Century 21 Centaland Property

Down Payment (HKD)

$3,440,000

Monthly Repayment (HKD)

$22,250

Loan Amount (HKD)

$5,160,000

Total Interest (HKD)

$1,514,897

Total Repayment (HKD)

$6,674,897

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$22,250	$9,245	$13,005	$5,146,995
1	2	$22,250	$9,222	$13,028	$5,133,967
1	3	$22,250	$9,198	$13,051	$5,120,916
1	4	$22,250	$9,175	$13,075	$5,107,841
1	5	$22,250	$9,152	$13,098	$5,094,743
1	6	$22,250	$9,128	$13,122	$5,081,622
1	7	$22,250	$9,105	$13,145	$5,068,477
1	8	$22,250	$9,081	$13,169	$5,055,308
1	9	$22,250	$9,057	$13,192	$5,042,116
1	10	$22,250	$9,034	$13,216	$5,028,900
1	11	$22,250	$9,010	$13,240	$5,015,660
1	12	$22,250	$8,986	$13,263	$5,002,397
2	13	$22,250	$8,963	$13,287	$4,989,110
2	14	$22,250	$8,939	$13,311	$4,975,799
2	15	$22,250	$8,915	$13,335	$4,962,465
2	16	$22,250	$8,891	$13,359	$4,949,106
2	17	$22,250	$8,867	$13,383	$4,935,723
2	18	$22,250	$8,843	$13,406	$4,922,317
2	19	$22,250	$8,819	$13,431	$4,908,886
2	20	$22,250	$8,795	$13,455	$4,895,432
2	21	$22,250	$8,771	$13,479	$4,881,953
2	22	$22,250	$8,747	$13,503	$4,868,450
2	23	$22,250	$8,723	$13,527	$4,854,923
2	24	$22,250	$8,698	$13,551	$4,841,372
3	25	$22,250	$8,674	$13,576	$4,827,797
3	26	$22,250	$8,650	$13,600	$4,814,197
3	27	$22,250	$8,625	$13,624	$4,800,573
3	28	$22,250	$8,601	$13,649	$4,786,924
3	29	$22,250	$8,577	$13,673	$4,773,251
3	30	$22,250	$8,552	$13,698	$4,759,553
3	31	$22,250	$8,528	$13,722	$4,745,831
3	32	$22,250	$8,503	$13,747	$4,732,084
3	33	$22,250	$8,478	$13,771	$4,718,313
3	34	$22,250	$8,454	$13,796	$4,704,517
3	35	$22,250	$8,429	$13,821	$4,690,696
3	36	$22,250	$8,404	$13,845	$4,676,851
4	37	$22,250	$8,379	$13,870	$4,662,981
4	38	$22,250	$8,355	$13,895	$4,649,085
4	39	$22,250	$8,330	$13,920	$4,635,165
4	40	$22,250	$8,305	$13,945	$4,621,220
4	41	$22,250	$8,280	$13,970	$4,607,250
4	42	$22,250	$8,255	$13,995	$4,593,255
4	43	$22,250	$8,230	$14,020	$4,579,235
4	44	$22,250	$8,204	$14,045	$4,565,190
4	45	$22,250	$8,179	$14,070	$4,551,120
4	46	$22,250	$8,154	$14,096	$4,537,024
4	47	$22,250	$8,129	$14,121	$4,522,903
4	48	$22,250	$8,104	$14,146	$4,508,757
5	49	$22,250	$8,078	$14,171	$4,494,586
5	50	$22,250	$8,053	$14,197	$4,480,389
5	51	$22,250	$8,027	$14,222	$4,466,167
5	52	$22,250	$8,002	$14,248	$4,451,919
5	53	$22,250	$7,976	$14,273	$4,437,646
5	54	$22,250	$7,951	$14,299	$4,423,347
5	55	$22,250	$7,925	$14,324	$4,409,022
5	56	$22,250	$7,899	$14,350	$4,394,672
5	57	$22,250	$7,874	$14,376	$4,380,296
5	58	$22,250	$7,848	$14,402	$4,365,895
