Century 21 Centaland Property

Down Payment (HKD)

$2,700,000

Monthly Repayment (HKD)

$17,463

Loan Amount (HKD)

$4,050,000

Total Interest (HKD)

$1,189,018

Total Repayment (HKD)

$5,239,018

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$17,463	$7,256	$10,207	$4,039,793
1	2	$17,463	$7,238	$10,225	$4,029,567
1	3	$17,463	$7,220	$10,244	$4,019,324
1	4	$17,463	$7,201	$10,262	$4,009,062
1	5	$17,463	$7,183	$10,280	$3,998,781
1	6	$17,463	$7,164	$10,299	$3,988,482
1	7	$17,463	$7,146	$10,317	$3,978,165
1	8	$17,463	$7,128	$10,336	$3,967,829
1	9	$17,463	$7,109	$10,354	$3,957,475
1	10	$17,463	$7,090	$10,373	$3,947,102
1	11	$17,463	$7,072	$10,392	$3,936,710
1	12	$17,463	$7,053	$10,410	$3,926,300
2	13	$17,463	$7,035	$10,429	$3,915,871
2	14	$17,463	$7,016	$10,447	$3,905,424
2	15	$17,463	$6,997	$10,466	$3,894,958
2	16	$17,463	$6,978	$10,485	$3,884,473
2	17	$17,463	$6,960	$10,504	$3,873,969
2	18	$17,463	$6,941	$10,523	$3,863,446
2	19	$17,463	$6,922	$10,541	$3,852,905
2	20	$17,463	$6,903	$10,560	$3,842,345
2	21	$17,463	$6,884	$10,579	$3,831,766
2	22	$17,463	$6,865	$10,598	$3,821,167
2	23	$17,463	$6,846	$10,617	$3,810,550
2	24	$17,463	$6,827	$10,636	$3,799,914
3	25	$17,463	$6,808	$10,655	$3,789,259
3	26	$17,463	$6,789	$10,674	$3,778,585
3	27	$17,463	$6,770	$10,693	$3,767,891
3	28	$17,463	$6,751	$10,713	$3,757,179
3	29	$17,463	$6,732	$10,732	$3,746,447
3	30	$17,463	$6,712	$10,751	$3,735,696
3	31	$17,463	$6,693	$10,770	$3,724,926
3	32	$17,463	$6,674	$10,790	$3,714,136
3	33	$17,463	$6,654	$10,809	$3,703,327
3	34	$17,463	$6,635	$10,828	$3,692,499
3	35	$17,463	$6,616	$10,848	$3,681,651
3	36	$17,463	$6,596	$10,867	$3,670,784
4	37	$17,463	$6,577	$10,887	$3,659,897
4	38	$17,463	$6,557	$10,906	$3,648,991
4	39	$17,463	$6,538	$10,926	$3,638,066
4	40	$17,463	$6,518	$10,945	$3,627,121
4	41	$17,463	$6,499	$10,965	$3,616,156
4	42	$17,463	$6,479	$10,984	$3,605,171
4	43	$17,463	$6,459	$11,004	$3,594,167
4	44	$17,463	$6,440	$11,024	$3,583,143
4	45	$17,463	$6,420	$11,044	$3,572,100
4	46	$17,463	$6,400	$11,063	$3,561,036
4	47	$17,463	$6,380	$11,083	$3,549,953
4	48	$17,463	$6,360	$11,103	$3,538,850
5	49	$17,463	$6,340	$11,123	$3,527,727
5	50	$17,463	$6,321	$11,143	$3,516,584
5	51	$17,463	$6,301	$11,163	$3,505,421
5	52	$17,463	$6,281	$11,183	$3,494,239
5	53	$17,463	$6,261	$11,203	$3,483,036
5	54	$17,463	$6,240	$11,223	$3,471,813
5	55	$17,463	$6,220	$11,243	$3,460,570
5	56	$17,463	$6,200	$11,263	$3,449,307
5	57	$17,463	$6,180	$11,283	$3,438,023
