Century 21 Centaland Property

Down Payment (HKD)

$4,240,000

Monthly Repayment (HKD)

$27,424

Loan Amount (HKD)

$6,360,000

Total Interest (HKD)

$1,867,199

Total Repayment (HKD)

$8,227,199

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$27,424	$11,395	$16,029	$6,343,971
1	2	$27,424	$11,366	$16,058	$6,327,913
1	3	$27,424	$11,338	$16,086	$6,311,827
1	4	$27,424	$11,309	$16,115	$6,295,711
1	5	$27,424	$11,280	$16,144	$6,279,567
1	6	$27,424	$11,251	$16,173	$6,263,394
1	7	$27,424	$11,222	$16,202	$6,247,192
1	8	$27,424	$11,193	$16,231	$6,230,961
1	9	$27,424	$11,164	$16,260	$6,214,701
1	10	$27,424	$11,135	$16,289	$6,198,412
1	11	$27,424	$11,105	$16,319	$6,182,093
1	12	$27,424	$11,076	$16,348	$6,165,745
2	13	$27,424	$11,047	$16,377	$6,149,368
2	14	$27,424	$11,018	$16,406	$6,132,962
2	15	$27,424	$10,988	$16,436	$6,116,526
2	16	$27,424	$10,959	$16,465	$6,100,061
2	17	$27,424	$10,929	$16,495	$6,083,566
2	18	$27,424	$10,900	$16,524	$6,067,042
2	19	$27,424	$10,870	$16,554	$6,050,488
2	20	$27,424	$10,840	$16,584	$6,033,904
2	21	$27,424	$10,811	$16,613	$6,017,291
2	22	$27,424	$10,781	$16,643	$6,000,648
2	23	$27,424	$10,751	$16,673	$5,983,975
2	24	$27,424	$10,721	$16,703	$5,967,273
3	25	$27,424	$10,691	$16,733	$5,950,540
3	26	$27,424	$10,661	$16,763	$5,933,777
3	27	$27,424	$10,631	$16,793	$5,916,985
3	28	$27,424	$10,601	$16,823	$5,900,162
3	29	$27,424	$10,571	$16,853	$5,883,309
3	30	$27,424	$10,541	$16,883	$5,866,426
3	31	$27,424	$10,511	$16,913	$5,849,513
3	32	$27,424	$10,480	$16,944	$5,832,569
3	33	$27,424	$10,450	$16,974	$5,815,595
3	34	$27,424	$10,420	$17,004	$5,798,591
3	35	$27,424	$10,389	$17,035	$5,781,556
3	36	$27,424	$10,359	$17,065	$5,764,491
4	37	$27,424	$10,328	$17,096	$5,747,395
4	38	$27,424	$10,297	$17,127	$5,730,268
4	39	$27,424	$10,267	$17,157	$5,713,111
4	40	$27,424	$10,236	$17,188	$5,695,923
4	41	$27,424	$10,205	$17,219	$5,678,704
4	42	$27,424	$10,174	$17,250	$5,661,454
4	43	$27,424	$10,143	$17,281	$5,644,174
4	44	$27,424	$10,112	$17,312	$5,626,862
4	45	$27,424	$10,081	$17,343	$5,609,520
4	46	$27,424	$10,050	$17,374	$5,592,146
4	47	$27,424	$10,019	$17,405	$5,574,741
4	48	$27,424	$9,988	$17,436	$5,557,305
5	49	$27,424	$9,957	$17,467	$5,539,838
5	50	$27,424	$9,926	$17,498	$5,522,340
5	51	$27,424	$9,894	$17,530	$5,504,810
5	52	$27,424	$9,863	$17,561	$5,487,249
5	53	$27,424	$9,831	$17,593	$5,469,656
5	54	$27,424	$9,800	$17,624	$5,452,032
5	55	$27,424	$9,768	$17,656	$5,434,376
5	56	$27,424	$9,737	$17,687	$5,416,689
5	57	$27,424	$9,705	$17,719	$5,398,970