5	59	$22,250	$7,822	$14,427	$4,351,467
5	60	$22,250	$7,796	$14,453	$4,337,014
6	61	$22,250	$7,770	$14,479	$4,322,535
6	62	$22,250	$7,745	$14,505	$4,308,030
6	63	$22,250	$7,719	$14,531	$4,293,498
6	64	$22,250	$7,693	$14,557	$4,278,941
6	65	$22,250	$7,666	$14,583	$4,264,358
6	66	$22,250	$7,640	$14,609	$4,249,749
6	67	$22,250	$7,614	$14,636	$4,235,113
6	68	$22,250	$7,588	$14,662	$4,220,451
6	69	$22,250	$7,562	$14,688	$4,205,763
6	70	$22,250	$7,535	$14,714	$4,191,049
6	71	$22,250	$7,509	$14,741	$4,176,308
6	72	$22,250	$7,483	$14,767	$4,161,541
7	73	$22,250	$7,456	$14,794	$4,146,748
7	74	$22,250	$7,430	$14,820	$4,131,928
7	75	$22,250	$7,403	$14,847	$4,117,081
7	76	$22,250	$7,376	$14,873	$4,102,208
7	77	$22,250	$7,350	$14,900	$4,087,308
7	78	$22,250	$7,323	$14,927	$4,072,381
7	79	$22,250	$7,296	$14,953	$4,057,428
7	80	$22,250	$7,270	$14,980	$4,042,448
7	81	$22,250	$7,243	$15,007	$4,027,441
7	82	$22,250	$7,216	$15,034	$4,012,407
7	83	$22,250	$7,189	$15,061	$3,997,346
7	84	$22,250	$7,162	$15,088	$3,982,259
8	85	$22,250	$7,135	$15,115	$3,967,144
8	86	$22,250	$7,108	$15,142	$3,952,002
8	87	$22,250	$7,081	$15,169	$3,936,833
8	88	$22,250	$7,053	$15,196	$3,921,637
8	89	$22,250	$7,026	$15,223	$3,906,414
8	90	$22,250	$6,999	$15,251	$3,891,163
8	91	$22,250	$6,972	$15,278	$3,875,885
8	92	$22,250	$6,944	$15,305	$3,860,580
8	93	$22,250	$6,917	$15,333	$3,845,247
8	94	$22,250	$6,889	$15,360	$3,829,886
8	95	$22,250	$6,862	$15,388	$3,814,499
8	96	$22,250	$6,834	$15,415	$3,799,083
9	97	$22,250	$6,807	$15,443	$3,783,640
9	98	$22,250	$6,779	$15,471	$3,768,170
9	99	$22,250	$6,751	$15,498	$3,752,671
9	100	$22,250	$6,724	$15,526	$3,737,145
9	101	$22,250	$6,696	$15,554	$3,721,591
9	102	$22,250	$6,668	$15,582	$3,706,010
9	103	$22,250	$6,640	$15,610	$3,690,400
9	104	$22,250	$6,612	$15,638	$3,674,762
9	105	$22,250	$6,584	$15,666	$3,659,096
9	106	$22,250	$6,556	$15,694	$3,643,403
9	107	$22,250	$6,528	$15,722	$3,627,681
9	108	$22,250	$6,500	$15,750	$3,611,931
10	109	$22,250	$6,471	$15,778	$3,596,152
10	110	$22,250	$6,443	$15,807	$3,580,346
10	111	$22,250	$6,415	$15,835	$3,564,511
10	112	$22,250	$6,386	$15,863	$3,548,648
10	113	$22,250	$6,358	$15,892	$3,532,756
10	114	$22,250	$6,330	$15,920	$3,516,836
10	115	$22,250	$6,301	$15,949	$3,500,887
10	116	$22,250	$6,272	$15,977	$3,484,910
10	117	$22,250	$6,244	$16,006	$3,468,904
10	118	$22,250	$6,215	$16,035	$3,452,870
10	119	$22,250	$6,186	$16,063	$3,436,806
10	120	$22,250	$6,158	$16,092	$3,420,714
