Century 21 Centaland Property

Down Payment (HKD)

$5,752,000

Monthly Repayment (HKD)

$37,203

Loan Amount (HKD)

$8,628,000

Total Interest (HKD)

$2,533,049

Total Repayment (HKD)

$11,161,049

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$37,203	$15,459	$21,745	$8,606,255
1	2	$37,203	$15,420	$21,784	$8,584,471
1	3	$37,203	$15,381	$21,823	$8,562,648
1	4	$37,203	$15,341	$21,862	$8,540,786
1	5	$37,203	$15,302	$21,901	$8,518,885
1	6	$37,203	$15,263	$21,940	$8,496,944
1	7	$37,203	$15,224	$21,980	$8,474,964
1	8	$37,203	$15,184	$22,019	$8,452,945
1	9	$37,203	$15,145	$22,059	$8,430,887
1	10	$37,203	$15,105	$22,098	$8,408,788
1	11	$37,203	$15,066	$22,138	$8,386,651
1	12	$37,203	$15,026	$22,177	$8,364,473
2	13	$37,203	$14,986	$22,217	$8,342,256
2	14	$37,203	$14,947	$22,257	$8,319,999
2	15	$37,203	$14,907	$22,297	$8,297,702
2	16	$37,203	$14,867	$22,337	$8,275,366
2	17	$37,203	$14,827	$22,377	$8,252,989
2	18	$37,203	$14,787	$22,417	$8,230,572
2	19	$37,203	$14,746	$22,457	$8,208,115
2	20	$37,203	$14,706	$22,497	$8,185,618
2	21	$37,203	$14,666	$22,538	$8,163,080
2	22	$37,203	$14,626	$22,578	$8,140,502
2	23	$37,203	$14,585	$22,618	$8,117,884
2	24	$37,203	$14,545	$22,659	$8,095,225
3	25	$37,203	$14,504	$22,700	$8,072,525
3	26	$37,203	$14,463	$22,740	$8,049,785
3	27	$37,203	$14,423	$22,781	$8,027,004
3	28	$37,203	$14,382	$22,822	$8,004,182
3	29	$37,203	$14,341	$22,863	$7,981,319
3	30	$37,203	$14,300	$22,904	$7,958,416
3	31	$37,203	$14,259	$22,945	$7,935,471
3	32	$37,203	$14,218	$22,986	$7,912,485
3	33	$37,203	$14,177	$23,027	$7,889,458
3	34	$37,203	$14,135	$23,068	$7,866,390
3	35	$37,203	$14,094	$23,110	$7,843,281
3	36	$37,203	$14,053	$23,151	$7,820,130
4	37	$37,203	$14,011	$23,192	$7,796,937
4	38	$37,203	$13,970	$23,234	$7,773,703
4	39	$37,203	$13,928	$23,276	$7,750,428
4	40	$37,203	$13,886	$23,317	$7,727,110
4	41	$37,203	$13,844	$23,359	$7,703,751
4	42	$37,203	$13,803	$23,401	$7,680,350
4	43	$37,203	$13,761	$23,443	$7,656,907
4	44	$37,203	$13,719	$23,485	$7,633,423
4	45	$37,203	$13,677	$23,527	$7,609,896
4	46	$37,203	$13,634	$23,569	$7,586,326
4	47	$37,203	$13,592	$23,611	$7,562,715
4	48	$37,203	$13,550	$23,654	$7,539,061
5	49	$37,203	$13,507	$23,696	$7,515,365
5	50	$37,203	$13,465	$23,738	$7,491,627
5	51	$37,203	$13,422	$23,781	$7,467,846
5	52	$37,203	$13,380	$23,824	$7,444,022
5	53	$37,203	$13,337	$23,866	$7,420,156
5	54	$37,203	$13,294	$23,909	$7,396,247
5	55	$37,203	$13,252	$23,952	$7,372,295
5	56	$37,203	$13,209	$23,995	$7,348,300
5	57	$37,203	$13,166	$24,038	$7,324,263
