Century 21 Centaland Property

Down Payment (HKD)

$2,764,000

Monthly Repayment (HKD)

$17,877

Loan Amount (HKD)

$4,146,000

Total Interest (HKD)

$1,217,202

Total Repayment (HKD)

$5,363,202

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$17,877	$7,428	$10,449	$4,135,551
1	2	$17,877	$7,410	$10,468	$4,125,083
1	3	$17,877	$7,391	$10,487	$4,114,597
1	4	$17,877	$7,372	$10,505	$4,104,091
1	5	$17,877	$7,353	$10,524	$4,093,567
1	6	$17,877	$7,334	$10,543	$4,083,024
1	7	$17,877	$7,315	$10,562	$4,072,462
1	8	$17,877	$7,296	$10,581	$4,061,881
1	9	$17,877	$7,278	$10,600	$4,051,281
1	10	$17,877	$7,259	$10,619	$4,040,663
1	11	$17,877	$7,240	$10,638	$4,030,025
1	12	$17,877	$7,220	$10,657	$4,019,368
2	13	$17,877	$7,201	$10,676	$4,008,692
2	14	$17,877	$7,182	$10,695	$3,997,997
2	15	$17,877	$7,163	$10,714	$3,987,283
2	16	$17,877	$7,144	$10,733	$3,976,549
2	17	$17,877	$7,125	$10,753	$3,965,796
2	18	$17,877	$7,105	$10,772	$3,955,024
2	19	$17,877	$7,086	$10,791	$3,944,233
2	20	$17,877	$7,067	$10,811	$3,933,423
2	21	$17,877	$7,047	$10,830	$3,922,593
2	22	$17,877	$7,028	$10,849	$3,911,743
2	23	$17,877	$7,009	$10,869	$3,900,874
2	24	$17,877	$6,989	$10,888	$3,889,986
3	25	$17,877	$6,970	$10,908	$3,879,078
3	26	$17,877	$6,950	$10,927	$3,868,151
3	27	$17,877	$6,930	$10,947	$3,857,204
3	28	$17,877	$6,911	$10,967	$3,846,238
3	29	$17,877	$6,891	$10,986	$3,835,252
3	30	$17,877	$6,871	$11,006	$3,824,246
3	31	$17,877	$6,852	$11,026	$3,813,220
3	32	$17,877	$6,832	$11,045	$3,802,175
3	33	$17,877	$6,812	$11,065	$3,791,110
3	34	$17,877	$6,792	$11,085	$3,780,025
3	35	$17,877	$6,773	$11,105	$3,768,920
3	36	$17,877	$6,753	$11,125	$3,757,795
4	37	$17,877	$6,733	$11,145	$3,746,651
4	38	$17,877	$6,713	$11,165	$3,735,486
4	39	$17,877	$6,693	$11,185	$3,724,301
4	40	$17,877	$6,673	$11,205	$3,713,097
4	41	$17,877	$6,653	$11,225	$3,701,872
4	42	$17,877	$6,633	$11,245	$3,690,627
4	43	$17,877	$6,612	$11,265	$3,679,362
4	44	$17,877	$6,592	$11,285	$3,668,077
4	45	$17,877	$6,572	$11,305	$3,656,772
4	46	$17,877	$6,552	$11,326	$3,645,446
4	47	$17,877	$6,531	$11,346	$3,634,100
4	48	$17,877	$6,511	$11,366	$3,622,734
5	49	$17,877	$6,491	$11,387	$3,611,347
5	50	$17,877	$6,470	$11,407	$3,599,940
5	51	$17,877	$6,450	$11,427	$3,588,513
5	52	$17,877	$6,429	$11,448	$3,577,065
5	53	$17,877	$6,409	$11,468	$3,565,597
5	54	$17,877	$6,388	$11,489	$3,554,108
5	55	$17,877	$6,368	$11,510	$3,542,598
5	56	$17,877	$6,347	$11,530	$3,531,068
5	57	$17,877	$6,326	$11,551	$3,519,517
