Century 21 Centaland Property

Down Payment (HKD)

$5,880,000

Monthly Repayment (HKD)

$38,031

Loan Amount (HKD)

$8,820,000

Total Interest (HKD)

$2,589,417

Total Repayment (HKD)

$11,409,417

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$38,031	$15,803	$22,229	$8,797,771
1	2	$38,031	$15,763	$22,269	$8,775,502
1	3	$38,031	$15,723	$22,309	$8,753,194
1	4	$38,031	$15,683	$22,349	$8,730,845
1	5	$38,031	$15,643	$22,389	$8,708,457
1	6	$38,031	$15,603	$22,429	$8,686,028
1	7	$38,031	$15,562	$22,469	$8,663,559
1	8	$38,031	$15,522	$22,509	$8,641,050
1	9	$38,031	$15,482	$22,550	$8,618,500
1	10	$38,031	$15,441	$22,590	$8,595,910
1	11	$38,031	$15,401	$22,630	$8,573,280
1	12	$38,031	$15,360	$22,671	$8,550,609
2	13	$38,031	$15,320	$22,712	$8,527,897
2	14	$38,031	$15,279	$22,752	$8,505,145
2	15	$38,031	$15,238	$22,793	$8,482,352
2	16	$38,031	$15,198	$22,834	$8,459,518
2	17	$38,031	$15,157	$22,875	$8,436,644
2	18	$38,031	$15,116	$22,916	$8,413,728
2	19	$38,031	$15,075	$22,957	$8,390,771
2	20	$38,031	$15,033	$22,998	$8,367,773
2	21	$38,031	$14,992	$23,039	$8,344,734
2	22	$38,031	$14,951	$23,080	$8,321,654
2	23	$38,031	$14,910	$23,122	$8,298,532
2	24	$38,031	$14,868	$23,163	$8,275,369
3	25	$38,031	$14,827	$23,205	$8,252,164
3	26	$38,031	$14,785	$23,246	$8,228,918
3	27	$38,031	$14,743	$23,288	$8,205,630
3	28	$38,031	$14,702	$23,330	$8,182,300
3	29	$38,031	$14,660	$23,371	$8,158,929
3	30	$38,031	$14,618	$23,413	$8,135,515
3	31	$38,031	$14,576	$23,455	$8,112,060
3	32	$38,031	$14,534	$23,497	$8,088,563
3	33	$38,031	$14,492	$23,539	$8,065,023
3	34	$38,031	$14,450	$23,582	$8,041,442
3	35	$38,031	$14,408	$23,624	$8,017,818
3	36	$38,031	$14,365	$23,666	$7,994,152
4	37	$38,031	$14,323	$23,709	$7,970,443
4	38	$38,031	$14,280	$23,751	$7,946,692
4	39	$38,031	$14,238	$23,794	$7,922,899
4	40	$38,031	$14,195	$23,836	$7,899,063
4	41	$38,031	$14,152	$23,879	$7,875,184
4	42	$38,031	$14,110	$23,922	$7,851,262
4	43	$38,031	$14,067	$23,965	$7,827,298
4	44	$38,031	$14,024	$24,007	$7,803,290
4	45	$38,031	$13,981	$24,050	$7,779,240
4	46	$38,031	$13,938	$24,094	$7,755,146
4	47	$38,031	$13,895	$24,137	$7,731,009
4	48	$38,031	$13,851	$24,180	$7,706,829
5	49	$38,031	$13,808	$24,223	$7,682,606
5	50	$38,031	$13,765	$24,267	$7,658,339
5	51	$38,031	$13,721	$24,310	$7,634,029
5	52	$38,031	$13,678	$24,354	$7,609,675
5	53	$38,031	$13,634	$24,397	$7,585,278
5	54	$38,031	$13,590	$24,441	$7,560,837
5	55	$38,031	$13,546	$24,485	$7,536,352
5	56	$38,031	$13,503	$24,529	$7,511,823
5	57	$38,031	$13,459	$24,573	$7,487,250
