Century 21 Centaland Property

Down Payment (HKD)

$4,080,000

Monthly Repayment (HKD)

$26,389

Loan Amount (HKD)

$6,120,000

Total Interest (HKD)

$1,796,738

Total Repayment (HKD)

$7,916,738

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$26,389	$10,965	$15,424	$6,104,576
1	2	$26,389	$10,937	$15,452	$6,089,124
1	3	$26,389	$10,910	$15,479	$6,073,645
1	4	$26,389	$10,882	$15,507	$6,058,137
1	5	$26,389	$10,854	$15,535	$6,042,603
1	6	$26,389	$10,826	$15,563	$6,027,040
1	7	$26,389	$10,798	$15,591	$6,011,449
1	8	$26,389	$10,771	$15,619	$5,995,830
1	9	$26,389	$10,743	$15,647	$5,980,184
1	10	$26,389	$10,714	$15,675	$5,964,509
1	11	$26,389	$10,686	$15,703	$5,948,806
1	12	$26,389	$10,658	$15,731	$5,933,076
2	13	$26,389	$10,630	$15,759	$5,917,317
2	14	$26,389	$10,602	$15,787	$5,901,529
2	15	$26,389	$10,574	$15,816	$5,885,714
2	16	$26,389	$10,545	$15,844	$5,869,870
2	17	$26,389	$10,517	$15,872	$5,853,998
2	18	$26,389	$10,488	$15,901	$5,838,097
2	19	$26,389	$10,460	$15,929	$5,822,168
2	20	$26,389	$10,431	$15,958	$5,806,210
2	21	$26,389	$10,403	$15,986	$5,790,224
2	22	$26,389	$10,374	$16,015	$5,774,209
2	23	$26,389	$10,345	$16,044	$5,758,165
2	24	$26,389	$10,317	$16,072	$5,742,093
3	25	$26,389	$10,288	$16,101	$5,725,991
3	26	$26,389	$10,259	$16,130	$5,709,861
3	27	$26,389	$10,230	$16,159	$5,693,702
3	28	$26,389	$10,201	$16,188	$5,677,514
3	29	$26,389	$10,172	$16,217	$5,661,297
3	30	$26,389	$10,143	$16,246	$5,645,051
3	31	$26,389	$10,114	$16,275	$5,628,776
3	32	$26,389	$10,085	$16,304	$5,612,472
3	33	$26,389	$10,056	$16,333	$5,596,139
3	34	$26,389	$10,026	$16,363	$5,579,776
3	35	$26,389	$9,997	$16,392	$5,563,384
3	36	$26,389	$9,968	$16,421	$5,546,963
4	37	$26,389	$9,938	$16,451	$5,530,512
4	38	$26,389	$9,909	$16,480	$5,514,031
4	39	$26,389	$9,879	$16,510	$5,497,522
4	40	$26,389	$9,850	$16,539	$5,480,982
4	41	$26,389	$9,820	$16,569	$5,464,413
4	42	$26,389	$9,790	$16,599	$5,447,814
4	43	$26,389	$9,761	$16,628	$5,431,186
4	44	$26,389	$9,731	$16,658	$5,414,528
4	45	$26,389	$9,701	$16,688	$5,397,840
4	46	$26,389	$9,671	$16,718	$5,381,122
4	47	$26,389	$9,641	$16,748	$5,364,374
4	48	$26,389	$9,611	$16,778	$5,347,596
5	49	$26,389	$9,581	$16,808	$5,330,788
5	50	$26,389	$9,551	$16,838	$5,313,950
5	51	$26,389	$9,521	$16,868	$5,297,081
5	52	$26,389	$9,491	$16,899	$5,280,183
5	53	$26,389	$9,460	$16,929	$5,263,254
5	54	$26,389	$9,430	$16,959	$5,246,295
5	55	$26,389	$9,400	$16,990	$5,229,305
5	56	$26,389	$9,369	$17,020	$5,212,285
5	57	$26,389	$9,339	$17,050	$5,195,235
