Century 21 Centaland Property

Down Payment (HKD)

$4,940,000

Monthly Repayment (HKD)

$31,952

Loan Amount (HKD)

$7,410,000

Total Interest (HKD)

$2,175,463

Total Repayment (HKD)

$9,585,463

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$31,952	$13,276	$18,675	$7,391,325
1	2	$31,952	$13,243	$18,709	$7,372,616
1	3	$31,952	$13,209	$18,742	$7,353,874
1	4	$31,952	$13,176	$18,776	$7,335,098
1	5	$31,952	$13,142	$18,809	$7,316,288
1	6	$31,952	$13,108	$18,843	$7,297,445
1	7	$31,952	$13,075	$18,877	$7,278,568
1	8	$31,952	$13,041	$18,911	$7,259,657
1	9	$31,952	$13,007	$18,945	$7,240,713
1	10	$31,952	$12,973	$18,979	$7,221,734
1	11	$31,952	$12,939	$19,013	$7,202,722
1	12	$31,952	$12,905	$19,047	$7,183,675
2	13	$31,952	$12,871	$19,081	$7,164,594
2	14	$31,952	$12,837	$19,115	$7,145,479
2	15	$31,952	$12,802	$19,149	$7,126,330
2	16	$31,952	$12,768	$19,184	$7,107,146
2	17	$31,952	$12,734	$19,218	$7,087,928
2	18	$31,952	$12,699	$19,252	$7,068,676
2	19	$31,952	$12,665	$19,287	$7,049,389
2	20	$31,952	$12,630	$19,321	$7,030,068
2	21	$31,952	$12,596	$19,356	$7,010,712
2	22	$31,952	$12,561	$19,391	$6,991,321
2	23	$31,952	$12,526	$19,425	$6,971,896
2	24	$31,952	$12,491	$19,460	$6,952,436
3	25	$31,952	$12,456	$19,495	$6,932,940
3	26	$31,952	$12,422	$19,530	$6,913,410
3	27	$31,952	$12,387	$19,565	$6,893,845
3	28	$31,952	$12,351	$19,600	$6,874,245
3	29	$31,952	$12,316	$19,635	$6,854,610
3	30	$31,952	$12,281	$19,670	$6,834,940
3	31	$31,952	$12,246	$19,706	$6,815,234
3	32	$31,952	$12,211	$19,741	$6,795,493
3	33	$31,952	$12,175	$19,776	$6,775,717
3	34	$31,952	$12,140	$19,812	$6,755,905
3	35	$31,952	$12,104	$19,847	$6,736,058
3	36	$31,952	$12,069	$19,883	$6,716,175
4	37	$31,952	$12,033	$19,918	$6,696,257
4	38	$31,952	$11,997	$19,954	$6,676,303
4	39	$31,952	$11,962	$19,990	$6,656,313
4	40	$31,952	$11,926	$20,026	$6,636,287
4	41	$31,952	$11,890	$20,062	$6,616,226
4	42	$31,952	$11,854	$20,097	$6,596,128
4	43	$31,952	$11,818	$20,133	$6,575,995
4	44	$31,952	$11,782	$20,170	$6,555,825
4	45	$31,952	$11,746	$20,206	$6,535,620
4	46	$31,952	$11,710	$20,242	$6,515,378
4	47	$31,952	$11,673	$20,278	$6,495,100
4	48	$31,952	$11,637	$20,314	$6,474,785
5	49	$31,952	$11,601	$20,351	$6,454,434
5	50	$31,952	$11,564	$20,387	$6,434,047
5	51	$31,952	$11,528	$20,424	$6,413,623
5	52	$31,952	$11,491	$20,460	$6,393,163
5	53	$31,952	$11,454	$20,497	$6,372,665
5	54	$31,952	$11,418	$20,534	$6,352,132
5	55	$31,952	$11,381	$20,571	$6,331,561
5	56	$31,952	$11,344	$20,607	$6,310,953
5	57	$31,952	$11,307	$20,644	$6,290,309