5	58	$38,031	$13,415	$24,617	$7,462,634
5	59	$38,031	$13,371	$24,661	$7,437,973
5	60	$38,031	$13,326	$24,705	$7,413,268
6	61	$38,031	$13,282	$24,749	$7,388,518
6	62	$38,031	$13,238	$24,794	$7,363,725
6	63	$38,031	$13,193	$24,838	$7,338,887
6	64	$38,031	$13,149	$24,883	$7,314,004
6	65	$38,031	$13,104	$24,927	$7,289,077
6	66	$38,031	$13,060	$24,972	$7,264,105
6	67	$38,031	$13,015	$25,017	$7,239,089
6	68	$38,031	$12,970	$25,061	$7,214,027
6	69	$38,031	$12,925	$25,106	$7,188,921
6	70	$38,031	$12,880	$25,151	$7,163,770
6	71	$38,031	$12,835	$25,196	$7,138,574
6	72	$38,031	$12,790	$25,241	$7,113,332
7	73	$38,031	$12,745	$25,287	$7,088,046
7	74	$38,031	$12,699	$25,332	$7,062,714
7	75	$38,031	$12,654	$25,377	$7,037,336
7	76	$38,031	$12,609	$25,423	$7,011,913
7	77	$38,031	$12,563	$25,468	$6,986,445
7	78	$38,031	$12,517	$25,514	$6,960,931
7	79	$38,031	$12,472	$25,560	$6,935,371
7	80	$38,031	$12,426	$25,606	$6,909,766
7	81	$38,031	$12,380	$25,651	$6,884,114
7	82	$38,031	$12,334	$25,697	$6,858,417
7	83	$38,031	$12,288	$25,743	$6,832,674
7	84	$38,031	$12,242	$25,790	$6,806,884
8	85	$38,031	$12,196	$25,836	$6,781,048
8	86	$38,031	$12,149	$25,882	$6,755,166
8	87	$38,031	$12,103	$25,928	$6,729,238
8	88	$38,031	$12,057	$25,975	$6,703,263
8	89	$38,031	$12,010	$26,021	$6,677,242
8	90	$38,031	$11,963	$26,068	$6,651,174
8	91	$38,031	$11,917	$26,115	$6,625,059
8	92	$38,031	$11,870	$26,161	$6,598,898
8	93	$38,031	$11,823	$26,208	$6,572,689
8	94	$38,031	$11,776	$26,255	$6,546,434
8	95	$38,031	$11,729	$26,302	$6,520,131
8	96	$38,031	$11,682	$26,349	$6,493,782
9	97	$38,031	$11,635	$26,397	$6,467,385
9	98	$38,031	$11,587	$26,444	$6,440,941
9	99	$38,031	$11,540	$26,491	$6,414,450
9	100	$38,031	$11,493	$26,539	$6,387,911
9	101	$38,031	$11,445	$26,586	$6,361,325
9	102	$38,031	$11,397	$26,634	$6,334,691
9	103	$38,031	$11,350	$26,682	$6,308,009
9	104	$38,031	$11,302	$26,730	$6,281,279
9	105	$38,031	$11,254	$26,777	$6,254,502
9	106	$38,031	$11,206	$26,825	$6,227,677
9	107	$38,031	$11,158	$26,873	$6,200,803
9	108	$38,031	$11,110	$26,922	$6,173,881
10	109	$38,031	$11,062	$26,970	$6,146,912
10	110	$38,031	$11,013	$27,018	$6,119,893
10	111	$38,031	$10,965	$27,067	$6,092,827
10	112	$38,031	$10,916	$27,115	$6,065,712
10	113	$38,031	$10,868	$27,164	$6,038,548
10	114	$38,031	$10,819	$27,212	$6,011,336
10	115	$38,031	$10,770	$27,261	$5,984,075
10	116	$38,031	$10,721	$27,310	$5,956,765
10	117	$38,031	$10,673	$27,359	$5,929,406
10	118	$38,031	$10,624	$27,408	$5,901,998
10	119	$38,031	$10,574	$27,457	$5,874,541
