Century 21 Centaland Property

Down Payment (HKD)

$5,920,000

Monthly Repayment (HKD)

$38,290

Loan Amount (HKD)

$8,880,000

Total Interest (HKD)

$2,607,032

Total Repayment (HKD)

$11,487,032

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$38,290	$15,910	$22,380	$8,857,620
1	2	$38,290	$15,870	$22,420	$8,835,200
1	3	$38,290	$15,830	$22,460	$8,812,739
1	4	$38,290	$15,789	$22,501	$8,790,239
1	5	$38,290	$15,749	$22,541	$8,767,698
1	6	$38,290	$15,709	$22,581	$8,745,116
1	7	$38,290	$15,668	$22,622	$8,722,495
1	8	$38,290	$15,628	$22,662	$8,699,832
1	9	$38,290	$15,587	$22,703	$8,677,129
1	10	$38,290	$15,547	$22,744	$8,654,386
1	11	$38,290	$15,506	$22,784	$8,631,602
1	12	$38,290	$15,465	$22,825	$8,608,776
2	13	$38,290	$15,424	$22,866	$8,585,910
2	14	$38,290	$15,383	$22,907	$8,563,003
2	15	$38,290	$15,342	$22,948	$8,540,055
2	16	$38,290	$15,301	$22,989	$8,517,066
2	17	$38,290	$15,260	$23,030	$8,494,036
2	18	$38,290	$15,218	$23,072	$8,470,964
2	19	$38,290	$15,177	$23,113	$8,447,851
2	20	$38,290	$15,136	$23,154	$8,424,697
2	21	$38,290	$15,094	$23,196	$8,401,501
2	22	$38,290	$15,053	$23,237	$8,378,263
2	23	$38,290	$15,011	$23,279	$8,354,984
2	24	$38,290	$14,969	$23,321	$8,331,664
3	25	$38,290	$14,928	$23,363	$8,308,301
3	26	$38,290	$14,886	$23,404	$8,284,897
3	27	$38,290	$14,844	$23,446	$8,261,450
3	28	$38,290	$14,802	$23,488	$8,237,962
3	29	$38,290	$14,760	$23,530	$8,214,432
3	30	$38,290	$14,718	$23,573	$8,190,859
3	31	$38,290	$14,675	$23,615	$8,167,244
3	32	$38,290	$14,633	$23,657	$8,143,587
3	33	$38,290	$14,591	$23,700	$8,119,888
3	34	$38,290	$14,548	$23,742	$8,096,146
3	35	$38,290	$14,506	$23,785	$8,072,361
3	36	$38,290	$14,463	$23,827	$8,048,534
4	37	$38,290	$14,420	$23,870	$8,024,664
4	38	$38,290	$14,378	$23,913	$8,000,752
4	39	$38,290	$14,335	$23,955	$7,976,796
4	40	$38,290	$14,292	$23,998	$7,952,798
4	41	$38,290	$14,249	$24,041	$7,928,756
4	42	$38,290	$14,206	$24,084	$7,904,672
4	43	$38,290	$14,163	$24,128	$7,880,544
4	44	$38,290	$14,119	$24,171	$7,856,374
4	45	$38,290	$14,076	$24,214	$7,832,160
4	46	$38,290	$14,033	$24,257	$7,807,902
4	47	$38,290	$13,989	$24,301	$7,783,601
4	48	$38,290	$13,946	$24,344	$7,759,257
5	49	$38,290	$13,902	$24,388	$7,734,869
5	50	$38,290	$13,858	$24,432	$7,710,437
5	51	$38,290	$13,815	$24,476	$7,685,961
5	52	$38,290	$13,771	$24,519	$7,661,442
5	53	$38,290	$13,727	$24,563	$7,636,878
5	54	$38,290	$13,683	$24,607	$7,612,271
5	55	$38,290	$13,639	$24,651	$7,587,620
5	56	$38,290	$13,594	$24,696	$7,562,924
5	57	$38,290	$13,550	$24,740	$7,538,184
