Century 21 Centaland Property

Down Payment (HKD)

$2,780,000

Monthly Repayment (HKD)

$17,981

Loan Amount (HKD)

$4,170,000

Total Interest (HKD)

$1,224,248

Total Repayment (HKD)

$5,394,248

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$17,981	$7,471	$10,510	$4,159,490
1	2	$17,981	$7,452	$10,528	$4,148,962
1	3	$17,981	$7,434	$10,547	$4,138,415
1	4	$17,981	$7,415	$10,566	$4,127,849
1	5	$17,981	$7,396	$10,585	$4,117,263
1	6	$17,981	$7,377	$10,604	$4,106,659
1	7	$17,981	$7,358	$10,623	$4,096,036
1	8	$17,981	$7,339	$10,642	$4,085,394
1	9	$17,981	$7,320	$10,661	$4,074,733
1	10	$17,981	$7,301	$10,680	$4,064,053
1	11	$17,981	$7,281	$10,699	$4,053,353
1	12	$17,981	$7,262	$10,719	$4,042,635
2	13	$17,981	$7,243	$10,738	$4,031,897
2	14	$17,981	$7,224	$10,757	$4,021,140
2	15	$17,981	$7,205	$10,776	$4,010,364
2	16	$17,981	$7,185	$10,796	$3,999,568
2	17	$17,981	$7,166	$10,815	$3,988,753
2	18	$17,981	$7,147	$10,834	$3,977,919
2	19	$17,981	$7,127	$10,854	$3,967,065
2	20	$17,981	$7,108	$10,873	$3,956,192
2	21	$17,981	$7,088	$10,893	$3,945,299
2	22	$17,981	$7,069	$10,912	$3,934,387
2	23	$17,981	$7,049	$10,932	$3,923,456
2	24	$17,981	$7,030	$10,951	$3,912,504
3	25	$17,981	$7,010	$10,971	$3,901,533
3	26	$17,981	$6,990	$10,991	$3,890,543
3	27	$17,981	$6,971	$11,010	$3,879,532
3	28	$17,981	$6,951	$11,030	$3,868,502
3	29	$17,981	$6,931	$11,050	$3,857,453
3	30	$17,981	$6,911	$11,070	$3,846,383
3	31	$17,981	$6,891	$11,089	$3,835,294
3	32	$17,981	$6,872	$11,109	$3,824,184
3	33	$17,981	$6,852	$11,129	$3,813,055
3	34	$17,981	$6,832	$11,149	$3,801,906
3	35	$17,981	$6,812	$11,169	$3,790,737
3	36	$17,981	$6,792	$11,189	$3,779,548
4	37	$17,981	$6,772	$11,209	$3,768,339
4	38	$17,981	$6,752	$11,229	$3,757,110
4	39	$17,981	$6,731	$11,249	$3,745,860
4	40	$17,981	$6,711	$11,269	$3,734,591
4	41	$17,981	$6,691	$11,290	$3,723,301
4	42	$17,981	$6,671	$11,310	$3,711,991
4	43	$17,981	$6,651	$11,330	$3,700,661
4	44	$17,981	$6,630	$11,350	$3,689,311
4	45	$17,981	$6,610	$11,371	$3,677,940
4	46	$17,981	$6,590	$11,391	$3,666,549
4	47	$17,981	$6,569	$11,412	$3,655,137
4	48	$17,981	$6,549	$11,432	$3,643,705
5	49	$17,981	$6,528	$11,453	$3,632,252
5	50	$17,981	$6,508	$11,473	$3,620,779
5	51	$17,981	$6,487	$11,494	$3,609,286
5	52	$17,981	$6,467	$11,514	$3,597,772
5	53	$17,981	$6,446	$11,535	$3,586,237
5	54	$17,981	$6,425	$11,555	$3,574,681
5	55	$17,981	$6,405	$11,576	$3,563,105
5	56	$17,981	$6,384	$11,597	$3,551,508
5	57	$17,981	$6,363	$11,618	$3,539,890
