Century 21 Centaland Property

Down Payment (HKD)

$4,160,000

Monthly Repayment (HKD)

$26,907

Loan Amount (HKD)

$6,240,000

Total Interest (HKD)

$1,831,969

Total Repayment (HKD)

$8,071,969

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$26,907	$11,180	$15,727	$6,224,273
1	2	$26,907	$11,152	$15,755	$6,208,519
1	3	$26,907	$11,124	$15,783	$6,192,736
1	4	$26,907	$11,095	$15,811	$6,176,924
1	5	$26,907	$11,067	$15,840	$6,161,085
1	6	$26,907	$11,039	$15,868	$6,145,217
1	7	$26,907	$11,010	$15,896	$6,129,321
1	8	$26,907	$10,982	$15,925	$6,113,396
1	9	$26,907	$10,953	$15,953	$6,097,442
1	10	$26,907	$10,925	$15,982	$6,081,460
1	11	$26,907	$10,896	$16,011	$6,065,450
1	12	$26,907	$10,867	$16,039	$6,049,410
2	13	$26,907	$10,839	$16,068	$6,033,342
2	14	$26,907	$10,810	$16,097	$6,017,246
2	15	$26,907	$10,781	$16,126	$6,001,120
2	16	$26,907	$10,752	$16,155	$5,984,965
2	17	$26,907	$10,723	$16,183	$5,968,782
2	18	$26,907	$10,694	$16,212	$5,952,569
2	19	$26,907	$10,665	$16,242	$5,936,328
2	20	$26,907	$10,636	$16,271	$5,920,057
2	21	$26,907	$10,607	$16,300	$5,903,757
2	22	$26,907	$10,578	$16,329	$5,887,428
2	23	$26,907	$10,548	$16,358	$5,871,070
2	24	$26,907	$10,519	$16,388	$5,854,683
3	25	$26,907	$10,490	$16,417	$5,838,266
3	26	$26,907	$10,460	$16,446	$5,821,819
3	27	$26,907	$10,431	$16,476	$5,805,344
3	28	$26,907	$10,401	$16,505	$5,788,838
3	29	$26,907	$10,372	$16,535	$5,772,303
3	30	$26,907	$10,342	$16,565	$5,755,739
3	31	$26,907	$10,312	$16,594	$5,739,145
3	32	$26,907	$10,283	$16,624	$5,722,521
3	33	$26,907	$10,253	$16,654	$5,705,867
3	34	$26,907	$10,223	$16,684	$5,689,183
3	35	$26,907	$10,193	$16,713	$5,672,470
3	36	$26,907	$10,163	$16,743	$5,655,727
4	37	$26,907	$10,133	$16,773	$5,638,953
4	38	$26,907	$10,103	$16,803	$5,622,150
4	39	$26,907	$10,073	$16,834	$5,605,316
4	40	$26,907	$10,043	$16,864	$5,588,452
4	41	$26,907	$10,013	$16,894	$5,571,559
4	42	$26,907	$9,982	$16,924	$5,554,634
4	43	$26,907	$9,952	$16,955	$5,537,680
4	44	$26,907	$9,922	$16,985	$5,520,695
4	45	$26,907	$9,891	$17,015	$5,503,680
4	46	$26,907	$9,861	$17,046	$5,486,634
4	47	$26,907	$9,830	$17,076	$5,469,558
4	48	$26,907	$9,800	$17,107	$5,452,451
5	49	$26,907	$9,769	$17,138	$5,435,313
5	50	$26,907	$9,738	$17,168	$5,418,145
5	51	$26,907	$9,708	$17,199	$5,400,946
5	52	$26,907	$9,677	$17,230	$5,383,716
5	53	$26,907	$9,646	$17,261	$5,366,455
5	54	$26,907	$9,615	$17,292	$5,349,163
5	55	$26,907	$9,584	$17,323	$5,331,841
5	56	$26,907	$9,553	$17,354	$5,314,487
5	57	$26,907	$9,522	$17,385	$5,297,102
