Century 21 Centaland Property

Down Payment (HKD)

$9,120,000

Monthly Repayment (HKD)

$58,987

Loan Amount (HKD)

$13,680,000

Total Interest (HKD)

$4,016,239

Total Repayment (HKD)

$17,696,239

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$58,987	$24,510	$34,477	$13,645,523
1	2	$58,987	$24,448	$34,539	$13,610,983
1	3	$58,987	$24,386	$34,601	$13,576,382
1	4	$58,987	$24,324	$34,663	$13,541,719
1	5	$58,987	$24,262	$34,725	$13,506,994
1	6	$58,987	$24,200	$34,787	$13,472,206
1	7	$58,987	$24,138	$34,850	$13,437,357
1	8	$58,987	$24,075	$34,912	$13,402,444
1	9	$58,987	$24,013	$34,975	$13,367,470
1	10	$58,987	$23,950	$35,037	$13,332,432
1	11	$58,987	$23,887	$35,100	$13,297,332
1	12	$58,987	$23,824	$35,163	$13,262,169
2	13	$58,987	$23,761	$35,226	$13,226,943
2	14	$58,987	$23,698	$35,289	$13,191,654
2	15	$58,987	$23,635	$35,352	$13,156,301
2	16	$58,987	$23,572	$35,416	$13,120,886
2	17	$58,987	$23,508	$35,479	$13,085,406
2	18	$58,987	$23,445	$35,543	$13,049,864
2	19	$58,987	$23,381	$35,606	$13,014,257
2	20	$58,987	$23,317	$35,670	$12,978,587
2	21	$58,987	$23,253	$35,734	$12,942,853
2	22	$58,987	$23,189	$35,798	$12,907,055
2	23	$58,987	$23,125	$35,862	$12,871,192
2	24	$58,987	$23,061	$35,927	$12,835,266
3	25	$58,987	$22,997	$35,991	$12,799,275
3	26	$58,987	$22,932	$36,055	$12,763,219
3	27	$58,987	$22,867	$36,120	$12,727,099
3	28	$58,987	$22,803	$36,185	$12,690,915
3	29	$58,987	$22,738	$36,250	$12,654,665
3	30	$58,987	$22,673	$36,315	$12,618,350
3	31	$58,987	$22,608	$36,380	$12,581,971
3	32	$58,987	$22,543	$36,445	$12,545,526
3	33	$58,987	$22,477	$36,510	$12,509,016
3	34	$58,987	$22,412	$36,575	$12,472,441
3	35	$58,987	$22,346	$36,641	$12,435,800
3	36	$58,987	$22,281	$36,707	$12,399,093
4	37	$58,987	$22,215	$36,772	$12,362,320
4	38	$58,987	$22,149	$36,838	$12,325,482
4	39	$58,987	$22,083	$36,904	$12,288,578
4	40	$58,987	$22,017	$36,970	$12,251,607
4	41	$58,987	$21,951	$37,037	$12,214,571
4	42	$58,987	$21,884	$37,103	$12,177,468
4	43	$58,987	$21,818	$37,170	$12,140,298
4	44	$58,987	$21,751	$37,236	$12,103,062
4	45	$58,987	$21,685	$37,303	$12,065,759
4	46	$58,987	$21,618	$37,370	$12,028,390
4	47	$58,987	$21,551	$37,437	$11,990,953
4	48	$58,987	$21,484	$37,504	$11,953,449
5	49	$58,987	$21,417	$37,571	$11,915,879
5	50	$58,987	$21,349	$37,638	$11,878,240
5	51	$58,987	$21,282	$37,706	$11,840,535
5	52	$58,987	$21,214	$37,773	$11,802,762
5	53	$58,987	$21,147	$37,841	$11,764,921
5	54	$58,987	$21,079	$37,909	$11,727,012
5	55	$58,987	$21,011	$37,977	$11,689,035
5	56	$58,987	$20,943	$38,045	$11,650,991
5	57	$58,987	$20,875	$38,113	$11,612,878
