Century 21 Centaland Property

Down Payment (HKD)

$6,880,000

Monthly Repayment (HKD)

$44,499

Loan Amount (HKD)

$10,320,000

Total Interest (HKD)

$3,029,794

Total Repayment (HKD)

$13,349,794

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$44,499	$18,490	$26,009	$10,293,991
1	2	$44,499	$18,443	$26,056	$10,267,935
1	3	$44,499	$18,397	$26,103	$10,241,832
1	4	$44,499	$18,350	$26,149	$10,215,683
1	5	$44,499	$18,303	$26,196	$10,189,487
1	6	$44,499	$18,256	$26,243	$10,163,243
1	7	$44,499	$18,209	$26,290	$10,136,953
1	8	$44,499	$18,162	$26,337	$10,110,616
1	9	$44,499	$18,115	$26,384	$10,084,232
1	10	$44,499	$18,068	$26,432	$10,057,800
1	11	$44,499	$18,020	$26,479	$10,031,321
1	12	$44,499	$17,973	$26,527	$10,004,794
2	13	$44,499	$17,925	$26,574	$9,978,220
2	14	$44,499	$17,878	$26,622	$9,951,598
2	15	$44,499	$17,830	$26,669	$9,924,929
2	16	$44,499	$17,782	$26,717	$9,898,212
2	17	$44,499	$17,734	$26,765	$9,871,447
2	18	$44,499	$17,686	$26,813	$9,844,634
2	19	$44,499	$17,638	$26,861	$9,817,773
2	20	$44,499	$17,590	$26,909	$9,790,864
2	21	$44,499	$17,542	$26,957	$9,763,906
2	22	$44,499	$17,494	$27,006	$9,736,901
2	23	$44,499	$17,445	$27,054	$9,709,847
2	24	$44,499	$17,397	$27,103	$9,682,744
3	25	$44,499	$17,348	$27,151	$9,655,593
3	26	$44,499	$17,300	$27,200	$9,628,393
3	27	$44,499	$17,251	$27,248	$9,601,145
3	28	$44,499	$17,202	$27,297	$9,573,848
3	29	$44,499	$17,153	$27,346	$9,546,502
3	30	$44,499	$17,104	$27,395	$9,519,106
3	31	$44,499	$17,055	$27,444	$9,491,662
3	32	$44,499	$17,006	$27,493	$9,464,169
3	33	$44,499	$16,957	$27,543	$9,436,626
3	34	$44,499	$16,907	$27,592	$9,409,034
3	35	$44,499	$16,858	$27,641	$9,381,393
3	36	$44,499	$16,808	$27,691	$9,353,702
4	37	$44,499	$16,759	$27,741	$9,325,961
4	38	$44,499	$16,709	$27,790	$9,298,171
4	39	$44,499	$16,659	$27,840	$9,270,331
4	40	$44,499	$16,609	$27,890	$9,242,441
4	41	$44,499	$16,559	$27,940	$9,214,501
4	42	$44,499	$16,509	$27,990	$9,186,511
4	43	$44,499	$16,459	$28,040	$9,158,471
4	44	$44,499	$16,409	$28,090	$9,130,380
4	45	$44,499	$16,359	$28,141	$9,102,239
4	46	$44,499	$16,308	$28,191	$9,074,048
4	47	$44,499	$16,258	$28,242	$9,045,807
4	48	$44,499	$16,207	$28,292	$9,017,514
5	49	$44,499	$16,156	$28,343	$8,989,172
5	50	$44,499	$16,106	$28,394	$8,960,778
5	51	$44,499	$16,055	$28,445	$8,932,333
5	52	$44,499	$16,004	$28,496	$8,903,838
5	53	$44,499	$15,953	$28,547	$8,875,291
5	54	$44,499	$15,902	$28,598	$8,846,693
5	55	$44,499	$15,850	$28,649	$8,818,044
5	56	$44,499	$15,799	$28,700	$8,789,344
5	57	$44,499	$15,748	$28,752	$8,760,592
