Century 21 Centaland Property

Down Payment (HKD)

$6,320,000

Monthly Repayment (HKD)

$40,877

Loan Amount (HKD)

$9,480,000

Total Interest (HKD)

$2,783,183

Total Repayment (HKD)

$12,263,183

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$40,877	$16,985	$23,892	$9,456,108
1	2	$40,877	$16,942	$23,935	$9,432,173
1	3	$40,877	$16,899	$23,978	$9,408,195
1	4	$40,877	$16,856	$24,021	$9,384,174
1	5	$40,877	$16,813	$24,064	$9,360,110
1	6	$40,877	$16,770	$24,107	$9,336,003
1	7	$40,877	$16,727	$24,150	$9,311,852
1	8	$40,877	$16,684	$24,194	$9,287,659
1	9	$40,877	$16,640	$24,237	$9,263,422
1	10	$40,877	$16,597	$24,280	$9,239,142
1	11	$40,877	$16,553	$24,324	$9,214,818
1	12	$40,877	$16,510	$24,367	$9,190,450
2	13	$40,877	$16,466	$24,411	$9,166,039
2	14	$40,877	$16,422	$24,455	$9,141,585
2	15	$40,877	$16,379	$24,499	$9,117,086
2	16	$40,877	$16,335	$24,542	$9,092,544
2	17	$40,877	$16,291	$24,586	$9,067,957
2	18	$40,877	$16,247	$24,631	$9,043,327
2	19	$40,877	$16,203	$24,675	$9,018,652
2	20	$40,877	$16,158	$24,719	$8,993,933
2	21	$40,877	$16,114	$24,763	$8,969,170
2	22	$40,877	$16,070	$24,808	$8,944,362
2	23	$40,877	$16,025	$24,852	$8,919,510
2	24	$40,877	$15,981	$24,896	$8,894,614
3	25	$40,877	$15,936	$24,941	$8,869,673
3	26	$40,877	$15,891	$24,986	$8,844,687
3	27	$40,877	$15,847	$25,031	$8,819,656
3	28	$40,877	$15,802	$25,075	$8,794,581
3	29	$40,877	$15,757	$25,120	$8,769,461
3	30	$40,877	$15,712	$25,165	$8,744,295
3	31	$40,877	$15,667	$25,210	$8,719,085
3	32	$40,877	$15,622	$25,256	$8,693,829
3	33	$40,877	$15,576	$25,301	$8,668,529
3	34	$40,877	$15,531	$25,346	$8,643,182
3	35	$40,877	$15,486	$25,392	$8,617,791
3	36	$40,877	$15,440	$25,437	$8,592,354
4	37	$40,877	$15,395	$25,483	$8,566,871
4	38	$40,877	$15,349	$25,528	$8,541,343
4	39	$40,877	$15,303	$25,574	$8,515,769
4	40	$40,877	$15,257	$25,620	$8,490,149
4	41	$40,877	$15,212	$25,666	$8,464,483
4	42	$40,877	$15,166	$25,712	$8,438,771
4	43	$40,877	$15,119	$25,758	$8,413,014
4	44	$40,877	$15,073	$25,804	$8,387,210
4	45	$40,877	$15,027	$25,850	$8,361,360
4	46	$40,877	$14,981	$25,897	$8,335,463
4	47	$40,877	$14,934	$25,943	$8,309,520
4	48	$40,877	$14,888	$25,989	$8,283,531
5	49	$40,877	$14,841	$26,036	$8,257,495
5	50	$40,877	$14,795	$26,083	$8,231,412
5	51	$40,877	$14,748	$26,129	$8,205,283
5	52	$40,877	$14,701	$26,176	$8,179,107
5	53	$40,877	$14,654	$26,223	$8,152,884
5	54	$40,877	$14,607	$26,270	$8,126,614
5	55	$40,877	$14,560	$26,317	$8,100,297
5	56	$40,877	$14,513	$26,364	$8,073,932
5	57	$40,877	$14,466	$26,411	$8,047,521