5	58	$26,389	$9,308	$17,081	$5,178,154
5	59	$26,389	$9,278	$17,112	$5,161,042
5	60	$26,389	$9,247	$17,142	$5,143,900
6	61	$26,389	$9,216	$17,173	$5,126,727
6	62	$26,389	$9,185	$17,204	$5,109,523
6	63	$26,389	$9,155	$17,235	$5,092,289
6	64	$26,389	$9,124	$17,265	$5,075,023
6	65	$26,389	$9,093	$17,296	$5,057,727
6	66	$26,389	$9,062	$17,327	$5,040,400
6	67	$26,389	$9,031	$17,358	$5,023,041
6	68	$26,389	$9,000	$17,390	$5,005,652
6	69	$26,389	$8,968	$17,421	$4,988,231
6	70	$26,389	$8,937	$17,452	$4,970,779
6	71	$26,389	$8,906	$17,483	$4,953,296
6	72	$26,389	$8,875	$17,514	$4,935,782
7	73	$26,389	$8,843	$17,546	$4,918,236
7	74	$26,389	$8,812	$17,577	$4,900,658
7	75	$26,389	$8,780	$17,609	$4,883,050
7	76	$26,389	$8,749	$17,640	$4,865,409
7	77	$26,389	$8,717	$17,672	$4,847,737
7	78	$26,389	$8,686	$17,704	$4,830,034
7	79	$26,389	$8,654	$17,735	$4,812,298
7	80	$26,389	$8,622	$17,767	$4,794,531
7	81	$26,389	$8,590	$17,799	$4,776,732
7	82	$26,389	$8,558	$17,831	$4,758,902
7	83	$26,389	$8,526	$17,863	$4,741,039
7	84	$26,389	$8,494	$17,895	$4,723,144
8	85	$26,389	$8,462	$17,927	$4,705,217
8	86	$26,389	$8,430	$17,959	$4,687,258
8	87	$26,389	$8,398	$17,991	$4,669,267
8	88	$26,389	$8,366	$18,023	$4,651,244
8	89	$26,389	$8,333	$18,056	$4,633,188
8	90	$26,389	$8,301	$18,088	$4,615,100
8	91	$26,389	$8,269	$18,120	$4,596,980
8	92	$26,389	$8,236	$18,153	$4,578,827
8	93	$26,389	$8,204	$18,185	$4,560,641
8	94	$26,389	$8,171	$18,218	$4,542,423
8	95	$26,389	$8,139	$18,251	$4,524,173
8	96	$26,389	$8,106	$18,283	$4,505,890
9	97	$26,389	$8,073	$18,316	$4,487,573
9	98	$26,389	$8,040	$18,349	$4,469,225
9	99	$26,389	$8,007	$18,382	$4,450,843
9	100	$26,389	$7,974	$18,415	$4,432,428
9	101	$26,389	$7,941	$18,448	$4,413,980
9	102	$26,389	$7,908	$18,481	$4,395,500
9	103	$26,389	$7,875	$18,514	$4,376,986
9	104	$26,389	$7,842	$18,547	$4,358,439
9	105	$26,389	$7,809	$18,580	$4,339,859
9	106	$26,389	$7,776	$18,614	$4,321,245
9	107	$26,389	$7,742	$18,647	$4,302,598
9	108	$26,389	$7,709	$18,680	$4,283,918
10	109	$26,389	$7,675	$18,714	$4,265,204
10	110	$26,389	$7,642	$18,747	$4,246,457
10	111	$26,389	$7,608	$18,781	$4,227,676
10	112	$26,389	$7,575	$18,815	$4,208,861
10	113	$26,389	$7,541	$18,848	$4,190,013
10	114	$26,389	$7,507	$18,882	$4,171,131
10	115	$26,389	$7,473	$18,916	$4,152,215
10	116	$26,389	$7,439	$18,950	$4,133,265
10	117	$26,389	$7,405	$18,984	$4,114,282
10	118	$26,389	$7,371	$19,018	$4,095,264
10	119	$26,389	$7,337	$19,052	$4,076,212
10	120	$26,389	$7,303	$19,086	$4,057,126