5	58	$44,499	$15,696	$28,803	$8,731,789
5	59	$44,499	$15,644	$28,855	$8,702,934
5	60	$44,499	$15,593	$28,907	$8,674,028
6	61	$44,499	$15,541	$28,958	$8,645,069
6	62	$44,499	$15,489	$29,010	$8,616,059
6	63	$44,499	$15,437	$29,062	$8,586,997
6	64	$44,499	$15,385	$29,114	$8,557,883
6	65	$44,499	$15,333	$29,166	$8,528,716
6	66	$44,499	$15,281	$29,219	$8,499,497
6	67	$44,499	$15,228	$29,271	$8,470,226
6	68	$44,499	$15,176	$29,323	$8,440,903
6	69	$44,499	$15,123	$29,376	$8,411,527
6	70	$44,499	$15,071	$29,429	$8,382,098
6	71	$44,499	$15,018	$29,481	$8,352,617
6	72	$44,499	$14,965	$29,534	$8,323,083
7	73	$44,499	$14,912	$29,587	$8,293,495
7	74	$44,499	$14,859	$29,640	$8,263,855
7	75	$44,499	$14,806	$29,693	$8,234,162
7	76	$44,499	$14,753	$29,746	$8,204,416
7	77	$44,499	$14,700	$29,800	$8,174,616
7	78	$44,499	$14,646	$29,853	$8,144,763
7	79	$44,499	$14,593	$29,907	$8,114,856
7	80	$44,499	$14,539	$29,960	$8,084,896
7	81	$44,499	$14,485	$30,014	$8,054,882
7	82	$44,499	$14,432	$30,068	$8,024,814
7	83	$44,499	$14,378	$30,122	$7,994,693
7	84	$44,499	$14,324	$30,175	$7,964,517
8	85	$44,499	$14,270	$30,230	$7,934,288
8	86	$44,499	$14,216	$30,284	$7,904,004
8	87	$44,499	$14,161	$30,338	$7,873,666
8	88	$44,499	$14,107	$30,392	$7,843,274
8	89	$44,499	$14,053	$30,447	$7,812,827
8	90	$44,499	$13,998	$30,501	$7,782,326
8	91	$44,499	$13,943	$30,556	$7,751,770
8	92	$44,499	$13,889	$30,611	$7,721,159
8	93	$44,499	$13,834	$30,666	$7,690,493
8	94	$44,499	$13,779	$30,721	$7,659,773
8	95	$44,499	$13,724	$30,776	$7,628,997
8	96	$44,499	$13,669	$30,831	$7,598,167
9	97	$44,499	$13,613	$30,886	$7,567,281
9	98	$44,499	$13,558	$30,941	$7,536,339
9	99	$44,499	$13,503	$30,997	$7,505,343
9	100	$44,499	$13,447	$31,052	$7,474,291
9	101	$44,499	$13,391	$31,108	$7,443,183
9	102	$44,499	$13,336	$31,164	$7,412,019
9	103	$44,499	$13,280	$31,219	$7,380,800
9	104	$44,499	$13,224	$31,275	$7,349,524
9	105	$44,499	$13,168	$31,331	$7,318,193
9	106	$44,499	$13,112	$31,388	$7,286,805
9	107	$44,499	$13,056	$31,444	$7,255,361
9	108	$44,499	$12,999	$31,500	$7,223,861
10	109	$44,499	$12,943	$31,557	$7,192,305
10	110	$44,499	$12,886	$31,613	$7,160,692
10	111	$44,499	$12,830	$31,670	$7,129,022
10	112	$44,499	$12,773	$31,726	$7,097,295
10	113	$44,499	$12,716	$31,783	$7,065,512
10	114	$44,499	$12,659	$31,840	$7,033,672
10	115	$44,499	$12,602	$31,897	$7,001,775
10	116	$44,499	$12,545	$31,954	$6,969,820
10	117	$44,499	$12,488	$32,012	$6,937,808
10	118	$44,499	$12,430	$32,069	$6,905,739
10	119	$44,499	$12,373	$32,127	$6,873,613