5	58	$38,290	$13,506	$24,784	$7,513,400
5	59	$38,290	$13,462	$24,829	$7,488,571
5	60	$38,290	$13,417	$24,873	$7,463,698
6	61	$38,290	$13,372	$24,918	$7,438,781
6	62	$38,290	$13,328	$24,962	$7,413,818
6	63	$38,290	$13,283	$25,007	$7,388,811
6	64	$38,290	$13,238	$25,052	$7,363,759
6	65	$38,290	$13,193	$25,097	$7,338,663
6	66	$38,290	$13,148	$25,142	$7,313,521
6	67	$38,290	$13,103	$25,187	$7,288,334
6	68	$38,290	$13,058	$25,232	$7,263,102
6	69	$38,290	$13,013	$25,277	$7,237,825
6	70	$38,290	$12,968	$25,322	$7,212,503
6	71	$38,290	$12,922	$25,368	$7,187,135
6	72	$38,290	$12,877	$25,413	$7,161,722
7	73	$38,290	$12,831	$25,459	$7,136,264
7	74	$38,290	$12,786	$25,504	$7,110,759
7	75	$38,290	$12,740	$25,550	$7,085,209
7	76	$38,290	$12,694	$25,596	$7,059,613
7	77	$38,290	$12,648	$25,642	$7,033,972
7	78	$38,290	$12,603	$25,688	$7,008,284
7	79	$38,290	$12,557	$25,734	$6,982,551
7	80	$38,290	$12,510	$25,780	$6,956,771
7	81	$38,290	$12,464	$25,826	$6,930,945
7	82	$38,290	$12,418	$25,872	$6,905,073
7	83	$38,290	$12,372	$25,919	$6,879,154
7	84	$38,290	$12,325	$25,965	$6,853,189
8	85	$38,290	$12,279	$26,011	$6,827,178
8	86	$38,290	$12,232	$26,058	$6,801,120
8	87	$38,290	$12,185	$26,105	$6,775,015
8	88	$38,290	$12,139	$26,152	$6,748,864
8	89	$38,290	$12,092	$26,198	$6,722,665
8	90	$38,290	$12,045	$26,245	$6,696,420
8	91	$38,290	$11,998	$26,292	$6,670,127
8	92	$38,290	$11,951	$26,339	$6,643,788
8	93	$38,290	$11,903	$26,387	$6,617,401
8	94	$38,290	$11,856	$26,434	$6,590,967
8	95	$38,290	$11,809	$26,481	$6,564,486
8	96	$38,290	$11,761	$26,529	$6,537,957
9	97	$38,290	$11,714	$26,576	$6,511,381
9	98	$38,290	$11,666	$26,624	$6,484,757
9	99	$38,290	$11,619	$26,672	$6,458,086
9	100	$38,290	$11,571	$26,719	$6,431,366
9	101	$38,290	$11,523	$26,767	$6,404,599
9	102	$38,290	$11,475	$26,815	$6,377,784
9	103	$38,290	$11,427	$26,863	$6,350,921
9	104	$38,290	$11,379	$26,911	$6,324,009
9	105	$38,290	$11,331	$26,960	$6,297,050
9	106	$38,290	$11,282	$27,008	$6,270,042
9	107	$38,290	$11,234	$27,056	$6,242,985
9	108	$38,290	$11,185	$27,105	$6,215,881
10	109	$38,290	$11,137	$27,153	$6,188,727
10	110	$38,290	$11,088	$27,202	$6,161,525
10	111	$38,290	$11,039	$27,251	$6,134,275
10	112	$38,290	$10,991	$27,300	$6,106,975
10	113	$38,290	$10,942	$27,348	$6,079,627
10	114	$38,290	$10,893	$27,397	$6,052,229
10	115	$38,290	$10,844	$27,447	$6,024,783
10	116	$38,290	$10,794	$27,496	$5,997,287
10	117	$38,290	$10,745	$27,545	$5,969,742
10	118	$38,290	$10,696	$27,594	$5,942,148
10	119	$38,290	$10,646	$27,644	$5,914,504