5	58	$37,203	$13,123	$24,081	$7,300,182
5	59	$37,203	$13,079	$24,124	$7,276,058
5	60	$37,203	$13,036	$24,167	$7,251,891
6	61	$37,203	$12,993	$24,211	$7,227,680
6	62	$37,203	$12,950	$24,254	$7,203,426
6	63	$37,203	$12,906	$24,297	$7,179,129
6	64	$37,203	$12,863	$24,341	$7,154,788
6	65	$37,203	$12,819	$24,385	$7,130,403
6	66	$37,203	$12,775	$24,428	$7,105,975
6	67	$37,203	$12,732	$24,472	$7,081,503
6	68	$37,203	$12,688	$24,516	$7,056,987
6	69	$37,203	$12,644	$24,560	$7,032,428
6	70	$37,203	$12,600	$24,604	$7,007,824
6	71	$37,203	$12,556	$24,648	$6,983,176
6	72	$37,203	$12,512	$24,692	$6,958,484
7	73	$37,203	$12,467	$24,736	$6,933,748
7	74	$37,203	$12,423	$24,781	$6,908,967
7	75	$37,203	$12,379	$24,825	$6,884,142
7	76	$37,203	$12,334	$24,869	$6,859,273
7	77	$37,203	$12,290	$24,914	$6,834,359
7	78	$37,203	$12,245	$24,959	$6,809,400
7	79	$37,203	$12,200	$25,003	$6,784,397
7	80	$37,203	$12,155	$25,048	$6,759,349
7	81	$37,203	$12,111	$25,093	$6,734,256
7	82	$37,203	$12,066	$25,138	$6,709,118
7	83	$37,203	$12,021	$25,183	$6,683,935
7	84	$37,203	$11,975	$25,228	$6,658,707
8	85	$37,203	$11,930	$25,273	$6,633,434
8	86	$37,203	$11,885	$25,319	$6,608,115
8	87	$37,203	$11,840	$25,364	$6,582,751
8	88	$37,203	$11,794	$25,409	$6,557,342
8	89	$37,203	$11,749	$25,455	$6,531,887
8	90	$37,203	$11,703	$25,501	$6,506,386
8	91	$37,203	$11,657	$25,546	$6,480,840
8	92	$37,203	$11,612	$25,592	$6,455,248
8	93	$37,203	$11,566	$25,638	$6,429,610
8	94	$37,203	$11,520	$25,684	$6,403,926
8	95	$37,203	$11,474	$25,730	$6,378,197
8	96	$37,203	$11,428	$25,776	$6,352,421
9	97	$37,203	$11,381	$25,822	$6,326,599
9	98	$37,203	$11,335	$25,868	$6,300,730
9	99	$37,203	$11,289	$25,915	$6,274,816
9	100	$37,203	$11,242	$25,961	$6,248,855
9	101	$37,203	$11,196	$26,008	$6,222,847
9	102	$37,203	$11,149	$26,054	$6,196,793
9	103	$37,203	$11,103	$26,101	$6,170,692
9	104	$37,203	$11,056	$26,148	$6,144,544
9	105	$37,203	$11,009	$26,195	$6,118,350
9	106	$37,203	$10,962	$26,241	$6,092,108
9	107	$37,203	$10,915	$26,288	$6,065,820
9	108	$37,203	$10,868	$26,336	$6,039,484
10	109	$37,203	$10,821	$26,383	$6,013,101
10	110	$37,203	$10,773	$26,430	$5,986,671
10	111	$37,203	$10,726	$26,477	$5,960,194
10	112	$37,203	$10,679	$26,525	$5,933,669
10	113	$37,203	$10,631	$26,572	$5,907,097
10	114	$37,203	$10,584	$26,620	$5,880,477
10	115	$37,203	$10,536	$26,668	$5,853,809
10	116	$37,203	$10,488	$26,715	$5,827,094
10	117	$37,203	$10,440	$26,763	$5,800,330
10	118	$37,203	$10,392	$26,811	$5,773,519
10	119	$37,203	$10,344	$26,859	$5,746,660