5	58	$17,877	$6,306	$11,572	$3,507,945
5	59	$17,877	$6,285	$11,592	$3,496,353
5	60	$17,877	$6,264	$11,613	$3,484,740
6	61	$17,877	$6,243	$11,634	$3,473,106
6	62	$17,877	$6,223	$11,655	$3,461,452
6	63	$17,877	$6,202	$11,676	$3,449,776
6	64	$17,877	$6,181	$11,696	$3,438,080
6	65	$17,877	$6,160	$11,717	$3,426,362
6	66	$17,877	$6,139	$11,738	$3,414,624
6	67	$17,877	$6,118	$11,759	$3,402,864
6	68	$17,877	$6,097	$11,781	$3,391,084
6	69	$17,877	$6,076	$11,802	$3,379,282
6	70	$17,877	$6,055	$11,823	$3,367,459
6	71	$17,877	$6,033	$11,844	$3,355,615
6	72	$17,877	$6,012	$11,865	$3,343,750
7	73	$17,877	$5,991	$11,886	$3,331,864
7	74	$17,877	$5,970	$11,908	$3,319,956
7	75	$17,877	$5,948	$11,929	$3,308,027
7	76	$17,877	$5,927	$11,950	$3,296,076
7	77	$17,877	$5,905	$11,972	$3,284,104
7	78	$17,877	$5,884	$11,993	$3,272,111
7	79	$17,877	$5,863	$12,015	$3,260,096
7	80	$17,877	$5,841	$12,036	$3,248,060
7	81	$17,877	$5,819	$12,058	$3,236,002
7	82	$17,877	$5,798	$12,080	$3,223,923
7	83	$17,877	$5,776	$12,101	$3,211,821
7	84	$17,877	$5,755	$12,123	$3,199,699
8	85	$17,877	$5,733	$12,145	$3,187,554
8	86	$17,877	$5,711	$12,166	$3,175,388
8	87	$17,877	$5,689	$12,188	$3,163,200
8	88	$17,877	$5,667	$12,210	$3,150,990
8	89	$17,877	$5,646	$12,232	$3,138,758
8	90	$17,877	$5,624	$12,254	$3,126,504
8	91	$17,877	$5,602	$12,276	$3,114,228
8	92	$17,877	$5,580	$12,298	$3,101,931
8	93	$17,877	$5,558	$12,320	$3,089,611
8	94	$17,877	$5,536	$12,342	$3,077,269
8	95	$17,877	$5,513	$12,364	$3,064,905
8	96	$17,877	$5,491	$12,386	$3,052,519
9	97	$17,877	$5,469	$12,408	$3,040,111
9	98	$17,877	$5,447	$12,430	$3,027,681
9	99	$17,877	$5,425	$12,453	$3,015,228
9	100	$17,877	$5,402	$12,475	$3,002,753
9	101	$17,877	$5,380	$12,497	$2,990,255
9	102	$17,877	$5,358	$12,520	$2,977,736
9	103	$17,877	$5,335	$12,542	$2,965,193
9	104	$17,877	$5,313	$12,565	$2,952,629
9	105	$17,877	$5,290	$12,587	$2,940,041
9	106	$17,877	$5,268	$12,610	$2,927,432
9	107	$17,877	$5,245	$12,632	$2,914,799
9	108	$17,877	$5,222	$12,655	$2,902,144
10	109	$17,877	$5,200	$12,678	$2,889,467
10	110	$17,877	$5,177	$12,700	$2,876,766
10	111	$17,877	$5,154	$12,723	$2,864,043
10	112	$17,877	$5,131	$12,746	$2,851,297
10	113	$17,877	$5,109	$12,769	$2,838,528
10	114	$17,877	$5,086	$12,792	$2,825,737
10	115	$17,877	$5,063	$12,815	$2,812,922
10	116	$17,877	$5,040	$12,838	$2,800,085
10	117	$17,877	$5,017	$12,861	$2,787,224
10	118	$17,877	$4,994	$12,884	$2,774,341
10	119	$17,877	$4,971	$12,907	$2,761,434
10	120	$17,877	$4,948	$12,930	$2,748,504
