Century 21 Centaland Property

Down Payment (HKD)

$8,376,000

Monthly Repayment (HKD)

$54,175

Loan Amount (HKD)

$12,564,000

Total Interest (HKD)

$3,688,598

Total Repayment (HKD)

$16,252,598

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$54,175	$22,511	$31,665	$12,532,335
1	2	$54,175	$22,454	$31,722	$12,500,614
1	3	$54,175	$22,397	$31,778	$12,468,835
1	4	$54,175	$22,340	$31,835	$12,437,000
1	5	$54,175	$22,283	$31,892	$12,405,108
1	6	$54,175	$22,226	$31,950	$12,373,158
1	7	$54,175	$22,169	$32,007	$12,341,151
1	8	$54,175	$22,111	$32,064	$12,309,087
1	9	$54,175	$22,054	$32,122	$12,276,966
1	10	$54,175	$21,996	$32,179	$12,244,787
1	11	$54,175	$21,939	$32,237	$12,212,550
1	12	$54,175	$21,881	$32,295	$12,180,255
2	13	$54,175	$21,823	$32,352	$12,147,903
2	14	$54,175	$21,765	$32,410	$12,115,493
2	15	$54,175	$21,707	$32,468	$12,083,024
2	16	$54,175	$21,649	$32,527	$12,050,498
2	17	$54,175	$21,590	$32,585	$12,017,913
2	18	$54,175	$21,532	$32,643	$11,985,269
2	19	$54,175	$21,474	$32,702	$11,952,568
2	20	$54,175	$21,415	$32,760	$11,919,807
2	21	$54,175	$21,356	$32,819	$11,886,988
2	22	$54,175	$21,298	$32,878	$11,854,111
2	23	$54,175	$21,239	$32,937	$11,821,174
2	24	$54,175	$21,180	$32,996	$11,788,178
3	25	$54,175	$21,120	$33,055	$11,755,123
3	26	$54,175	$21,061	$33,114	$11,722,009
3	27	$54,175	$21,002	$33,173	$11,688,836
3	28	$54,175	$20,942	$33,233	$11,655,603
3	29	$54,175	$20,883	$33,292	$11,622,311
3	30	$54,175	$20,823	$33,352	$11,588,959
3	31	$54,175	$20,764	$33,412	$11,555,547
3	32	$54,175	$20,704	$33,472	$11,522,075
3	33	$54,175	$20,644	$33,532	$11,488,544
3	34	$54,175	$20,584	$33,592	$11,454,952
3	35	$54,175	$20,523	$33,652	$11,421,300
3	36	$54,175	$20,463	$33,712	$11,387,588
4	37	$54,175	$20,403	$33,773	$11,353,815
4	38	$54,175	$20,342	$33,833	$11,319,982
4	39	$54,175	$20,282	$33,894	$11,286,089
4	40	$54,175	$20,221	$33,954	$11,252,134
4	41	$54,175	$20,160	$34,015	$11,218,119
4	42	$54,175	$20,099	$34,076	$11,184,043
4	43	$54,175	$20,038	$34,137	$11,149,905
4	44	$54,175	$19,977	$34,198	$11,115,707
4	45	$54,175	$19,916	$34,260	$11,081,447
4	46	$54,175	$19,854	$34,321	$11,047,126
4	47	$54,175	$19,793	$34,383	$11,012,744
4	48	$54,175	$19,731	$34,444	$10,978,300
5	49	$54,175	$19,669	$34,506	$10,943,794
5	50	$54,175	$19,608	$34,568	$10,909,226
5	51	$54,175	$19,546	$34,630	$10,874,596
5	52	$54,175	$19,484	$34,692	$10,839,905
5	53	$54,175	$19,421	$34,754	$10,805,151
5	54	$54,175	$19,359	$34,816	$10,770,335
5	55	$54,175	$19,297	$34,878	$10,735,456
5	56	$54,175	$19,234	$34,941	$10,700,515