5	58	$17,463	$6,160	$11,304	$3,426,720
5	59	$17,463	$6,140	$11,324	$3,415,396
5	60	$17,463	$6,119	$11,344	$3,404,052
6	61	$17,463	$6,099	$11,364	$3,392,687
6	62	$17,463	$6,079	$11,385	$3,381,302
6	63	$17,463	$6,058	$11,405	$3,369,897
6	64	$17,463	$6,038	$11,426	$3,358,471
6	65	$17,463	$6,017	$11,446	$3,347,025
6	66	$17,463	$5,997	$11,467	$3,335,559
6	67	$17,463	$5,976	$11,487	$3,324,071
6	68	$17,463	$5,956	$11,508	$3,312,564
6	69	$17,463	$5,935	$11,528	$3,301,035
6	70	$17,463	$5,914	$11,549	$3,289,486
6	71	$17,463	$5,894	$11,570	$3,277,916
6	72	$17,463	$5,873	$11,590	$3,266,326
7	73	$17,463	$5,852	$11,611	$3,254,715
7	74	$17,463	$5,831	$11,632	$3,243,083
7	75	$17,463	$5,811	$11,653	$3,231,430
7	76	$17,463	$5,790	$11,674	$3,219,756
7	77	$17,463	$5,769	$11,695	$3,208,061
7	78	$17,463	$5,748	$11,716	$3,196,346
7	79	$17,463	$5,727	$11,737	$3,184,609
7	80	$17,463	$5,706	$11,758	$3,172,852
7	81	$17,463	$5,685	$11,779	$3,161,073
7	82	$17,463	$5,664	$11,800	$3,149,273
7	83	$17,463	$5,642	$11,821	$3,137,452
7	84	$17,463	$5,621	$11,842	$3,125,610
8	85	$17,463	$5,600	$11,863	$3,113,747
8	86	$17,463	$5,579	$11,885	$3,101,862
8	87	$17,463	$5,558	$11,906	$3,089,956
8	88	$17,463	$5,536	$11,927	$3,078,029
8	89	$17,463	$5,515	$11,949	$3,066,080
8	90	$17,463	$5,493	$11,970	$3,054,110
8	91	$17,463	$5,472	$11,991	$3,042,119
8	92	$17,463	$5,450	$12,013	$3,030,106
8	93	$17,463	$5,429	$12,034	$3,018,072
8	94	$17,463	$5,407	$12,056	$3,006,016
8	95	$17,463	$5,386	$12,078	$2,993,938
8	96	$17,463	$5,364	$12,099	$2,981,839
9	97	$17,463	$5,342	$12,121	$2,969,718
9	98	$17,463	$5,321	$12,143	$2,957,575
9	99	$17,463	$5,299	$12,164	$2,945,411
9	100	$17,463	$5,277	$12,186	$2,933,224
9	101	$17,463	$5,255	$12,208	$2,921,016
9	102	$17,463	$5,233	$12,230	$2,908,787
9	103	$17,463	$5,212	$12,252	$2,896,535
9	104	$17,463	$5,190	$12,274	$2,884,261
9	105	$17,463	$5,168	$12,296	$2,871,965
9	106	$17,463	$5,146	$12,318	$2,859,647
9	107	$17,463	$5,124	$12,340	$2,847,308
9	108	$17,463	$5,101	$12,362	$2,834,946
10	109	$17,463	$5,079	$12,384	$2,822,561
10	110	$17,463	$5,057	$12,406	$2,810,155
10	111	$17,463	$5,035	$12,429	$2,797,727
10	112	$17,463	$5,013	$12,451	$2,785,276
10	113	$17,463	$4,990	$12,473	$2,772,803
10	114	$17,463	$4,968	$12,495	$2,760,307
10	115	$17,463	$4,946	$12,518	$2,747,789
10	116	$17,463	$4,923	$12,540	$2,735,249
10	117	$17,463	$4,901	$12,563	$2,722,686
10	118	$17,463	$4,878	$12,585	$2,710,101
10	119	$17,463	$4,856	$12,608	$2,697,493
10	120	$17,463	$4,833	$12,630	$2,684,863
