Century 21 Centaland Property

Down Payment (HKD)

$3,160,000

Monthly Repayment (HKD)

$20,439

Loan Amount (HKD)

$4,740,000

Total Interest (HKD)

$1,391,592

Total Repayment (HKD)

$6,131,592

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$20,439	$8,493	$11,946	$4,728,054
1	2	$20,439	$8,471	$11,968	$4,716,086
1	3	$20,439	$8,450	$11,989	$4,704,097
1	4	$20,439	$8,428	$12,010	$4,692,087
1	5	$20,439	$8,407	$12,032	$4,680,055
1	6	$20,439	$8,385	$12,054	$4,668,001
1	7	$20,439	$8,364	$12,075	$4,655,926
1	8	$20,439	$8,342	$12,097	$4,643,829
1	9	$20,439	$8,320	$12,118	$4,631,711
1	10	$20,439	$8,298	$12,140	$4,619,571
1	11	$20,439	$8,277	$12,162	$4,607,409
1	12	$20,439	$8,255	$12,184	$4,595,225
2	13	$20,439	$8,233	$12,206	$4,583,020
2	14	$20,439	$8,211	$12,227	$4,570,792
2	15	$20,439	$8,189	$12,249	$4,558,543
2	16	$20,439	$8,167	$12,271	$4,546,272
2	17	$20,439	$8,145	$12,293	$4,533,979
2	18	$20,439	$8,123	$12,315	$4,521,663
2	19	$20,439	$8,101	$12,337	$4,509,326
2	20	$20,439	$8,079	$12,359	$4,496,967
2	21	$20,439	$8,057	$12,382	$4,484,585
2	22	$20,439	$8,035	$12,404	$4,472,181
2	23	$20,439	$8,013	$12,426	$4,459,755
2	24	$20,439	$7,990	$12,448	$4,447,307
3	25	$20,439	$7,968	$12,471	$4,434,836
3	26	$20,439	$7,946	$12,493	$4,422,344
3	27	$20,439	$7,923	$12,515	$4,409,828
3	28	$20,439	$7,901	$12,538	$4,397,291
3	29	$20,439	$7,878	$12,560	$4,384,730
3	30	$20,439	$7,856	$12,583	$4,372,148
3	31	$20,439	$7,833	$12,605	$4,359,543
3	32	$20,439	$7,811	$12,628	$4,346,915
3	33	$20,439	$7,788	$12,650	$4,334,264
3	34	$20,439	$7,766	$12,673	$4,321,591
3	35	$20,439	$7,743	$12,696	$4,308,895
3	36	$20,439	$7,720	$12,719	$4,296,177
4	37	$20,439	$7,697	$12,741	$4,283,436
4	38	$20,439	$7,674	$12,764	$4,270,671
4	39	$20,439	$7,652	$12,787	$4,257,884
4	40	$20,439	$7,629	$12,810	$4,245,074
4	41	$20,439	$7,606	$12,833	$4,232,242
4	42	$20,439	$7,583	$12,856	$4,219,386
4	43	$20,439	$7,560	$12,879	$4,206,507
4	44	$20,439	$7,537	$12,902	$4,193,605
4	45	$20,439	$7,514	$12,925	$4,180,680
4	46	$20,439	$7,490	$12,948	$4,167,732
4	47	$20,439	$7,467	$12,971	$4,154,760
4	48	$20,439	$7,444	$12,995	$4,141,765
5	49	$20,439	$7,421	$13,018	$4,128,747
5	50	$20,439	$7,397	$13,041	$4,115,706
5	51	$20,439	$7,374	$13,065	$4,102,641
5	52	$20,439	$7,351	$13,088	$4,089,553
5	53	$20,439	$7,327	$13,112	$4,076,442
5	54	$20,439	$7,304	$13,135	$4,063,307
5	55	$20,439	$7,280	$13,159	$4,050,148
5	56	$20,439	$7,257	$13,182	$4,036,966
5	57	$20,439	$7,233	$13,206	$4,023,760
