Century 21 Centaland Property

Down Payment (HKD)

$2,672,000

Monthly Repayment (HKD)

$17,282

Loan Amount (HKD)

$4,008,000

Total Interest (HKD)

$1,176,688

Total Repayment (HKD)

$5,184,688

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$17,282	$7,181	$10,101	$3,997,899
1	2	$17,282	$7,163	$10,119	$3,987,779
1	3	$17,282	$7,145	$10,138	$3,977,642
1	4	$17,282	$7,127	$10,156	$3,967,486
1	5	$17,282	$7,108	$10,174	$3,957,312
1	6	$17,282	$7,090	$10,192	$3,947,120
1	7	$17,282	$7,072	$10,210	$3,936,910
1	8	$17,282	$7,054	$10,229	$3,926,681
1	9	$17,282	$7,035	$10,247	$3,916,434
1	10	$17,282	$7,017	$10,265	$3,906,169
1	11	$17,282	$6,999	$10,284	$3,895,885
1	12	$17,282	$6,980	$10,302	$3,885,583
2	13	$17,282	$6,962	$10,321	$3,875,262
2	14	$17,282	$6,943	$10,339	$3,864,923
2	15	$17,282	$6,925	$10,358	$3,854,565
2	16	$17,282	$6,906	$10,376	$3,844,189
2	17	$17,282	$6,888	$10,395	$3,833,795
2	18	$17,282	$6,869	$10,413	$3,823,381
2	19	$17,282	$6,850	$10,432	$3,812,949
2	20	$17,282	$6,832	$10,451	$3,802,498
2	21	$17,282	$6,813	$10,469	$3,792,029
2	22	$17,282	$6,794	$10,488	$3,781,541
2	23	$17,282	$6,775	$10,507	$3,771,034
2	24	$17,282	$6,756	$10,526	$3,760,508
3	25	$17,282	$6,738	$10,545	$3,749,963
3	26	$17,282	$6,719	$10,564	$3,739,399
3	27	$17,282	$6,700	$10,583	$3,728,817
3	28	$17,282	$6,681	$10,601	$3,718,215
3	29	$17,282	$6,662	$10,620	$3,707,595
3	30	$17,282	$6,643	$10,640	$3,696,955
3	31	$17,282	$6,624	$10,659	$3,686,297
3	32	$17,282	$6,605	$10,678	$3,675,619
3	33	$17,282	$6,585	$10,697	$3,664,922
3	34	$17,282	$6,566	$10,716	$3,654,206
3	35	$17,282	$6,547	$10,735	$3,643,471
3	36	$17,282	$6,528	$10,754	$3,632,717
4	37	$17,282	$6,509	$10,774	$3,621,943
4	38	$17,282	$6,489	$10,793	$3,611,150
4	39	$17,282	$6,470	$10,812	$3,600,338
4	40	$17,282	$6,451	$10,832	$3,589,506
4	41	$17,282	$6,431	$10,851	$3,578,655
4	42	$17,282	$6,412	$10,871	$3,567,784
4	43	$17,282	$6,392	$10,890	$3,556,894
4	44	$17,282	$6,373	$10,910	$3,545,985
4	45	$17,282	$6,353	$10,929	$3,535,056
4	46	$17,282	$6,334	$10,949	$3,524,107
4	47	$17,282	$6,314	$10,968	$3,513,139
4	48	$17,282	$6,294	$10,988	$3,502,151
5	49	$17,282	$6,275	$11,008	$3,491,143
5	50	$17,282	$6,255	$11,027	$3,480,116
5	51	$17,282	$6,235	$11,047	$3,469,069
5	52	$17,282	$6,215	$11,067	$3,458,002
5	53	$17,282	$6,196	$11,087	$3,446,915
5	54	$17,282	$6,176	$11,107	$3,435,809
5	55	$17,282	$6,156	$11,126	$3,424,682
5	56	$17,282	$6,136	$11,146	$3,413,536
5	57	$17,282	$6,116	$11,166	$3,402,370
