Century 21 Centaland Property

Down Payment (HKD)

$8,200,000

Monthly Repayment (HKD)

$53,037

Loan Amount (HKD)

$12,300,000

Total Interest (HKD)

$3,611,092

Total Repayment (HKD)

$15,911,092

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$53,037	$22,038	$30,999	$12,269,001
1	2	$53,037	$21,982	$31,055	$12,237,946
1	3	$53,037	$21,926	$31,111	$12,206,835
1	4	$53,037	$21,871	$31,166	$12,175,668
1	5	$53,037	$21,815	$31,222	$12,144,446
1	6	$53,037	$21,759	$31,278	$12,113,168
1	7	$53,037	$21,703	$31,334	$12,081,834
1	8	$53,037	$21,647	$31,390	$12,050,443
1	9	$53,037	$21,590	$31,447	$12,018,997
1	10	$53,037	$21,534	$31,503	$11,987,494
1	11	$53,037	$21,478	$31,559	$11,955,935
1	12	$53,037	$21,421	$31,616	$11,924,319
2	13	$53,037	$21,364	$31,673	$11,892,646
2	14	$53,037	$21,308	$31,729	$11,860,917
2	15	$53,037	$21,251	$31,786	$11,829,131
2	16	$53,037	$21,194	$31,843	$11,797,287
2	17	$53,037	$21,137	$31,900	$11,765,387
2	18	$53,037	$21,080	$31,957	$11,733,430
2	19	$53,037	$21,022	$32,015	$11,701,415
2	20	$53,037	$20,965	$32,072	$11,669,343
2	21	$53,037	$20,908	$32,129	$11,637,214
2	22	$53,037	$20,850	$32,187	$11,605,027
2	23	$53,037	$20,792	$32,245	$11,572,782
2	24	$53,037	$20,735	$32,302	$11,540,480
3	25	$53,037	$20,677	$32,360	$11,508,120
3	26	$53,037	$20,619	$32,418	$11,475,702
3	27	$53,037	$20,561	$32,476	$11,443,225
3	28	$53,037	$20,502	$32,535	$11,410,691
3	29	$53,037	$20,444	$32,593	$11,378,098
3	30	$53,037	$20,386	$32,651	$11,345,447
3	31	$53,037	$20,327	$32,710	$11,312,737
3	32	$53,037	$20,269	$32,768	$11,279,969
3	33	$53,037	$20,210	$32,827	$11,247,142
3	34	$53,037	$20,151	$32,886	$11,214,256
3	35	$53,037	$20,092	$32,945	$11,181,311
3	36	$53,037	$20,033	$33,004	$11,148,307
4	37	$53,037	$19,974	$33,063	$11,115,244
4	38	$53,037	$19,915	$33,122	$11,082,122
4	39	$53,037	$19,855	$33,182	$11,048,941
4	40	$53,037	$19,796	$33,241	$11,015,700
4	41	$53,037	$19,736	$33,301	$10,982,399
4	42	$53,037	$19,677	$33,360	$10,949,039
4	43	$53,037	$19,617	$33,420	$10,915,619
4	44	$53,037	$19,557	$33,480	$10,882,139
4	45	$53,037	$19,497	$33,540	$10,848,599
4	46	$53,037	$19,437	$33,600	$10,814,999
4	47	$53,037	$19,377	$33,660	$10,781,339
4	48	$53,037	$19,317	$33,720	$10,747,619
5	49	$53,037	$19,256	$33,781	$10,713,838
5	50	$53,037	$19,196	$33,841	$10,679,997
5	51	$53,037	$19,135	$33,902	$10,646,095
5	52	$53,037	$19,074	$33,963	$10,612,132
5	53	$53,037	$19,013	$34,024	$10,578,109
5	54	$53,037	$18,952	$34,085	$10,544,024
5	55	$53,037	$18,891	$34,146	$10,509,878
5	56	$53,037	$18,830	$34,207	$10,475,672