10	120	$44,499	$12,315	$32,184	$6,841,429
11	121	$44,499	$12,258	$32,242	$6,809,187
11	122	$44,499	$12,200	$32,300	$6,776,887
11	123	$44,499	$12,142	$32,357	$6,744,530
11	124	$44,499	$12,084	$32,415	$6,712,115
11	125	$44,499	$12,026	$32,473	$6,679,641
11	126	$44,499	$11,968	$32,532	$6,647,110
11	127	$44,499	$11,909	$32,590	$6,614,520
11	128	$44,499	$11,851	$32,648	$6,581,871
11	129	$44,499	$11,793	$32,707	$6,549,165
11	130	$44,499	$11,734	$32,765	$6,516,399
11	131	$44,499	$11,675	$32,824	$6,483,575
11	132	$44,499	$11,616	$32,883	$6,450,692
12	133	$44,499	$11,557	$32,942	$6,417,750
12	134	$44,499	$11,498	$33,001	$6,384,749
12	135	$44,499	$11,439	$33,060	$6,351,689
12	136	$44,499	$11,380	$33,119	$6,318,570
12	137	$44,499	$11,321	$33,179	$6,285,392
12	138	$44,499	$11,261	$33,238	$6,252,154
12	139	$44,499	$11,202	$33,298	$6,218,856
12	140	$44,499	$11,142	$33,357	$6,185,499
12	141	$44,499	$11,082	$33,417	$6,152,082
12	142	$44,499	$11,022	$33,477	$6,118,605
12	143	$44,499	$10,963	$33,537	$6,085,068
12	144	$44,499	$10,902	$33,597	$6,051,471
13	145	$44,499	$10,842	$33,657	$6,017,814
13	146	$44,499	$10,782	$33,717	$5,984,097
13	147	$44,499	$10,722	$33,778	$5,950,319
13	148	$44,499	$10,661	$33,838	$5,916,481
13	149	$44,499	$10,600	$33,899	$5,882,582
13	150	$44,499	$10,540	$33,960	$5,848,622
13	151	$44,499	$10,479	$34,021	$5,814,602
13	152	$44,499	$10,418	$34,081	$5,780,520
13	153	$44,499	$10,357	$34,143	$5,746,378
13	154	$44,499	$10,296	$34,204	$5,712,174
13	155	$44,499	$10,234	$34,265	$5,677,909
13	156	$44,499	$10,173	$34,326	$5,643,583
14	157	$44,499	$10,111	$34,388	$5,609,195
14	158	$44,499	$10,050	$34,450	$5,574,745
14	159	$44,499	$9,988	$34,511	$5,540,234
14	160	$44,499	$9,926	$34,573	$5,505,661
14	161	$44,499	$9,864	$34,635	$5,471,026
14	162	$44,499	$9,802	$34,697	$5,436,329
14	163	$44,499	$9,740	$34,759	$5,401,570
14	164	$44,499	$9,678	$34,822	$5,366,748
14	165	$44,499	$9,615	$34,884	$5,331,864
14	166	$44,499	$9,553	$34,946	$5,296,918
14	167	$44,499	$9,490	$35,009	$5,261,909
14	168	$44,499	$9,428	$35,072	$5,226,837
15	169	$44,499	$9,365	$35,135	$5,191,702
15	170	$44,499	$9,302	$35,198	$5,156,505
15	171	$44,499	$9,239	$35,261	$5,121,244
15	172	$44,499	$9,176	$35,324	$5,085,921
15	173	$44,499	$9,112	$35,387	$5,050,534
15	174	$44,499	$9,049	$35,450	$5,015,083
15	175	$44,499	$8,985	$35,514	$4,979,569
15	176	$44,499	$8,922	$35,578	$4,943,992
15	177	$44,499	$8,858	$35,641	$4,908,350
15	178	$44,499	$8,794	$35,705	$4,872,645
15	179	$44,499	$8,730	$35,769	$4,836,876
15	180	$44,499	$8,666	$35,833	$4,801,043