5	58	$17,282	$6,096	$11,186	$3,391,183
5	59	$17,282	$6,076	$11,206	$3,379,977
5	60	$17,282	$6,056	$11,227	$3,368,750
6	61	$17,282	$6,036	$11,247	$3,357,504
6	62	$17,282	$6,016	$11,267	$3,346,237
6	63	$17,282	$5,995	$11,287	$3,334,950
6	64	$17,282	$5,975	$11,307	$3,323,643
6	65	$17,282	$5,955	$11,327	$3,312,315
6	66	$17,282	$5,935	$11,348	$3,300,968
6	67	$17,282	$5,914	$11,368	$3,289,600
6	68	$17,282	$5,894	$11,388	$3,278,211
6	69	$17,282	$5,873	$11,409	$3,266,802
6	70	$17,282	$5,853	$11,429	$3,255,373
6	71	$17,282	$5,833	$11,450	$3,243,923
6	72	$17,282	$5,812	$11,470	$3,232,453
7	73	$17,282	$5,791	$11,491	$3,220,962
7	74	$17,282	$5,771	$11,511	$3,209,451
7	75	$17,282	$5,750	$11,532	$3,197,919
7	76	$17,282	$5,730	$11,553	$3,186,366
7	77	$17,282	$5,709	$11,573	$3,174,793
7	78	$17,282	$5,688	$11,594	$3,163,199
7	79	$17,282	$5,667	$11,615	$3,151,584
7	80	$17,282	$5,647	$11,636	$3,139,948
7	81	$17,282	$5,626	$11,657	$3,128,291
7	82	$17,282	$5,605	$11,677	$3,116,614
7	83	$17,282	$5,584	$11,698	$3,104,916
7	84	$17,282	$5,563	$11,719	$3,093,196
8	85	$17,282	$5,542	$11,740	$3,081,456
8	86	$17,282	$5,521	$11,761	$3,069,695
8	87	$17,282	$5,500	$11,782	$3,057,912
8	88	$17,282	$5,479	$11,804	$3,046,109
8	89	$17,282	$5,458	$11,825	$3,034,284
8	90	$17,282	$5,436	$11,846	$3,022,438
8	91	$17,282	$5,415	$11,867	$3,010,571
8	92	$17,282	$5,394	$11,888	$2,998,683
8	93	$17,282	$5,373	$11,910	$2,986,773
8	94	$17,282	$5,351	$11,931	$2,974,842
8	95	$17,282	$5,330	$11,952	$2,962,890
8	96	$17,282	$5,309	$11,974	$2,950,916
9	97	$17,282	$5,287	$11,995	$2,938,921
9	98	$17,282	$5,266	$12,017	$2,926,904
9	99	$17,282	$5,244	$12,038	$2,914,866
9	100	$17,282	$5,222	$12,060	$2,902,806
9	101	$17,282	$5,201	$12,081	$2,890,724
9	102	$17,282	$5,179	$12,103	$2,878,621
9	103	$17,282	$5,158	$12,125	$2,866,497
9	104	$17,282	$5,136	$12,146	$2,854,350
9	105	$17,282	$5,114	$12,168	$2,842,182
9	106	$17,282	$5,092	$12,190	$2,829,992
9	107	$17,282	$5,070	$12,212	$2,817,780
9	108	$17,282	$5,049	$12,234	$2,805,546
10	109	$17,282	$5,027	$12,256	$2,793,290
10	110	$17,282	$5,005	$12,278	$2,781,013
10	111	$17,282	$4,983	$12,300	$2,768,713
10	112	$17,282	$4,961	$12,322	$2,756,391
10	113	$17,282	$4,939	$12,344	$2,744,048
10	114	$17,282	$4,916	$12,366	$2,731,682
10	115	$17,282	$4,894	$12,388	$2,719,294
10	116	$17,282	$4,872	$12,410	$2,706,884
10	117	$17,282	$4,850	$12,432	$2,694,451
10	118	$17,282	$4,828	$12,455	$2,681,996
10	119	$17,282	$4,805	$12,477	$2,669,519
10	120	$17,282	$4,783	$12,499	$2,657,020
