Century 21 Centaland Property

Down Payment (HKD)

$3,200,000

Monthly Repayment (HKD)

$20,697

Loan Amount (HKD)

$4,800,000

Total Interest (HKD)

$1,409,207

Total Repayment (HKD)

$6,209,207

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$20,697	$8,600	$12,097	$4,787,903
1	2	$20,697	$8,578	$12,119	$4,775,784
1	3	$20,697	$8,557	$12,141	$4,763,643
1	4	$20,697	$8,535	$12,162	$4,751,480
1	5	$20,697	$8,513	$12,184	$4,739,296
1	6	$20,697	$8,491	$12,206	$4,727,090
1	7	$20,697	$8,469	$12,228	$4,714,862
1	8	$20,697	$8,447	$12,250	$4,702,612
1	9	$20,697	$8,426	$12,272	$4,690,340
1	10	$20,697	$8,404	$12,294	$4,678,046
1	11	$20,697	$8,381	$12,316	$4,665,731
1	12	$20,697	$8,359	$12,338	$4,653,393
2	13	$20,697	$8,337	$12,360	$4,641,033
2	14	$20,697	$8,315	$12,382	$4,628,650
2	15	$20,697	$8,293	$12,404	$4,616,246
2	16	$20,697	$8,271	$12,427	$4,603,820
2	17	$20,697	$8,249	$12,449	$4,591,371
2	18	$20,697	$8,226	$12,471	$4,578,900
2	19	$20,697	$8,204	$12,493	$4,566,406
2	20	$20,697	$8,181	$12,516	$4,553,890
2	21	$20,697	$8,159	$12,538	$4,541,352
2	22	$20,697	$8,137	$12,561	$4,528,791
2	23	$20,697	$8,114	$12,583	$4,516,208
2	24	$20,697	$8,092	$12,606	$4,503,602
3	25	$20,697	$8,069	$12,628	$4,490,974
3	26	$20,697	$8,046	$12,651	$4,478,323
3	27	$20,697	$8,024	$12,674	$4,465,649
3	28	$20,697	$8,001	$12,696	$4,452,952
3	29	$20,697	$7,978	$12,719	$4,440,233
3	30	$20,697	$7,955	$12,742	$4,427,491
3	31	$20,697	$7,933	$12,765	$4,414,727
3	32	$20,697	$7,910	$12,788	$4,401,939
3	33	$20,697	$7,887	$12,811	$4,389,128
3	34	$20,697	$7,864	$12,834	$4,376,295
3	35	$20,697	$7,841	$12,856	$4,363,438
3	36	$20,697	$7,818	$12,880	$4,350,559
4	37	$20,697	$7,795	$12,903	$4,337,656
4	38	$20,697	$7,772	$12,926	$4,324,731
4	39	$20,697	$7,748	$12,949	$4,311,782
4	40	$20,697	$7,725	$12,972	$4,298,810
4	41	$20,697	$7,702	$12,995	$4,285,814
4	42	$20,697	$7,679	$13,019	$4,272,796
4	43	$20,697	$7,655	$13,042	$4,259,754
4	44	$20,697	$7,632	$13,065	$4,246,688
4	45	$20,697	$7,609	$13,089	$4,233,600
4	46	$20,697	$7,585	$13,112	$4,220,488
4	47	$20,697	$7,562	$13,136	$4,207,352
4	48	$20,697	$7,538	$13,159	$4,194,193
5	49	$20,697	$7,515	$13,183	$4,181,010
5	50	$20,697	$7,491	$13,206	$4,167,804
5	51	$20,697	$7,467	$13,230	$4,154,574
5	52	$20,697	$7,444	$13,254	$4,141,320
5	53	$20,697	$7,420	$13,277	$4,128,042
5	54	$20,697	$7,396	$13,301	$4,114,741
5	55	$20,697	$7,372	$13,325	$4,101,416
5	56	$20,697	$7,348	$13,349	$4,088,067
5	57	$20,697	$7,324	$13,373	$4,074,694
