Century 21 Centaland Property

Down Payment (HKD)

$4,920,000

Monthly Repayment (HKD)

$31,822

Loan Amount (HKD)

$7,380,000

Total Interest (HKD)

$2,166,655

Total Repayment (HKD)

$9,546,655

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$31,822	$13,223	$18,600	$7,361,400
1	2	$31,822	$13,189	$18,633	$7,342,767
1	3	$31,822	$13,156	$18,666	$7,324,101
1	4	$31,822	$13,122	$18,700	$7,305,401
1	5	$31,822	$13,089	$18,733	$7,286,668
1	6	$31,822	$13,055	$18,767	$7,267,901
1	7	$31,822	$13,022	$18,801	$7,249,100
1	8	$31,822	$12,988	$18,834	$7,230,266
1	9	$31,822	$12,954	$18,868	$7,211,398
1	10	$31,822	$12,920	$18,902	$7,192,496
1	11	$31,822	$12,887	$18,936	$7,173,561
1	12	$31,822	$12,853	$18,970	$7,154,591
2	13	$31,822	$12,819	$19,004	$7,135,588
2	14	$31,822	$12,785	$19,038	$7,116,550
2	15	$31,822	$12,750	$19,072	$7,097,478
2	16	$31,822	$12,716	$19,106	$7,078,372
2	17	$31,822	$12,682	$19,140	$7,059,232
2	18	$31,822	$12,648	$19,174	$7,040,058
2	19	$31,822	$12,613	$19,209	$7,020,849
2	20	$31,822	$12,579	$19,243	$7,001,606
2	21	$31,822	$12,545	$19,278	$6,982,328
2	22	$31,822	$12,510	$19,312	$6,963,016
2	23	$31,822	$12,475	$19,347	$6,943,669
2	24	$31,822	$12,441	$19,381	$6,924,288
3	25	$31,822	$12,406	$19,416	$6,904,872
3	26	$31,822	$12,371	$19,451	$6,885,421
3	27	$31,822	$12,336	$19,486	$6,865,935
3	28	$31,822	$12,301	$19,521	$6,846,414
3	29	$31,822	$12,266	$19,556	$6,826,859
3	30	$31,822	$12,231	$19,591	$6,807,268
3	31	$31,822	$12,196	$19,626	$6,787,642
3	32	$31,822	$12,161	$19,661	$6,767,981
3	33	$31,822	$12,126	$19,696	$6,748,285
3	34	$31,822	$12,091	$19,732	$6,728,553
3	35	$31,822	$12,055	$19,767	$6,708,787
3	36	$31,822	$12,020	$19,802	$6,688,984
4	37	$31,822	$11,984	$19,838	$6,669,147
4	38	$31,822	$11,949	$19,873	$6,649,273
4	39	$31,822	$11,913	$19,909	$6,629,364
4	40	$31,822	$11,878	$19,945	$6,609,420
4	41	$31,822	$11,842	$19,980	$6,589,439
4	42	$31,822	$11,806	$20,016	$6,569,423
4	43	$31,822	$11,770	$20,052	$6,549,371
4	44	$31,822	$11,734	$20,088	$6,529,284
4	45	$31,822	$11,698	$20,124	$6,509,160
4	46	$31,822	$11,662	$20,160	$6,489,000
4	47	$31,822	$11,626	$20,196	$6,468,804
4	48	$31,822	$11,590	$20,232	$6,448,571
5	49	$31,822	$11,554	$20,268	$6,428,303
5	50	$31,822	$11,517	$20,305	$6,407,998
5	51	$31,822	$11,481	$20,341	$6,387,657
5	52	$31,822	$11,445	$20,378	$6,367,279
5	53	$31,822	$11,408	$20,414	$6,346,865
5	54	$31,822	$11,371	$20,451	$6,326,414
5	55	$31,822	$11,335	$20,487	$6,305,927
5	56	$31,822	$11,298	$20,524	$6,285,403
5	57	$31,822	$11,261	$20,561	$6,264,842
