Century 21 Centaland Property

Down Payment (HKD)

$3,992,000

Monthly Repayment (HKD)

$25,820

Loan Amount (HKD)

$5,988,000

Total Interest (HKD)

$1,757,985

Total Repayment (HKD)

$7,745,985

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$25,820	$10,729	$15,091	$5,972,909
1	2	$25,820	$10,701	$15,118	$5,957,790
1	3	$25,820	$10,674	$15,146	$5,942,644
1	4	$25,820	$10,647	$15,173	$5,927,472
1	5	$25,820	$10,620	$15,200	$5,912,272
1	6	$25,820	$10,593	$15,227	$5,897,045
1	7	$25,820	$10,566	$15,254	$5,881,790
1	8	$25,820	$10,538	$15,282	$5,866,509
1	9	$25,820	$10,511	$15,309	$5,851,199
1	10	$25,820	$10,483	$15,337	$5,835,863
1	11	$25,820	$10,456	$15,364	$5,820,499
1	12	$25,820	$10,428	$15,392	$5,805,107
2	13	$25,820	$10,401	$15,419	$5,789,688
2	14	$25,820	$10,373	$15,447	$5,774,241
2	15	$25,820	$10,346	$15,474	$5,758,767
2	16	$25,820	$10,318	$15,502	$5,743,265
2	17	$25,820	$10,290	$15,530	$5,727,735
2	18	$25,820	$10,262	$15,558	$5,712,177
2	19	$25,820	$10,234	$15,586	$5,696,592
2	20	$25,820	$10,206	$15,614	$5,680,978
2	21	$25,820	$10,178	$15,642	$5,665,336
2	22	$25,820	$10,150	$15,670	$5,649,667
2	23	$25,820	$10,122	$15,698	$5,633,969
2	24	$25,820	$10,094	$15,726	$5,618,243
3	25	$25,820	$10,066	$15,754	$5,602,490
3	26	$25,820	$10,038	$15,782	$5,586,707
3	27	$25,820	$10,010	$15,810	$5,570,897
3	28	$25,820	$9,981	$15,839	$5,555,058
3	29	$25,820	$9,953	$15,867	$5,539,191
3	30	$25,820	$9,924	$15,896	$5,523,295
3	31	$25,820	$9,896	$15,924	$5,507,371
3	32	$25,820	$9,867	$15,953	$5,491,419
3	33	$25,820	$9,839	$15,981	$5,475,438
3	34	$25,820	$9,810	$16,010	$5,459,428
3	35	$25,820	$9,781	$16,038	$5,443,389
3	36	$25,820	$9,753	$16,067	$5,427,322
4	37	$25,820	$9,724	$16,096	$5,411,226
4	38	$25,820	$9,695	$16,125	$5,395,101
4	39	$25,820	$9,666	$16,154	$5,378,948
4	40	$25,820	$9,637	$16,183	$5,362,765
4	41	$25,820	$9,608	$16,212	$5,346,553
4	42	$25,820	$9,579	$16,241	$5,330,313
4	43	$25,820	$9,550	$16,270	$5,314,043
4	44	$25,820	$9,521	$16,299	$5,297,744
4	45	$25,820	$9,492	$16,328	$5,281,416
4	46	$25,820	$9,463	$16,357	$5,265,058
4	47	$25,820	$9,433	$16,387	$5,248,672
4	48	$25,820	$9,404	$16,416	$5,232,255
5	49	$25,820	$9,374	$16,445	$5,215,810
5	50	$25,820	$9,345	$16,475	$5,199,335
5	51	$25,820	$9,315	$16,504	$5,182,831
5	52	$25,820	$9,286	$16,534	$5,166,297
5	53	$25,820	$9,256	$16,564	$5,149,733
5	54	$25,820	$9,227	$16,593	$5,133,139
5	55	$25,820	$9,197	$16,623	$5,116,516
5	56	$25,820	$9,167	$16,653	$5,099,864
5	57	$25,820	$9,137	$16,683	$5,083,181