16	181	$44,499	$8,602	$35,897	$4,765,145
16	182	$44,499	$8,538	$35,962	$4,729,183
16	183	$44,499	$8,473	$36,026	$4,693,157
16	184	$44,499	$8,409	$36,091	$4,657,067
16	185	$44,499	$8,344	$36,155	$4,620,911
16	186	$44,499	$8,279	$36,220	$4,584,691
16	187	$44,499	$8,214	$36,285	$4,548,406
16	188	$44,499	$8,149	$36,350	$4,512,056
16	189	$44,499	$8,084	$36,415	$4,475,641
16	190	$44,499	$8,019	$36,480	$4,439,160
16	191	$44,499	$7,953	$36,546	$4,402,614
16	192	$44,499	$7,888	$36,611	$4,366,003
17	193	$44,499	$7,822	$36,677	$4,329,326
17	194	$44,499	$7,757	$36,743	$4,292,584
17	195	$44,499	$7,691	$36,808	$4,255,775
17	196	$44,499	$7,625	$36,874	$4,218,901
17	197	$44,499	$7,559	$36,940	$4,181,960
17	198	$44,499	$7,493	$37,007	$4,144,954
17	199	$44,499	$7,426	$37,073	$4,107,881
17	200	$44,499	$7,360	$37,139	$4,070,741
17	201	$44,499	$7,293	$37,206	$4,033,535
17	202	$44,499	$7,227	$37,273	$3,996,263
17	203	$44,499	$7,160	$37,339	$3,958,924
17	204	$44,499	$7,093	$37,406	$3,921,517
18	205	$44,499	$7,026	$37,473	$3,884,044
18	206	$44,499	$6,959	$37,540	$3,846,504
18	207	$44,499	$6,892	$37,608	$3,808,896
18	208	$44,499	$6,824	$37,675	$3,771,221
18	209	$44,499	$6,757	$37,743	$3,733,478
18	210	$44,499	$6,689	$37,810	$3,695,668
18	211	$44,499	$6,621	$37,878	$3,657,790
18	212	$44,499	$6,554	$37,946	$3,619,845
18	213	$44,499	$6,486	$38,014	$3,581,831
18	214	$44,499	$6,417	$38,082	$3,543,749
18	215	$44,499	$6,349	$38,150	$3,505,599
18	216	$44,499	$6,281	$38,218	$3,467,380
19	217	$44,499	$6,212	$38,287	$3,429,093
19	218	$44,499	$6,144	$38,356	$3,390,738
19	219	$44,499	$6,075	$38,424	$3,352,314
19	220	$44,499	$6,006	$38,493	$3,313,821
19	221	$44,499	$5,937	$38,562	$3,275,259
19	222	$44,499	$5,868	$38,631	$3,236,627
19	223	$44,499	$5,799	$38,700	$3,197,927
19	224	$44,499	$5,730	$38,770	$3,159,157
19	225	$44,499	$5,660	$38,839	$3,120,318
19	226	$44,499	$5,591	$38,909	$3,081,409
19	227	$44,499	$5,521	$38,978	$3,042,431
19	228	$44,499	$5,451	$39,048	$3,003,383
20	229	$44,499	$5,381	$39,118	$2,964,264
20	230	$44,499	$5,311	$39,188	$2,925,076
20	231	$44,499	$5,241	$39,259	$2,885,818
20	232	$44,499	$5,170	$39,329	$2,846,489
20	233	$44,499	$5,100	$39,399	$2,807,089
20	234	$44,499	$5,029	$39,470	$2,767,619
20	235	$44,499	$4,959	$39,541	$2,728,079
20	236	$44,499	$4,888	$39,612	$2,688,467
20	237	$44,499	$4,817	$39,682	$2,648,785
20	238	$44,499	$4,746	$39,754	$2,609,031
20	239	$44,499	$4,675	$39,825	$2,569,206
20	240	$44,499	$4,603	$39,896	$2,529,310
21	241	$44,499	$4,532	$39,968	$2,489,343
21	242	$44,499	$4,460	$40,039	$2,449,303
