Century 21 Centaland Property

Down Payment (HKD)

$3,000,000

Monthly Repayment (HKD)

$19,404

Loan Amount (HKD)

$4,500,000

Total Interest (HKD)

$1,321,131

Total Repayment (HKD)

$5,821,131

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$19,404	$8,063	$11,341	$4,488,659
1	2	$19,404	$8,042	$11,362	$4,477,297
1	3	$19,404	$8,022	$11,382	$4,465,915
1	4	$19,404	$8,001	$11,402	$4,454,513
1	5	$19,404	$7,981	$11,423	$4,443,090
1	6	$19,404	$7,961	$11,443	$4,431,647
1	7	$19,404	$7,940	$11,464	$4,420,183
1	8	$19,404	$7,919	$11,484	$4,408,699
1	9	$19,404	$7,899	$11,505	$4,397,194
1	10	$19,404	$7,878	$11,525	$4,385,669
1	11	$19,404	$7,858	$11,546	$4,374,122
1	12	$19,404	$7,837	$11,567	$4,362,556
2	13	$19,404	$7,816	$11,588	$4,350,968
2	14	$19,404	$7,795	$11,608	$4,339,360
2	15	$19,404	$7,775	$11,629	$4,327,731
2	16	$19,404	$7,754	$11,650	$4,316,081
2	17	$19,404	$7,733	$11,671	$4,304,410
2	18	$19,404	$7,712	$11,692	$4,292,718
2	19	$19,404	$7,691	$11,713	$4,281,006
2	20	$19,404	$7,670	$11,734	$4,269,272
2	21	$19,404	$7,649	$11,755	$4,257,517
2	22	$19,404	$7,628	$11,776	$4,245,742
2	23	$19,404	$7,607	$11,797	$4,233,945
2	24	$19,404	$7,586	$11,818	$4,222,127
3	25	$19,404	$7,565	$11,839	$4,210,288
3	26	$19,404	$7,543	$11,860	$4,198,427
3	27	$19,404	$7,522	$11,882	$4,186,546
3	28	$19,404	$7,501	$11,903	$4,174,643
3	29	$19,404	$7,480	$11,924	$4,162,719
3	30	$19,404	$7,458	$11,946	$4,150,773
3	31	$19,404	$7,437	$11,967	$4,138,806
3	32	$19,404	$7,415	$11,988	$4,126,818
3	33	$19,404	$7,394	$12,010	$4,114,808
3	34	$19,404	$7,372	$12,031	$4,102,776
3	35	$19,404	$7,351	$12,053	$4,090,724
3	36	$19,404	$7,329	$12,075	$4,078,649
4	37	$19,404	$7,308	$12,096	$4,066,553
4	38	$19,404	$7,286	$12,118	$4,054,435
4	39	$19,404	$7,264	$12,140	$4,042,295
4	40	$19,404	$7,242	$12,161	$4,030,134
4	41	$19,404	$7,221	$12,183	$4,017,951
4	42	$19,404	$7,199	$12,205	$4,005,746
4	43	$19,404	$7,177	$12,227	$3,993,519
4	44	$19,404	$7,155	$12,249	$3,981,270
4	45	$19,404	$7,133	$12,271	$3,969,000
4	46	$19,404	$7,111	$12,293	$3,956,707
4	47	$19,404	$7,089	$12,315	$3,944,392
4	48	$19,404	$7,067	$12,337	$3,932,056
5	49	$19,404	$7,045	$12,359	$3,919,697
5	50	$19,404	$7,023	$12,381	$3,907,316
5	51	$19,404	$7,001	$12,403	$3,894,913
5	52	$19,404	$6,978	$12,425	$3,882,487
5	53	$19,404	$6,956	$12,448	$3,870,040
5	54	$19,404	$6,934	$12,470	$3,857,570
5	55	$19,404	$6,911	$12,492	$3,845,077
5	56	$19,404	$6,889	$12,515	$3,832,563
5	57	$19,404	$6,867	$12,537	$3,820,026