5	58	$27,424	$9,673	$17,751	$5,381,219
5	59	$27,424	$9,641	$17,783	$5,363,436
5	60	$27,424	$9,609	$17,815	$5,345,622
6	61	$27,424	$9,578	$17,846	$5,327,775
6	62	$27,424	$9,546	$17,878	$5,309,897
6	63	$27,424	$9,514	$17,910	$5,291,986
6	64	$27,424	$9,481	$17,943	$5,274,044
6	65	$27,424	$9,449	$17,975	$5,256,069
6	66	$27,424	$9,417	$18,007	$5,238,062
6	67	$27,424	$9,385	$18,039	$5,220,023
6	68	$27,424	$9,353	$18,071	$5,201,952
6	69	$27,424	$9,320	$18,104	$5,183,848
6	70	$27,424	$9,288	$18,136	$5,165,712
6	71	$27,424	$9,255	$18,169	$5,147,543
6	72	$27,424	$9,223	$18,201	$5,129,342
7	73	$27,424	$9,190	$18,234	$5,111,108
7	74	$27,424	$9,157	$18,267	$5,092,841
7	75	$27,424	$9,125	$18,299	$5,074,542
7	76	$27,424	$9,092	$18,332	$5,056,210
7	77	$27,424	$9,059	$18,365	$5,037,845
7	78	$27,424	$9,026	$18,398	$5,019,447
7	79	$27,424	$8,993	$18,431	$5,001,016
7	80	$27,424	$8,960	$18,464	$4,982,552
7	81	$27,424	$8,927	$18,497	$4,964,055
7	82	$27,424	$8,894	$18,530	$4,945,525
7	83	$27,424	$8,861	$18,563	$4,926,962
7	84	$27,424	$8,827	$18,597	$4,908,365
8	85	$27,424	$8,794	$18,630	$4,889,736
8	86	$27,424	$8,761	$18,663	$4,871,072
8	87	$27,424	$8,727	$18,697	$4,852,376
8	88	$27,424	$8,694	$18,730	$4,833,645
8	89	$27,424	$8,660	$18,764	$4,814,882
8	90	$27,424	$8,627	$18,797	$4,796,084
8	91	$27,424	$8,593	$18,831	$4,777,253
8	92	$27,424	$8,559	$18,865	$4,758,389
8	93	$27,424	$8,525	$18,899	$4,739,490
8	94	$27,424	$8,492	$18,932	$4,720,558
8	95	$27,424	$8,458	$18,966	$4,701,591
8	96	$27,424	$8,424	$19,000	$4,682,591
9	97	$27,424	$8,390	$19,034	$4,663,557
9	98	$27,424	$8,356	$19,068	$4,644,488
9	99	$27,424	$8,321	$19,103	$4,625,386
9	100	$27,424	$8,287	$19,137	$4,606,249
9	101	$27,424	$8,253	$19,171	$4,587,078
9	102	$27,424	$8,219	$19,205	$4,567,872
9	103	$27,424	$8,184	$19,240	$4,548,632
9	104	$27,424	$8,150	$19,274	$4,529,358
9	105	$27,424	$8,115	$19,309	$4,510,049
9	106	$27,424	$8,081	$19,343	$4,490,706
9	107	$27,424	$8,046	$19,378	$4,471,327
9	108	$27,424	$8,011	$19,413	$4,451,915
10	109	$27,424	$7,976	$19,448	$4,432,467
10	110	$27,424	$7,942	$19,482	$4,412,984
10	111	$27,424	$7,907	$19,517	$4,393,467
10	112	$27,424	$7,872	$19,552	$4,373,915
10	113	$27,424	$7,837	$19,587	$4,354,327
10	114	$27,424	$7,802	$19,622	$4,334,705
10	115	$27,424	$7,766	$19,658	$4,315,047
10	116	$27,424	$7,731	$19,693	$4,295,354
10	117	$27,424	$7,696	$19,728	$4,275,626
10	118	$27,424	$7,660	$19,763	$4,255,863
10	119	$27,424	$7,625	$19,799	$4,236,064
10	120	$27,424	$7,590	$19,834	$4,216,229