5	58	$17,981	$6,342	$11,639	$3,528,252
5	59	$17,981	$6,321	$11,659	$3,516,593
5	60	$17,981	$6,301	$11,680	$3,504,912
6	61	$17,981	$6,280	$11,701	$3,493,211
6	62	$17,981	$6,259	$11,722	$3,481,489
6	63	$17,981	$6,238	$11,743	$3,469,746
6	64	$17,981	$6,217	$11,764	$3,457,982
6	65	$17,981	$6,196	$11,785	$3,446,196
6	66	$17,981	$6,174	$11,806	$3,434,390
6	67	$17,981	$6,153	$11,828	$3,422,562
6	68	$17,981	$6,132	$11,849	$3,410,714
6	69	$17,981	$6,111	$11,870	$3,398,844
6	70	$17,981	$6,090	$11,891	$3,386,952
6	71	$17,981	$6,068	$11,913	$3,375,040
6	72	$17,981	$6,047	$11,934	$3,363,106
7	73	$17,981	$6,026	$11,955	$3,351,151
7	74	$17,981	$6,004	$11,977	$3,339,174
7	75	$17,981	$5,983	$11,998	$3,327,176
7	76	$17,981	$5,961	$12,020	$3,315,156
7	77	$17,981	$5,940	$12,041	$3,303,115
7	78	$17,981	$5,918	$12,063	$3,291,052
7	79	$17,981	$5,896	$12,084	$3,278,968
7	80	$17,981	$5,875	$12,106	$3,266,862
7	81	$17,981	$5,853	$12,128	$3,254,734
7	82	$17,981	$5,831	$12,149	$3,242,585
7	83	$17,981	$5,810	$12,171	$3,230,414
7	84	$17,981	$5,788	$12,193	$3,218,221
8	85	$17,981	$5,766	$12,215	$3,206,006
8	86	$17,981	$5,744	$12,237	$3,193,769
8	87	$17,981	$5,722	$12,259	$3,181,510
8	88	$17,981	$5,700	$12,281	$3,169,230
8	89	$17,981	$5,678	$12,303	$3,156,927
8	90	$17,981	$5,656	$12,325	$3,144,603
8	91	$17,981	$5,634	$12,347	$3,132,256
8	92	$17,981	$5,612	$12,369	$3,119,887
8	93	$17,981	$5,590	$12,391	$3,107,496
8	94	$17,981	$5,568	$12,413	$3,095,083
8	95	$17,981	$5,545	$12,435	$3,082,647
8	96	$17,981	$5,523	$12,458	$3,070,189
9	97	$17,981	$5,501	$12,480	$3,057,709
9	98	$17,981	$5,478	$12,502	$3,045,207
9	99	$17,981	$5,456	$12,525	$3,032,682
9	100	$17,981	$5,434	$12,547	$3,020,135
9	101	$17,981	$5,411	$12,570	$3,007,565
9	102	$17,981	$5,389	$12,592	$2,994,973
9	103	$17,981	$5,366	$12,615	$2,982,358
9	104	$17,981	$5,343	$12,637	$2,969,721
9	105	$17,981	$5,321	$12,660	$2,957,060
9	106	$17,981	$5,298	$12,683	$2,944,378
9	107	$17,981	$5,275	$12,705	$2,931,672
9	108	$17,981	$5,253	$12,728	$2,918,944
10	109	$17,981	$5,230	$12,751	$2,906,193
10	110	$17,981	$5,207	$12,774	$2,893,419
10	111	$17,981	$5,184	$12,797	$2,880,622
10	112	$17,981	$5,161	$12,820	$2,867,803
10	113	$17,981	$5,138	$12,843	$2,854,960
10	114	$17,981	$5,115	$12,866	$2,842,094
10	115	$17,981	$5,092	$12,889	$2,829,205
10	116	$17,981	$5,069	$12,912	$2,816,294
10	117	$17,981	$5,046	$12,935	$2,803,359
10	118	$17,981	$5,023	$12,958	$2,790,400
10	119	$17,981	$4,999	$12,981	$2,777,419
10	120	$17,981	$4,976	$13,005	$2,764,414
