Century 21 Centaland Property

Down Payment (HKD)

$3,872,000

Monthly Repayment (HKD)

$25,044

Loan Amount (HKD)

$5,808,000

Total Interest (HKD)

$1,705,140

Total Repayment (HKD)

$7,513,140

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$25,044	$10,406	$14,638	$5,793,362
1	2	$25,044	$10,380	$14,664	$5,778,698
1	3	$25,044	$10,354	$14,690	$5,764,008
1	4	$25,044	$10,327	$14,717	$5,749,291
1	5	$25,044	$10,301	$14,743	$5,734,548
1	6	$25,044	$10,274	$14,769	$5,719,779
1	7	$25,044	$10,248	$14,796	$5,704,983
1	8	$25,044	$10,221	$14,822	$5,690,161
1	9	$25,044	$10,195	$14,849	$5,675,312
1	10	$25,044	$10,168	$14,876	$5,660,436
1	11	$25,044	$10,142	$14,902	$5,645,534
1	12	$25,044	$10,115	$14,929	$5,630,605
2	13	$25,044	$10,088	$14,956	$5,615,649
2	14	$25,044	$10,061	$14,982	$5,600,667
2	15	$25,044	$10,035	$15,009	$5,585,658
2	16	$25,044	$10,008	$15,036	$5,570,622
2	17	$25,044	$9,981	$15,063	$5,555,559
2	18	$25,044	$9,954	$15,090	$5,540,468
2	19	$25,044	$9,927	$15,117	$5,525,351
2	20	$25,044	$9,900	$15,144	$5,510,207
2	21	$25,044	$9,872	$15,171	$5,495,036
2	22	$25,044	$9,845	$15,199	$5,479,837
2	23	$25,044	$9,818	$15,226	$5,464,611
2	24	$25,044	$9,791	$15,253	$5,449,358
3	25	$25,044	$9,763	$15,280	$5,434,078
3	26	$25,044	$9,736	$15,308	$5,418,770
3	27	$25,044	$9,709	$15,335	$5,403,435
3	28	$25,044	$9,681	$15,363	$5,388,072
3	29	$25,044	$9,654	$15,390	$5,372,682
3	30	$25,044	$9,626	$15,418	$5,357,265
3	31	$25,044	$9,598	$15,445	$5,341,819
3	32	$25,044	$9,571	$15,473	$5,326,346
3	33	$25,044	$9,543	$15,501	$5,310,845
3	34	$25,044	$9,515	$15,529	$5,295,317
3	35	$25,044	$9,487	$15,556	$5,279,760
3	36	$25,044	$9,460	$15,584	$5,264,176
4	37	$25,044	$9,432	$15,612	$5,248,564
4	38	$25,044	$9,404	$15,640	$5,232,924
4	39	$25,044	$9,376	$15,668	$5,217,256
4	40	$25,044	$9,348	$15,696	$5,201,560
4	41	$25,044	$9,319	$15,724	$5,185,835
4	42	$25,044	$9,291	$15,753	$5,170,083
4	43	$25,044	$9,263	$15,781	$5,154,302
4	44	$25,044	$9,235	$15,809	$5,138,493
4	45	$25,044	$9,206	$15,837	$5,122,656
4	46	$25,044	$9,178	$15,866	$5,106,790
4	47	$25,044	$9,150	$15,894	$5,090,896
4	48	$25,044	$9,121	$15,923	$5,074,973
5	49	$25,044	$9,093	$15,951	$5,059,022
5	50	$25,044	$9,064	$15,980	$5,043,042
5	51	$25,044	$9,035	$16,008	$5,027,034
5	52	$25,044	$9,007	$16,037	$5,010,997
5	53	$25,044	$8,978	$16,066	$4,994,931
5	54	$25,044	$8,949	$16,095	$4,978,837
5	55	$25,044	$8,920	$16,123	$4,962,713
5	56	$25,044	$8,892	$16,152	$4,946,561
5	57	$25,044	$8,863	$16,181	$4,930,380