11	121	$17,282	$4,760	$12,522	$2,644,498
11	122	$17,282	$4,738	$12,544	$2,631,954
11	123	$17,282	$4,716	$12,567	$2,619,387
11	124	$17,282	$4,693	$12,589	$2,606,798
11	125	$17,282	$4,671	$12,612	$2,594,186
11	126	$17,282	$4,648	$12,634	$2,581,552
11	127	$17,282	$4,625	$12,657	$2,568,895
11	128	$17,282	$4,603	$12,680	$2,556,215
11	129	$17,282	$4,580	$12,702	$2,543,513
11	130	$17,282	$4,557	$12,725	$2,530,788
11	131	$17,282	$4,534	$12,748	$2,518,040
11	132	$17,282	$4,511	$12,771	$2,505,269
12	133	$17,282	$4,489	$12,794	$2,492,475
12	134	$17,282	$4,466	$12,817	$2,479,659
12	135	$17,282	$4,443	$12,840	$2,466,819
12	136	$17,282	$4,420	$12,863	$2,453,956
12	137	$17,282	$4,397	$12,886	$2,441,071
12	138	$17,282	$4,374	$12,909	$2,428,162
12	139	$17,282	$4,350	$12,932	$2,415,230
12	140	$17,282	$4,327	$12,955	$2,402,275
12	141	$17,282	$4,304	$12,978	$2,389,297
12	142	$17,282	$4,281	$13,001	$2,376,296
12	143	$17,282	$4,258	$13,025	$2,363,271
12	144	$17,282	$4,234	$13,048	$2,350,223
13	145	$17,282	$4,211	$13,071	$2,337,151
13	146	$17,282	$4,187	$13,095	$2,324,056
13	147	$17,282	$4,164	$13,118	$2,310,938
13	148	$17,282	$4,140	$13,142	$2,297,796
13	149	$17,282	$4,117	$13,165	$2,284,631
13	150	$17,282	$4,093	$13,189	$2,271,442
13	151	$17,282	$4,070	$13,213	$2,258,229
13	152	$17,282	$4,046	$13,236	$2,244,993
13	153	$17,282	$4,022	$13,260	$2,231,733
13	154	$17,282	$3,999	$13,284	$2,218,449
13	155	$17,282	$3,975	$13,308	$2,205,141
13	156	$17,282	$3,951	$13,331	$2,191,810
14	157	$17,282	$3,927	$13,355	$2,178,455
14	158	$17,282	$3,903	$13,379	$2,165,075
14	159	$17,282	$3,879	$13,403	$2,151,672
14	160	$17,282	$3,855	$13,427	$2,138,245
14	161	$17,282	$3,831	$13,451	$2,124,794
14	162	$17,282	$3,807	$13,475	$2,111,318
14	163	$17,282	$3,783	$13,500	$2,097,819
14	164	$17,282	$3,759	$13,524	$2,084,295
14	165	$17,282	$3,734	$13,548	$2,070,747
14	166	$17,282	$3,710	$13,572	$2,057,175
14	167	$17,282	$3,686	$13,597	$2,043,579
14	168	$17,282	$3,661	$13,621	$2,029,958
15	169	$17,282	$3,637	$13,645	$2,016,312
15	170	$17,282	$3,613	$13,670	$2,002,643
15	171	$17,282	$3,588	$13,694	$1,988,948
15	172	$17,282	$3,564	$13,719	$1,975,230
15	173	$17,282	$3,539	$13,743	$1,961,486
15	174	$17,282	$3,514	$13,768	$1,947,718
15	175	$17,282	$3,490	$13,793	$1,933,926
15	176	$17,282	$3,465	$13,817	$1,920,108
15	177	$17,282	$3,440	$13,842	$1,906,266
15	178	$17,282	$3,415	$13,867	$1,892,399
15	179	$17,282	$3,391	$13,892	$1,878,508
15	180	$17,282	$3,366	$13,917	$1,864,591
