Century 21 Centaland Property

Down Payment (HKD)

$3,680,000

Monthly Repayment (HKD)

$23,802

Loan Amount (HKD)

$5,520,000

Total Interest (HKD)

$1,620,588

Total Repayment (HKD)

$7,140,588

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$23,802	$9,890	$13,912	$5,506,088
1	2	$23,802	$9,865	$13,937	$5,492,151
1	3	$23,802	$9,840	$13,962	$5,478,189
1	4	$23,802	$9,815	$13,987	$5,464,202
1	5	$23,802	$9,790	$14,012	$5,450,191
1	6	$23,802	$9,765	$14,037	$5,436,153
1	7	$23,802	$9,740	$14,062	$5,422,091
1	8	$23,802	$9,715	$14,087	$5,408,004
1	9	$23,802	$9,689	$14,113	$5,393,891
1	10	$23,802	$9,664	$14,138	$5,379,753
1	11	$23,802	$9,639	$14,163	$5,365,590
1	12	$23,802	$9,613	$14,189	$5,351,402
2	13	$23,802	$9,588	$14,214	$5,337,188
2	14	$23,802	$9,562	$14,239	$5,322,948
2	15	$23,802	$9,537	$14,265	$5,308,683
2	16	$23,802	$9,511	$14,291	$5,294,392
2	17	$23,802	$9,486	$14,316	$5,280,076
2	18	$23,802	$9,460	$14,342	$5,265,734
2	19	$23,802	$9,434	$14,368	$5,251,367
2	20	$23,802	$9,409	$14,393	$5,236,974
2	21	$23,802	$9,383	$14,419	$5,222,555
2	22	$23,802	$9,357	$14,445	$5,208,110
2	23	$23,802	$9,331	$14,471	$5,193,639
2	24	$23,802	$9,305	$14,497	$5,179,142
3	25	$23,802	$9,279	$14,523	$5,164,620
3	26	$23,802	$9,253	$14,549	$5,150,071
3	27	$23,802	$9,227	$14,575	$5,135,496
3	28	$23,802	$9,201	$14,601	$5,120,895
3	29	$23,802	$9,175	$14,627	$5,106,268
3	30	$23,802	$9,149	$14,653	$5,091,615
3	31	$23,802	$9,122	$14,679	$5,076,936
3	32	$23,802	$9,096	$14,706	$5,062,230
3	33	$23,802	$9,070	$14,732	$5,047,498
3	34	$23,802	$9,043	$14,759	$5,032,739
3	35	$23,802	$9,017	$14,785	$5,017,954
3	36	$23,802	$8,991	$14,811	$5,003,143
4	37	$23,802	$8,964	$14,838	$4,988,305
4	38	$23,802	$8,937	$14,865	$4,973,440
4	39	$23,802	$8,911	$14,891	$4,958,549
4	40	$23,802	$8,884	$14,918	$4,943,631
4	41	$23,802	$8,857	$14,945	$4,928,686
4	42	$23,802	$8,831	$14,971	$4,913,715
4	43	$23,802	$8,804	$14,998	$4,898,717
4	44	$23,802	$8,777	$15,025	$4,883,692
4	45	$23,802	$8,750	$15,052	$4,868,640
4	46	$23,802	$8,723	$15,079	$4,853,561
4	47	$23,802	$8,696	$15,106	$4,838,455
4	48	$23,802	$8,669	$15,133	$4,823,322
5	49	$23,802	$8,642	$15,160	$4,808,162
5	50	$23,802	$8,615	$15,187	$4,792,974
5	51	$23,802	$8,587	$15,215	$4,777,760
5	52	$23,802	$8,560	$15,242	$4,762,518
5	53	$23,802	$8,533	$15,269	$4,747,249
5	54	$23,802	$8,505	$15,296	$4,731,952
5	55	$23,802	$8,478	$15,324	$4,716,628
5	56	$23,802	$8,451	$15,351	$4,701,277
5	57	$23,802	$8,423	$15,379	$4,685,898
5	58	$23,802	$8,396	$15,406	$4,670,492
