Century 21 Centaland Property

Down Payment (HKD)

$2,720,000

Monthly Repayment (HKD)

$17,593

Loan Amount (HKD)

$4,080,000

Total Interest (HKD)

$1,197,826

Total Repayment (HKD)

$5,277,826

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$17,593	$7,310	$10,283	$4,069,717
1	2	$17,593	$7,292	$10,301	$4,059,416
1	3	$17,593	$7,273	$10,320	$4,049,096
1	4	$17,593	$7,255	$10,338	$4,038,758
1	5	$17,593	$7,236	$10,357	$4,028,402
1	6	$17,593	$7,218	$10,375	$4,018,026
1	7	$17,593	$7,199	$10,394	$4,007,633
1	8	$17,593	$7,180	$10,412	$3,997,220
1	9	$17,593	$7,162	$10,431	$3,986,789
1	10	$17,593	$7,143	$10,450	$3,976,339
1	11	$17,593	$7,124	$10,468	$3,965,871
1	12	$17,593	$7,106	$10,487	$3,955,384
2	13	$17,593	$7,087	$10,506	$3,944,878
2	14	$17,593	$7,068	$10,525	$3,934,353
2	15	$17,593	$7,049	$10,544	$3,923,809
2	16	$17,593	$7,030	$10,563	$3,913,247
2	17	$17,593	$7,011	$10,582	$3,902,665
2	18	$17,593	$6,992	$10,600	$3,892,065
2	19	$17,593	$6,973	$10,619	$3,881,445
2	20	$17,593	$6,954	$10,638	$3,870,807
2	21	$17,593	$6,935	$10,658	$3,860,149
2	22	$17,593	$6,916	$10,677	$3,849,472
2	23	$17,593	$6,897	$10,696	$3,838,777
2	24	$17,593	$6,878	$10,715	$3,828,062
3	25	$17,593	$6,859	$10,734	$3,817,328
3	26	$17,593	$6,839	$10,753	$3,806,574
3	27	$17,593	$6,820	$10,773	$3,795,802
3	28	$17,593	$6,801	$10,792	$3,785,010
3	29	$17,593	$6,781	$10,811	$3,774,198
3	30	$17,593	$6,762	$10,831	$3,763,368
3	31	$17,593	$6,743	$10,850	$3,752,518
3	32	$17,593	$6,723	$10,869	$3,741,648
3	33	$17,593	$6,704	$10,889	$3,730,759
3	34	$17,593	$6,684	$10,908	$3,719,851
3	35	$17,593	$6,665	$10,928	$3,708,923
3	36	$17,593	$6,645	$10,948	$3,697,975
4	37	$17,593	$6,626	$10,967	$3,687,008
4	38	$17,593	$6,606	$10,987	$3,676,021
4	39	$17,593	$6,586	$11,007	$3,665,014
4	40	$17,593	$6,566	$11,026	$3,653,988
4	41	$17,593	$6,547	$11,046	$3,642,942
4	42	$17,593	$6,527	$11,066	$3,631,876
4	43	$17,593	$6,507	$11,086	$3,620,791
4	44	$17,593	$6,487	$11,106	$3,609,685
4	45	$17,593	$6,467	$11,125	$3,598,560
4	46	$17,593	$6,447	$11,145	$3,587,414
4	47	$17,593	$6,427	$11,165	$3,576,249
4	48	$17,593	$6,407	$11,185	$3,565,064
5	49	$17,593	$6,387	$11,205	$3,553,859
5	50	$17,593	$6,367	$11,225	$3,542,633
5	51	$17,593	$6,347	$11,246	$3,531,388
5	52	$17,593	$6,327	$11,266	$3,520,122
5	53	$17,593	$6,307	$11,286	$3,508,836
5	54	$17,593	$6,287	$11,306	$3,497,530
5	55	$17,593	$6,266	$11,326	$3,486,204
5	56	$17,593	$6,246	$11,347	$3,474,857
5	57	$17,593	$6,226	$11,367	$3,463,490