11	121	$17,463	$4,810	$12,653	$2,672,210
11	122	$17,463	$4,788	$12,676	$2,659,534
11	123	$17,463	$4,765	$12,698	$2,646,836
11	124	$17,463	$4,742	$12,721	$2,634,115
11	125	$17,463	$4,719	$12,744	$2,621,371
11	126	$17,463	$4,697	$12,767	$2,608,604
11	127	$17,463	$4,674	$12,790	$2,595,814
11	128	$17,463	$4,651	$12,813	$2,583,002
11	129	$17,463	$4,628	$12,836	$2,570,166
11	130	$17,463	$4,605	$12,859	$2,557,308
11	131	$17,463	$4,582	$12,882	$2,544,426
11	132	$17,463	$4,559	$12,905	$2,531,522
12	133	$17,463	$4,536	$12,928	$2,518,594
12	134	$17,463	$4,512	$12,951	$2,505,643
12	135	$17,463	$4,489	$12,974	$2,492,669
12	136	$17,463	$4,466	$12,997	$2,479,671
12	137	$17,463	$4,443	$13,021	$2,466,651
12	138	$17,463	$4,419	$13,044	$2,453,607
12	139	$17,463	$4,396	$13,067	$2,440,539
12	140	$17,463	$4,373	$13,091	$2,427,449
12	141	$17,463	$4,349	$13,114	$2,414,335
12	142	$17,463	$4,326	$13,138	$2,401,197
12	143	$17,463	$4,302	$13,161	$2,388,036
12	144	$17,463	$4,279	$13,185	$2,374,851
13	145	$17,463	$4,255	$13,208	$2,361,642
13	146	$17,463	$4,231	$13,232	$2,348,410
13	147	$17,463	$4,208	$13,256	$2,335,154
13	148	$17,463	$4,184	$13,280	$2,321,875
13	149	$17,463	$4,160	$13,303	$2,308,571
13	150	$17,463	$4,136	$13,327	$2,295,244
13	151	$17,463	$4,112	$13,351	$2,281,893
13	152	$17,463	$4,088	$13,375	$2,268,518
13	153	$17,463	$4,064	$13,399	$2,255,119
13	154	$17,463	$4,040	$13,423	$2,241,696
13	155	$17,463	$4,016	$13,447	$2,228,249
13	156	$17,463	$3,992	$13,471	$2,214,778
14	157	$17,463	$3,968	$13,495	$2,201,283
14	158	$17,463	$3,944	$13,519	$2,187,763
14	159	$17,463	$3,920	$13,544	$2,174,220
14	160	$17,463	$3,895	$13,568	$2,160,652
14	161	$17,463	$3,871	$13,592	$2,147,060
14	162	$17,463	$3,847	$13,617	$2,133,443
14	163	$17,463	$3,822	$13,641	$2,119,802
14	164	$17,463	$3,798	$13,665	$2,106,137
14	165	$17,463	$3,773	$13,690	$2,092,447
14	166	$17,463	$3,749	$13,714	$2,078,732
14	167	$17,463	$3,724	$13,739	$2,064,993
14	168	$17,463	$3,700	$13,764	$2,051,230
15	169	$17,463	$3,675	$13,788	$2,037,441
15	170	$17,463	$3,650	$13,813	$2,023,628
15	171	$17,463	$3,626	$13,838	$2,009,791
15	172	$17,463	$3,601	$13,863	$1,995,928
15	173	$17,463	$3,576	$13,887	$1,982,041
15	174	$17,463	$3,551	$13,912	$1,968,129
15	175	$17,463	$3,526	$13,937	$1,954,191
15	176	$17,463	$3,501	$13,962	$1,940,229
15	177	$17,463	$3,476	$13,987	$1,926,242
15	178	$17,463	$3,451	$14,012	$1,912,230
15	179	$17,463	$3,426	$14,037	$1,898,193
15	180	$17,463	$3,401	$14,062	$1,884,130