10	120	$38,290	$10,597	$27,693	$5,886,811
11	121	$38,290	$10,547	$27,743	$5,859,068
11	122	$38,290	$10,497	$27,793	$5,831,275
11	123	$38,290	$10,448	$27,842	$5,803,433
11	124	$38,290	$10,398	$27,892	$5,775,540
11	125	$38,290	$10,348	$27,942	$5,747,598
11	126	$38,290	$10,298	$27,992	$5,719,606
11	127	$38,290	$10,248	$28,042	$5,691,563
11	128	$38,290	$10,197	$28,093	$5,663,471
11	129	$38,290	$10,147	$28,143	$5,635,328
11	130	$38,290	$10,097	$28,193	$5,607,134
11	131	$38,290	$10,046	$28,244	$5,578,890
11	132	$38,290	$9,996	$28,295	$5,550,596
12	133	$38,290	$9,945	$28,345	$5,522,250
12	134	$38,290	$9,894	$28,396	$5,493,854
12	135	$38,290	$9,843	$28,447	$5,465,407
12	136	$38,290	$9,792	$28,498	$5,436,909
12	137	$38,290	$9,741	$28,549	$5,408,360
12	138	$38,290	$9,690	$28,600	$5,379,760
12	139	$38,290	$9,639	$28,651	$5,351,109
12	140	$38,290	$9,587	$28,703	$5,322,406
12	141	$38,290	$9,536	$28,754	$5,293,652
12	142	$38,290	$9,484	$28,806	$5,264,846
12	143	$38,290	$9,433	$28,857	$5,235,989
12	144	$38,290	$9,381	$28,909	$5,207,080
13	145	$38,290	$9,329	$28,961	$5,178,119
13	146	$38,290	$9,277	$29,013	$5,149,107
13	147	$38,290	$9,225	$29,065	$5,120,042
13	148	$38,290	$9,173	$29,117	$5,090,925
13	149	$38,290	$9,121	$29,169	$5,061,757
13	150	$38,290	$9,069	$29,221	$5,032,535
13	151	$38,290	$9,017	$29,273	$5,003,262
13	152	$38,290	$8,964	$29,326	$4,973,936
13	153	$38,290	$8,912	$29,378	$4,944,558
13	154	$38,290	$8,859	$29,431	$4,915,126
13	155	$38,290	$8,806	$29,484	$4,885,643
13	156	$38,290	$8,753	$29,537	$4,856,106
14	157	$38,290	$8,701	$29,590	$4,826,516
14	158	$38,290	$8,648	$29,643	$4,796,874
14	159	$38,290	$8,594	$29,696	$4,767,178
14	160	$38,290	$8,541	$29,749	$4,737,429
14	161	$38,290	$8,488	$29,802	$4,707,627
14	162	$38,290	$8,434	$29,856	$4,677,771
14	163	$38,290	$8,381	$29,909	$4,647,862
14	164	$38,290	$8,327	$29,963	$4,617,899
14	165	$38,290	$8,274	$30,016	$4,587,883
14	166	$38,290	$8,220	$30,070	$4,557,813
14	167	$38,290	$8,166	$30,124	$4,527,689
14	168	$38,290	$8,112	$30,178	$4,497,511
15	169	$38,290	$8,058	$30,232	$4,467,279
15	170	$38,290	$8,004	$30,286	$4,436,993
15	171	$38,290	$7,950	$30,340	$4,406,652
15	172	$38,290	$7,895	$30,395	$4,376,257
15	173	$38,290	$7,841	$30,449	$4,345,808
15	174	$38,290	$7,786	$30,504	$4,315,304
15	175	$38,290	$7,732	$30,559	$4,284,746
15	176	$38,290	$7,677	$30,613	$4,254,132
15	177	$38,290	$7,622	$30,668	$4,223,464
15	178	$38,290	$7,567	$30,723	$4,192,741
15	179	$38,290	$7,512	$30,778	$4,161,963
15	180	$38,290	$7,457	$30,833	$4,131,130
