Century 21 Centaland Property

Down Payment (HKD)

$3,920,000

Monthly Repayment (HKD)

$25,354

Loan Amount (HKD)

$5,880,000

Total Interest (HKD)

$1,726,278

Total Repayment (HKD)

$7,606,278

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$25,354	$10,535	$14,819	$5,865,181
1	2	$25,354	$10,508	$14,846	$5,850,335
1	3	$25,354	$10,482	$14,872	$5,835,463
1	4	$25,354	$10,455	$14,899	$5,820,563
1	5	$25,354	$10,429	$14,926	$5,805,638
1	6	$25,354	$10,402	$14,952	$5,790,685
1	7	$25,354	$10,375	$14,979	$5,775,706
1	8	$25,354	$10,348	$15,006	$5,760,700
1	9	$25,354	$10,321	$15,033	$5,745,667
1	10	$25,354	$10,294	$15,060	$5,730,607
1	11	$25,354	$10,267	$15,087	$5,715,520
1	12	$25,354	$10,240	$15,114	$5,700,406
2	13	$25,354	$10,213	$15,141	$5,685,265
2	14	$25,354	$10,186	$15,168	$5,670,097
2	15	$25,354	$10,159	$15,195	$5,654,901
2	16	$25,354	$10,132	$15,223	$5,639,679
2	17	$25,354	$10,104	$15,250	$5,624,429
2	18	$25,354	$10,077	$15,277	$5,609,152
2	19	$25,354	$10,050	$15,305	$5,593,847
2	20	$25,354	$10,022	$15,332	$5,578,515
2	21	$25,354	$9,995	$15,359	$5,563,156
2	22	$25,354	$9,967	$15,387	$5,547,769
2	23	$25,354	$9,940	$15,415	$5,532,355
2	24	$25,354	$9,912	$15,442	$5,516,912
3	25	$25,354	$9,884	$15,470	$5,501,443
3	26	$25,354	$9,857	$15,498	$5,485,945
3	27	$25,354	$9,829	$15,525	$5,470,420
3	28	$25,354	$9,801	$15,553	$5,454,867
3	29	$25,354	$9,773	$15,581	$5,439,286
3	30	$25,354	$9,745	$15,609	$5,423,677
3	31	$25,354	$9,717	$15,637	$5,408,040
3	32	$25,354	$9,689	$15,665	$5,392,375
3	33	$25,354	$9,661	$15,693	$5,376,682
3	34	$25,354	$9,633	$15,721	$5,360,961
3	35	$25,354	$9,605	$15,749	$5,345,212
3	36	$25,354	$9,577	$15,777	$5,329,435
4	37	$25,354	$9,549	$15,806	$5,313,629
4	38	$25,354	$9,520	$15,834	$5,297,795
4	39	$25,354	$9,492	$15,862	$5,281,933
4	40	$25,354	$9,463	$15,891	$5,266,042
4	41	$25,354	$9,435	$15,919	$5,250,123
4	42	$25,354	$9,406	$15,948	$5,234,175
4	43	$25,354	$9,378	$15,976	$5,218,198
4	44	$25,354	$9,349	$16,005	$5,202,193
4	45	$25,354	$9,321	$16,034	$5,186,160
4	46	$25,354	$9,292	$16,062	$5,170,097
4	47	$25,354	$9,263	$16,091	$5,154,006
4	48	$25,354	$9,234	$16,120	$5,137,886
5	49	$25,354	$9,205	$16,149	$5,121,737
5	50	$25,354	$9,176	$16,178	$5,105,559
5	51	$25,354	$9,147	$16,207	$5,089,353
5	52	$25,354	$9,118	$16,236	$5,073,117
5	53	$25,354	$9,089	$16,265	$5,056,852
5	54	$25,354	$9,060	$16,294	$5,040,558
5	55	$25,354	$9,031	$16,323	$5,024,235
5	56	$25,354	$9,002	$16,353	$5,007,882
5	57	$25,354	$8,972	$16,382	$4,991,500