5	58	$31,822	$11,225	$20,598	$6,244,244
5	59	$31,822	$11,188	$20,635	$6,223,610
5	60	$31,822	$11,151	$20,672	$6,202,938
6	61	$31,822	$11,114	$20,709	$6,182,230
6	62	$31,822	$11,076	$20,746	$6,161,484
6	63	$31,822	$11,039	$20,783	$6,140,701
6	64	$31,822	$11,002	$20,820	$6,119,881
6	65	$31,822	$10,965	$20,857	$6,099,024
6	66	$31,822	$10,927	$20,895	$6,078,129
6	67	$31,822	$10,890	$20,932	$6,057,197
6	68	$31,822	$10,852	$20,970	$6,036,227
6	69	$31,822	$10,815	$21,007	$6,015,220
6	70	$31,822	$10,777	$21,045	$5,994,175
6	71	$31,822	$10,740	$21,083	$5,973,092
6	72	$31,822	$10,702	$21,120	$5,951,972
7	73	$31,822	$10,664	$21,158	$5,930,814
7	74	$31,822	$10,626	$21,196	$5,909,617
7	75	$31,822	$10,588	$21,234	$5,888,383
7	76	$31,822	$10,550	$21,272	$5,867,111
7	77	$31,822	$10,512	$21,310	$5,845,801
7	78	$31,822	$10,474	$21,348	$5,824,452
7	79	$31,822	$10,435	$21,387	$5,803,066
7	80	$31,822	$10,397	$21,425	$5,781,641
7	81	$31,822	$10,359	$21,463	$5,760,177
7	82	$31,822	$10,320	$21,502	$5,738,675
7	83	$31,822	$10,282	$21,540	$5,717,135
7	84	$31,822	$10,243	$21,579	$5,695,556
8	85	$31,822	$10,205	$21,618	$5,673,938
8	86	$31,822	$10,166	$21,656	$5,652,282
8	87	$31,822	$10,127	$21,695	$5,630,587
8	88	$31,822	$10,088	$21,734	$5,608,853
8	89	$31,822	$10,049	$21,773	$5,587,080
8	90	$31,822	$10,010	$21,812	$5,565,268
8	91	$31,822	$9,971	$21,851	$5,543,417
8	92	$31,822	$9,932	$21,890	$5,521,526
8	93	$31,822	$9,893	$21,929	$5,499,597
8	94	$31,822	$9,853	$21,969	$5,477,628
8	95	$31,822	$9,814	$22,008	$5,455,620
8	96	$31,822	$9,775	$22,048	$5,433,573
9	97	$31,822	$9,735	$22,087	$5,411,486
9	98	$31,822	$9,696	$22,127	$5,389,359
9	99	$31,822	$9,656	$22,166	$5,367,193
9	100	$31,822	$9,616	$22,206	$5,344,987
9	101	$31,822	$9,576	$22,246	$5,322,741
9	102	$31,822	$9,537	$22,286	$5,300,455
9	103	$31,822	$9,497	$22,326	$5,278,130
9	104	$31,822	$9,457	$22,366	$5,255,764
9	105	$31,822	$9,417	$22,406	$5,233,359
9	106	$31,822	$9,376	$22,446	$5,210,913
9	107	$31,822	$9,336	$22,486	$5,188,427
9	108	$31,822	$9,296	$22,526	$5,165,901
10	109	$31,822	$9,256	$22,567	$5,143,334
10	110	$31,822	$9,215	$22,607	$5,120,727
10	111	$31,822	$9,175	$22,648	$5,098,080
10	112	$31,822	$9,134	$22,688	$5,075,391
10	113	$31,822	$9,093	$22,729	$5,052,663
10	114	$31,822	$9,053	$22,769	$5,029,893
10	115	$31,822	$9,012	$22,810	$5,007,083
10	116	$31,822	$8,971	$22,851	$4,984,232
10	117	$31,822	$8,930	$22,892	$4,961,340
10	118	$31,822	$8,889	$22,933	$4,938,407
10	119	$31,822	$8,848	$22,974	$4,915,432