5	58	$20,697	$7,300	$13,397	$4,061,297
5	59	$20,697	$7,276	$13,421	$4,047,876
5	60	$20,697	$7,252	$13,445	$4,034,431
6	61	$20,697	$7,228	$13,469	$4,020,962
6	62	$20,697	$7,204	$13,493	$4,007,469
6	63	$20,697	$7,180	$13,517	$3,993,952
6	64	$20,697	$7,156	$13,542	$3,980,410
6	65	$20,697	$7,132	$13,566	$3,966,845
6	66	$20,697	$7,107	$13,590	$3,953,255
6	67	$20,697	$7,083	$13,614	$3,939,640
6	68	$20,697	$7,059	$13,639	$3,926,001
6	69	$20,697	$7,034	$13,663	$3,912,338
6	70	$20,697	$7,010	$13,688	$3,898,650
6	71	$20,697	$6,985	$13,712	$3,884,938
6	72	$20,697	$6,961	$13,737	$3,871,201
7	73	$20,697	$6,936	$13,761	$3,857,440
7	74	$20,697	$6,911	$13,786	$3,843,654
7	75	$20,697	$6,887	$13,811	$3,829,843
7	76	$20,697	$6,862	$13,836	$3,816,007
7	77	$20,697	$6,837	$13,860	$3,802,147
7	78	$20,697	$6,812	$13,885	$3,788,262
7	79	$20,697	$6,787	$13,910	$3,774,352
7	80	$20,697	$6,762	$13,935	$3,760,417
7	81	$20,697	$6,737	$13,960	$3,746,457
7	82	$20,697	$6,712	$13,985	$3,732,472
7	83	$20,697	$6,687	$14,010	$3,718,462
7	84	$20,697	$6,662	$14,035	$3,704,427
8	85	$20,697	$6,637	$14,060	$3,690,366
8	86	$20,697	$6,612	$14,085	$3,676,281
8	87	$20,697	$6,587	$14,111	$3,662,170
8	88	$20,697	$6,561	$14,136	$3,648,034
8	89	$20,697	$6,536	$14,161	$3,633,873
8	90	$20,697	$6,511	$14,187	$3,619,686
8	91	$20,697	$6,485	$14,212	$3,605,474
8	92	$20,697	$6,460	$14,238	$3,591,237
8	93	$20,697	$6,434	$14,263	$3,576,974
8	94	$20,697	$6,409	$14,289	$3,562,685
8	95	$20,697	$6,383	$14,314	$3,548,371
8	96	$20,697	$6,357	$14,340	$3,534,031
9	97	$20,697	$6,332	$14,366	$3,519,665
9	98	$20,697	$6,306	$14,391	$3,505,274
9	99	$20,697	$6,280	$14,417	$3,490,857
9	100	$20,697	$6,254	$14,443	$3,476,414
9	101	$20,697	$6,229	$14,469	$3,461,945
9	102	$20,697	$6,203	$14,495	$3,447,451
9	103	$20,697	$6,177	$14,521	$3,432,930
9	104	$20,697	$6,151	$14,547	$3,418,383
9	105	$20,697	$6,125	$14,573	$3,403,811
9	106	$20,697	$6,098	$14,599	$3,389,212
9	107	$20,697	$6,072	$14,625	$3,374,587
9	108	$20,697	$6,046	$14,651	$3,359,935
10	109	$20,697	$6,020	$14,677	$3,345,258
10	110	$20,697	$5,994	$14,704	$3,330,554
10	111	$20,697	$5,967	$14,730	$3,315,824
10	112	$20,697	$5,941	$14,757	$3,301,068
10	113	$20,697	$5,914	$14,783	$3,286,285
10	114	$20,697	$5,888	$14,809	$3,271,475
10	115	$20,697	$5,861	$14,836	$3,256,639
10	116	$20,697	$5,835	$14,863	$3,241,777
10	117	$20,697	$5,808	$14,889	$3,226,888
10	118	$20,697	$5,782	$14,916	$3,211,972
10	119	$20,697	$5,755	$14,943	$3,197,029
10	120	$20,697	$5,728	$14,969	$3,182,060