5	58	$25,354	$8,943	$16,411	$4,975,089
5	59	$25,354	$8,914	$16,441	$4,958,649
5	60	$25,354	$8,884	$16,470	$4,942,179
6	61	$25,354	$8,855	$16,500	$4,925,679
6	62	$25,354	$8,825	$16,529	$4,909,150
6	63	$25,354	$8,796	$16,559	$4,892,591
6	64	$25,354	$8,766	$16,588	$4,876,003
6	65	$25,354	$8,736	$16,618	$4,859,385
6	66	$25,354	$8,706	$16,648	$4,842,737
6	67	$25,354	$8,677	$16,678	$4,826,059
6	68	$25,354	$8,647	$16,708	$4,809,352
6	69	$25,354	$8,617	$16,738	$4,792,614
6	70	$25,354	$8,587	$16,767	$4,775,847
6	71	$25,354	$8,557	$16,798	$4,759,049
6	72	$25,354	$8,527	$16,828	$4,742,221
7	73	$25,354	$8,496	$16,858	$4,725,364
7	74	$25,354	$8,466	$16,888	$4,708,476
7	75	$25,354	$8,436	$16,918	$4,691,557
7	76	$25,354	$8,406	$16,949	$4,674,609
7	77	$25,354	$8,375	$16,979	$4,657,630
7	78	$25,354	$8,345	$17,009	$4,640,621
7	79	$25,354	$8,314	$17,040	$4,623,581
7	80	$25,354	$8,284	$17,070	$4,606,510
7	81	$25,354	$8,253	$17,101	$4,589,410
7	82	$25,354	$8,223	$17,132	$4,572,278
7	83	$25,354	$8,192	$17,162	$4,555,116
7	84	$25,354	$8,161	$17,193	$4,537,923
8	85	$25,354	$8,130	$17,224	$4,520,699
8	86	$25,354	$8,100	$17,255	$4,503,444
8	87	$25,354	$8,069	$17,286	$4,486,159
8	88	$25,354	$8,038	$17,317	$4,468,842
8	89	$25,354	$8,007	$17,348	$4,451,494
8	90	$25,354	$7,976	$17,379	$4,434,116
8	91	$25,354	$7,944	$17,410	$4,416,706
8	92	$25,354	$7,913	$17,441	$4,399,265
8	93	$25,354	$7,882	$17,472	$4,381,793
8	94	$25,354	$7,851	$17,504	$4,364,289
8	95	$25,354	$7,819	$17,535	$4,346,754
8	96	$25,354	$7,788	$17,566	$4,329,188
9	97	$25,354	$7,756	$17,598	$4,311,590
9	98	$25,354	$7,725	$17,629	$4,293,961
9	99	$25,354	$7,693	$17,661	$4,276,300
9	100	$25,354	$7,662	$17,693	$4,258,607
9	101	$25,354	$7,630	$17,724	$4,240,883
9	102	$25,354	$7,598	$17,756	$4,223,127
9	103	$25,354	$7,566	$17,788	$4,205,339
9	104	$25,354	$7,535	$17,820	$4,187,520
9	105	$25,354	$7,503	$17,852	$4,169,668
9	106	$25,354	$7,471	$17,884	$4,151,784
9	107	$25,354	$7,439	$17,916	$4,133,869
9	108	$25,354	$7,407	$17,948	$4,115,921
10	109	$25,354	$7,374	$17,980	$4,097,941
10	110	$25,354	$7,342	$18,012	$4,079,929
10	111	$25,354	$7,310	$18,044	$4,061,885
10	112	$25,354	$7,278	$18,077	$4,043,808
10	113	$25,354	$7,245	$18,109	$4,025,699
10	114	$25,354	$7,213	$18,142	$4,007,557
10	115	$25,354	$7,180	$18,174	$3,989,383
10	116	$25,354	$7,148	$18,207	$3,971,177
10	117	$25,354	$7,115	$18,239	$3,952,937
10	118	$25,354	$7,082	$18,272	$3,934,665
10	119	$25,354	$7,050	$18,305	$3,916,361
10	120	$25,354	$7,017	$18,337	$3,898,023
