Century 21 Centaland Property

Down Payment (HKD)

$6,272,000

Monthly Repayment (HKD)

$40,567

Loan Amount (HKD)

$9,408,000

Total Interest (HKD)

$2,762,045

Total Repayment (HKD)

$12,170,045

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$40,567	$16,856	$23,711	$9,384,289
1	2	$40,567	$16,814	$23,753	$9,360,536
1	3	$40,567	$16,771	$23,796	$9,336,740
1	4	$40,567	$16,728	$23,838	$9,312,902
1	5	$40,567	$16,686	$23,881	$9,289,020
1	6	$40,567	$16,643	$23,924	$9,265,096
1	7	$40,567	$16,600	$23,967	$9,241,129
1	8	$40,567	$16,557	$24,010	$9,217,120
1	9	$40,567	$16,514	$24,053	$9,193,067
1	10	$40,567	$16,471	$24,096	$9,168,971
1	11	$40,567	$16,428	$24,139	$9,144,832
1	12	$40,567	$16,384	$24,182	$9,120,650
2	13	$40,567	$16,341	$24,226	$9,096,424
2	14	$40,567	$16,298	$24,269	$9,072,155
2	15	$40,567	$16,254	$24,313	$9,047,842
2	16	$40,567	$16,211	$24,356	$9,023,486
2	17	$40,567	$16,167	$24,400	$8,999,086
2	18	$40,567	$16,123	$24,443	$8,974,643
2	19	$40,567	$16,080	$24,487	$8,950,156
2	20	$40,567	$16,036	$24,531	$8,925,625
2	21	$40,567	$15,992	$24,575	$8,901,050
2	22	$40,567	$15,948	$24,619	$8,876,430
2	23	$40,567	$15,904	$24,663	$8,851,767
2	24	$40,567	$15,859	$24,707	$8,827,060
3	25	$40,567	$15,815	$24,752	$8,802,308
3	26	$40,567	$15,771	$24,796	$8,777,512
3	27	$40,567	$15,726	$24,840	$8,752,672
3	28	$40,567	$15,682	$24,885	$8,727,787
3	29	$40,567	$15,637	$24,930	$8,702,857
3	30	$40,567	$15,593	$24,974	$8,677,883
3	31	$40,567	$15,548	$25,019	$8,652,864
3	32	$40,567	$15,503	$25,064	$8,627,800
3	33	$40,567	$15,458	$25,109	$8,602,692
3	34	$40,567	$15,413	$25,154	$8,577,538
3	35	$40,567	$15,368	$25,199	$8,552,339
3	36	$40,567	$15,323	$25,244	$8,527,095
4	37	$40,567	$15,278	$25,289	$8,501,806
4	38	$40,567	$15,232	$25,334	$8,476,472
4	39	$40,567	$15,187	$25,380	$8,451,092
4	40	$40,567	$15,142	$25,425	$8,425,667
4	41	$40,567	$15,096	$25,471	$8,400,196
4	42	$40,567	$15,050	$25,516	$8,374,680
4	43	$40,567	$15,005	$25,562	$8,349,117
4	44	$40,567	$14,959	$25,608	$8,323,509
4	45	$40,567	$14,913	$25,654	$8,297,856
4	46	$40,567	$14,867	$25,700	$8,272,156
4	47	$40,567	$14,821	$25,746	$8,246,410
4	48	$40,567	$14,775	$25,792	$8,220,618
5	49	$40,567	$14,729	$25,838	$8,194,780
5	50	$40,567	$14,682	$25,885	$8,168,895
5	51	$40,567	$14,636	$25,931	$8,142,964
5	52	$40,567	$14,589	$25,977	$8,116,987
5	53	$40,567	$14,543	$26,024	$8,090,963
5	54	$40,567	$14,496	$26,071	$8,064,892
5	55	$40,567	$14,450	$26,117	$8,038,775
5	56	$40,567	$14,403	$26,164	$8,012,611
5	57	$40,567	$14,356	$26,211	$7,986,400