5	58	$31,952	$11,270	$20,681	$6,269,628
5	59	$31,952	$11,233	$20,718	$6,248,909
5	60	$31,952	$11,196	$20,756	$6,228,154
6	61	$31,952	$11,159	$20,793	$6,207,361
6	62	$31,952	$11,122	$20,830	$6,186,531
6	63	$31,952	$11,084	$20,867	$6,165,663
6	64	$31,952	$11,047	$20,905	$6,144,759
6	65	$31,952	$11,009	$20,942	$6,123,816
6	66	$31,952	$10,972	$20,980	$6,102,837
6	67	$31,952	$10,934	$21,017	$6,081,819
6	68	$31,952	$10,897	$21,055	$6,060,765
6	69	$31,952	$10,859	$21,093	$6,039,672
6	70	$31,952	$10,821	$21,130	$6,018,541
6	71	$31,952	$10,783	$21,168	$5,997,373
6	72	$31,952	$10,745	$21,206	$5,976,167
7	73	$31,952	$10,707	$21,244	$5,954,923
7	74	$31,952	$10,669	$21,282	$5,933,640
7	75	$31,952	$10,631	$21,320	$5,912,320
7	76	$31,952	$10,593	$21,359	$5,890,961
7	77	$31,952	$10,555	$21,397	$5,869,564
7	78	$31,952	$10,516	$21,435	$5,848,129
7	79	$31,952	$10,478	$21,474	$5,826,655
7	80	$31,952	$10,439	$21,512	$5,805,143
7	81	$31,952	$10,401	$21,551	$5,783,593
7	82	$31,952	$10,362	$21,589	$5,762,003
7	83	$31,952	$10,324	$21,628	$5,740,375
7	84	$31,952	$10,285	$21,667	$5,718,709
8	85	$31,952	$10,246	$21,706	$5,697,003
8	86	$31,952	$10,207	$21,744	$5,675,259
8	87	$31,952	$10,168	$21,783	$5,653,475
8	88	$31,952	$10,129	$21,822	$5,631,653
8	89	$31,952	$10,090	$21,861	$5,609,792
8	90	$31,952	$10,051	$21,901	$5,587,891
8	91	$31,952	$10,012	$21,940	$5,565,951
8	92	$31,952	$9,972	$21,979	$5,543,972
8	93	$31,952	$9,933	$22,019	$5,521,953
8	94	$31,952	$9,893	$22,058	$5,499,895
8	95	$31,952	$9,854	$22,098	$5,477,798
8	96	$31,952	$9,814	$22,137	$5,455,660
9	97	$31,952	$9,775	$22,177	$5,433,484
9	98	$31,952	$9,735	$22,217	$5,411,267
9	99	$31,952	$9,695	$22,256	$5,389,011
9	100	$31,952	$9,655	$22,296	$5,366,714
9	101	$31,952	$9,615	$22,336	$5,344,378
9	102	$31,952	$9,575	$22,376	$5,322,002
9	103	$31,952	$9,535	$22,416	$5,299,586
9	104	$31,952	$9,495	$22,456	$5,277,129
9	105	$31,952	$9,455	$22,497	$5,254,633
9	106	$31,952	$9,415	$22,537	$5,232,096
9	107	$31,952	$9,374	$22,577	$5,209,518
9	108	$31,952	$9,334	$22,618	$5,186,900
10	109	$31,952	$9,293	$22,658	$5,164,242
10	110	$31,952	$9,253	$22,699	$5,141,543
10	111	$31,952	$9,212	$22,740	$5,118,804
10	112	$31,952	$9,171	$22,780	$5,096,023
10	113	$31,952	$9,130	$22,821	$5,073,202
10	114	$31,952	$9,089	$22,862	$5,050,340
10	115	$31,952	$9,049	$22,903	$5,027,437
10	116	$31,952	$9,007	$22,944	$5,004,493
10	117	$31,952	$8,966	$22,985	$4,981,508
10	118	$31,952	$8,925	$23,026	$4,958,481
10	119	$31,952	$8,884	$23,068	$4,935,414
