Century 21 Centaland Property

Down Payment (HKD)

$3,352,000

Monthly Repayment (HKD)

$21,680

Loan Amount (HKD)

$5,028,000

Total Interest (HKD)

$1,476,144

Total Repayment (HKD)

$6,504,144

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$21,680	$9,009	$12,672	$5,015,328
1	2	$21,680	$8,986	$12,695	$5,002,633
1	3	$21,680	$8,963	$12,717	$4,989,916
1	4	$21,680	$8,940	$12,740	$4,977,176
1	5	$21,680	$8,917	$12,763	$4,964,413
1	6	$21,680	$8,895	$12,786	$4,951,627
1	7	$21,680	$8,872	$12,809	$4,938,818
1	8	$21,680	$8,849	$12,832	$4,925,986
1	9	$21,680	$8,826	$12,855	$4,913,131
1	10	$21,680	$8,803	$12,878	$4,900,254
1	11	$21,680	$8,780	$12,901	$4,887,353
1	12	$21,680	$8,757	$12,924	$4,874,429
2	13	$21,680	$8,733	$12,947	$4,861,482
2	14	$21,680	$8,710	$12,970	$4,848,511
2	15	$21,680	$8,687	$12,994	$4,835,518
2	16	$21,680	$8,664	$13,017	$4,822,501
2	17	$21,680	$8,640	$13,040	$4,809,461
2	18	$21,680	$8,617	$13,064	$4,796,397
2	19	$21,680	$8,594	$13,087	$4,783,310
2	20	$21,680	$8,570	$13,110	$4,770,200
2	21	$21,680	$8,547	$13,134	$4,757,066
2	22	$21,680	$8,523	$13,157	$4,743,909
2	23	$21,680	$8,500	$13,181	$4,730,728
2	24	$21,680	$8,476	$13,205	$4,717,523
3	25	$21,680	$8,452	$13,228	$4,704,295
3	26	$21,680	$8,429	$13,252	$4,691,043
3	27	$21,680	$8,405	$13,276	$4,677,767
3	28	$21,680	$8,381	$13,299	$4,664,468
3	29	$21,680	$8,357	$13,323	$4,651,144
3	30	$21,680	$8,333	$13,347	$4,637,797
3	31	$21,680	$8,309	$13,371	$4,624,426
3	32	$21,680	$8,285	$13,395	$4,611,031
3	33	$21,680	$8,261	$13,419	$4,597,612
3	34	$21,680	$8,237	$13,443	$4,584,169
3	35	$21,680	$8,213	$13,467	$4,570,702
3	36	$21,680	$8,189	$13,491	$4,557,210
4	37	$21,680	$8,165	$13,515	$4,543,695
4	38	$21,680	$8,141	$13,540	$4,530,155
4	39	$21,680	$8,117	$13,564	$4,516,591
4	40	$21,680	$8,092	$13,588	$4,503,003
4	41	$21,680	$8,068	$13,613	$4,489,390
4	42	$21,680	$8,043	$13,637	$4,475,753
4	43	$21,680	$8,019	$13,661	$4,462,092
4	44	$21,680	$7,995	$13,686	$4,448,406
4	45	$21,680	$7,970	$13,710	$4,434,696
4	46	$21,680	$7,945	$13,735	$4,420,961
4	47	$21,680	$7,921	$13,760	$4,407,201
4	48	$21,680	$7,896	$13,784	$4,393,417
5	49	$21,680	$7,872	$13,809	$4,379,608
5	50	$21,680	$7,847	$13,834	$4,365,774
5	51	$21,680	$7,822	$13,858	$4,351,916
5	52	$21,680	$7,797	$13,883	$4,338,033
5	53	$21,680	$7,772	$13,908	$4,324,124
5	54	$21,680	$7,747	$13,933	$4,310,191
5	55	$21,680	$7,722	$13,958	$4,296,233
5	56	$21,680	$7,697	$13,983	$4,282,250
5	57	$21,680	$7,672	$14,008	$4,268,242