11	121	$22,250	$6,129	$16,121	$3,404,593
11	122	$22,250	$6,100	$16,150	$3,388,444
11	123	$22,250	$6,071	$16,179	$3,372,265
11	124	$22,250	$6,042	$16,208	$3,356,057
11	125	$22,250	$6,013	$16,237	$3,339,821
11	126	$22,250	$5,984	$16,266	$3,323,555
11	127	$22,250	$5,955	$16,295	$3,307,260
11	128	$22,250	$5,926	$16,324	$3,290,936
11	129	$22,250	$5,896	$16,353	$3,274,582
11	130	$22,250	$5,867	$16,383	$3,258,200
11	131	$22,250	$5,838	$16,412	$3,241,788
11	132	$22,250	$5,808	$16,441	$3,225,346
12	133	$22,250	$5,779	$16,471	$3,208,875
12	134	$22,250	$5,749	$16,500	$3,192,375
12	135	$22,250	$5,720	$16,530	$3,175,845
12	136	$22,250	$5,690	$16,560	$3,159,285
12	137	$22,250	$5,660	$16,589	$3,142,696
12	138	$22,250	$5,631	$16,619	$3,126,077
12	139	$22,250	$5,601	$16,649	$3,109,428
12	140	$22,250	$5,571	$16,679	$3,092,750
12	141	$22,250	$5,541	$16,708	$3,076,041
12	142	$22,250	$5,511	$16,738	$3,059,303
12	143	$22,250	$5,481	$16,768	$3,042,534
12	144	$22,250	$5,451	$16,798	$3,025,736
13	145	$22,250	$5,421	$16,829	$3,008,907
13	146	$22,250	$5,391	$16,859	$2,992,049
13	147	$22,250	$5,361	$16,889	$2,975,160
13	148	$22,250	$5,330	$16,919	$2,958,240
13	149	$22,250	$5,300	$16,949	$2,941,291
13	150	$22,250	$5,270	$16,980	$2,924,311
13	151	$22,250	$5,239	$17,010	$2,907,301
13	152	$22,250	$5,209	$17,041	$2,890,260
13	153	$22,250	$5,178	$17,071	$2,873,189
13	154	$22,250	$5,148	$17,102	$2,856,087
13	155	$22,250	$5,117	$17,133	$2,838,954
13	156	$22,250	$5,086	$17,163	$2,821,791
14	157	$22,250	$5,056	$17,194	$2,804,597
14	158	$22,250	$5,025	$17,225	$2,787,373
14	159	$22,250	$4,994	$17,256	$2,770,117
14	160	$22,250	$4,963	$17,287	$2,752,830
14	161	$22,250	$4,932	$17,318	$2,735,513
14	162	$22,250	$4,901	$17,349	$2,718,164
14	163	$22,250	$4,870	$17,380	$2,700,785
14	164	$22,250	$4,839	$17,411	$2,683,374
14	165	$22,250	$4,808	$17,442	$2,665,932
14	166	$22,250	$4,776	$17,473	$2,648,459
14	167	$22,250	$4,745	$17,505	$2,630,954
14	168	$22,250	$4,714	$17,536	$2,613,419
15	169	$22,250	$4,682	$17,567	$2,595,851
15	170	$22,250	$4,651	$17,599	$2,578,252
15	171	$22,250	$4,619	$17,630	$2,560,622
15	172	$22,250	$4,588	$17,662	$2,542,960
15	173	$22,250	$4,556	$17,694	$2,525,267
15	174	$22,250	$4,524	$17,725	$2,507,542
15	175	$22,250	$4,493	$17,757	$2,489,785
15	176	$22,250	$4,461	$17,789	$2,471,996
15	177	$22,250	$4,429	$17,821	$2,454,175
15	178	$22,250	$4,397	$17,853	$2,436,323
15	179	$22,250	$4,365	$17,885	$2,418,438
15	180	$22,250	$4,333	$17,917	$2,400,521
16	181	$22,250	$4,301	$17,949	$2,382,573