5	59	$23,802	$8,368	$15,434	$4,655,058
5	60	$23,802	$8,340	$15,462	$4,639,596
6	61	$23,802	$8,313	$15,489	$4,624,107
6	62	$23,802	$8,285	$15,517	$4,608,590
6	63	$23,802	$8,257	$15,545	$4,593,045
6	64	$23,802	$8,229	$15,573	$4,577,472
6	65	$23,802	$8,201	$15,601	$4,561,871
6	66	$23,802	$8,173	$15,629	$4,546,243
6	67	$23,802	$8,145	$15,657	$4,530,586
6	68	$23,802	$8,117	$15,685	$4,514,902
6	69	$23,802	$8,089	$15,713	$4,499,189
6	70	$23,802	$8,061	$15,741	$4,483,448
6	71	$23,802	$8,033	$15,769	$4,467,679
6	72	$23,802	$8,005	$15,797	$4,451,881
7	73	$23,802	$7,976	$15,826	$4,436,056
7	74	$23,802	$7,948	$15,854	$4,420,202
7	75	$23,802	$7,920	$15,882	$4,404,319
7	76	$23,802	$7,891	$15,911	$4,388,408
7	77	$23,802	$7,863	$15,939	$4,372,469
7	78	$23,802	$7,834	$15,968	$4,356,501
7	79	$23,802	$7,805	$15,997	$4,340,504
7	80	$23,802	$7,777	$16,025	$4,324,479
7	81	$23,802	$7,748	$16,054	$4,308,425
7	82	$23,802	$7,719	$16,083	$4,292,343
7	83	$23,802	$7,690	$16,112	$4,276,231
7	84	$23,802	$7,662	$16,140	$4,260,091
8	85	$23,802	$7,633	$16,169	$4,243,921
8	86	$23,802	$7,604	$16,198	$4,227,723
8	87	$23,802	$7,575	$16,227	$4,211,496
8	88	$23,802	$7,546	$16,256	$4,195,239
8	89	$23,802	$7,516	$16,285	$4,178,954
8	90	$23,802	$7,487	$16,315	$4,162,639
8	91	$23,802	$7,458	$16,344	$4,146,295
8	92	$23,802	$7,429	$16,373	$4,129,922
8	93	$23,802	$7,399	$16,403	$4,113,520
8	94	$23,802	$7,370	$16,432	$4,097,088
8	95	$23,802	$7,341	$16,461	$4,080,626
8	96	$23,802	$7,311	$16,491	$4,064,136
9	97	$23,802	$7,282	$16,520	$4,047,615
9	98	$23,802	$7,252	$16,550	$4,031,065
9	99	$23,802	$7,222	$16,580	$4,014,486
9	100	$23,802	$7,193	$16,609	$3,997,876
9	101	$23,802	$7,163	$16,639	$3,981,237
9	102	$23,802	$7,133	$16,669	$3,964,568
9	103	$23,802	$7,103	$16,699	$3,947,870
9	104	$23,802	$7,073	$16,729	$3,931,141
9	105	$23,802	$7,043	$16,759	$3,914,382
9	106	$23,802	$7,013	$16,789	$3,897,593
9	107	$23,802	$6,983	$16,819	$3,880,775
9	108	$23,802	$6,953	$16,849	$3,863,926
10	109	$23,802	$6,923	$16,879	$3,847,047
10	110	$23,802	$6,893	$16,909	$3,830,137
10	111	$23,802	$6,862	$16,940	$3,813,198
10	112	$23,802	$6,832	$16,970	$3,796,228
10	113	$23,802	$6,802	$17,000	$3,779,227
10	114	$23,802	$6,771	$17,031	$3,762,197
10	115	$23,802	$6,741	$17,061	$3,745,135
10	116	$23,802	$6,710	$17,092	$3,728,043
10	117	$23,802	$6,679	$17,123	$3,710,921
10	118	$23,802	$6,649	$17,153	$3,693,768
10	119	$23,802	$6,618	$17,184	$3,676,584
10	120	$23,802	$6,587	$17,215	$3,659,369