5	57	$54,175	$19,172	$35,004	$10,665,512
5	58	$54,175	$19,109	$35,066	$10,630,445
5	59	$54,175	$19,046	$35,129	$10,595,316
5	60	$54,175	$18,983	$35,192	$10,560,124
6	61	$54,175	$18,920	$35,255	$10,524,869
6	62	$54,175	$18,857	$35,318	$10,489,551
6	63	$54,175	$18,794	$35,382	$10,454,169
6	64	$54,175	$18,730	$35,445	$10,418,724
6	65	$54,175	$18,667	$35,508	$10,383,216
6	66	$54,175	$18,603	$35,572	$10,347,644
6	67	$54,175	$18,540	$35,636	$10,312,008
6	68	$54,175	$18,476	$35,700	$10,276,308
6	69	$54,175	$18,412	$35,764	$10,240,545
6	70	$54,175	$18,348	$35,828	$10,204,717
6	71	$54,175	$18,283	$35,892	$10,168,825
6	72	$54,175	$18,219	$35,956	$10,132,869
7	73	$54,175	$18,155	$36,021	$10,096,848
7	74	$54,175	$18,090	$36,085	$10,060,763
7	75	$54,175	$18,026	$36,150	$10,024,614
7	76	$54,175	$17,961	$36,215	$9,988,399
7	77	$54,175	$17,896	$36,279	$9,952,120
7	78	$54,175	$17,831	$36,344	$9,915,775
7	79	$54,175	$17,766	$36,410	$9,879,366
7	80	$54,175	$17,701	$36,475	$9,842,891
7	81	$54,175	$17,635	$36,540	$9,806,351
7	82	$54,175	$17,570	$36,606	$9,769,745
7	83	$54,175	$17,504	$36,671	$9,733,074
7	84	$54,175	$17,438	$36,737	$9,696,337
8	85	$54,175	$17,373	$36,803	$9,659,534
8	86	$54,175	$17,307	$36,869	$9,622,665
8	87	$54,175	$17,241	$36,935	$9,585,731
8	88	$54,175	$17,174	$37,001	$9,548,730
8	89	$54,175	$17,108	$37,067	$9,511,663
8	90	$54,175	$17,042	$37,134	$9,474,529
8	91	$54,175	$16,975	$37,200	$9,437,329
8	92	$54,175	$16,909	$37,267	$9,400,062
8	93	$54,175	$16,842	$37,334	$9,362,729
8	94	$54,175	$16,775	$37,400	$9,325,328
8	95	$54,175	$16,708	$37,467	$9,287,861
8	96	$54,175	$16,641	$37,535	$9,250,326
9	97	$54,175	$16,574	$37,602	$9,212,724
9	98	$54,175	$16,506	$37,669	$9,175,055
9	99	$54,175	$16,439	$37,737	$9,137,318
9	100	$54,175	$16,371	$37,804	$9,099,514
9	101	$54,175	$16,303	$37,872	$9,061,642
9	102	$54,175	$16,235	$37,940	$9,023,702
9	103	$54,175	$16,167	$38,008	$8,985,694
9	104	$54,175	$16,099	$38,076	$8,947,618
9	105	$54,175	$16,031	$38,144	$8,909,474
9	106	$54,175	$15,963	$38,213	$8,871,262
9	107	$54,175	$15,894	$38,281	$8,832,981
9	108	$54,175	$15,826	$38,350	$8,794,631
10	109	$54,175	$15,757	$38,418	$8,756,213
10	110	$54,175	$15,688	$38,487	$8,717,726
10	111	$54,175	$15,619	$38,556	$8,679,170
10	112	$54,175	$15,550	$38,625	$8,640,545
10	113	$54,175	$15,481	$38,694	$8,601,850
10	114	$54,175	$15,412	$38,764	$8,563,087
10	115	$54,175	$15,342	$38,833	$8,524,253
10	116	$54,175	$15,273	$38,903	$8,485,351
10	117	$54,175	$15,203	$38,972	$8,446,378
10	118	$54,175	$15,133	$39,042	$8,407,336
10	119	$54,175	$15,063	$39,112	$8,368,224