11	121	$17,877	$4,924	$12,953	$2,735,551
11	122	$17,877	$4,901	$12,976	$2,722,575
11	123	$17,877	$4,878	$12,999	$2,709,576
11	124	$17,877	$4,855	$13,023	$2,696,553
11	125	$17,877	$4,831	$13,046	$2,683,507
11	126	$17,877	$4,808	$13,069	$2,670,438
11	127	$17,877	$4,785	$13,093	$2,657,345
11	128	$17,877	$4,761	$13,116	$2,644,229
11	129	$17,877	$4,738	$13,140	$2,631,089
11	130	$17,877	$4,714	$13,163	$2,617,925
11	131	$17,877	$4,690	$13,187	$2,604,739
11	132	$17,877	$4,667	$13,211	$2,591,528
12	133	$17,877	$4,643	$13,234	$2,578,294
12	134	$17,877	$4,619	$13,258	$2,565,036
12	135	$17,877	$4,596	$13,282	$2,551,754
12	136	$17,877	$4,572	$13,305	$2,538,449
12	137	$17,877	$4,548	$13,329	$2,525,120
12	138	$17,877	$4,524	$13,353	$2,511,766
12	139	$17,877	$4,500	$13,377	$2,498,389
12	140	$17,877	$4,476	$13,401	$2,484,988
12	141	$17,877	$4,452	$13,425	$2,471,563
12	142	$17,877	$4,428	$13,449	$2,458,114
12	143	$17,877	$4,404	$13,473	$2,444,641
12	144	$17,877	$4,380	$13,497	$2,431,143
13	145	$17,877	$4,356	$13,522	$2,417,622
13	146	$17,877	$4,332	$13,546	$2,404,076
13	147	$17,877	$4,307	$13,570	$2,390,506
13	148	$17,877	$4,283	$13,594	$2,376,912
13	149	$17,877	$4,259	$13,619	$2,363,293
13	150	$17,877	$4,234	$13,643	$2,349,650
13	151	$17,877	$4,210	$13,668	$2,335,982
13	152	$17,877	$4,185	$13,692	$2,322,290
13	153	$17,877	$4,161	$13,717	$2,308,574
13	154	$17,877	$4,136	$13,741	$2,294,833
13	155	$17,877	$4,112	$13,766	$2,281,067
13	156	$17,877	$4,087	$13,790	$2,267,276
14	157	$17,877	$4,062	$13,815	$2,253,461
14	158	$17,877	$4,037	$13,840	$2,239,621
14	159	$17,877	$4,013	$13,865	$2,225,757
14	160	$17,877	$3,988	$13,890	$2,211,867
14	161	$17,877	$3,963	$13,914	$2,197,953
14	162	$17,877	$3,938	$13,939	$2,184,013
14	163	$17,877	$3,913	$13,964	$2,170,049
14	164	$17,877	$3,888	$13,989	$2,156,060
14	165	$17,877	$3,863	$14,014	$2,142,045
14	166	$17,877	$3,838	$14,040	$2,128,006
14	167	$17,877	$3,813	$14,065	$2,113,941
14	168	$17,877	$3,787	$14,090	$2,099,851
15	169	$17,877	$3,762	$14,115	$2,085,736
15	170	$17,877	$3,737	$14,140	$2,071,596
15	171	$17,877	$3,712	$14,166	$2,057,430
15	172	$17,877	$3,686	$14,191	$2,043,239
15	173	$17,877	$3,661	$14,217	$2,029,023
15	174	$17,877	$3,635	$14,242	$2,014,781
15	175	$17,877	$3,610	$14,268	$2,000,513
15	176	$17,877	$3,584	$14,293	$1,986,220
15	177	$17,877	$3,559	$14,319	$1,971,901
15	178	$17,877	$3,533	$14,344	$1,957,557
15	179	$17,877	$3,507	$14,370	$1,943,187
15	180	$17,877	$3,482	$14,396	$1,928,791
