Century 21 Centaland Property

Down Payment (HKD)

$6,392,000

Monthly Repayment (HKD)

$41,343

Loan Amount (HKD)

$9,588,000

Total Interest (HKD)

$2,814,890

Total Repayment (HKD)

$12,402,890

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$41,343	$17,179	$24,164	$9,563,836
1	2	$41,343	$17,135	$24,208	$9,539,628
1	3	$41,343	$17,092	$24,251	$9,515,377
1	4	$41,343	$17,048	$24,295	$9,491,082
1	5	$41,343	$17,005	$24,338	$9,466,744
1	6	$41,343	$16,961	$24,382	$9,442,362
1	7	$41,343	$16,918	$24,425	$9,417,937
1	8	$41,343	$16,874	$24,469	$9,393,468
1	9	$41,343	$16,830	$24,513	$9,368,955
1	10	$41,343	$16,786	$24,557	$9,344,398
1	11	$41,343	$16,742	$24,601	$9,319,797
1	12	$41,343	$16,698	$24,645	$9,295,152
2	13	$41,343	$16,654	$24,689	$9,270,463
2	14	$41,343	$16,610	$24,733	$9,245,729
2	15	$41,343	$16,565	$24,778	$9,220,952
2	16	$41,343	$16,521	$24,822	$9,196,129
2	17	$41,343	$16,476	$24,867	$9,171,263
2	18	$41,343	$16,432	$24,911	$9,146,352
2	19	$41,343	$16,387	$24,956	$9,121,396
2	20	$41,343	$16,343	$25,000	$9,096,396
2	21	$41,343	$16,298	$25,045	$9,071,350
2	22	$41,343	$16,253	$25,090	$9,046,260
2	23	$41,343	$16,208	$25,135	$9,021,125
2	24	$41,343	$16,163	$25,180	$8,995,945
3	25	$41,343	$16,118	$25,225	$8,970,720
3	26	$41,343	$16,073	$25,270	$8,945,449
3	27	$41,343	$16,027	$25,316	$8,920,134
3	28	$41,343	$15,982	$25,361	$8,894,773
3	29	$41,343	$15,936	$25,407	$8,869,366
3	30	$41,343	$15,891	$25,452	$8,843,914
3	31	$41,343	$15,845	$25,498	$8,818,416
3	32	$41,343	$15,800	$25,543	$8,792,873
3	33	$41,343	$15,754	$25,589	$8,767,284
3	34	$41,343	$15,708	$25,635	$8,741,649
3	35	$41,343	$15,662	$25,681	$8,715,968
3	36	$41,343	$15,616	$25,727	$8,690,241
4	37	$41,343	$15,570	$25,773	$8,664,468
4	38	$41,343	$15,524	$25,819	$8,638,649
4	39	$41,343	$15,478	$25,865	$8,612,784
4	40	$41,343	$15,431	$25,912	$8,586,872
4	41	$41,343	$15,385	$25,958	$8,560,914
4	42	$41,343	$15,338	$26,005	$8,534,909
4	43	$41,343	$15,292	$26,051	$8,508,858
4	44	$41,343	$15,245	$26,098	$8,482,760
4	45	$41,343	$15,198	$26,145	$8,456,616
4	46	$41,343	$15,151	$26,192	$8,430,424
4	47	$41,343	$15,105	$26,238	$8,404,186
4	48	$41,343	$15,057	$26,285	$8,377,900
5	49	$41,343	$15,010	$26,333	$8,351,567
5	50	$41,343	$14,963	$26,380	$8,325,188
5	51	$41,343	$14,916	$26,427	$8,298,761
5	52	$41,343	$14,869	$26,474	$8,272,286
5	53	$41,343	$14,821	$26,522	$8,245,765
5	54	$41,343	$14,774	$26,569	$8,219,195
5	55	$41,343	$14,726	$26,617	$8,192,578
5	56	$41,343	$14,678	$26,665	$8,165,914
5	57	$41,343	$14,631	$26,712	$8,139,201