5	58	$19,404	$6,844	$12,560	$3,807,466
5	59	$19,404	$6,822	$12,582	$3,794,884
5	60	$19,404	$6,799	$12,605	$3,782,279
6	61	$19,404	$6,777	$12,627	$3,769,652
6	62	$19,404	$6,754	$12,650	$3,757,002
6	63	$19,404	$6,731	$12,672	$3,744,330
6	64	$19,404	$6,709	$12,695	$3,731,635
6	65	$19,404	$6,686	$12,718	$3,718,917
6	66	$19,404	$6,663	$12,741	$3,706,176
6	67	$19,404	$6,640	$12,764	$3,693,413
6	68	$19,404	$6,617	$12,786	$3,680,626
6	69	$19,404	$6,594	$12,809	$3,667,817
6	70	$19,404	$6,572	$12,832	$3,654,985
6	71	$19,404	$6,549	$12,855	$3,642,129
6	72	$19,404	$6,525	$12,878	$3,629,251
7	73	$19,404	$6,502	$12,901	$3,616,350
7	74	$19,404	$6,479	$12,924	$3,603,425
7	75	$19,404	$6,456	$12,948	$3,590,478
7	76	$19,404	$6,433	$12,971	$3,577,507
7	77	$19,404	$6,410	$12,994	$3,564,513
7	78	$19,404	$6,386	$13,017	$3,551,495
7	79	$19,404	$6,363	$13,041	$3,538,455
7	80	$19,404	$6,340	$13,064	$3,525,391
7	81	$19,404	$6,316	$13,087	$3,512,303
7	82	$19,404	$6,293	$13,111	$3,499,192
7	83	$19,404	$6,269	$13,134	$3,486,058
7	84	$19,404	$6,246	$13,158	$3,472,900
8	85	$19,404	$6,222	$13,181	$3,459,719
8	86	$19,404	$6,199	$13,205	$3,446,513
8	87	$19,404	$6,175	$13,229	$3,433,285
8	88	$19,404	$6,151	$13,252	$3,420,032
8	89	$19,404	$6,128	$13,276	$3,406,756
8	90	$19,404	$6,104	$13,300	$3,393,456
8	91	$19,404	$6,080	$13,324	$3,380,132
8	92	$19,404	$6,056	$13,348	$3,366,784
8	93	$19,404	$6,032	$13,372	$3,353,413
8	94	$19,404	$6,008	$13,396	$3,340,017
8	95	$19,404	$5,984	$13,420	$3,326,598
8	96	$19,404	$5,960	$13,444	$3,313,154
9	97	$19,404	$5,936	$13,468	$3,299,686
9	98	$19,404	$5,912	$13,492	$3,286,195
9	99	$19,404	$5,888	$13,516	$3,272,679
9	100	$19,404	$5,864	$13,540	$3,259,138
9	101	$19,404	$5,839	$13,564	$3,245,574
9	102	$19,404	$5,815	$13,589	$3,231,985
9	103	$19,404	$5,791	$13,613	$3,218,372
9	104	$19,404	$5,766	$13,638	$3,204,734
9	105	$19,404	$5,742	$13,662	$3,191,072
9	106	$19,404	$5,717	$13,686	$3,177,386
9	107	$19,404	$5,693	$13,711	$3,163,675
9	108	$19,404	$5,668	$13,736	$3,149,940
10	109	$19,404	$5,644	$13,760	$3,136,179
10	110	$19,404	$5,619	$13,785	$3,122,395
10	111	$19,404	$5,594	$13,809	$3,108,585
10	112	$19,404	$5,570	$13,834	$3,094,751
10	113	$19,404	$5,545	$13,859	$3,080,892
10	114	$19,404	$5,520	$13,884	$3,067,008
10	115	$19,404	$5,495	$13,909	$3,053,099
10	116	$19,404	$5,470	$13,934	$3,039,166
10	117	$19,404	$5,445	$13,959	$3,025,207
10	118	$19,404	$5,420	$13,984	$3,011,224
10	119	$19,404	$5,395	$14,009	$2,997,215
10	120	$19,404	$5,370	$14,034	$2,983,181