16	181	$17,877	$3,456	$14,422	$1,914,369
16	182	$17,877	$3,430	$14,447	$1,899,922
16	183	$17,877	$3,404	$14,473	$1,885,449
16	184	$17,877	$3,378	$14,499	$1,870,949
16	185	$17,877	$3,352	$14,525	$1,856,424
16	186	$17,877	$3,326	$14,551	$1,841,873
16	187	$17,877	$3,300	$14,577	$1,827,296
16	188	$17,877	$3,274	$14,603	$1,812,692
16	189	$17,877	$3,248	$14,630	$1,798,063
16	190	$17,877	$3,222	$14,656	$1,783,407
16	191	$17,877	$3,195	$14,682	$1,768,725
16	192	$17,877	$3,169	$14,708	$1,754,016
17	193	$17,877	$3,143	$14,735	$1,739,282
17	194	$17,877	$3,116	$14,761	$1,724,520
17	195	$17,877	$3,090	$14,788	$1,709,733
17	196	$17,877	$3,063	$14,814	$1,694,919
17	197	$17,877	$3,037	$14,841	$1,680,078
17	198	$17,877	$3,010	$14,867	$1,665,211
17	199	$17,877	$2,984	$14,894	$1,650,317
17	200	$17,877	$2,957	$14,921	$1,635,397
17	201	$17,877	$2,930	$14,947	$1,620,449
17	202	$17,877	$2,903	$14,974	$1,605,475
17	203	$17,877	$2,876	$15,001	$1,590,475
17	204	$17,877	$2,850	$15,028	$1,575,447
18	205	$17,877	$2,823	$15,055	$1,560,392
18	206	$17,877	$2,796	$15,082	$1,545,310
18	207	$17,877	$2,769	$15,109	$1,530,202
18	208	$17,877	$2,742	$15,136	$1,515,066
18	209	$17,877	$2,714	$15,163	$1,499,903
18	210	$17,877	$2,687	$15,190	$1,484,713
18	211	$17,877	$2,660	$15,217	$1,469,496
18	212	$17,877	$2,633	$15,244	$1,454,251
18	213	$17,877	$2,606	$15,272	$1,438,980
18	214	$17,877	$2,578	$15,299	$1,423,681
18	215	$17,877	$2,551	$15,327	$1,408,354
18	216	$17,877	$2,523	$15,354	$1,393,000
19	217	$17,877	$2,496	$15,382	$1,377,618
19	218	$17,877	$2,468	$15,409	$1,362,209
19	219	$17,877	$2,441	$15,437	$1,346,773
19	220	$17,877	$2,413	$15,464	$1,331,308
19	221	$17,877	$2,385	$15,492	$1,315,816
19	222	$17,877	$2,358	$15,520	$1,300,296
19	223	$17,877	$2,330	$15,548	$1,284,749
19	224	$17,877	$2,302	$15,575	$1,269,173
19	225	$17,877	$2,274	$15,603	$1,253,570
19	226	$17,877	$2,246	$15,631	$1,237,938
19	227	$17,877	$2,218	$15,659	$1,222,279
19	228	$17,877	$2,190	$15,687	$1,206,592
20	229	$17,877	$2,162	$15,716	$1,190,876
20	230	$17,877	$2,134	$15,744	$1,175,132
20	231	$17,877	$2,105	$15,772	$1,159,360
20	232	$17,877	$2,077	$15,800	$1,143,560
20	233	$17,877	$2,049	$15,828	$1,127,732
20	234	$17,877	$2,021	$15,857	$1,111,875
20	235	$17,877	$1,992	$15,885	$1,095,990
20	236	$17,877	$1,964	$15,914	$1,080,076
20	237	$17,877	$1,935	$15,942	$1,064,134
20	238	$17,877	$1,907	$15,971	$1,048,163
20	239	$17,877	$1,878	$15,999	$1,032,164
20	240	$17,877	$1,849	$16,028	$1,016,136
