Century 21 Centaland Property

Down Payment (HKD)

$5,152,000

Monthly Repayment (HKD)

$33,323

Loan Amount (HKD)

$7,728,000

Total Interest (HKD)

$2,268,823

Total Repayment (HKD)

$9,996,823

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$33,323	$13,846	$19,477	$7,708,523
1	2	$33,323	$13,811	$19,512	$7,689,012
1	3	$33,323	$13,776	$19,547	$7,669,465
1	4	$33,323	$13,741	$19,582	$7,649,883
1	5	$33,323	$13,706	$19,617	$7,630,267
1	6	$33,323	$13,671	$19,652	$7,610,615
1	7	$33,323	$13,636	$19,687	$7,590,928
1	8	$33,323	$13,600	$19,722	$7,571,205
1	9	$33,323	$13,565	$19,758	$7,551,448
1	10	$33,323	$13,530	$19,793	$7,531,655
1	11	$33,323	$13,494	$19,829	$7,511,826
1	12	$33,323	$13,459	$19,864	$7,491,962
2	13	$33,323	$13,423	$19,900	$7,472,063
2	14	$33,323	$13,387	$19,935	$7,452,127
2	15	$33,323	$13,352	$19,971	$7,432,156
2	16	$33,323	$13,316	$20,007	$7,412,149
2	17	$33,323	$13,280	$20,043	$7,392,107
2	18	$33,323	$13,244	$20,079	$7,372,028
2	19	$33,323	$13,208	$20,115	$7,351,914
2	20	$33,323	$13,172	$20,151	$7,331,763
2	21	$33,323	$13,136	$20,187	$7,311,576
2	22	$33,323	$13,100	$20,223	$7,291,354
2	23	$33,323	$13,064	$20,259	$7,271,095
2	24	$33,323	$13,027	$20,295	$7,250,799
3	25	$33,323	$12,991	$20,332	$7,230,467
3	26	$33,323	$12,955	$20,368	$7,210,099
3	27	$33,323	$12,918	$20,405	$7,189,695
3	28	$33,323	$12,882	$20,441	$7,169,253
3	29	$33,323	$12,845	$20,478	$7,148,776
3	30	$33,323	$12,808	$20,515	$7,128,261
3	31	$33,323	$12,771	$20,551	$7,107,710
3	32	$33,323	$12,735	$20,588	$7,087,122
3	33	$33,323	$12,698	$20,625	$7,066,497
3	34	$33,323	$12,661	$20,662	$7,045,835
3	35	$33,323	$12,624	$20,699	$7,025,136
3	36	$33,323	$12,587	$20,736	$7,004,400
4	37	$33,323	$12,550	$20,773	$6,983,627
4	38	$33,323	$12,512	$20,810	$6,962,816
4	39	$33,323	$12,475	$20,848	$6,941,969
4	40	$33,323	$12,438	$20,885	$6,921,083
4	41	$33,323	$12,400	$20,922	$6,900,161
4	42	$33,323	$12,363	$20,960	$6,879,201
4	43	$33,323	$12,325	$20,998	$6,858,204
4	44	$33,323	$12,288	$21,035	$6,837,168
4	45	$33,323	$12,250	$21,073	$6,816,096
4	46	$33,323	$12,212	$21,111	$6,794,985
4	47	$33,323	$12,174	$21,148	$6,773,837
4	48	$33,323	$12,136	$21,186	$6,752,650
5	49	$33,323	$12,098	$21,224	$6,731,426
5	50	$33,323	$12,060	$21,262	$6,710,164
5	51	$33,323	$12,022	$21,300	$6,688,863
5	52	$33,323	$11,984	$21,339	$6,667,525
5	53	$33,323	$11,946	$21,377	$6,646,148
5	54	$33,323	$11,908	$21,415	$6,624,733
5	55	$33,323	$11,869	$21,453	$6,603,280
5	56	$33,323	$11,831	$21,492	$6,581,788
5	57	$33,323	$11,792	$21,530	$6,560,257
