Century 21 Centaland Property

Down Payment (HKD)

$6,632,000

Monthly Repayment (HKD)

$42,895

Loan Amount (HKD)

$9,948,000

Total Interest (HKD)

$2,920,581

Total Repayment (HKD)

$12,868,581

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$42,895	$17,824	$25,072	$9,922,928
1	2	$42,895	$17,779	$25,117	$9,897,812
1	3	$42,895	$17,734	$25,162	$9,872,650
1	4	$42,895	$17,688	$25,207	$9,847,443
1	5	$42,895	$17,643	$25,252	$9,822,191
1	6	$42,895	$17,598	$25,297	$9,796,894
1	7	$42,895	$17,553	$25,343	$9,771,551
1	8	$42,895	$17,507	$25,388	$9,746,164
1	9	$42,895	$17,462	$25,433	$9,720,730
1	10	$42,895	$17,416	$25,479	$9,695,251
1	11	$42,895	$17,371	$25,525	$9,669,727
1	12	$42,895	$17,325	$25,570	$9,644,156
2	13	$42,895	$17,279	$25,616	$9,618,540
2	14	$42,895	$17,233	$25,662	$9,592,878
2	15	$42,895	$17,187	$25,708	$9,567,170
2	16	$42,895	$17,141	$25,754	$9,541,416
2	17	$42,895	$17,095	$25,800	$9,515,616
2	18	$42,895	$17,049	$25,846	$9,489,769
2	19	$42,895	$17,003	$25,893	$9,463,876
2	20	$42,895	$16,956	$25,939	$9,437,937
2	21	$42,895	$16,910	$25,986	$9,411,952
2	22	$42,895	$16,863	$26,032	$9,385,919
2	23	$42,895	$16,816	$26,079	$9,359,841
2	24	$42,895	$16,770	$26,126	$9,333,715
3	25	$42,895	$16,723	$26,172	$9,307,543
3	26	$42,895	$16,676	$26,219	$9,281,323
3	27	$42,895	$16,629	$26,266	$9,255,057
3	28	$42,895	$16,582	$26,313	$9,228,744
3	29	$42,895	$16,535	$26,360	$9,202,384
3	30	$42,895	$16,488	$26,408	$9,175,976
3	31	$42,895	$16,440	$26,455	$9,149,521
3	32	$42,895	$16,393	$26,502	$9,123,019
3	33	$42,895	$16,345	$26,550	$9,096,469
3	34	$42,895	$16,298	$26,597	$9,069,871
3	35	$42,895	$16,250	$26,645	$9,043,226
3	36	$42,895	$16,202	$26,693	$9,016,533
4	37	$42,895	$16,155	$26,741	$8,989,793
4	38	$42,895	$16,107	$26,789	$8,963,004
4	39	$42,895	$16,059	$26,837	$8,936,168
4	40	$42,895	$16,011	$26,885	$8,909,283
4	41	$42,895	$15,962	$26,933	$8,882,350
4	42	$42,895	$15,914	$26,981	$8,855,369
4	43	$42,895	$15,866	$27,029	$8,828,340
4	44	$42,895	$15,817	$27,078	$8,801,262
4	45	$42,895	$15,769	$27,126	$8,774,135
4	46	$42,895	$15,720	$27,175	$8,746,961
4	47	$42,895	$15,672	$27,224	$8,719,737
4	48	$42,895	$15,623	$27,272	$8,692,465
5	49	$42,895	$15,574	$27,321	$8,665,143
5	50	$42,895	$15,525	$27,370	$8,637,773
5	51	$42,895	$15,476	$27,419	$8,610,354
5	52	$42,895	$15,427	$27,468	$8,582,885
5	53	$42,895	$15,378	$27,518	$8,555,368
5	54	$42,895	$15,328	$27,567	$8,527,801
5	55	$42,895	$15,279	$27,616	$8,500,185
5	56	$42,895	$15,229	$27,666	$8,472,519
5	57	$42,895	$15,180	$27,715	$8,444,803