5	57	$53,037	$18,769	$34,268	$10,441,404
5	58	$53,037	$18,708	$34,329	$10,407,074
5	59	$53,037	$18,646	$34,391	$10,372,683
5	60	$53,037	$18,584	$34,453	$10,338,231
6	61	$53,037	$18,523	$34,514	$10,303,716
6	62	$53,037	$18,461	$34,576	$10,269,140
6	63	$53,037	$18,399	$34,638	$10,234,502
6	64	$53,037	$18,337	$34,700	$10,199,802
6	65	$53,037	$18,275	$34,762	$10,165,040
6	66	$53,037	$18,212	$34,825	$10,130,215
6	67	$53,037	$18,150	$34,887	$10,095,328
6	68	$53,037	$18,087	$34,950	$10,060,378
6	69	$53,037	$18,025	$35,012	$10,025,366
6	70	$53,037	$17,962	$35,075	$9,990,291
6	71	$53,037	$17,899	$35,138	$9,955,154
6	72	$53,037	$17,836	$35,201	$9,919,953
7	73	$53,037	$17,773	$35,264	$9,884,689
7	74	$53,037	$17,710	$35,327	$9,849,362
7	75	$53,037	$17,647	$35,390	$9,813,972
7	76	$53,037	$17,583	$35,454	$9,778,519
7	77	$53,037	$17,520	$35,517	$9,743,001
7	78	$53,037	$17,456	$35,581	$9,707,421
7	79	$53,037	$17,392	$35,645	$9,671,776
7	80	$53,037	$17,329	$35,708	$9,636,068
7	81	$53,037	$17,265	$35,772	$9,600,295
7	82	$53,037	$17,201	$35,836	$9,564,459
7	83	$53,037	$17,136	$35,901	$9,528,558
7	84	$53,037	$17,072	$35,965	$9,492,593
8	85	$53,037	$17,008	$36,029	$9,456,564
8	86	$53,037	$16,943	$36,094	$9,420,470
8	87	$53,037	$16,878	$36,159	$9,384,311
8	88	$53,037	$16,814	$36,223	$9,348,088
8	89	$53,037	$16,749	$36,288	$9,311,800
8	90	$53,037	$16,684	$36,353	$9,275,446
8	91	$53,037	$16,619	$36,418	$9,239,028
8	92	$53,037	$16,553	$36,484	$9,202,544
8	93	$53,037	$16,488	$36,549	$9,165,995
8	94	$53,037	$16,422	$36,615	$9,129,381
8	95	$53,037	$16,357	$36,680	$9,092,700
8	96	$53,037	$16,291	$36,746	$9,055,954
9	97	$53,037	$16,225	$36,812	$9,019,143
9	98	$53,037	$16,159	$36,878	$8,982,265
9	99	$53,037	$16,093	$36,944	$8,945,321
9	100	$53,037	$16,027	$37,010	$8,908,311
9	101	$53,037	$15,961	$37,076	$8,871,235
9	102	$53,037	$15,894	$37,143	$8,834,092
9	103	$53,037	$15,828	$37,209	$8,796,883
9	104	$53,037	$15,761	$37,276	$8,759,607
9	105	$53,037	$15,694	$37,343	$8,722,265
9	106	$53,037	$15,627	$37,410	$8,684,855
9	107	$53,037	$15,560	$37,477	$8,647,378
9	108	$53,037	$15,493	$37,544	$8,609,835
10	109	$53,037	$15,426	$37,611	$8,572,224
10	110	$53,037	$15,359	$37,678	$8,534,545
10	111	$53,037	$15,291	$37,746	$8,496,799
10	112	$53,037	$15,223	$37,814	$8,458,986
10	113	$53,037	$15,156	$37,881	$8,421,105
10	114	$53,037	$15,088	$37,949	$8,383,155
10	115	$53,037	$15,020	$38,017	$8,345,138
10	116	$53,037	$14,952	$38,085	$8,307,053
10	117	$53,037	$14,883	$38,154	$8,268,899
10	118	$53,037	$14,815	$38,222	$8,230,678
10	119	$53,037	$14,747	$38,290	$8,192,387