10	120	$38,031	$10,525	$27,506	$5,847,035
11	121	$38,031	$10,476	$27,555	$5,819,479
11	122	$38,031	$10,427	$27,605	$5,791,875
11	123	$38,031	$10,377	$27,654	$5,764,220
11	124	$38,031	$10,328	$27,704	$5,736,517
11	125	$38,031	$10,278	$27,753	$5,708,763
11	126	$38,031	$10,228	$27,803	$5,680,960
11	127	$38,031	$10,178	$27,853	$5,653,107
11	128	$38,031	$10,128	$27,903	$5,625,204
11	129	$38,031	$10,078	$27,953	$5,597,251
11	130	$38,031	$10,028	$28,003	$5,569,248
11	131	$38,031	$9,978	$28,053	$5,541,195
11	132	$38,031	$9,928	$28,103	$5,513,092
12	133	$38,031	$9,878	$28,154	$5,484,938
12	134	$38,031	$9,827	$28,204	$5,456,734
12	135	$38,031	$9,777	$28,255	$5,428,479
12	136	$38,031	$9,726	$28,305	$5,400,173
12	137	$38,031	$9,675	$28,356	$5,371,817
12	138	$38,031	$9,625	$28,407	$5,343,410
12	139	$38,031	$9,574	$28,458	$5,314,953
12	140	$38,031	$9,523	$28,509	$5,286,444
12	141	$38,031	$9,472	$28,560	$5,257,884
12	142	$38,031	$9,420	$28,611	$5,229,273
12	143	$38,031	$9,369	$28,662	$5,200,611
12	144	$38,031	$9,318	$28,714	$5,171,897
13	145	$38,031	$9,266	$28,765	$5,143,132
13	146	$38,031	$9,215	$28,817	$5,114,315
13	147	$38,031	$9,163	$28,868	$5,085,447
13	148	$38,031	$9,111	$28,920	$5,056,527
13	149	$38,031	$9,060	$28,972	$5,027,555
13	150	$38,031	$9,008	$29,024	$4,998,532
13	151	$38,031	$8,956	$29,076	$4,969,456
13	152	$38,031	$8,904	$29,128	$4,940,328
13	153	$38,031	$8,851	$29,180	$4,911,148
13	154	$38,031	$8,799	$29,232	$4,881,916
13	155	$38,031	$8,747	$29,285	$4,852,631
13	156	$38,031	$8,694	$29,337	$4,823,294
14	157	$38,031	$8,642	$29,390	$4,793,905
14	158	$38,031	$8,589	$29,442	$4,764,462
14	159	$38,031	$8,536	$29,495	$4,734,967
14	160	$38,031	$8,483	$29,548	$4,705,419
14	161	$38,031	$8,431	$29,601	$4,675,819
14	162	$38,031	$8,378	$29,654	$4,646,165
14	163	$38,031	$8,324	$29,707	$4,616,458
14	164	$38,031	$8,271	$29,760	$4,586,697
14	165	$38,031	$8,218	$29,814	$4,556,884
14	166	$38,031	$8,164	$29,867	$4,527,017
14	167	$38,031	$8,111	$29,920	$4,497,096
14	168	$38,031	$8,057	$29,974	$4,467,122
15	169	$38,031	$8,004	$30,028	$4,437,095
15	170	$38,031	$7,950	$30,082	$4,407,013
15	171	$38,031	$7,896	$30,135	$4,376,877
15	172	$38,031	$7,842	$30,189	$4,346,688
15	173	$38,031	$7,788	$30,244	$4,316,444
15	174	$38,031	$7,734	$30,298	$4,286,147
15	175	$38,031	$7,679	$30,352	$4,255,795
15	176	$38,031	$7,625	$30,406	$4,225,388
15	177	$38,031	$7,570	$30,461	$4,194,927
15	178	$38,031	$7,516	$30,515	$4,164,412
15	179	$38,031	$7,461	$30,570	$4,133,842
15	180	$38,031	$7,406	$30,625	$4,103,217