10	120	$54,175	$14,993	$39,182	$8,329,042
11	121	$54,175	$14,923	$39,252	$8,289,789
11	122	$54,175	$14,853	$39,323	$8,250,466
11	123	$54,175	$14,782	$39,393	$8,211,073
11	124	$54,175	$14,712	$39,464	$8,171,609
11	125	$54,175	$14,641	$39,535	$8,132,075
11	126	$54,175	$14,570	$39,605	$8,092,469
11	127	$54,175	$14,499	$39,676	$8,052,793
11	128	$54,175	$14,428	$39,747	$8,013,046
11	129	$54,175	$14,357	$39,819	$7,973,227
11	130	$54,175	$14,285	$39,890	$7,933,337
11	131	$54,175	$14,214	$39,961	$7,893,376
11	132	$54,175	$14,142	$40,033	$7,853,343
12	133	$54,175	$14,071	$40,105	$7,813,238
12	134	$54,175	$13,999	$40,177	$7,773,061
12	135	$54,175	$13,927	$40,249	$7,732,813
12	136	$54,175	$13,855	$40,321	$7,692,492
12	137	$54,175	$13,782	$40,393	$7,652,099
12	138	$54,175	$13,710	$40,465	$7,611,634
12	139	$54,175	$13,638	$40,538	$7,571,096
12	140	$54,175	$13,565	$40,610	$7,530,485
12	141	$54,175	$13,492	$40,683	$7,489,802
12	142	$54,175	$13,419	$40,756	$7,449,046
12	143	$54,175	$13,346	$40,829	$7,408,217
12	144	$54,175	$13,273	$40,902	$7,367,315
13	145	$54,175	$13,200	$40,976	$7,326,339
13	146	$54,175	$13,126	$41,049	$7,285,290
13	147	$54,175	$13,053	$41,123	$7,244,168
13	148	$54,175	$12,979	$41,196	$7,202,971
13	149	$54,175	$12,905	$41,270	$7,161,701
13	150	$54,175	$12,831	$41,344	$7,120,358
13	151	$54,175	$12,757	$41,418	$7,078,940
13	152	$54,175	$12,683	$41,492	$7,037,447
13	153	$54,175	$12,609	$41,567	$6,995,881
13	154	$54,175	$12,534	$41,641	$6,954,240
13	155	$54,175	$12,460	$41,716	$6,912,524
13	156	$54,175	$12,385	$41,790	$6,870,734
14	157	$54,175	$12,310	$41,865	$6,828,868
14	158	$54,175	$12,235	$41,940	$6,786,928
14	159	$54,175	$12,160	$42,015	$6,744,913
14	160	$54,175	$12,085	$42,091	$6,702,822
14	161	$54,175	$12,009	$42,166	$6,660,656
14	162	$54,175	$11,934	$42,242	$6,618,414
14	163	$54,175	$11,858	$42,317	$6,576,097
14	164	$54,175	$11,782	$42,393	$6,533,704
14	165	$54,175	$11,706	$42,469	$6,491,235
14	166	$54,175	$11,630	$42,545	$6,448,689
14	167	$54,175	$11,554	$42,621	$6,406,068
14	168	$54,175	$11,478	$42,698	$6,363,370
15	169	$54,175	$11,401	$42,774	$6,320,596
15	170	$54,175	$11,324	$42,851	$6,277,745
15	171	$54,175	$11,248	$42,928	$6,234,817
15	172	$54,175	$11,171	$43,005	$6,191,813
15	173	$54,175	$11,094	$43,082	$6,148,731
15	174	$54,175	$11,016	$43,159	$6,105,572
15	175	$54,175	$10,939	$43,236	$6,062,336
15	176	$54,175	$10,862	$43,314	$6,019,022
15	177	$54,175	$10,784	$43,391	$5,975,631
15	178	$54,175	$10,706	$43,469	$5,932,162
15	179	$54,175	$10,628	$43,547	$5,888,615
15	180	$54,175	$10,550	$43,625	$5,844,990