11	121	$23,802	$6,556	$17,246	$3,642,123
11	122	$23,802	$6,525	$17,276	$3,624,847
11	123	$23,802	$6,495	$17,307	$3,607,539
11	124	$23,802	$6,464	$17,338	$3,590,201
11	125	$23,802	$6,432	$17,370	$3,572,831
11	126	$23,802	$6,401	$17,401	$3,555,431
11	127	$23,802	$6,370	$17,432	$3,537,999
11	128	$23,802	$6,339	$17,463	$3,520,536
11	129	$23,802	$6,308	$17,494	$3,503,041
11	130	$23,802	$6,276	$17,526	$3,485,516
11	131	$23,802	$6,245	$17,557	$3,467,959
11	132	$23,802	$6,213	$17,589	$3,450,370
12	133	$23,802	$6,182	$17,620	$3,432,750
12	134	$23,802	$6,150	$17,652	$3,415,099
12	135	$23,802	$6,119	$17,683	$3,397,415
12	136	$23,802	$6,087	$17,715	$3,379,700
12	137	$23,802	$6,055	$17,747	$3,361,954
12	138	$23,802	$6,024	$17,778	$3,344,175
12	139	$23,802	$5,992	$17,810	$3,326,365
12	140	$23,802	$5,960	$17,842	$3,308,523
12	141	$23,802	$5,928	$17,874	$3,290,649
12	142	$23,802	$5,896	$17,906	$3,272,742
12	143	$23,802	$5,864	$17,938	$3,254,804
12	144	$23,802	$5,832	$17,970	$3,236,834
13	145	$23,802	$5,799	$18,003	$3,218,831
13	146	$23,802	$5,767	$18,035	$3,200,796
13	147	$23,802	$5,735	$18,067	$3,182,729
13	148	$23,802	$5,702	$18,100	$3,164,629
13	149	$23,802	$5,670	$18,132	$3,146,497
13	150	$23,802	$5,637	$18,164	$3,128,333
13	151	$23,802	$5,605	$18,197	$3,110,136
13	152	$23,802	$5,572	$18,230	$3,091,906
13	153	$23,802	$5,540	$18,262	$3,073,644
13	154	$23,802	$5,507	$18,295	$3,055,349
13	155	$23,802	$5,474	$18,328	$3,037,021
13	156	$23,802	$5,441	$18,361	$3,018,660
14	157	$23,802	$5,408	$18,394	$3,000,267
14	158	$23,802	$5,375	$18,426	$2,981,840
14	159	$23,802	$5,342	$18,459	$2,963,381
14	160	$23,802	$5,309	$18,493	$2,944,888
14	161	$23,802	$5,276	$18,526	$2,926,363
14	162	$23,802	$5,243	$18,559	$2,907,804
14	163	$23,802	$5,210	$18,592	$2,889,212
14	164	$23,802	$5,177	$18,625	$2,870,586
14	165	$23,802	$5,143	$18,659	$2,851,927
14	166	$23,802	$5,110	$18,692	$2,833,235
14	167	$23,802	$5,076	$18,726	$2,814,509
14	168	$23,802	$5,043	$18,759	$2,795,750
15	169	$23,802	$5,009	$18,793	$2,776,957
15	170	$23,802	$4,975	$18,827	$2,758,131
15	171	$23,802	$4,942	$18,860	$2,739,270
15	172	$23,802	$4,908	$18,894	$2,720,376
15	173	$23,802	$4,874	$18,928	$2,701,448
15	174	$23,802	$4,840	$18,962	$2,682,486
15	175	$23,802	$4,806	$18,996	$2,663,491
15	176	$23,802	$4,772	$19,030	$2,644,461
15	177	$23,802	$4,738	$19,064	$2,625,397
15	178	$23,802	$4,704	$19,098	$2,606,299
15	179	$23,802	$4,670	$19,132	$2,587,166
15	180	$23,802	$4,635	$19,167	$2,568,000
16	181	$23,802	$4,601	$19,201	$2,548,799