5	58	$25,820	$9,107	$16,713	$5,066,468
5	59	$25,820	$9,077	$16,743	$5,049,726
5	60	$25,820	$9,047	$16,773	$5,032,953
6	61	$25,820	$9,017	$16,803	$5,016,151
6	62	$25,820	$8,987	$16,833	$4,999,318
6	63	$25,820	$8,957	$16,863	$4,982,455
6	64	$25,820	$8,927	$16,893	$4,965,562
6	65	$25,820	$8,897	$16,923	$4,948,639
6	66	$25,820	$8,866	$16,954	$4,931,685
6	67	$25,820	$8,836	$16,984	$4,914,701
6	68	$25,820	$8,806	$17,014	$4,897,687
6	69	$25,820	$8,775	$17,045	$4,880,642
6	70	$25,820	$8,744	$17,075	$4,863,566
6	71	$25,820	$8,714	$17,106	$4,846,460
6	72	$25,820	$8,683	$17,137	$4,829,323
7	73	$25,820	$8,653	$17,167	$4,812,156
7	74	$25,820	$8,622	$17,198	$4,794,958
7	75	$25,820	$8,591	$17,229	$4,777,729
7	76	$25,820	$8,560	$17,260	$4,760,469
7	77	$25,820	$8,529	$17,291	$4,743,178
7	78	$25,820	$8,498	$17,322	$4,725,857
7	79	$25,820	$8,467	$17,353	$4,708,504
7	80	$25,820	$8,436	$17,384	$4,691,120
7	81	$25,820	$8,405	$17,415	$4,673,705
7	82	$25,820	$8,374	$17,446	$4,656,259
7	83	$25,820	$8,342	$17,477	$4,638,781
7	84	$25,820	$8,311	$17,509	$4,621,272
8	85	$25,820	$8,280	$17,540	$4,603,732
8	86	$25,820	$8,248	$17,572	$4,586,161
8	87	$25,820	$8,217	$17,603	$4,568,557
8	88	$25,820	$8,185	$17,635	$4,550,923
8	89	$25,820	$8,154	$17,666	$4,533,257
8	90	$25,820	$8,122	$17,698	$4,515,559
8	91	$25,820	$8,090	$17,730	$4,497,829
8	92	$25,820	$8,059	$17,761	$4,480,068
8	93	$25,820	$8,027	$17,793	$4,462,275
8	94	$25,820	$7,995	$17,825	$4,444,450
8	95	$25,820	$7,963	$17,857	$4,426,593
8	96	$25,820	$7,931	$17,889	$4,408,704
9	97	$25,820	$7,899	$17,921	$4,390,783
9	98	$25,820	$7,867	$17,953	$4,372,830
9	99	$25,820	$7,835	$17,985	$4,354,844
9	100	$25,820	$7,802	$18,018	$4,336,827
9	101	$25,820	$7,770	$18,050	$4,318,777
9	102	$25,820	$7,738	$18,082	$4,300,695
9	103	$25,820	$7,705	$18,115	$4,282,580
9	104	$25,820	$7,673	$18,147	$4,264,433
9	105	$25,820	$7,640	$18,180	$4,246,254
9	106	$25,820	$7,608	$18,212	$4,228,042
9	107	$25,820	$7,575	$18,245	$4,209,797
9	108	$25,820	$7,543	$18,277	$4,191,520
10	109	$25,820	$7,510	$18,310	$4,173,209
10	110	$25,820	$7,477	$18,343	$4,154,866
10	111	$25,820	$7,444	$18,376	$4,136,491
10	112	$25,820	$7,411	$18,409	$4,118,082
10	113	$25,820	$7,378	$18,442	$4,099,640
10	114	$25,820	$7,345	$18,475	$4,081,165
10	115	$25,820	$7,312	$18,508	$4,062,658
10	116	$25,820	$7,279	$18,541	$4,044,117
10	117	$25,820	$7,246	$18,574	$4,025,542
10	118	$25,820	$7,212	$18,608	$4,006,935
10	119	$25,820	$7,179	$18,641	$3,988,294
10	120	$25,820	$7,146	$18,674	$3,969,620