16	181	$38,290	$7,402	$30,889	$4,100,241
16	182	$38,290	$7,346	$30,944	$4,069,297
16	183	$38,290	$7,291	$30,999	$4,038,298
16	184	$38,290	$7,235	$31,055	$4,007,243
16	185	$38,290	$7,180	$31,110	$3,976,133
16	186	$38,290	$7,124	$31,166	$3,944,967
16	187	$38,290	$7,068	$31,222	$3,913,745
16	188	$38,290	$7,012	$31,278	$3,882,467
16	189	$38,290	$6,956	$31,334	$3,851,133
16	190	$38,290	$6,900	$31,390	$3,819,742
16	191	$38,290	$6,844	$31,446	$3,788,296
16	192	$38,290	$6,787	$31,503	$3,756,793
17	193	$38,290	$6,731	$31,559	$3,725,234
17	194	$38,290	$6,674	$31,616	$3,693,618
17	195	$38,290	$6,618	$31,672	$3,661,946
17	196	$38,290	$6,561	$31,729	$3,630,217
17	197	$38,290	$6,504	$31,786	$3,598,431
17	198	$38,290	$6,447	$31,843	$3,566,588
17	199	$38,290	$6,390	$31,900	$3,534,688
17	200	$38,290	$6,333	$31,957	$3,502,731
17	201	$38,290	$6,276	$32,014	$3,470,717
17	202	$38,290	$6,218	$32,072	$3,438,645
17	203	$38,290	$6,161	$32,129	$3,406,516
17	204	$38,290	$6,103	$32,187	$3,374,329
18	205	$38,290	$6,046	$32,244	$3,342,084
18	206	$38,290	$5,988	$32,302	$3,309,782
18	207	$38,290	$5,930	$32,360	$3,277,422
18	208	$38,290	$5,872	$32,418	$3,245,004
18	209	$38,290	$5,814	$32,476	$3,212,528
18	210	$38,290	$5,756	$32,534	$3,179,994
18	211	$38,290	$5,697	$32,593	$3,147,401
18	212	$38,290	$5,639	$32,651	$3,114,750
18	213	$38,290	$5,581	$32,710	$3,082,040
18	214	$38,290	$5,522	$32,768	$3,049,272
18	215	$38,290	$5,463	$32,827	$3,016,445
18	216	$38,290	$5,404	$32,886	$2,983,560
19	217	$38,290	$5,346	$32,945	$2,950,615
19	218	$38,290	$5,287	$33,004	$2,917,612
19	219	$38,290	$5,227	$33,063	$2,884,549
19	220	$38,290	$5,168	$33,122	$2,851,427
19	221	$38,290	$5,109	$33,181	$2,818,246
19	222	$38,290	$5,049	$33,241	$2,785,005
19	223	$38,290	$4,990	$33,300	$2,751,705
19	224	$38,290	$4,930	$33,360	$2,718,345
19	225	$38,290	$4,870	$33,420	$2,684,925
19	226	$38,290	$4,810	$33,480	$2,651,445
19	227	$38,290	$4,751	$33,540	$2,617,906
19	228	$38,290	$4,690	$33,600	$2,584,306
20	229	$38,290	$4,630	$33,660	$2,550,646
20	230	$38,290	$4,570	$33,720	$2,516,926
20	231	$38,290	$4,509	$33,781	$2,483,145
20	232	$38,290	$4,449	$33,841	$2,449,304
20	233	$38,290	$4,388	$33,902	$2,415,402
20	234	$38,290	$4,328	$33,963	$2,381,440
20	235	$38,290	$4,267	$34,023	$2,347,417
20	236	$38,290	$4,206	$34,084	$2,313,332
20	237	$38,290	$4,145	$34,145	$2,279,187
20	238	$38,290	$4,084	$34,207	$2,244,980
20	239	$38,290	$4,022	$34,268	$2,210,712
20	240	$38,290	$3,961	$34,329	$2,176,383
21	241	$38,290	$3,899	$34,391	$2,141,992
21	242	$38,290	$3,838	$34,452	$2,107,540