11	121	$27,424	$7,554	$19,870	$4,196,359
11	122	$27,424	$7,518	$19,906	$4,176,454
11	123	$27,424	$7,483	$19,941	$4,156,513
11	124	$27,424	$7,447	$19,977	$4,136,536
11	125	$27,424	$7,411	$20,013	$4,116,523
11	126	$27,424	$7,375	$20,049	$4,096,474
11	127	$27,424	$7,340	$20,084	$4,076,390
11	128	$27,424	$7,304	$20,120	$4,056,270
11	129	$27,424	$7,267	$20,157	$4,036,113
11	130	$27,424	$7,231	$20,193	$4,015,920
11	131	$27,424	$7,195	$20,229	$3,995,692
11	132	$27,424	$7,159	$20,265	$3,975,427
12	133	$27,424	$7,123	$20,301	$3,955,125
12	134	$27,424	$7,086	$20,338	$3,934,787
12	135	$27,424	$7,050	$20,374	$3,914,413
12	136	$27,424	$7,013	$20,411	$3,894,003
12	137	$27,424	$6,977	$20,447	$3,873,555
12	138	$27,424	$6,940	$20,484	$3,853,071
12	139	$27,424	$6,903	$20,521	$3,832,551
12	140	$27,424	$6,867	$20,557	$3,811,994
12	141	$27,424	$6,830	$20,594	$3,791,399
12	142	$27,424	$6,793	$20,631	$3,770,768
12	143	$27,424	$6,756	$20,668	$3,750,100
12	144	$27,424	$6,719	$20,705	$3,729,395
13	145	$27,424	$6,682	$20,742	$3,708,653
13	146	$27,424	$6,645	$20,779	$3,687,874
13	147	$27,424	$6,607	$20,817	$3,667,057
13	148	$27,424	$6,570	$20,854	$3,646,203
13	149	$27,424	$6,533	$20,891	$3,625,312
13	150	$27,424	$6,495	$20,929	$3,604,383
13	151	$27,424	$6,458	$20,966	$3,583,417
13	152	$27,424	$6,420	$21,004	$3,562,414
13	153	$27,424	$6,383	$21,041	$3,541,372
13	154	$27,424	$6,345	$21,079	$3,520,293
13	155	$27,424	$6,307	$21,117	$3,499,176
13	156	$27,424	$6,269	$21,155	$3,478,022
14	157	$27,424	$6,231	$21,193	$3,456,829
14	158	$27,424	$6,193	$21,231	$3,435,599
14	159	$27,424	$6,155	$21,269	$3,414,330
14	160	$27,424	$6,117	$21,307	$3,393,024
14	161	$27,424	$6,079	$21,345	$3,371,679
14	162	$27,424	$6,041	$21,383	$3,350,296
14	163	$27,424	$6,003	$21,421	$3,328,874
14	164	$27,424	$5,964	$21,460	$3,307,415
14	165	$27,424	$5,926	$21,498	$3,285,916
14	166	$27,424	$5,887	$21,537	$3,264,380
14	167	$27,424	$5,849	$21,575	$3,242,804
14	168	$27,424	$5,810	$21,614	$3,221,190
15	169	$27,424	$5,771	$21,653	$3,199,538
15	170	$27,424	$5,733	$21,691	$3,177,846
15	171	$27,424	$5,694	$21,730	$3,156,116
15	172	$27,424	$5,655	$21,769	$3,134,346
15	173	$27,424	$5,616	$21,808	$3,112,538
15	174	$27,424	$5,577	$21,847	$3,090,691
15	175	$27,424	$5,537	$21,887	$3,068,804
15	176	$27,424	$5,498	$21,926	$3,046,879
15	177	$27,424	$5,459	$21,965	$3,024,914
15	178	$27,424	$5,420	$22,004	$3,002,909
15	179	$27,424	$5,380	$22,044	$2,980,865
15	180	$27,424	$5,341	$22,083	$2,958,782
16	181	$27,424	$5,301	$22,123	$2,936,659
