Century 21 Centaland Property

Down Payment (HKD)

$3,712,000

Monthly Repayment (HKD)

$24,009

Loan Amount (HKD)

$5,568,000

Total Interest (HKD)

$1,634,680

Total Repayment (HKD)

$7,202,680

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$24,009	$9,976	$14,033	$5,553,967
1	2	$24,009	$9,951	$14,058	$5,539,909
1	3	$24,009	$9,926	$14,083	$5,525,826
1	4	$24,009	$9,900	$14,108	$5,511,717
1	5	$24,009	$9,875	$14,134	$5,497,583
1	6	$24,009	$9,850	$14,159	$5,483,424
1	7	$24,009	$9,824	$14,184	$5,469,240
1	8	$24,009	$9,799	$14,210	$5,455,030
1	9	$24,009	$9,774	$14,235	$5,440,795
1	10	$24,009	$9,748	$14,261	$5,426,534
1	11	$24,009	$9,723	$14,286	$5,412,247
1	12	$24,009	$9,697	$14,312	$5,397,935
2	13	$24,009	$9,671	$14,338	$5,383,598
2	14	$24,009	$9,646	$14,363	$5,369,235
2	15	$24,009	$9,620	$14,389	$5,354,845
2	16	$24,009	$9,594	$14,415	$5,340,431
2	17	$24,009	$9,568	$14,441	$5,325,990
2	18	$24,009	$9,542	$14,467	$5,311,523
2	19	$24,009	$9,516	$14,492	$5,297,031
2	20	$24,009	$9,491	$14,518	$5,282,513
2	21	$24,009	$9,465	$14,544	$5,267,968
2	22	$24,009	$9,438	$14,570	$5,253,398
2	23	$24,009	$9,412	$14,597	$5,238,801
2	24	$24,009	$9,386	$14,623	$5,224,178
3	25	$24,009	$9,360	$14,649	$5,209,529
3	26	$24,009	$9,334	$14,675	$5,194,854
3	27	$24,009	$9,307	$14,701	$5,180,153
3	28	$24,009	$9,281	$14,728	$5,165,425
3	29	$24,009	$9,255	$14,754	$5,150,671
3	30	$24,009	$9,228	$14,781	$5,135,890
3	31	$24,009	$9,202	$14,807	$5,121,083
3	32	$24,009	$9,175	$14,834	$5,106,249
3	33	$24,009	$9,149	$14,860	$5,091,389
3	34	$24,009	$9,122	$14,887	$5,076,502
3	35	$24,009	$9,095	$14,914	$5,061,589
3	36	$24,009	$9,069	$14,940	$5,046,648
4	37	$24,009	$9,042	$14,967	$5,031,681
4	38	$24,009	$9,015	$14,994	$5,016,687
4	39	$24,009	$8,988	$15,021	$5,001,667
4	40	$24,009	$8,961	$15,048	$4,986,619
4	41	$24,009	$8,934	$15,075	$4,971,545
4	42	$24,009	$8,907	$15,102	$4,956,443
4	43	$24,009	$8,880	$15,129	$4,941,314
4	44	$24,009	$8,853	$15,156	$4,926,159
4	45	$24,009	$8,826	$15,183	$4,910,976
4	46	$24,009	$8,799	$15,210	$4,895,766
4	47	$24,009	$8,772	$15,237	$4,880,528
4	48	$24,009	$8,744	$15,265	$4,865,264
5	49	$24,009	$8,717	$15,292	$4,849,972
5	50	$24,009	$8,690	$15,319	$4,834,652
5	51	$24,009	$8,662	$15,347	$4,819,305
5	52	$24,009	$8,635	$15,374	$4,803,931
5	53	$24,009	$8,607	$15,402	$4,788,529
5	54	$24,009	$8,579	$15,429	$4,773,100
5	55	$24,009	$8,552	$15,457	$4,757,643
5	56	$24,009	$8,524	$15,485	$4,742,158
5	57	$24,009	$8,496	$15,513	$4,726,645
5	58	$24,009	$8,469	$15,540	$4,711,105