10	120	$31,822	$8,807	$23,015	$4,892,417
11	121	$31,822	$8,766	$23,057	$4,869,360
11	122	$31,822	$8,724	$23,098	$4,846,262
11	123	$31,822	$8,683	$23,139	$4,823,123
11	124	$31,822	$8,641	$23,181	$4,799,942
11	125	$31,822	$8,600	$23,222	$4,776,720
11	126	$31,822	$8,558	$23,264	$4,753,456
11	127	$31,822	$8,517	$23,306	$4,730,151
11	128	$31,822	$8,475	$23,347	$4,706,803
11	129	$31,822	$8,433	$23,389	$4,683,414
11	130	$31,822	$8,391	$23,431	$4,659,983
11	131	$31,822	$8,349	$23,473	$4,636,510
11	132	$31,822	$8,307	$23,515	$4,612,995
12	133	$31,822	$8,265	$23,557	$4,589,438
12	134	$31,822	$8,223	$23,599	$4,565,838
12	135	$31,822	$8,180	$23,642	$4,542,197
12	136	$31,822	$8,138	$23,684	$4,518,512
12	137	$31,822	$8,096	$23,727	$4,494,786
12	138	$31,822	$8,053	$23,769	$4,471,017
12	139	$31,822	$8,011	$23,812	$4,447,205
12	140	$31,822	$7,968	$23,854	$4,423,351
12	141	$31,822	$7,925	$23,897	$4,399,454
12	142	$31,822	$7,882	$23,940	$4,375,514
12	143	$31,822	$7,839	$23,983	$4,351,531
12	144	$31,822	$7,796	$24,026	$4,327,506
13	145	$31,822	$7,753	$24,069	$4,303,437
13	146	$31,822	$7,710	$24,112	$4,279,325
13	147	$31,822	$7,667	$24,155	$4,255,170
13	148	$31,822	$7,624	$24,198	$4,230,972
13	149	$31,822	$7,580	$24,242	$4,206,730
13	150	$31,822	$7,537	$24,285	$4,182,445
13	151	$31,822	$7,494	$24,329	$4,158,116
13	152	$31,822	$7,450	$24,372	$4,133,744
13	153	$31,822	$7,406	$24,416	$4,109,328
13	154	$31,822	$7,363	$24,460	$4,084,869
13	155	$31,822	$7,319	$24,503	$4,060,365
13	156	$31,822	$7,275	$24,547	$4,035,818
14	157	$31,822	$7,231	$24,591	$4,011,226
14	158	$31,822	$7,187	$24,635	$3,986,591
14	159	$31,822	$7,143	$24,680	$3,961,911
14	160	$31,822	$7,098	$24,724	$3,937,188
14	161	$31,822	$7,054	$24,768	$3,912,420
14	162	$31,822	$7,010	$24,812	$3,887,607
14	163	$31,822	$6,965	$24,857	$3,862,750
14	164	$31,822	$6,921	$24,901	$3,837,849
14	165	$31,822	$6,876	$24,946	$3,812,903
14	166	$31,822	$6,831	$24,991	$3,787,912
14	167	$31,822	$6,787	$25,036	$3,762,877
14	168	$31,822	$6,742	$25,080	$3,737,796
15	169	$31,822	$6,697	$25,125	$3,712,671
15	170	$31,822	$6,652	$25,170	$3,687,501
15	171	$31,822	$6,607	$25,215	$3,662,285
15	172	$31,822	$6,562	$25,261	$3,637,025
15	173	$31,822	$6,516	$25,306	$3,611,719
15	174	$31,822	$6,471	$25,351	$3,586,368
15	175	$31,822	$6,426	$25,397	$3,560,971
15	176	$31,822	$6,380	$25,442	$3,535,529
15	177	$31,822	$6,334	$25,488	$3,510,041
15	178	$31,822	$6,289	$25,533	$3,484,508
15	179	$31,822	$6,243	$25,579	$3,458,929
15	180	$31,822	$6,197	$25,625	$3,433,304
16	181	$31,822	$6,151	$25,671	$3,407,633