11	121	$20,697	$5,701	$14,996	$3,167,064
11	122	$20,697	$5,674	$15,023	$3,152,041
11	123	$20,697	$5,647	$15,050	$3,136,991
11	124	$20,697	$5,620	$15,077	$3,121,914
11	125	$20,697	$5,593	$15,104	$3,106,810
11	126	$20,697	$5,566	$15,131	$3,091,679
11	127	$20,697	$5,539	$15,158	$3,076,521
11	128	$20,697	$5,512	$15,185	$3,061,335
11	129	$20,697	$5,485	$15,212	$3,046,123
11	130	$20,697	$5,458	$15,240	$3,030,883
11	131	$20,697	$5,430	$15,267	$3,015,616
11	132	$20,697	$5,403	$15,294	$3,000,322
12	133	$20,697	$5,376	$15,322	$2,985,000
12	134	$20,697	$5,348	$15,349	$2,969,651
12	135	$20,697	$5,321	$15,377	$2,954,274
12	136	$20,697	$5,293	$15,404	$2,938,870
12	137	$20,697	$5,265	$15,432	$2,923,438
12	138	$20,697	$5,238	$15,460	$2,907,978
12	139	$20,697	$5,210	$15,487	$2,892,491
12	140	$20,697	$5,182	$15,515	$2,876,976
12	141	$20,697	$5,155	$15,543	$2,861,434
12	142	$20,697	$5,127	$15,571	$2,845,863
12	143	$20,697	$5,099	$15,599	$2,830,264
12	144	$20,697	$5,071	$15,626	$2,814,638
13	145	$20,697	$5,043	$15,654	$2,798,983
13	146	$20,697	$5,015	$15,683	$2,783,301
13	147	$20,697	$4,987	$15,711	$2,767,590
13	148	$20,697	$4,959	$15,739	$2,751,852
13	149	$20,697	$4,930	$15,767	$2,736,085
13	150	$20,697	$4,902	$15,795	$2,720,289
13	151	$20,697	$4,874	$15,824	$2,704,466
13	152	$20,697	$4,846	$15,852	$2,688,614
13	153	$20,697	$4,817	$15,880	$2,672,734
13	154	$20,697	$4,789	$15,909	$2,656,825
13	155	$20,697	$4,760	$15,937	$2,640,888
13	156	$20,697	$4,732	$15,966	$2,624,922
14	157	$20,697	$4,703	$15,994	$2,608,928
14	158	$20,697	$4,674	$16,023	$2,592,905
14	159	$20,697	$4,646	$16,052	$2,576,853
14	160	$20,697	$4,617	$16,080	$2,560,772
14	161	$20,697	$4,588	$16,109	$2,544,663
14	162	$20,697	$4,559	$16,138	$2,528,525
14	163	$20,697	$4,530	$16,167	$2,512,358
14	164	$20,697	$4,501	$16,196	$2,496,162
14	165	$20,697	$4,472	$16,225	$2,479,937
14	166	$20,697	$4,443	$16,254	$2,463,683
14	167	$20,697	$4,414	$16,283	$2,447,399
14	168	$20,697	$4,385	$16,312	$2,431,087
15	169	$20,697	$4,356	$16,342	$2,414,745
15	170	$20,697	$4,326	$16,371	$2,398,374
15	171	$20,697	$4,297	$16,400	$2,381,974
15	172	$20,697	$4,268	$16,430	$2,365,544
15	173	$20,697	$4,238	$16,459	$2,349,085
15	174	$20,697	$4,209	$16,489	$2,332,597
15	175	$20,697	$4,179	$16,518	$2,316,079
15	176	$20,697	$4,150	$16,548	$2,299,531
15	177	$20,697	$4,120	$16,577	$2,282,954
15	178	$20,697	$4,090	$16,607	$2,266,347
15	179	$20,697	$4,061	$16,637	$2,249,710
15	180	$20,697	$4,031	$16,667	$2,233,043
16	181	$20,697	$4,001	$16,696	$2,216,347