11	121	$19,404	$5,345	$14,059	$2,969,122
11	122	$19,404	$5,320	$14,084	$2,955,038
11	123	$19,404	$5,294	$14,109	$2,940,929
11	124	$19,404	$5,269	$14,135	$2,926,794
11	125	$19,404	$5,244	$14,160	$2,912,634
11	126	$19,404	$5,218	$14,185	$2,898,449
11	127	$19,404	$5,193	$14,211	$2,884,238
11	128	$19,404	$5,168	$14,236	$2,870,002
11	129	$19,404	$5,142	$14,262	$2,855,740
11	130	$19,404	$5,117	$14,287	$2,841,453
11	131	$19,404	$5,091	$14,313	$2,827,140
11	132	$19,404	$5,065	$14,338	$2,812,802
12	133	$19,404	$5,040	$14,364	$2,798,438
12	134	$19,404	$5,014	$14,390	$2,784,048
12	135	$19,404	$4,988	$14,416	$2,769,632
12	136	$19,404	$4,962	$14,442	$2,755,191
12	137	$19,404	$4,936	$14,467	$2,740,723
12	138	$19,404	$4,910	$14,493	$2,726,230
12	139	$19,404	$4,884	$14,519	$2,711,711
12	140	$19,404	$4,858	$14,545	$2,697,165
12	141	$19,404	$4,832	$14,571	$2,682,594
12	142	$19,404	$4,806	$14,597	$2,667,996
12	143	$19,404	$4,780	$14,624	$2,653,373
12	144	$19,404	$4,754	$14,650	$2,638,723
13	145	$19,404	$4,728	$14,676	$2,624,047
13	146	$19,404	$4,701	$14,702	$2,609,345
13	147	$19,404	$4,675	$14,729	$2,594,616
13	148	$19,404	$4,649	$14,755	$2,579,861
13	149	$19,404	$4,622	$14,782	$2,565,079
13	150	$19,404	$4,596	$14,808	$2,550,271
13	151	$19,404	$4,569	$14,835	$2,535,437
13	152	$19,404	$4,543	$14,861	$2,520,576
13	153	$19,404	$4,516	$14,888	$2,505,688
13	154	$19,404	$4,489	$14,914	$2,490,774
13	155	$19,404	$4,463	$14,941	$2,475,832
13	156	$19,404	$4,436	$14,968	$2,460,864
14	157	$19,404	$4,409	$14,995	$2,445,870
14	158	$19,404	$4,382	$15,022	$2,430,848
14	159	$19,404	$4,355	$15,049	$2,415,800
14	160	$19,404	$4,328	$15,075	$2,400,724
14	161	$19,404	$4,301	$15,102	$2,385,622
14	162	$19,404	$4,274	$15,130	$2,370,492
14	163	$19,404	$4,247	$15,157	$2,355,336
14	164	$19,404	$4,220	$15,184	$2,340,152
14	165	$19,404	$4,193	$15,211	$2,324,941
14	166	$19,404	$4,166	$15,238	$2,309,703
14	167	$19,404	$4,138	$15,266	$2,294,437
14	168	$19,404	$4,111	$15,293	$2,279,144
15	169	$19,404	$4,083	$15,320	$2,263,824
15	170	$19,404	$4,056	$15,348	$2,248,476
15	171	$19,404	$4,029	$15,375	$2,233,101
15	172	$19,404	$4,001	$15,403	$2,217,698
15	173	$19,404	$3,973	$15,430	$2,202,268
15	174	$19,404	$3,946	$15,458	$2,186,810
15	175	$19,404	$3,918	$15,486	$2,171,324
15	176	$19,404	$3,890	$15,513	$2,155,810
15	177	$19,404	$3,862	$15,541	$2,140,269
15	178	$19,404	$3,835	$15,569	$2,124,700
15	179	$19,404	$3,807	$15,597	$2,109,103
15	180	$19,404	$3,779	$15,625	$2,093,478