16	182	$31,822	$6,105	$25,717	$3,381,916
16	183	$31,822	$6,059	$25,763	$3,356,153
16	184	$31,822	$6,013	$25,809	$3,330,344
16	185	$31,822	$5,967	$25,855	$3,304,489
16	186	$31,822	$5,921	$25,902	$3,278,587
16	187	$31,822	$5,874	$25,948	$3,252,639
16	188	$31,822	$5,828	$25,995	$3,226,645
16	189	$31,822	$5,781	$26,041	$3,200,603
16	190	$31,822	$5,734	$26,088	$3,174,516
16	191	$31,822	$5,688	$26,135	$3,148,381
16	192	$31,822	$5,641	$26,181	$3,122,200
17	193	$31,822	$5,594	$26,228	$3,095,972
17	194	$31,822	$5,547	$26,275	$3,069,696
17	195	$31,822	$5,500	$26,322	$3,043,374
17	196	$31,822	$5,453	$26,369	$3,017,005
17	197	$31,822	$5,405	$26,417	$2,990,588
17	198	$31,822	$5,358	$26,464	$2,964,124
17	199	$31,822	$5,311	$26,511	$2,937,612
17	200	$31,822	$5,263	$26,559	$2,911,053
17	201	$31,822	$5,216	$26,607	$2,884,447
17	202	$31,822	$5,168	$26,654	$2,857,793
17	203	$31,822	$5,120	$26,702	$2,831,091
17	204	$31,822	$5,072	$26,750	$2,804,341
18	205	$31,822	$5,024	$26,798	$2,777,543
18	206	$31,822	$4,976	$26,846	$2,750,697
18	207	$31,822	$4,928	$26,894	$2,723,803
18	208	$31,822	$4,880	$26,942	$2,696,861
18	209	$31,822	$4,832	$26,990	$2,669,871
18	210	$31,822	$4,784	$27,039	$2,642,832
18	211	$31,822	$4,735	$27,087	$2,615,745
18	212	$31,822	$4,687	$27,136	$2,588,610
18	213	$31,822	$4,638	$27,184	$2,561,425
18	214	$31,822	$4,589	$27,233	$2,534,193
18	215	$31,822	$4,540	$27,282	$2,506,911
18	216	$31,822	$4,492	$27,331	$2,479,580
19	217	$31,822	$4,443	$27,380	$2,452,201
19	218	$31,822	$4,394	$27,429	$2,424,772
19	219	$31,822	$4,344	$27,478	$2,397,294
19	220	$31,822	$4,295	$27,527	$2,369,767
19	221	$31,822	$4,246	$27,576	$2,342,191
19	222	$31,822	$4,196	$27,626	$2,314,565
19	223	$31,822	$4,147	$27,675	$2,286,890
19	224	$31,822	$4,097	$27,725	$2,259,165
19	225	$31,822	$4,048	$27,775	$2,231,390
19	226	$31,822	$3,998	$27,824	$2,203,566
19	227	$31,822	$3,948	$27,874	$2,175,692
19	228	$31,822	$3,898	$27,924	$2,147,768
20	229	$31,822	$3,848	$27,974	$2,119,794
20	230	$31,822	$3,798	$28,024	$2,091,770
20	231	$31,822	$3,748	$28,074	$2,063,695
20	232	$31,822	$3,697	$28,125	$2,035,570
20	233	$31,822	$3,647	$28,175	$2,007,395
20	234	$31,822	$3,597	$28,226	$1,979,170
20	235	$31,822	$3,546	$28,276	$1,950,893
20	236	$31,822	$3,495	$28,327	$1,922,567
20	237	$31,822	$3,445	$28,378	$1,894,189
20	238	$31,822	$3,394	$28,428	$1,865,761
20	239	$31,822	$3,343	$28,479	$1,837,281
20	240	$31,822	$3,292	$28,530	$1,808,751
21	241	$31,822	$3,241	$28,582	$1,780,169
21	242	$31,822	$3,189	$28,633	$1,751,537