5	58	$40,877	$14,418	$26,459	$8,021,062
5	59	$40,877	$14,371	$26,506	$7,994,556
5	60	$40,877	$14,324	$26,554	$7,968,002
6	61	$40,877	$14,276	$26,601	$7,941,401
6	62	$40,877	$14,228	$26,649	$7,914,752
6	63	$40,877	$14,181	$26,697	$7,888,055
6	64	$40,877	$14,133	$26,745	$7,861,311
6	65	$40,877	$14,085	$26,792	$7,834,518
6	66	$40,877	$14,037	$26,840	$7,807,678
6	67	$40,877	$13,989	$26,889	$7,780,789
6	68	$40,877	$13,941	$26,937	$7,753,853
6	69	$40,877	$13,892	$26,985	$7,726,868
6	70	$40,877	$13,844	$27,033	$7,699,834
6	71	$40,877	$13,796	$27,082	$7,672,753
6	72	$40,877	$13,747	$27,130	$7,645,622
7	73	$40,877	$13,698	$27,179	$7,618,443
7	74	$40,877	$13,650	$27,228	$7,591,216
7	75	$40,877	$13,601	$27,276	$7,563,940
7	76	$40,877	$13,552	$27,325	$7,536,614
7	77	$40,877	$13,503	$27,374	$7,509,240
7	78	$40,877	$13,454	$27,423	$7,481,817
7	79	$40,877	$13,405	$27,472	$7,454,345
7	80	$40,877	$13,356	$27,522	$7,426,823
7	81	$40,877	$13,306	$27,571	$7,399,252
7	82	$40,877	$13,257	$27,620	$7,371,632
7	83	$40,877	$13,208	$27,670	$7,343,962
7	84	$40,877	$13,158	$27,719	$7,316,243
8	85	$40,877	$13,108	$27,769	$7,288,474
8	86	$40,877	$13,059	$27,819	$7,260,655
8	87	$40,877	$13,009	$27,869	$7,232,786
8	88	$40,877	$12,959	$27,919	$7,204,868
8	89	$40,877	$12,909	$27,969	$7,176,899
8	90	$40,877	$12,859	$28,019	$7,148,881
8	91	$40,877	$12,808	$28,069	$7,120,812
8	92	$40,877	$12,758	$28,119	$7,092,693
8	93	$40,877	$12,708	$28,170	$7,064,523
8	94	$40,877	$12,657	$28,220	$7,036,303
8	95	$40,877	$12,607	$28,271	$7,008,032
8	96	$40,877	$12,556	$28,321	$6,979,711
9	97	$40,877	$12,505	$28,372	$6,951,339
9	98	$40,877	$12,454	$28,423	$6,922,916
9	99	$40,877	$12,404	$28,474	$6,894,443
9	100	$40,877	$12,353	$28,525	$6,865,918
9	101	$40,877	$12,301	$28,576	$6,837,342
9	102	$40,877	$12,250	$28,627	$6,808,715
9	103	$40,877	$12,199	$28,678	$6,780,037
9	104	$40,877	$12,148	$28,730	$6,751,307
9	105	$40,877	$12,096	$28,781	$6,722,526
9	106	$40,877	$12,045	$28,833	$6,693,693
9	107	$40,877	$11,993	$28,884	$6,664,809
9	108	$40,877	$11,941	$28,936	$6,635,873
10	109	$40,877	$11,889	$28,988	$6,606,885
10	110	$40,877	$11,837	$29,040	$6,577,845
10	111	$40,877	$11,785	$29,092	$6,548,753
10	112	$40,877	$11,733	$29,144	$6,519,609
10	113	$40,877	$11,681	$29,196	$6,490,412
10	114	$40,877	$11,629	$29,249	$6,461,164
10	115	$40,877	$11,576	$29,301	$6,431,863
10	116	$40,877	$11,524	$29,354	$6,402,509
10	117	$40,877	$11,471	$29,406	$6,373,103
10	118	$40,877	$11,418	$29,459	$6,343,644
10	119	$40,877	$11,366	$29,512	$6,314,133