16	182	$27,424	$5,262	$22,162	$2,914,497
16	183	$27,424	$5,222	$22,202	$2,892,295
16	184	$27,424	$5,182	$22,242	$2,870,053
16	185	$27,424	$5,142	$22,282	$2,847,771
16	186	$27,424	$5,102	$22,322	$2,825,449
16	187	$27,424	$5,062	$22,362	$2,803,087
16	188	$27,424	$5,022	$22,402	$2,780,686
16	189	$27,424	$4,982	$22,442	$2,758,244
16	190	$27,424	$4,942	$22,482	$2,735,761
16	191	$27,424	$4,902	$22,522	$2,713,239
16	192	$27,424	$4,861	$22,563	$2,690,676
17	193	$27,424	$4,821	$22,603	$2,668,073
17	194	$27,424	$4,780	$22,644	$2,645,429
17	195	$27,424	$4,740	$22,684	$2,622,745
17	196	$27,424	$4,699	$22,725	$2,600,020
17	197	$27,424	$4,658	$22,766	$2,577,255
17	198	$27,424	$4,618	$22,806	$2,554,448
17	199	$27,424	$4,577	$22,847	$2,531,601
17	200	$27,424	$4,536	$22,888	$2,508,713
17	201	$27,424	$4,495	$22,929	$2,485,783
17	202	$27,424	$4,454	$22,970	$2,462,813
17	203	$27,424	$4,413	$23,011	$2,439,802
17	204	$27,424	$4,371	$23,053	$2,416,749
18	205	$27,424	$4,330	$23,094	$2,393,655
18	206	$27,424	$4,289	$23,135	$2,370,520
18	207	$27,424	$4,247	$23,177	$2,347,343
18	208	$27,424	$4,206	$23,218	$2,324,125
18	209	$27,424	$4,164	$23,260	$2,300,865
18	210	$27,424	$4,122	$23,302	$2,277,563
18	211	$27,424	$4,081	$23,343	$2,254,220
18	212	$27,424	$4,039	$23,385	$2,230,834
18	213	$27,424	$3,997	$23,427	$2,207,407
18	214	$27,424	$3,955	$23,469	$2,183,938
18	215	$27,424	$3,913	$23,511	$2,160,427
18	216	$27,424	$3,871	$23,553	$2,136,874
19	217	$27,424	$3,829	$23,595	$2,113,278
19	218	$27,424	$3,786	$23,638	$2,089,641
19	219	$27,424	$3,744	$23,680	$2,065,961
19	220	$27,424	$3,702	$23,722	$2,042,238
19	221	$27,424	$3,659	$23,765	$2,018,473
19	222	$27,424	$3,616	$23,808	$1,994,666
19	223	$27,424	$3,574	$23,850	$1,970,815
19	224	$27,424	$3,531	$23,893	$1,946,923
19	225	$27,424	$3,488	$23,936	$1,922,987
19	226	$27,424	$3,445	$23,979	$1,899,008
19	227	$27,424	$3,402	$24,022	$1,874,987
19	228	$27,424	$3,359	$24,065	$1,850,922
20	229	$27,424	$3,316	$24,108	$1,826,814
20	230	$27,424	$3,273	$24,151	$1,802,663
20	231	$27,424	$3,230	$24,194	$1,778,469
20	232	$27,424	$3,186	$24,238	$1,754,231
20	233	$27,424	$3,143	$24,281	$1,729,950
20	234	$27,424	$3,099	$24,325	$1,705,626
20	235	$27,424	$3,056	$24,368	$1,681,258
20	236	$27,424	$3,012	$24,412	$1,656,846
20	237	$27,424	$2,969	$24,455	$1,632,391
20	238	$27,424	$2,925	$24,499	$1,607,891
20	239	$27,424	$2,881	$24,543	$1,583,348
20	240	$27,424	$2,837	$24,587	$1,558,761
21	241	$27,424	$2,793	$24,631	$1,534,130
21	242	$27,424	$2,749	$24,675	$1,509,454
