Century 21 Centaland Property

Down Payment (HKD)

$3,032,000

Monthly Repayment (HKD)

$19,611

Loan Amount (HKD)

$4,548,000

Total Interest (HKD)

$1,335,223

Total Repayment (HKD)

$5,883,223

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$19,611	$8,149	$11,462	$4,536,538
1	2	$19,611	$8,128	$11,483	$4,525,055
1	3	$19,611	$8,107	$11,503	$4,513,552
1	4	$19,611	$8,087	$11,524	$4,502,028
1	5	$19,611	$8,066	$11,545	$4,490,483
1	6	$19,611	$8,045	$11,565	$4,478,918
1	7	$19,611	$8,025	$11,586	$4,467,332
1	8	$19,611	$8,004	$11,607	$4,455,725
1	9	$19,611	$7,983	$11,628	$4,444,097
1	10	$19,611	$7,962	$11,648	$4,432,449
1	11	$19,611	$7,941	$11,669	$4,420,780
1	12	$19,611	$7,921	$11,690	$4,409,090
2	13	$19,611	$7,900	$11,711	$4,397,378
2	14	$19,611	$7,879	$11,732	$4,385,646
2	15	$19,611	$7,858	$11,753	$4,373,893
2	16	$19,611	$7,837	$11,774	$4,362,119
2	17	$19,611	$7,815	$11,795	$4,350,324
2	18	$19,611	$7,794	$11,816	$4,338,507
2	19	$19,611	$7,773	$11,838	$4,326,670
2	20	$19,611	$7,752	$11,859	$4,314,811
2	21	$19,611	$7,731	$11,880	$4,302,931
2	22	$19,611	$7,709	$11,901	$4,291,030
2	23	$19,611	$7,688	$11,923	$4,279,107
2	24	$19,611	$7,667	$11,944	$4,267,163
3	25	$19,611	$7,645	$11,965	$4,255,197
3	26	$19,611	$7,624	$11,987	$4,243,211
3	27	$19,611	$7,602	$12,008	$4,231,202
3	28	$19,611	$7,581	$12,030	$4,219,172
3	29	$19,611	$7,559	$12,051	$4,207,121
3	30	$19,611	$7,538	$12,073	$4,195,048
3	31	$19,611	$7,516	$12,095	$4,182,953
3	32	$19,611	$7,494	$12,116	$4,170,837
3	33	$19,611	$7,473	$12,138	$4,158,699
3	34	$19,611	$7,451	$12,160	$4,146,539
3	35	$19,611	$7,429	$12,182	$4,134,358
3	36	$19,611	$7,407	$12,203	$4,122,155
4	37	$19,611	$7,386	$12,225	$4,109,929
4	38	$19,611	$7,364	$12,247	$4,097,682
4	39	$19,611	$7,342	$12,269	$4,085,413
4	40	$19,611	$7,320	$12,291	$4,073,122
4	41	$19,611	$7,298	$12,313	$4,060,809
4	42	$19,611	$7,276	$12,335	$4,048,474
4	43	$19,611	$7,254	$12,357	$4,036,117
4	44	$19,611	$7,231	$12,379	$4,023,737
4	45	$19,611	$7,209	$12,402	$4,011,336
4	46	$19,611	$7,187	$12,424	$3,998,912
4	47	$19,611	$7,165	$12,446	$3,986,466
4	48	$19,611	$7,142	$12,468	$3,973,998
5	49	$19,611	$7,120	$12,491	$3,961,507
5	50	$19,611	$7,098	$12,513	$3,948,994
5	51	$19,611	$7,075	$12,535	$3,936,458
5	52	$19,611	$7,053	$12,558	$3,923,901
5	53	$19,611	$7,030	$12,580	$3,911,320
5	54	$19,611	$7,008	$12,603	$3,898,717
5	55	$19,611	$6,985	$12,626	$3,886,092
5	56	$19,611	$6,963	$12,648	$3,873,443
5	57	$19,611	$6,940	$12,671	$3,860,773