5	58	$33,323	$11,754	$21,569	$6,538,689
5	59	$33,323	$11,715	$21,608	$6,517,081
5	60	$33,323	$11,676	$21,646	$6,495,435
6	61	$33,323	$11,638	$21,685	$6,473,750
6	62	$33,323	$11,599	$21,724	$6,452,026
6	63	$33,323	$11,560	$21,763	$6,430,263
6	64	$33,323	$11,521	$21,802	$6,408,461
6	65	$33,323	$11,482	$21,841	$6,386,620
6	66	$33,323	$11,443	$21,880	$6,364,740
6	67	$33,323	$11,403	$21,919	$6,342,821
6	68	$33,323	$11,364	$21,959	$6,320,862
6	69	$33,323	$11,325	$21,998	$6,298,864
6	70	$33,323	$11,285	$22,037	$6,276,827
6	71	$33,323	$11,246	$22,077	$6,254,750
6	72	$33,323	$11,206	$22,116	$6,232,634
7	73	$33,323	$11,167	$22,156	$6,210,478
7	74	$33,323	$11,127	$22,196	$6,188,282
7	75	$33,323	$11,087	$22,235	$6,166,047
7	76	$33,323	$11,048	$22,275	$6,143,772
7	77	$33,323	$11,008	$22,315	$6,121,457
7	78	$33,323	$10,968	$22,355	$6,099,101
7	79	$33,323	$10,928	$22,395	$6,076,706
7	80	$33,323	$10,887	$22,435	$6,054,271
7	81	$33,323	$10,847	$22,476	$6,031,795
7	82	$33,323	$10,807	$22,516	$6,009,280
7	83	$33,323	$10,767	$22,556	$5,986,724
7	84	$33,323	$10,726	$22,597	$5,964,127
8	85	$33,323	$10,686	$22,637	$5,941,490
8	86	$33,323	$10,645	$22,678	$5,918,812
8	87	$33,323	$10,605	$22,718	$5,896,094
8	88	$33,323	$10,564	$22,759	$5,873,335
8	89	$33,323	$10,523	$22,800	$5,850,536
8	90	$33,323	$10,482	$22,841	$5,827,695
8	91	$33,323	$10,441	$22,881	$5,804,814
8	92	$33,323	$10,400	$22,922	$5,781,891
8	93	$33,323	$10,359	$22,964	$5,758,928
8	94	$33,323	$10,318	$23,005	$5,735,923
8	95	$33,323	$10,277	$23,046	$5,712,877
8	96	$33,323	$10,236	$23,087	$5,689,790
9	97	$33,323	$10,194	$23,129	$5,666,661
9	98	$33,323	$10,153	$23,170	$5,643,491
9	99	$33,323	$10,111	$23,211	$5,620,280
9	100	$33,323	$10,070	$23,253	$5,597,027
9	101	$33,323	$10,028	$23,295	$5,573,732
9	102	$33,323	$9,986	$23,336	$5,550,396
9	103	$33,323	$9,944	$23,378	$5,527,017
9	104	$33,323	$9,903	$23,420	$5,503,597
9	105	$33,323	$9,861	$23,462	$5,480,135
9	106	$33,323	$9,819	$23,504	$5,456,631
9	107	$33,323	$9,776	$23,546	$5,433,085
9	108	$33,323	$9,734	$23,588	$5,409,496
10	109	$33,323	$9,692	$23,631	$5,385,865
10	110	$33,323	$9,650	$23,673	$5,362,192
10	111	$33,323	$9,607	$23,715	$5,338,477
10	112	$33,323	$9,565	$23,758	$5,314,719
10	113	$33,323	$9,522	$23,801	$5,290,918
10	114	$33,323	$9,480	$23,843	$5,267,075
10	115	$33,323	$9,437	$23,886	$5,243,189
10	116	$33,323	$9,394	$23,929	$5,219,261
10	117	$33,323	$9,351	$23,972	$5,195,289
10	118	$33,323	$9,308	$24,015	$5,171,275
10	119	$33,323	$9,265	$24,058	$5,147,217