5	58	$40,567	$14,309	$26,258	$7,960,143
5	59	$40,567	$14,262	$26,305	$7,933,838
5	60	$40,567	$14,215	$26,352	$7,907,486
6	61	$40,567	$14,168	$26,399	$7,881,086
6	62	$40,567	$14,120	$26,447	$7,854,640
6	63	$40,567	$14,073	$26,494	$7,828,146
6	64	$40,567	$14,025	$26,541	$7,801,605
6	65	$40,567	$13,978	$26,589	$7,775,016
6	66	$40,567	$13,930	$26,637	$7,748,379
6	67	$40,567	$13,883	$26,684	$7,721,695
6	68	$40,567	$13,835	$26,732	$7,694,963
6	69	$40,567	$13,787	$26,780	$7,668,183
6	70	$40,567	$13,739	$26,828	$7,641,355
6	71	$40,567	$13,691	$26,876	$7,614,479
6	72	$40,567	$13,643	$26,924	$7,587,554
7	73	$40,567	$13,594	$26,972	$7,560,582
7	74	$40,567	$13,546	$27,021	$7,533,561
7	75	$40,567	$13,498	$27,069	$7,506,492
7	76	$40,567	$13,449	$27,118	$7,479,374
7	77	$40,567	$13,401	$27,166	$7,452,208
7	78	$40,567	$13,352	$27,215	$7,424,993
7	79	$40,567	$13,303	$27,264	$7,397,729
7	80	$40,567	$13,254	$27,313	$7,370,417
7	81	$40,567	$13,205	$27,361	$7,343,055
7	82	$40,567	$13,156	$27,411	$7,315,645
7	83	$40,567	$13,107	$27,460	$7,288,185
7	84	$40,567	$13,058	$27,509	$7,260,676
8	85	$40,567	$13,009	$27,558	$7,233,118
8	86	$40,567	$12,959	$27,607	$7,205,511
8	87	$40,567	$12,910	$27,657	$7,177,854
8	88	$40,567	$12,860	$27,706	$7,150,147
8	89	$40,567	$12,811	$27,756	$7,122,391
8	90	$40,567	$12,761	$27,806	$7,094,585
8	91	$40,567	$12,711	$27,856	$7,066,730
8	92	$40,567	$12,661	$27,906	$7,038,824
8	93	$40,567	$12,611	$27,956	$7,010,868
8	94	$40,567	$12,561	$28,006	$6,982,863
8	95	$40,567	$12,511	$28,056	$6,954,807
8	96	$40,567	$12,461	$28,106	$6,926,701
9	97	$40,567	$12,410	$28,156	$6,898,544
9	98	$40,567	$12,360	$28,207	$6,870,337
9	99	$40,567	$12,309	$28,257	$6,842,080
9	100	$40,567	$12,259	$28,308	$6,813,772
9	101	$40,567	$12,208	$28,359	$6,785,413
9	102	$40,567	$12,157	$28,410	$6,757,003
9	103	$40,567	$12,106	$28,461	$6,728,543
9	104	$40,567	$12,055	$28,512	$6,700,031
9	105	$40,567	$12,004	$28,563	$6,671,469
9	106	$40,567	$11,953	$28,614	$6,642,855
9	107	$40,567	$11,902	$28,665	$6,614,190
9	108	$40,567	$11,850	$28,716	$6,585,474
10	109	$40,567	$11,799	$28,768	$6,556,706
10	110	$40,567	$11,747	$28,819	$6,527,886
10	111	$40,567	$11,696	$28,871	$6,499,015
10	112	$40,567	$11,644	$28,923	$6,470,093
10	113	$40,567	$11,592	$28,975	$6,441,118
10	114	$40,567	$11,540	$29,026	$6,412,092
10	115	$40,567	$11,488	$29,078	$6,383,013
10	116	$40,567	$11,436	$29,131	$6,353,882
10	117	$40,567	$11,384	$29,183	$6,324,700
10	118	$40,567	$11,332	$29,235	$6,295,465
10	119	$40,567	$11,279	$29,287	$6,266,177