5	58	$41,343	$14,583	$26,760	$8,112,441
5	59	$41,343	$14,535	$26,808	$8,085,633
5	60	$41,343	$14,487	$26,856	$8,058,777
6	61	$41,343	$14,439	$26,904	$8,031,872
6	62	$41,343	$14,390	$26,953	$8,004,920
6	63	$41,343	$14,342	$27,001	$7,977,919
6	64	$41,343	$14,294	$27,049	$7,950,870
6	65	$41,343	$14,245	$27,098	$7,923,772
6	66	$41,343	$14,197	$27,146	$7,896,626
6	67	$41,343	$14,148	$27,195	$7,869,431
6	68	$41,343	$14,099	$27,244	$7,842,188
6	69	$41,343	$14,051	$27,292	$7,814,895
6	70	$41,343	$14,002	$27,341	$7,787,554
6	71	$41,343	$13,953	$27,390	$7,760,164
6	72	$41,343	$13,904	$27,439	$7,732,724
7	73	$41,343	$13,854	$27,489	$7,705,236
7	74	$41,343	$13,805	$27,538	$7,677,698
7	75	$41,343	$13,756	$27,587	$7,650,111
7	76	$41,343	$13,706	$27,637	$7,622,475
7	77	$41,343	$13,657	$27,686	$7,594,788
7	78	$41,343	$13,607	$27,736	$7,567,053
7	79	$41,343	$13,558	$27,785	$7,539,267
7	80	$41,343	$13,508	$27,835	$7,511,432
7	81	$41,343	$13,458	$27,885	$7,483,547
7	82	$41,343	$13,408	$27,935	$7,455,612
7	83	$41,343	$13,358	$27,985	$7,427,627
7	84	$41,343	$13,308	$28,035	$7,399,592
8	85	$41,343	$13,258	$28,085	$7,371,507
8	86	$41,343	$13,207	$28,136	$7,343,371
8	87	$41,343	$13,157	$28,186	$7,315,185
8	88	$41,343	$13,106	$28,237	$7,286,949
8	89	$41,343	$13,056	$28,287	$7,258,661
8	90	$41,343	$13,005	$28,338	$7,230,324
8	91	$41,343	$12,954	$28,389	$7,201,935
8	92	$41,343	$12,903	$28,440	$7,173,495
8	93	$41,343	$12,853	$28,490	$7,145,005
8	94	$41,343	$12,801	$28,542	$7,116,463
8	95	$41,343	$12,750	$28,593	$7,087,871
8	96	$41,343	$12,699	$28,644	$7,059,227
9	97	$41,343	$12,648	$28,695	$7,030,532
9	98	$41,343	$12,596	$28,747	$7,001,785
9	99	$41,343	$12,545	$28,798	$6,972,987
9	100	$41,343	$12,493	$28,850	$6,944,137
9	101	$41,343	$12,442	$28,901	$6,915,236
9	102	$41,343	$12,390	$28,953	$6,886,283
9	103	$41,343	$12,338	$29,005	$6,857,278
9	104	$41,343	$12,286	$29,057	$6,828,221
9	105	$41,343	$12,234	$29,109	$6,799,112
9	106	$41,343	$12,182	$29,161	$6,769,950
9	107	$41,343	$12,129	$29,213	$6,740,737
9	108	$41,343	$12,077	$29,266	$6,711,471
10	109	$41,343	$12,025	$29,318	$6,682,153
10	110	$41,343	$11,972	$29,371	$6,652,782
10	111	$41,343	$11,920	$29,423	$6,623,359
10	112	$41,343	$11,867	$29,476	$6,593,883
10	113	$41,343	$11,814	$29,529	$6,564,354
10	114	$41,343	$11,761	$29,582	$6,534,772
10	115	$41,343	$11,708	$29,635	$6,505,137
10	116	$41,343	$11,655	$29,688	$6,475,449
10	117	$41,343	$11,602	$29,741	$6,445,708
10	118	$41,343	$11,549	$29,794	$6,415,914
10	119	$41,343	$11,495	$29,848	$6,386,066
