Century 21 Centaland Property

Down Payment (HKD)

$3,900,000

Monthly Repayment (HKD)

$25,225

Loan Amount (HKD)

$5,850,000

Total Interest (HKD)

$1,717,471

Total Repayment (HKD)

$7,567,471

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$25,225	$10,481	$14,744	$5,835,256
1	2	$25,225	$10,455	$14,770	$5,820,486
1	3	$25,225	$10,428	$14,797	$5,805,690
1	4	$25,225	$10,402	$14,823	$5,790,867
1	5	$25,225	$10,375	$14,850	$5,776,017
1	6	$25,225	$10,349	$14,876	$5,761,141
1	7	$25,225	$10,322	$14,903	$5,746,238
1	8	$25,225	$10,295	$14,930	$5,731,308
1	9	$25,225	$10,269	$14,956	$5,716,352
1	10	$25,225	$10,242	$14,983	$5,701,369
1	11	$25,225	$10,215	$15,010	$5,686,359
1	12	$25,225	$10,188	$15,037	$5,671,322
2	13	$25,225	$10,161	$15,064	$5,656,259
2	14	$25,225	$10,134	$15,091	$5,641,168
2	15	$25,225	$10,107	$15,118	$5,626,050
2	16	$25,225	$10,080	$15,145	$5,610,905
2	17	$25,225	$10,053	$15,172	$5,595,733
2	18	$25,225	$10,026	$15,199	$5,580,534
2	19	$25,225	$9,998	$15,226	$5,565,307
2	20	$25,225	$9,971	$15,254	$5,550,054
2	21	$25,225	$9,944	$15,281	$5,534,773
2	22	$25,225	$9,916	$15,308	$5,519,464
2	23	$25,225	$9,889	$15,336	$5,504,128
2	24	$25,225	$9,862	$15,363	$5,488,765
3	25	$25,225	$9,834	$15,391	$5,473,374
3	26	$25,225	$9,806	$15,418	$5,457,956
3	27	$25,225	$9,779	$15,446	$5,442,510
3	28	$25,225	$9,751	$15,474	$5,427,036
3	29	$25,225	$9,723	$15,501	$5,411,534
3	30	$25,225	$9,696	$15,529	$5,396,005
3	31	$25,225	$9,668	$15,557	$5,380,448
3	32	$25,225	$9,640	$15,585	$5,364,863
3	33	$25,225	$9,612	$15,613	$5,349,250
3	34	$25,225	$9,584	$15,641	$5,333,609
3	35	$25,225	$9,556	$15,669	$5,317,941
3	36	$25,225	$9,528	$15,697	$5,302,244
4	37	$25,225	$9,500	$15,725	$5,286,519
4	38	$25,225	$9,472	$15,753	$5,270,765
4	39	$25,225	$9,443	$15,781	$5,254,984
4	40	$25,225	$9,415	$15,810	$5,239,174
4	41	$25,225	$9,387	$15,838	$5,223,336
4	42	$25,225	$9,358	$15,866	$5,207,470
4	43	$25,225	$9,330	$15,895	$5,191,575
4	44	$25,225	$9,302	$15,923	$5,175,652
4	45	$25,225	$9,273	$15,952	$5,159,700
4	46	$25,225	$9,244	$15,980	$5,143,719
4	47	$25,225	$9,216	$16,009	$5,127,710
4	48	$25,225	$9,187	$16,038	$5,111,672
5	49	$25,225	$9,158	$16,066	$5,095,606
5	50	$25,225	$9,130	$16,095	$5,079,511
5	51	$25,225	$9,101	$16,124	$5,063,387
5	52	$25,225	$9,072	$16,153	$5,047,234
5	53	$25,225	$9,043	$16,182	$5,031,052
5	54	$25,225	$9,014	$16,211	$5,014,841
5	55	$25,225	$8,985	$16,240	$4,998,601
5	56	$25,225	$8,956	$16,269	$4,982,332
5	57	$25,225	$8,927	$16,298	$4,966,033