5	58	$26,907	$9,491	$17,416	$5,279,686
5	59	$26,907	$9,459	$17,447	$5,262,239
5	60	$26,907	$9,428	$17,478	$5,244,761
6	61	$26,907	$9,397	$17,510	$5,227,251
6	62	$26,907	$9,365	$17,541	$5,209,710
6	63	$26,907	$9,334	$17,572	$5,192,138
6	64	$26,907	$9,303	$17,604	$5,174,534
6	65	$26,907	$9,271	$17,636	$5,156,898
6	66	$26,907	$9,239	$17,667	$5,139,231
6	67	$26,907	$9,208	$17,699	$5,121,532
6	68	$26,907	$9,176	$17,730	$5,103,802
6	69	$26,907	$9,144	$17,762	$5,086,039
6	70	$26,907	$9,112	$17,794	$5,068,245
6	71	$26,907	$9,081	$17,826	$5,050,419
6	72	$26,907	$9,049	$17,858	$5,032,562
7	73	$26,907	$9,017	$17,890	$5,014,672
7	74	$26,907	$8,985	$17,922	$4,996,750
7	75	$26,907	$8,953	$17,954	$4,978,796
7	76	$26,907	$8,920	$17,986	$4,960,809
7	77	$26,907	$8,888	$18,018	$4,942,791
7	78	$26,907	$8,856	$18,051	$4,924,740
7	79	$26,907	$8,823	$18,083	$4,906,657
7	80	$26,907	$8,791	$18,115	$4,888,542
7	81	$26,907	$8,759	$18,148	$4,870,394
7	82	$26,907	$8,726	$18,180	$4,852,213
7	83	$26,907	$8,694	$18,213	$4,834,000
7	84	$26,907	$8,661	$18,246	$4,815,755
8	85	$26,907	$8,628	$18,278	$4,797,476
8	86	$26,907	$8,595	$18,311	$4,779,165
8	87	$26,907	$8,563	$18,344	$4,760,821
8	88	$26,907	$8,530	$18,377	$4,742,445
8	89	$26,907	$8,497	$18,410	$4,724,035
8	90	$26,907	$8,464	$18,443	$4,705,592
8	91	$26,907	$8,431	$18,476	$4,687,117
8	92	$26,907	$8,398	$18,509	$4,668,608
8	93	$26,907	$8,365	$18,542	$4,650,066
8	94	$26,907	$8,331	$18,575	$4,631,491
8	95	$26,907	$8,298	$18,608	$4,612,882
8	96	$26,907	$8,265	$18,642	$4,594,240
9	97	$26,907	$8,231	$18,675	$4,575,565
9	98	$26,907	$8,198	$18,709	$4,556,856
9	99	$26,907	$8,164	$18,742	$4,538,114
9	100	$26,907	$8,131	$18,776	$4,519,338
9	101	$26,907	$8,097	$18,809	$4,500,529
9	102	$26,907	$8,063	$18,843	$4,481,686
9	103	$26,907	$8,030	$18,877	$4,462,809
9	104	$26,907	$7,996	$18,911	$4,443,898
9	105	$26,907	$7,962	$18,945	$4,424,954
9	106	$26,907	$7,928	$18,979	$4,405,975
9	107	$26,907	$7,894	$19,013	$4,386,963
9	108	$26,907	$7,860	$19,047	$4,367,916
10	109	$26,907	$7,826	$19,081	$4,348,835
10	110	$26,907	$7,792	$19,115	$4,329,721
10	111	$26,907	$7,757	$19,149	$4,310,571
10	112	$26,907	$7,723	$19,183	$4,291,388
10	113	$26,907	$7,689	$19,218	$4,272,170
10	114	$26,907	$7,654	$19,252	$4,252,918
10	115	$26,907	$7,620	$19,287	$4,233,631
10	116	$26,907	$7,585	$19,321	$4,214,310
10	117	$26,907	$7,551	$19,356	$4,194,954
10	118	$26,907	$7,516	$19,391	$4,175,563
10	119	$26,907	$7,481	$19,425	$4,156,138
10	120	$26,907	$7,446	$19,460	$4,136,678
