Century 21 Centaland Property

Down Payment (HKD)

$4,980,000

Monthly Repayment (HKD)

$32,210

Loan Amount (HKD)

$7,470,000

Total Interest (HKD)

$2,193,078

Total Repayment (HKD)

$9,663,078

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$32,210	$13,384	$18,827	$7,451,173
1	2	$32,210	$13,350	$18,860	$7,432,313
1	3	$32,210	$13,316	$18,894	$7,413,419
1	4	$32,210	$13,282	$18,928	$7,394,491
1	5	$32,210	$13,248	$18,962	$7,375,530
1	6	$32,210	$13,214	$18,996	$7,356,534
1	7	$32,210	$13,180	$19,030	$7,337,504
1	8	$32,210	$13,146	$19,064	$7,318,440
1	9	$32,210	$13,112	$19,098	$7,299,342
1	10	$32,210	$13,078	$19,132	$7,280,210
1	11	$32,210	$13,044	$19,167	$7,261,043
1	12	$32,210	$13,009	$19,201	$7,241,842
2	13	$32,210	$12,975	$19,235	$7,222,607
2	14	$32,210	$12,941	$19,270	$7,203,337
2	15	$32,210	$12,906	$19,304	$7,184,033
2	16	$32,210	$12,871	$19,339	$7,164,694
2	17	$32,210	$12,837	$19,374	$7,145,321
2	18	$32,210	$12,802	$19,408	$7,125,912
2	19	$32,210	$12,767	$19,443	$7,106,469
2	20	$32,210	$12,732	$19,478	$7,086,992
2	21	$32,210	$12,698	$19,513	$7,067,479
2	22	$32,210	$12,663	$19,548	$7,047,931
2	23	$32,210	$12,628	$19,583	$7,028,348
2	24	$32,210	$12,592	$19,618	$7,008,731
3	25	$32,210	$12,557	$19,653	$6,989,078
3	26	$32,210	$12,522	$19,688	$6,969,389
3	27	$32,210	$12,487	$19,723	$6,949,666
3	28	$32,210	$12,451	$19,759	$6,929,907
3	29	$32,210	$12,416	$19,794	$6,910,113
3	30	$32,210	$12,381	$19,830	$6,890,283
3	31	$32,210	$12,345	$19,865	$6,870,418
3	32	$32,210	$12,309	$19,901	$6,850,518
3	33	$32,210	$12,274	$19,936	$6,830,581
3	34	$32,210	$12,238	$19,972	$6,810,609
3	35	$32,210	$12,202	$20,008	$6,790,601
3	36	$32,210	$12,166	$20,044	$6,770,557
4	37	$32,210	$12,131	$20,080	$6,750,478
4	38	$32,210	$12,095	$20,116	$6,730,362
4	39	$32,210	$12,059	$20,152	$6,710,210
4	40	$32,210	$12,022	$20,188	$6,690,022
4	41	$32,210	$11,986	$20,224	$6,669,798
4	42	$32,210	$11,950	$20,260	$6,649,538
4	43	$32,210	$11,914	$20,297	$6,629,242
4	44	$32,210	$11,877	$20,333	$6,608,909
4	45	$32,210	$11,841	$20,369	$6,588,540
4	46	$32,210	$11,804	$20,406	$6,568,134
4	47	$32,210	$11,768	$20,442	$6,547,691
4	48	$32,210	$11,731	$20,479	$6,527,212
5	49	$32,210	$11,695	$20,516	$6,506,697
5	50	$32,210	$11,658	$20,552	$6,486,144
5	51	$32,210	$11,621	$20,589	$6,465,555
5	52	$32,210	$11,584	$20,626	$6,444,929
5	53	$32,210	$11,547	$20,663	$6,424,266
5	54	$32,210	$11,510	$20,700	$6,403,566
5	55	$32,210	$11,473	$20,737	$6,382,829
5	56	$32,210	$11,436	$20,774	$6,362,054
5	57	$32,210	$11,399	$20,812	$6,341,243