10	120	$37,203	$10,296	$26,907	$5,719,753
11	121	$37,203	$10,248	$26,956	$5,692,797
11	122	$37,203	$10,200	$27,004	$5,665,793
11	123	$37,203	$10,151	$27,052	$5,638,741
11	124	$37,203	$10,103	$27,101	$5,611,640
11	125	$37,203	$10,054	$27,149	$5,584,491
11	126	$37,203	$10,006	$27,198	$5,557,293
11	127	$37,203	$9,957	$27,247	$5,530,046
11	128	$37,203	$9,908	$27,295	$5,502,751
11	129	$37,203	$9,859	$27,344	$5,475,406
11	130	$37,203	$9,810	$27,393	$5,448,013
11	131	$37,203	$9,761	$27,442	$5,420,570
11	132	$37,203	$9,712	$27,492	$5,393,079
12	133	$37,203	$9,663	$27,541	$5,365,538
12	134	$37,203	$9,613	$27,590	$5,337,948
12	135	$37,203	$9,564	$27,640	$5,310,308
12	136	$37,203	$9,514	$27,689	$5,282,619
12	137	$37,203	$9,465	$27,739	$5,254,880
12	138	$37,203	$9,415	$27,789	$5,227,091
12	139	$37,203	$9,365	$27,838	$5,199,253
12	140	$37,203	$9,315	$27,888	$5,171,365
12	141	$37,203	$9,265	$27,938	$5,143,427
12	142	$37,203	$9,215	$27,988	$5,115,439
12	143	$37,203	$9,165	$28,038	$5,087,400
12	144	$37,203	$9,115	$28,089	$5,059,312
13	145	$37,203	$9,065	$28,139	$5,031,173
13	146	$37,203	$9,014	$28,189	$5,002,983
13	147	$37,203	$8,964	$28,240	$4,974,744
13	148	$37,203	$8,913	$28,290	$4,946,453
13	149	$37,203	$8,862	$28,341	$4,918,112
13	150	$37,203	$8,812	$28,392	$4,889,720
13	151	$37,203	$8,761	$28,443	$4,861,277
13	152	$37,203	$8,710	$28,494	$4,832,784
13	153	$37,203	$8,659	$28,545	$4,804,239
13	154	$37,203	$8,608	$28,596	$4,775,643
13	155	$37,203	$8,556	$28,647	$4,746,996
13	156	$37,203	$8,505	$28,698	$4,718,298
14	157	$37,203	$8,454	$28,750	$4,689,548
14	158	$37,203	$8,402	$28,801	$4,660,746
14	159	$37,203	$8,351	$28,853	$4,631,893
14	160	$37,203	$8,299	$28,905	$4,602,989
14	161	$37,203	$8,247	$28,956	$4,574,032
14	162	$37,203	$8,195	$29,008	$4,545,024
14	163	$37,203	$8,143	$29,060	$4,515,963
14	164	$37,203	$8,091	$29,112	$4,486,851
14	165	$37,203	$8,039	$29,165	$4,457,686
14	166	$37,203	$7,987	$29,217	$4,428,470
14	167	$37,203	$7,934	$29,269	$4,399,200
14	168	$37,203	$7,882	$29,322	$4,369,879
15	169	$37,203	$7,829	$29,374	$4,340,505
15	170	$37,203	$7,777	$29,427	$4,311,078
15	171	$37,203	$7,724	$29,479	$4,281,599
15	172	$37,203	$7,671	$29,532	$4,252,066
15	173	$37,203	$7,618	$29,585	$4,222,481
15	174	$37,203	$7,565	$29,638	$4,192,843
15	175	$37,203	$7,512	$29,691	$4,163,151
15	176	$37,203	$7,459	$29,745	$4,133,407
15	177	$37,203	$7,406	$29,798	$4,103,609
15	178	$37,203	$7,352	$29,851	$4,073,758
15	179	$37,203	$7,299	$29,905	$4,043,853
15	180	$37,203	$7,245	$29,958	$4,013,895