5	58	$19,611	$6,917	$12,694	$3,848,079
5	59	$19,611	$6,894	$12,716	$3,835,363
5	60	$19,611	$6,872	$12,739	$3,822,624
6	61	$19,611	$6,849	$12,762	$3,809,862
6	62	$19,611	$6,826	$12,785	$3,797,077
6	63	$19,611	$6,803	$12,808	$3,784,270
6	64	$19,611	$6,780	$12,831	$3,771,439
6	65	$19,611	$6,757	$12,854	$3,758,585
6	66	$19,611	$6,734	$12,877	$3,745,709
6	67	$19,611	$6,711	$12,900	$3,732,809
6	68	$19,611	$6,688	$12,923	$3,719,886
6	69	$19,611	$6,665	$12,946	$3,706,940
6	70	$19,611	$6,642	$12,969	$3,693,971
6	71	$19,611	$6,618	$12,992	$3,680,979
6	72	$19,611	$6,595	$13,016	$3,667,963
7	73	$19,611	$6,572	$13,039	$3,654,924
7	74	$19,611	$6,548	$13,062	$3,641,862
7	75	$19,611	$6,525	$13,086	$3,628,776
7	76	$19,611	$6,502	$13,109	$3,615,667
7	77	$19,611	$6,478	$13,133	$3,602,534
7	78	$19,611	$6,455	$13,156	$3,589,378
7	79	$19,611	$6,431	$13,180	$3,576,198
7	80	$19,611	$6,407	$13,203	$3,562,995
7	81	$19,611	$6,384	$13,227	$3,549,768
7	82	$19,611	$6,360	$13,251	$3,536,517
7	83	$19,611	$6,336	$13,274	$3,523,243
7	84	$19,611	$6,312	$13,298	$3,509,944
8	85	$19,611	$6,289	$13,322	$3,496,622
8	86	$19,611	$6,265	$13,346	$3,483,276
8	87	$19,611	$6,241	$13,370	$3,469,906
8	88	$19,611	$6,217	$13,394	$3,456,513
8	89	$19,611	$6,193	$13,418	$3,443,095
8	90	$19,611	$6,169	$13,442	$3,429,653
8	91	$19,611	$6,145	$13,466	$3,416,187
8	92	$19,611	$6,121	$13,490	$3,402,697
8	93	$19,611	$6,096	$13,514	$3,389,183
8	94	$19,611	$6,072	$13,538	$3,375,644
8	95	$19,611	$6,048	$13,563	$3,362,081
8	96	$19,611	$6,024	$13,587	$3,348,494
9	97	$19,611	$5,999	$13,611	$3,334,883
9	98	$19,611	$5,975	$13,636	$3,321,247
9	99	$19,611	$5,951	$13,660	$3,307,587
9	100	$19,611	$5,926	$13,685	$3,293,902
9	101	$19,611	$5,902	$13,709	$3,280,193
9	102	$19,611	$5,877	$13,734	$3,266,460
9	103	$19,611	$5,852	$13,758	$3,252,701
9	104	$19,611	$5,828	$13,783	$3,238,918
9	105	$19,611	$5,803	$13,808	$3,225,111
9	106	$19,611	$5,778	$13,832	$3,211,278
9	107	$19,611	$5,754	$13,857	$3,197,421
9	108	$19,611	$5,729	$13,882	$3,183,539
10	109	$19,611	$5,704	$13,907	$3,169,632
10	110	$19,611	$5,679	$13,932	$3,155,700
10	111	$19,611	$5,654	$13,957	$3,141,743
10	112	$19,611	$5,629	$13,982	$3,127,762
10	113	$19,611	$5,604	$14,007	$3,113,755
10	114	$19,611	$5,579	$14,032	$3,099,723
10	115	$19,611	$5,554	$14,057	$3,085,666
10	116	$19,611	$5,528	$14,082	$3,071,583
10	117	$19,611	$5,503	$14,107	$3,057,476
10	118	$19,611	$5,478	$14,133	$3,043,343
10	119	$19,611	$5,453	$14,158	$3,029,185
10	120	$19,611	$5,427	$14,183	$3,015,002