16	181	$17,463	$3,376	$14,088	$1,870,042
16	182	$17,463	$3,350	$14,113	$1,855,930
16	183	$17,463	$3,325	$14,138	$1,841,791
16	184	$17,463	$3,300	$14,164	$1,827,628
16	185	$17,463	$3,274	$14,189	$1,813,439
16	186	$17,463	$3,249	$14,214	$1,799,225
16	187	$17,463	$3,224	$14,240	$1,784,985
16	188	$17,463	$3,198	$14,265	$1,770,720
16	189	$17,463	$3,173	$14,291	$1,756,429
16	190	$17,463	$3,147	$14,316	$1,742,112
16	191	$17,463	$3,121	$14,342	$1,727,770
16	192	$17,463	$3,096	$14,368	$1,713,402
17	193	$17,463	$3,070	$14,394	$1,699,009
17	194	$17,463	$3,044	$14,419	$1,684,589
17	195	$17,463	$3,018	$14,445	$1,670,144
17	196	$17,463	$2,992	$14,471	$1,655,673
17	197	$17,463	$2,966	$14,497	$1,641,176
17	198	$17,463	$2,940	$14,523	$1,626,653
17	199	$17,463	$2,914	$14,549	$1,612,104
17	200	$17,463	$2,888	$14,575	$1,597,529
17	201	$17,463	$2,862	$14,601	$1,582,928
17	202	$17,463	$2,836	$14,627	$1,568,301
17	203	$17,463	$2,810	$14,654	$1,553,647
17	204	$17,463	$2,784	$14,680	$1,538,968
18	205	$17,463	$2,757	$14,706	$1,524,261
18	206	$17,463	$2,731	$14,732	$1,509,529
18	207	$17,463	$2,705	$14,759	$1,494,770
18	208	$17,463	$2,678	$14,785	$1,479,985
18	209	$17,463	$2,652	$14,812	$1,465,173
18	210	$17,463	$2,625	$14,838	$1,450,335
18	211	$17,463	$2,599	$14,865	$1,435,470
18	212	$17,463	$2,572	$14,892	$1,420,579
18	213	$17,463	$2,545	$14,918	$1,405,660
18	214	$17,463	$2,518	$14,945	$1,390,715
18	215	$17,463	$2,492	$14,972	$1,375,744
18	216	$17,463	$2,465	$14,999	$1,360,745
19	217	$17,463	$2,438	$15,025	$1,345,720
19	218	$17,463	$2,411	$15,052	$1,330,667
19	219	$17,463	$2,384	$15,079	$1,315,588
19	220	$17,463	$2,357	$15,106	$1,300,482
19	221	$17,463	$2,330	$15,133	$1,285,349
19	222	$17,463	$2,303	$15,160	$1,270,188
19	223	$17,463	$2,276	$15,188	$1,255,000
19	224	$17,463	$2,249	$15,215	$1,239,786
19	225	$17,463	$2,221	$15,242	$1,224,543
19	226	$17,463	$2,194	$15,269	$1,209,274
19	227	$17,463	$2,167	$15,297	$1,193,977
19	228	$17,463	$2,139	$15,324	$1,178,653
20	229	$17,463	$2,112	$15,352	$1,163,301
20	230	$17,463	$2,084	$15,379	$1,147,922
20	231	$17,463	$2,057	$15,407	$1,132,516
20	232	$17,463	$2,029	$15,434	$1,117,081
20	233	$17,463	$2,001	$15,462	$1,101,619
20	234	$17,463	$1,974	$15,490	$1,086,130
20	235	$17,463	$1,946	$15,517	$1,070,612
20	236	$17,463	$1,918	$15,545	$1,055,067
20	237	$17,463	$1,890	$15,573	$1,039,494
20	238	$17,463	$1,862	$15,601	$1,023,893
20	239	$17,463	$1,834	$15,629	$1,008,264
20	240	$17,463	$1,806	$15,657	$992,607