16	182	$22,250	$4,269	$17,981	$2,364,592
16	183	$22,250	$4,237	$18,013	$2,346,579
16	184	$22,250	$4,204	$18,045	$2,328,533
16	185	$22,250	$4,172	$18,078	$2,310,456
16	186	$22,250	$4,140	$18,110	$2,292,345
16	187	$22,250	$4,107	$18,143	$2,274,203
16	188	$22,250	$4,075	$18,175	$2,256,028
16	189	$22,250	$4,042	$18,208	$2,237,820
16	190	$22,250	$4,009	$18,240	$2,219,580
16	191	$22,250	$3,977	$18,273	$2,201,307
16	192	$22,250	$3,944	$18,306	$2,183,002
17	193	$22,250	$3,911	$18,338	$2,164,663
17	194	$22,250	$3,878	$18,371	$2,146,292
17	195	$22,250	$3,845	$18,404	$2,127,888
17	196	$22,250	$3,812	$18,437	$2,109,450
17	197	$22,250	$3,779	$18,470	$2,090,980
17	198	$22,250	$3,746	$18,503	$2,072,477
17	199	$22,250	$3,713	$18,536	$2,053,940
17	200	$22,250	$3,680	$18,570	$2,035,371
17	201	$22,250	$3,647	$18,603	$2,016,768
17	202	$22,250	$3,613	$18,636	$1,998,131
17	203	$22,250	$3,580	$18,670	$1,979,462
17	204	$22,250	$3,547	$18,703	$1,960,759
18	205	$22,250	$3,513	$18,737	$1,942,022
18	206	$22,250	$3,479	$18,770	$1,923,252
18	207	$22,250	$3,446	$18,804	$1,904,448
18	208	$22,250	$3,412	$18,838	$1,885,610
18	209	$22,250	$3,378	$18,871	$1,866,739
18	210	$22,250	$3,345	$18,905	$1,847,834
18	211	$22,250	$3,311	$18,939	$1,828,895
18	212	$22,250	$3,277	$18,973	$1,809,922
18	213	$22,250	$3,243	$19,007	$1,790,915
18	214	$22,250	$3,209	$19,041	$1,771,874
18	215	$22,250	$3,175	$19,075	$1,752,799
18	216	$22,250	$3,140	$19,109	$1,733,690
19	217	$22,250	$3,106	$19,143	$1,714,547
19	218	$22,250	$3,072	$19,178	$1,695,369
19	219	$22,250	$3,038	$19,212	$1,676,157
19	220	$22,250	$3,003	$19,247	$1,656,910
19	221	$22,250	$2,969	$19,281	$1,637,629
19	222	$22,250	$2,934	$19,316	$1,618,314
19	223	$22,250	$2,899	$19,350	$1,598,964
19	224	$22,250	$2,865	$19,385	$1,579,579
19	225	$22,250	$2,830	$19,420	$1,560,159
19	226	$22,250	$2,795	$19,454	$1,540,705
19	227	$22,250	$2,760	$19,489	$1,521,215
19	228	$22,250	$2,726	$19,524	$1,501,691
20	229	$22,250	$2,691	$19,559	$1,482,132
20	230	$22,250	$2,655	$19,594	$1,462,538
20	231	$22,250	$2,620	$19,629	$1,442,909
20	232	$22,250	$2,585	$19,664	$1,423,244
20	233	$22,250	$2,550	$19,700	$1,403,545
20	234	$22,250	$2,515	$19,735	$1,383,810
20	235	$22,250	$2,479	$19,770	$1,364,039
20	236	$22,250	$2,444	$19,806	$1,344,234
20	237	$22,250	$2,408	$19,841	$1,324,392
20	238	$22,250	$2,373	$19,877	$1,304,516
20	239	$22,250	$2,337	$19,912	$1,284,603
20	240	$22,250	$2,302	$19,948	$1,264,655
21	241	$22,250	$2,266	$19,984	$1,244,671