16	182	$23,802	$4,567	$19,235	$2,529,563
16	183	$23,802	$4,532	$19,270	$2,510,293
16	184	$23,802	$4,498	$19,304	$2,490,989
16	185	$23,802	$4,463	$19,339	$2,471,650
16	186	$23,802	$4,428	$19,374	$2,452,277
16	187	$23,802	$4,394	$19,408	$2,432,868
16	188	$23,802	$4,359	$19,443	$2,413,425
16	189	$23,802	$4,324	$19,478	$2,393,947
16	190	$23,802	$4,289	$19,513	$2,374,434
16	191	$23,802	$4,254	$19,548	$2,354,887
16	192	$23,802	$4,219	$19,583	$2,335,304
17	193	$23,802	$4,184	$19,618	$2,315,686
17	194	$23,802	$4,149	$19,653	$2,296,033
17	195	$23,802	$4,114	$19,688	$2,276,345
17	196	$23,802	$4,078	$19,724	$2,256,621
17	197	$23,802	$4,043	$19,759	$2,236,862
17	198	$23,802	$4,008	$19,794	$2,217,068
17	199	$23,802	$3,972	$19,830	$2,197,239
17	200	$23,802	$3,937	$19,865	$2,177,373
17	201	$23,802	$3,901	$19,901	$2,157,472
17	202	$23,802	$3,865	$19,936	$2,137,536
17	203	$23,802	$3,830	$19,972	$2,117,564
17	204	$23,802	$3,794	$20,008	$2,097,556
18	205	$23,802	$3,758	$20,044	$2,077,512
18	206	$23,802	$3,722	$20,080	$2,057,432
18	207	$23,802	$3,686	$20,116	$2,037,316
18	208	$23,802	$3,650	$20,152	$2,017,165
18	209	$23,802	$3,614	$20,188	$1,996,977
18	210	$23,802	$3,578	$20,224	$1,976,753
18	211	$23,802	$3,542	$20,260	$1,956,492
18	212	$23,802	$3,505	$20,297	$1,936,196
18	213	$23,802	$3,469	$20,333	$1,915,863
18	214	$23,802	$3,433	$20,369	$1,895,494
18	215	$23,802	$3,396	$20,406	$1,875,088
18	216	$23,802	$3,360	$20,442	$1,854,645
19	217	$23,802	$3,323	$20,479	$1,834,166
19	218	$23,802	$3,286	$20,516	$1,813,650
19	219	$23,802	$3,249	$20,553	$1,793,098
19	220	$23,802	$3,213	$20,589	$1,772,509
19	221	$23,802	$3,176	$20,626	$1,751,882
19	222	$23,802	$3,139	$20,663	$1,731,219
19	223	$23,802	$3,102	$20,700	$1,710,519
19	224	$23,802	$3,065	$20,737	$1,689,782
19	225	$23,802	$3,028	$20,774	$1,669,007
19	226	$23,802	$2,990	$20,812	$1,648,196
19	227	$23,802	$2,953	$20,849	$1,627,347
19	228	$23,802	$2,916	$20,886	$1,606,460
20	229	$23,802	$2,878	$20,924	$1,585,537
20	230	$23,802	$2,841	$20,961	$1,564,576
20	231	$23,802	$2,803	$20,999	$1,543,577
20	232	$23,802	$2,766	$21,036	$1,522,540
20	233	$23,802	$2,728	$21,074	$1,501,466
20	234	$23,802	$2,690	$21,112	$1,480,355
20	235	$23,802	$2,652	$21,150	$1,459,205
20	236	$23,802	$2,614	$21,188	$1,438,017
20	237	$23,802	$2,576	$21,226	$1,416,792
20	238	$23,802	$2,538	$21,264	$1,395,528
20	239	$23,802	$2,500	$21,302	$1,374,227
20	240	$23,802	$2,462	$21,340	$1,352,887
21	241	$23,802	$2,424	$21,378	$1,331,509