5	58	$25,044	$8,834	$16,210	$4,914,170
5	59	$25,044	$8,805	$16,239	$4,897,930
5	60	$25,044	$8,775	$16,268	$4,881,662
6	61	$25,044	$8,746	$16,297	$4,865,365
6	62	$25,044	$8,717	$16,327	$4,849,038
6	63	$25,044	$8,688	$16,356	$4,832,682
6	64	$25,044	$8,659	$16,385	$4,816,297
6	65	$25,044	$8,629	$16,415	$4,799,882
6	66	$25,044	$8,600	$16,444	$4,783,438
6	67	$25,044	$8,570	$16,473	$4,766,965
6	68	$25,044	$8,541	$16,503	$4,750,462
6	69	$25,044	$8,511	$16,533	$4,733,929
6	70	$25,044	$8,482	$16,562	$4,717,367
6	71	$25,044	$8,452	$16,592	$4,700,775
6	72	$25,044	$8,422	$16,622	$4,684,153
7	73	$25,044	$8,392	$16,651	$4,667,502
7	74	$25,044	$8,363	$16,681	$4,650,821
7	75	$25,044	$8,333	$16,711	$4,634,110
7	76	$25,044	$8,303	$16,741	$4,617,369
7	77	$25,044	$8,273	$16,771	$4,600,598
7	78	$25,044	$8,243	$16,801	$4,583,797
7	79	$25,044	$8,213	$16,831	$4,566,966
7	80	$25,044	$8,182	$16,861	$4,550,104
7	81	$25,044	$8,152	$16,892	$4,533,213
7	82	$25,044	$8,122	$16,922	$4,516,291
7	83	$25,044	$8,092	$16,952	$4,499,339
7	84	$25,044	$8,061	$16,982	$4,482,356
8	85	$25,044	$8,031	$17,013	$4,465,343
8	86	$25,044	$8,000	$17,043	$4,448,300
8	87	$25,044	$7,970	$17,074	$4,431,226
8	88	$25,044	$7,939	$17,105	$4,414,122
8	89	$25,044	$7,909	$17,135	$4,396,986
8	90	$25,044	$7,878	$17,166	$4,379,821
8	91	$25,044	$7,847	$17,197	$4,362,624
8	92	$25,044	$7,816	$17,227	$4,345,396
8	93	$25,044	$7,786	$17,258	$4,328,138
8	94	$25,044	$7,755	$17,289	$4,310,849
8	95	$25,044	$7,724	$17,320	$4,293,529
8	96	$25,044	$7,693	$17,351	$4,276,178
9	97	$25,044	$7,661	$17,382	$4,258,795
9	98	$25,044	$7,630	$17,413	$4,241,382
9	99	$25,044	$7,599	$17,445	$4,223,937
9	100	$25,044	$7,568	$17,476	$4,206,461
9	101	$25,044	$7,537	$17,507	$4,188,954
9	102	$25,044	$7,505	$17,539	$4,171,415
9	103	$25,044	$7,474	$17,570	$4,153,845
9	104	$25,044	$7,442	$17,601	$4,136,244
9	105	$25,044	$7,411	$17,633	$4,118,611
9	106	$25,044	$7,379	$17,665	$4,100,946
9	107	$25,044	$7,348	$17,696	$4,083,250
9	108	$25,044	$7,316	$17,728	$4,065,522
10	109	$25,044	$7,284	$17,760	$4,047,762
10	110	$25,044	$7,252	$17,792	$4,029,971
10	111	$25,044	$7,220	$17,823	$4,012,147
10	112	$25,044	$7,188	$17,855	$3,994,292
10	113	$25,044	$7,156	$17,887	$3,976,404
10	114	$25,044	$7,124	$17,919	$3,958,485
10	115	$25,044	$7,092	$17,952	$3,940,534
10	116	$25,044	$7,060	$17,984	$3,922,550
10	117	$25,044	$7,028	$18,016	$3,904,534
10	118	$25,044	$6,996	$18,048	$3,886,486
10	119	$25,044	$6,963	$18,081	$3,868,405
10	120	$25,044	$6,931	$18,113	$3,850,292