5	58	$21,680	$7,647	$14,033	$4,254,209
5	59	$21,680	$7,622	$14,058	$4,240,150
5	60	$21,680	$7,597	$14,084	$4,226,067
6	61	$21,680	$7,572	$14,109	$4,211,958
6	62	$21,680	$7,546	$14,134	$4,197,824
6	63	$21,680	$7,521	$14,159	$4,183,665
6	64	$21,680	$7,496	$14,185	$4,169,480
6	65	$21,680	$7,470	$14,210	$4,155,270
6	66	$21,680	$7,445	$14,236	$4,141,034
6	67	$21,680	$7,419	$14,261	$4,126,773
6	68	$21,680	$7,394	$14,287	$4,112,486
6	69	$21,680	$7,368	$14,312	$4,098,174
6	70	$21,680	$7,343	$14,338	$4,083,836
6	71	$21,680	$7,317	$14,364	$4,069,473
6	72	$21,680	$7,291	$14,389	$4,055,083
7	73	$21,680	$7,265	$14,415	$4,040,668
7	74	$21,680	$7,240	$14,441	$4,026,227
7	75	$21,680	$7,214	$14,467	$4,011,760
7	76	$21,680	$7,188	$14,493	$3,997,268
7	77	$21,680	$7,162	$14,519	$3,982,749
7	78	$21,680	$7,136	$14,545	$3,968,204
7	79	$21,680	$7,110	$14,571	$3,953,633
7	80	$21,680	$7,084	$14,597	$3,939,037
7	81	$21,680	$7,057	$14,623	$3,924,413
7	82	$21,680	$7,031	$14,649	$3,909,764
7	83	$21,680	$7,005	$14,675	$3,895,089
7	84	$21,680	$6,979	$14,702	$3,880,387
8	85	$21,680	$6,952	$14,728	$3,865,659
8	86	$21,680	$6,926	$14,755	$3,850,904
8	87	$21,680	$6,900	$14,781	$3,836,123
8	88	$21,680	$6,873	$14,807	$3,821,316
8	89	$21,680	$6,847	$14,834	$3,806,482
8	90	$21,680	$6,820	$14,861	$3,791,621
8	91	$21,680	$6,793	$14,887	$3,776,734
8	92	$21,680	$6,767	$14,914	$3,761,820
8	93	$21,680	$6,740	$14,941	$3,746,880
8	94	$21,680	$6,713	$14,967	$3,731,913
8	95	$21,680	$6,686	$14,994	$3,716,918
8	96	$21,680	$6,659	$15,021	$3,701,897
9	97	$21,680	$6,633	$15,048	$3,686,850
9	98	$21,680	$6,606	$15,075	$3,671,775
9	99	$21,680	$6,579	$15,102	$3,656,673
9	100	$21,680	$6,552	$15,129	$3,641,544
9	101	$21,680	$6,524	$15,156	$3,626,388
9	102	$21,680	$6,497	$15,183	$3,611,205
9	103	$21,680	$6,470	$15,210	$3,595,994
9	104	$21,680	$6,443	$15,238	$3,580,757
9	105	$21,680	$6,416	$15,265	$3,565,492
9	106	$21,680	$6,388	$15,292	$3,550,199
9	107	$21,680	$6,361	$15,320	$3,534,880
9	108	$21,680	$6,333	$15,347	$3,519,532
10	109	$21,680	$6,306	$15,375	$3,504,158
10	110	$21,680	$6,278	$15,402	$3,488,756
10	111	$21,680	$6,251	$15,430	$3,473,326
10	112	$21,680	$6,223	$15,457	$3,457,868
10	113	$21,680	$6,195	$15,485	$3,442,383
10	114	$21,680	$6,168	$15,513	$3,426,870
10	115	$21,680	$6,140	$15,541	$3,411,330
10	116	$21,680	$6,112	$15,569	$3,395,761
10	117	$21,680	$6,084	$15,596	$3,380,165
10	118	$21,680	$6,056	$15,624	$3,364,540
10	119	$21,680	$6,028	$15,652	$3,348,888
10	120	$21,680	$6,000	$15,680	$3,333,208