5	58	$42,895	$15,130	$27,765	$8,417,038
5	59	$42,895	$15,081	$27,815	$8,389,224
5	60	$42,895	$15,031	$27,865	$8,361,359
6	61	$42,895	$14,981	$27,915	$8,333,445
6	62	$42,895	$14,931	$27,965	$8,305,480
6	63	$42,895	$14,881	$28,015	$8,277,466
6	64	$42,895	$14,830	$28,065	$8,249,401
6	65	$42,895	$14,780	$28,115	$8,221,286
6	66	$42,895	$14,730	$28,165	$8,193,120
6	67	$42,895	$14,679	$28,216	$8,164,904
6	68	$42,895	$14,629	$28,266	$8,136,638
6	69	$42,895	$14,578	$28,317	$8,108,321
6	70	$42,895	$14,527	$28,368	$8,079,953
6	71	$42,895	$14,477	$28,419	$8,051,534
6	72	$42,895	$14,426	$28,470	$8,023,064
7	73	$42,895	$14,375	$28,521	$7,994,544
7	74	$42,895	$14,324	$28,572	$7,965,972
7	75	$42,895	$14,272	$28,623	$7,937,349
7	76	$42,895	$14,221	$28,674	$7,908,675
7	77	$42,895	$14,170	$28,726	$7,879,949
7	78	$42,895	$14,118	$28,777	$7,851,172
7	79	$42,895	$14,067	$28,829	$7,822,344
7	80	$42,895	$14,015	$28,880	$7,793,464
7	81	$42,895	$13,963	$28,932	$7,764,532
7	82	$42,895	$13,911	$28,984	$7,735,548
7	83	$42,895	$13,860	$29,036	$7,706,512
7	84	$42,895	$13,808	$29,088	$7,677,424
8	85	$42,895	$13,755	$29,140	$7,648,284
8	86	$42,895	$13,703	$29,192	$7,619,092
8	87	$42,895	$13,651	$29,244	$7,589,848
8	88	$42,895	$13,598	$29,297	$7,560,551
8	89	$42,895	$13,546	$29,349	$7,531,202
8	90	$42,895	$13,493	$29,402	$7,501,800
8	91	$42,895	$13,441	$29,455	$7,472,345
8	92	$42,895	$13,388	$29,507	$7,442,838
8	93	$42,895	$13,335	$29,560	$7,413,278
8	94	$42,895	$13,282	$29,613	$7,383,665
8	95	$42,895	$13,229	$29,666	$7,353,999
8	96	$42,895	$13,176	$29,719	$7,324,279
9	97	$42,895	$13,123	$29,773	$7,294,507
9	98	$42,895	$13,069	$29,826	$7,264,681
9	99	$42,895	$13,016	$29,879	$7,234,801
9	100	$42,895	$12,962	$29,933	$7,204,868
9	101	$42,895	$12,909	$29,987	$7,174,882
9	102	$42,895	$12,855	$30,040	$7,144,842
9	103	$42,895	$12,801	$30,094	$7,114,748
9	104	$42,895	$12,747	$30,148	$7,084,599
9	105	$42,895	$12,693	$30,202	$7,054,397
9	106	$42,895	$12,639	$30,256	$7,024,141
9	107	$42,895	$12,585	$30,310	$6,993,831
9	108	$42,895	$12,531	$30,365	$6,963,466
10	109	$42,895	$12,476	$30,419	$6,933,047
10	110	$42,895	$12,422	$30,474	$6,902,574
10	111	$42,895	$12,367	$30,528	$6,872,046
10	112	$42,895	$12,312	$30,583	$6,841,463
10	113	$42,895	$12,258	$30,638	$6,810,825
10	114	$42,895	$12,203	$30,693	$6,780,132
10	115	$42,895	$12,148	$30,748	$6,749,385
10	116	$42,895	$12,093	$30,803	$6,718,582
10	117	$42,895	$12,037	$30,858	$6,687,725
10	118	$42,895	$11,982	$30,913	$6,656,811
10	119	$42,895	$11,927	$30,968	$6,625,843
10	120	$42,895	$11,871	$31,024	$6,594,819