10	120	$33,323	$9,222	$24,101	$5,123,116
11	121	$33,323	$9,179	$24,144	$5,098,972
11	122	$33,323	$9,136	$24,187	$5,074,785
11	123	$33,323	$9,092	$24,230	$5,050,555
11	124	$33,323	$9,049	$24,274	$5,026,281
11	125	$33,323	$9,005	$24,317	$5,001,964
11	126	$33,323	$8,962	$24,361	$4,977,603
11	127	$33,323	$8,918	$24,405	$4,953,198
11	128	$33,323	$8,874	$24,448	$4,928,750
11	129	$33,323	$8,831	$24,492	$4,904,258
11	130	$33,323	$8,787	$24,536	$4,879,722
11	131	$33,323	$8,743	$24,580	$4,855,142
11	132	$33,323	$8,699	$24,624	$4,830,518
12	133	$33,323	$8,655	$24,668	$4,805,850
12	134	$33,323	$8,610	$24,712	$4,781,138
12	135	$33,323	$8,566	$24,757	$4,756,381
12	136	$33,323	$8,522	$24,801	$4,731,581
12	137	$33,323	$8,477	$24,845	$4,706,735
12	138	$33,323	$8,433	$24,890	$4,681,845
12	139	$33,323	$8,388	$24,934	$4,656,911
12	140	$33,323	$8,344	$24,979	$4,631,932
12	141	$33,323	$8,299	$25,024	$4,606,908
12	142	$33,323	$8,254	$25,069	$4,581,839
12	143	$33,323	$8,209	$25,114	$4,556,726
12	144	$33,323	$8,164	$25,159	$4,531,567
13	145	$33,323	$8,119	$25,204	$4,506,363
13	146	$33,323	$8,074	$25,249	$4,481,115
13	147	$33,323	$8,029	$25,294	$4,455,820
13	148	$33,323	$7,983	$25,339	$4,430,481
13	149	$33,323	$7,938	$25,385	$4,405,096
13	150	$33,323	$7,892	$25,430	$4,379,666
13	151	$33,323	$7,847	$25,476	$4,354,190
13	152	$33,323	$7,801	$25,521	$4,328,669
13	153	$33,323	$7,756	$25,567	$4,303,101
13	154	$33,323	$7,710	$25,613	$4,277,488
13	155	$33,323	$7,664	$25,659	$4,251,829
13	156	$33,323	$7,618	$25,705	$4,226,125
14	157	$33,323	$7,572	$25,751	$4,200,374
14	158	$33,323	$7,526	$25,797	$4,174,577
14	159	$33,323	$7,479	$25,843	$4,148,733
14	160	$33,323	$7,433	$25,890	$4,122,844
14	161	$33,323	$7,387	$25,936	$4,096,908
14	162	$33,323	$7,340	$25,982	$4,070,925
14	163	$33,323	$7,294	$26,029	$4,044,896
14	164	$33,323	$7,247	$26,076	$4,018,821
14	165	$33,323	$7,200	$26,122	$3,992,698
14	166	$33,323	$7,154	$26,169	$3,966,529
14	167	$33,323	$7,107	$26,216	$3,940,313
14	168	$33,323	$7,060	$26,263	$3,914,050
15	169	$33,323	$7,013	$26,310	$3,887,740
15	170	$33,323	$6,966	$26,357	$3,861,383
15	171	$33,323	$6,918	$26,404	$3,834,978
15	172	$33,323	$6,871	$26,452	$3,808,527
15	173	$33,323	$6,824	$26,499	$3,782,027
15	174	$33,323	$6,776	$26,547	$3,755,481
15	175	$33,323	$6,729	$26,594	$3,728,887
15	176	$33,323	$6,681	$26,642	$3,702,245
15	177	$33,323	$6,633	$26,690	$3,675,555
15	178	$33,323	$6,585	$26,737	$3,648,818
15	179	$33,323	$6,537	$26,785	$3,622,033
15	180	$33,323	$6,489	$26,833	$3,595,199
16	181	$33,323	$6,441	$26,881	$3,568,318