11	121	$26,907	$7,412	$19,495	$4,117,183
11	122	$26,907	$7,377	$19,530	$4,097,653
11	123	$26,907	$7,342	$19,565	$4,078,088
11	124	$26,907	$7,307	$19,600	$4,058,488
11	125	$26,907	$7,271	$19,635	$4,038,853
11	126	$26,907	$7,236	$19,670	$4,019,183
11	127	$26,907	$7,201	$19,706	$3,999,477
11	128	$26,907	$7,166	$19,741	$3,979,736
11	129	$26,907	$7,130	$19,776	$3,959,960
11	130	$26,907	$7,095	$19,812	$3,940,148
11	131	$26,907	$7,059	$19,847	$3,920,301
11	132	$26,907	$7,024	$19,883	$3,900,418
12	133	$26,907	$6,988	$19,918	$3,880,500
12	134	$26,907	$6,953	$19,954	$3,860,546
12	135	$26,907	$6,917	$19,990	$3,840,556
12	136	$26,907	$6,881	$20,026	$3,820,531
12	137	$26,907	$6,845	$20,061	$3,800,469
12	138	$26,907	$6,809	$20,097	$3,780,372
12	139	$26,907	$6,773	$20,133	$3,760,239
12	140	$26,907	$6,737	$20,169	$3,740,069
12	141	$26,907	$6,701	$20,206	$3,719,864
12	142	$26,907	$6,665	$20,242	$3,699,622
12	143	$26,907	$6,628	$20,278	$3,679,344
12	144	$26,907	$6,592	$20,314	$3,659,029
13	145	$26,907	$6,556	$20,351	$3,638,678
13	146	$26,907	$6,519	$20,387	$3,618,291
13	147	$26,907	$6,483	$20,424	$3,597,867
13	148	$26,907	$6,446	$20,460	$3,577,407
13	149	$26,907	$6,410	$20,497	$3,556,910
13	150	$26,907	$6,373	$20,534	$3,536,376
13	151	$26,907	$6,336	$20,571	$3,515,806
13	152	$26,907	$6,299	$20,607	$3,495,198
13	153	$26,907	$6,262	$20,644	$3,474,554
13	154	$26,907	$6,225	$20,681	$3,453,873
13	155	$26,907	$6,188	$20,718	$3,433,154
13	156	$26,907	$6,151	$20,755	$3,412,399
14	157	$26,907	$6,114	$20,793	$3,391,606
14	158	$26,907	$6,077	$20,830	$3,370,776
14	159	$26,907	$6,039	$20,867	$3,349,909
14	160	$26,907	$6,002	$20,905	$3,329,004
14	161	$26,907	$5,964	$20,942	$3,308,062
14	162	$26,907	$5,927	$20,980	$3,287,083
14	163	$26,907	$5,889	$21,017	$3,266,065
14	164	$26,907	$5,852	$21,055	$3,245,010
14	165	$26,907	$5,814	$21,093	$3,223,918
14	166	$26,907	$5,776	$21,130	$3,202,787
14	167	$26,907	$5,738	$21,168	$3,181,619
14	168	$26,907	$5,700	$21,206	$3,160,413
15	169	$26,907	$5,662	$21,244	$3,139,169
15	170	$26,907	$5,624	$21,282	$3,117,887
15	171	$26,907	$5,586	$21,320	$3,096,566
15	172	$26,907	$5,548	$21,359	$3,075,208
15	173	$26,907	$5,510	$21,397	$3,053,811
15	174	$26,907	$5,471	$21,435	$3,032,376
15	175	$26,907	$5,433	$21,474	$3,010,902
15	176	$26,907	$5,395	$21,512	$2,989,390
15	177	$26,907	$5,356	$21,551	$2,967,840
15	178	$26,907	$5,317	$21,589	$2,946,251
15	179	$26,907	$5,279	$21,628	$2,924,623
15	180	$26,907	$5,240	$21,667	$2,902,956
16	181	$26,907	$5,201	$21,705	$2,881,251