21	243	$44,499	$4,388	$40,111	$2,409,192
21	244	$44,499	$4,316	$40,183	$2,369,009
21	245	$44,499	$4,244	$40,255	$2,328,755
21	246	$44,499	$4,172	$40,327	$2,288,428
21	247	$44,499	$4,100	$40,399	$2,248,028
21	248	$44,499	$4,028	$40,472	$2,207,557
21	249	$44,499	$3,955	$40,544	$2,167,013
21	250	$44,499	$3,883	$40,617	$2,126,396
21	251	$44,499	$3,810	$40,690	$2,085,706
21	252	$44,499	$3,737	$40,762	$2,044,944
22	253	$44,499	$3,664	$40,835	$2,004,109
22	254	$44,499	$3,591	$40,909	$1,963,200
22	255	$44,499	$3,517	$40,982	$1,922,218
22	256	$44,499	$3,444	$41,055	$1,881,163
22	257	$44,499	$3,370	$41,129	$1,840,034
22	258	$44,499	$3,297	$41,203	$1,798,831
22	259	$44,499	$3,223	$41,276	$1,757,555
22	260	$44,499	$3,149	$41,350	$1,716,204
22	261	$44,499	$3,075	$41,424	$1,674,780
22	262	$44,499	$3,001	$41,499	$1,633,281
22	263	$44,499	$2,926	$41,573	$1,591,708
22	264	$44,499	$2,852	$41,648	$1,550,061
23	265	$44,499	$2,777	$41,722	$1,508,339
23	266	$44,499	$2,702	$41,797	$1,466,542
23	267	$44,499	$2,628	$41,872	$1,424,670
23	268	$44,499	$2,553	$41,947	$1,382,723
23	269	$44,499	$2,477	$42,022	$1,340,701
23	270	$44,499	$2,402	$42,097	$1,298,604
23	271	$44,499	$2,327	$42,173	$1,256,431
23	272	$44,499	$2,251	$42,248	$1,214,183
23	273	$44,499	$2,175	$42,324	$1,171,859
23	274	$44,499	$2,100	$42,400	$1,129,460
23	275	$44,499	$2,024	$42,476	$1,086,984
23	276	$44,499	$1,948	$42,552	$1,044,432
24	277	$44,499	$1,871	$42,628	$1,001,804
24	278	$44,499	$1,795	$42,704	$959,100
24	279	$44,499	$1,718	$42,781	$916,319
24	280	$44,499	$1,642	$42,858	$873,461
24	281	$44,499	$1,565	$42,934	$830,527
24	282	$44,499	$1,488	$43,011	$787,516
24	283	$44,499	$1,411	$43,088	$744,427
24	284	$44,499	$1,334	$43,166	$701,262
24	285	$44,499	$1,256	$43,243	$658,019
24	286	$44,499	$1,179	$43,320	$614,698
24	287	$44,499	$1,101	$43,398	$571,300
24	288	$44,499	$1,024	$43,476	$527,825
25	289	$44,499	$946	$43,554	$484,271
25	290	$44,499	$868	$43,632	$440,639
25	291	$44,499	$789	$43,710	$396,930
25	292	$44,499	$711	$43,788	$353,141
25	293	$44,499	$633	$43,867	$309,275
25	294	$44,499	$554	$43,945	$265,330
25	295	$44,499	$475	$44,024	$221,306
25	296	$44,499	$397	$44,103	$177,203
25	297	$44,499	$317	$44,182	$133,021
25	298	$44,499	$238	$44,261	$88,760
25	299	$44,499	$159	$44,340	$44,420
25	300	$44,499	$80	$44,420	$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$ 6,880,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 7,052,000

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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.