11	121	$25,044	$6,898	$18,145	$3,832,147
11	122	$25,044	$6,866	$18,178	$3,813,969
11	123	$25,044	$6,833	$18,210	$3,795,759
11	124	$25,044	$6,801	$18,243	$3,777,516
11	125	$25,044	$6,768	$18,276	$3,759,240
11	126	$25,044	$6,735	$18,308	$3,740,931
11	127	$25,044	$6,703	$18,341	$3,722,590
11	128	$25,044	$6,670	$18,374	$3,704,216
11	129	$25,044	$6,637	$18,407	$3,685,809
11	130	$25,044	$6,604	$18,440	$3,667,369
11	131	$25,044	$6,571	$18,473	$3,648,896
11	132	$25,044	$6,538	$18,506	$3,630,390
12	133	$25,044	$6,504	$18,539	$3,611,850
12	134	$25,044	$6,471	$18,573	$3,593,278
12	135	$25,044	$6,438	$18,606	$3,574,672
12	136	$25,044	$6,405	$18,639	$3,556,033
12	137	$25,044	$6,371	$18,673	$3,537,360
12	138	$25,044	$6,338	$18,706	$3,518,654
12	139	$25,044	$6,304	$18,740	$3,499,914
12	140	$25,044	$6,271	$18,773	$3,481,141
12	141	$25,044	$6,237	$18,807	$3,462,335
12	142	$25,044	$6,203	$18,840	$3,443,494
12	143	$25,044	$6,170	$18,874	$3,424,620
12	144	$25,044	$6,136	$18,908	$3,405,712
13	145	$25,044	$6,102	$18,942	$3,386,770
13	146	$25,044	$6,068	$18,976	$3,367,794
13	147	$25,044	$6,034	$19,010	$3,348,784
13	148	$25,044	$6,000	$19,044	$3,329,740
13	149	$25,044	$5,966	$19,078	$3,310,662
13	150	$25,044	$5,932	$19,112	$3,291,550
13	151	$25,044	$5,897	$19,146	$3,272,404
13	152	$25,044	$5,863	$19,181	$3,253,223
13	153	$25,044	$5,829	$19,215	$3,234,008
13	154	$25,044	$5,794	$19,250	$3,214,758
13	155	$25,044	$5,760	$19,284	$3,195,474
13	156	$25,044	$5,725	$19,319	$3,176,156
14	157	$25,044	$5,691	$19,353	$3,156,803
14	158	$25,044	$5,656	$19,388	$3,137,415
14	159	$25,044	$5,621	$19,423	$3,117,992
14	160	$25,044	$5,586	$19,457	$3,098,535
14	161	$25,044	$5,552	$19,492	$3,079,042
14	162	$25,044	$5,517	$19,527	$3,059,515
14	163	$25,044	$5,482	$19,562	$3,039,953
14	164	$25,044	$5,447	$19,597	$3,020,356
14	165	$25,044	$5,411	$19,632	$3,000,724
14	166	$25,044	$5,376	$19,668	$2,981,056
14	167	$25,044	$5,341	$19,703	$2,961,353
14	168	$25,044	$5,306	$19,738	$2,941,615
15	169	$25,044	$5,270	$19,773	$2,921,842
15	170	$25,044	$5,235	$19,809	$2,902,033
15	171	$25,044	$5,199	$19,844	$2,882,189
15	172	$25,044	$5,164	$19,880	$2,862,309
15	173	$25,044	$5,128	$19,915	$2,842,393
15	174	$25,044	$5,093	$19,951	$2,822,442
15	175	$25,044	$5,057	$19,987	$2,802,455
15	176	$25,044	$5,021	$20,023	$2,782,432
15	177	$25,044	$4,985	$20,059	$2,762,374
15	178	$25,044	$4,949	$20,095	$2,742,279
15	179	$25,044	$4,913	$20,131	$2,722,149
15	180	$25,044	$4,877	$20,167	$2,701,982
16	181	$25,044	$4,841	$20,203	$2,681,779