16	181	$37,203	$7,192	$30,012	$3,983,883
16	182	$37,203	$7,138	$30,066	$3,953,817
16	183	$37,203	$7,084	$30,120	$3,923,698
16	184	$37,203	$7,030	$30,174	$3,893,524
16	185	$37,203	$6,976	$30,228	$3,863,297
16	186	$37,203	$6,922	$30,282	$3,833,015
16	187	$37,203	$6,867	$30,336	$3,802,679
16	188	$37,203	$6,813	$30,390	$3,772,289
16	189	$37,203	$6,759	$30,445	$3,741,844
16	190	$37,203	$6,704	$30,499	$3,711,344
16	191	$37,203	$6,649	$30,554	$3,680,790
16	192	$37,203	$6,595	$30,609	$3,650,182
17	193	$37,203	$6,540	$30,664	$3,619,518
17	194	$37,203	$6,485	$30,719	$3,588,799
17	195	$37,203	$6,430	$30,774	$3,558,026
17	196	$37,203	$6,375	$30,829	$3,527,197
17	197	$37,203	$6,320	$30,884	$3,496,313
17	198	$37,203	$6,264	$30,939	$3,465,374
17	199	$37,203	$6,209	$30,995	$3,434,379
17	200	$37,203	$6,153	$31,050	$3,403,329
17	201	$37,203	$6,098	$31,106	$3,372,223
17	202	$37,203	$6,042	$31,162	$3,341,062
17	203	$37,203	$5,986	$31,217	$3,309,844
17	204	$37,203	$5,930	$31,273	$3,278,571
18	205	$37,203	$5,874	$31,329	$3,247,241
18	206	$37,203	$5,818	$31,386	$3,215,856
18	207	$37,203	$5,762	$31,442	$3,184,414
18	208	$37,203	$5,705	$31,498	$3,152,916
18	209	$37,203	$5,649	$31,555	$3,121,362
18	210	$37,203	$5,592	$31,611	$3,089,750
18	211	$37,203	$5,536	$31,668	$3,058,083
18	212	$37,203	$5,479	$31,724	$3,026,358
18	213	$37,203	$5,422	$31,781	$2,994,577
18	214	$37,203	$5,365	$31,838	$2,962,739
18	215	$37,203	$5,308	$31,895	$2,930,844
18	216	$37,203	$5,251	$31,952	$2,898,891
19	217	$37,203	$5,194	$32,010	$2,866,882
19	218	$37,203	$5,136	$32,067	$2,834,815
19	219	$37,203	$5,079	$32,124	$2,802,690
19	220	$37,203	$5,021	$32,182	$2,770,508
19	221	$37,203	$4,964	$32,240	$2,738,268
19	222	$37,203	$4,906	$32,297	$2,705,971
19	223	$37,203	$4,848	$32,355	$2,673,616
19	224	$37,203	$4,790	$32,413	$2,641,202
19	225	$37,203	$4,732	$32,471	$2,608,731
19	226	$37,203	$4,674	$32,530	$2,576,202
19	227	$37,203	$4,616	$32,588	$2,543,614
19	228	$37,203	$4,557	$32,646	$2,510,968
20	229	$37,203	$4,499	$32,705	$2,478,263
20	230	$37,203	$4,440	$32,763	$2,445,500
20	231	$37,203	$4,382	$32,822	$2,412,678
20	232	$37,203	$4,323	$32,881	$2,379,797
20	233	$37,203	$4,264	$32,940	$2,346,857
20	234	$37,203	$4,205	$32,999	$2,313,858
20	235	$37,203	$4,146	$33,058	$2,280,801
20	236	$37,203	$4,086	$33,117	$2,247,684
20	237	$37,203	$4,027	$33,176	$2,214,507
20	238	$37,203	$3,968	$33,236	$2,181,271
20	239	$37,203	$3,908	$33,295	$2,147,976
20	240	$37,203	$3,848	$33,355	$2,114,621
21	241	$37,203	$3,789	$33,415	$2,081,206
21	242	$37,203	$3,729	$33,475	$2,047,731