16	181	$19,404	$3,751	$15,653	$2,077,825
16	182	$19,404	$3,723	$15,681	$2,062,144
16	183	$19,404	$3,695	$15,709	$2,046,435
16	184	$19,404	$3,667	$15,737	$2,030,698
16	185	$19,404	$3,638	$15,765	$2,014,932
16	186	$19,404	$3,610	$15,794	$1,999,139
16	187	$19,404	$3,582	$15,822	$1,983,317
16	188	$19,404	$3,553	$15,850	$1,967,466
16	189	$19,404	$3,525	$15,879	$1,951,587
16	190	$19,404	$3,497	$15,907	$1,935,680
16	191	$19,404	$3,468	$15,936	$1,919,745
16	192	$19,404	$3,440	$15,964	$1,903,780
17	193	$19,404	$3,411	$15,993	$1,887,788
17	194	$19,404	$3,382	$16,021	$1,871,766
17	195	$19,404	$3,354	$16,050	$1,855,716
17	196	$19,404	$3,325	$16,079	$1,839,637
17	197	$19,404	$3,296	$16,108	$1,823,529
17	198	$19,404	$3,267	$16,137	$1,807,393
17	199	$19,404	$3,238	$16,166	$1,791,227
17	200	$19,404	$3,209	$16,194	$1,775,033
17	201	$19,404	$3,180	$16,224	$1,758,809
17	202	$19,404	$3,151	$16,253	$1,742,556
17	203	$19,404	$3,122	$16,282	$1,726,275
17	204	$19,404	$3,093	$16,311	$1,709,964
18	205	$19,404	$3,064	$16,340	$1,693,624
18	206	$19,404	$3,034	$16,369	$1,677,254
18	207	$19,404	$3,005	$16,399	$1,660,856
18	208	$19,404	$2,976	$16,428	$1,644,428
18	209	$19,404	$2,946	$16,458	$1,627,970
18	210	$19,404	$2,917	$16,487	$1,611,483
18	211	$19,404	$2,887	$16,517	$1,594,967
18	212	$19,404	$2,858	$16,546	$1,578,421
18	213	$19,404	$2,828	$16,576	$1,561,845
18	214	$19,404	$2,798	$16,605	$1,545,239
18	215	$19,404	$2,769	$16,635	$1,528,604
18	216	$19,404	$2,739	$16,665	$1,511,939
19	217	$19,404	$2,709	$16,695	$1,495,244
19	218	$19,404	$2,679	$16,725	$1,478,519
19	219	$19,404	$2,649	$16,755	$1,461,765
19	220	$19,404	$2,619	$16,785	$1,444,980
19	221	$19,404	$2,589	$16,815	$1,428,165
19	222	$19,404	$2,559	$16,845	$1,411,320
19	223	$19,404	$2,529	$16,875	$1,394,445
19	224	$19,404	$2,498	$16,905	$1,377,540
19	225	$19,404	$2,468	$16,936	$1,360,604
19	226	$19,404	$2,438	$16,966	$1,343,638
19	227	$19,404	$2,407	$16,996	$1,326,641
19	228	$19,404	$2,377	$17,027	$1,309,615
20	229	$19,404	$2,346	$17,057	$1,292,557
20	230	$19,404	$2,316	$17,088	$1,275,469
20	231	$19,404	$2,285	$17,119	$1,258,351
20	232	$19,404	$2,255	$17,149	$1,241,201
20	233	$19,404	$2,224	$17,180	$1,224,021
20	234	$19,404	$2,193	$17,211	$1,206,811
20	235	$19,404	$2,162	$17,242	$1,189,569
20	236	$19,404	$2,131	$17,272	$1,172,297
20	237	$19,404	$2,100	$17,303	$1,154,993
20	238	$19,404	$2,069	$17,334	$1,137,659
20	239	$19,404	$2,038	$17,365	$1,120,293
20	240	$19,404	$2,007	$17,397	$1,102,897
21	241	$19,404	$1,976	$17,428	$1,085,469