5	58	$17,593	$6,205	$11,387	$3,452,103
5	59	$17,593	$6,185	$11,408	$3,440,695
5	60	$17,593	$6,165	$11,428	$3,429,267
6	61	$17,593	$6,144	$11,449	$3,417,818
6	62	$17,593	$6,124	$11,469	$3,406,349
6	63	$17,593	$6,103	$11,490	$3,394,859
6	64	$17,593	$6,082	$11,510	$3,383,349
6	65	$17,593	$6,062	$11,531	$3,371,818
6	66	$17,593	$6,041	$11,552	$3,360,266
6	67	$17,593	$6,020	$11,572	$3,348,694
6	68	$17,593	$6,000	$11,593	$3,337,101
6	69	$17,593	$5,979	$11,614	$3,325,487
6	70	$17,593	$5,958	$11,635	$3,313,853
6	71	$17,593	$5,937	$11,655	$3,302,197
6	72	$17,593	$5,916	$11,676	$3,290,521
7	73	$17,593	$5,896	$11,697	$3,278,824
7	74	$17,593	$5,875	$11,718	$3,267,106
7	75	$17,593	$5,854	$11,739	$3,255,366
7	76	$17,593	$5,833	$11,760	$3,243,606
7	77	$17,593	$5,811	$11,781	$3,231,825
7	78	$17,593	$5,790	$11,802	$3,220,022
7	79	$17,593	$5,769	$11,824	$3,208,199
7	80	$17,593	$5,748	$11,845	$3,196,354
7	81	$17,593	$5,727	$11,866	$3,184,488
7	82	$17,593	$5,706	$11,887	$3,172,601
7	83	$17,593	$5,684	$11,909	$3,160,693
7	84	$17,593	$5,663	$11,930	$3,148,763
8	85	$17,593	$5,642	$11,951	$3,136,811
8	86	$17,593	$5,620	$11,973	$3,124,839
8	87	$17,593	$5,599	$11,994	$3,112,845
8	88	$17,593	$5,577	$12,016	$3,100,829
8	89	$17,593	$5,556	$12,037	$3,088,792
8	90	$17,593	$5,534	$12,059	$3,076,733
8	91	$17,593	$5,512	$12,080	$3,064,653
8	92	$17,593	$5,491	$12,102	$3,052,551
8	93	$17,593	$5,469	$12,124	$3,040,428
8	94	$17,593	$5,447	$12,145	$3,028,282
8	95	$17,593	$5,426	$12,167	$3,016,115
8	96	$17,593	$5,404	$12,189	$3,003,926
9	97	$17,593	$5,382	$12,211	$2,991,716
9	98	$17,593	$5,360	$12,233	$2,979,483
9	99	$17,593	$5,338	$12,255	$2,967,229
9	100	$17,593	$5,316	$12,276	$2,954,952
9	101	$17,593	$5,294	$12,298	$2,942,654
9	102	$17,593	$5,272	$12,320	$2,930,333
9	103	$17,593	$5,250	$12,343	$2,917,991
9	104	$17,593	$5,228	$12,365	$2,905,626
9	105	$17,593	$5,206	$12,387	$2,893,239
9	106	$17,593	$5,184	$12,409	$2,880,830
9	107	$17,593	$5,161	$12,431	$2,868,399
9	108	$17,593	$5,139	$12,454	$2,855,945
10	109	$17,593	$5,117	$12,476	$2,843,469
10	110	$17,593	$5,095	$12,498	$2,830,971
10	111	$17,593	$5,072	$12,521	$2,818,451
10	112	$17,593	$5,050	$12,543	$2,805,907
10	113	$17,593	$5,027	$12,566	$2,793,342
10	114	$17,593	$5,005	$12,588	$2,780,754
10	115	$17,593	$4,982	$12,611	$2,768,143
10	116	$17,593	$4,960	$12,633	$2,755,510
10	117	$17,593	$4,937	$12,656	$2,742,854
10	118	$17,593	$4,914	$12,678	$2,730,176
10	119	$17,593	$4,892	$12,701	$2,717,475
10	120	$17,593	$4,869	$12,724	$2,704,751