11	121	$19,611	$5,402	$14,209	$3,000,793
11	122	$19,611	$5,376	$14,234	$2,986,558
11	123	$19,611	$5,351	$14,260	$2,972,299
11	124	$19,611	$5,325	$14,285	$2,958,013
11	125	$19,611	$5,300	$14,311	$2,943,702
11	126	$19,611	$5,274	$14,337	$2,929,366
11	127	$19,611	$5,248	$14,362	$2,915,003
11	128	$19,611	$5,223	$14,388	$2,900,615
11	129	$19,611	$5,197	$14,414	$2,886,202
11	130	$19,611	$5,171	$14,440	$2,871,762
11	131	$19,611	$5,145	$14,466	$2,857,296
11	132	$19,611	$5,119	$14,491	$2,842,805
12	133	$19,611	$5,093	$14,517	$2,828,288
12	134	$19,611	$5,067	$14,543	$2,813,744
12	135	$19,611	$5,041	$14,569	$2,799,175
12	136	$19,611	$5,015	$14,596	$2,784,579
12	137	$19,611	$4,989	$14,622	$2,769,958
12	138	$19,611	$4,963	$14,648	$2,755,310
12	139	$19,611	$4,937	$14,674	$2,740,635
12	140	$19,611	$4,910	$14,700	$2,725,935
12	141	$19,611	$4,884	$14,727	$2,711,208
12	142	$19,611	$4,858	$14,753	$2,696,455
12	143	$19,611	$4,831	$14,780	$2,681,675
12	144	$19,611	$4,805	$14,806	$2,666,869
13	145	$19,611	$4,778	$14,833	$2,652,037
13	146	$19,611	$4,752	$14,859	$2,637,178
13	147	$19,611	$4,725	$14,886	$2,622,292
13	148	$19,611	$4,698	$14,912	$2,607,379
13	149	$19,611	$4,672	$14,939	$2,592,440
13	150	$19,611	$4,645	$14,966	$2,577,474
13	151	$19,611	$4,618	$14,993	$2,562,481
13	152	$19,611	$4,591	$15,020	$2,547,462
13	153	$19,611	$4,564	$15,047	$2,532,415
13	154	$19,611	$4,537	$15,074	$2,517,342
13	155	$19,611	$4,510	$15,101	$2,502,241
13	156	$19,611	$4,483	$15,128	$2,487,114
14	157	$19,611	$4,456	$15,155	$2,471,959
14	158	$19,611	$4,429	$15,182	$2,456,777
14	159	$19,611	$4,402	$15,209	$2,441,568
14	160	$19,611	$4,374	$15,236	$2,426,332
14	161	$19,611	$4,347	$15,264	$2,411,068
14	162	$19,611	$4,320	$15,291	$2,395,777
14	163	$19,611	$4,292	$15,318	$2,380,459
14	164	$19,611	$4,265	$15,346	$2,365,113
14	165	$19,611	$4,237	$15,373	$2,349,740
14	166	$19,611	$4,210	$15,401	$2,334,339
14	167	$19,611	$4,182	$15,428	$2,318,911
14	168	$19,611	$4,155	$15,456	$2,303,455
15	169	$19,611	$4,127	$15,484	$2,287,971
15	170	$19,611	$4,099	$15,511	$2,272,460
15	171	$19,611	$4,071	$15,539	$2,256,920
15	172	$19,611	$4,044	$15,567	$2,241,353
15	173	$19,611	$4,016	$15,595	$2,225,758
15	174	$19,611	$3,988	$15,623	$2,210,135
15	175	$19,611	$3,960	$15,651	$2,194,485
15	176	$19,611	$3,932	$15,679	$2,178,806
15	177	$19,611	$3,904	$15,707	$2,163,099
15	178	$19,611	$3,876	$15,735	$2,147,363
15	179	$19,611	$3,847	$15,763	$2,131,600
15	180	$19,611	$3,819	$15,792	$2,115,808