5	58	$20,439	$7,209	$13,229	$4,010,531
5	59	$20,439	$7,186	$13,253	$3,997,278
5	60	$20,439	$7,162	$13,277	$3,984,001
6	61	$20,439	$7,138	$13,301	$3,970,700
6	62	$20,439	$7,114	$13,324	$3,957,376
6	63	$20,439	$7,090	$13,348	$3,944,028
6	64	$20,439	$7,066	$13,372	$3,930,655
6	65	$20,439	$7,042	$13,396	$3,917,259
6	66	$20,439	$7,018	$13,420	$3,903,839
6	67	$20,439	$6,994	$13,444	$3,890,395
6	68	$20,439	$6,970	$13,468	$3,876,926
6	69	$20,439	$6,946	$13,492	$3,863,434
6	70	$20,439	$6,922	$13,517	$3,849,917
6	71	$20,439	$6,898	$13,541	$3,836,376
6	72	$20,439	$6,874	$13,565	$3,822,811
7	73	$20,439	$6,849	$13,589	$3,809,222
7	74	$20,439	$6,825	$13,614	$3,795,608
7	75	$20,439	$6,800	$13,638	$3,781,970
7	76	$20,439	$6,776	$13,663	$3,768,307
7	77	$20,439	$6,752	$13,687	$3,754,620
7	78	$20,439	$6,727	$13,712	$3,740,908
7	79	$20,439	$6,702	$13,736	$3,727,172
7	80	$20,439	$6,678	$13,761	$3,713,412
7	81	$20,439	$6,653	$13,785	$3,699,626
7	82	$20,439	$6,628	$13,810	$3,685,816
7	83	$20,439	$6,604	$13,835	$3,671,981
7	84	$20,439	$6,579	$13,860	$3,658,121
8	85	$20,439	$6,554	$13,885	$3,644,237
8	86	$20,439	$6,529	$13,909	$3,630,327
8	87	$20,439	$6,504	$13,934	$3,616,393
8	88	$20,439	$6,479	$13,959	$3,602,434
8	89	$20,439	$6,454	$13,984	$3,588,450
8	90	$20,439	$6,429	$14,009	$3,574,440
8	91	$20,439	$6,404	$14,034	$3,560,406
8	92	$20,439	$6,379	$14,060	$3,546,346
8	93	$20,439	$6,354	$14,085	$3,532,262
8	94	$20,439	$6,329	$14,110	$3,518,152
8	95	$20,439	$6,303	$14,135	$3,504,016
8	96	$20,439	$6,278	$14,161	$3,489,856
9	97	$20,439	$6,253	$14,186	$3,475,670
9	98	$20,439	$6,227	$14,211	$3,461,458
9	99	$20,439	$6,202	$14,237	$3,447,221
9	100	$20,439	$6,176	$14,262	$3,432,959
9	101	$20,439	$6,151	$14,288	$3,418,671
9	102	$20,439	$6,125	$14,314	$3,404,358
9	103	$20,439	$6,099	$14,339	$3,390,018
9	104	$20,439	$6,074	$14,365	$3,375,654
9	105	$20,439	$6,048	$14,391	$3,361,263
9	106	$20,439	$6,022	$14,416	$3,346,847
9	107	$20,439	$5,996	$14,442	$3,332,404
9	108	$20,439	$5,971	$14,468	$3,317,936
10	109	$20,439	$5,945	$14,494	$3,303,442
10	110	$20,439	$5,919	$14,520	$3,288,922
10	111	$20,439	$5,893	$14,546	$3,274,376
10	112	$20,439	$5,867	$14,572	$3,259,804
10	113	$20,439	$5,840	$14,598	$3,245,206
10	114	$20,439	$5,814	$14,624	$3,230,582
10	115	$20,439	$5,788	$14,651	$3,215,931
10	116	$20,439	$5,762	$14,677	$3,201,255
10	117	$20,439	$5,736	$14,703	$3,186,551
10	118	$20,439	$5,709	$14,729	$3,171,822
10	119	$20,439	$5,683	$14,756	$3,157,066
10	120	$20,439	$5,656	$14,782	$3,142,284
