	$4,747,566
9	100	$28,148	$8,506	$19,642	$4,727,923
9	101	$28,148	$8,471	$19,678	$4,708,246
9	102	$28,148	$8,436	$19,713	$4,688,533
9	103	$28,148	$8,400	$19,748	$4,668,785
9	104	$28,148	$8,365	$19,783	$4,649,001
9	105	$28,148	$8,329	$19,819	$4,629,182
9	106	$28,148	$8,294	$19,854	$4,609,328
9	107	$28,148	$8,258	$19,890	$4,589,438
9	108	$28,148	$8,223	$19,926	$4,569,512
10	109	$28,148	$8,187	$19,961	$4,549,551
10	110	$28,148	$8,151	$19,997	$4,529,554
10	111	$28,148	$8,115	$20,033	$4,509,521
10	112	$28,148	$8,080	$20,069	$4,489,452
10	113	$28,148	$8,044	$20,105	$4,469,347
10	114	$28,148	$8,008	$20,141	$4,449,206
10	115	$28,148	$7,971	$20,177	$4,429,029
10	116	$28,148	$7,935	$20,213	$4,408,816
10	117	$28,148	$7,899	$20,249	$4,388,567
10	118	$28,148	$7,863	$20,286	$4,368,282
10	119	$28,148	$7,827	$20,322	$4,347,960
10	120	$28,148	$7,790	$20,358	$4,327,601
11	121	$28,148	$7,754	$20,395	$4,307,207
11	122	$28,148	$7,717	$20,431	$4,286,775
11	123	$28,148	$7,680	$20,468	$4,266,307
11	124	$28,148	$7,644	$20,505	$4,245,803
11	125	$28,148	$7,607	$20,541	$4,225,261
11	126	$28,148	$7,570	$20,578	$4,204,683
11	127	$28,148	$7,533	$20,615	$4,184,068
11	128	$28,148	$7,496	$20,652	$4,163,416
11	129	$28,148	$7,459	$20,689	$4,142,727
11	130	$28,148	$7,422	$20,726	$4,122,001
11	131	$28,148	$7,385	$20,763	$4,101,238
11	132	$28,148	$7,348	$20,800	$4,080,438
12	133	$28,148	$7,311	$20,838	$4,059,600
12	134	$28,148	$7,273	$20,875	$4,038,725
12	135	$28,148	$7,236	$20,912	$4,017,813
12	136	$28,148	$7,199	$20,950	$3,996,863
12	137	$28,148	$7,161	$20,987	$3,975,876
12	138	$28,148	$7,123	$21,025	$3,954,851
12	139	$28,148	$7,086	$21,063	$3,933,788
12	140	$28,148	$7,048	$21,100	$3,912,688
12	141	$28,148	$7,010	$21,138	$3,891,550
12	142	$28,148	$6,972	$21,176	$3,870,374
12	143	$28,148	$6,934	$21,214	$3,849,160
12	144	$28,148	$6,896	$21,252	$3,827,908
13	145	$28,148	$6,858	$21,290	$3,806,617
13	146	$28,148	$6,820	$21,328	$3,785,289
13	147	$28,148	$6,782	$21,366	$3,763,923
13	148	$28,148	$6,744	$21,405	$3,742,518
13	149	$28,148	$6,705	$21,443	$3,721,075
13	150	$28,148	$6,667	$21,481	$3,699,594
13	151	$28,148	$6,628	$21,520	$3,678,074
13	152	$28,148	$6,590	$21,559	$3,656,515
13	153	$28,148	$6,551	$21,597	$3,634,918
13	154	$28,148	$6,513	$21,636	$3,613,282
13	155	$28,148	$6,474	$21,675	$3,591,608
13	156	$28,148	$6,435	$21,713	$3,569,894
14	157	$28,148	$6,396	$21,752	$3,548,142
14	158	$28,148	$6,357	$21,791	$3,526,350
14	159	$28,148	$6,318	$21,830	$3,504,520
14	160	$28,148	$6,279	$21,869	$3,482,651
14	161	$28,148	$6,240	$21,909	$3,460,742
14	162	$28,148	$6,200	$21,948	$3,438,794
14	163	$28,148	$6,161	$21,987	$3,416,807
14	164	$28,148	$6,122	$22,027	$3,394,780
14	165	$28,148	$6,082	$22,066	$3,372,714
14	166	$28,148	$6,043	$22,106	$3,350,608
14	167	$28,148	$6,003	$22,145	$3,328,463