11	121	$26,389	$7,269	$19,120	$4,038,006
11	122	$26,389	$7,235	$19,154	$4,018,852
11	123	$26,389	$7,200	$19,189	$3,999,663
11	124	$26,389	$7,166	$19,223	$3,980,440
11	125	$26,389	$7,132	$19,258	$3,961,183
11	126	$26,389	$7,097	$19,292	$3,941,891
11	127	$26,389	$7,063	$19,327	$3,922,564
11	128	$26,389	$7,028	$19,361	$3,903,203
11	129	$26,389	$6,993	$19,396	$3,883,807
11	130	$26,389	$6,958	$19,431	$3,864,376
11	131	$26,389	$6,924	$19,465	$3,844,911
11	132	$26,389	$6,889	$19,500	$3,825,410
12	133	$26,389	$6,854	$19,535	$3,805,875
12	134	$26,389	$6,819	$19,570	$3,786,305
12	135	$26,389	$6,784	$19,605	$3,766,700
12	136	$26,389	$6,749	$19,640	$3,747,059
12	137	$26,389	$6,713	$19,676	$3,727,383
12	138	$26,389	$6,678	$19,711	$3,707,673
12	139	$26,389	$6,643	$19,746	$3,687,926
12	140	$26,389	$6,608	$19,782	$3,668,145
12	141	$26,389	$6,572	$19,817	$3,648,328
12	142	$26,389	$6,537	$19,853	$3,628,475
12	143	$26,389	$6,501	$19,888	$3,608,587
12	144	$26,389	$6,465	$19,924	$3,588,663
13	145	$26,389	$6,430	$19,959	$3,568,704
13	146	$26,389	$6,394	$19,995	$3,548,709
13	147	$26,389	$6,358	$20,031	$3,528,678
13	148	$26,389	$6,322	$20,067	$3,508,611
13	149	$26,389	$6,286	$20,103	$3,488,508
13	150	$26,389	$6,250	$20,139	$3,468,369
13	151	$26,389	$6,214	$20,175	$3,448,194
13	152	$26,389	$6,178	$20,211	$3,427,983
13	153	$26,389	$6,142	$20,247	$3,407,736
13	154	$26,389	$6,106	$20,284	$3,387,452
13	155	$26,389	$6,069	$20,320	$3,367,132
13	156	$26,389	$6,033	$20,356	$3,346,776
14	157	$26,389	$5,996	$20,393	$3,326,383
14	158	$26,389	$5,960	$20,429	$3,305,954
14	159	$26,389	$5,923	$20,466	$3,285,488
14	160	$26,389	$5,886	$20,503	$3,264,985
14	161	$26,389	$5,850	$20,539	$3,244,446
14	162	$26,389	$5,813	$20,576	$3,223,869
14	163	$26,389	$5,776	$20,613	$3,203,256
14	164	$26,389	$5,739	$20,650	$3,182,606
14	165	$26,389	$5,702	$20,687	$3,161,919
14	166	$26,389	$5,665	$20,724	$3,141,195
14	167	$26,389	$5,628	$20,761	$3,120,434
14	168	$26,389	$5,591	$20,798	$3,099,636
15	169	$26,389	$5,554	$20,836	$3,078,800
15	170	$26,389	$5,516	$20,873	$3,057,927
15	171	$26,389	$5,479	$20,910	$3,037,017
15	172	$26,389	$5,441	$20,948	$3,016,069
15	173	$26,389	$5,404	$20,985	$2,995,084
15	174	$26,389	$5,366	$21,023	$2,974,061
15	175	$26,389	$5,329	$21,061	$2,953,000
15	176	$26,389	$5,291	$21,098	$2,931,902
15	177	$26,389	$5,253	$21,136	$2,910,766
15	178	$26,389	$5,215	$21,174	$2,889,592
15	179	$26,389	$5,177	$21,212	$2,868,380
15	180	$26,389	$5,139	$21,250	$2,847,130
16	181	$26,389	$5,101	$21,288	$2,825,842