16	181	$54,175	$10,472	$43,703	$5,801,287
16	182	$54,175	$10,394	$43,781	$5,757,506
16	183	$54,175	$10,316	$43,860	$5,713,646
16	184	$54,175	$10,237	$43,938	$5,669,708
16	185	$54,175	$10,158	$44,017	$5,625,691
16	186	$54,175	$10,079	$44,096	$5,581,595
16	187	$54,175	$10,000	$44,175	$5,537,420
16	188	$54,175	$9,921	$44,254	$5,493,166
16	189	$54,175	$9,842	$44,333	$5,448,832
16	190	$54,175	$9,762	$44,413	$5,404,419
16	191	$54,175	$9,683	$44,492	$5,359,927
16	192	$54,175	$9,603	$44,572	$5,315,355
17	193	$54,175	$9,523	$44,652	$5,270,703
17	194	$54,175	$9,443	$44,732	$5,225,971
17	195	$54,175	$9,363	$44,812	$5,181,159
17	196	$54,175	$9,283	$44,892	$5,136,266
17	197	$54,175	$9,202	$44,973	$5,091,293
17	198	$54,175	$9,122	$45,053	$5,046,240
17	199	$54,175	$9,041	$45,134	$5,001,106
17	200	$54,175	$8,960	$45,215	$4,955,891
17	201	$54,175	$8,879	$45,296	$4,910,595
17	202	$54,175	$8,798	$45,377	$4,865,218
17	203	$54,175	$8,717	$45,458	$4,819,759
17	204	$54,175	$8,635	$45,540	$4,774,219
18	205	$54,175	$8,554	$45,622	$4,728,598
18	206	$54,175	$8,472	$45,703	$4,682,894
18	207	$54,175	$8,390	$45,785	$4,637,109
18	208	$54,175	$8,308	$45,867	$4,591,242
18	209	$54,175	$8,226	$45,949	$4,545,293
18	210	$54,175	$8,144	$46,032	$4,499,261
18	211	$54,175	$8,061	$46,114	$4,453,147
18	212	$54,175	$7,979	$46,197	$4,406,950
18	213	$54,175	$7,896	$46,280	$4,360,671
18	214	$54,175	$7,813	$46,362	$4,314,308
18	215	$54,175	$7,730	$46,446	$4,267,863
18	216	$54,175	$7,647	$46,529	$4,221,334
19	217	$54,175	$7,563	$46,612	$4,174,722
19	218	$54,175	$7,480	$46,696	$4,128,026
19	219	$54,175	$7,396	$46,779	$4,081,247
19	220	$54,175	$7,312	$46,863	$4,034,384
19	221	$54,175	$7,228	$46,947	$3,987,437
19	222	$54,175	$7,144	$47,031	$3,940,406
19	223	$54,175	$7,060	$47,115	$3,893,290
19	224	$54,175	$6,975	$47,200	$3,846,090
19	225	$54,175	$6,891	$47,284	$3,798,806
19	226	$54,175	$6,806	$47,369	$3,751,437
19	227	$54,175	$6,721	$47,454	$3,703,983
19	228	$54,175	$6,636	$47,539	$3,656,444
20	229	$54,175	$6,551	$47,624	$3,608,820
20	230	$54,175	$6,466	$47,710	$3,561,110
20	231	$54,175	$6,380	$47,795	$3,513,315
20	232	$54,175	$6,295	$47,881	$3,465,434
20	233	$54,175	$6,209	$47,966	$3,417,468
20	234	$54,175	$6,123	$48,052	$3,369,416
20	235	$54,175	$6,037	$48,138	$3,321,277
20	236	$54,175	$5,951	$48,225	$3,273,052
20	237	$54,175	$5,864	$48,311	$3,224,741
20	238	$54,175	$5,778	$48,398	$3,176,344
20	239	$54,175	$5,691	$48,484	$3,127,859
20	240	$54,175	$5,604	$48,571	$3,079,288
21	241	$54,175	$5,517	$48,658	$3,030,630
21	242	$54,175	$5,430	$48,745	$2,981,884