5	59	$24,009	$8,441	$15,568	$4,695,537
5	60	$24,009	$8,413	$15,596	$4,679,940
6	61	$24,009	$8,385	$15,624	$4,664,316
6	62	$24,009	$8,357	$15,652	$4,648,664
6	63	$24,009	$8,329	$15,680	$4,632,984
6	64	$24,009	$8,301	$15,708	$4,617,276
6	65	$24,009	$8,273	$15,736	$4,601,540
6	66	$24,009	$8,244	$15,765	$4,585,775
6	67	$24,009	$8,216	$15,793	$4,569,983
6	68	$24,009	$8,188	$15,821	$4,554,162
6	69	$24,009	$8,160	$15,849	$4,538,312
6	70	$24,009	$8,131	$15,878	$4,522,434
6	71	$24,009	$8,103	$15,906	$4,506,528
6	72	$24,009	$8,074	$15,935	$4,490,593
7	73	$24,009	$8,046	$15,963	$4,474,630
7	74	$24,009	$8,017	$15,992	$4,458,638
7	75	$24,009	$7,988	$16,021	$4,442,618
7	76	$24,009	$7,960	$16,049	$4,426,568
7	77	$24,009	$7,931	$16,078	$4,410,490
7	78	$24,009	$7,902	$16,107	$4,394,384
7	79	$24,009	$7,873	$16,136	$4,378,248
7	80	$24,009	$7,844	$16,165	$4,362,083
7	81	$24,009	$7,815	$16,194	$4,345,890
7	82	$24,009	$7,786	$16,223	$4,329,667
7	83	$24,009	$7,757	$16,252	$4,313,416
7	84	$24,009	$7,728	$16,281	$4,297,135
8	85	$24,009	$7,699	$16,310	$4,280,825
8	86	$24,009	$7,670	$16,339	$4,264,486
8	87	$24,009	$7,641	$16,368	$4,248,118
8	88	$24,009	$7,611	$16,398	$4,231,720
8	89	$24,009	$7,582	$16,427	$4,215,293
8	90	$24,009	$7,552	$16,457	$4,198,836
8	91	$24,009	$7,523	$16,486	$4,182,350
8	92	$24,009	$7,493	$16,516	$4,165,835
8	93	$24,009	$7,464	$16,545	$4,149,289
8	94	$24,009	$7,434	$16,575	$4,132,715
8	95	$24,009	$7,404	$16,604	$4,116,110
8	96	$24,009	$7,375	$16,634	$4,099,476
9	97	$24,009	$7,345	$16,664	$4,082,812
9	98	$24,009	$7,315	$16,694	$4,066,118
9	99	$24,009	$7,285	$16,724	$4,049,394
9	100	$24,009	$7,255	$16,754	$4,032,640
9	101	$24,009	$7,225	$16,784	$4,015,857
9	102	$24,009	$7,195	$16,814	$3,999,043
9	103	$24,009	$7,165	$16,844	$3,982,199
9	104	$24,009	$7,135	$16,874	$3,965,325
9	105	$24,009	$7,105	$16,904	$3,948,420
9	106	$24,009	$7,074	$16,935	$3,931,486
9	107	$24,009	$7,044	$16,965	$3,914,521
9	108	$24,009	$7,014	$16,995	$3,897,525
10	109	$24,009	$6,983	$17,026	$3,880,499
10	110	$24,009	$6,953	$17,056	$3,863,443
10	111	$24,009	$6,922	$17,087	$3,846,356
10	112	$24,009	$6,891	$17,118	$3,829,238
10	113	$24,009	$6,861	$17,148	$3,812,090
10	114	$24,009	$6,830	$17,179	$3,794,911
10	115	$24,009	$6,799	$17,210	$3,777,702
10	116	$24,009	$6,768	$17,241	$3,760,461
10	117	$24,009	$6,737	$17,271	$3,743,190
10	118	$24,009	$6,707	$17,302	$3,725,887
10	119	$24,009	$6,676	$17,333	$3,708,554
10	120	$24,009	$6,644	$17,364	$3,691,189