11	121	$25,354	$6,984	$18,370	$3,879,653
11	122	$25,354	$6,951	$18,403	$3,861,250
11	123	$25,354	$6,918	$18,436	$3,842,814
11	124	$25,354	$6,885	$18,469	$3,824,344
11	125	$25,354	$6,852	$18,502	$3,805,842
11	126	$25,354	$6,819	$18,535	$3,787,307
11	127	$25,354	$6,786	$18,569	$3,768,738
11	128	$25,354	$6,752	$18,602	$3,750,136
11	129	$25,354	$6,719	$18,635	$3,731,501
11	130	$25,354	$6,686	$18,669	$3,712,832
11	131	$25,354	$6,652	$18,702	$3,694,130
11	132	$25,354	$6,619	$18,736	$3,675,394
12	133	$25,354	$6,585	$18,769	$3,656,625
12	134	$25,354	$6,551	$18,803	$3,637,822
12	135	$25,354	$6,518	$18,836	$3,618,986
12	136	$25,354	$6,484	$18,870	$3,600,116
12	137	$25,354	$6,450	$18,904	$3,581,212
12	138	$25,354	$6,416	$18,938	$3,562,274
12	139	$25,354	$6,382	$18,972	$3,543,302
12	140	$25,354	$6,348	$19,006	$3,524,296
12	141	$25,354	$6,314	$19,040	$3,505,256
12	142	$25,354	$6,280	$19,074	$3,486,182
12	143	$25,354	$6,246	$19,108	$3,467,074
12	144	$25,354	$6,212	$19,142	$3,447,931
13	145	$25,354	$6,178	$19,177	$3,428,755
13	146	$25,354	$6,143	$19,211	$3,409,544
13	147	$25,354	$6,109	$19,245	$3,390,298
13	148	$25,354	$6,074	$19,280	$3,371,018
13	149	$25,354	$6,040	$19,315	$3,351,704
13	150	$25,354	$6,005	$19,349	$3,332,355
13	151	$25,354	$5,970	$19,384	$3,312,971
13	152	$25,354	$5,936	$19,419	$3,293,552
13	153	$25,354	$5,901	$19,453	$3,274,099
13	154	$25,354	$5,866	$19,488	$3,254,611
13	155	$25,354	$5,831	$19,523	$3,235,088
13	156	$25,354	$5,796	$19,558	$3,215,530
14	157	$25,354	$5,761	$19,593	$3,195,936
14	158	$25,354	$5,726	$19,628	$3,176,308
14	159	$25,354	$5,691	$19,663	$3,156,645
14	160	$25,354	$5,656	$19,699	$3,136,946
14	161	$25,354	$5,620	$19,734	$3,117,212
14	162	$25,354	$5,585	$19,769	$3,097,443
14	163	$25,354	$5,550	$19,805	$3,077,638
14	164	$25,354	$5,514	$19,840	$3,057,798
14	165	$25,354	$5,479	$19,876	$3,037,923
14	166	$25,354	$5,443	$19,911	$3,018,011
14	167	$25,354	$5,407	$19,947	$2,998,064
14	168	$25,354	$5,372	$19,983	$2,978,082
15	169	$25,354	$5,336	$20,019	$2,958,063
15	170	$25,354	$5,300	$20,054	$2,938,009
15	171	$25,354	$5,264	$20,090	$2,917,918
15	172	$25,354	$5,228	$20,126	$2,897,792
15	173	$25,354	$5,192	$20,162	$2,877,630
15	174	$25,354	$5,156	$20,199	$2,857,431
15	175	$25,354	$5,120	$20,235	$2,837,196
15	176	$25,354	$5,083	$20,271	$2,816,925
15	177	$25,354	$5,047	$20,307	$2,796,618
15	178	$25,354	$5,011	$20,344	$2,776,275
15	179	$25,354	$4,974	$20,380	$2,755,894
15	180	$25,354	$4,938	$20,417	$2,735,478
16	181	$25,354	$4,901	$20,453	$2,715,025