11	121	$25,820	$7,112	$18,708	$3,950,912
11	122	$25,820	$7,079	$18,741	$3,932,171
11	123	$25,820	$7,045	$18,775	$3,913,396
11	124	$25,820	$7,012	$18,808	$3,894,587
11	125	$25,820	$6,978	$18,842	$3,875,745
11	126	$25,820	$6,944	$18,876	$3,856,869
11	127	$25,820	$6,910	$18,910	$3,837,960
11	128	$25,820	$6,876	$18,944	$3,819,016
11	129	$25,820	$6,842	$18,978	$3,800,038
11	130	$25,820	$6,808	$19,012	$3,781,027
11	131	$25,820	$6,774	$19,046	$3,761,981
11	132	$25,820	$6,740	$19,080	$3,742,902
12	133	$25,820	$6,706	$19,114	$3,723,788
12	134	$25,820	$6,672	$19,148	$3,704,640
12	135	$25,820	$6,637	$19,182	$3,685,457
12	136	$25,820	$6,603	$19,217	$3,666,240
12	137	$25,820	$6,569	$19,251	$3,646,989
12	138	$25,820	$6,534	$19,286	$3,627,703
12	139	$25,820	$6,500	$19,320	$3,608,383
12	140	$25,820	$6,465	$19,355	$3,589,028
12	141	$25,820	$6,430	$19,390	$3,569,638
12	142	$25,820	$6,396	$19,424	$3,550,214
12	143	$25,820	$6,361	$19,459	$3,530,755
12	144	$25,820	$6,326	$19,494	$3,511,261
13	145	$25,820	$6,291	$19,529	$3,491,732
13	146	$25,820	$6,256	$19,564	$3,472,168
13	147	$25,820	$6,221	$19,599	$3,452,569
13	148	$25,820	$6,186	$19,634	$3,432,935
13	149	$25,820	$6,151	$19,669	$3,413,266
13	150	$25,820	$6,115	$19,705	$3,393,561
13	151	$25,820	$6,080	$19,740	$3,373,821
13	152	$25,820	$6,045	$19,775	$3,354,046
13	153	$25,820	$6,009	$19,811	$3,334,235
13	154	$25,820	$5,974	$19,846	$3,314,389
13	155	$25,820	$5,938	$19,882	$3,294,508
13	156	$25,820	$5,903	$19,917	$3,274,590
14	157	$25,820	$5,867	$19,953	$3,254,637
14	158	$25,820	$5,831	$19,989	$3,234,649
14	159	$25,820	$5,795	$20,025	$3,214,624
14	160	$25,820	$5,760	$20,060	$3,194,564
14	161	$25,820	$5,724	$20,096	$3,174,467
14	162	$25,820	$5,688	$20,132	$3,154,335
14	163	$25,820	$5,652	$20,168	$3,134,167
14	164	$25,820	$5,615	$20,205	$3,113,962
14	165	$25,820	$5,579	$20,241	$3,093,721
14	166	$25,820	$5,543	$20,277	$3,073,444
14	167	$25,820	$5,507	$20,313	$3,053,131
14	168	$25,820	$5,470	$20,350	$3,032,781
15	169	$25,820	$5,434	$20,386	$3,012,395
15	170	$25,820	$5,397	$20,423	$2,991,972
15	171	$25,820	$5,361	$20,459	$2,971,513
15	172	$25,820	$5,324	$20,496	$2,951,017
15	173	$25,820	$5,287	$20,533	$2,930,484
15	174	$25,820	$5,250	$20,570	$2,909,915
15	175	$25,820	$5,214	$20,606	$2,889,308
15	176	$25,820	$5,177	$20,643	$2,868,665
15	177	$25,820	$5,140	$20,680	$2,847,985
15	178	$25,820	$5,103	$20,717	$2,827,267
15	179	$25,820	$5,066	$20,754	$2,806,513
15	180	$25,820	$5,028	$20,792	$2,785,721
16	181	$25,820	$4,991	$20,829	$2,764,892