11	121	$24,009	$6,613	$17,396	$3,673,794
11	122	$24,009	$6,582	$17,427	$3,656,367
11	123	$24,009	$6,551	$17,458	$3,638,909
11	124	$24,009	$6,520	$17,489	$3,621,420
11	125	$24,009	$6,488	$17,521	$3,603,899
11	126	$24,009	$6,457	$17,552	$3,586,347
11	127	$24,009	$6,426	$17,583	$3,568,764
11	128	$24,009	$6,394	$17,615	$3,551,149
11	129	$24,009	$6,362	$17,646	$3,533,503
11	130	$24,009	$6,331	$17,678	$3,515,825
11	131	$24,009	$6,299	$17,710	$3,498,115
11	132	$24,009	$6,267	$17,741	$3,480,373
12	133	$24,009	$6,236	$17,773	$3,462,600
12	134	$24,009	$6,204	$17,805	$3,444,795
12	135	$24,009	$6,172	$17,837	$3,426,958
12	136	$24,009	$6,140	$17,869	$3,409,089
12	137	$24,009	$6,108	$17,901	$3,391,188
12	138	$24,009	$6,076	$17,933	$3,373,255
12	139	$24,009	$6,044	$17,965	$3,355,290
12	140	$24,009	$6,012	$17,997	$3,337,292
12	141	$24,009	$5,979	$18,030	$3,319,263
12	142	$24,009	$5,947	$18,062	$3,301,201
12	143	$24,009	$5,915	$18,094	$3,283,107
12	144	$24,009	$5,882	$18,127	$3,264,980
13	145	$24,009	$5,850	$18,159	$3,246,821
13	146	$24,009	$5,817	$18,192	$3,228,629
13	147	$24,009	$5,785	$18,224	$3,210,405
13	148	$24,009	$5,752	$18,257	$3,192,148
13	149	$24,009	$5,719	$18,290	$3,173,858
13	150	$24,009	$5,686	$18,322	$3,155,536
13	151	$24,009	$5,654	$18,355	$3,137,180
13	152	$24,009	$5,621	$18,388	$3,118,792
13	153	$24,009	$5,588	$18,421	$3,100,371
13	154	$24,009	$5,555	$18,454	$3,081,917
13	155	$24,009	$5,522	$18,487	$3,063,430
13	156	$24,009	$5,489	$18,520	$3,044,910
14	157	$24,009	$5,455	$18,553	$3,026,356
14	158	$24,009	$5,422	$18,587	$3,007,769
14	159	$24,009	$5,389	$18,620	$2,989,149
14	160	$24,009	$5,356	$18,653	$2,970,496
14	161	$24,009	$5,322	$18,687	$2,951,809
14	162	$24,009	$5,289	$18,720	$2,933,089
14	163	$24,009	$5,255	$18,754	$2,914,335
14	164	$24,009	$5,222	$18,787	$2,895,548
14	165	$24,009	$5,188	$18,821	$2,876,727
14	166	$24,009	$5,154	$18,855	$2,857,872
14	167	$24,009	$5,120	$18,889	$2,838,983
14	168	$24,009	$5,087	$18,922	$2,820,061
15	169	$24,009	$5,053	$18,956	$2,801,105
15	170	$24,009	$5,019	$18,990	$2,782,114
15	171	$24,009	$4,985	$19,024	$2,763,090
15	172	$24,009	$4,951	$19,058	$2,744,032
15	173	$24,009	$4,916	$19,093	$2,724,939
15	174	$24,009	$4,882	$19,127	$2,705,812
15	175	$24,009	$4,848	$19,161	$2,686,651
15	176	$24,009	$4,814	$19,195	$2,667,456
15	177	$24,009	$4,779	$19,230	$2,648,226
15	178	$24,009	$4,745	$19,264	$2,628,962
15	179	$24,009	$4,710	$19,299	$2,609,663
15	180	$24,009	$4,676	$19,333	$2,590,330
16	181	$24,009	$4,641	$19,368	$2,570,962