5	58	$25,225	$8,897	$16,327	$4,949,706
5	59	$25,225	$8,868	$16,357	$4,933,349
5	60	$25,225	$8,839	$16,386	$4,916,963
6	61	$25,225	$8,810	$16,415	$4,900,548
6	62	$25,225	$8,780	$16,445	$4,884,103
6	63	$25,225	$8,751	$16,474	$4,867,629
6	64	$25,225	$8,721	$16,504	$4,851,125
6	65	$25,225	$8,692	$16,533	$4,834,592
6	66	$25,225	$8,662	$16,563	$4,818,029
6	67	$25,225	$8,632	$16,593	$4,801,436
6	68	$25,225	$8,603	$16,622	$4,784,814
6	69	$25,225	$8,573	$16,652	$4,768,162
6	70	$25,225	$8,543	$16,682	$4,751,480
6	71	$25,225	$8,513	$16,712	$4,734,768
6	72	$25,225	$8,483	$16,742	$4,718,026
7	73	$25,225	$8,453	$16,772	$4,701,255
7	74	$25,225	$8,423	$16,802	$4,684,453
7	75	$25,225	$8,393	$16,832	$4,667,621
7	76	$25,225	$8,363	$16,862	$4,650,759
7	77	$25,225	$8,333	$16,892	$4,633,867
7	78	$25,225	$8,302	$16,923	$4,616,944
7	79	$25,225	$8,272	$16,953	$4,599,991
7	80	$25,225	$8,242	$16,983	$4,583,008
7	81	$25,225	$8,211	$17,014	$4,565,994
7	82	$25,225	$8,181	$17,044	$4,548,950
7	83	$25,225	$8,150	$17,075	$4,531,875
7	84	$25,225	$8,120	$17,105	$4,514,770
8	85	$25,225	$8,089	$17,136	$4,497,634
8	86	$25,225	$8,058	$17,167	$4,480,467
8	87	$25,225	$8,028	$17,197	$4,463,270
8	88	$25,225	$7,997	$17,228	$4,446,042
8	89	$25,225	$7,966	$17,259	$4,428,783
8	90	$25,225	$7,935	$17,290	$4,411,493
8	91	$25,225	$7,904	$17,321	$4,394,172
8	92	$25,225	$7,873	$17,352	$4,376,820
8	93	$25,225	$7,842	$17,383	$4,359,437
8	94	$25,225	$7,811	$17,414	$4,342,022
8	95	$25,225	$7,779	$17,445	$4,324,577
8	96	$25,225	$7,748	$17,477	$4,307,100
9	97	$25,225	$7,717	$17,508	$4,289,592
9	98	$25,225	$7,686	$17,539	$4,272,053
9	99	$25,225	$7,654	$17,571	$4,254,482
9	100	$25,225	$7,623	$17,602	$4,236,880
9	101	$25,225	$7,591	$17,634	$4,219,246
9	102	$25,225	$7,559	$17,665	$4,201,581
9	103	$25,225	$7,528	$17,697	$4,183,883
9	104	$25,225	$7,496	$17,729	$4,166,155
9	105	$25,225	$7,464	$17,761	$4,148,394
9	106	$25,225	$7,433	$17,792	$4,130,602
9	107	$25,225	$7,401	$17,824	$4,112,778
9	108	$25,225	$7,369	$17,856	$4,094,921
10	109	$25,225	$7,337	$17,888	$4,077,033
10	110	$25,225	$7,305	$17,920	$4,059,113
10	111	$25,225	$7,273	$17,952	$4,041,161
10	112	$25,225	$7,240	$17,984	$4,023,176
10	113	$25,225	$7,208	$18,017	$4,005,159
10	114	$25,225	$7,176	$18,049	$3,987,110
10	115	$25,225	$7,144	$18,081	$3,969,029
10	116	$25,225	$7,111	$18,114	$3,950,915
10	117	$25,225	$7,079	$18,146	$3,932,769
10	118	$25,225	$7,046	$18,179	$3,914,591
10	119	$25,225	$7,014	$18,211	$3,896,379
10	120	$25,225	$6,981	$18,244	$3,878,135