16	182	$25,820	$4,954	$20,866	$2,744,026
16	183	$25,820	$4,916	$20,904	$2,723,123
16	184	$25,820	$4,879	$20,941	$2,702,182
16	185	$25,820	$4,841	$20,979	$2,681,203
16	186	$25,820	$4,804	$21,016	$2,660,187
16	187	$25,820	$4,766	$21,054	$2,639,133
16	188	$25,820	$4,728	$21,092	$2,618,042
16	189	$25,820	$4,691	$21,129	$2,596,912
16	190	$25,820	$4,653	$21,167	$2,575,745
16	191	$25,820	$4,615	$21,205	$2,554,540
16	192	$25,820	$4,577	$21,243	$2,533,297
17	193	$25,820	$4,539	$21,281	$2,512,016
17	194	$25,820	$4,501	$21,319	$2,490,697
17	195	$25,820	$4,462	$21,357	$2,469,339
17	196	$25,820	$4,424	$21,396	$2,447,944
17	197	$25,820	$4,386	$21,434	$2,426,509
17	198	$25,820	$4,347	$21,472	$2,405,037
17	199	$25,820	$4,309	$21,511	$2,383,526
17	200	$25,820	$4,270	$21,549	$2,361,977
17	201	$25,820	$4,232	$21,588	$2,340,389
17	202	$25,820	$4,193	$21,627	$2,318,762
17	203	$25,820	$4,154	$21,666	$2,297,096
17	204	$25,820	$4,116	$21,704	$2,275,392
18	205	$25,820	$4,077	$21,743	$2,253,649
18	206	$25,820	$4,038	$21,782	$2,231,867
18	207	$25,820	$3,999	$21,821	$2,210,045
18	208	$25,820	$3,960	$21,860	$2,188,185
18	209	$25,820	$3,920	$21,899	$2,166,286
18	210	$25,820	$3,881	$21,939	$2,144,347
18	211	$25,820	$3,842	$21,978	$2,122,369
18	212	$25,820	$3,803	$22,017	$2,100,352
18	213	$25,820	$3,763	$22,057	$2,078,295
18	214	$25,820	$3,724	$22,096	$2,056,198
18	215	$25,820	$3,684	$22,136	$2,034,063
18	216	$25,820	$3,644	$22,176	$2,011,887
19	217	$25,820	$3,605	$22,215	$1,989,672
19	218	$25,820	$3,565	$22,255	$1,967,417
19	219	$25,820	$3,525	$22,295	$1,945,122
19	220	$25,820	$3,485	$22,335	$1,922,787
19	221	$25,820	$3,445	$22,375	$1,900,412
19	222	$25,820	$3,405	$22,415	$1,877,997
19	223	$25,820	$3,365	$22,455	$1,855,541
19	224	$25,820	$3,325	$22,495	$1,833,046
19	225	$25,820	$3,284	$22,536	$1,810,510
19	226	$25,820	$3,244	$22,576	$1,787,934
19	227	$25,820	$3,203	$22,617	$1,765,317
19	228	$25,820	$3,163	$22,657	$1,742,660
20	229	$25,820	$3,122	$22,698	$1,719,963
20	230	$25,820	$3,082	$22,738	$1,697,224
20	231	$25,820	$3,041	$22,779	$1,674,445
20	232	$25,820	$3,000	$22,820	$1,651,625
20	233	$25,820	$2,959	$22,861	$1,628,765
20	234	$25,820	$2,918	$22,902	$1,605,863
20	235	$25,820	$2,877	$22,943	$1,582,920
20	236	$25,820	$2,836	$22,984	$1,559,936
20	237	$25,820	$2,795	$23,025	$1,536,911
20	238	$25,820	$2,754	$23,066	$1,513,845
20	239	$25,820	$2,712	$23,108	$1,490,737
20	240	$25,820	$2,671	$23,149	$1,467,588
21	241	$25,820	$2,629	$23,191	$1,444,398
21	242	$25,820	$2,588	$23,232	$1,421,165