10	120	$40,567	$11,227	$29,340	$6,236,837
11	121	$40,567	$11,174	$29,392	$6,207,445
11	122	$40,567	$11,122	$29,445	$6,178,000
11	123	$40,567	$11,069	$29,498	$6,148,502
11	124	$40,567	$11,016	$29,551	$6,118,951
11	125	$40,567	$10,963	$29,604	$6,089,347
11	126	$40,567	$10,910	$29,657	$6,059,691
11	127	$40,567	$10,857	$29,710	$6,029,981
11	128	$40,567	$10,804	$29,763	$6,000,218
11	129	$40,567	$10,750	$29,816	$5,970,401
11	130	$40,567	$10,697	$29,870	$5,940,531
11	131	$40,567	$10,643	$29,923	$5,910,608
11	132	$40,567	$10,590	$29,977	$5,880,631
12	133	$40,567	$10,536	$30,031	$5,850,600
12	134	$40,567	$10,482	$30,084	$5,820,516
12	135	$40,567	$10,428	$30,138	$5,790,377
12	136	$40,567	$10,374	$30,192	$5,760,185
12	137	$40,567	$10,320	$30,246	$5,729,939
12	138	$40,567	$10,266	$30,301	$5,699,638
12	139	$40,567	$10,212	$30,355	$5,669,283
12	140	$40,567	$10,157	$30,409	$5,638,874
12	141	$40,567	$10,103	$30,464	$5,608,410
12	142	$40,567	$10,048	$30,518	$5,577,891
12	143	$40,567	$9,994	$30,573	$5,547,318
12	144	$40,567	$9,939	$30,628	$5,516,690
13	145	$40,567	$9,884	$30,683	$5,486,008
13	146	$40,567	$9,829	$30,738	$5,455,270
13	147	$40,567	$9,774	$30,793	$5,424,477
13	148	$40,567	$9,719	$30,848	$5,393,629
13	149	$40,567	$9,664	$30,903	$5,362,726
13	150	$40,567	$9,608	$30,959	$5,331,767
13	151	$40,567	$9,553	$31,014	$5,300,753
13	152	$40,567	$9,497	$31,070	$5,269,684
13	153	$40,567	$9,442	$31,125	$5,238,558
13	154	$40,567	$9,386	$31,181	$5,207,377
13	155	$40,567	$9,330	$31,237	$5,176,140
13	156	$40,567	$9,274	$31,293	$5,144,847
14	157	$40,567	$9,218	$31,349	$5,113,498
14	158	$40,567	$9,162	$31,405	$5,082,093
14	159	$40,567	$9,105	$31,461	$5,050,632
14	160	$40,567	$9,049	$31,518	$5,019,114
14	161	$40,567	$8,993	$31,574	$4,987,540
14	162	$40,567	$8,936	$31,631	$4,955,909
14	163	$40,567	$8,879	$31,687	$4,924,222
14	164	$40,567	$8,823	$31,744	$4,892,477
14	165	$40,567	$8,766	$31,801	$4,860,676
14	166	$40,567	$8,709	$31,858	$4,828,818
14	167	$40,567	$8,652	$31,915	$4,796,903
14	168	$40,567	$8,594	$31,972	$4,764,931
15	169	$40,567	$8,537	$32,030	$4,732,901
15	170	$40,567	$8,480	$32,087	$4,700,814
15	171	$40,567	$8,422	$32,145	$4,668,669
15	172	$40,567	$8,365	$32,202	$4,636,467
15	173	$40,567	$8,307	$32,260	$4,604,207
15	174	$40,567	$8,249	$32,318	$4,571,890
15	175	$40,567	$8,191	$32,376	$4,539,514
15	176	$40,567	$8,133	$32,434	$4,507,081
15	177	$40,567	$8,075	$32,492	$4,474,589
15	178	$40,567	$8,017	$32,550	$4,442,039
15	179	$40,567	$7,959	$32,608	$4,409,431
15	180	$40,567	$7,900	$32,667	$4,376,765