5	58	$58,987	$20,806	$38,181	$11,574,697
5	59	$58,987	$20,738	$38,249	$11,536,448
5	60	$58,987	$20,669	$38,318	$11,498,130
6	61	$58,987	$20,601	$38,387	$11,459,743
6	62	$58,987	$20,532	$38,455	$11,421,288
6	63	$58,987	$20,463	$38,524	$11,382,763
6	64	$58,987	$20,394	$38,593	$11,344,170
6	65	$58,987	$20,325	$38,662	$11,305,507
6	66	$58,987	$20,256	$38,732	$11,266,776
6	67	$58,987	$20,186	$38,801	$11,227,974
6	68	$58,987	$20,117	$38,871	$11,189,104
6	69	$58,987	$20,047	$38,940	$11,150,163
6	70	$58,987	$19,977	$39,010	$11,111,153
6	71	$58,987	$19,907	$39,080	$11,072,073
6	72	$58,987	$19,837	$39,150	$11,032,923
7	73	$58,987	$19,767	$39,220	$10,993,703
7	74	$58,987	$19,697	$39,290	$10,954,413
7	75	$58,987	$19,627	$39,361	$10,915,052
7	76	$58,987	$19,556	$39,431	$10,875,621
7	77	$58,987	$19,485	$39,502	$10,836,119
7	78	$58,987	$19,415	$39,573	$10,796,546
7	79	$58,987	$19,344	$39,644	$10,756,902
7	80	$58,987	$19,273	$39,715	$10,717,188
7	81	$58,987	$19,202	$39,786	$10,677,402
7	82	$58,987	$19,130	$39,857	$10,637,545
7	83	$58,987	$19,059	$39,929	$10,597,616
7	84	$58,987	$18,987	$40,000	$10,557,616
8	85	$58,987	$18,916	$40,072	$10,517,544
8	86	$58,987	$18,844	$40,144	$10,477,401
8	87	$58,987	$18,772	$40,215	$10,437,185
8	88	$58,987	$18,700	$40,288	$10,396,898
8	89	$58,987	$18,628	$40,360	$10,356,538
8	90	$58,987	$18,555	$40,432	$10,316,106
8	91	$58,987	$18,483	$40,504	$10,275,602
8	92	$58,987	$18,410	$40,577	$10,235,025
8	93	$58,987	$18,338	$40,650	$10,194,375
8	94	$58,987	$18,265	$40,723	$10,153,652
8	95	$58,987	$18,192	$40,796	$10,112,857
8	96	$58,987	$18,119	$40,869	$10,071,988
9	97	$58,987	$18,046	$40,942	$10,031,047
9	98	$58,987	$17,972	$41,015	$9,990,031
9	99	$58,987	$17,899	$41,089	$9,948,943
9	100	$58,987	$17,825	$41,162	$9,907,780
9	101	$58,987	$17,751	$41,236	$9,866,544
9	102	$58,987	$17,678	$41,310	$9,825,235
9	103	$58,987	$17,604	$41,384	$9,783,851
9	104	$58,987	$17,529	$41,458	$9,742,393
9	105	$58,987	$17,455	$41,532	$9,700,860
9	106	$58,987	$17,381	$41,607	$9,659,253
9	107	$58,987	$17,306	$41,681	$9,617,572
9	108	$58,987	$17,231	$41,756	$9,575,816
10	109	$58,987	$17,157	$41,831	$9,533,985
10	110	$58,987	$17,082	$41,906	$9,492,080
10	111	$58,987	$17,007	$41,981	$9,450,099
10	112	$58,987	$16,931	$42,056	$9,408,043
10	113	$58,987	$16,856	$42,131	$9,365,911
10	114	$58,987	$16,781	$42,207	$9,323,705
10	115	$58,987	$16,705	$42,282	$9,281,422
10	116	$58,987	$16,629	$42,358	$9,239,064
10	117	$58,987	$16,553	$42,434	$9,196,630
10	118	$58,987	$16,477	$42,510	$9,154,119
10	119	$58,987	$16,401	$42,586	$9,111,533