11	121	$25,225	$6,948	$18,277	$3,859,859
11	122	$25,225	$6,916	$18,309	$3,841,550
11	123	$25,225	$6,883	$18,342	$3,823,207
11	124	$25,225	$6,850	$18,375	$3,804,832
11	125	$25,225	$6,817	$18,408	$3,786,424
11	126	$25,225	$6,784	$18,441	$3,767,984
11	127	$25,225	$6,751	$18,474	$3,749,510
11	128	$25,225	$6,718	$18,507	$3,731,003
11	129	$25,225	$6,685	$18,540	$3,712,462
11	130	$25,225	$6,651	$18,573	$3,693,889
11	131	$25,225	$6,618	$18,607	$3,675,282
11	132	$25,225	$6,585	$18,640	$3,656,642
12	133	$25,225	$6,551	$18,673	$3,637,969
12	134	$25,225	$6,518	$18,707	$3,619,262
12	135	$25,225	$6,485	$18,740	$3,600,522
12	136	$25,225	$6,451	$18,774	$3,581,748
12	137	$25,225	$6,417	$18,808	$3,562,940
12	138	$25,225	$6,384	$18,841	$3,544,099
12	139	$25,225	$6,350	$18,875	$3,525,224
12	140	$25,225	$6,316	$18,909	$3,506,315
12	141	$25,225	$6,282	$18,943	$3,487,372
12	142	$25,225	$6,248	$18,977	$3,468,395
12	143	$25,225	$6,214	$19,011	$3,449,385
12	144	$25,225	$6,180	$19,045	$3,430,340
13	145	$25,225	$6,146	$19,079	$3,411,261
13	146	$25,225	$6,112	$19,113	$3,392,148
13	147	$25,225	$6,078	$19,147	$3,373,001
13	148	$25,225	$6,043	$19,182	$3,353,819
13	149	$25,225	$6,009	$19,216	$3,334,603
13	150	$25,225	$5,974	$19,250	$3,315,353
13	151	$25,225	$5,940	$19,285	$3,296,068
13	152	$25,225	$5,905	$19,319	$3,276,748
13	153	$25,225	$5,871	$19,354	$3,257,394
13	154	$25,225	$5,836	$19,389	$3,238,006
13	155	$25,225	$5,801	$19,423	$3,218,582
13	156	$25,225	$5,767	$19,458	$3,199,124
14	157	$25,225	$5,732	$19,493	$3,179,631
14	158	$25,225	$5,697	$19,528	$3,160,103
14	159	$25,225	$5,662	$19,563	$3,140,540
14	160	$25,225	$5,627	$19,598	$3,120,941
14	161	$25,225	$5,592	$19,633	$3,101,308
14	162	$25,225	$5,557	$19,668	$3,081,640
14	163	$25,225	$5,521	$19,704	$3,061,936
14	164	$25,225	$5,486	$19,739	$3,042,197
14	165	$25,225	$5,451	$19,774	$3,022,423
14	166	$25,225	$5,415	$19,810	$3,002,613
14	167	$25,225	$5,380	$19,845	$2,982,768
14	168	$25,225	$5,344	$19,881	$2,962,887
15	169	$25,225	$5,309	$19,916	$2,942,971
15	170	$25,225	$5,273	$19,952	$2,923,019
15	171	$25,225	$5,237	$19,988	$2,903,031
15	172	$25,225	$5,201	$20,024	$2,883,007
15	173	$25,225	$5,165	$20,060	$2,862,948
15	174	$25,225	$5,129	$20,095	$2,842,852
15	175	$25,225	$5,093	$20,131	$2,822,721
15	176	$25,225	$5,057	$20,168	$2,802,553
15	177	$25,225	$5,021	$20,204	$2,782,350
15	178	$25,225	$4,985	$20,240	$2,762,110
15	179	$25,225	$4,949	$20,276	$2,741,834
15	180	$25,225	$4,912	$20,312	$2,721,521
16	181	$25,225	$4,876	$20,349	$2,701,172