11	121	$17,593	$4,846	$12,747	$2,692,004
11	122	$17,593	$4,823	$12,770	$2,679,235
11	123	$17,593	$4,800	$12,792	$2,666,442
11	124	$17,593	$4,777	$12,815	$2,653,627
11	125	$17,593	$4,754	$12,838	$2,640,788
11	126	$17,593	$4,731	$12,861	$2,627,927
11	127	$17,593	$4,708	$12,884	$2,615,043
11	128	$17,593	$4,685	$12,907	$2,602,135
11	129	$17,593	$4,662	$12,931	$2,589,205
11	130	$17,593	$4,639	$12,954	$2,576,251
11	131	$17,593	$4,616	$12,977	$2,563,274
11	132	$17,593	$4,593	$13,000	$2,550,274
12	133	$17,593	$4,569	$13,024	$2,537,250
12	134	$17,593	$4,546	$13,047	$2,524,203
12	135	$17,593	$4,523	$13,070	$2,511,133
12	136	$17,593	$4,499	$13,094	$2,498,039
12	137	$17,593	$4,476	$13,117	$2,484,922
12	138	$17,593	$4,452	$13,141	$2,471,782
12	139	$17,593	$4,429	$13,164	$2,458,618
12	140	$17,593	$4,405	$13,188	$2,445,430
12	141	$17,593	$4,381	$13,211	$2,432,218
12	142	$17,593	$4,358	$13,235	$2,418,983
12	143	$17,593	$4,334	$13,259	$2,405,725
12	144	$17,593	$4,310	$13,282	$2,392,442
13	145	$17,593	$4,286	$13,306	$2,379,136
13	146	$17,593	$4,263	$13,330	$2,365,806
13	147	$17,593	$4,239	$13,354	$2,352,452
13	148	$17,593	$4,215	$13,378	$2,339,074
13	149	$17,593	$4,191	$13,402	$2,325,672
13	150	$17,593	$4,167	$13,426	$2,312,246
13	151	$17,593	$4,143	$13,450	$2,298,796
13	152	$17,593	$4,119	$13,474	$2,285,322
13	153	$17,593	$4,095	$13,498	$2,271,824
13	154	$17,593	$4,070	$13,522	$2,258,301
13	155	$17,593	$4,046	$13,547	$2,244,755
13	156	$17,593	$4,022	$13,571	$2,231,184
14	157	$17,593	$3,998	$13,595	$2,217,589
14	158	$17,593	$3,973	$13,620	$2,203,969
14	159	$17,593	$3,949	$13,644	$2,190,325
14	160	$17,593	$3,924	$13,668	$2,176,657
14	161	$17,593	$3,900	$13,693	$2,162,964
14	162	$17,593	$3,875	$13,717	$2,149,246
14	163	$17,593	$3,851	$13,742	$2,135,504
14	164	$17,593	$3,826	$13,767	$2,121,738
14	165	$17,593	$3,801	$13,791	$2,107,946
14	166	$17,593	$3,777	$13,816	$2,094,130
14	167	$17,593	$3,752	$13,841	$2,080,290
14	168	$17,593	$3,727	$13,866	$2,066,424
15	169	$17,593	$3,702	$13,890	$2,052,534
15	170	$17,593	$3,677	$13,915	$2,038,618
15	171	$17,593	$3,653	$13,940	$2,024,678
15	172	$17,593	$3,628	$13,965	$2,010,713
15	173	$17,593	$3,603	$13,990	$1,996,723
15	174	$17,593	$3,577	$14,015	$1,982,707
15	175	$17,593	$3,552	$14,040	$1,968,667
15	176	$17,593	$3,527	$14,066	$1,954,601
15	177	$17,593	$3,502	$14,091	$1,940,511
15	178	$17,593	$3,477	$14,116	$1,926,395
15	179	$17,593	$3,451	$14,141	$1,912,253
15	180	$17,593	$3,426	$14,167	$1,898,087