21	241	$17,463	$1,778	$15,685	$976,922
21	242	$17,463	$1,750	$15,713	$961,209
21	243	$17,463	$1,722	$15,741	$945,468
21	244	$17,463	$1,694	$15,769	$929,698
21	245	$17,463	$1,666	$15,798	$913,901
21	246	$17,463	$1,637	$15,826	$898,075
21	247	$17,463	$1,609	$15,854	$882,220
21	248	$17,463	$1,581	$15,883	$866,338
21	249	$17,463	$1,552	$15,911	$850,427
21	250	$17,463	$1,524	$15,940	$834,487
21	251	$17,463	$1,495	$15,968	$818,519
21	252	$17,463	$1,467	$15,997	$802,522
22	253	$17,463	$1,438	$16,026	$786,496
22	254	$17,463	$1,409	$16,054	$770,442
22	255	$17,463	$1,380	$16,083	$754,359
22	256	$17,463	$1,352	$16,112	$738,247
22	257	$17,463	$1,323	$16,141	$722,106
22	258	$17,463	$1,294	$16,170	$705,937
22	259	$17,463	$1,265	$16,199	$689,738
22	260	$17,463	$1,236	$16,228	$673,510
22	261	$17,463	$1,207	$16,257	$657,254
22	262	$17,463	$1,178	$16,286	$640,968
22	263	$17,463	$1,148	$16,315	$624,653
22	264	$17,463	$1,119	$16,344	$608,309
23	265	$17,463	$1,090	$16,374	$591,935
23	266	$17,463	$1,061	$16,403	$575,532
23	267	$17,463	$1,031	$16,432	$559,100
23	268	$17,463	$1,002	$16,462	$542,638
23	269	$17,463	$972	$16,491	$526,147
23	270	$17,463	$943	$16,521	$509,627
23	271	$17,463	$913	$16,550	$493,076
23	272	$17,463	$883	$16,580	$476,496
23	273	$17,463	$854	$16,610	$459,887
23	274	$17,463	$824	$16,639	$443,247
23	275	$17,463	$794	$16,669	$426,578
23	276	$17,463	$764	$16,699	$409,879
24	277	$17,463	$734	$16,729	$393,150
24	278	$17,463	$704	$16,759	$376,391
24	279	$17,463	$674	$16,789	$359,602
24	280	$17,463	$644	$16,819	$342,783
24	281	$17,463	$614	$16,849	$325,933
24	282	$17,463	$584	$16,879	$309,054
24	283	$17,463	$554	$16,910	$292,144
24	284	$17,463	$523	$16,940	$275,204
24	285	$17,463	$493	$16,970	$258,234
24	286	$17,463	$463	$17,001	$241,233
24	287	$17,463	$432	$17,031	$224,202
24	288	$17,463	$402	$17,062	$207,140
25	289	$17,463	$371	$17,092	$190,048
25	290	$17,463	$341	$17,123	$172,925
25	291	$17,463	$310	$17,154	$155,772
25	292	$17,463	$279	$17,184	$138,587
25	293	$17,463	$248	$17,215	$121,372
25	294	$17,463	$217	$17,246	$104,126
25	295	$17,463	$187	$17,277	$86,850
25	296	$17,463	$156	$17,308	$69,542
25	297	$17,463	$125	$17,339	$52,203
25	298	$17,463	$94	$17,370	$34,833
25	299	$17,463	$62	$17,401	$17,432
25	300	$17,463	$31	$17,432	$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$ 2,700,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,767,500

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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.