16	181	$38,031	$7,352	$30,680	$4,072,537
16	182	$38,031	$7,297	$30,735	$4,041,802
16	183	$38,031	$7,242	$30,790	$4,011,012
16	184	$38,031	$7,186	$30,845	$3,980,167
16	185	$38,031	$7,131	$30,900	$3,949,267
16	186	$38,031	$7,076	$30,956	$3,918,311
16	187	$38,031	$7,020	$31,011	$3,887,300
16	188	$38,031	$6,965	$31,067	$3,856,234
16	189	$38,031	$6,909	$31,122	$3,825,111
16	190	$38,031	$6,853	$31,178	$3,793,933
16	191	$38,031	$6,797	$31,234	$3,762,699
16	192	$38,031	$6,742	$31,290	$3,731,410
17	193	$38,031	$6,685	$31,346	$3,700,064
17	194	$38,031	$6,629	$31,402	$3,668,661
17	195	$38,031	$6,573	$31,458	$3,637,203
17	196	$38,031	$6,517	$31,515	$3,605,688
17	197	$38,031	$6,460	$31,571	$3,574,117
17	198	$38,031	$6,404	$31,628	$3,542,489
17	199	$38,031	$6,347	$31,684	$3,510,805
17	200	$38,031	$6,290	$31,741	$3,479,064
17	201	$38,031	$6,233	$31,798	$3,447,266
17	202	$38,031	$6,176	$31,855	$3,415,411
17	203	$38,031	$6,119	$31,912	$3,383,499
17	204	$38,031	$6,062	$31,969	$3,351,529
18	205	$38,031	$6,005	$32,027	$3,319,503
18	206	$38,031	$5,947	$32,084	$3,287,419
18	207	$38,031	$5,890	$32,141	$3,255,277
18	208	$38,031	$5,832	$32,199	$3,223,078
18	209	$38,031	$5,775	$32,257	$3,190,822
18	210	$38,031	$5,717	$32,315	$3,158,507
18	211	$38,031	$5,659	$32,372	$3,126,135
18	212	$38,031	$5,601	$32,430	$3,093,704
18	213	$38,031	$5,543	$32,489	$3,061,216
18	214	$38,031	$5,485	$32,547	$3,028,669
18	215	$38,031	$5,426	$32,605	$2,996,064
18	216	$38,031	$5,368	$32,663	$2,963,401
19	217	$38,031	$5,309	$32,722	$2,930,679
19	218	$38,031	$5,251	$32,781	$2,897,898
19	219	$38,031	$5,192	$32,839	$2,865,059
19	220	$38,031	$5,133	$32,898	$2,832,161
19	221	$38,031	$5,074	$32,957	$2,799,203
19	222	$38,031	$5,015	$33,016	$2,766,187
19	223	$38,031	$4,956	$33,075	$2,733,112
19	224	$38,031	$4,897	$33,135	$2,699,977
19	225	$38,031	$4,837	$33,194	$2,666,784
19	226	$38,031	$4,778	$33,253	$2,633,530
19	227	$38,031	$4,718	$33,313	$2,600,217
19	228	$38,031	$4,659	$33,373	$2,566,844
20	229	$38,031	$4,599	$33,432	$2,533,412
20	230	$38,031	$4,539	$33,492	$2,499,920
20	231	$38,031	$4,479	$33,552	$2,466,367
20	232	$38,031	$4,419	$33,612	$2,432,755
20	233	$38,031	$4,359	$33,673	$2,399,082
20	234	$38,031	$4,298	$33,733	$2,365,349
20	235	$38,031	$4,238	$33,793	$2,331,556
20	236	$38,031	$4,177	$33,854	$2,297,702
20	237	$38,031	$4,117	$33,915	$2,263,787
20	238	$38,031	$4,056	$33,975	$2,229,811
20	239	$38,031	$3,995	$34,036	$2,195,775
20	240	$38,031	$3,934	$34,097	$2,161,678
21	241	$38,031	$3,873	$34,158	$2,127,519
21	242	$38,031	$3,812	$34,220	$2,093,300