14	168	$28,148	$5,963	$22,185	$3,306,278
15	169	$28,148	$5,924	$22,225	$3,284,054
15	170	$28,148	$5,884	$22,264	$3,261,789
15	171	$28,148	$5,844	$22,304	$3,239,485
15	172	$28,148	$5,804	$22,344	$3,217,141
15	173	$28,148	$5,764	$22,384	$3,194,756
15	174	$28,148	$5,724	$22,424	$3,172,332
15	175	$28,148	$5,684	$22,465	$3,149,867
15	176	$28,148	$5,644	$22,505	$3,127,362
15	177	$28,148	$5,603	$22,545	$3,104,817
15	178	$28,148	$5,563	$22,586	$3,082,231
15	179	$28,148	$5,522	$22,626	$3,059,605
15	180	$28,148	$5,482	$22,667	$3,036,939
16	181	$28,148	$5,441	$22,707	$3,014,231
16	182	$28,148	$5,400	$22,748	$2,991,484
16	183	$28,148	$5,360	$22,789	$2,968,695
16	184	$28,148	$5,319	$22,829	$2,945,865
16	185	$28,148	$5,278	$22,870	$2,922,995
16	186	$28,148	$5,237	$22,911	$2,900,084
16	187	$28,148	$5,196	$22,952	$2,877,131
16	188	$28,148	$5,155	$22,994	$2,854,138
16	189	$28,148	$5,114	$23,035	$2,831,103
16	190	$28,148	$5,072	$23,076	$2,808,027
16	191	$28,148	$5,031	$23,117	$2,784,910
16	192	$28,148	$4,990	$23,159	$2,761,751
17	193	$28,148	$4,948	$23,200	$2,738,550
17	194	$28,148	$4,907	$23,242	$2,715,309
17	195	$28,148	$4,865	$23,283	$2,692,025
17	196	$28,148	$4,823	$23,325	$2,668,700
17	197	$28,148	$4,781	$23,367	$2,645,333
17	198	$28,148	$4,740	$23,409	$2,621,924
17	199	$28,148	$4,698	$23,451	$2,598,473
17	200	$28,148	$4,656	$23,493	$2,574,981
17	201	$28,148	$4,614	$23,535	$2,551,446
17	202	$28,148	$4,571	$23,577	$2,527,869
17	203	$28,148	$4,529	$23,619	$2,504,249
17	204	$28,148	$4,487	$23,662	$2,480,588
18	205	$28,148	$4,444	$23,704	$2,456,884
18	206	$28,148	$4,402	$23,746	$2,433,137
18	207	$28,148	$4,359	$23,789	$2,409,348
18	208	$28,148	$4,317	$23,832	$2,385,516
18	209	$28,148	$4,274	$23,874	$2,361,642
18	210	$28,148	$4,231	$23,917	$2,337,725
18	211	$28,148	$4,188	$23,960	$2,313,765
18	212	$28,148	$4,145	$24,003	$2,289,762
18	213	$28,148	$4,102	$24,046	$2,265,716
18	214	$28,148	$4,059	$24,089	$2,241,627
18	215	$28,148	$4,016	$24,132	$2,217,495
18	216	$28,148	$3,973	$24,175	$2,193,320
19	217	$28,148	$3,930	$24,219	$2,169,101
19	218	$28,148	$3,886	$24,262	$2,144,839
19	219	$28,148	$3,843	$24,306	$2,120,533
19	220	$28,148	$3,799	$24,349	$2,096,184
19	221	$28,148	$3,756	$24,393	$2,071,791
19	222	$28,148	$3,712	$24,436	$2,047,355
19	223	$28,148	$3,668	$24,480	$2,022,875
19	224	$28,148	$3,624	$24,524	$1,998,351
19	225	$28,148	$3,580	$24,568	$1,973,783
19	226	$28,148	$3,536	$24,612	$1,949,171
19	227	$28,148	$3,492	$24,656	$1,924,514
19	228	$28,148	$3,448	$24,700	$1,899,814
20	229	$28,148	$3,404	$24,745	$1,875,070
20	230	$28,148	$3,359	$24,789	$1,850,281
20	231	$28,148	$3,315	$24,833	$1,825,447
20	232	$28,148	$3,271	$24,878	$1,800,570
20	233	$28,148	$3,226	$24,922	$1,775,647
20	234	$28,148	$3,181	$24,967	$1,750,680
20	235	$28,148	$3,137	$25,012	$1,725,668