5	58	$32,210	$11,361	$20,849	$6,320,394
5	59	$32,210	$11,324	$20,886	$6,299,508
5	60	$32,210	$11,287	$20,924	$6,278,584
6	61	$32,210	$11,249	$20,961	$6,257,623
6	62	$32,210	$11,212	$20,999	$6,236,624
6	63	$32,210	$11,174	$21,036	$6,215,588
6	64	$32,210	$11,136	$21,074	$6,194,514
6	65	$32,210	$11,099	$21,112	$6,173,402
6	66	$32,210	$11,061	$21,150	$6,152,252
6	67	$32,210	$11,023	$21,187	$6,131,065
6	68	$32,210	$10,985	$21,225	$6,109,840
6	69	$32,210	$10,947	$21,263	$6,088,576
6	70	$32,210	$10,909	$21,302	$6,067,275
6	71	$32,210	$10,871	$21,340	$6,045,935
6	72	$32,210	$10,832	$21,378	$6,024,557
7	73	$32,210	$10,794	$21,416	$6,003,141
7	74	$32,210	$10,756	$21,455	$5,981,686
7	75	$32,210	$10,717	$21,493	$5,960,193
7	76	$32,210	$10,679	$21,532	$5,938,661
7	77	$32,210	$10,640	$21,570	$5,917,091
7	78	$32,210	$10,601	$21,609	$5,895,482
7	79	$32,210	$10,563	$21,648	$5,873,835
7	80	$32,210	$10,524	$21,686	$5,852,149
7	81	$32,210	$10,485	$21,725	$5,830,423
7	82	$32,210	$10,446	$21,764	$5,808,659
7	83	$32,210	$10,407	$21,803	$5,786,856
7	84	$32,210	$10,368	$21,842	$5,765,014
8	85	$32,210	$10,329	$21,881	$5,743,133
8	86	$32,210	$10,290	$21,920	$5,721,212
8	87	$32,210	$10,251	$21,960	$5,699,253
8	88	$32,210	$10,211	$21,999	$5,677,253
8	89	$32,210	$10,172	$22,039	$5,655,215
8	90	$32,210	$10,132	$22,078	$5,633,137
8	91	$32,210	$10,093	$22,118	$5,611,019
8	92	$32,210	$10,053	$22,157	$5,588,862
8	93	$32,210	$10,013	$22,197	$5,566,665
8	94	$32,210	$9,974	$22,237	$5,544,429
8	95	$32,210	$9,934	$22,276	$5,522,152
8	96	$32,210	$9,894	$22,316	$5,499,836
9	97	$32,210	$9,854	$22,356	$5,477,479
9	98	$32,210	$9,814	$22,396	$5,455,083
9	99	$32,210	$9,774	$22,437	$5,432,646
9	100	$32,210	$9,733	$22,477	$5,410,170
9	101	$32,210	$9,693	$22,517	$5,387,653
9	102	$32,210	$9,653	$22,557	$5,365,095
9	103	$32,210	$9,612	$22,598	$5,342,497
9	104	$32,210	$9,572	$22,638	$5,319,859
9	105	$32,210	$9,531	$22,679	$5,297,180
9	106	$32,210	$9,491	$22,719	$5,274,461
9	107	$32,210	$9,450	$22,760	$5,251,701
9	108	$32,210	$9,409	$22,801	$5,228,900
10	109	$32,210	$9,368	$22,842	$5,206,058
10	110	$32,210	$9,328	$22,883	$5,183,175
10	111	$32,210	$9,287	$22,924	$5,160,251
10	112	$32,210	$9,245	$22,965	$5,137,287
10	113	$32,210	$9,204	$23,006	$5,114,281
10	114	$32,210	$9,163	$23,047	$5,091,233
10	115	$32,210	$9,122	$23,088	$5,068,145
10	116	$32,210	$9,080	$23,130	$5,045,015
10	117	$32,210	$9,039	$23,171	$5,021,844
10	118	$32,210	$8,997	$23,213	$4,998,631
10	119	$32,210	$8,956	$23,254	$4,975,377