10	120	$58,987	$16,325	$42,663	$9,068,871
11	121	$58,987	$16,248	$42,739	$9,026,131
11	122	$58,987	$16,172	$42,816	$8,983,316
11	123	$58,987	$16,095	$42,892	$8,940,423
11	124	$58,987	$16,018	$42,969	$8,897,454
11	125	$58,987	$15,941	$43,046	$8,854,408
11	126	$58,987	$15,864	$43,123	$8,811,285
11	127	$58,987	$15,787	$43,201	$8,768,084
11	128	$58,987	$15,709	$43,278	$8,724,806
11	129	$58,987	$15,632	$43,356	$8,681,451
11	130	$58,987	$15,554	$43,433	$8,638,017
11	131	$58,987	$15,476	$43,511	$8,594,506
11	132	$58,987	$15,398	$43,589	$8,550,917
12	133	$58,987	$15,320	$43,667	$8,507,250
12	134	$58,987	$15,242	$43,745	$8,463,505
12	135	$58,987	$15,164	$43,824	$8,419,681
12	136	$58,987	$15,085	$43,902	$8,375,779
12	137	$58,987	$15,007	$43,981	$8,331,798
12	138	$58,987	$14,928	$44,060	$8,287,739
12	139	$58,987	$14,849	$44,139	$8,243,600
12	140	$58,987	$14,770	$44,218	$8,199,382
12	141	$58,987	$14,691	$44,297	$8,155,086
12	142	$58,987	$14,611	$44,376	$8,110,709
12	143	$58,987	$14,532	$44,456	$8,066,253
12	144	$58,987	$14,452	$44,535	$8,021,718
13	145	$58,987	$14,372	$44,615	$7,977,103
13	146	$58,987	$14,292	$44,695	$7,932,408
13	147	$58,987	$14,212	$44,775	$7,887,632
13	148	$58,987	$14,132	$44,855	$7,842,777
13	149	$58,987	$14,052	$44,936	$7,797,841
13	150	$58,987	$13,971	$45,016	$7,752,825
13	151	$58,987	$13,890	$45,097	$7,707,728
13	152	$58,987	$13,810	$45,178	$7,662,550
13	153	$58,987	$13,729	$45,259	$7,617,291
13	154	$58,987	$13,648	$45,340	$7,571,952
13	155	$58,987	$13,566	$45,421	$7,526,530
13	156	$58,987	$13,485	$45,502	$7,481,028
14	157	$58,987	$13,404	$45,584	$7,435,444
14	158	$58,987	$13,322	$45,666	$7,389,778
14	159	$58,987	$13,240	$45,747	$7,344,031
14	160	$58,987	$13,158	$45,829	$7,298,202
14	161	$58,987	$13,076	$45,912	$7,252,290
14	162	$58,987	$12,994	$45,994	$7,206,296
14	163	$58,987	$12,911	$46,076	$7,160,220
14	164	$58,987	$12,829	$46,159	$7,114,061
14	165	$58,987	$12,746	$46,241	$7,067,820
14	166	$58,987	$12,663	$46,324	$7,021,496
14	167	$58,987	$12,580	$46,407	$6,975,088
14	168	$58,987	$12,497	$46,490	$6,928,598
15	169	$58,987	$12,414	$46,574	$6,882,024
15	170	$58,987	$12,330	$46,657	$6,835,367
15	171	$58,987	$12,247	$46,741	$6,788,626
15	172	$58,987	$12,163	$46,825	$6,741,802
15	173	$58,987	$12,079	$46,908	$6,694,893
15	174	$58,987	$11,995	$46,992	$6,647,901
15	175	$58,987	$11,911	$47,077	$6,600,824
15	176	$58,987	$11,826	$47,161	$6,553,663
15	177	$58,987	$11,742	$47,245	$6,506,418
15	178	$58,987	$11,657	$47,330	$6,459,088
15	179	$58,987	$11,573	$47,415	$6,411,673
15	180	$58,987	$11,488	$47,500	$6,364,173