11	121	$21,680	$5,972	$15,708	$3,317,499
11	122	$21,680	$5,944	$15,737	$3,301,763
11	123	$21,680	$5,916	$15,765	$3,285,998
11	124	$21,680	$5,887	$15,793	$3,270,205
11	125	$21,680	$5,859	$15,821	$3,254,383
11	126	$21,680	$5,831	$15,850	$3,238,534
11	127	$21,680	$5,802	$15,878	$3,222,655
11	128	$21,680	$5,774	$15,907	$3,206,749
11	129	$21,680	$5,745	$15,935	$3,190,814
11	130	$21,680	$5,717	$15,964	$3,174,850
11	131	$21,680	$5,688	$15,992	$3,158,858
11	132	$21,680	$5,660	$16,021	$3,142,837
12	133	$21,680	$5,631	$16,050	$3,126,788
12	134	$21,680	$5,602	$16,078	$3,110,709
12	135	$21,680	$5,573	$16,107	$3,094,602
12	136	$21,680	$5,544	$16,136	$3,078,466
12	137	$21,680	$5,516	$16,165	$3,062,301
12	138	$21,680	$5,487	$16,194	$3,046,107
12	139	$21,680	$5,458	$16,223	$3,029,885
12	140	$21,680	$5,429	$16,252	$3,013,633
12	141	$21,680	$5,399	$16,281	$2,997,352
12	142	$21,680	$5,370	$16,310	$2,981,041
12	143	$21,680	$5,341	$16,339	$2,964,702
12	144	$21,680	$5,312	$16,369	$2,948,333
13	145	$21,680	$5,282	$16,398	$2,931,935
13	146	$21,680	$5,253	$16,427	$2,915,508
13	147	$21,680	$5,224	$16,457	$2,899,051
13	148	$21,680	$5,194	$16,486	$2,882,565
13	149	$21,680	$5,165	$16,516	$2,866,049
13	150	$21,680	$5,135	$16,545	$2,849,503
13	151	$21,680	$5,105	$16,575	$2,832,928
13	152	$21,680	$5,076	$16,605	$2,816,323
13	153	$21,680	$5,046	$16,635	$2,799,689
13	154	$21,680	$5,016	$16,664	$2,783,024
13	155	$21,680	$4,986	$16,694	$2,766,330
13	156	$21,680	$4,956	$16,724	$2,749,606
14	157	$21,680	$4,926	$16,754	$2,732,852
14	158	$21,680	$4,896	$16,784	$2,716,068
14	159	$21,680	$4,866	$16,814	$2,699,254
14	160	$21,680	$4,836	$16,844	$2,682,409
14	161	$21,680	$4,806	$16,874	$2,665,535
14	162	$21,680	$4,776	$16,905	$2,648,630
14	163	$21,680	$4,745	$16,935	$2,631,695
14	164	$21,680	$4,715	$16,965	$2,614,730
14	165	$21,680	$4,685	$16,996	$2,597,734
14	166	$21,680	$4,654	$17,026	$2,580,708
14	167	$21,680	$4,624	$17,057	$2,563,651
14	168	$21,680	$4,593	$17,087	$2,546,564
15	169	$21,680	$4,563	$17,118	$2,529,446
15	170	$21,680	$4,532	$17,149	$2,512,297
15	171	$21,680	$4,501	$17,179	$2,495,118
15	172	$21,680	$4,470	$17,210	$2,477,908
15	173	$21,680	$4,440	$17,241	$2,460,667
15	174	$21,680	$4,409	$17,272	$2,443,395
15	175	$21,680	$4,378	$17,303	$2,426,092
15	176	$21,680	$4,347	$17,334	$2,408,759
15	177	$21,680	$4,316	$17,365	$2,391,394
15	178	$21,680	$4,285	$17,396	$2,373,998
15	179	$21,680	$4,253	$17,427	$2,356,571
15	180	$21,680	$4,222	$17,458	$2,339,113
16	181	$21,680	$4,191	$17,490	$2,321,623