10	120	$40,877	$11,313	$29,564	$6,284,568
11	121	$40,877	$11,260	$29,617	$6,254,951
11	122	$40,877	$11,207	$29,670	$6,225,280
11	123	$40,877	$11,154	$29,724	$6,195,557
11	124	$40,877	$11,100	$29,777	$6,165,780
11	125	$40,877	$11,047	$29,830	$6,135,949
11	126	$40,877	$10,994	$29,884	$6,106,066
11	127	$40,877	$10,940	$29,937	$6,076,128
11	128	$40,877	$10,886	$29,991	$6,046,138
11	129	$40,877	$10,833	$30,045	$6,016,093
11	130	$40,877	$10,779	$30,098	$5,985,995
11	131	$40,877	$10,725	$30,152	$5,955,842
11	132	$40,877	$10,671	$30,206	$5,925,636
12	133	$40,877	$10,617	$30,261	$5,895,375
12	134	$40,877	$10,563	$30,315	$5,865,061
12	135	$40,877	$10,508	$30,369	$5,834,691
12	136	$40,877	$10,454	$30,423	$5,804,268
12	137	$40,877	$10,399	$30,478	$5,773,790
12	138	$40,877	$10,345	$30,533	$5,743,258
12	139	$40,877	$10,290	$30,587	$5,712,670
12	140	$40,877	$10,235	$30,642	$5,682,028
12	141	$40,877	$10,180	$30,697	$5,651,331
12	142	$40,877	$10,125	$30,752	$5,620,579
12	143	$40,877	$10,070	$30,807	$5,589,772
12	144	$40,877	$10,015	$30,862	$5,558,910
13	145	$40,877	$9,960	$30,918	$5,527,992
13	146	$40,877	$9,904	$30,973	$5,497,019
13	147	$40,877	$9,849	$31,028	$5,465,991
13	148	$40,877	$9,793	$31,084	$5,434,907
13	149	$40,877	$9,738	$31,140	$5,403,767
13	150	$40,877	$9,682	$31,196	$5,372,572
13	151	$40,877	$9,626	$31,251	$5,341,320
13	152	$40,877	$9,570	$31,307	$5,310,013
13	153	$40,877	$9,514	$31,364	$5,278,649
13	154	$40,877	$9,458	$31,420	$5,247,230
13	155	$40,877	$9,401	$31,476	$5,215,754
13	156	$40,877	$9,345	$31,532	$5,184,221
14	157	$40,877	$9,288	$31,589	$5,152,632
14	158	$40,877	$9,232	$31,645	$5,120,987
14	159	$40,877	$9,175	$31,702	$5,089,285
14	160	$40,877	$9,118	$31,759	$5,057,526
14	161	$40,877	$9,061	$31,816	$5,025,710
14	162	$40,877	$9,004	$31,873	$4,993,837
14	163	$40,877	$8,947	$31,930	$4,961,907
14	164	$40,877	$8,890	$31,987	$4,929,920
14	165	$40,877	$8,833	$32,045	$4,897,875
14	166	$40,877	$8,775	$32,102	$4,865,773
14	167	$40,877	$8,718	$32,159	$4,833,614
14	168	$40,877	$8,660	$32,217	$4,801,397
15	169	$40,877	$8,603	$32,275	$4,769,122
15	170	$40,877	$8,545	$32,333	$4,736,789
15	171	$40,877	$8,487	$32,391	$4,704,399
15	172	$40,877	$8,429	$32,449	$4,671,950
15	173	$40,877	$8,371	$32,507	$4,639,444
15	174	$40,877	$8,312	$32,565	$4,606,879
15	175	$40,877	$8,254	$32,623	$4,574,255
15	176	$40,877	$8,196	$32,682	$4,541,574
15	177	$40,877	$8,137	$32,740	$4,508,833
15	178	$40,877	$8,078	$32,799	$4,476,034
15	179	$40,877	$8,020	$32,858	$4,443,177
15	180	$40,877	$7,961	$32,917	$4,410,260