16	182	$24,009	$4,606	$19,403	$2,551,559
16	183	$24,009	$4,572	$19,437	$2,532,122
16	184	$24,009	$4,537	$19,472	$2,512,650
16	185	$24,009	$4,502	$19,507	$2,493,143
16	186	$24,009	$4,467	$19,542	$2,473,601
16	187	$24,009	$4,432	$19,577	$2,454,024
16	188	$24,009	$4,397	$19,612	$2,434,412
16	189	$24,009	$4,362	$19,647	$2,414,764
16	190	$24,009	$4,326	$19,682	$2,395,082
16	191	$24,009	$4,291	$19,718	$2,375,364
16	192	$24,009	$4,256	$19,753	$2,355,611
17	193	$24,009	$4,220	$19,788	$2,335,822
17	194	$24,009	$4,185	$19,824	$2,315,999
17	195	$24,009	$4,149	$19,859	$2,296,139
17	196	$24,009	$4,114	$19,895	$2,276,244
17	197	$24,009	$4,078	$19,931	$2,256,313
17	198	$24,009	$4,043	$19,966	$2,236,347
17	199	$24,009	$4,007	$20,002	$2,216,345
17	200	$24,009	$3,971	$20,038	$2,196,307
17	201	$24,009	$3,935	$20,074	$2,176,233
17	202	$24,009	$3,899	$20,110	$2,156,123
17	203	$24,009	$3,863	$20,146	$2,135,977
17	204	$24,009	$3,827	$20,182	$2,115,795
18	205	$24,009	$3,791	$20,218	$2,095,577
18	206	$24,009	$3,755	$20,254	$2,075,323
18	207	$24,009	$3,718	$20,291	$2,055,032
18	208	$24,009	$3,682	$20,327	$2,034,705
18	209	$24,009	$3,646	$20,363	$2,014,342
18	210	$24,009	$3,609	$20,400	$1,993,942
18	211	$24,009	$3,572	$20,436	$1,973,505
18	212	$24,009	$3,536	$20,473	$1,953,032
18	213	$24,009	$3,499	$20,510	$1,932,523
18	214	$24,009	$3,462	$20,546	$1,911,976
18	215	$24,009	$3,426	$20,583	$1,891,393
18	216	$24,009	$3,389	$20,620	$1,870,773
19	217	$24,009	$3,352	$20,657	$1,850,116
19	218	$24,009	$3,315	$20,694	$1,829,421
19	219	$24,009	$3,278	$20,731	$1,808,690
19	220	$24,009	$3,241	$20,768	$1,787,922
19	221	$24,009	$3,203	$20,806	$1,767,116
19	222	$24,009	$3,166	$20,843	$1,746,273
19	223	$24,009	$3,129	$20,880	$1,725,393
19	224	$24,009	$3,091	$20,918	$1,704,476
19	225	$24,009	$3,054	$20,955	$1,683,520
19	226	$24,009	$3,016	$20,993	$1,662,528
19	227	$24,009	$2,979	$21,030	$1,641,498
19	228	$24,009	$2,941	$21,068	$1,620,430
20	229	$24,009	$2,903	$21,106	$1,599,324
20	230	$24,009	$2,865	$21,143	$1,578,181
20	231	$24,009	$2,828	$21,181	$1,556,999
20	232	$24,009	$2,790	$21,219	$1,535,780
20	233	$24,009	$2,752	$21,257	$1,514,523
20	234	$24,009	$2,714	$21,295	$1,493,227
20	235	$24,009	$2,675	$21,334	$1,471,894
20	236	$24,009	$2,637	$21,372	$1,450,522
20	237	$24,009	$2,599	$21,410	$1,429,112
20	238	$24,009	$2,560	$21,448	$1,407,663
20	239	$24,009	$2,522	$21,487	$1,386,176
20	240	$24,009	$2,484	$21,525	$1,364,651
21	241	$24,009	$2,445	$21,564	$1,343,087