10	120	$41,343	$11,442	$29,901	$6,356,165
11	121	$41,343	$11,388	$29,955	$6,326,210
11	122	$41,343	$11,334	$30,009	$6,296,201
11	123	$41,343	$11,281	$30,062	$6,266,139
11	124	$41,343	$11,227	$30,116	$6,236,023
11	125	$41,343	$11,173	$30,170	$6,205,853
11	126	$41,343	$11,119	$30,224	$6,175,629
11	127	$41,343	$11,065	$30,278	$6,145,350
11	128	$41,343	$11,010	$30,333	$6,115,018
11	129	$41,343	$10,956	$30,387	$6,084,631
11	130	$41,343	$10,902	$30,441	$6,054,189
11	131	$41,343	$10,847	$30,496	$6,023,694
11	132	$41,343	$10,792	$30,551	$5,993,143
12	133	$41,343	$10,738	$30,605	$5,962,538
12	134	$41,343	$10,683	$30,660	$5,931,878
12	135	$41,343	$10,628	$30,715	$5,901,163
12	136	$41,343	$10,573	$30,770	$5,870,393
12	137	$41,343	$10,518	$30,825	$5,839,567
12	138	$41,343	$10,463	$30,880	$5,808,687
12	139	$41,343	$10,407	$30,936	$5,777,751
12	140	$41,343	$10,352	$30,991	$5,746,760
12	141	$41,343	$10,296	$31,047	$5,715,713
12	142	$41,343	$10,241	$31,102	$5,684,611
12	143	$41,343	$10,185	$31,158	$5,653,453
12	144	$41,343	$10,129	$31,214	$5,622,239
13	145	$41,343	$10,073	$31,270	$5,590,969
13	146	$41,343	$10,017	$31,326	$5,559,644
13	147	$41,343	$9,961	$31,382	$5,528,262
13	148	$41,343	$9,905	$31,438	$5,496,824
13	149	$41,343	$9,848	$31,494	$5,465,329
13	150	$41,343	$9,792	$31,551	$5,433,778
13	151	$41,343	$9,736	$31,607	$5,402,171
13	152	$41,343	$9,679	$31,664	$5,370,507
13	153	$41,343	$9,622	$31,721	$5,338,786
13	154	$41,343	$9,565	$31,778	$5,307,008
13	155	$41,343	$9,508	$31,835	$5,275,174
13	156	$41,343	$9,451	$31,892	$5,243,282
14	157	$41,343	$9,394	$31,949	$5,211,333
14	158	$41,343	$9,337	$32,006	$5,179,327
14	159	$41,343	$9,280	$32,063	$5,147,264
14	160	$41,343	$9,222	$32,121	$5,115,143
14	161	$41,343	$9,165	$32,178	$5,082,965
14	162	$41,343	$9,107	$32,236	$5,050,729
14	163	$41,343	$9,049	$32,294	$5,018,435
14	164	$41,343	$8,991	$32,352	$4,986,083
14	165	$41,343	$8,933	$32,410	$4,953,674
14	166	$41,343	$8,875	$32,468	$4,921,206
14	167	$41,343	$8,817	$32,526	$4,888,680
14	168	$41,343	$8,759	$32,584	$4,856,096
15	169	$41,343	$8,701	$32,642	$4,823,454
15	170	$41,343	$8,642	$32,701	$4,790,753
15	171	$41,343	$8,583	$32,760	$4,757,993
15	172	$41,343	$8,525	$32,818	$4,725,175
15	173	$41,343	$8,466	$32,877	$4,692,298
15	174	$41,343	$8,407	$32,936	$4,659,362
15	175	$41,343	$8,348	$32,995	$4,626,367
15	176	$41,343	$8,289	$33,054	$4,593,313
15	177	$41,343	$8,230	$33,113	$4,560,200
15	178	$41,343	$8,170	$33,173	$4,527,027
15	179	$41,343	$8,111	$33,232	$4,493,795
15	180	$41,343	$8,051	$33,292	$4,460,504