16	182	$26,389	$5,063	$21,326	$2,804,516
16	183	$26,389	$5,025	$21,364	$2,783,151
16	184	$26,389	$4,986	$21,403	$2,761,749
16	185	$26,389	$4,948	$21,441	$2,740,308
16	186	$26,389	$4,910	$21,479	$2,718,828
16	187	$26,389	$4,871	$21,518	$2,697,310
16	188	$26,389	$4,833	$21,556	$2,675,754
16	189	$26,389	$4,794	$21,595	$2,654,159
16	190	$26,389	$4,755	$21,634	$2,632,525
16	191	$26,389	$4,717	$21,673	$2,610,853
16	192	$26,389	$4,678	$21,711	$2,589,141
17	193	$26,389	$4,639	$21,750	$2,567,391
17	194	$26,389	$4,600	$21,789	$2,545,602
17	195	$26,389	$4,561	$21,828	$2,523,774
17	196	$26,389	$4,522	$21,867	$2,501,906
17	197	$26,389	$4,483	$21,907	$2,480,000
17	198	$26,389	$4,443	$21,946	$2,458,054
17	199	$26,389	$4,404	$21,985	$2,436,069
17	200	$26,389	$4,365	$22,025	$2,414,044
17	201	$26,389	$4,325	$22,064	$2,391,980
17	202	$26,389	$4,286	$22,103	$2,369,877
17	203	$26,389	$4,246	$22,143	$2,347,734
17	204	$26,389	$4,206	$22,183	$2,325,551
18	205	$26,389	$4,167	$22,223	$2,303,328
18	206	$26,389	$4,127	$22,262	$2,281,066
18	207	$26,389	$4,087	$22,302	$2,258,764
18	208	$26,389	$4,047	$22,342	$2,236,422
18	209	$26,389	$4,007	$22,382	$2,214,039
18	210	$26,389	$3,967	$22,422	$2,191,617
18	211	$26,389	$3,927	$22,462	$2,169,155
18	212	$26,389	$3,886	$22,503	$2,146,652
18	213	$26,389	$3,846	$22,543	$2,124,109
18	214	$26,389	$3,806	$22,583	$2,101,525
18	215	$26,389	$3,765	$22,624	$2,078,902
18	216	$26,389	$3,725	$22,664	$2,056,237
19	217	$26,389	$3,684	$22,705	$2,033,532
19	218	$26,389	$3,643	$22,746	$2,010,786
19	219	$26,389	$3,603	$22,786	$1,988,000
19	220	$26,389	$3,562	$22,827	$1,965,173
19	221	$26,389	$3,521	$22,868	$1,942,304
19	222	$26,389	$3,480	$22,909	$1,919,395
19	223	$26,389	$3,439	$22,950	$1,896,445
19	224	$26,389	$3,398	$22,991	$1,873,454
19	225	$26,389	$3,357	$23,033	$1,850,421
19	226	$26,389	$3,315	$23,074	$1,827,347
19	227	$26,389	$3,274	$23,115	$1,804,232
19	228	$26,389	$3,233	$23,157	$1,781,076
20	229	$26,389	$3,191	$23,198	$1,757,878
20	230	$26,389	$3,150	$23,240	$1,734,638
20	231	$26,389	$3,108	$23,281	$1,711,357
20	232	$26,389	$3,066	$23,323	$1,688,034
20	233	$26,389	$3,024	$23,365	$1,664,669
20	234	$26,389	$2,983	$23,407	$1,641,263
20	235	$26,389	$2,941	$23,449	$1,617,814
20	236	$26,389	$2,899	$23,491	$1,594,324
20	237	$26,389	$2,856	$23,533	$1,570,791
20	238	$26,389	$2,814	$23,575	$1,547,216
20	239	$26,389	$2,772	$23,617	$1,523,599
20	240	$26,389	$2,730	$23,659	$1,499,940
21	241	$26,389	$2,687	$23,702	$1,476,238
21	242	$26,389	$2,645	$23,744	$1,452,494