16	181	$58,987	$11,402	$47,585	$6,316,588
16	182	$58,987	$11,317	$47,670	$6,268,918
16	183	$58,987	$11,232	$47,756	$6,221,162
16	184	$58,987	$11,146	$47,841	$6,173,321
16	185	$58,987	$11,061	$47,927	$6,125,394
16	186	$58,987	$10,975	$48,013	$6,077,381
16	187	$58,987	$10,889	$48,099	$6,029,282
16	188	$58,987	$10,802	$48,185	$5,981,097
16	189	$58,987	$10,716	$48,271	$5,932,826
16	190	$58,987	$10,630	$48,358	$5,884,468
16	191	$58,987	$10,543	$48,444	$5,836,024
16	192	$58,987	$10,456	$48,531	$5,787,492
17	193	$58,987	$10,369	$48,618	$5,738,874
17	194	$58,987	$10,282	$48,705	$5,690,169
17	195	$58,987	$10,195	$48,793	$5,641,376
17	196	$58,987	$10,107	$48,880	$5,592,496
17	197	$58,987	$10,020	$48,968	$5,543,529
17	198	$58,987	$9,932	$49,055	$5,494,473
17	199	$58,987	$9,844	$49,143	$5,445,330
17	200	$58,987	$9,756	$49,231	$5,396,099
17	201	$58,987	$9,668	$49,319	$5,346,780
17	202	$58,987	$9,580	$49,408	$5,297,372
17	203	$58,987	$9,491	$49,496	$5,247,875
17	204	$58,987	$9,402	$49,585	$5,198,290
18	205	$58,987	$9,314	$49,674	$5,148,616
18	206	$58,987	$9,225	$49,763	$5,098,854
18	207	$58,987	$9,135	$49,852	$5,049,002
18	208	$58,987	$9,046	$49,941	$4,999,060
18	209	$58,987	$8,957	$50,031	$4,949,029
18	210	$58,987	$8,867	$50,120	$4,898,909
18	211	$58,987	$8,777	$50,210	$4,848,699
18	212	$58,987	$8,687	$50,300	$4,798,399
18	213	$58,987	$8,597	$50,390	$4,748,008
18	214	$58,987	$8,507	$50,481	$4,697,528
18	215	$58,987	$8,416	$50,571	$4,646,957
18	216	$58,987	$8,326	$50,662	$4,596,295
19	217	$58,987	$8,235	$50,752	$4,545,542
19	218	$58,987	$8,144	$50,843	$4,494,699
19	219	$58,987	$8,053	$50,934	$4,443,765
19	220	$58,987	$7,962	$51,026	$4,392,739
19	221	$58,987	$7,870	$51,117	$4,341,622
19	222	$58,987	$7,779	$51,209	$4,290,413
19	223	$58,987	$7,687	$51,300	$4,239,113
19	224	$58,987	$7,595	$51,392	$4,187,720
19	225	$58,987	$7,503	$51,484	$4,136,236
19	226	$58,987	$7,411	$51,577	$4,084,659
19	227	$58,987	$7,318	$51,669	$4,032,990
19	228	$58,987	$7,226	$51,762	$3,981,228
20	229	$58,987	$7,133	$51,854	$3,929,374
20	230	$58,987	$7,040	$51,947	$3,877,426
20	231	$58,987	$6,947	$52,040	$3,825,386
20	232	$58,987	$6,854	$52,134	$3,773,252
20	233	$58,987	$6,760	$52,227	$3,721,025
20	234	$58,987	$6,667	$52,321	$3,668,705
20	235	$58,987	$6,573	$52,414	$3,616,290
20	236	$58,987	$6,479	$52,508	$3,563,782
20	237	$58,987	$6,385	$52,602	$3,511,180
20	238	$58,987	$6,291	$52,697	$3,458,483
20	239	$58,987	$6,196	$52,791	$3,405,692
20	240	$58,987	$6,102	$52,886	$3,352,806
21	241	$58,987	$6,007	$52,980	$3,299,826
21	242	$58,987	$5,912	$53,075	$3,246,751