16	181	$17,282	$3,341	$13,942	$1,850,649
16	182	$17,282	$3,316	$13,967	$1,836,683
16	183	$17,282	$3,291	$13,992	$1,822,691
16	184	$17,282	$3,266	$14,017	$1,808,675
16	185	$17,282	$3,241	$14,042	$1,794,633
16	186	$17,282	$3,215	$14,067	$1,780,566
16	187	$17,282	$3,190	$14,092	$1,766,474
16	188	$17,282	$3,165	$14,117	$1,752,357
16	189	$17,282	$3,140	$14,143	$1,738,214
16	190	$17,282	$3,114	$14,168	$1,724,046
16	191	$17,282	$3,089	$14,193	$1,709,853
16	192	$17,282	$3,063	$14,219	$1,695,634
17	193	$17,282	$3,038	$14,244	$1,681,389
17	194	$17,282	$3,012	$14,270	$1,667,120
17	195	$17,282	$2,987	$14,295	$1,652,824
17	196	$17,282	$2,961	$14,321	$1,638,503
17	197	$17,282	$2,936	$14,347	$1,624,157
17	198	$17,282	$2,910	$14,372	$1,609,784
17	199	$17,282	$2,884	$14,398	$1,595,386
17	200	$17,282	$2,858	$14,424	$1,580,962
17	201	$17,282	$2,833	$14,450	$1,566,513
17	202	$17,282	$2,807	$14,476	$1,552,037
17	203	$17,282	$2,781	$14,502	$1,537,535
17	204	$17,282	$2,755	$14,528	$1,523,008
18	205	$17,282	$2,729	$14,554	$1,508,454
18	206	$17,282	$2,703	$14,580	$1,493,875
18	207	$17,282	$2,677	$14,606	$1,479,269
18	208	$17,282	$2,650	$14,632	$1,464,637
18	209	$17,282	$2,624	$14,658	$1,449,979
18	210	$17,282	$2,598	$14,684	$1,435,294
18	211	$17,282	$2,572	$14,711	$1,420,584
18	212	$17,282	$2,545	$14,737	$1,405,847
18	213	$17,282	$2,519	$14,763	$1,391,083
18	214	$17,282	$2,492	$14,790	$1,376,293
18	215	$17,282	$2,466	$14,816	$1,361,477
18	216	$17,282	$2,439	$14,843	$1,346,634
19	217	$17,282	$2,413	$14,870	$1,331,764
19	218	$17,282	$2,386	$14,896	$1,316,868
19	219	$17,282	$2,359	$14,923	$1,301,945
19	220	$17,282	$2,333	$14,950	$1,286,995
19	221	$17,282	$2,306	$14,976	$1,272,019
19	222	$17,282	$2,279	$15,003	$1,257,016
19	223	$17,282	$2,252	$15,030	$1,241,986
19	224	$17,282	$2,225	$15,057	$1,226,929
19	225	$17,282	$2,198	$15,084	$1,211,844
19	226	$17,282	$2,171	$15,111	$1,196,733
19	227	$17,282	$2,144	$15,138	$1,181,595
19	228	$17,282	$2,117	$15,165	$1,166,430
20	229	$17,282	$2,090	$15,192	$1,151,238
20	230	$17,282	$2,063	$15,220	$1,136,018
20	231	$17,282	$2,035	$15,247	$1,120,771
20	232	$17,282	$2,008	$15,274	$1,105,497
20	233	$17,282	$1,981	$15,302	$1,090,195
20	234	$17,282	$1,953	$15,329	$1,074,866
20	235	$17,282	$1,926	$15,356	$1,059,510
20	236	$17,282	$1,898	$15,384	$1,044,126
20	237	$17,282	$1,871	$15,412	$1,028,714
20	238	$17,282	$1,843	$15,439	$1,013,275
20	239	$17,282	$1,815	$15,467	$997,808
20	240	$17,282	$1,788	$15,495	$982,313