16	182	$33,323	$6,393	$26,930	$3,541,389
16	183	$33,323	$6,345	$26,978	$3,514,411
16	184	$33,323	$6,297	$27,026	$3,487,385
16	185	$33,323	$6,248	$27,075	$3,460,310
16	186	$33,323	$6,200	$27,123	$3,433,187
16	187	$33,323	$6,151	$27,172	$3,406,016
16	188	$33,323	$6,102	$27,220	$3,378,795
16	189	$33,323	$6,054	$27,269	$3,351,526
16	190	$33,323	$6,005	$27,318	$3,324,208
16	191	$33,323	$5,956	$27,367	$3,296,841
16	192	$33,323	$5,907	$27,416	$3,269,426
17	193	$33,323	$5,858	$27,465	$3,241,960
17	194	$33,323	$5,809	$27,514	$3,214,446
17	195	$33,323	$5,759	$27,564	$3,186,883
17	196	$33,323	$5,710	$27,613	$3,159,270
17	197	$33,323	$5,660	$27,662	$3,131,607
17	198	$33,323	$5,611	$27,712	$3,103,895
17	199	$33,323	$5,561	$27,762	$3,076,134
17	200	$33,323	$5,511	$27,811	$3,048,323
17	201	$33,323	$5,462	$27,861	$3,020,461
17	202	$33,323	$5,412	$27,911	$2,992,550
17	203	$33,323	$5,362	$27,961	$2,964,589
17	204	$33,323	$5,312	$28,011	$2,936,578
18	205	$33,323	$5,261	$28,061	$2,908,517
18	206	$33,323	$5,211	$28,112	$2,880,405
18	207	$33,323	$5,161	$28,162	$2,852,243
18	208	$33,323	$5,110	$28,212	$2,824,031
18	209	$33,323	$5,060	$28,263	$2,795,768
18	210	$33,323	$5,009	$28,314	$2,767,454
18	211	$33,323	$4,958	$28,364	$2,739,089
18	212	$33,323	$4,908	$28,415	$2,710,674
18	213	$33,323	$4,857	$28,466	$2,682,208
18	214	$33,323	$4,806	$28,517	$2,653,691
18	215	$33,323	$4,755	$28,568	$2,625,123
18	216	$33,323	$4,703	$28,619	$2,596,503
19	217	$33,323	$4,652	$28,671	$2,567,833
19	218	$33,323	$4,601	$28,722	$2,539,111
19	219	$33,323	$4,549	$28,774	$2,510,337
19	220	$33,323	$4,498	$28,825	$2,481,512
19	221	$33,323	$4,446	$28,877	$2,452,635
19	222	$33,323	$4,394	$28,928	$2,423,707
19	223	$33,323	$4,342	$28,980	$2,394,727
19	224	$33,323	$4,291	$29,032	$2,365,695
19	225	$33,323	$4,239	$29,084	$2,336,610
19	226	$33,323	$4,186	$29,136	$2,307,474
19	227	$33,323	$4,134	$29,189	$2,278,286
19	228	$33,323	$4,082	$29,241	$2,249,045
20	229	$33,323	$4,030	$29,293	$2,219,751
20	230	$33,323	$3,977	$29,346	$2,190,406
20	231	$33,323	$3,924	$29,398	$2,161,008
20	232	$33,323	$3,872	$29,451	$2,131,557
20	233	$33,323	$3,819	$29,504	$2,102,053
20	234	$33,323	$3,766	$29,557	$2,072,496
20	235	$33,323	$3,713	$29,610	$2,042,887
20	236	$33,323	$3,660	$29,663	$2,013,224
20	237	$33,323	$3,607	$29,716	$1,983,509
20	238	$33,323	$3,554	$29,769	$1,953,740
20	239	$33,323	$3,500	$29,822	$1,923,917
20	240	$33,323	$3,447	$29,876	$1,894,042
21	241	$33,323	$3,393	$29,929	$1,864,112
21	242	$33,323	$3,340	$29,983	$1,834,129