21	242	$19,404	$1,945	$17,459	$1,068,010
21	243	$19,404	$1,914	$17,490	$1,050,520
21	244	$19,404	$1,882	$17,522	$1,032,998
21	245	$19,404	$1,851	$17,553	$1,015,445
21	246	$19,404	$1,819	$17,584	$997,861
21	247	$19,404	$1,788	$17,616	$980,245
21	248	$19,404	$1,756	$17,647	$962,597
21	249	$19,404	$1,725	$17,679	$944,918
21	250	$19,404	$1,693	$17,711	$927,208
21	251	$19,404	$1,661	$17,743	$909,465
21	252	$19,404	$1,629	$17,774	$891,691
22	253	$19,404	$1,598	$17,806	$873,885
22	254	$19,404	$1,566	$17,838	$856,046
22	255	$19,404	$1,534	$17,870	$838,176
22	256	$19,404	$1,502	$17,902	$820,274
22	257	$19,404	$1,470	$17,934	$802,340
22	258	$19,404	$1,438	$17,966	$784,374
22	259	$19,404	$1,405	$17,998	$766,376
22	260	$19,404	$1,373	$18,031	$748,345
22	261	$19,404	$1,341	$18,063	$730,282
22	262	$19,404	$1,308	$18,095	$712,187
22	263	$19,404	$1,276	$18,128	$694,059
22	264	$19,404	$1,244	$18,160	$675,899
23	265	$19,404	$1,211	$18,193	$657,706
23	266	$19,404	$1,178	$18,225	$639,480
23	267	$19,404	$1,146	$18,258	$621,222
23	268	$19,404	$1,113	$18,291	$602,932
23	269	$19,404	$1,080	$18,324	$584,608
23	270	$19,404	$1,047	$18,356	$566,252
23	271	$19,404	$1,015	$18,389	$547,863
23	272	$19,404	$982	$18,422	$529,440
23	273	$19,404	$949	$18,455	$510,985
23	274	$19,404	$916	$18,488	$492,497
23	275	$19,404	$882	$18,521	$473,976
23	276	$19,404	$849	$18,555	$455,421
24	277	$19,404	$816	$18,588	$436,833
24	278	$19,404	$783	$18,621	$418,212
24	279	$19,404	$749	$18,654	$399,558
24	280	$19,404	$716	$18,688	$380,870
24	281	$19,404	$682	$18,721	$362,148
24	282	$19,404	$649	$18,755	$343,393
24	283	$19,404	$615	$18,789	$324,605
24	284	$19,404	$582	$18,822	$305,783
24	285	$19,404	$548	$18,856	$286,927
24	286	$19,404	$514	$18,890	$268,037
24	287	$19,404	$480	$18,924	$249,114
24	288	$19,404	$446	$18,957	$230,156
25	289	$19,404	$412	$18,991	$211,165
25	290	$19,404	$378	$19,025	$192,139
25	291	$19,404	$344	$19,060	$173,080
25	292	$19,404	$310	$19,094	$153,986
25	293	$19,404	$276	$19,128	$134,858
25	294	$19,404	$242	$19,162	$115,696
25	295	$19,404	$207	$19,196	$96,500
25	296	$19,404	$173	$19,231	$77,269
25	297	$19,404	$138	$19,265	$58,003
25	298	$19,404	$104	$19,300	$38,703
25	299	$19,404	$69	$19,334	$19,369
25	300	$19,404	$35	$19,369	$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$ 3,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,075,000

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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.