16	181	$41,343	$7,992	$33,351	$4,427,152
16	182	$41,343	$7,932	$33,411	$4,393,741
16	183	$41,343	$7,872	$33,471	$4,360,271
16	184	$41,343	$7,812	$33,531	$4,326,740
16	185	$41,343	$7,752	$33,591	$4,293,149
16	186	$41,343	$7,692	$33,651	$4,259,498
16	187	$41,343	$7,632	$33,711	$4,225,786
16	188	$41,343	$7,571	$33,772	$4,192,015
16	189	$41,343	$7,511	$33,832	$4,158,182
16	190	$41,343	$7,450	$33,893	$4,124,289
16	191	$41,343	$7,389	$33,954	$4,090,336
16	192	$41,343	$7,329	$34,014	$4,056,321
17	193	$41,343	$7,268	$34,075	$4,022,246
17	194	$41,343	$7,207	$34,136	$3,988,110
17	195	$41,343	$7,145	$34,198	$3,953,912
17	196	$41,343	$7,084	$34,259	$3,919,653
17	197	$41,343	$7,023	$34,320	$3,885,333
17	198	$41,343	$6,961	$34,382	$3,850,951
17	199	$41,343	$6,900	$34,443	$3,816,508
17	200	$41,343	$6,838	$34,505	$3,782,003
17	201	$41,343	$6,776	$34,567	$3,747,436
17	202	$41,343	$6,714	$34,629	$3,712,807
17	203	$41,343	$6,652	$34,691	$3,678,116
17	204	$41,343	$6,590	$34,753	$3,643,363
18	205	$41,343	$6,528	$34,815	$3,608,548
18	206	$41,343	$6,465	$34,878	$3,573,670
18	207	$41,343	$6,403	$34,940	$3,538,730
18	208	$41,343	$6,340	$35,003	$3,503,727
18	209	$41,343	$6,278	$35,065	$3,468,662
18	210	$41,343	$6,215	$35,128	$3,433,534
18	211	$41,343	$6,152	$35,191	$3,398,342
18	212	$41,343	$6,089	$35,254	$3,363,088
18	213	$41,343	$6,026	$35,317	$3,327,771
18	214	$41,343	$5,962	$35,381	$3,292,390
18	215	$41,343	$5,899	$35,444	$3,256,946
18	216	$41,343	$5,835	$35,508	$3,221,438
19	217	$41,343	$5,772	$35,571	$3,185,867
19	218	$41,343	$5,708	$35,635	$3,150,232
19	219	$41,343	$5,644	$35,699	$3,114,533
19	220	$41,343	$5,580	$35,763	$3,078,770
19	221	$41,343	$5,516	$35,827	$3,042,944
19	222	$41,343	$5,452	$35,891	$3,007,053
19	223	$41,343	$5,388	$35,955	$2,971,097
19	224	$41,343	$5,323	$36,020	$2,935,078
19	225	$41,343	$5,259	$36,084	$2,898,993
19	226	$41,343	$5,194	$36,149	$2,862,844
19	227	$41,343	$5,129	$36,214	$2,826,631
19	228	$41,343	$5,064	$36,279	$2,790,352
20	229	$41,343	$4,999	$36,344	$2,754,008
20	230	$41,343	$4,934	$36,409	$2,717,600
20	231	$41,343	$4,869	$36,474	$2,681,126
20	232	$41,343	$4,804	$36,539	$2,644,587
20	233	$41,343	$4,738	$36,605	$2,607,982
20	234	$41,343	$4,673	$36,670	$2,571,311
20	235	$41,343	$4,607	$36,736	$2,534,575
20	236	$41,343	$4,541	$36,802	$2,497,774
20	237	$41,343	$4,475	$36,868	$2,460,906
20	238	$41,343	$4,409	$36,934	$2,423,972
20	239	$41,343	$4,343	$37,000	$2,386,972
20	240	$41,343	$4,277	$37,066	$2,349,906
21	241	$41,343	$4,210	$37,133	$2,312,773
21	242	$41,343	$4,144	$37,199	$2,275,574