21	243	$25,820	$2,546	$23,274	$1,397,892
21	244	$25,820	$2,505	$23,315	$1,374,576
21	245	$25,820	$2,463	$23,357	$1,351,219
21	246	$25,820	$2,421	$23,399	$1,327,820
21	247	$25,820	$2,379	$23,441	$1,304,379
21	248	$25,820	$2,337	$23,483	$1,280,896
21	249	$25,820	$2,295	$23,525	$1,257,371
21	250	$25,820	$2,253	$23,567	$1,233,804
21	251	$25,820	$2,211	$23,609	$1,210,195
21	252	$25,820	$2,168	$23,652	$1,186,543
22	253	$25,820	$2,126	$23,694	$1,162,849
22	254	$25,820	$2,083	$23,737	$1,139,113
22	255	$25,820	$2,041	$23,779	$1,115,333
22	256	$25,820	$1,998	$23,822	$1,091,512
22	257	$25,820	$1,956	$23,864	$1,067,648
22	258	$25,820	$1,913	$23,907	$1,043,740
22	259	$25,820	$1,870	$23,950	$1,019,791
22	260	$25,820	$1,827	$23,993	$995,798
22	261	$25,820	$1,784	$24,036	$971,762
22	262	$25,820	$1,741	$24,079	$947,683
22	263	$25,820	$1,698	$24,122	$923,561
22	264	$25,820	$1,655	$24,165	$899,396
23	265	$25,820	$1,611	$24,209	$875,187
23	266	$25,820	$1,568	$24,252	$850,935
23	267	$25,820	$1,525	$24,295	$826,640
23	268	$25,820	$1,481	$24,339	$802,301
23	269	$25,820	$1,437	$24,382	$777,919
23	270	$25,820	$1,394	$24,426	$753,492
23	271	$25,820	$1,350	$24,470	$729,022
23	272	$25,820	$1,306	$24,514	$704,509
23	273	$25,820	$1,262	$24,558	$679,951
23	274	$25,820	$1,218	$24,602	$655,349
23	275	$25,820	$1,174	$24,646	$630,703
23	276	$25,820	$1,130	$24,690	$606,014
24	277	$25,820	$1,086	$24,734	$581,279
24	278	$25,820	$1,041	$24,778	$556,501
24	279	$25,820	$997	$24,823	$531,678
24	280	$25,820	$953	$24,867	$506,811
24	281	$25,820	$908	$24,912	$481,899
24	282	$25,820	$863	$24,957	$456,942
24	283	$25,820	$819	$25,001	$431,941
24	284	$25,820	$774	$25,046	$406,895
24	285	$25,820	$729	$25,091	$381,804
24	286	$25,820	$684	$25,136	$356,668
24	287	$25,820	$639	$25,181	$331,487
24	288	$25,820	$594	$25,226	$306,261
25	289	$25,820	$549	$25,271	$280,990
25	290	$25,820	$503	$25,317	$255,673
25	291	$25,820	$458	$25,362	$230,311
25	292	$25,820	$413	$25,407	$204,904
25	293	$25,820	$367	$25,453	$179,451
25	294	$25,820	$322	$25,498	$153,953
25	295	$25,820	$276	$25,544	$128,409
25	296	$25,820	$230	$25,590	$102,819
25	297	$25,820	$184	$25,636	$77,183
25	298	$25,820	$138	$25,682	$51,501
25	299	$25,820	$92	$25,728	$25,774
25	300	$25,820	$46	$25,774	$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$ 3,992,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 4,091,800

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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.