16	182	$21,680	$4,160	$17,521	$2,304,102
16	183	$21,680	$4,128	$17,552	$2,286,550
16	184	$21,680	$4,097	$17,584	$2,268,966
16	185	$21,680	$4,065	$17,615	$2,251,351
16	186	$21,680	$4,034	$17,647	$2,233,704
16	187	$21,680	$4,002	$17,678	$2,216,026
16	188	$21,680	$3,970	$17,710	$2,198,316
16	189	$21,680	$3,939	$17,742	$2,180,574
16	190	$21,680	$3,907	$17,774	$2,162,800
16	191	$21,680	$3,875	$17,805	$2,144,995
16	192	$21,680	$3,843	$17,837	$2,127,157
17	193	$21,680	$3,811	$17,869	$2,109,288
17	194	$21,680	$3,779	$17,901	$2,091,387
17	195	$21,680	$3,747	$17,933	$2,073,453
17	196	$21,680	$3,715	$17,966	$2,055,488
17	197	$21,680	$3,683	$17,998	$2,037,490
17	198	$21,680	$3,651	$18,030	$2,019,460
17	199	$21,680	$3,618	$18,062	$2,001,398
17	200	$21,680	$3,586	$18,095	$1,983,303
17	201	$21,680	$3,553	$18,127	$1,965,176
17	202	$21,680	$3,521	$18,160	$1,947,016
17	203	$21,680	$3,488	$18,192	$1,928,824
17	204	$21,680	$3,456	$18,225	$1,910,600
18	205	$21,680	$3,423	$18,257	$1,892,342
18	206	$21,680	$3,390	$18,290	$1,874,052
18	207	$21,680	$3,358	$18,323	$1,855,730
18	208	$21,680	$3,325	$18,356	$1,837,374
18	209	$21,680	$3,292	$18,389	$1,818,985
18	210	$21,680	$3,259	$18,421	$1,800,564
18	211	$21,680	$3,226	$18,454	$1,782,109
18	212	$21,680	$3,193	$18,488	$1,763,622
18	213	$21,680	$3,160	$18,521	$1,745,101
18	214	$21,680	$3,127	$18,554	$1,726,547
18	215	$21,680	$3,093	$18,587	$1,707,960
18	216	$21,680	$3,060	$18,620	$1,689,340
19	217	$21,680	$3,027	$18,654	$1,670,686
19	218	$21,680	$2,993	$18,687	$1,651,999
19	219	$21,680	$2,960	$18,721	$1,633,278
19	220	$21,680	$2,926	$18,754	$1,614,524
19	221	$21,680	$2,893	$18,788	$1,595,736
19	222	$21,680	$2,859	$18,821	$1,576,915
19	223	$21,680	$2,825	$18,855	$1,558,060
19	224	$21,680	$2,792	$18,889	$1,539,171
19	225	$21,680	$2,758	$18,923	$1,520,248
19	226	$21,680	$2,724	$18,957	$1,501,291
19	227	$21,680	$2,690	$18,991	$1,482,301
19	228	$21,680	$2,656	$19,025	$1,463,276
20	229	$21,680	$2,622	$19,059	$1,444,217
20	230	$21,680	$2,588	$19,093	$1,425,124
20	231	$21,680	$2,553	$19,127	$1,405,997
20	232	$21,680	$2,519	$19,161	$1,386,836
20	233	$21,680	$2,485	$19,196	$1,367,640
20	234	$21,680	$2,450	$19,230	$1,348,410
20	235	$21,680	$2,416	$19,265	$1,329,145
20	236	$21,680	$2,381	$19,299	$1,309,846
20	237	$21,680	$2,347	$19,334	$1,290,513
20	238	$21,680	$2,312	$19,368	$1,271,144
20	239	$21,680	$2,277	$19,403	$1,251,741
20	240	$21,680	$2,243	$19,438	$1,232,303
21	241	$21,680	$2,208	$19,473	$1,212,831