21	243	$41,343	$4,077	$37,266	$2,238,308
21	244	$41,343	$4,010	$37,333	$2,200,975
21	245	$41,343	$3,943	$37,400	$2,163,575
21	246	$41,343	$3,876	$37,467	$2,126,109
21	247	$41,343	$3,809	$37,534	$2,088,575
21	248	$41,343	$3,742	$37,601	$2,050,974
21	249	$41,343	$3,675	$37,668	$2,013,306
21	250	$41,343	$3,607	$37,736	$1,975,570
21	251	$41,343	$3,540	$37,803	$1,937,767
21	252	$41,343	$3,472	$37,871	$1,899,896
22	253	$41,343	$3,404	$37,939	$1,861,957
22	254	$41,343	$3,336	$38,007	$1,823,950
22	255	$41,343	$3,268	$38,075	$1,785,875
22	256	$41,343	$3,200	$38,143	$1,747,731
22	257	$41,343	$3,131	$38,212	$1,709,520
22	258	$41,343	$3,063	$38,280	$1,671,240
22	259	$41,343	$2,994	$38,349	$1,632,891
22	260	$41,343	$2,926	$38,417	$1,594,474
22	261	$41,343	$2,857	$38,486	$1,555,987
22	262	$41,343	$2,788	$38,555	$1,517,432
22	263	$41,343	$2,719	$38,624	$1,478,808
22	264	$41,343	$2,650	$38,693	$1,440,115
23	265	$41,343	$2,580	$38,763	$1,401,352
23	266	$41,343	$2,511	$38,832	$1,362,520
23	267	$41,343	$2,441	$38,902	$1,323,618
23	268	$41,343	$2,371	$38,971	$1,284,646
23	269	$41,343	$2,302	$39,041	$1,245,605
23	270	$41,343	$2,232	$39,111	$1,206,494
23	271	$41,343	$2,162	$39,181	$1,167,312
23	272	$41,343	$2,091	$39,252	$1,128,061
23	273	$41,343	$2,021	$39,322	$1,088,739
23	274	$41,343	$1,951	$39,392	$1,049,347
23	275	$41,343	$1,880	$39,463	$1,009,884
23	276	$41,343	$1,809	$39,534	$970,350
24	277	$41,343	$1,739	$39,604	$930,746
24	278	$41,343	$1,668	$39,675	$891,070
24	279	$41,343	$1,597	$39,746	$851,324
24	280	$41,343	$1,525	$39,818	$811,506
24	281	$41,343	$1,454	$39,889	$771,617
24	282	$41,343	$1,382	$39,960	$731,657
24	283	$41,343	$1,311	$40,032	$691,625
24	284	$41,343	$1,239	$40,104	$651,521
24	285	$41,343	$1,167	$40,176	$611,345
24	286	$41,343	$1,095	$40,248	$571,098
24	287	$41,343	$1,023	$40,320	$530,778
24	288	$41,343	$951	$40,392	$490,386
25	289	$41,343	$879	$40,464	$449,922
25	290	$41,343	$806	$40,537	$409,385
25	291	$41,343	$733	$40,609	$368,775
25	292	$41,343	$661	$40,682	$328,093
25	293	$41,343	$588	$40,755	$287,338
25	294	$41,343	$515	$40,828	$246,510
25	295	$41,343	$442	$40,901	$205,608
25	296	$41,343	$368	$40,975	$164,634
25	297	$41,343	$295	$41,048	$123,586
25	298	$41,343	$221	$41,122	$82,464
25	299	$41,343	$148	$41,195	$41,269
25	300	$41,343	$74	$41,269	$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$ 6,392,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,551,800

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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.