10	120	$53,037	$14,678	$38,359	$8,154,028
11	121	$53,037	$14,609	$38,428	$8,115,601
11	122	$53,037	$14,540	$38,497	$8,077,104
11	123	$53,037	$14,471	$38,565	$8,038,539
11	124	$53,037	$14,402	$38,635	$7,999,904
11	125	$53,037	$14,333	$38,704	$7,961,200
11	126	$53,037	$14,264	$38,773	$7,922,427
11	127	$53,037	$14,194	$38,843	$7,883,584
11	128	$53,037	$14,125	$38,912	$7,844,672
11	129	$53,037	$14,055	$38,982	$7,805,690
11	130	$53,037	$13,985	$39,052	$7,766,638
11	131	$53,037	$13,915	$39,122	$7,727,517
11	132	$53,037	$13,845	$39,192	$7,688,325
12	133	$53,037	$13,775	$39,262	$7,649,063
12	134	$53,037	$13,705	$39,332	$7,609,730
12	135	$53,037	$13,634	$39,403	$7,570,328
12	136	$53,037	$13,564	$39,473	$7,530,854
12	137	$53,037	$13,493	$39,544	$7,491,310
12	138	$53,037	$13,422	$39,615	$7,451,695
12	139	$53,037	$13,351	$39,686	$7,412,009
12	140	$53,037	$13,280	$39,757	$7,372,252
12	141	$53,037	$13,209	$39,828	$7,332,423
12	142	$53,037	$13,137	$39,900	$7,292,524
12	143	$53,037	$13,066	$39,971	$7,252,552
12	144	$53,037	$12,994	$40,043	$7,212,510
13	145	$53,037	$12,922	$40,115	$7,172,395
13	146	$53,037	$12,851	$40,186	$7,132,209
13	147	$53,037	$12,779	$40,258	$7,091,950
13	148	$53,037	$12,706	$40,331	$7,051,620
13	149	$53,037	$12,634	$40,403	$7,011,217
13	150	$53,037	$12,562	$40,475	$6,970,742
13	151	$53,037	$12,489	$40,548	$6,930,194
13	152	$53,037	$12,417	$40,620	$6,889,574
13	153	$53,037	$12,344	$40,693	$6,848,880
13	154	$53,037	$12,271	$40,766	$6,808,114
13	155	$53,037	$12,198	$40,839	$6,767,275
13	156	$53,037	$12,125	$40,912	$6,726,363
14	157	$53,037	$12,051	$40,986	$6,685,377
14	158	$53,037	$11,978	$41,059	$6,644,318
14	159	$53,037	$11,904	$41,133	$6,603,186
14	160	$53,037	$11,831	$41,206	$6,561,980
14	161	$53,037	$11,757	$41,280	$6,520,699
14	162	$53,037	$11,683	$41,354	$6,479,345
14	163	$53,037	$11,609	$41,428	$6,437,917
14	164	$53,037	$11,535	$41,502	$6,396,415
14	165	$53,037	$11,460	$41,577	$6,354,838
14	166	$53,037	$11,386	$41,651	$6,313,187
14	167	$53,037	$11,311	$41,726	$6,271,461
14	168	$53,037	$11,236	$41,801	$6,229,660
15	169	$53,037	$11,161	$41,875	$6,187,785
15	170	$53,037	$11,086	$41,951	$6,145,834
15	171	$53,037	$11,011	$42,026	$6,103,809
15	172	$53,037	$10,936	$42,101	$6,061,708
15	173	$53,037	$10,861	$42,176	$6,019,531
15	174	$53,037	$10,785	$42,252	$5,977,279
15	175	$53,037	$10,709	$42,328	$5,934,952
15	176	$53,037	$10,633	$42,404	$5,892,548
15	177	$53,037	$10,557	$42,479	$5,850,069
15	178	$53,037	$10,481	$42,556	$5,807,513
15	179	$53,037	$10,405	$42,632	$5,764,881
15	180	$53,037	$10,329	$42,708	$5,722,173