21	242	$21,680	$2,173	$19,507	$1,193,323
21	243	$21,680	$2,138	$19,542	$1,173,781
21	244	$21,680	$2,103	$19,577	$1,154,203
21	245	$21,680	$2,068	$19,613	$1,134,591
21	246	$21,680	$2,033	$19,648	$1,114,943
21	247	$21,680	$1,998	$19,683	$1,095,260
21	248	$21,680	$1,962	$19,718	$1,075,542
21	249	$21,680	$1,927	$19,753	$1,055,789
21	250	$21,680	$1,892	$19,789	$1,036,000
21	251	$21,680	$1,856	$19,824	$1,016,176
21	252	$21,680	$1,821	$19,860	$996,316
22	253	$21,680	$1,785	$19,895	$976,420
22	254	$21,680	$1,749	$19,931	$956,489
22	255	$21,680	$1,714	$19,967	$936,523
22	256	$21,680	$1,678	$20,003	$916,520
22	257	$21,680	$1,642	$20,038	$896,482
22	258	$21,680	$1,606	$20,074	$876,407
22	259	$21,680	$1,570	$20,110	$856,297
22	260	$21,680	$1,534	$20,146	$836,151
22	261	$21,680	$1,498	$20,182	$815,968
22	262	$21,680	$1,462	$20,219	$795,750
22	263	$21,680	$1,426	$20,255	$775,495
22	264	$21,680	$1,389	$20,291	$755,204
23	265	$21,680	$1,353	$20,327	$734,877
23	266	$21,680	$1,317	$20,364	$714,513
23	267	$21,680	$1,280	$20,400	$694,112
23	268	$21,680	$1,244	$20,437	$673,676
23	269	$21,680	$1,207	$20,473	$653,202
23	270	$21,680	$1,170	$20,510	$632,692
23	271	$21,680	$1,134	$20,547	$612,145
23	272	$21,680	$1,097	$20,584	$591,561
23	273	$21,680	$1,060	$20,621	$570,941
23	274	$21,680	$1,023	$20,658	$550,283
23	275	$21,680	$986	$20,695	$529,589
23	276	$21,680	$949	$20,732	$508,857
24	277	$21,680	$912	$20,769	$488,088
24	278	$21,680	$874	$20,806	$467,282
24	279	$21,680	$837	$20,843	$446,439
24	280	$21,680	$800	$20,881	$425,558
24	281	$21,680	$762	$20,918	$404,640
24	282	$21,680	$725	$20,955	$383,685
24	283	$21,680	$687	$20,993	$362,692
24	284	$21,680	$650	$21,031	$341,661
24	285	$21,680	$612	$21,068	$320,593
24	286	$21,680	$574	$21,106	$299,487
24	287	$21,680	$537	$21,144	$278,343
24	288	$21,680	$499	$21,182	$257,161
25	289	$21,680	$461	$21,220	$235,941
25	290	$21,680	$423	$21,258	$214,684
25	291	$21,680	$385	$21,296	$193,388
25	292	$21,680	$346	$21,334	$172,054
25	293	$21,680	$308	$21,372	$150,682
25	294	$21,680	$270	$21,411	$129,271
25	295	$21,680	$232	$21,449	$107,822
25	296	$21,680	$193	$21,487	$86,335
25	297	$21,680	$155	$21,526	$64,809
25	298	$21,680	$116	$21,564	$43,245
25	299	$21,680	$77	$21,603	$21,642
25	300	$21,680	$39	$21,642	$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$ 3,352,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,435,800

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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.