21	243	$33,323	$3,286	$30,037	$1,804,093
21	244	$33,323	$3,232	$30,090	$1,774,002
21	245	$33,323	$3,178	$30,144	$1,743,858
21	246	$33,323	$3,124	$30,198	$1,713,660
21	247	$33,323	$3,070	$30,252	$1,683,407
21	248	$33,323	$3,016	$30,307	$1,653,101
21	249	$33,323	$2,962	$30,361	$1,622,740
21	250	$33,323	$2,907	$30,415	$1,592,324
21	251	$33,323	$2,853	$30,470	$1,561,855
21	252	$33,323	$2,798	$30,524	$1,531,330
22	253	$33,323	$2,744	$30,579	$1,500,751
22	254	$33,323	$2,689	$30,634	$1,470,117
22	255	$33,323	$2,634	$30,689	$1,439,428
22	256	$33,323	$2,579	$30,744	$1,408,685
22	257	$33,323	$2,524	$30,799	$1,377,886
22	258	$33,323	$2,469	$30,854	$1,347,032
22	259	$33,323	$2,413	$30,909	$1,316,122
22	260	$33,323	$2,358	$30,965	$1,285,158
22	261	$33,323	$2,303	$31,020	$1,254,138
22	262	$33,323	$2,247	$31,076	$1,223,062
22	263	$33,323	$2,191	$31,131	$1,191,930
22	264	$33,323	$2,136	$31,187	$1,160,743
23	265	$33,323	$2,080	$31,243	$1,129,500
23	266	$33,323	$2,024	$31,299	$1,098,201
23	267	$33,323	$1,968	$31,355	$1,066,846
23	268	$33,323	$1,911	$31,411	$1,035,435
23	269	$33,323	$1,855	$31,468	$1,003,967
23	270	$33,323	$1,799	$31,524	$972,443
23	271	$33,323	$1,742	$31,580	$940,863
23	272	$33,323	$1,686	$31,637	$909,226
23	273	$33,323	$1,629	$31,694	$877,532
23	274	$33,323	$1,572	$31,750	$845,781
23	275	$33,323	$1,515	$31,807	$813,974
23	276	$33,323	$1,458	$31,864	$782,110
24	277	$33,323	$1,401	$31,921	$750,188
24	278	$33,323	$1,344	$31,979	$718,210
24	279	$33,323	$1,287	$32,036	$686,174
24	280	$33,323	$1,229	$32,093	$654,080
24	281	$33,323	$1,172	$32,151	$621,929
24	282	$33,323	$1,114	$32,208	$589,721
24	283	$33,323	$1,057	$32,266	$557,455
24	284	$33,323	$999	$32,324	$525,131
24	285	$33,323	$941	$32,382	$492,749
24	286	$33,323	$883	$32,440	$460,309
24	287	$33,323	$825	$32,498	$427,811
24	288	$33,323	$766	$32,556	$395,255
25	289	$33,323	$708	$32,615	$362,640
25	290	$33,323	$650	$32,673	$329,967
25	291	$33,323	$591	$32,732	$297,236
25	292	$33,323	$533	$32,790	$264,445
25	293	$33,323	$474	$32,849	$231,596
25	294	$33,323	$415	$32,908	$198,689
25	295	$33,323	$356	$32,967	$165,722
25	296	$33,323	$297	$33,026	$132,696
25	297	$33,323	$238	$33,085	$99,611
25	298	$33,323	$178	$33,144	$66,467
25	299	$33,323	$119	$33,204	$33,263
25	300	$33,323	$60	$33,263	$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$ 5,152,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 5,280,800

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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.