21	242	$24,009	$2,406	$21,603	$1,321,485
21	243	$24,009	$2,368	$21,641	$1,299,843
21	244	$24,009	$2,329	$21,680	$1,278,163
21	245	$24,009	$2,290	$21,719	$1,256,444
21	246	$24,009	$2,251	$21,758	$1,234,687
21	247	$24,009	$2,212	$21,797	$1,212,890
21	248	$24,009	$2,173	$21,836	$1,191,054
21	249	$24,009	$2,134	$21,875	$1,169,179
21	250	$24,009	$2,095	$21,914	$1,147,265
21	251	$24,009	$2,056	$21,953	$1,125,311
21	252	$24,009	$2,016	$21,993	$1,103,319
22	253	$24,009	$1,977	$22,032	$1,081,286
22	254	$24,009	$1,937	$22,072	$1,059,215
22	255	$24,009	$1,898	$22,111	$1,037,104
22	256	$24,009	$1,858	$22,151	$1,014,953
22	257	$24,009	$1,818	$22,190	$992,762
22	258	$24,009	$1,779	$22,230	$970,532
22	259	$24,009	$1,739	$22,270	$948,262
22	260	$24,009	$1,699	$22,310	$925,952
22	261	$24,009	$1,659	$22,350	$903,602
22	262	$24,009	$1,619	$22,390	$881,212
22	263	$24,009	$1,579	$22,430	$858,782
22	264	$24,009	$1,539	$22,470	$836,312
23	265	$24,009	$1,498	$22,511	$813,801
23	266	$24,009	$1,458	$22,551	$791,250
23	267	$24,009	$1,418	$22,591	$768,659
23	268	$24,009	$1,377	$22,632	$746,027
23	269	$24,009	$1,337	$22,672	$723,355
23	270	$24,009	$1,296	$22,713	$700,642
23	271	$24,009	$1,255	$22,754	$677,889
23	272	$24,009	$1,215	$22,794	$655,094
23	273	$24,009	$1,174	$22,835	$632,259
23	274	$24,009	$1,133	$22,876	$609,383
23	275	$24,009	$1,092	$22,917	$586,466
23	276	$24,009	$1,051	$22,958	$563,508
24	277	$24,009	$1,010	$22,999	$540,508
24	278	$24,009	$968	$23,041	$517,468
24	279	$24,009	$927	$23,082	$494,386
24	280	$24,009	$886	$23,123	$471,263
24	281	$24,009	$844	$23,165	$448,098
24	282	$24,009	$803	$23,206	$424,892
24	283	$24,009	$761	$23,248	$401,644
24	284	$24,009	$720	$23,289	$378,355
24	285	$24,009	$678	$23,331	$355,024
24	286	$24,009	$636	$23,373	$331,651
24	287	$24,009	$594	$23,415	$308,236
24	288	$24,009	$552	$23,457	$284,780
25	289	$24,009	$510	$23,499	$261,281
25	290	$24,009	$468	$23,541	$237,740
25	291	$24,009	$426	$23,583	$214,157
25	292	$24,009	$384	$23,625	$190,532
25	293	$24,009	$341	$23,668	$166,865
25	294	$24,009	$299	$23,710	$143,155
25	295	$24,009	$256	$23,752	$119,402
25	296	$24,009	$214	$23,795	$95,607
25	297	$24,009	$171	$23,838	$71,769
25	298	$24,009	$129	$23,880	$47,889
25	299	$24,009	$86	$23,923	$23,966
25	300	$24,009	$43	$23,966	$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$ 3,712,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,804,800

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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.