16	181	$40,877	$7,902	$32,976	$4,377,285
16	182	$40,877	$7,843	$33,035	$4,344,250
16	183	$40,877	$7,783	$33,094	$4,311,156
16	184	$40,877	$7,724	$33,153	$4,278,003
16	185	$40,877	$7,665	$33,213	$4,244,790
16	186	$40,877	$7,605	$33,272	$4,211,518
16	187	$40,877	$7,546	$33,332	$4,178,187
16	188	$40,877	$7,486	$33,391	$4,144,795
16	189	$40,877	$7,426	$33,451	$4,111,344
16	190	$40,877	$7,366	$33,511	$4,077,833
16	191	$40,877	$7,306	$33,571	$4,044,262
16	192	$40,877	$7,246	$33,631	$4,010,631
17	193	$40,877	$7,186	$33,692	$3,976,939
17	194	$40,877	$7,125	$33,752	$3,943,187
17	195	$40,877	$7,065	$33,812	$3,909,375
17	196	$40,877	$7,004	$33,873	$3,875,502
17	197	$40,877	$6,944	$33,934	$3,841,568
17	198	$40,877	$6,883	$33,994	$3,807,574
17	199	$40,877	$6,822	$34,055	$3,773,518
17	200	$40,877	$6,761	$34,116	$3,739,402
17	201	$40,877	$6,700	$34,178	$3,705,224
17	202	$40,877	$6,639	$34,239	$3,670,986
17	203	$40,877	$6,577	$34,300	$3,636,686
17	204	$40,877	$6,516	$34,362	$3,602,324
18	205	$40,877	$6,454	$34,423	$3,567,901
18	206	$40,877	$6,392	$34,485	$3,533,416
18	207	$40,877	$6,331	$34,547	$3,498,870
18	208	$40,877	$6,269	$34,608	$3,464,261
18	209	$40,877	$6,207	$34,670	$3,429,591
18	210	$40,877	$6,145	$34,733	$3,394,858
18	211	$40,877	$6,082	$34,795	$3,360,063
18	212	$40,877	$6,020	$34,857	$3,325,206
18	213	$40,877	$5,958	$34,920	$3,290,286
18	214	$40,877	$5,895	$34,982	$3,255,304
18	215	$40,877	$5,832	$35,045	$3,220,259
18	216	$40,877	$5,770	$35,108	$3,185,152
19	217	$40,877	$5,707	$35,171	$3,149,981
19	218	$40,877	$5,644	$35,234	$3,114,748
19	219	$40,877	$5,581	$35,297	$3,079,451
19	220	$40,877	$5,517	$35,360	$3,044,091
19	221	$40,877	$5,454	$35,423	$3,008,668
19	222	$40,877	$5,391	$35,487	$2,973,181
19	223	$40,877	$5,327	$35,550	$2,937,631
19	224	$40,877	$5,263	$35,614	$2,902,017
19	225	$40,877	$5,199	$35,678	$2,866,339
19	226	$40,877	$5,136	$35,742	$2,830,597
19	227	$40,877	$5,071	$35,806	$2,794,791
19	228	$40,877	$5,007	$35,870	$2,758,921
20	229	$40,877	$4,943	$35,934	$2,722,987
20	230	$40,877	$4,879	$35,999	$2,686,988
20	231	$40,877	$4,814	$36,063	$2,650,925
20	232	$40,877	$4,750	$36,128	$2,614,798
20	233	$40,877	$4,685	$36,192	$2,578,605
20	234	$40,877	$4,620	$36,257	$2,542,348
20	235	$40,877	$4,555	$36,322	$2,506,026
20	236	$40,877	$4,490	$36,387	$2,469,638
20	237	$40,877	$4,425	$36,453	$2,433,186
20	238	$40,877	$4,359	$36,518	$2,396,668
20	239	$40,877	$4,294	$36,583	$2,360,085
20	240	$40,877	$4,228	$36,649	$2,323,436
21	241	$40,877	$4,163	$36,714	$2,286,722
21	242	$40,877	$4,097	$36,780	$2,249,941