21	243	$38,290	$3,776	$34,514	$2,073,026
21	244	$38,290	$3,714	$34,576	$2,038,450
21	245	$38,290	$3,652	$34,638	$2,003,812
21	246	$38,290	$3,590	$34,700	$1,969,112
21	247	$38,290	$3,528	$34,762	$1,934,350
21	248	$38,290	$3,466	$34,824	$1,899,526
21	249	$38,290	$3,403	$34,887	$1,864,639
21	250	$38,290	$3,341	$34,949	$1,829,690
21	251	$38,290	$3,278	$35,012	$1,794,678
21	252	$38,290	$3,215	$35,075	$1,759,603
22	253	$38,290	$3,153	$35,137	$1,724,466
22	254	$38,290	$3,090	$35,200	$1,689,265
22	255	$38,290	$3,027	$35,264	$1,654,002
22	256	$38,290	$2,963	$35,327	$1,618,675
22	257	$38,290	$2,900	$35,390	$1,583,285
22	258	$38,290	$2,837	$35,453	$1,547,832
22	259	$38,290	$2,773	$35,517	$1,512,315
22	260	$38,290	$2,710	$35,581	$1,476,734
22	261	$38,290	$2,646	$35,644	$1,441,090
22	262	$38,290	$2,582	$35,708	$1,405,382
22	263	$38,290	$2,518	$35,772	$1,369,609
22	264	$38,290	$2,454	$35,836	$1,333,773
23	265	$38,290	$2,390	$35,900	$1,297,873
23	266	$38,290	$2,325	$35,965	$1,261,908
23	267	$38,290	$2,261	$36,029	$1,225,879
23	268	$38,290	$2,196	$36,094	$1,189,785
23	269	$38,290	$2,132	$36,158	$1,153,627
23	270	$38,290	$2,067	$36,223	$1,117,404
23	271	$38,290	$2,002	$36,288	$1,081,115
23	272	$38,290	$1,937	$36,353	$1,044,762
23	273	$38,290	$1,872	$36,418	$1,008,344
23	274	$38,290	$1,807	$36,483	$971,861
23	275	$38,290	$1,741	$36,549	$935,312
23	276	$38,290	$1,676	$36,614	$898,697
24	277	$38,290	$1,610	$36,680	$862,017
24	278	$38,290	$1,544	$36,746	$825,272
24	279	$38,290	$1,479	$36,811	$788,460
24	280	$38,290	$1,413	$36,877	$751,583
24	281	$38,290	$1,347	$36,944	$714,639
24	282	$38,290	$1,280	$37,010	$677,630
24	283	$38,290	$1,214	$37,076	$640,554
24	284	$38,290	$1,148	$37,142	$603,411
24	285	$38,290	$1,081	$37,209	$566,202
24	286	$38,290	$1,014	$37,276	$528,926
24	287	$38,290	$948	$37,342	$491,584
24	288	$38,290	$881	$37,409	$454,175
25	289	$38,290	$814	$37,476	$416,698
25	290	$38,290	$747	$37,544	$379,155
25	291	$38,290	$679	$37,611	$341,544
25	292	$38,290	$612	$37,678	$303,866
25	293	$38,290	$544	$37,746	$266,120
25	294	$38,290	$477	$37,813	$228,307
25	295	$38,290	$409	$37,881	$190,426
25	296	$38,290	$341	$37,949	$152,477
25	297	$38,290	$273	$38,017	$114,460
25	298	$38,290	$205	$38,085	$76,375
25	299	$38,290	$137	$38,153	$38,222
25	300	$38,290	$68	$38,222	$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$ 5,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,068,000

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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.