21	241	$17,877	$1,821	$16,057	$1,000,079
21	242	$17,877	$1,792	$16,086	$983,993
21	243	$17,877	$1,763	$16,114	$967,879
21	244	$17,877	$1,734	$16,143	$951,736
21	245	$17,877	$1,705	$16,172	$935,564
21	246	$17,877	$1,676	$16,201	$919,362
21	247	$17,877	$1,647	$16,230	$903,132
21	248	$17,877	$1,618	$16,259	$886,873
21	249	$17,877	$1,589	$16,288	$870,585
21	250	$17,877	$1,560	$16,318	$854,267
21	251	$17,877	$1,531	$16,347	$837,920
21	252	$17,877	$1,501	$16,376	$821,544
22	253	$17,877	$1,472	$16,405	$805,139
22	254	$17,877	$1,443	$16,435	$788,704
22	255	$17,877	$1,413	$16,464	$772,240
22	256	$17,877	$1,384	$16,494	$755,746
22	257	$17,877	$1,354	$16,523	$739,223
22	258	$17,877	$1,324	$16,553	$722,670
22	259	$17,877	$1,295	$16,583	$706,087
22	260	$17,877	$1,265	$16,612	$689,475
22	261	$17,877	$1,235	$16,642	$672,833
22	262	$17,877	$1,205	$16,672	$656,161
22	263	$17,877	$1,176	$16,702	$639,460
22	264	$17,877	$1,146	$16,732	$622,728
23	265	$17,877	$1,116	$16,762	$605,966
23	266	$17,877	$1,086	$16,792	$589,175
23	267	$17,877	$1,056	$16,822	$572,353
23	268	$17,877	$1,025	$16,852	$555,501
23	269	$17,877	$995	$16,882	$538,619
23	270	$17,877	$965	$16,912	$521,707
23	271	$17,877	$935	$16,943	$504,764
23	272	$17,877	$904	$16,973	$487,791
23	273	$17,877	$874	$17,003	$470,788
23	274	$17,877	$843	$17,034	$453,754
23	275	$17,877	$813	$17,064	$436,689
23	276	$17,877	$782	$17,095	$419,595
24	277	$17,877	$752	$17,126	$402,469
24	278	$17,877	$721	$17,156	$385,313
24	279	$17,877	$690	$17,187	$368,126
24	280	$17,877	$660	$17,218	$350,908
24	281	$17,877	$629	$17,249	$333,659
24	282	$17,877	$598	$17,280	$316,380
24	283	$17,877	$567	$17,310	$299,069
24	284	$17,877	$536	$17,342	$281,728
24	285	$17,877	$505	$17,373	$264,355
24	286	$17,877	$474	$17,404	$246,951
24	287	$17,877	$442	$17,435	$229,517
24	288	$17,877	$411	$17,466	$212,050
25	289	$17,877	$380	$17,497	$194,553
25	290	$17,877	$349	$17,529	$177,024
25	291	$17,877	$317	$17,560	$159,464
25	292	$17,877	$286	$17,592	$141,872
25	293	$17,877	$254	$17,623	$124,249
25	294	$17,877	$223	$17,655	$106,595
25	295	$17,877	$191	$17,686	$88,908
25	296	$17,877	$159	$17,718	$71,190
25	297	$17,877	$128	$17,750	$53,440
25	298	$17,877	$96	$17,782	$35,659
25	299	$17,877	$64	$17,813	$17,845
25	300	$17,877	$32	$17,845	$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$ 2,764,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,833,100

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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.