21	243	$31,822	$3,138	$28,684	$1,722,853
21	244	$31,822	$3,087	$28,735	$1,694,117
21	245	$31,822	$3,035	$28,787	$1,665,330
21	246	$31,822	$2,984	$28,838	$1,636,492
21	247	$31,822	$2,932	$28,890	$1,607,602
21	248	$31,822	$2,880	$28,942	$1,578,660
21	249	$31,822	$2,828	$28,994	$1,549,666
21	250	$31,822	$2,776	$29,046	$1,520,620
21	251	$31,822	$2,724	$29,098	$1,491,523
21	252	$31,822	$2,672	$29,150	$1,462,373
22	253	$31,822	$2,620	$29,202	$1,433,171
22	254	$31,822	$2,568	$29,254	$1,403,916
22	255	$31,822	$2,515	$29,307	$1,374,609
22	256	$31,822	$2,463	$29,359	$1,345,250
22	257	$31,822	$2,410	$29,412	$1,315,838
22	258	$31,822	$2,358	$29,465	$1,286,373
22	259	$31,822	$2,305	$29,517	$1,256,856
22	260	$31,822	$2,252	$29,570	$1,227,286
22	261	$31,822	$2,199	$29,623	$1,197,662
22	262	$31,822	$2,146	$29,676	$1,167,986
22	263	$31,822	$2,093	$29,730	$1,138,257
22	264	$31,822	$2,039	$29,783	$1,108,474
23	265	$31,822	$1,986	$29,836	$1,078,638
23	266	$31,822	$1,933	$29,890	$1,048,748
23	267	$31,822	$1,879	$29,943	$1,018,805
23	268	$31,822	$1,825	$29,997	$988,808
23	269	$31,822	$1,772	$30,051	$958,757
23	270	$31,822	$1,718	$30,104	$928,653
23	271	$31,822	$1,664	$30,158	$898,495
23	272	$31,822	$1,610	$30,212	$868,282
23	273	$31,822	$1,556	$30,267	$838,016
23	274	$31,822	$1,501	$30,321	$807,695
23	275	$31,822	$1,447	$30,375	$777,320
23	276	$31,822	$1,393	$30,429	$746,890
24	277	$31,822	$1,338	$30,484	$716,406
24	278	$31,822	$1,284	$30,539	$685,868
24	279	$31,822	$1,229	$30,593	$655,274
24	280	$31,822	$1,174	$30,648	$624,626
24	281	$31,822	$1,119	$30,703	$593,923
24	282	$31,822	$1,064	$30,758	$563,165
24	283	$31,822	$1,009	$30,813	$532,352
24	284	$31,822	$954	$30,868	$501,484
24	285	$31,822	$898	$30,924	$470,560
24	286	$31,822	$843	$30,979	$439,581
24	287	$31,822	$788	$31,035	$408,546
24	288	$31,822	$732	$31,090	$377,456
25	289	$31,822	$676	$31,146	$346,310
25	290	$31,822	$620	$31,202	$315,108
25	291	$31,822	$565	$31,258	$283,851
25	292	$31,822	$509	$31,314	$252,537
25	293	$31,822	$452	$31,370	$221,167
25	294	$31,822	$396	$31,426	$189,741
25	295	$31,822	$340	$31,482	$158,259
25	296	$31,822	$284	$31,539	$126,721
25	297	$31,822	$227	$31,595	$95,125
25	298	$31,822	$170	$31,652	$63,474
25	299	$31,822	$114	$31,708	$31,765
25	300	$31,822	$57	$31,765	$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$ 4,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,043,000

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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.