16	181	$53,037	$10,252	$42,785	$5,679,388
16	182	$53,037	$10,176	$42,861	$5,636,527
16	183	$53,037	$10,099	$42,938	$5,593,589
16	184	$53,037	$10,022	$43,015	$5,550,574
16	185	$53,037	$9,945	$43,092	$5,507,481
16	186	$53,037	$9,868	$43,169	$5,464,312
16	187	$53,037	$9,790	$43,247	$5,421,065
16	188	$53,037	$9,713	$43,324	$5,377,741
16	189	$53,037	$9,635	$43,402	$5,334,339
16	190	$53,037	$9,557	$43,480	$5,290,859
16	191	$53,037	$9,479	$43,558	$5,247,302
16	192	$53,037	$9,401	$43,636	$5,203,666
17	193	$53,037	$9,323	$43,714	$5,159,953
17	194	$53,037	$9,245	$43,792	$5,116,161
17	195	$53,037	$9,166	$43,871	$5,072,290
17	196	$53,037	$9,088	$43,949	$5,028,341
17	197	$53,037	$9,009	$44,028	$4,984,313
17	198	$53,037	$8,930	$44,107	$4,940,206
17	199	$53,037	$8,851	$44,186	$4,896,021
17	200	$53,037	$8,772	$44,265	$4,851,756
17	201	$53,037	$8,693	$44,344	$4,807,411
17	202	$53,037	$8,613	$44,424	$4,762,988
17	203	$53,037	$8,534	$44,503	$4,718,484
17	204	$53,037	$8,454	$44,583	$4,673,901
18	205	$53,037	$8,374	$44,663	$4,629,238
18	206	$53,037	$8,294	$44,743	$4,584,496
18	207	$53,037	$8,214	$44,823	$4,539,672
18	208	$53,037	$8,134	$44,903	$4,494,769
18	209	$53,037	$8,053	$44,984	$4,449,785
18	210	$53,037	$7,973	$45,064	$4,404,721
18	211	$53,037	$7,892	$45,145	$4,359,576
18	212	$53,037	$7,811	$45,226	$4,314,350
18	213	$53,037	$7,730	$45,307	$4,269,042
18	214	$53,037	$7,649	$45,388	$4,223,654
18	215	$53,037	$7,567	$45,470	$4,178,185
18	216	$53,037	$7,486	$45,551	$4,132,634
19	217	$53,037	$7,404	$45,633	$4,087,001
19	218	$53,037	$7,323	$45,714	$4,041,286
19	219	$53,037	$7,241	$45,796	$3,995,490
19	220	$53,037	$7,159	$45,878	$3,949,612
19	221	$53,037	$7,076	$45,961	$3,903,651
19	222	$53,037	$6,994	$46,043	$3,857,608
19	223	$53,037	$6,912	$46,125	$3,811,483
19	224	$53,037	$6,829	$46,208	$3,765,275
19	225	$53,037	$6,746	$46,291	$3,718,984
19	226	$53,037	$6,663	$46,374	$3,672,610
19	227	$53,037	$6,580	$46,457	$3,626,153
19	228	$53,037	$6,497	$46,540	$3,579,613
20	229	$53,037	$6,413	$46,624	$3,532,990
20	230	$53,037	$6,330	$46,707	$3,486,283
20	231	$53,037	$6,246	$46,791	$3,439,492
20	232	$53,037	$6,162	$46,875	$3,392,617
20	233	$53,037	$6,078	$46,959	$3,345,659
20	234	$53,037	$5,994	$47,043	$3,298,616
20	235	$53,037	$5,910	$47,127	$3,251,489
20	236	$53,037	$5,826	$47,211	$3,204,278
20	237	$53,037	$5,741	$47,296	$3,156,982
20	238	$53,037	$5,656	$47,381	$3,109,601
20	239	$53,037	$5,571	$47,466	$3,062,135
20	240	$53,037	$5,486	$47,551	$3,014,585
21	241	$53,037	$5,401	$47,636	$2,966,949
21	242	$53,037	$5,316	$47,721	$2,919,228