11	121	$42,895	$11,816	$31,080	$6,563,739
11	122	$42,895	$11,760	$31,135	$6,532,604
11	123	$42,895	$11,704	$31,191	$6,501,413
11	124	$42,895	$11,648	$31,247	$6,470,166
11	125	$42,895	$11,592	$31,303	$6,438,863
11	126	$42,895	$11,536	$31,359	$6,407,504
11	127	$42,895	$11,480	$31,415	$6,376,089
11	128	$42,895	$11,424	$31,471	$6,344,618
11	129	$42,895	$11,367	$31,528	$6,313,090
11	130	$42,895	$11,311	$31,584	$6,281,506
11	131	$42,895	$11,254	$31,641	$6,249,865
11	132	$42,895	$11,198	$31,698	$6,218,167
12	133	$42,895	$11,141	$31,754	$6,186,413
12	134	$42,895	$11,084	$31,811	$6,154,602
12	135	$42,895	$11,027	$31,868	$6,122,733
12	136	$42,895	$10,970	$31,925	$6,090,808
12	137	$42,895	$10,913	$31,983	$6,058,825
12	138	$42,895	$10,855	$32,040	$6,026,785
12	139	$42,895	$10,798	$32,097	$5,994,688
12	140	$42,895	$10,740	$32,155	$5,962,533
12	141	$42,895	$10,683	$32,212	$5,930,321
12	142	$42,895	$10,625	$32,270	$5,898,051
12	143	$42,895	$10,567	$32,328	$5,865,723
12	144	$42,895	$10,509	$32,386	$5,833,337
13	145	$42,895	$10,451	$32,444	$5,800,893
13	146	$42,895	$10,393	$32,502	$5,768,391
13	147	$42,895	$10,335	$32,560	$5,735,831
13	148	$42,895	$10,277	$32,619	$5,703,212
13	149	$42,895	$10,218	$32,677	$5,670,535
13	150	$42,895	$10,160	$32,736	$5,637,800
13	151	$42,895	$10,101	$32,794	$5,605,006
13	152	$42,895	$10,042	$32,853	$5,572,153
13	153	$42,895	$9,983	$32,912	$5,539,241
13	154	$42,895	$9,924	$32,971	$5,506,270
13	155	$42,895	$9,865	$33,030	$5,473,240
13	156	$42,895	$9,806	$33,089	$5,440,151
14	157	$42,895	$9,747	$33,148	$5,407,003
14	158	$42,895	$9,688	$33,208	$5,373,795
14	159	$42,895	$9,628	$33,267	$5,340,528
14	160	$42,895	$9,568	$33,327	$5,307,201
14	161	$42,895	$9,509	$33,387	$5,273,814
14	162	$42,895	$9,449	$33,446	$5,240,368
14	163	$42,895	$9,389	$33,506	$5,206,862
14	164	$42,895	$9,329	$33,566	$5,173,296
14	165	$42,895	$9,269	$33,626	$5,139,669
14	166	$42,895	$9,209	$33,687	$5,105,982
14	167	$42,895	$9,148	$33,747	$5,072,235
14	168	$42,895	$9,088	$33,808	$5,038,428
15	169	$42,895	$9,027	$33,868	$5,004,560
15	170	$42,895	$8,967	$33,929	$4,970,631
15	171	$42,895	$8,906	$33,990	$4,936,641
15	172	$42,895	$8,845	$34,050	$4,902,591
15	173	$42,895	$8,784	$34,111	$4,868,479
15	174	$42,895	$8,723	$34,173	$4,834,307
15	175	$42,895	$8,661	$34,234	$4,800,073
15	176	$42,895	$8,600	$34,295	$4,765,778
15	177	$42,895	$8,539	$34,357	$4,731,421
15	178	$42,895	$8,477	$34,418	$4,697,003
15	179	$42,895	$8,415	$34,480	$4,662,523
15	180	$42,895	$8,354	$34,542	$4,627,982