21	243	$38,031	$3,750	$34,281	$2,059,019
21	244	$38,031	$3,689	$34,342	$2,024,677
21	245	$38,031	$3,628	$34,404	$1,990,273
21	246	$38,031	$3,566	$34,465	$1,955,807
21	247	$38,031	$3,504	$34,527	$1,921,280
21	248	$38,031	$3,442	$34,589	$1,886,691
21	249	$38,031	$3,380	$34,651	$1,852,040
21	250	$38,031	$3,318	$34,713	$1,817,327
21	251	$38,031	$3,256	$34,775	$1,782,551
21	252	$38,031	$3,194	$34,838	$1,747,714
22	253	$38,031	$3,131	$34,900	$1,712,814
22	254	$38,031	$3,069	$34,963	$1,677,851
22	255	$38,031	$3,006	$35,025	$1,642,826
22	256	$38,031	$2,943	$35,088	$1,607,738
22	257	$38,031	$2,881	$35,151	$1,572,587
22	258	$38,031	$2,818	$35,214	$1,537,373
22	259	$38,031	$2,754	$35,277	$1,502,096
22	260	$38,031	$2,691	$35,340	$1,466,756
22	261	$38,031	$2,628	$35,403	$1,431,353
22	262	$38,031	$2,565	$35,467	$1,395,886
22	263	$38,031	$2,501	$35,530	$1,360,355
22	264	$38,031	$2,437	$35,594	$1,324,761
23	265	$38,031	$2,374	$35,658	$1,289,103
23	266	$38,031	$2,310	$35,722	$1,253,382
23	267	$38,031	$2,246	$35,786	$1,217,596
23	268	$38,031	$2,182	$35,850	$1,181,746
23	269	$38,031	$2,117	$35,914	$1,145,832
23	270	$38,031	$2,053	$35,978	$1,109,854
23	271	$38,031	$1,988	$36,043	$1,073,811
23	272	$38,031	$1,924	$36,107	$1,037,703
23	273	$38,031	$1,859	$36,172	$1,001,531
23	274	$38,031	$1,794	$36,237	$965,294
23	275	$38,031	$1,729	$36,302	$928,992
23	276	$38,031	$1,664	$36,367	$892,625
24	277	$38,031	$1,599	$36,432	$856,193
24	278	$38,031	$1,534	$36,497	$819,696
24	279	$38,031	$1,469	$36,563	$783,133
24	280	$38,031	$1,403	$36,628	$746,505
24	281	$38,031	$1,337	$36,694	$709,811
24	282	$38,031	$1,272	$36,760	$673,051
24	283	$38,031	$1,206	$36,826	$636,226
24	284	$38,031	$1,140	$36,891	$599,334
24	285	$38,031	$1,074	$36,958	$562,376
24	286	$38,031	$1,008	$37,024	$525,353
24	287	$38,031	$941	$37,090	$488,263
24	288	$38,031	$875	$37,157	$451,106
25	289	$38,031	$808	$37,223	$413,883
25	290	$38,031	$742	$37,290	$376,593
25	291	$38,031	$675	$37,357	$339,236
25	292	$38,031	$608	$37,424	$301,813
25	293	$38,031	$541	$37,491	$264,322
25	294	$38,031	$474	$37,558	$226,764
25	295	$38,031	$406	$37,625	$189,139
25	296	$38,031	$339	$37,693	$151,447
25	297	$38,031	$271	$37,760	$113,687
25	298	$38,031	$204	$37,828	$75,859
25	299	$38,031	$136	$37,895	$37,963
25	300	$38,031	$68	$37,963	$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$ 5,880,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,027,000

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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.