21	243	$26,389	$2,602	$23,787	$1,428,707
21	244	$26,389	$2,560	$23,829	$1,404,878
21	245	$26,389	$2,517	$23,872	$1,381,006
21	246	$26,389	$2,474	$23,915	$1,357,091
21	247	$26,389	$2,431	$23,958	$1,333,133
21	248	$26,389	$2,389	$24,001	$1,309,133
21	249	$26,389	$2,346	$24,044	$1,285,089
21	250	$26,389	$2,302	$24,087	$1,261,002
21	251	$26,389	$2,259	$24,130	$1,236,872
21	252	$26,389	$2,216	$24,173	$1,212,699
22	253	$26,389	$2,173	$24,216	$1,188,483
22	254	$26,389	$2,129	$24,260	$1,164,223
22	255	$26,389	$2,086	$24,303	$1,139,920
22	256	$26,389	$2,042	$24,347	$1,115,573
22	257	$26,389	$1,999	$24,390	$1,091,183
22	258	$26,389	$1,955	$24,434	$1,066,749
22	259	$26,389	$1,911	$24,478	$1,042,271
22	260	$26,389	$1,867	$24,522	$1,017,749
22	261	$26,389	$1,823	$24,566	$993,183
22	262	$26,389	$1,779	$24,610	$968,574
22	263	$26,389	$1,735	$24,654	$943,920
22	264	$26,389	$1,691	$24,698	$919,222
23	265	$26,389	$1,647	$24,742	$894,480
23	266	$26,389	$1,603	$24,787	$869,693
23	267	$26,389	$1,558	$24,831	$844,862
23	268	$26,389	$1,514	$24,875	$819,987
23	269	$26,389	$1,469	$24,920	$795,067
23	270	$26,389	$1,424	$24,965	$770,102
23	271	$26,389	$1,380	$25,009	$745,093
23	272	$26,389	$1,335	$25,054	$720,039
23	273	$26,389	$1,290	$25,099	$694,940
23	274	$26,389	$1,245	$25,144	$669,796
23	275	$26,389	$1,200	$25,189	$644,607
23	276	$26,389	$1,155	$25,234	$619,373
24	277	$26,389	$1,110	$25,279	$594,093
24	278	$26,389	$1,064	$25,325	$568,768
24	279	$26,389	$1,019	$25,370	$543,398
24	280	$26,389	$974	$25,416	$517,983
24	281	$26,389	$928	$25,461	$492,522
24	282	$26,389	$882	$25,507	$467,015
24	283	$26,389	$837	$25,552	$441,463
24	284	$26,389	$791	$25,598	$415,864
24	285	$26,389	$745	$25,644	$390,220
24	286	$26,389	$699	$25,690	$364,530
24	287	$26,389	$653	$25,736	$338,794
24	288	$26,389	$607	$25,782	$313,012
25	289	$26,389	$561	$25,828	$287,184
25	290	$26,389	$515	$25,875	$261,309
25	291	$26,389	$468	$25,921	$235,388
25	292	$26,389	$422	$25,967	$209,421
25	293	$26,389	$375	$26,014	$183,407
25	294	$26,389	$329	$26,061	$157,347
25	295	$26,389	$282	$26,107	$131,239
25	296	$26,389	$235	$26,154	$105,085
25	297	$26,389	$188	$26,201	$78,885
25	298	$26,389	$141	$26,248	$52,637
25	299	$26,389	$94	$26,295	$26,342
25	300	$26,389	$47	$26,342	$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$ 4,080,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,182,000

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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.