16	182	$26,907	$5,162	$21,744	$2,859,506
16	183	$26,907	$5,123	$21,783	$2,837,723
16	184	$26,907	$5,084	$21,822	$2,815,901
16	185	$26,907	$5,045	$21,861	$2,794,039
16	186	$26,907	$5,006	$21,901	$2,772,139
16	187	$26,907	$4,967	$21,940	$2,750,199
16	188	$26,907	$4,927	$21,979	$2,728,220
16	189	$26,907	$4,888	$22,019	$2,706,201
16	190	$26,907	$4,849	$22,058	$2,684,143
16	191	$26,907	$4,809	$22,097	$2,662,046
16	192	$26,907	$4,769	$22,137	$2,639,909
17	193	$26,907	$4,730	$22,177	$2,617,732
17	194	$26,907	$4,690	$22,216	$2,595,516
17	195	$26,907	$4,650	$22,256	$2,573,259
17	196	$26,907	$4,610	$22,296	$2,550,963
17	197	$26,907	$4,570	$22,336	$2,528,627
17	198	$26,907	$4,530	$22,376	$2,506,251
17	199	$26,907	$4,490	$22,416	$2,483,835
17	200	$26,907	$4,450	$22,456	$2,461,378
17	201	$26,907	$4,410	$22,497	$2,438,882
17	202	$26,907	$4,370	$22,537	$2,416,345
17	203	$26,907	$4,329	$22,577	$2,393,768
17	204	$26,907	$4,289	$22,618	$2,371,150
18	205	$26,907	$4,248	$22,658	$2,348,492
18	206	$26,907	$4,208	$22,699	$2,325,793
18	207	$26,907	$4,167	$22,740	$2,303,053
18	208	$26,907	$4,126	$22,780	$2,280,273
18	209	$26,907	$4,085	$22,821	$2,257,452
18	210	$26,907	$4,045	$22,862	$2,234,590
18	211	$26,907	$4,004	$22,903	$2,211,687
18	212	$26,907	$3,963	$22,944	$2,188,743
18	213	$26,907	$3,921	$22,985	$2,165,758
18	214	$26,907	$3,880	$23,026	$2,142,732
18	215	$26,907	$3,839	$23,068	$2,119,664
18	216	$26,907	$3,798	$23,109	$2,096,556
19	217	$26,907	$3,756	$23,150	$2,073,405
19	218	$26,907	$3,715	$23,192	$2,050,214
19	219	$26,907	$3,673	$23,233	$2,026,980
19	220	$26,907	$3,632	$23,275	$2,003,705
19	221	$26,907	$3,590	$23,317	$1,980,389
19	222	$26,907	$3,548	$23,358	$1,957,030
19	223	$26,907	$3,506	$23,400	$1,933,630
19	224	$26,907	$3,464	$23,442	$1,910,188
19	225	$26,907	$3,422	$23,484	$1,886,704
19	226	$26,907	$3,380	$23,526	$1,863,178
19	227	$26,907	$3,338	$23,568	$1,839,609
19	228	$26,907	$3,296	$23,611	$1,815,999
20	229	$26,907	$3,254	$23,653	$1,792,346
20	230	$26,907	$3,211	$23,695	$1,768,651
20	231	$26,907	$3,169	$23,738	$1,744,913
20	232	$26,907	$3,126	$23,780	$1,721,133
20	233	$26,907	$3,084	$23,823	$1,697,310
20	234	$26,907	$3,041	$23,866	$1,673,444
20	235	$26,907	$2,998	$23,908	$1,649,536
20	236	$26,907	$2,955	$23,951	$1,625,585
20	237	$26,907	$2,913	$23,994	$1,601,591
20	238	$26,907	$2,870	$24,037	$1,577,554
20	239	$26,907	$2,826	$24,080	$1,553,474
20	240	$26,907	$2,783	$24,123	$1,529,350
21	241	$26,907	$2,740	$24,166	$1,505,184
21	242	$26,907	$2,697	$24,210	$1,480,974