10	120	$32,210	$8,914	$23,296	$4,952,081
11	121	$32,210	$8,872	$23,338	$4,928,743
11	122	$32,210	$8,831	$23,380	$4,905,363
11	123	$32,210	$8,789	$23,421	$4,881,942
11	124	$32,210	$8,747	$23,463	$4,858,478
11	125	$32,210	$8,705	$23,505	$4,834,973
11	126	$32,210	$8,663	$23,548	$4,811,425
11	127	$32,210	$8,620	$23,590	$4,787,835
11	128	$32,210	$8,578	$23,632	$4,764,203
11	129	$32,210	$8,536	$23,674	$4,740,529
11	130	$32,210	$8,493	$23,717	$4,716,812
11	131	$32,210	$8,451	$23,759	$4,693,053
11	132	$32,210	$8,408	$23,802	$4,669,251
12	133	$32,210	$8,366	$23,845	$4,645,406
12	134	$32,210	$8,323	$23,887	$4,621,519
12	135	$32,210	$8,280	$23,930	$4,597,589
12	136	$32,210	$8,237	$23,973	$4,573,616
12	137	$32,210	$8,194	$24,016	$4,549,600
12	138	$32,210	$8,151	$24,059	$4,525,542
12	139	$32,210	$8,108	$24,102	$4,501,440
12	140	$32,210	$8,065	$24,145	$4,477,294
12	141	$32,210	$8,022	$24,188	$4,453,106
12	142	$32,210	$7,978	$24,232	$4,428,874
12	143	$32,210	$7,935	$24,275	$4,404,599
12	144	$32,210	$7,892	$24,319	$4,380,280
13	145	$32,210	$7,848	$24,362	$4,355,918
13	146	$32,210	$7,804	$24,406	$4,331,512
13	147	$32,210	$7,761	$24,450	$4,307,062
13	148	$32,210	$7,717	$24,493	$4,282,569
13	149	$32,210	$7,673	$24,537	$4,258,032
13	150	$32,210	$7,629	$24,581	$4,233,450
13	151	$32,210	$7,585	$24,625	$4,208,825
13	152	$32,210	$7,541	$24,669	$4,184,156
13	153	$32,210	$7,497	$24,714	$4,159,442
13	154	$32,210	$7,452	$24,758	$4,134,684
13	155	$32,210	$7,408	$24,802	$4,109,882
13	156	$32,210	$7,364	$24,847	$4,085,035
14	157	$32,210	$7,319	$24,891	$4,060,144
14	158	$32,210	$7,274	$24,936	$4,035,208
14	159	$32,210	$7,230	$24,981	$4,010,227
14	160	$32,210	$7,185	$25,025	$3,985,202
14	161	$32,210	$7,140	$25,070	$3,960,132
14	162	$32,210	$7,095	$25,115	$3,935,017
14	163	$32,210	$7,050	$25,160	$3,909,857
14	164	$32,210	$7,005	$25,205	$3,884,652
14	165	$32,210	$6,960	$25,250	$3,859,402
14	166	$32,210	$6,915	$25,295	$3,834,106
14	167	$32,210	$6,869	$25,341	$3,808,765
14	168	$32,210	$6,824	$25,386	$3,783,379
15	169	$32,210	$6,779	$25,432	$3,757,947
15	170	$32,210	$6,733	$25,477	$3,732,470
15	171	$32,210	$6,687	$25,523	$3,706,947
15	172	$32,210	$6,642	$25,569	$3,681,379
15	173	$32,210	$6,596	$25,614	$3,655,764
15	174	$32,210	$6,550	$25,660	$3,630,104
15	175	$32,210	$6,504	$25,706	$3,604,397
15	176	$32,210	$6,458	$25,752	$3,578,645
15	177	$32,210	$6,412	$25,799	$3,552,847
15	178	$32,210	$6,366	$25,845	$3,527,002
15	179	$32,210	$6,319	$25,891	$3,501,111
15	180	$32,210	$6,273	$25,937	$3,475,173
16	181	$32,210	$6,226	$25,984	$3,449,189