16	181	$42,895	$8,292	$34,603	$4,593,378
16	182	$42,895	$8,230	$34,665	$4,558,713
16	183	$42,895	$8,168	$34,728	$4,523,985
16	184	$42,895	$8,105	$34,790	$4,489,196
16	185	$42,895	$8,043	$34,852	$4,454,343
16	186	$42,895	$7,981	$34,915	$4,419,429
16	187	$42,895	$7,918	$34,977	$4,384,452
16	188	$42,895	$7,855	$35,040	$4,349,412
16	189	$42,895	$7,793	$35,103	$4,314,309
16	190	$42,895	$7,730	$35,165	$4,279,144
16	191	$42,895	$7,667	$35,228	$4,243,915
16	192	$42,895	$7,604	$35,292	$4,208,624
17	193	$42,895	$7,540	$35,355	$4,173,269
17	194	$42,895	$7,477	$35,418	$4,137,851
17	195	$42,895	$7,414	$35,482	$4,102,369
17	196	$42,895	$7,350	$35,545	$4,066,824
17	197	$42,895	$7,286	$35,609	$4,031,215
17	198	$42,895	$7,223	$35,673	$3,995,542
17	199	$42,895	$7,159	$35,737	$3,959,806
17	200	$42,895	$7,095	$35,801	$3,924,005
17	201	$42,895	$7,031	$35,865	$3,888,141
17	202	$42,895	$6,966	$35,929	$3,852,212
17	203	$42,895	$6,902	$35,993	$3,816,218
17	204	$42,895	$6,837	$36,058	$3,780,160
18	205	$42,895	$6,773	$36,122	$3,744,038
18	206	$42,895	$6,708	$36,187	$3,707,851
18	207	$42,895	$6,643	$36,252	$3,671,599
18	208	$42,895	$6,578	$36,317	$3,635,282
18	209	$42,895	$6,513	$36,382	$3,598,899
18	210	$42,895	$6,448	$36,447	$3,562,452
18	211	$42,895	$6,383	$36,513	$3,525,940
18	212	$42,895	$6,317	$36,578	$3,489,362
18	213	$42,895	$6,252	$36,643	$3,452,718
18	214	$42,895	$6,186	$36,709	$3,416,009
18	215	$42,895	$6,120	$36,775	$3,379,234
18	216	$42,895	$6,054	$36,841	$3,342,393
19	217	$42,895	$5,988	$36,907	$3,305,487
19	218	$42,895	$5,922	$36,973	$3,268,514
19	219	$42,895	$5,856	$37,039	$3,231,474
19	220	$42,895	$5,790	$37,106	$3,194,369
19	221	$42,895	$5,723	$37,172	$3,157,197
19	222	$42,895	$5,657	$37,239	$3,119,958
19	223	$42,895	$5,590	$37,305	$3,082,653
19	224	$42,895	$5,523	$37,372	$3,045,281
19	225	$42,895	$5,456	$37,439	$3,007,842
19	226	$42,895	$5,389	$37,506	$2,970,335
19	227	$42,895	$5,322	$37,573	$2,932,762
19	228	$42,895	$5,255	$37,641	$2,895,121
20	229	$42,895	$5,187	$37,708	$2,857,413
20	230	$42,895	$5,120	$37,776	$2,819,637
20	231	$42,895	$5,052	$37,843	$2,781,794
20	232	$42,895	$4,984	$37,911	$2,743,883
20	233	$42,895	$4,916	$37,979	$2,705,903
20	234	$42,895	$4,848	$38,047	$2,667,856
20	235	$42,895	$4,780	$38,115	$2,629,741
20	236	$42,895	$4,712	$38,184	$2,591,557
20	237	$42,895	$4,643	$38,252	$2,553,305
20	238	$42,895	$4,575	$38,321	$2,514,985
20	239	$42,895	$4,506	$38,389	$2,476,595
20	240	$42,895	$4,437	$38,458	$2,438,137
21	241	$42,895	$4,368	$38,527	$2,399,610
21	242	$42,895	$4,299	$38,596	$2,361,014