16	182	$20,697	$3,971	$16,726	$2,199,620
16	183	$20,697	$3,941	$16,756	$2,182,864
16	184	$20,697	$3,911	$16,786	$2,166,077
16	185	$20,697	$3,881	$16,816	$2,149,261
16	186	$20,697	$3,851	$16,847	$2,132,414
16	187	$20,697	$3,821	$16,877	$2,115,538
16	188	$20,697	$3,790	$16,907	$2,098,631
16	189	$20,697	$3,760	$16,937	$2,081,693
16	190	$20,697	$3,730	$16,968	$2,064,726
16	191	$20,697	$3,699	$16,998	$2,047,728
16	192	$20,697	$3,669	$17,029	$2,030,699
17	193	$20,697	$3,638	$17,059	$2,013,640
17	194	$20,697	$3,608	$17,090	$1,996,550
17	195	$20,697	$3,577	$17,120	$1,979,430
17	196	$20,697	$3,546	$17,151	$1,962,279
17	197	$20,697	$3,516	$17,182	$1,945,098
17	198	$20,697	$3,485	$17,212	$1,927,885
17	199	$20,697	$3,454	$17,243	$1,910,642
17	200	$20,697	$3,423	$17,274	$1,893,368
17	201	$20,697	$3,392	$17,305	$1,876,063
17	202	$20,697	$3,361	$17,336	$1,858,727
17	203	$20,697	$3,330	$17,367	$1,841,360
17	204	$20,697	$3,299	$17,398	$1,823,962
18	205	$20,697	$3,268	$17,429	$1,806,532
18	206	$20,697	$3,237	$17,461	$1,789,071
18	207	$20,697	$3,205	$17,492	$1,771,580
18	208	$20,697	$3,174	$17,523	$1,754,056
18	209	$20,697	$3,143	$17,555	$1,736,502
18	210	$20,697	$3,111	$17,586	$1,718,915
18	211	$20,697	$3,080	$17,618	$1,701,298
18	212	$20,697	$3,048	$17,649	$1,683,649
18	213	$20,697	$3,017	$17,681	$1,665,968
18	214	$20,697	$2,985	$17,712	$1,648,255
18	215	$20,697	$2,953	$17,744	$1,630,511
18	216	$20,697	$2,921	$17,776	$1,612,735
19	217	$20,697	$2,889	$17,808	$1,594,927
19	218	$20,697	$2,858	$17,840	$1,577,087
19	219	$20,697	$2,826	$17,872	$1,559,216
19	220	$20,697	$2,794	$17,904	$1,541,312
19	221	$20,697	$2,762	$17,936	$1,523,376
19	222	$20,697	$2,729	$17,968	$1,505,408
19	223	$20,697	$2,697	$18,000	$1,487,408
19	224	$20,697	$2,665	$18,032	$1,469,375
19	225	$20,697	$2,633	$18,065	$1,451,311
19	226	$20,697	$2,600	$18,097	$1,433,214
19	227	$20,697	$2,568	$18,130	$1,415,084
19	228	$20,697	$2,535	$18,162	$1,396,922
20	229	$20,697	$2,503	$18,195	$1,378,728
20	230	$20,697	$2,470	$18,227	$1,360,500
20	231	$20,697	$2,438	$18,260	$1,342,241
20	232	$20,697	$2,405	$18,293	$1,323,948
20	233	$20,697	$2,372	$18,325	$1,305,623
20	234	$20,697	$2,339	$18,358	$1,287,265
20	235	$20,697	$2,306	$18,391	$1,268,874
20	236	$20,697	$2,273	$18,424	$1,250,450
20	237	$20,697	$2,240	$18,457	$1,231,993
20	238	$20,697	$2,207	$18,490	$1,213,503
20	239	$20,697	$2,174	$18,523	$1,194,980
20	240	$20,697	$2,141	$18,556	$1,176,423
21	241	$20,697	$2,108	$18,590	$1,157,834