16	182	$25,354	$4,864	$20,490	$2,694,535
16	183	$25,354	$4,828	$20,527	$2,674,008
16	184	$25,354	$4,791	$20,563	$2,653,445
16	185	$25,354	$4,754	$20,600	$2,632,845
16	186	$25,354	$4,717	$20,637	$2,612,208
16	187	$25,354	$4,680	$20,674	$2,591,534
16	188	$25,354	$4,643	$20,711	$2,570,822
16	189	$25,354	$4,606	$20,748	$2,550,074
16	190	$25,354	$4,569	$20,785	$2,529,289
16	191	$25,354	$4,532	$20,823	$2,508,466
16	192	$25,354	$4,494	$20,860	$2,487,606
17	193	$25,354	$4,457	$20,897	$2,466,709
17	194	$25,354	$4,420	$20,935	$2,445,774
17	195	$25,354	$4,382	$20,972	$2,424,802
17	196	$25,354	$4,344	$21,010	$2,403,792
17	197	$25,354	$4,307	$21,047	$2,382,745
17	198	$25,354	$4,269	$21,085	$2,361,660
17	199	$25,354	$4,231	$21,123	$2,340,537
17	200	$25,354	$4,193	$21,161	$2,319,376
17	201	$25,354	$4,156	$21,199	$2,298,177
17	202	$25,354	$4,118	$21,237	$2,276,940
17	203	$25,354	$4,080	$21,275	$2,255,666
17	204	$25,354	$4,041	$21,313	$2,234,353
18	205	$25,354	$4,003	$21,351	$2,213,002
18	206	$25,354	$3,965	$21,389	$2,191,613
18	207	$25,354	$3,927	$21,428	$2,170,185
18	208	$25,354	$3,888	$21,466	$2,148,719
18	209	$25,354	$3,850	$21,504	$2,127,214
18	210	$25,354	$3,811	$21,543	$2,105,671
18	211	$25,354	$3,773	$21,582	$2,084,090
18	212	$25,354	$3,734	$21,620	$2,062,470
18	213	$25,354	$3,695	$21,659	$2,040,811
18	214	$25,354	$3,656	$21,698	$2,019,113
18	215	$25,354	$3,618	$21,737	$1,997,376
18	216	$25,354	$3,579	$21,776	$1,975,600
19	217	$25,354	$3,540	$21,815	$1,953,786
19	218	$25,354	$3,501	$21,854	$1,931,932
19	219	$25,354	$3,461	$21,893	$1,910,039
19	220	$25,354	$3,422	$21,932	$1,888,107
19	221	$25,354	$3,383	$21,971	$1,866,136
19	222	$25,354	$3,343	$22,011	$1,844,125
19	223	$25,354	$3,304	$22,050	$1,822,075
19	224	$25,354	$3,265	$22,090	$1,799,985
19	225	$25,354	$3,225	$22,129	$1,777,856
19	226	$25,354	$3,185	$22,169	$1,755,687
19	227	$25,354	$3,146	$22,209	$1,733,478
19	228	$25,354	$3,106	$22,248	$1,711,230
20	229	$25,354	$3,066	$22,288	$1,688,941
20	230	$25,354	$3,026	$22,328	$1,666,613
20	231	$25,354	$2,986	$22,368	$1,644,245
20	232	$25,354	$2,946	$22,408	$1,621,837
20	233	$25,354	$2,906	$22,448	$1,599,388
20	234	$25,354	$2,866	$22,489	$1,576,899
20	235	$25,354	$2,825	$22,529	$1,554,370
20	236	$25,354	$2,785	$22,569	$1,531,801
20	237	$25,354	$2,744	$22,610	$1,509,191
20	238	$25,354	$2,704	$22,650	$1,486,541
20	239	$25,354	$2,663	$22,691	$1,463,850
20	240	$25,354	$2,623	$22,732	$1,441,119
21	241	$25,354	$2,582	$22,772	$1,418,346