11	121	$17,981	$4,953	$13,028	$2,751,387
11	122	$17,981	$4,930	$13,051	$2,738,335
11	123	$17,981	$4,906	$13,075	$2,725,261
11	124	$17,981	$4,883	$13,098	$2,712,163
11	125	$17,981	$4,859	$13,122	$2,699,041
11	126	$17,981	$4,836	$13,145	$2,685,896
11	127	$17,981	$4,812	$13,169	$2,672,727
11	128	$17,981	$4,789	$13,192	$2,659,535
11	129	$17,981	$4,765	$13,216	$2,646,319
11	130	$17,981	$4,741	$13,240	$2,633,080
11	131	$17,981	$4,718	$13,263	$2,619,817
11	132	$17,981	$4,694	$13,287	$2,606,530
12	133	$17,981	$4,670	$13,311	$2,593,219
12	134	$17,981	$4,646	$13,335	$2,579,884
12	135	$17,981	$4,622	$13,359	$2,566,526
12	136	$17,981	$4,598	$13,382	$2,553,143
12	137	$17,981	$4,574	$13,406	$2,539,737
12	138	$17,981	$4,550	$13,430	$2,526,306
12	139	$17,981	$4,526	$13,455	$2,512,852
12	140	$17,981	$4,502	$13,479	$2,499,373
12	141	$17,981	$4,478	$13,503	$2,485,870
12	142	$17,981	$4,454	$13,527	$2,472,343
12	143	$17,981	$4,430	$13,551	$2,458,792
12	144	$17,981	$4,405	$13,575	$2,445,217
13	145	$17,981	$4,381	$13,600	$2,431,617
13	146	$17,981	$4,357	$13,624	$2,417,993
13	147	$17,981	$4,332	$13,649	$2,404,344
13	148	$17,981	$4,308	$13,673	$2,390,671
13	149	$17,981	$4,283	$13,698	$2,376,974
13	150	$17,981	$4,259	$13,722	$2,363,251
13	151	$17,981	$4,234	$13,747	$2,349,505
13	152	$17,981	$4,210	$13,771	$2,335,733
13	153	$17,981	$4,185	$13,796	$2,321,937
13	154	$17,981	$4,160	$13,821	$2,308,117
13	155	$17,981	$4,135	$13,845	$2,294,271
13	156	$17,981	$4,111	$13,870	$2,280,401
14	157	$17,981	$4,086	$13,895	$2,266,506
14	158	$17,981	$4,061	$13,920	$2,252,586
14	159	$17,981	$4,036	$13,945	$2,238,641
14	160	$17,981	$4,011	$13,970	$2,224,671
14	161	$17,981	$3,986	$13,995	$2,210,676
14	162	$17,981	$3,961	$14,020	$2,196,656
14	163	$17,981	$3,936	$14,045	$2,182,611
14	164	$17,981	$3,911	$14,070	$2,168,541
14	165	$17,981	$3,885	$14,096	$2,154,445
14	166	$17,981	$3,860	$14,121	$2,140,324
14	167	$17,981	$3,835	$14,146	$2,126,178
14	168	$17,981	$3,809	$14,171	$2,112,007
15	169	$17,981	$3,784	$14,197	$2,097,810
15	170	$17,981	$3,759	$14,222	$2,083,588
15	171	$17,981	$3,733	$14,248	$2,069,340
15	172	$17,981	$3,708	$14,273	$2,055,067
15	173	$17,981	$3,682	$14,299	$2,040,768
15	174	$17,981	$3,656	$14,324	$2,026,443
15	175	$17,981	$3,631	$14,350	$2,012,093
15	176	$17,981	$3,605	$14,376	$1,997,718
15	177	$17,981	$3,579	$14,402	$1,983,316
15	178	$17,981	$3,553	$14,427	$1,968,889
15	179	$17,981	$3,528	$14,453	$1,954,435
15	180	$17,981	$3,502	$14,479	$1,939,956