21	243	$42,895	$4,230	$38,665	$2,322,349
21	244	$42,895	$4,161	$38,734	$2,283,615
21	245	$42,895	$4,091	$38,804	$2,244,811
21	246	$42,895	$4,022	$38,873	$2,205,938
21	247	$42,895	$3,952	$38,943	$2,166,995
21	248	$42,895	$3,883	$39,013	$2,127,982
21	249	$42,895	$3,813	$39,083	$2,088,899
21	250	$42,895	$3,743	$39,153	$2,049,747
21	251	$42,895	$3,672	$39,223	$2,010,524
21	252	$42,895	$3,602	$39,293	$1,971,231
22	253	$42,895	$3,532	$39,363	$1,931,867
22	254	$42,895	$3,461	$39,434	$1,892,433
22	255	$42,895	$3,391	$39,505	$1,852,929
22	256	$42,895	$3,320	$39,575	$1,813,353
22	257	$42,895	$3,249	$39,646	$1,773,707
22	258	$42,895	$3,178	$39,717	$1,733,990
22	259	$42,895	$3,107	$39,789	$1,694,201
22	260	$42,895	$3,035	$39,860	$1,654,341
22	261	$42,895	$2,964	$39,931	$1,614,410
22	262	$42,895	$2,892	$40,003	$1,574,407
22	263	$42,895	$2,821	$40,074	$1,534,333
22	264	$42,895	$2,749	$40,146	$1,494,187
23	265	$42,895	$2,677	$40,218	$1,453,968
23	266	$42,895	$2,605	$40,290	$1,413,678
23	267	$42,895	$2,533	$40,362	$1,373,316
23	268	$42,895	$2,461	$40,435	$1,332,881
23	269	$42,895	$2,388	$40,507	$1,292,374
23	270	$42,895	$2,316	$40,580	$1,251,794
23	271	$42,895	$2,243	$40,652	$1,211,141
23	272	$42,895	$2,170	$40,725	$1,170,416
23	273	$42,895	$2,097	$40,798	$1,129,618
23	274	$42,895	$2,024	$40,871	$1,088,747
23	275	$42,895	$1,951	$40,945	$1,047,802
23	276	$42,895	$1,877	$41,018	$1,006,784
24	277	$42,895	$1,804	$41,091	$965,693
24	278	$42,895	$1,730	$41,165	$924,527
24	279	$42,895	$1,656	$41,239	$883,289
24	280	$42,895	$1,583	$41,313	$841,976
24	281	$42,895	$1,509	$41,387	$800,589
24	282	$42,895	$1,434	$41,461	$759,128
24	283	$42,895	$1,360	$41,535	$717,593
24	284	$42,895	$1,286	$41,610	$675,984
24	285	$42,895	$1,211	$41,684	$634,299
24	286	$42,895	$1,136	$41,759	$592,541
24	287	$42,895	$1,062	$41,834	$550,707
24	288	$42,895	$987	$41,909	$508,798
25	289	$42,895	$912	$41,984	$466,815
25	290	$42,895	$836	$42,059	$424,756
25	291	$42,895	$761	$42,134	$382,622
25	292	$42,895	$686	$42,210	$340,412
25	293	$42,895	$610	$42,285	$298,126
25	294	$42,895	$534	$42,361	$255,765
25	295	$42,895	$458	$42,437	$213,328
25	296	$42,895	$382	$42,513	$170,815
25	297	$42,895	$306	$42,589	$128,226
25	298	$42,895	$230	$42,666	$85,561
25	299	$42,895	$153	$42,742	$42,819
25	300	$42,895	$77	$42,819	$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$ 6,632,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,797,800

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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.