21	243	$40,877	$4,031	$36,846	$2,213,095
21	244	$40,877	$3,965	$36,912	$2,176,183
21	245	$40,877	$3,899	$36,978	$2,139,205
21	246	$40,877	$3,833	$37,045	$2,102,160
21	247	$40,877	$3,766	$37,111	$2,065,049
21	248	$40,877	$3,700	$37,177	$2,027,872
21	249	$40,877	$3,633	$37,244	$1,990,628
21	250	$40,877	$3,567	$37,311	$1,953,317
21	251	$40,877	$3,500	$37,378	$1,915,940
21	252	$40,877	$3,433	$37,445	$1,878,495
22	253	$40,877	$3,366	$37,512	$1,840,983
22	254	$40,877	$3,298	$37,579	$1,803,405
22	255	$40,877	$3,231	$37,646	$1,765,758
22	256	$40,877	$3,164	$37,714	$1,728,045
22	257	$40,877	$3,096	$37,781	$1,690,264
22	258	$40,877	$3,028	$37,849	$1,652,415
22	259	$40,877	$2,961	$37,917	$1,614,498
22	260	$40,877	$2,893	$37,985	$1,576,513
22	261	$40,877	$2,825	$38,053	$1,538,461
22	262	$40,877	$2,756	$38,121	$1,500,340
22	263	$40,877	$2,688	$38,189	$1,462,151
22	264	$40,877	$2,620	$38,258	$1,423,893
23	265	$40,877	$2,551	$38,326	$1,385,567
23	266	$40,877	$2,482	$38,395	$1,347,172
23	267	$40,877	$2,414	$38,464	$1,308,709
23	268	$40,877	$2,345	$38,533	$1,270,176
23	269	$40,877	$2,276	$38,602	$1,231,574
23	270	$40,877	$2,207	$38,671	$1,192,904
23	271	$40,877	$2,137	$38,740	$1,154,164
23	272	$40,877	$2,068	$38,809	$1,115,354
23	273	$40,877	$1,998	$38,879	$1,076,475
23	274	$40,877	$1,929	$38,949	$1,037,527
23	275	$40,877	$1,859	$39,018	$998,508
23	276	$40,877	$1,789	$39,088	$959,420
24	277	$40,877	$1,719	$39,158	$920,262
24	278	$40,877	$1,649	$39,228	$881,033
24	279	$40,877	$1,579	$39,299	$841,735
24	280	$40,877	$1,508	$39,369	$802,365
24	281	$40,877	$1,438	$39,440	$762,926
24	282	$40,877	$1,367	$39,510	$723,415
24	283	$40,877	$1,296	$39,581	$683,834
24	284	$40,877	$1,225	$39,652	$644,182
24	285	$40,877	$1,154	$39,723	$604,459
24	286	$40,877	$1,083	$39,794	$564,665
24	287	$40,877	$1,012	$39,866	$524,799
24	288	$40,877	$940	$39,937	$484,862
25	289	$40,877	$869	$40,009	$444,854
25	290	$40,877	$797	$40,080	$404,773
25	291	$40,877	$725	$40,152	$364,621
25	292	$40,877	$653	$40,224	$324,397
25	293	$40,877	$581	$40,296	$284,101
25	294	$40,877	$509	$40,368	$243,733
25	295	$40,877	$437	$40,441	$203,292
25	296	$40,877	$364	$40,513	$162,779
25	297	$40,877	$292	$40,586	$122,194
25	298	$40,877	$219	$40,658	$81,535
25	299	$40,877	$146	$40,731	$40,804
25	300	$40,877	$73	$40,804	$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$ 6,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 6,478,000

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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.