16	181	$17,981	$3,476	$14,505	$1,925,451
16	182	$17,981	$3,450	$14,531	$1,910,920
16	183	$17,981	$3,424	$14,557	$1,896,363
16	184	$17,981	$3,398	$14,583	$1,881,780
16	185	$17,981	$3,372	$14,609	$1,867,170
16	186	$17,981	$3,345	$14,635	$1,852,535
16	187	$17,981	$3,319	$14,662	$1,837,873
16	188	$17,981	$3,293	$14,688	$1,823,185
16	189	$17,981	$3,267	$14,714	$1,808,471
16	190	$17,981	$3,240	$14,741	$1,793,730
16	191	$17,981	$3,214	$14,767	$1,778,963
16	192	$17,981	$3,187	$14,794	$1,764,170
17	193	$17,981	$3,161	$14,820	$1,749,350
17	194	$17,981	$3,134	$14,847	$1,734,503
17	195	$17,981	$3,108	$14,873	$1,719,630
17	196	$17,981	$3,081	$14,900	$1,704,730
17	197	$17,981	$3,054	$14,927	$1,689,804
17	198	$17,981	$3,028	$14,953	$1,674,850
17	199	$17,981	$3,001	$14,980	$1,659,870
17	200	$17,981	$2,974	$15,007	$1,644,863
17	201	$17,981	$2,947	$15,034	$1,629,830
17	202	$17,981	$2,920	$15,061	$1,614,769
17	203	$17,981	$2,893	$15,088	$1,599,681
17	204	$17,981	$2,866	$15,115	$1,584,567
18	205	$17,981	$2,839	$15,142	$1,569,425
18	206	$17,981	$2,812	$15,169	$1,554,256
18	207	$17,981	$2,785	$15,196	$1,539,060
18	208	$17,981	$2,757	$15,223	$1,523,836
18	209	$17,981	$2,730	$15,251	$1,508,586
18	210	$17,981	$2,703	$15,278	$1,493,308
18	211	$17,981	$2,676	$15,305	$1,478,002
18	212	$17,981	$2,648	$15,333	$1,462,670
18	213	$17,981	$2,621	$15,360	$1,447,310
18	214	$17,981	$2,593	$15,388	$1,431,922
18	215	$17,981	$2,566	$15,415	$1,416,506
18	216	$17,981	$2,538	$15,443	$1,401,064
19	217	$17,981	$2,510	$15,471	$1,385,593
19	218	$17,981	$2,483	$15,498	$1,370,095
19	219	$17,981	$2,455	$15,526	$1,354,569
19	220	$17,981	$2,427	$15,554	$1,339,015
19	221	$17,981	$2,399	$15,582	$1,323,433
19	222	$17,981	$2,371	$15,610	$1,307,823
19	223	$17,981	$2,343	$15,638	$1,292,186
19	224	$17,981	$2,315	$15,666	$1,276,520
19	225	$17,981	$2,287	$15,694	$1,260,826
19	226	$17,981	$2,259	$15,722	$1,245,104
19	227	$17,981	$2,231	$15,750	$1,229,354
19	228	$17,981	$2,203	$15,778	$1,213,576
20	229	$17,981	$2,174	$15,807	$1,197,770
20	230	$17,981	$2,146	$15,835	$1,181,935
20	231	$17,981	$2,118	$15,863	$1,166,072
20	232	$17,981	$2,089	$15,892	$1,150,180
20	233	$17,981	$2,061	$15,920	$1,134,260
20	234	$17,981	$2,032	$15,949	$1,118,311
20	235	$17,981	$2,004	$15,977	$1,102,334
20	236	$17,981	$1,975	$16,006	$1,086,328
20	237	$17,981	$1,946	$16,034	$1,070,294
20	238	$17,981	$1,918	$16,063	$1,054,231
20	239	$17,981	$1,889	$16,092	$1,038,139
20	240	$17,981	$1,860	$16,121	$1,022,018
21	241	$17,981	$1,831	$16,150	$1,005,868