21	242	$23,802	$2,386	$21,416	$1,310,092
21	243	$23,802	$2,347	$21,455	$1,288,638
21	244	$23,802	$2,309	$21,493	$1,267,145
21	245	$23,802	$2,270	$21,532	$1,245,613
21	246	$23,802	$2,232	$21,570	$1,224,043
21	247	$23,802	$2,193	$21,609	$1,202,434
21	248	$23,802	$2,154	$21,648	$1,180,786
21	249	$23,802	$2,116	$21,686	$1,159,100
21	250	$23,802	$2,077	$21,725	$1,137,375
21	251	$23,802	$2,038	$21,764	$1,115,610
21	252	$23,802	$1,999	$21,803	$1,093,807
22	253	$23,802	$1,960	$21,842	$1,071,965
22	254	$23,802	$1,921	$21,881	$1,050,084
22	255	$23,802	$1,881	$21,921	$1,028,163
22	256	$23,802	$1,842	$21,960	$1,006,203
22	257	$23,802	$1,803	$21,999	$984,204
22	258	$23,802	$1,763	$22,039	$962,166
22	259	$23,802	$1,724	$22,078	$940,087
22	260	$23,802	$1,684	$22,118	$917,970
22	261	$23,802	$1,645	$22,157	$895,813
22	262	$23,802	$1,605	$22,197	$873,616
22	263	$23,802	$1,565	$22,237	$851,379
22	264	$23,802	$1,525	$22,277	$829,102
23	265	$23,802	$1,485	$22,316	$806,786
23	266	$23,802	$1,445	$22,356	$784,429
23	267	$23,802	$1,405	$22,397	$762,033
23	268	$23,802	$1,365	$22,437	$739,596
23	269	$23,802	$1,325	$22,477	$717,119
23	270	$23,802	$1,285	$22,517	$694,602
23	271	$23,802	$1,244	$22,557	$672,045
23	272	$23,802	$1,204	$22,598	$649,447
23	273	$23,802	$1,164	$22,638	$626,808
23	274	$23,802	$1,123	$22,679	$604,130
23	275	$23,802	$1,082	$22,720	$581,410
23	276	$23,802	$1,042	$22,760	$558,650
24	277	$23,802	$1,001	$22,801	$535,849
24	278	$23,802	$960	$22,842	$513,007
24	279	$23,802	$919	$22,883	$490,124
24	280	$23,802	$878	$22,924	$467,200
24	281	$23,802	$837	$22,965	$444,235
24	282	$23,802	$796	$23,006	$421,229
24	283	$23,802	$755	$23,047	$398,182
24	284	$23,802	$713	$23,089	$375,093
24	285	$23,802	$672	$23,130	$351,964
24	286	$23,802	$631	$23,171	$328,792
24	287	$23,802	$589	$23,213	$305,579
24	288	$23,802	$547	$23,254	$282,325
25	289	$23,802	$506	$23,296	$259,029
25	290	$23,802	$464	$23,338	$235,691
25	291	$23,802	$422	$23,380	$212,311
25	292	$23,802	$380	$23,422	$188,890
25	293	$23,802	$338	$23,464	$165,426
25	294	$23,802	$296	$23,506	$141,920
25	295	$23,802	$254	$23,548	$118,373
25	296	$23,802	$212	$23,590	$94,783
25	297	$23,802	$170	$23,632	$71,151
25	298	$23,802	$127	$23,674	$47,476
25	299	$23,802	$85	$23,717	$23,759
25	300	$23,802	$43	$23,759	$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$ 3,680,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,772,000

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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.