21	242	$22,250	$2,230	$20,020	$1,224,652
21	243	$22,250	$2,194	$20,055	$1,204,596
21	244	$22,250	$2,158	$20,091	$1,184,505
21	245	$22,250	$2,122	$20,127	$1,164,377
21	246	$22,250	$2,086	$20,163	$1,144,214
21	247	$22,250	$2,050	$20,200	$1,124,014
21	248	$22,250	$2,014	$20,236	$1,103,778
21	249	$22,250	$1,978	$20,272	$1,083,506
21	250	$22,250	$1,941	$20,308	$1,063,198
21	251	$22,250	$1,905	$20,345	$1,042,853
21	252	$22,250	$1,868	$20,381	$1,022,472
22	253	$22,250	$1,832	$20,418	$1,002,054
22	254	$22,250	$1,795	$20,454	$981,600
22	255	$22,250	$1,759	$20,491	$961,109
22	256	$22,250	$1,722	$20,528	$940,581
22	257	$22,250	$1,685	$20,564	$920,017
22	258	$22,250	$1,648	$20,601	$899,416
22	259	$22,250	$1,611	$20,638	$878,777
22	260	$22,250	$1,574	$20,675	$858,102
22	261	$22,250	$1,537	$20,712	$837,390
22	262	$22,250	$1,500	$20,749	$816,641
22	263	$22,250	$1,463	$20,787	$795,854
22	264	$22,250	$1,426	$20,824	$775,030
23	265	$22,250	$1,389	$20,861	$754,169
23	266	$22,250	$1,351	$20,898	$733,271
23	267	$22,250	$1,314	$20,936	$712,335
23	268	$22,250	$1,276	$20,973	$691,362
23	269	$22,250	$1,239	$21,011	$670,351
23	270	$22,250	$1,201	$21,049	$649,302
23	271	$22,250	$1,163	$21,086	$628,216
23	272	$22,250	$1,126	$21,124	$607,092
23	273	$22,250	$1,088	$21,162	$585,930
23	274	$22,250	$1,050	$21,200	$564,730
23	275	$22,250	$1,012	$21,238	$543,492
23	276	$22,250	$974	$21,276	$522,216
24	277	$22,250	$936	$21,314	$500,902
24	278	$22,250	$897	$21,352	$479,550
24	279	$22,250	$859	$21,390	$458,159
24	280	$22,250	$821	$21,429	$436,731
24	281	$22,250	$782	$21,467	$415,263
24	282	$22,250	$744	$21,506	$393,758
24	283	$22,250	$705	$21,544	$372,214
24	284	$22,250	$667	$21,583	$350,631
24	285	$22,250	$628	$21,621	$329,009
24	286	$22,250	$589	$21,660	$307,349
24	287	$22,250	$551	$21,699	$285,650
24	288	$22,250	$512	$21,738	$263,912
25	289	$22,250	$473	$21,777	$242,136
25	290	$22,250	$434	$21,816	$220,320
25	291	$22,250	$395	$21,855	$198,465
25	292	$22,250	$356	$21,894	$176,571
25	293	$22,250	$316	$21,933	$154,637
25	294	$22,250	$277	$21,973	$132,665
25	295	$22,250	$238	$22,012	$110,653
25	296	$22,250	$198	$22,051	$88,601
25	297	$22,250	$159	$22,091	$66,510
25	298	$22,250	$119	$22,130	$44,380
25	299	$22,250	$80	$22,170	$22,210
25	300	$22,250	$40	$22,210	$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$ 3,440,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,526,000

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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.