11	121	$20,439	$5,630	$14,809	$3,127,475
11	122	$20,439	$5,603	$14,835	$3,112,640
11	123	$20,439	$5,577	$14,862	$3,097,778
11	124	$20,439	$5,550	$14,888	$3,082,890
11	125	$20,439	$5,524	$14,915	$3,067,975
11	126	$20,439	$5,497	$14,942	$3,053,033
11	127	$20,439	$5,470	$14,969	$3,038,064
11	128	$20,439	$5,443	$14,995	$3,023,069
11	129	$20,439	$5,416	$15,022	$3,008,046
11	130	$20,439	$5,389	$15,049	$2,992,997
11	131	$20,439	$5,362	$15,076	$2,977,921
11	132	$20,439	$5,335	$15,103	$2,962,818
12	133	$20,439	$5,308	$15,130	$2,947,688
12	134	$20,439	$5,281	$15,157	$2,932,530
12	135	$20,439	$5,254	$15,185	$2,917,346
12	136	$20,439	$5,227	$15,212	$2,902,134
12	137	$20,439	$5,200	$15,239	$2,886,895
12	138	$20,439	$5,172	$15,266	$2,871,629
12	139	$20,439	$5,145	$15,294	$2,856,335
12	140	$20,439	$5,118	$15,321	$2,841,014
12	141	$20,439	$5,090	$15,348	$2,825,666
12	142	$20,439	$5,063	$15,376	$2,810,290
12	143	$20,439	$5,035	$15,404	$2,794,886
12	144	$20,439	$5,008	$15,431	$2,779,455
13	145	$20,439	$4,980	$15,459	$2,763,996
13	146	$20,439	$4,952	$15,486	$2,748,510
13	147	$20,439	$4,924	$15,514	$2,732,995
13	148	$20,439	$4,897	$15,542	$2,717,453
13	149	$20,439	$4,869	$15,570	$2,701,884
13	150	$20,439	$4,841	$15,598	$2,686,286
13	151	$20,439	$4,813	$15,626	$2,670,660
13	152	$20,439	$4,785	$15,654	$2,655,006
13	153	$20,439	$4,757	$15,682	$2,639,325
13	154	$20,439	$4,729	$15,710	$2,623,615
13	155	$20,439	$4,701	$15,738	$2,607,877
13	156	$20,439	$4,672	$15,766	$2,592,111
14	157	$20,439	$4,644	$15,794	$2,576,316
14	158	$20,439	$4,616	$15,823	$2,560,493
14	159	$20,439	$4,588	$15,851	$2,544,642
14	160	$20,439	$4,559	$15,879	$2,528,763
14	161	$20,439	$4,531	$15,908	$2,512,855
14	162	$20,439	$4,502	$15,936	$2,496,918
14	163	$20,439	$4,474	$15,965	$2,480,953
14	164	$20,439	$4,445	$15,994	$2,464,960
14	165	$20,439	$4,416	$16,022	$2,448,938
14	166	$20,439	$4,388	$16,051	$2,432,887
14	167	$20,439	$4,359	$16,080	$2,416,807
14	168	$20,439	$4,330	$16,109	$2,400,698
15	169	$20,439	$4,301	$16,137	$2,384,561
15	170	$20,439	$4,272	$16,166	$2,368,395
15	171	$20,439	$4,243	$16,195	$2,352,199
15	172	$20,439	$4,214	$16,224	$2,335,975
15	173	$20,439	$4,185	$16,253	$2,319,722
15	174	$20,439	$4,156	$16,282	$2,303,439
15	175	$20,439	$4,127	$16,312	$2,287,128
15	176	$20,439	$4,098	$16,341	$2,270,787
15	177	$20,439	$4,068	$16,370	$2,254,417
15	178	$20,439	$4,039	$16,399	$2,238,017
15	179	$20,439	$4,010	$16,429	$2,221,588
15	180	$20,439	$3,980	$16,458	$2,205,130
16	181	$20,439	$3,951	$16,488	$2,188,642