21	242	$17,981	$1,802	$16,179	$989,689
21	243	$17,981	$1,773	$16,208	$973,482
21	244	$17,981	$1,744	$16,237	$957,245
21	245	$17,981	$1,715	$16,266	$940,979
21	246	$17,981	$1,686	$16,295	$924,684
21	247	$17,981	$1,657	$16,324	$908,360
21	248	$17,981	$1,627	$16,353	$892,007
21	249	$17,981	$1,598	$16,383	$875,624
21	250	$17,981	$1,569	$16,412	$859,212
21	251	$17,981	$1,539	$16,441	$842,771
21	252	$17,981	$1,510	$16,471	$826,300
22	253	$17,981	$1,480	$16,500	$809,800
22	254	$17,981	$1,451	$16,530	$793,270
22	255	$17,981	$1,421	$16,560	$776,710
22	256	$17,981	$1,392	$16,589	$760,121
22	257	$17,981	$1,362	$16,619	$743,502
22	258	$17,981	$1,332	$16,649	$726,853
22	259	$17,981	$1,302	$16,679	$710,175
22	260	$17,981	$1,272	$16,708	$693,466
22	261	$17,981	$1,242	$16,738	$676,728
22	262	$17,981	$1,212	$16,768	$659,960
22	263	$17,981	$1,182	$16,798	$643,161
22	264	$17,981	$1,152	$16,828	$626,333
23	265	$17,981	$1,122	$16,859	$609,474
23	266	$17,981	$1,092	$16,889	$592,585
23	267	$17,981	$1,062	$16,919	$575,666
23	268	$17,981	$1,031	$16,949	$558,717
23	269	$17,981	$1,001	$16,980	$541,737
23	270	$17,981	$971	$17,010	$524,727
23	271	$17,981	$940	$17,041	$507,686
23	272	$17,981	$910	$17,071	$490,615
23	273	$17,981	$879	$17,102	$473,513
23	274	$17,981	$848	$17,132	$456,380
23	275	$17,981	$818	$17,163	$439,217
23	276	$17,981	$787	$17,194	$422,023
24	277	$17,981	$756	$17,225	$404,799
24	278	$17,981	$725	$17,256	$387,543
24	279	$17,981	$694	$17,286	$370,257
24	280	$17,981	$663	$17,317	$352,939
24	281	$17,981	$632	$17,348	$335,591
24	282	$17,981	$601	$17,380	$318,211
24	283	$17,981	$570	$17,411	$300,801
24	284	$17,981	$539	$17,442	$283,359
24	285	$17,981	$508	$17,473	$265,885
24	286	$17,981	$476	$17,504	$248,381
24	287	$17,981	$445	$17,536	$230,845
24	288	$17,981	$414	$17,567	$213,278
25	289	$17,981	$382	$17,599	$195,679
25	290	$17,981	$351	$17,630	$178,049
25	291	$17,981	$319	$17,662	$160,387
25	292	$17,981	$287	$17,693	$142,694
25	293	$17,981	$256	$17,725	$124,969
25	294	$17,981	$224	$17,757	$107,212
25	295	$17,981	$192	$17,789	$89,423
25	296	$17,981	$160	$17,821	$71,602
25	297	$17,981	$128	$17,853	$53,750
25	298	$17,981	$96	$17,885	$35,865
25	299	$17,981	$64	$17,917	$17,949
25	300	$17,981	$32	$17,949	$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$ 2,780,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,849,500

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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.