16	181	$19,611	$3,791	$15,820	$2,099,988
16	182	$19,611	$3,762	$15,848	$2,084,140
16	183	$19,611	$3,734	$15,877	$2,068,264
16	184	$19,611	$3,706	$15,905	$2,052,358
16	185	$19,611	$3,677	$15,934	$2,036,425
16	186	$19,611	$3,649	$15,962	$2,020,463
16	187	$19,611	$3,620	$15,991	$2,004,472
16	188	$19,611	$3,591	$16,019	$1,988,453
16	189	$19,611	$3,563	$16,048	$1,972,404
16	190	$19,611	$3,534	$16,077	$1,956,328
16	191	$19,611	$3,505	$16,106	$1,940,222
16	192	$19,611	$3,476	$16,135	$1,924,087
17	193	$19,611	$3,447	$16,163	$1,907,924
17	194	$19,611	$3,418	$16,192	$1,891,732
17	195	$19,611	$3,389	$16,221	$1,875,510
17	196	$19,611	$3,360	$16,250	$1,859,260
17	197	$19,611	$3,331	$16,280	$1,842,980
17	198	$19,611	$3,302	$16,309	$1,826,671
17	199	$19,611	$3,273	$16,338	$1,810,333
17	200	$19,611	$3,244	$16,367	$1,793,966
17	201	$19,611	$3,214	$16,397	$1,777,570
17	202	$19,611	$3,185	$16,426	$1,761,144
17	203	$19,611	$3,155	$16,455	$1,744,688
17	204	$19,611	$3,126	$16,485	$1,728,204
18	205	$19,611	$3,096	$16,514	$1,711,689
18	206	$19,611	$3,067	$16,544	$1,695,145
18	207	$19,611	$3,037	$16,574	$1,678,572
18	208	$19,611	$3,007	$16,603	$1,661,968
18	209	$19,611	$2,978	$16,633	$1,645,335
18	210	$19,611	$2,948	$16,663	$1,628,672
18	211	$19,611	$2,918	$16,693	$1,611,980
18	212	$19,611	$2,888	$16,723	$1,595,257
18	213	$19,611	$2,858	$16,753	$1,578,504
18	214	$19,611	$2,828	$16,783	$1,561,722
18	215	$19,611	$2,798	$16,813	$1,544,909
18	216	$19,611	$2,768	$16,843	$1,528,066
19	217	$19,611	$2,738	$16,873	$1,511,193
19	218	$19,611	$2,708	$16,903	$1,494,290
19	219	$19,611	$2,677	$16,933	$1,477,357
19	220	$19,611	$2,647	$16,964	$1,460,393
19	221	$19,611	$2,617	$16,994	$1,443,399
19	222	$19,611	$2,586	$17,025	$1,426,374
19	223	$19,611	$2,556	$17,055	$1,409,319
19	224	$19,611	$2,525	$17,086	$1,392,233
19	225	$19,611	$2,494	$17,116	$1,375,117
19	226	$19,611	$2,464	$17,147	$1,357,970
19	227	$19,611	$2,433	$17,178	$1,340,792
19	228	$19,611	$2,402	$17,208	$1,323,584
20	229	$19,611	$2,371	$17,239	$1,306,344
20	230	$19,611	$2,341	$17,270	$1,289,074
20	231	$19,611	$2,310	$17,301	$1,271,773
20	232	$19,611	$2,279	$17,332	$1,254,441
20	233	$19,611	$2,248	$17,363	$1,237,078
20	234	$19,611	$2,216	$17,394	$1,219,683
20	235	$19,611	$2,185	$17,425	$1,202,258
20	236	$19,611	$2,154	$17,457	$1,184,801
20	237	$19,611	$2,123	$17,488	$1,167,313
20	238	$19,611	$2,091	$17,519	$1,149,794
20	239	$19,611	$2,060	$17,551	$1,132,243
20	240	$19,611	$2,029	$17,582	$1,114,661
21	241	$19,611	$1,997	$17,614	$1,097,047