16	182	$20,439	$3,921	$16,517	$2,172,125
16	183	$20,439	$3,892	$16,547	$2,155,578
16	184	$20,439	$3,862	$16,577	$2,139,001
16	185	$20,439	$3,832	$16,606	$2,122,395
16	186	$20,439	$3,803	$16,636	$2,105,759
16	187	$20,439	$3,773	$16,666	$2,089,093
16	188	$20,439	$3,743	$16,696	$2,072,398
16	189	$20,439	$3,713	$16,726	$2,055,672
16	190	$20,439	$3,683	$16,756	$2,038,917
16	191	$20,439	$3,653	$16,786	$2,022,131
16	192	$20,439	$3,623	$16,816	$2,005,315
17	193	$20,439	$3,593	$16,846	$1,988,470
17	194	$20,439	$3,563	$16,876	$1,971,594
17	195	$20,439	$3,532	$16,906	$1,954,687
17	196	$20,439	$3,502	$16,936	$1,937,751
17	197	$20,439	$3,472	$16,967	$1,920,784
17	198	$20,439	$3,441	$16,997	$1,903,787
17	199	$20,439	$3,411	$17,028	$1,886,759
17	200	$20,439	$3,380	$17,058	$1,869,701
17	201	$20,439	$3,350	$17,089	$1,852,612
17	202	$20,439	$3,319	$17,119	$1,835,493
17	203	$20,439	$3,289	$17,150	$1,818,343
17	204	$20,439	$3,258	$17,181	$1,801,162
18	205	$20,439	$3,227	$17,212	$1,783,950
18	206	$20,439	$3,196	$17,242	$1,766,708
18	207	$20,439	$3,165	$17,273	$1,749,435
18	208	$20,439	$3,134	$17,304	$1,732,131
18	209	$20,439	$3,103	$17,335	$1,714,795
18	210	$20,439	$3,072	$17,366	$1,697,429
18	211	$20,439	$3,041	$17,397	$1,680,032
18	212	$20,439	$3,010	$17,429	$1,662,603
18	213	$20,439	$2,979	$17,460	$1,645,143
18	214	$20,439	$2,948	$17,491	$1,627,652
18	215	$20,439	$2,916	$17,522	$1,610,130
18	216	$20,439	$2,885	$17,554	$1,592,576
19	217	$20,439	$2,853	$17,585	$1,574,991
19	218	$20,439	$2,822	$17,617	$1,557,374
19	219	$20,439	$2,790	$17,648	$1,539,725
19	220	$20,439	$2,759	$17,680	$1,522,045
19	221	$20,439	$2,727	$17,712	$1,504,334
19	222	$20,439	$2,695	$17,743	$1,486,590
19	223	$20,439	$2,663	$17,775	$1,468,815
19	224	$20,439	$2,632	$17,807	$1,451,008
19	225	$20,439	$2,600	$17,839	$1,433,169
19	226	$20,439	$2,568	$17,871	$1,415,299
19	227	$20,439	$2,536	$17,903	$1,397,396
19	228	$20,439	$2,504	$17,935	$1,379,461
20	229	$20,439	$2,472	$17,967	$1,361,494
20	230	$20,439	$2,439	$17,999	$1,343,494
20	231	$20,439	$2,407	$18,032	$1,325,463
20	232	$20,439	$2,375	$18,064	$1,307,399
20	233	$20,439	$2,342	$18,096	$1,289,303
20	234	$20,439	$2,310	$18,129	$1,271,174
20	235	$20,439	$2,278	$18,161	$1,253,013
20	236	$20,439	$2,245	$18,194	$1,234,819
20	237	$20,439	$2,212	$18,226	$1,216,593
20	238	$20,439	$2,180	$18,259	$1,198,334
20	239	$20,439	$2,147	$18,292	$1,180,042
20	240	$20,439	$2,114	$18,324	$1,161,718
21	241	$20,439	$2,081	$18,357	$1,143,361