16	181	$40,567	$7,842	$32,725	$4,344,039
16	182	$40,567	$7,783	$32,784	$4,311,256
16	183	$40,567	$7,724	$32,842	$4,278,413
16	184	$40,567	$7,665	$32,901	$4,245,512
16	185	$40,567	$7,607	$32,960	$4,212,552
16	186	$40,567	$7,547	$33,019	$4,179,532
16	187	$40,567	$7,488	$33,078	$4,146,454
16	188	$40,567	$7,429	$33,138	$4,113,316
16	189	$40,567	$7,370	$33,197	$4,080,119
16	190	$40,567	$7,310	$33,257	$4,046,862
16	191	$40,567	$7,251	$33,316	$4,013,546
16	192	$40,567	$7,191	$33,376	$3,980,170
17	193	$40,567	$7,131	$33,436	$3,946,735
17	194	$40,567	$7,071	$33,496	$3,913,239
17	195	$40,567	$7,011	$33,556	$3,879,683
17	196	$40,567	$6,951	$33,616	$3,846,068
17	197	$40,567	$6,891	$33,676	$3,812,392
17	198	$40,567	$6,831	$33,736	$3,778,655
17	199	$40,567	$6,770	$33,797	$3,744,859
17	200	$40,567	$6,710	$33,857	$3,711,001
17	201	$40,567	$6,649	$33,918	$3,677,083
17	202	$40,567	$6,588	$33,979	$3,643,105
17	203	$40,567	$6,527	$34,040	$3,609,065
17	204	$40,567	$6,466	$34,101	$3,574,965
18	205	$40,567	$6,405	$34,162	$3,540,803
18	206	$40,567	$6,344	$34,223	$3,506,580
18	207	$40,567	$6,283	$34,284	$3,472,296
18	208	$40,567	$6,221	$34,346	$3,437,950
18	209	$40,567	$6,160	$34,407	$3,403,543
18	210	$40,567	$6,098	$34,469	$3,369,074
18	211	$40,567	$6,036	$34,531	$3,334,544
18	212	$40,567	$5,974	$34,592	$3,299,951
18	213	$40,567	$5,912	$34,654	$3,265,297
18	214	$40,567	$5,850	$34,716	$3,230,580
18	215	$40,567	$5,788	$34,779	$3,195,802
18	216	$40,567	$5,726	$34,841	$3,160,961
19	217	$40,567	$5,663	$34,903	$3,126,057
19	218	$40,567	$5,601	$34,966	$3,091,091
19	219	$40,567	$5,538	$35,029	$3,056,063
19	220	$40,567	$5,475	$35,091	$3,020,971
19	221	$40,567	$5,413	$35,154	$2,985,817
19	222	$40,567	$5,350	$35,217	$2,950,600
19	223	$40,567	$5,286	$35,280	$2,915,319
19	224	$40,567	$5,223	$35,344	$2,879,976
19	225	$40,567	$5,160	$35,407	$2,844,569
19	226	$40,567	$5,097	$35,470	$2,809,099
19	227	$40,567	$5,033	$35,534	$2,773,565
19	228	$40,567	$4,969	$35,598	$2,737,967
20	229	$40,567	$4,906	$35,661	$2,702,306
20	230	$40,567	$4,842	$35,725	$2,666,581
20	231	$40,567	$4,778	$35,789	$2,630,792
20	232	$40,567	$4,714	$35,853	$2,594,938
20	233	$40,567	$4,649	$35,918	$2,559,021
20	234	$40,567	$4,585	$35,982	$2,523,039
20	235	$40,567	$4,520	$36,046	$2,486,993
20	236	$40,567	$4,456	$36,111	$2,450,882
20	237	$40,567	$4,391	$36,176	$2,414,706
20	238	$40,567	$4,326	$36,240	$2,378,466
20	239	$40,567	$4,261	$36,305	$2,342,160
20	240	$40,567	$4,196	$36,370	$2,305,790
21	241	$40,567	$4,131	$36,436	$2,269,354
21	242	$40,567	$4,066	$36,501	$2,232,853