21	242	$20,697	$2,074	$18,623	$1,139,211
21	243	$20,697	$2,041	$18,656	$1,120,555
21	244	$20,697	$2,008	$18,690	$1,101,865
21	245	$20,697	$1,974	$18,723	$1,083,142
21	246	$20,697	$1,941	$18,757	$1,064,385
21	247	$20,697	$1,907	$18,790	$1,045,595
21	248	$20,697	$1,873	$18,824	$1,026,771
21	249	$20,697	$1,840	$18,858	$1,007,913
21	250	$20,697	$1,806	$18,892	$989,021
21	251	$20,697	$1,772	$18,925	$970,096
21	252	$20,697	$1,738	$18,959	$951,137
22	253	$20,697	$1,704	$18,993	$932,144
22	254	$20,697	$1,670	$19,027	$913,116
22	255	$20,697	$1,636	$19,061	$894,055
22	256	$20,697	$1,602	$19,096	$874,959
22	257	$20,697	$1,568	$19,130	$855,830
22	258	$20,697	$1,533	$19,164	$836,666
22	259	$20,697	$1,499	$19,198	$817,467
22	260	$20,697	$1,465	$19,233	$798,235
22	261	$20,697	$1,430	$19,267	$778,967
22	262	$20,697	$1,396	$19,302	$759,666
22	263	$20,697	$1,361	$19,336	$740,329
22	264	$20,697	$1,326	$19,371	$720,959
23	265	$20,697	$1,292	$19,406	$701,553
23	266	$20,697	$1,257	$19,440	$682,112
23	267	$20,697	$1,222	$19,475	$662,637
23	268	$20,697	$1,187	$19,510	$643,127
23	269	$20,697	$1,152	$19,545	$623,582
23	270	$20,697	$1,117	$19,580	$604,002
23	271	$20,697	$1,082	$19,615	$584,387
23	272	$20,697	$1,047	$19,650	$564,736
23	273	$20,697	$1,012	$19,686	$545,051
23	274	$20,697	$977	$19,721	$525,330
23	275	$20,697	$941	$19,756	$505,574
23	276	$20,697	$906	$19,792	$485,782
24	277	$20,697	$870	$19,827	$465,955
24	278	$20,697	$835	$19,863	$446,093
24	279	$20,697	$799	$19,898	$426,195
24	280	$20,697	$764	$19,934	$406,261
24	281	$20,697	$728	$19,969	$386,292
24	282	$20,697	$692	$20,005	$366,286
24	283	$20,697	$656	$20,041	$346,245
24	284	$20,697	$620	$20,077	$326,168
24	285	$20,697	$584	$20,113	$306,055
24	286	$20,697	$548	$20,149	$285,906
24	287	$20,697	$512	$20,185	$265,721
24	288	$20,697	$476	$20,221	$245,500
25	289	$20,697	$440	$20,258	$225,242
25	290	$20,697	$404	$20,294	$204,949
25	291	$20,697	$367	$20,330	$184,618
25	292	$20,697	$331	$20,367	$164,252
25	293	$20,697	$294	$20,403	$143,849
25	294	$20,697	$258	$20,440	$123,409
25	295	$20,697	$221	$20,476	$102,933
25	296	$20,697	$184	$20,513	$82,420
25	297	$20,697	$148	$20,550	$61,870
25	298	$20,697	$111	$20,587	$41,284
25	299	$20,697	$74	$20,623	$20,660
25	300	$20,697	$37	$20,660	$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$ 3,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,280,000

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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.