21	243	$26,907	$2,653	$24,253	$1,456,721
21	244	$26,907	$2,610	$24,297	$1,432,424
21	245	$26,907	$2,566	$24,340	$1,408,084
21	246	$26,907	$2,523	$24,384	$1,383,700
21	247	$26,907	$2,479	$24,427	$1,359,273
21	248	$26,907	$2,435	$24,471	$1,334,802
21	249	$26,907	$2,392	$24,515	$1,310,287
21	250	$26,907	$2,348	$24,559	$1,285,728
21	251	$26,907	$2,304	$24,603	$1,261,125
21	252	$26,907	$2,260	$24,647	$1,236,478
22	253	$26,907	$2,215	$24,691	$1,211,787
22	254	$26,907	$2,171	$24,735	$1,187,051
22	255	$26,907	$2,127	$24,780	$1,162,271
22	256	$26,907	$2,082	$24,824	$1,137,447
22	257	$26,907	$2,038	$24,869	$1,112,579
22	258	$26,907	$1,993	$24,913	$1,087,665
22	259	$26,907	$1,949	$24,958	$1,062,708
22	260	$26,907	$1,904	$25,003	$1,037,705
22	261	$26,907	$1,859	$25,047	$1,012,658
22	262	$26,907	$1,814	$25,092	$987,565
22	263	$26,907	$1,769	$25,137	$962,428
22	264	$26,907	$1,724	$25,182	$937,246
23	265	$26,907	$1,679	$25,227	$912,019
23	266	$26,907	$1,634	$25,273	$886,746
23	267	$26,907	$1,589	$25,318	$861,428
23	268	$26,907	$1,543	$25,363	$836,065
23	269	$26,907	$1,498	$25,409	$810,657
23	270	$26,907	$1,452	$25,454	$785,202
23	271	$26,907	$1,407	$25,500	$759,703
23	272	$26,907	$1,361	$25,545	$734,157
23	273	$26,907	$1,315	$25,591	$708,566
23	274	$26,907	$1,270	$25,637	$682,929
23	275	$26,907	$1,224	$25,683	$657,246
23	276	$26,907	$1,178	$25,729	$631,517
24	277	$26,907	$1,131	$25,775	$605,742
24	278	$26,907	$1,085	$25,821	$579,921
24	279	$26,907	$1,039	$25,868	$554,053
24	280	$26,907	$993	$25,914	$528,139
24	281	$26,907	$946	$25,960	$502,179
24	282	$26,907	$900	$26,007	$476,172
24	283	$26,907	$853	$26,053	$450,119
24	284	$26,907	$806	$26,100	$424,019
24	285	$26,907	$760	$26,147	$397,872
24	286	$26,907	$713	$26,194	$371,678
24	287	$26,907	$666	$26,241	$345,437
24	288	$26,907	$619	$26,288	$319,150
25	289	$26,907	$572	$26,335	$292,815
25	290	$26,907	$525	$26,382	$266,433
25	291	$26,907	$477	$26,429	$240,004
25	292	$26,907	$430	$26,477	$213,527
25	293	$26,907	$383	$26,524	$187,003
25	294	$26,907	$335	$26,572	$160,432
25	295	$26,907	$287	$26,619	$133,813
25	296	$26,907	$240	$26,667	$107,146
25	297	$26,907	$192	$26,715	$80,431
25	298	$26,907	$144	$26,762	$53,669
25	299	$26,907	$96	$26,810	$26,858
25	300	$26,907	$48	$26,858	$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$ 4,160,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,264,000

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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.