20	236	$28,148	$3,092	$25,057	$1,700,612
20	237	$28,148	$3,047	$25,101	$1,675,510
20	238	$28,148	$3,002	$25,146	$1,650,364
20	239	$28,148	$2,957	$25,192	$1,625,172
20	240	$28,148	$2,912	$25,237	$1,599,936
21	241	$28,148	$2,867	$25,282	$1,574,654
21	242	$28,148	$2,821	$25,327	$1,549,327
21	243	$28,148	$2,776	$25,373	$1,523,954
21	244	$28,148	$2,730	$25,418	$1,498,536
21	245	$28,148	$2,685	$25,464	$1,473,073
21	246	$28,148	$2,639	$25,509	$1,447,564
21	247	$28,148	$2,594	$25,555	$1,422,009
21	248	$28,148	$2,548	$25,601	$1,396,408
21	249	$28,148	$2,502	$25,647	$1,370,762
21	250	$28,148	$2,456	$25,692	$1,345,069
21	251	$28,148	$2,410	$25,738	$1,319,331
21	252	$28,148	$2,364	$25,785	$1,293,546
22	253	$28,148	$2,318	$25,831	$1,267,715
22	254	$28,148	$2,271	$25,877	$1,241,838
22	255	$28,148	$2,225	$25,923	$1,215,915
22	256	$28,148	$2,179	$25,970	$1,189,945
22	257	$28,148	$2,132	$26,016	$1,163,928
22	258	$28,148	$2,085	$26,063	$1,137,865
22	259	$28,148	$2,039	$26,110	$1,111,756
22	260	$28,148	$1,992	$26,157	$1,085,599
22	261	$28,148	$1,945	$26,203	$1,059,396
22	262	$28,148	$1,898	$26,250	$1,033,145
22	263	$28,148	$1,851	$26,297	$1,006,848
22	264	$28,148	$1,804	$26,344	$980,504
23	265	$28,148	$1,757	$26,392	$954,112
23	266	$28,148	$1,709	$26,439	$927,673
23	267	$28,148	$1,662	$26,486	$901,187
23	268	$28,148	$1,615	$26,534	$874,653
23	269	$28,148	$1,567	$26,581	$848,072
23	270	$28,148	$1,519	$26,629	$821,443
23	271	$28,148	$1,472	$26,677	$794,766
23	272	$28,148	$1,424	$26,724	$768,041
23	273	$28,148	$1,376	$26,772	$741,269
23	274	$28,148	$1,328	$26,820	$714,449
23	275	$28,148	$1,280	$26,868	$687,581
23	276	$28,148	$1,232	$26,916	$660,664
24	277	$28,148	$1,184	$26,965	$633,699
24	278	$28,148	$1,135	$27,013	$606,686
24	279	$28,148	$1,087	$27,061	$579,625
24	280	$28,148	$1,038	$27,110	$552,515
24	281	$28,148	$990	$27,158	$525,356
24	282	$28,148	$941	$27,207	$498,149
24	283	$28,148	$893	$27,256	$470,893
24	284	$28,148	$844	$27,305	$443,589
24	285	$28,148	$795	$27,354	$416,235
24	286	$28,148	$746	$27,403	$388,832
24	287	$28,148	$697	$27,452	$361,381
24	288	$28,148	$647	$27,501	$333,880
25	289	$28,148	$598	$27,550	$306,330
25	290	$28,148	$549	$27,600	$278,730
25	291	$28,148	$499	$27,649	$251,081
25	292	$28,148	$450	$27,699	$223,382
25	293	$28,148	$400	$27,748	$195,634
25	294	$28,148	$351	$27,798	$167,836
25	295	$28,148	$301	$27,848	$139,989
25	296	$28,148	$251	$27,898	$112,091
25	297	$28,148	$201	$27,948	$84,144
25	298	$28,148	$151	$27,998	$56,146
25	299	$28,148	$101	$28,048	$28,098
25	300	$28,148	$50	$28,098	$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$ 4,352,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,460,800

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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.