21	243	$58,987	$5,817	$53,170	$3,193,580
21	244	$58,987	$5,722	$53,266	$3,140,315
21	245	$58,987	$5,626	$53,361	$3,086,954
21	246	$58,987	$5,531	$53,457	$3,033,497
21	247	$58,987	$5,435	$53,552	$2,979,945
21	248	$58,987	$5,339	$53,648	$2,926,296
21	249	$58,987	$5,243	$53,745	$2,872,552
21	250	$58,987	$5,147	$53,841	$2,818,711
21	251	$58,987	$5,050	$53,937	$2,764,774
21	252	$58,987	$4,954	$54,034	$2,710,740
22	253	$58,987	$4,857	$54,131	$2,656,609
22	254	$58,987	$4,760	$54,228	$2,602,381
22	255	$58,987	$4,663	$54,325	$2,548,056
22	256	$58,987	$4,565	$54,422	$2,493,634
22	257	$58,987	$4,468	$54,520	$2,439,115
22	258	$58,987	$4,370	$54,617	$2,384,497
22	259	$58,987	$4,272	$54,715	$2,329,782
22	260	$58,987	$4,174	$54,813	$2,274,969
22	261	$58,987	$4,076	$54,911	$2,220,057
22	262	$58,987	$3,978	$55,010	$2,165,047
22	263	$58,987	$3,879	$55,108	$2,109,939
22	264	$58,987	$3,780	$55,207	$2,054,732
23	265	$58,987	$3,681	$55,306	$1,999,426
23	266	$58,987	$3,582	$55,405	$1,944,021
23	267	$58,987	$3,483	$55,504	$1,888,516
23	268	$58,987	$3,384	$55,604	$1,832,912
23	269	$58,987	$3,284	$55,703	$1,777,209
23	270	$58,987	$3,184	$55,803	$1,721,405
23	271	$58,987	$3,084	$55,903	$1,665,502
23	272	$58,987	$2,984	$56,003	$1,609,499
23	273	$58,987	$2,884	$56,104	$1,553,395
23	274	$58,987	$2,783	$56,204	$1,497,191
23	275	$58,987	$2,682	$56,305	$1,440,886
23	276	$58,987	$2,582	$56,406	$1,384,480
24	277	$58,987	$2,481	$56,507	$1,327,973
24	278	$58,987	$2,379	$56,608	$1,271,365
24	279	$58,987	$2,278	$56,710	$1,214,655
24	280	$58,987	$2,176	$56,811	$1,157,844
24	281	$58,987	$2,074	$56,913	$1,100,931
24	282	$58,987	$1,973	$57,015	$1,043,916
24	283	$58,987	$1,870	$57,117	$986,799
24	284	$58,987	$1,768	$57,219	$929,579
24	285	$58,987	$1,665	$57,322	$872,257
24	286	$58,987	$1,563	$57,425	$814,833
24	287	$58,987	$1,460	$57,528	$757,305
24	288	$58,987	$1,357	$57,631	$699,675
25	289	$58,987	$1,254	$57,734	$641,941
25	290	$58,987	$1,150	$57,837	$584,103
25	291	$58,987	$1,047	$57,941	$526,162
25	292	$58,987	$943	$58,045	$468,118
25	293	$58,987	$839	$58,149	$409,969
25	294	$58,987	$735	$58,253	$351,716
25	295	$58,987	$630	$58,357	$293,359
25	296	$58,987	$526	$58,462	$234,897
25	297	$58,987	$421	$58,567	$176,330
25	298	$58,987	$316	$58,672	$117,659
25	299	$58,987	$211	$58,777	$58,882
25	300	$58,987	$105	$58,882	$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$ 9,120,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 9,348,000

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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.