21	243	$40,567	$4,001	$36,566	$2,196,287
21	244	$40,567	$3,935	$36,632	$2,159,655
21	245	$40,567	$3,869	$36,697	$2,122,958
21	246	$40,567	$3,804	$36,763	$2,086,195
21	247	$40,567	$3,738	$36,829	$2,049,365
21	248	$40,567	$3,672	$36,895	$2,012,470
21	249	$40,567	$3,606	$36,961	$1,975,509
21	250	$40,567	$3,539	$37,027	$1,938,482
21	251	$40,567	$3,473	$37,094	$1,901,388
21	252	$40,567	$3,407	$37,160	$1,864,228
22	253	$40,567	$3,340	$37,227	$1,827,001
22	254	$40,567	$3,273	$37,293	$1,789,708
22	255	$40,567	$3,207	$37,360	$1,752,348
22	256	$40,567	$3,140	$37,427	$1,714,920
22	257	$40,567	$3,073	$37,494	$1,677,426
22	258	$40,567	$3,005	$37,561	$1,639,865
22	259	$40,567	$2,938	$37,629	$1,602,236
22	260	$40,567	$2,871	$37,696	$1,564,540
22	261	$40,567	$2,803	$37,764	$1,526,776
22	262	$40,567	$2,735	$37,831	$1,488,945
22	263	$40,567	$2,668	$37,899	$1,451,046
22	264	$40,567	$2,600	$37,967	$1,413,079
23	265	$40,567	$2,532	$38,035	$1,375,044
23	266	$40,567	$2,464	$38,103	$1,336,940
23	267	$40,567	$2,395	$38,171	$1,298,769
23	268	$40,567	$2,327	$38,240	$1,260,529
23	269	$40,567	$2,258	$38,308	$1,222,221
23	270	$40,567	$2,190	$38,377	$1,183,844
23	271	$40,567	$2,121	$38,446	$1,145,398
23	272	$40,567	$2,052	$38,515	$1,106,883
23	273	$40,567	$1,983	$38,584	$1,068,300
23	274	$40,567	$1,914	$38,653	$1,029,647
23	275	$40,567	$1,845	$38,722	$990,925
23	276	$40,567	$1,775	$38,791	$952,133
24	277	$40,567	$1,706	$38,861	$913,273
24	278	$40,567	$1,636	$38,931	$874,342
24	279	$40,567	$1,567	$39,000	$835,342
24	280	$40,567	$1,497	$39,070	$796,272
24	281	$40,567	$1,427	$39,140	$757,131
24	282	$40,567	$1,357	$39,210	$717,921
24	283	$40,567	$1,286	$39,281	$678,641
24	284	$40,567	$1,216	$39,351	$639,290
24	285	$40,567	$1,145	$39,421	$599,868
24	286	$40,567	$1,075	$39,492	$560,376
24	287	$40,567	$1,004	$39,563	$520,813
24	288	$40,567	$933	$39,634	$481,180
25	289	$40,567	$862	$39,705	$441,475
25	290	$40,567	$791	$39,776	$401,699
25	291	$40,567	$720	$39,847	$361,852
25	292	$40,567	$648	$39,918	$321,934
25	293	$40,567	$577	$39,990	$281,944
25	294	$40,567	$505	$40,062	$241,882
25	295	$40,567	$433	$40,133	$201,748
25	296	$40,567	$361	$40,205	$161,543
25	297	$40,567	$289	$40,277	$121,266
25	298	$40,567	$217	$40,350	$80,916
25	299	$40,567	$145	$40,422	$40,494
25	300	$40,567	$73	$40,494	$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$ 6,272,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,428,800

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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.