21	242	$25,354	$2,541	$22,813	$1,395,533
21	243	$25,354	$2,500	$22,854	$1,372,679
21	244	$25,354	$2,459	$22,895	$1,349,784
21	245	$25,354	$2,418	$22,936	$1,326,849
21	246	$25,354	$2,377	$22,977	$1,303,872
21	247	$25,354	$2,336	$23,018	$1,280,853
21	248	$25,354	$2,295	$23,059	$1,257,794
21	249	$25,354	$2,254	$23,101	$1,234,693
21	250	$25,354	$2,212	$23,142	$1,211,551
21	251	$25,354	$2,171	$23,184	$1,188,368
21	252	$25,354	$2,129	$23,225	$1,165,143
22	253	$25,354	$2,088	$23,267	$1,141,876
22	254	$25,354	$2,046	$23,308	$1,118,567
22	255	$25,354	$2,004	$23,350	$1,095,217
22	256	$25,354	$1,962	$23,392	$1,071,825
22	257	$25,354	$1,920	$23,434	$1,048,391
22	258	$25,354	$1,878	$23,476	$1,024,915
22	259	$25,354	$1,836	$23,518	$1,001,398
22	260	$25,354	$1,794	$23,560	$977,837
22	261	$25,354	$1,752	$23,602	$954,235
22	262	$25,354	$1,710	$23,645	$930,591
22	263	$25,354	$1,667	$23,687	$906,904
22	264	$25,354	$1,625	$23,729	$883,174
23	265	$25,354	$1,582	$23,772	$859,402
23	266	$25,354	$1,540	$23,814	$835,588
23	267	$25,354	$1,497	$23,857	$811,731
23	268	$25,354	$1,454	$23,900	$787,831
23	269	$25,354	$1,412	$23,943	$763,888
23	270	$25,354	$1,369	$23,986	$739,902
23	271	$25,354	$1,326	$24,029	$715,874
23	272	$25,354	$1,283	$24,072	$691,802
23	273	$25,354	$1,239	$24,115	$667,687
23	274	$25,354	$1,196	$24,158	$643,529
23	275	$25,354	$1,153	$24,201	$619,328
23	276	$25,354	$1,110	$24,245	$595,083
24	277	$25,354	$1,066	$24,288	$570,795
24	278	$25,354	$1,023	$24,332	$546,464
24	279	$25,354	$979	$24,375	$522,089
24	280	$25,354	$935	$24,419	$497,670
24	281	$25,354	$892	$24,463	$473,207
24	282	$25,354	$848	$24,506	$448,701
24	283	$25,354	$804	$24,550	$424,150
24	284	$25,354	$760	$24,594	$399,556
24	285	$25,354	$716	$24,638	$374,918
24	286	$25,354	$672	$24,683	$350,235
24	287	$25,354	$628	$24,727	$325,508
24	288	$25,354	$583	$24,771	$300,737
25	289	$25,354	$539	$24,815	$275,922
25	290	$25,354	$494	$24,860	$251,062
25	291	$25,354	$450	$24,904	$226,158
25	292	$25,354	$405	$24,949	$201,208
25	293	$25,354	$360	$24,994	$176,215
25	294	$25,354	$316	$25,039	$151,176
25	295	$25,354	$271	$25,083	$126,093
25	296	$25,354	$226	$25,128	$100,964
25	297	$25,354	$181	$25,173	$75,791
25	298	$25,354	$136	$25,218	$50,573
25	299	$25,354	$91	$25,264	$25,309
25	300	$25,354	$45	$25,309	$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$ 3,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,018,000

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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.