16	181	$17,593	$3,401	$14,192	$1,883,895
16	182	$17,593	$3,375	$14,217	$1,869,677
16	183	$17,593	$3,350	$14,243	$1,855,434
16	184	$17,593	$3,324	$14,268	$1,841,166
16	185	$17,593	$3,299	$14,294	$1,826,872
16	186	$17,593	$3,273	$14,320	$1,812,552
16	187	$17,593	$3,247	$14,345	$1,798,207
16	188	$17,593	$3,222	$14,371	$1,783,836
16	189	$17,593	$3,196	$14,397	$1,769,439
16	190	$17,593	$3,170	$14,423	$1,755,017
16	191	$17,593	$3,144	$14,448	$1,740,568
16	192	$17,593	$3,119	$14,474	$1,726,094
17	193	$17,593	$3,093	$14,500	$1,711,594
17	194	$17,593	$3,067	$14,526	$1,697,068
17	195	$17,593	$3,041	$14,552	$1,682,516
17	196	$17,593	$3,015	$14,578	$1,667,937
17	197	$17,593	$2,988	$14,604	$1,653,333
17	198	$17,593	$2,962	$14,631	$1,638,703
17	199	$17,593	$2,936	$14,657	$1,624,046
17	200	$17,593	$2,910	$14,683	$1,609,363
17	201	$17,593	$2,883	$14,709	$1,594,654
17	202	$17,593	$2,857	$14,736	$1,579,918
17	203	$17,593	$2,831	$14,762	$1,565,156
17	204	$17,593	$2,804	$14,789	$1,550,367
18	205	$17,593	$2,778	$14,815	$1,535,552
18	206	$17,593	$2,751	$14,842	$1,520,711
18	207	$17,593	$2,725	$14,868	$1,505,843
18	208	$17,593	$2,698	$14,895	$1,490,948
18	209	$17,593	$2,671	$14,921	$1,476,026
18	210	$17,593	$2,645	$14,948	$1,461,078
18	211	$17,593	$2,618	$14,975	$1,446,103
18	212	$17,593	$2,591	$15,002	$1,431,101
18	213	$17,593	$2,564	$15,029	$1,416,073
18	214	$17,593	$2,537	$15,056	$1,401,017
18	215	$17,593	$2,510	$15,083	$1,385,934
18	216	$17,593	$2,483	$15,110	$1,370,825
19	217	$17,593	$2,456	$15,137	$1,355,688
19	218	$17,593	$2,429	$15,164	$1,340,524
19	219	$17,593	$2,402	$15,191	$1,325,333
19	220	$17,593	$2,375	$15,218	$1,310,115
19	221	$17,593	$2,347	$15,245	$1,294,870
19	222	$17,593	$2,320	$15,273	$1,279,597
19	223	$17,593	$2,293	$15,300	$1,264,297
19	224	$17,593	$2,265	$15,328	$1,248,969
19	225	$17,593	$2,238	$15,355	$1,233,614
19	226	$17,593	$2,210	$15,383	$1,218,232
19	227	$17,593	$2,183	$15,410	$1,202,822
19	228	$17,593	$2,155	$15,438	$1,187,384
20	229	$17,593	$2,127	$15,465	$1,171,918
20	230	$17,593	$2,100	$15,493	$1,156,425
20	231	$17,593	$2,072	$15,521	$1,140,905
20	232	$17,593	$2,044	$15,549	$1,125,356
20	233	$17,593	$2,016	$15,576	$1,109,779
20	234	$17,593	$1,988	$15,604	$1,094,175
20	235	$17,593	$1,960	$15,632	$1,078,543
20	236	$17,593	$1,932	$15,660	$1,062,882
20	237	$17,593	$1,904	$15,688	$1,047,194
20	238	$17,593	$1,876	$15,717	$1,031,477
20	239	$17,593	$1,848	$15,745	$1,015,733
20	240	$17,593	$1,820	$15,773	$999,960