16	182	$32,210	$6,180	$26,030	$3,423,159
16	183	$32,210	$6,133	$26,077	$3,397,082
16	184	$32,210	$6,086	$26,124	$3,370,958
16	185	$32,210	$6,040	$26,171	$3,344,787
16	186	$32,210	$5,993	$26,218	$3,318,570
16	187	$32,210	$5,946	$26,264	$3,292,305
16	188	$32,210	$5,899	$26,312	$3,265,994
16	189	$32,210	$5,852	$26,359	$3,239,635
16	190	$32,210	$5,804	$26,406	$3,213,229
16	191	$32,210	$5,757	$26,453	$3,186,776
16	192	$32,210	$5,710	$26,501	$3,160,275
17	193	$32,210	$5,662	$26,548	$3,133,727
17	194	$32,210	$5,615	$26,596	$3,107,132
17	195	$32,210	$5,567	$26,643	$3,080,488
17	196	$32,210	$5,519	$26,691	$3,053,797
17	197	$32,210	$5,471	$26,739	$3,027,058
17	198	$32,210	$5,423	$26,787	$3,000,272
17	199	$32,210	$5,375	$26,835	$2,973,437
17	200	$32,210	$5,327	$26,883	$2,946,554
17	201	$32,210	$5,279	$26,931	$2,919,623
17	202	$32,210	$5,231	$26,979	$2,892,644
17	203	$32,210	$5,183	$27,028	$2,865,616
17	204	$32,210	$5,134	$27,076	$2,838,540
18	205	$32,210	$5,086	$27,125	$2,811,416
18	206	$32,210	$5,037	$27,173	$2,784,242
18	207	$32,210	$4,988	$27,222	$2,757,021
18	208	$32,210	$4,940	$27,271	$2,729,750
18	209	$32,210	$4,891	$27,319	$2,702,431
18	210	$32,210	$4,842	$27,368	$2,675,062
18	211	$32,210	$4,793	$27,417	$2,647,645
18	212	$32,210	$4,744	$27,467	$2,620,178
18	213	$32,210	$4,694	$27,516	$2,592,662
18	214	$32,210	$4,645	$27,565	$2,565,097
18	215	$32,210	$4,596	$27,614	$2,537,483
18	216	$32,210	$4,546	$27,664	$2,509,819
19	217	$32,210	$4,497	$27,714	$2,482,105
19	218	$32,210	$4,447	$27,763	$2,454,342
19	219	$32,210	$4,397	$27,813	$2,426,529
19	220	$32,210	$4,348	$27,863	$2,398,667
19	221	$32,210	$4,298	$27,913	$2,370,754
19	222	$32,210	$4,248	$27,963	$2,342,791
19	223	$32,210	$4,198	$28,013	$2,314,779
19	224	$32,210	$4,147	$28,063	$2,286,716
19	225	$32,210	$4,097	$28,113	$2,258,602
19	226	$32,210	$4,047	$28,164	$2,230,439
19	227	$32,210	$3,996	$28,214	$2,202,225
19	228	$32,210	$3,946	$28,265	$2,173,960
20	229	$32,210	$3,895	$28,315	$2,145,645
20	230	$32,210	$3,844	$28,366	$2,117,279
20	231	$32,210	$3,793	$28,417	$2,088,862
20	232	$32,210	$3,743	$28,468	$2,060,394
20	233	$32,210	$3,692	$28,519	$2,031,876
20	234	$32,210	$3,640	$28,570	$2,003,306
20	235	$32,210	$3,589	$28,621	$1,974,685
20	236	$32,210	$3,538	$28,672	$1,946,013
20	237	$32,210	$3,487	$28,724	$1,917,289
20	238	$32,210	$3,435	$28,775	$1,888,514
20	239	$32,210	$3,384	$28,827	$1,859,687
20	240	$32,210	$3,332	$28,878	$1,830,809
21	241	$32,210	$3,280	$28,930	$1,801,879
21	242	$32,210	$3,228	$28,982	$1,772,897