21	243	$27,424	$2,704	$24,720	$1,484,735
21	244	$27,424	$2,660	$24,764	$1,459,971
21	245	$27,424	$2,616	$24,808	$1,435,163
21	246	$27,424	$2,571	$24,853	$1,410,310
21	247	$27,424	$2,527	$24,897	$1,385,413
21	248	$27,424	$2,482	$24,942	$1,360,471
21	249	$27,424	$2,438	$24,986	$1,335,485
21	250	$27,424	$2,393	$25,031	$1,310,453
21	251	$27,424	$2,348	$25,076	$1,285,377
21	252	$27,424	$2,303	$25,121	$1,260,256
22	253	$27,424	$2,258	$25,166	$1,235,090
22	254	$27,424	$2,213	$25,211	$1,209,879
22	255	$27,424	$2,168	$25,256	$1,184,623
22	256	$27,424	$2,122	$25,302	$1,159,321
22	257	$27,424	$2,077	$25,347	$1,133,974
22	258	$27,424	$2,032	$25,392	$1,108,582
22	259	$27,424	$1,986	$25,438	$1,083,144
22	260	$27,424	$1,941	$25,483	$1,057,661
22	261	$27,424	$1,895	$25,529	$1,032,132
22	262	$27,424	$1,849	$25,575	$1,006,557
22	263	$27,424	$1,803	$25,621	$980,937
22	264	$27,424	$1,758	$25,666	$955,270
23	265	$27,424	$1,712	$25,712	$929,558
23	266	$27,424	$1,665	$25,759	$903,799
23	267	$27,424	$1,619	$25,805	$877,994
23	268	$27,424	$1,573	$25,851	$852,143
23	269	$27,424	$1,527	$25,897	$826,246
23	270	$27,424	$1,480	$25,944	$800,303
23	271	$27,424	$1,434	$25,990	$774,312
23	272	$27,424	$1,387	$26,037	$748,276
23	273	$27,424	$1,341	$26,083	$722,192
23	274	$27,424	$1,294	$26,130	$696,062
23	275	$27,424	$1,247	$26,177	$669,885
23	276	$27,424	$1,200	$26,224	$643,662
24	277	$27,424	$1,153	$26,271	$617,391
24	278	$27,424	$1,106	$26,318	$591,073
24	279	$27,424	$1,059	$26,365	$564,708
24	280	$27,424	$1,012	$26,412	$538,296
24	281	$27,424	$964	$26,460	$511,836
24	282	$27,424	$917	$26,507	$485,329
24	283	$27,424	$870	$26,554	$458,775
24	284	$27,424	$822	$26,602	$432,173
24	285	$27,424	$774	$26,650	$405,523
24	286	$27,424	$727	$26,697	$378,826
24	287	$27,424	$679	$26,745	$352,080
24	288	$27,424	$631	$26,793	$325,287
25	289	$27,424	$583	$26,841	$298,446
25	290	$27,424	$535	$26,889	$271,557
25	291	$27,424	$487	$26,937	$244,619
25	292	$27,424	$438	$26,986	$217,634
25	293	$27,424	$390	$27,034	$190,600
25	294	$27,424	$341	$27,083	$163,517
25	295	$27,424	$293	$27,131	$136,386
25	296	$27,424	$244	$27,180	$109,206
25	297	$27,424	$196	$27,228	$81,978
25	298	$27,424	$147	$27,277	$54,701
25	299	$27,424	$98	$27,326	$27,375
25	300	$27,424	$49	$27,375	$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$ 4,240,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,346,000

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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.