21	241	$17,282	$1,760	$15,522	$966,791
21	242	$17,282	$1,732	$15,550	$951,241
21	243	$17,282	$1,704	$15,578	$935,663
21	244	$17,282	$1,676	$15,606	$920,057
21	245	$17,282	$1,648	$15,634	$904,423
21	246	$17,282	$1,620	$15,662	$888,761
21	247	$17,282	$1,592	$15,690	$873,072
21	248	$17,282	$1,564	$15,718	$857,353
21	249	$17,282	$1,536	$15,746	$841,607
21	250	$17,282	$1,508	$15,774	$825,833
21	251	$17,282	$1,480	$15,803	$810,030
21	252	$17,282	$1,451	$15,831	$794,199
22	253	$17,282	$1,423	$15,859	$778,340
22	254	$17,282	$1,395	$15,888	$762,452
22	255	$17,282	$1,366	$15,916	$746,536
22	256	$17,282	$1,338	$15,945	$730,591
22	257	$17,282	$1,309	$15,973	$714,618
22	258	$17,282	$1,280	$16,002	$698,616
22	259	$17,282	$1,252	$16,031	$682,585
22	260	$17,282	$1,223	$16,059	$666,526
22	261	$17,282	$1,194	$16,088	$650,438
22	262	$17,282	$1,165	$16,117	$634,321
22	263	$17,282	$1,136	$16,146	$618,175
22	264	$17,282	$1,108	$16,175	$602,000
23	265	$17,282	$1,079	$16,204	$585,797
23	266	$17,282	$1,050	$16,233	$569,564
23	267	$17,282	$1,020	$16,262	$553,302
23	268	$17,282	$991	$16,291	$537,011
23	269	$17,282	$962	$16,320	$520,691
23	270	$17,282	$933	$16,349	$504,342
23	271	$17,282	$904	$16,379	$487,963
23	272	$17,282	$874	$16,408	$471,555
23	273	$17,282	$845	$16,437	$455,117
23	274	$17,282	$815	$16,467	$438,651
23	275	$17,282	$786	$16,496	$422,154
23	276	$17,282	$756	$16,526	$405,628
24	277	$17,282	$727	$16,556	$389,073
24	278	$17,282	$697	$16,585	$372,488
24	279	$17,282	$667	$16,615	$355,873
24	280	$17,282	$638	$16,645	$339,228
24	281	$17,282	$608	$16,675	$322,553
24	282	$17,282	$578	$16,704	$305,849
24	283	$17,282	$548	$16,734	$289,115
24	284	$17,282	$518	$16,764	$272,350
24	285	$17,282	$488	$16,794	$255,556
24	286	$17,282	$458	$16,824	$238,732
24	287	$17,282	$428	$16,855	$221,877
24	288	$17,282	$398	$16,885	$204,992
25	289	$17,282	$367	$16,915	$188,077
25	290	$17,282	$337	$16,945	$171,132
25	291	$17,282	$307	$16,976	$154,156
25	292	$17,282	$276	$17,006	$137,150
25	293	$17,282	$246	$17,037	$120,114
25	294	$17,282	$215	$17,067	$103,047
25	295	$17,282	$185	$17,098	$85,949
25	296	$17,282	$154	$17,128	$68,821
25	297	$17,282	$123	$17,159	$51,662
25	298	$17,282	$93	$17,190	$34,472
25	299	$17,282	$62	$17,221	$17,251
25	300	$17,282	$31	$17,251	$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$ 2,672,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,738,800

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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.