21	243	$32,210	$3,176	$29,034	$1,743,863
21	244	$32,210	$3,124	$29,086	$1,714,777
21	245	$32,210	$3,072	$29,138	$1,685,639
21	246	$32,210	$3,020	$29,190	$1,656,449
21	247	$32,210	$2,968	$29,242	$1,627,207
21	248	$32,210	$2,915	$29,295	$1,597,912
21	249	$32,210	$2,863	$29,347	$1,568,564
21	250	$32,210	$2,810	$29,400	$1,539,165
21	251	$32,210	$2,758	$29,453	$1,509,712
21	252	$32,210	$2,705	$29,505	$1,480,207
22	253	$32,210	$2,652	$29,558	$1,450,648
22	254	$32,210	$2,599	$29,611	$1,421,037
22	255	$32,210	$2,546	$29,664	$1,391,373
22	256	$32,210	$2,493	$29,717	$1,361,656
22	257	$32,210	$2,440	$29,771	$1,331,885
22	258	$32,210	$2,386	$29,824	$1,302,061
22	259	$32,210	$2,333	$29,877	$1,272,184
22	260	$32,210	$2,279	$29,931	$1,242,253
22	261	$32,210	$2,226	$29,985	$1,212,268
22	262	$32,210	$2,172	$30,038	$1,182,230
22	263	$32,210	$2,118	$30,092	$1,152,138
22	264	$32,210	$2,064	$30,146	$1,121,992
23	265	$32,210	$2,010	$30,200	$1,091,792
23	266	$32,210	$1,956	$30,254	$1,061,538
23	267	$32,210	$1,902	$30,308	$1,031,229
23	268	$32,210	$1,848	$30,363	$1,000,867
23	269	$32,210	$1,793	$30,417	$970,450
23	270	$32,210	$1,739	$30,472	$939,978
23	271	$32,210	$1,684	$30,526	$909,452
23	272	$32,210	$1,629	$30,581	$878,871
23	273	$32,210	$1,575	$30,636	$848,235
23	274	$32,210	$1,520	$30,691	$817,545
23	275	$32,210	$1,465	$30,745	$786,799
23	276	$32,210	$1,410	$30,801	$755,999
24	277	$32,210	$1,354	$30,856	$725,143
24	278	$32,210	$1,299	$30,911	$694,232
24	279	$32,210	$1,244	$30,966	$663,266
24	280	$32,210	$1,188	$31,022	$632,244
24	281	$32,210	$1,133	$31,077	$601,166
24	282	$32,210	$1,077	$31,133	$570,033
24	283	$32,210	$1,021	$31,189	$538,844
24	284	$32,210	$965	$31,245	$507,599
24	285	$32,210	$909	$31,301	$476,298
24	286	$32,210	$853	$31,357	$444,942
24	287	$32,210	$797	$31,413	$413,528
24	288	$32,210	$741	$31,469	$382,059
25	289	$32,210	$685	$31,526	$350,533
25	290	$32,210	$628	$31,582	$318,951
25	291	$32,210	$571	$31,639	$287,312
25	292	$32,210	$515	$31,695	$255,617
25	293	$32,210	$458	$31,752	$223,865
25	294	$32,210	$401	$31,809	$192,055
25	295	$32,210	$344	$31,866	$160,189
25	296	$32,210	$287	$31,923	$128,266
25	297	$32,210	$230	$31,980	$96,286
25	298	$32,210	$173	$32,038	$64,248
25	299	$32,210	$115	$32,095	$32,153
25	300	$32,210	$58	$32,153	$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$ 4,980,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,104,500

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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.