16	182	$25,044	$4,805	$20,239	$2,661,540
16	183	$25,044	$4,769	$20,275	$2,641,265
16	184	$25,044	$4,732	$20,312	$2,620,954
16	185	$25,044	$4,696	$20,348	$2,600,606
16	186	$25,044	$4,659	$20,384	$2,580,221
16	187	$25,044	$4,623	$20,421	$2,559,801
16	188	$25,044	$4,586	$20,457	$2,539,343
16	189	$25,044	$4,550	$20,494	$2,518,849
16	190	$25,044	$4,513	$20,531	$2,498,318
16	191	$25,044	$4,476	$20,568	$2,477,750
16	192	$25,044	$4,439	$20,604	$2,457,146
17	193	$25,044	$4,402	$20,641	$2,436,504
17	194	$25,044	$4,365	$20,678	$2,415,826
17	195	$25,044	$4,328	$20,715	$2,395,111
17	196	$25,044	$4,291	$20,753	$2,374,358
17	197	$25,044	$4,254	$20,790	$2,353,568
17	198	$25,044	$4,217	$20,827	$2,332,741
17	199	$25,044	$4,179	$20,864	$2,311,877
17	200	$25,044	$4,142	$20,902	$2,290,975
17	201	$25,044	$4,105	$20,939	$2,270,036
17	202	$25,044	$4,067	$20,977	$2,249,060
17	203	$25,044	$4,030	$21,014	$2,228,045
17	204	$25,044	$3,992	$21,052	$2,206,993
18	205	$25,044	$3,954	$21,090	$2,185,904
18	206	$25,044	$3,916	$21,127	$2,164,776
18	207	$25,044	$3,879	$21,165	$2,143,611
18	208	$25,044	$3,841	$21,203	$2,122,408
18	209	$25,044	$3,803	$21,241	$2,101,167
18	210	$25,044	$3,765	$21,279	$2,079,888
18	211	$25,044	$3,726	$21,317	$2,058,570
18	212	$25,044	$3,688	$21,356	$2,037,215
18	213	$25,044	$3,650	$21,394	$2,015,821
18	214	$25,044	$3,612	$21,432	$1,994,389
18	215	$25,044	$3,573	$21,471	$1,972,918
18	216	$25,044	$3,535	$21,509	$1,951,409
19	217	$25,044	$3,496	$21,548	$1,929,862
19	218	$25,044	$3,458	$21,586	$1,908,276
19	219	$25,044	$3,419	$21,625	$1,886,651
19	220	$25,044	$3,380	$21,664	$1,864,987
19	221	$25,044	$3,341	$21,702	$1,843,285
19	222	$25,044	$3,303	$21,741	$1,821,544
19	223	$25,044	$3,264	$21,780	$1,799,764
19	224	$25,044	$3,225	$21,819	$1,777,944
19	225	$25,044	$3,185	$21,858	$1,756,086
19	226	$25,044	$3,146	$21,897	$1,734,189
19	227	$25,044	$3,107	$21,937	$1,712,252
19	228	$25,044	$3,068	$21,976	$1,690,276
20	229	$25,044	$3,028	$22,015	$1,668,260
20	230	$25,044	$2,989	$22,055	$1,646,206
20	231	$25,044	$2,949	$22,094	$1,624,111
20	232	$25,044	$2,910	$22,134	$1,601,977
20	233	$25,044	$2,870	$22,174	$1,579,804
20	234	$25,044	$2,830	$22,213	$1,557,590
20	235	$25,044	$2,791	$22,253	$1,535,337
20	236	$25,044	$2,751	$22,293	$1,513,044
20	237	$25,044	$2,711	$22,333	$1,490,711
20	238	$25,044	$2,671	$22,373	$1,468,338
20	239	$25,044	$2,631	$22,413	$1,445,925
20	240	$25,044	$2,591	$22,453	$1,423,472
21	241	$25,044	$2,550	$22,493	$1,400,979
21	242	$25,044	$2,510	$22,534	$1,378,445