21	242	$20,439	$2,049	$18,390	$1,124,971
21	243	$20,439	$2,016	$18,423	$1,106,548
21	244	$20,439	$1,983	$18,456	$1,088,092
21	245	$20,439	$1,949	$18,489	$1,069,602
21	246	$20,439	$1,916	$18,522	$1,051,080
21	247	$20,439	$1,883	$18,555	$1,032,525
21	248	$20,439	$1,850	$18,589	$1,013,936
21	249	$20,439	$1,817	$18,622	$995,314
21	250	$20,439	$1,783	$18,655	$976,659
21	251	$20,439	$1,750	$18,689	$957,970
21	252	$20,439	$1,716	$18,722	$939,248
22	253	$20,439	$1,683	$18,756	$920,492
22	254	$20,439	$1,649	$18,789	$901,702
22	255	$20,439	$1,616	$18,823	$882,879
22	256	$20,439	$1,582	$18,857	$864,022
22	257	$20,439	$1,548	$18,891	$845,132
22	258	$20,439	$1,514	$18,924	$826,207
22	259	$20,439	$1,480	$18,958	$807,249
22	260	$20,439	$1,446	$18,992	$788,257
22	261	$20,439	$1,412	$19,026	$769,230
22	262	$20,439	$1,378	$19,060	$750,170
22	263	$20,439	$1,344	$19,095	$731,075
22	264	$20,439	$1,310	$19,129	$711,947
23	265	$20,439	$1,276	$19,163	$692,783
23	266	$20,439	$1,241	$19,197	$673,586
23	267	$20,439	$1,207	$19,232	$654,354
23	268	$20,439	$1,172	$19,266	$635,088
23	269	$20,439	$1,138	$19,301	$615,787
23	270	$20,439	$1,103	$19,335	$596,452
23	271	$20,439	$1,069	$19,370	$577,082
23	272	$20,439	$1,034	$19,405	$557,677
23	273	$20,439	$999	$19,439	$538,238
23	274	$20,439	$964	$19,474	$518,763
23	275	$20,439	$929	$19,509	$499,254
23	276	$20,439	$894	$19,544	$479,710
24	277	$20,439	$859	$19,579	$460,131
24	278	$20,439	$824	$19,614	$440,517
24	279	$20,439	$789	$19,649	$420,867
24	280	$20,439	$754	$19,685	$401,183
24	281	$20,439	$719	$19,720	$381,463
24	282	$20,439	$683	$19,755	$361,708
24	283	$20,439	$648	$19,791	$341,917
24	284	$20,439	$613	$19,826	$322,091
24	285	$20,439	$577	$19,862	$302,230
24	286	$20,439	$541	$19,897	$282,332
24	287	$20,439	$506	$19,933	$262,400
24	288	$20,439	$470	$19,969	$242,431
25	289	$20,439	$434	$20,004	$222,427
25	290	$20,439	$399	$20,040	$202,387
25	291	$20,439	$363	$20,076	$182,311
25	292	$20,439	$327	$20,112	$162,199
25	293	$20,439	$291	$20,148	$142,051
25	294	$20,439	$255	$20,184	$121,866
25	295	$20,439	$218	$20,220	$101,646
25	296	$20,439	$182	$20,257	$81,390
25	297	$20,439	$146	$20,293	$61,097
25	298	$20,439	$109	$20,329	$40,768
25	299	$20,439	$73	$20,366	$20,402
25	300	$20,439	$37	$20,402	$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$ 3,160,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,239,000

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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.