21	242	$19,611	$1,966	$17,645	$1,079,402
21	243	$19,611	$1,934	$17,677	$1,061,725
21	244	$19,611	$1,902	$17,708	$1,044,017
21	245	$19,611	$1,871	$17,740	$1,026,277
21	246	$19,611	$1,839	$17,772	$1,008,505
21	247	$19,611	$1,807	$17,804	$990,701
21	248	$19,611	$1,775	$17,836	$972,865
21	249	$19,611	$1,743	$17,868	$954,997
21	250	$19,611	$1,711	$17,900	$937,098
21	251	$19,611	$1,679	$17,932	$919,166
21	252	$19,611	$1,647	$17,964	$901,202
22	253	$19,611	$1,615	$17,996	$883,206
22	254	$19,611	$1,582	$18,028	$865,178
22	255	$19,611	$1,550	$18,061	$847,117
22	256	$19,611	$1,518	$18,093	$829,024
22	257	$19,611	$1,485	$18,125	$810,899
22	258	$19,611	$1,453	$18,158	$792,741
22	259	$19,611	$1,420	$18,190	$774,550
22	260	$19,611	$1,388	$18,223	$756,327
22	261	$19,611	$1,355	$18,256	$738,072
22	262	$19,611	$1,322	$18,288	$719,783
22	263	$19,611	$1,290	$18,321	$701,462
22	264	$19,611	$1,257	$18,354	$683,108
23	265	$19,611	$1,224	$18,387	$664,721
23	266	$19,611	$1,191	$18,420	$646,302
23	267	$19,611	$1,158	$18,453	$627,849
23	268	$19,611	$1,125	$18,486	$609,363
23	269	$19,611	$1,092	$18,519	$590,844
23	270	$19,611	$1,059	$18,552	$572,292
23	271	$19,611	$1,025	$18,585	$553,706
23	272	$19,611	$992	$18,619	$535,088
23	273	$19,611	$959	$18,652	$516,436
23	274	$19,611	$925	$18,685	$497,750
23	275	$19,611	$892	$18,719	$479,031
23	276	$19,611	$858	$18,752	$460,279
24	277	$19,611	$825	$18,786	$441,493
24	278	$19,611	$791	$18,820	$422,673
24	279	$19,611	$757	$18,853	$403,820
24	280	$19,611	$724	$18,887	$384,932
24	281	$19,611	$690	$18,921	$366,011
24	282	$19,611	$656	$18,955	$347,056
24	283	$19,611	$622	$18,989	$328,067
24	284	$19,611	$588	$19,023	$309,044
24	285	$19,611	$554	$19,057	$289,987
24	286	$19,611	$520	$19,091	$270,896
24	287	$19,611	$485	$19,125	$251,771
24	288	$19,611	$451	$19,160	$232,611
25	289	$19,611	$417	$19,194	$213,417
25	290	$19,611	$382	$19,228	$194,189
25	291	$19,611	$348	$19,263	$174,926
25	292	$19,611	$313	$19,297	$155,629
25	293	$19,611	$279	$19,332	$136,297
25	294	$19,611	$244	$19,367	$116,930
25	295	$19,611	$209	$19,401	$97,529
25	296	$19,611	$175	$19,436	$78,093
25	297	$19,611	$140	$19,471	$58,622
25	298	$19,611	$105	$19,506	$39,116
25	299	$19,611	$70	$19,541	$19,576
25	300	$19,611	$35	$19,576	$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$ 3,032,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,107,800

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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.