10	120	$31,952	$8,843	$23,109	$4,912,305
11	121	$31,952	$8,801	$23,150	$4,889,155
11	122	$31,952	$8,760	$23,192	$4,865,963
11	123	$31,952	$8,718	$23,233	$4,842,729
11	124	$31,952	$8,677	$23,275	$4,819,454
11	125	$31,952	$8,635	$23,317	$4,796,138
11	126	$31,952	$8,593	$23,358	$4,772,779
11	127	$31,952	$8,551	$23,400	$4,749,379
11	128	$31,952	$8,509	$23,442	$4,725,937
11	129	$31,952	$8,467	$23,484	$4,702,452
11	130	$31,952	$8,425	$23,526	$4,678,926
11	131	$31,952	$8,383	$23,568	$4,655,358
11	132	$31,952	$8,341	$23,611	$4,631,747
12	133	$31,952	$8,299	$23,653	$4,608,094
12	134	$31,952	$8,256	$23,695	$4,584,399
12	135	$31,952	$8,214	$23,738	$4,560,661
12	136	$31,952	$8,171	$23,780	$4,536,880
12	137	$31,952	$8,129	$23,823	$4,513,057
12	138	$31,952	$8,086	$23,866	$4,489,192
12	139	$31,952	$8,043	$23,908	$4,465,283
12	140	$31,952	$8,000	$23,951	$4,441,332
12	141	$31,952	$7,957	$23,994	$4,417,338
12	142	$31,952	$7,914	$24,037	$4,393,301
12	143	$31,952	$7,871	$24,080	$4,369,221
12	144	$31,952	$7,828	$24,123	$4,345,097
13	145	$31,952	$7,785	$24,167	$4,320,931
13	146	$31,952	$7,742	$24,210	$4,296,721
13	147	$31,952	$7,698	$24,253	$4,272,468
13	148	$31,952	$7,655	$24,297	$4,248,171
13	149	$31,952	$7,611	$24,340	$4,223,831
13	150	$31,952	$7,568	$24,384	$4,199,447
13	151	$31,952	$7,524	$24,428	$4,175,019
13	152	$31,952	$7,480	$24,471	$4,150,548
13	153	$31,952	$7,436	$24,515	$4,126,033
13	154	$31,952	$7,392	$24,559	$4,101,474
13	155	$31,952	$7,348	$24,603	$4,076,871
13	156	$31,952	$7,304	$24,647	$4,052,224
14	157	$31,952	$7,260	$24,691	$4,027,532
14	158	$31,952	$7,216	$24,736	$4,002,797
14	159	$31,952	$7,172	$24,780	$3,978,017
14	160	$31,952	$7,127	$24,824	$3,953,193
14	161	$31,952	$7,083	$24,869	$3,928,324
14	162	$31,952	$7,038	$24,913	$3,903,410
14	163	$31,952	$6,994	$24,958	$3,878,453
14	164	$31,952	$6,949	$25,003	$3,853,450
14	165	$31,952	$6,904	$25,047	$3,828,402
14	166	$31,952	$6,859	$25,092	$3,803,310
14	167	$31,952	$6,814	$25,137	$3,778,173
14	168	$31,952	$6,769	$25,182	$3,752,991
15	169	$31,952	$6,724	$25,227	$3,727,763
15	170	$31,952	$6,679	$25,273	$3,702,490
15	171	$31,952	$6,634	$25,318	$3,677,173
15	172	$31,952	$6,588	$25,363	$3,651,809
15	173	$31,952	$6,543	$25,409	$3,626,401
15	174	$31,952	$6,497	$25,454	$3,600,946
15	175	$31,952	$6,452	$25,500	$3,575,446
15	176	$31,952	$6,406	$25,546	$3,549,901
15	177	$31,952	$6,360	$25,591	$3,524,310
15	178	$31,952	$6,314	$25,637	$3,498,673
15	179	$31,952	$6,268	$25,683	$3,472,989
15	180	$31,952	$6,222	$25,729	$3,447,260
16	181	$31,952	$6,176	$25,775	$3,421,485