16	182	$25,225	$4,840	$20,385	$2,680,787
16	183	$25,225	$4,803	$20,422	$2,660,365
16	184	$25,225	$4,766	$20,458	$2,639,907
16	185	$25,225	$4,730	$20,495	$2,619,412
16	186	$25,225	$4,693	$20,532	$2,598,880
16	187	$25,225	$4,656	$20,569	$2,578,311
16	188	$25,225	$4,619	$20,605	$2,557,706
16	189	$25,225	$4,583	$20,642	$2,537,064
16	190	$25,225	$4,546	$20,679	$2,516,384
16	191	$25,225	$4,509	$20,716	$2,495,668
16	192	$25,225	$4,471	$20,753	$2,474,915
17	193	$25,225	$4,434	$20,791	$2,454,124
17	194	$25,225	$4,397	$20,828	$2,433,296
17	195	$25,225	$4,360	$20,865	$2,412,431
17	196	$25,225	$4,322	$20,903	$2,391,528
17	197	$25,225	$4,285	$20,940	$2,370,588
17	198	$25,225	$4,247	$20,978	$2,349,610
17	199	$25,225	$4,210	$21,015	$2,328,595
17	200	$25,225	$4,172	$21,053	$2,307,542
17	201	$25,225	$4,134	$21,091	$2,286,452
17	202	$25,225	$4,097	$21,128	$2,265,323
17	203	$25,225	$4,059	$21,166	$2,244,157
17	204	$25,225	$4,021	$21,204	$2,222,953
18	205	$25,225	$3,983	$21,242	$2,201,711
18	206	$25,225	$3,945	$21,280	$2,180,431
18	207	$25,225	$3,907	$21,318	$2,159,113
18	208	$25,225	$3,868	$21,356	$2,137,756
18	209	$25,225	$3,830	$21,395	$2,116,361
18	210	$25,225	$3,792	$21,433	$2,094,928
18	211	$25,225	$3,753	$21,471	$2,073,457
18	212	$25,225	$3,715	$21,510	$2,051,947
18	213	$25,225	$3,676	$21,548	$2,030,398
18	214	$25,225	$3,638	$21,587	$2,008,811
18	215	$25,225	$3,599	$21,626	$1,987,185
18	216	$25,225	$3,560	$21,665	$1,965,521
19	217	$25,225	$3,522	$21,703	$1,943,817
19	218	$25,225	$3,483	$21,742	$1,922,075
19	219	$25,225	$3,444	$21,781	$1,900,294
19	220	$25,225	$3,405	$21,820	$1,878,474
19	221	$25,225	$3,366	$21,859	$1,856,615
19	222	$25,225	$3,326	$21,898	$1,834,716
19	223	$25,225	$3,287	$21,938	$1,812,778
19	224	$25,225	$3,248	$21,977	$1,790,801
19	225	$25,225	$3,209	$22,016	$1,768,785
19	226	$25,225	$3,169	$22,056	$1,746,729
19	227	$25,225	$3,130	$22,095	$1,724,634
19	228	$25,225	$3,090	$22,135	$1,702,499
20	229	$25,225	$3,050	$22,175	$1,680,324
20	230	$25,225	$3,011	$22,214	$1,658,110
20	231	$25,225	$2,971	$22,254	$1,635,856
20	232	$25,225	$2,931	$22,294	$1,613,562
20	233	$25,225	$2,891	$22,334	$1,591,228
20	234	$25,225	$2,851	$22,374	$1,568,854
20	235	$25,225	$2,811	$22,414	$1,546,440
20	236	$25,225	$2,771	$22,454	$1,523,986
20	237	$25,225	$2,730	$22,494	$1,501,491
20	238	$25,225	$2,690	$22,535	$1,478,957
20	239	$25,225	$2,650	$22,575	$1,456,381
20	240	$25,225	$2,609	$22,616	$1,433,766
21	241	$25,225	$2,569	$22,656	$1,411,110
21	242	$25,225	$2,528	$22,697	$1,388,413