21	243	$54,175	$5,343	$48,833	$2,933,052
21	244	$54,175	$5,255	$48,920	$2,884,131
21	245	$54,175	$5,167	$49,008	$2,835,123
21	246	$54,175	$5,080	$49,096	$2,786,028
21	247	$54,175	$4,992	$49,184	$2,736,844
21	248	$54,175	$4,904	$49,272	$2,687,572
21	249	$54,175	$4,815	$49,360	$2,638,212
21	250	$54,175	$4,727	$49,449	$2,588,763
21	251	$54,175	$4,638	$49,537	$2,539,226
21	252	$54,175	$4,549	$49,626	$2,489,600
22	253	$54,175	$4,461	$49,715	$2,439,886
22	254	$54,175	$4,371	$49,804	$2,390,082
22	255	$54,175	$4,282	$49,893	$2,340,189
22	256	$54,175	$4,193	$49,982	$2,290,206
22	257	$54,175	$4,103	$50,072	$2,240,134
22	258	$54,175	$4,014	$50,162	$2,189,972
22	259	$54,175	$3,924	$50,252	$2,139,721
22	260	$54,175	$3,834	$50,342	$2,089,379
22	261	$54,175	$3,743	$50,432	$2,038,947
22	262	$54,175	$3,653	$50,522	$1,988,425
22	263	$54,175	$3,563	$50,613	$1,937,812
22	264	$54,175	$3,472	$50,703	$1,887,109
23	265	$54,175	$3,381	$50,794	$1,836,315
23	266	$54,175	$3,290	$50,885	$1,785,429
23	267	$54,175	$3,199	$50,976	$1,734,453
23	268	$54,175	$3,108	$51,068	$1,683,385
23	269	$54,175	$3,016	$51,159	$1,632,226
23	270	$54,175	$2,924	$51,251	$1,580,975
23	271	$54,175	$2,833	$51,343	$1,529,632
23	272	$54,175	$2,741	$51,435	$1,478,198
23	273	$54,175	$2,648	$51,527	$1,426,671
23	274	$54,175	$2,556	$51,619	$1,375,051
23	275	$54,175	$2,464	$51,712	$1,323,340
23	276	$54,175	$2,371	$51,804	$1,271,535
24	277	$54,175	$2,278	$51,897	$1,219,638
24	278	$54,175	$2,185	$51,990	$1,167,648
24	279	$54,175	$2,092	$52,083	$1,115,565
24	280	$54,175	$1,999	$52,177	$1,063,388
24	281	$54,175	$1,905	$52,270	$1,011,118
24	282	$54,175	$1,812	$52,364	$958,754
24	283	$54,175	$1,718	$52,458	$906,297
24	284	$54,175	$1,624	$52,552	$853,745
24	285	$54,175	$1,530	$52,646	$801,100
24	286	$54,175	$1,435	$52,740	$748,360
24	287	$54,175	$1,341	$52,835	$695,525
24	288	$54,175	$1,246	$52,929	$642,596
25	289	$54,175	$1,151	$53,024	$589,572
25	290	$54,175	$1,056	$53,119	$536,453
25	291	$54,175	$961	$53,214	$483,239
25	292	$54,175	$866	$53,310	$429,929
25	293	$54,175	$770	$53,405	$376,524
25	294	$54,175	$675	$53,501	$323,023
25	295	$54,175	$579	$53,597	$269,427
25	296	$54,175	$483	$53,693	$215,734
25	297	$54,175	$387	$53,789	$161,945
25	298	$54,175	$290	$53,885	$108,060
25	299	$54,175	$194	$53,982	$54,078
25	300	$54,175	$97	$54,078	$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$ 8,376,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 8,585,400

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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.