16	182	$31,952	$6,130	$25,821	$3,395,664
16	183	$31,952	$6,084	$25,868	$3,369,796
16	184	$31,952	$6,038	$25,914	$3,343,882
16	185	$31,952	$5,991	$25,960	$3,317,922
16	186	$31,952	$5,945	$26,007	$3,291,915
16	187	$31,952	$5,898	$26,054	$3,265,861
16	188	$31,952	$5,851	$26,100	$3,239,761
16	189	$31,952	$5,805	$26,147	$3,213,614
16	190	$31,952	$5,758	$26,194	$3,187,420
16	191	$31,952	$5,711	$26,241	$3,161,179
16	192	$31,952	$5,664	$26,288	$3,134,892
17	193	$31,952	$5,617	$26,335	$3,108,557
17	194	$31,952	$5,569	$26,382	$3,082,175
17	195	$31,952	$5,522	$26,429	$3,055,745
17	196	$31,952	$5,475	$26,477	$3,029,269
17	197	$31,952	$5,427	$26,524	$3,002,745
17	198	$31,952	$5,380	$26,572	$2,976,173
17	199	$31,952	$5,332	$26,619	$2,949,554
17	200	$31,952	$5,285	$26,667	$2,922,887
17	201	$31,952	$5,237	$26,715	$2,896,172
17	202	$31,952	$5,189	$26,763	$2,869,410
17	203	$31,952	$5,141	$26,811	$2,842,599
17	204	$31,952	$5,093	$26,859	$2,815,741
18	205	$31,952	$5,045	$26,907	$2,788,834
18	206	$31,952	$4,997	$26,955	$2,761,879
18	207	$31,952	$4,948	$27,003	$2,734,876
18	208	$31,952	$4,900	$27,052	$2,707,824
18	209	$31,952	$4,852	$27,100	$2,680,724
18	210	$31,952	$4,803	$27,149	$2,653,576
18	211	$31,952	$4,754	$27,197	$2,626,378
18	212	$31,952	$4,706	$27,246	$2,599,133
18	213	$31,952	$4,657	$27,295	$2,571,838
18	214	$31,952	$4,608	$27,344	$2,544,494
18	215	$31,952	$4,559	$27,393	$2,517,101
18	216	$31,952	$4,510	$27,442	$2,489,660
19	217	$31,952	$4,461	$27,491	$2,462,169
19	218	$31,952	$4,411	$27,540	$2,434,629
19	219	$31,952	$4,362	$27,589	$2,407,039
19	220	$31,952	$4,313	$27,639	$2,379,400
19	221	$31,952	$4,263	$27,688	$2,351,712
19	222	$31,952	$4,213	$27,738	$2,323,974
19	223	$31,952	$4,164	$27,788	$2,296,186
19	224	$31,952	$4,114	$27,838	$2,268,348
19	225	$31,952	$4,064	$27,887	$2,240,461
19	226	$31,952	$4,014	$27,937	$2,212,524
19	227	$31,952	$3,964	$27,987	$2,184,536
19	228	$31,952	$3,914	$28,038	$2,156,499
20	229	$31,952	$3,864	$28,088	$2,128,411
20	230	$31,952	$3,813	$28,138	$2,100,273
20	231	$31,952	$3,763	$28,189	$2,072,084
20	232	$31,952	$3,712	$28,239	$2,043,845
20	233	$31,952	$3,662	$28,290	$2,015,555
20	234	$31,952	$3,611	$28,340	$1,987,215
20	235	$31,952	$3,560	$28,391	$1,958,824
20	236	$31,952	$3,510	$28,442	$1,930,382
20	237	$31,952	$3,459	$28,493	$1,901,889
20	238	$31,952	$3,408	$28,544	$1,873,345
20	239	$31,952	$3,356	$28,595	$1,844,750
20	240	$31,952	$3,305	$28,646	$1,816,104
21	241	$31,952	$3,254	$28,698	$1,787,406
21	242	$31,952	$3,202	$28,749	$1,758,657