21	243	$37,203	$3,669	$33,535	$2,014,197
21	244	$37,203	$3,609	$33,595	$1,980,602
21	245	$37,203	$3,549	$33,655	$1,946,947
21	246	$37,203	$3,488	$33,715	$1,913,232
21	247	$37,203	$3,428	$33,776	$1,879,456
21	248	$37,203	$3,367	$33,836	$1,845,620
21	249	$37,203	$3,307	$33,897	$1,811,723
21	250	$37,203	$3,246	$33,957	$1,777,766
21	251	$37,203	$3,185	$34,018	$1,743,748
21	252	$37,203	$3,124	$34,079	$1,709,668
22	253	$37,203	$3,063	$34,140	$1,675,528
22	254	$37,203	$3,002	$34,202	$1,641,326
22	255	$37,203	$2,941	$34,263	$1,607,064
22	256	$37,203	$2,879	$34,324	$1,572,740
22	257	$37,203	$2,818	$34,386	$1,538,354
22	258	$37,203	$2,756	$34,447	$1,503,907
22	259	$37,203	$2,694	$34,509	$1,469,398
22	260	$37,203	$2,633	$34,571	$1,434,827
22	261	$37,203	$2,571	$34,633	$1,400,194
22	262	$37,203	$2,509	$34,695	$1,365,499
22	263	$37,203	$2,447	$34,757	$1,330,742
22	264	$37,203	$2,384	$34,819	$1,295,923
23	265	$37,203	$2,322	$34,882	$1,261,041
23	266	$37,203	$2,259	$34,944	$1,226,097
23	267	$37,203	$2,197	$35,007	$1,191,090
23	268	$37,203	$2,134	$35,069	$1,156,021
23	269	$37,203	$2,071	$35,132	$1,120,889
23	270	$37,203	$2,008	$35,195	$1,085,693
23	271	$37,203	$1,945	$35,258	$1,050,435
23	272	$37,203	$1,882	$35,321	$1,015,114
23	273	$37,203	$1,819	$35,385	$979,729
23	274	$37,203	$1,755	$35,448	$944,281
23	275	$37,203	$1,692	$35,512	$908,769
23	276	$37,203	$1,628	$35,575	$873,194
24	277	$37,203	$1,564	$35,639	$837,555
24	278	$37,203	$1,501	$35,703	$801,852
24	279	$37,203	$1,437	$35,767	$766,085
24	280	$37,203	$1,373	$35,831	$730,254
24	281	$37,203	$1,308	$35,895	$694,359
24	282	$37,203	$1,244	$35,959	$658,400
24	283	$37,203	$1,180	$36,024	$622,376
24	284	$37,203	$1,115	$36,088	$586,287
24	285	$37,203	$1,050	$36,153	$550,134
24	286	$37,203	$986	$36,218	$513,916
24	287	$37,203	$921	$36,283	$477,634
24	288	$37,203	$856	$36,348	$441,286
25	289	$37,203	$791	$36,413	$404,873
25	290	$37,203	$725	$36,478	$368,395
25	291	$37,203	$660	$36,543	$331,852
25	292	$37,203	$595	$36,609	$295,243
25	293	$37,203	$529	$36,675	$258,568
25	294	$37,203	$463	$36,740	$221,828
25	295	$37,203	$397	$36,806	$185,022
25	296	$37,203	$331	$36,872	$148,150
25	297	$37,203	$265	$36,938	$111,212
25	298	$37,203	$199	$37,004	$74,208
25	299	$37,203	$133	$37,071	$37,137
25	300	$37,203	$67	$37,137	$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$ 5,752,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,895,800

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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.