21	243	$25,225	$2,488	$22,737	$1,365,676
21	244	$25,225	$2,447	$22,778	$1,342,898
21	245	$25,225	$2,406	$22,819	$1,320,079
21	246	$25,225	$2,365	$22,860	$1,297,219
21	247	$25,225	$2,324	$22,901	$1,274,318
21	248	$25,225	$2,283	$22,942	$1,251,377
21	249	$25,225	$2,242	$22,983	$1,228,394
21	250	$25,225	$2,201	$23,024	$1,205,370
21	251	$25,225	$2,160	$23,065	$1,182,305
21	252	$25,225	$2,118	$23,107	$1,159,198
22	253	$25,225	$2,077	$23,148	$1,136,050
22	254	$25,225	$2,035	$23,189	$1,112,860
22	255	$25,225	$1,994	$23,231	$1,089,629
22	256	$25,225	$1,952	$23,273	$1,066,357
22	257	$25,225	$1,911	$23,314	$1,043,042
22	258	$25,225	$1,869	$23,356	$1,019,686
22	259	$25,225	$1,827	$23,398	$996,288
22	260	$25,225	$1,785	$23,440	$972,848
22	261	$25,225	$1,743	$23,482	$949,367
22	262	$25,225	$1,701	$23,524	$925,843
22	263	$25,225	$1,659	$23,566	$902,277
22	264	$25,225	$1,617	$23,608	$878,668
23	265	$25,225	$1,574	$23,651	$855,018
23	266	$25,225	$1,532	$23,693	$831,325
23	267	$25,225	$1,489	$23,735	$807,589
23	268	$25,225	$1,447	$23,778	$783,811
23	269	$25,225	$1,404	$23,821	$759,991
23	270	$25,225	$1,362	$23,863	$736,127
23	271	$25,225	$1,319	$23,906	$712,221
23	272	$25,225	$1,276	$23,949	$688,272
23	273	$25,225	$1,233	$23,992	$664,281
23	274	$25,225	$1,190	$24,035	$640,246
23	275	$25,225	$1,147	$24,078	$616,168
23	276	$25,225	$1,104	$24,121	$592,047
24	277	$25,225	$1,061	$24,164	$567,883
24	278	$25,225	$1,017	$24,207	$543,676
24	279	$25,225	$974	$24,251	$519,425
24	280	$25,225	$931	$24,294	$495,131
24	281	$25,225	$887	$24,338	$470,793
24	282	$25,225	$844	$24,381	$446,411
24	283	$25,225	$800	$24,425	$421,986
24	284	$25,225	$756	$24,469	$397,517
24	285	$25,225	$712	$24,513	$373,005
24	286	$25,225	$668	$24,557	$348,448
24	287	$25,225	$624	$24,601	$323,848
24	288	$25,225	$580	$24,645	$299,203
25	289	$25,225	$536	$24,689	$274,514
25	290	$25,225	$492	$24,733	$249,781
25	291	$25,225	$448	$24,777	$225,004
25	292	$25,225	$403	$24,822	$200,182
25	293	$25,225	$359	$24,866	$175,316
25	294	$25,225	$314	$24,911	$150,405
25	295	$25,225	$269	$24,955	$125,449
25	296	$25,225	$225	$25,000	$100,449
25	297	$25,225	$180	$25,045	$75,404
25	298	$25,225	$135	$25,090	$50,315
25	299	$25,225	$90	$25,135	$25,180
25	300	$25,225	$45	$25,180	$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$ 3,900,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,997,500

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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.