21	243	$25,044	$2,470	$22,574	$1,355,871
21	244	$25,044	$2,429	$22,615	$1,333,256
21	245	$25,044	$2,389	$22,655	$1,310,601
21	246	$25,044	$2,348	$22,696	$1,287,906
21	247	$25,044	$2,307	$22,736	$1,265,169
21	248	$25,044	$2,267	$22,777	$1,242,392
21	249	$25,044	$2,226	$22,818	$1,219,575
21	250	$25,044	$2,185	$22,859	$1,196,716
21	251	$25,044	$2,144	$22,900	$1,173,816
21	252	$25,044	$2,103	$22,941	$1,150,875
22	253	$25,044	$2,062	$22,982	$1,127,894
22	254	$25,044	$2,021	$23,023	$1,104,871
22	255	$25,044	$1,980	$23,064	$1,081,806
22	256	$25,044	$1,938	$23,106	$1,058,701
22	257	$25,044	$1,897	$23,147	$1,035,554
22	258	$25,044	$1,855	$23,188	$1,012,365
22	259	$25,044	$1,814	$23,230	$989,135
22	260	$25,044	$1,772	$23,272	$965,864
22	261	$25,044	$1,731	$23,313	$942,551
22	262	$25,044	$1,689	$23,355	$919,196
22	263	$25,044	$1,647	$23,397	$895,799
22	264	$25,044	$1,605	$23,439	$872,360
23	265	$25,044	$1,563	$23,481	$848,879
23	266	$25,044	$1,521	$23,523	$825,356
23	267	$25,044	$1,479	$23,565	$801,791
23	268	$25,044	$1,437	$23,607	$778,184
23	269	$25,044	$1,394	$23,650	$754,534
23	270	$25,044	$1,352	$23,692	$730,842
23	271	$25,044	$1,309	$23,734	$707,108
23	272	$25,044	$1,267	$23,777	$683,331
23	273	$25,044	$1,224	$23,819	$659,512
23	274	$25,044	$1,182	$23,862	$635,649
23	275	$25,044	$1,139	$23,905	$611,744
23	276	$25,044	$1,096	$23,948	$587,797
24	277	$25,044	$1,053	$23,991	$563,806
24	278	$25,044	$1,010	$24,034	$539,772
24	279	$25,044	$967	$24,077	$515,696
24	280	$25,044	$924	$24,120	$491,576
24	281	$25,044	$881	$24,163	$467,413
24	282	$25,044	$837	$24,206	$443,206
24	283	$25,044	$794	$24,250	$418,957
24	284	$25,044	$751	$24,293	$394,664
24	285	$25,044	$707	$24,337	$370,327
24	286	$25,044	$664	$24,380	$345,947
24	287	$25,044	$620	$24,424	$321,523
24	288	$25,044	$576	$24,468	$297,055
25	289	$25,044	$532	$24,512	$272,543
25	290	$25,044	$488	$24,555	$247,988
25	291	$25,044	$444	$24,599	$223,388
25	292	$25,044	$400	$24,644	$198,745
25	293	$25,044	$356	$24,688	$174,057
25	294	$25,044	$312	$24,732	$149,325
25	295	$25,044	$268	$24,776	$124,549
25	296	$25,044	$223	$24,821	$99,728
25	297	$25,044	$179	$24,865	$74,863
25	298	$25,044	$134	$24,910	$49,953
25	299	$25,044	$89	$24,954	$24,999
25	300	$25,044	$45	$24,999	$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$ 3,872,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,968,800

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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.