21	241	$17,593	$1,792	$15,801	$984,159
21	242	$17,593	$1,763	$15,829	$968,329
21	243	$17,593	$1,735	$15,858	$952,471
21	244	$17,593	$1,707	$15,886	$936,585
21	245	$17,593	$1,678	$15,915	$920,670
21	246	$17,593	$1,650	$15,943	$904,727
21	247	$17,593	$1,621	$15,972	$888,755
21	248	$17,593	$1,592	$16,000	$872,755
21	249	$17,593	$1,564	$16,029	$856,726
21	250	$17,593	$1,535	$16,058	$840,668
21	251	$17,593	$1,506	$16,087	$824,582
21	252	$17,593	$1,477	$16,115	$808,466
22	253	$17,593	$1,449	$16,144	$792,322
22	254	$17,593	$1,420	$16,173	$776,149
22	255	$17,593	$1,391	$16,202	$759,947
22	256	$17,593	$1,362	$16,231	$743,715
22	257	$17,593	$1,332	$16,260	$727,455
22	258	$17,593	$1,303	$16,289	$711,166
22	259	$17,593	$1,274	$16,319	$694,847
22	260	$17,593	$1,245	$16,348	$678,499
22	261	$17,593	$1,216	$16,377	$662,122
22	262	$17,593	$1,186	$16,406	$645,716
22	263	$17,593	$1,157	$16,436	$629,280
22	264	$17,593	$1,127	$16,465	$612,815
23	265	$17,593	$1,098	$16,495	$596,320
23	266	$17,593	$1,068	$16,524	$579,796
23	267	$17,593	$1,039	$16,554	$563,242
23	268	$17,593	$1,009	$16,584	$546,658
23	269	$17,593	$979	$16,613	$530,045
23	270	$17,593	$950	$16,643	$513,402
23	271	$17,593	$920	$16,673	$496,729
23	272	$17,593	$890	$16,703	$480,026
23	273	$17,593	$860	$16,733	$463,293
23	274	$17,593	$830	$16,763	$446,531
23	275	$17,593	$800	$16,793	$429,738
23	276	$17,593	$770	$16,823	$412,915
24	277	$17,593	$740	$16,853	$396,062
24	278	$17,593	$710	$16,883	$379,179
24	279	$17,593	$679	$16,913	$362,266
24	280	$17,593	$649	$16,944	$345,322
24	281	$17,593	$619	$16,974	$328,348
24	282	$17,593	$588	$17,004	$311,343
24	283	$17,593	$558	$17,035	$294,308
24	284	$17,593	$527	$17,065	$277,243
24	285	$17,593	$497	$17,096	$260,147
24	286	$17,593	$466	$17,127	$243,020
24	287	$17,593	$435	$17,157	$225,863
24	288	$17,593	$405	$17,188	$208,675
25	289	$17,593	$374	$17,219	$191,456
25	290	$17,593	$343	$17,250	$174,206
25	291	$17,593	$312	$17,281	$156,926
25	292	$17,593	$281	$17,312	$139,614
25	293	$17,593	$250	$17,343	$122,271
25	294	$17,593	$219	$17,374	$104,898
25	295	$17,593	$188	$17,405	$87,493
25	296	$17,593	$157	$17,436	$70,057
25	297	$17,593	$126	$17,467	$52,590
25	298	$17,593	$94	$17,499	$35,091
25	299	$17,593	$63	$17,530	$17,561
25	300	$17,593	$31	$17,561	$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$ 2,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,788,000

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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.