21	243	$31,952	$3,151	$28,801	$1,729,856
21	244	$31,952	$3,099	$28,852	$1,701,004
21	245	$31,952	$3,048	$28,904	$1,672,100
21	246	$31,952	$2,996	$28,956	$1,643,144
21	247	$31,952	$2,944	$29,008	$1,614,137
21	248	$31,952	$2,892	$29,060	$1,585,077
21	249	$31,952	$2,840	$29,112	$1,555,966
21	250	$31,952	$2,788	$29,164	$1,526,802
21	251	$31,952	$2,736	$29,216	$1,497,586
21	252	$31,952	$2,683	$29,268	$1,468,317
22	253	$31,952	$2,631	$29,321	$1,438,997
22	254	$31,952	$2,578	$29,373	$1,409,623
22	255	$31,952	$2,526	$29,426	$1,380,197
22	256	$31,952	$2,473	$29,479	$1,350,719
22	257	$31,952	$2,420	$29,532	$1,321,187
22	258	$31,952	$2,367	$29,584	$1,291,603
22	259	$31,952	$2,314	$29,637	$1,261,965
22	260	$31,952	$2,261	$29,691	$1,232,275
22	261	$31,952	$2,208	$29,744	$1,202,531
22	262	$31,952	$2,155	$29,797	$1,172,734
22	263	$31,952	$2,101	$29,850	$1,142,884
22	264	$31,952	$2,048	$29,904	$1,112,980
23	265	$31,952	$1,994	$29,957	$1,083,022
23	266	$31,952	$1,940	$30,011	$1,053,011
23	267	$31,952	$1,887	$30,065	$1,022,946
23	268	$31,952	$1,833	$30,119	$992,827
23	269	$31,952	$1,779	$30,173	$962,655
23	270	$31,952	$1,725	$30,227	$932,428
23	271	$31,952	$1,671	$30,281	$902,147
23	272	$31,952	$1,616	$30,335	$871,812
23	273	$31,952	$1,562	$30,390	$841,422
23	274	$31,952	$1,508	$30,444	$810,978
23	275	$31,952	$1,453	$30,499	$780,480
23	276	$31,952	$1,398	$30,553	$749,927
24	277	$31,952	$1,344	$30,608	$719,319
24	278	$31,952	$1,289	$30,663	$688,656
24	279	$31,952	$1,234	$30,718	$657,938
24	280	$31,952	$1,179	$30,773	$627,165
24	281	$31,952	$1,124	$30,828	$596,338
24	282	$31,952	$1,068	$30,883	$565,454
24	283	$31,952	$1,013	$30,938	$534,516
24	284	$31,952	$958	$30,994	$503,522
24	285	$31,952	$902	$31,049	$472,473
24	286	$31,952	$847	$31,105	$441,368
24	287	$31,952	$791	$31,161	$410,207
24	288	$31,952	$735	$31,217	$378,990
25	289	$31,952	$679	$31,273	$347,718
25	290	$31,952	$623	$31,329	$316,389
25	291	$31,952	$567	$31,385	$285,005
25	292	$31,952	$511	$31,441	$253,564
25	293	$31,952	$454	$31,497	$222,066
25	294	$31,952	$398	$31,554	$190,513
25	295	$31,952	$341	$31,610	$158,903
25	296	$31,952	$285	$31,667	$127,236
25	297	$31,952	$228	$31,724	$95,512
25	298	$31,952	$171	$31,780	$63,732
25	299	$31,952	$114	$31,837	$31,894
25	300	$31,952	$57	$31,894	$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$ 4,940,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,063,500

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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.