21	243	$53,037	$5,230	$47,807	$2,871,421
21	244	$53,037	$5,145	$47,892	$2,823,529
21	245	$53,037	$5,059	$47,978	$2,775,551
21	246	$53,037	$4,973	$48,064	$2,727,486
21	247	$53,037	$4,887	$48,150	$2,679,336
21	248	$53,037	$4,800	$48,236	$2,631,100
21	249	$53,037	$4,714	$48,323	$2,582,777
21	250	$53,037	$4,627	$48,409	$2,534,367
21	251	$53,037	$4,541	$48,496	$2,485,871
21	252	$53,037	$4,454	$48,583	$2,437,288
22	253	$53,037	$4,367	$48,670	$2,388,618
22	254	$53,037	$4,280	$48,757	$2,339,860
22	255	$53,037	$4,192	$48,845	$2,291,016
22	256	$53,037	$4,105	$48,932	$2,242,083
22	257	$53,037	$4,017	$49,020	$2,193,064
22	258	$53,037	$3,929	$49,108	$2,143,956
22	259	$53,037	$3,841	$49,196	$2,094,760
22	260	$53,037	$3,753	$49,284	$2,045,476
22	261	$53,037	$3,665	$49,372	$1,996,104
22	262	$53,037	$3,576	$49,461	$1,946,643
22	263	$53,037	$3,488	$49,549	$1,897,094
22	264	$53,037	$3,399	$49,638	$1,847,456
23	265	$53,037	$3,310	$49,727	$1,797,729
23	266	$53,037	$3,221	$49,816	$1,747,913
23	267	$53,037	$3,132	$49,905	$1,698,008
23	268	$53,037	$3,042	$49,995	$1,648,013
23	269	$53,037	$2,953	$50,084	$1,597,929
23	270	$53,037	$2,863	$50,174	$1,547,755
23	271	$53,037	$2,773	$50,264	$1,497,491
23	272	$53,037	$2,683	$50,354	$1,447,137
23	273	$53,037	$2,593	$50,444	$1,396,693
23	274	$53,037	$2,502	$50,535	$1,346,158
23	275	$53,037	$2,412	$50,625	$1,295,533
23	276	$53,037	$2,321	$50,716	$1,244,817
24	277	$53,037	$2,230	$50,807	$1,194,011
24	278	$53,037	$2,139	$50,898	$1,143,113
24	279	$53,037	$2,048	$50,989	$1,092,124
24	280	$53,037	$1,957	$51,080	$1,041,044
24	281	$53,037	$1,865	$51,172	$989,872
24	282	$53,037	$1,774	$51,263	$938,609
24	283	$53,037	$1,682	$51,355	$887,253
24	284	$53,037	$1,590	$51,447	$835,806
24	285	$53,037	$1,497	$51,539	$784,266
24	286	$53,037	$1,405	$51,632	$732,635
24	287	$53,037	$1,313	$51,724	$680,910
24	288	$53,037	$1,220	$51,817	$629,093
25	289	$53,037	$1,127	$51,910	$577,183
25	290	$53,037	$1,034	$52,003	$525,181
25	291	$53,037	$941	$52,096	$473,085
25	292	$53,037	$848	$52,189	$420,895
25	293	$53,037	$754	$52,283	$368,612
25	294	$53,037	$660	$52,377	$316,236
25	295	$53,037	$567	$52,470	$263,765
25	296	$53,037	$473	$52,564	$211,201
25	297	$53,037	$378	$52,659	$158,542
25	298	$53,037	$284	$52,753	$105,790
25	299	$53,037	$190	$52,847	$52,942
25	300	$53,037	$95	$52,942	$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$ 8,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 8,405,000

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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.