Century 21 Centaland Property

Down Payment (HKD)

$2,632,000

Monthly Repayment (HKD)

$17,024

Loan Amount (HKD)

$3,948,000

Total Interest (HKD)

$1,159,072

Total Repayment (HKD)

$5,107,072

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$17,024	$7,074	$9,950	$3,938,050
1	2	$17,024	$7,056	$9,968	$3,928,082
1	3	$17,024	$7,038	$9,986	$3,918,096
1	4	$17,024	$7,020	$10,004	$3,908,093
1	5	$17,024	$7,002	$10,022	$3,898,071
1	6	$17,024	$6,984	$10,040	$3,888,032
1	7	$17,024	$6,966	$10,058	$3,877,974
1	8	$17,024	$6,948	$10,076	$3,867,898
1	9	$17,024	$6,930	$10,094	$3,857,805
1	10	$17,024	$6,912	$10,112	$3,847,693
1	11	$17,024	$6,894	$10,130	$3,837,563
1	12	$17,024	$6,876	$10,148	$3,827,415
2	13	$17,024	$6,857	$10,166	$3,817,249
2	14	$17,024	$6,839	$10,184	$3,807,065
2	15	$17,024	$6,821	$10,203	$3,796,862
2	16	$17,024	$6,803	$10,221	$3,786,642
2	17	$17,024	$6,784	$10,239	$3,776,402
2	18	$17,024	$6,766	$10,258	$3,766,145
2	19	$17,024	$6,748	$10,276	$3,755,869
2	20	$17,024	$6,729	$10,294	$3,745,575
2	21	$17,024	$6,711	$10,313	$3,735,262
2	22	$17,024	$6,692	$10,331	$3,724,931
2	23	$17,024	$6,674	$10,350	$3,714,581
2	24	$17,024	$6,655	$10,368	$3,704,213
3	25	$17,024	$6,637	$10,387	$3,693,826
3	26	$17,024	$6,618	$10,405	$3,683,420
3	27	$17,024	$6,599	$10,424	$3,672,996
3	28	$17,024	$6,581	$10,443	$3,662,553
3	29	$17,024	$6,562	$10,462	$3,652,092
3	30	$17,024	$6,543	$10,480	$3,641,612
3	31	$17,024	$6,525	$10,499	$3,631,113
3	32	$17,024	$6,506	$10,518	$3,620,595
3	33	$17,024	$6,487	$10,537	$3,610,058
3	34	$17,024	$6,468	$10,556	$3,599,503
3	35	$17,024	$6,449	$10,574	$3,588,928
3	36	$17,024	$6,430	$10,593	$3,578,335
4	37	$17,024	$6,411	$10,612	$3,567,722
4	38	$17,024	$6,392	$10,631	$3,557,091
4	39	$17,024	$6,373	$10,650	$3,546,440
4	40	$17,024	$6,354	$10,670	$3,535,771
4	41	$17,024	$6,335	$10,689	$3,525,082
4	42	$17,024	$6,316	$10,708	$3,514,374
4	43	$17,024	$6,297	$10,727	$3,503,647
4	44	$17,024	$6,277	$10,746	$3,492,901
4	45	$17,024	$6,258	$10,765	$3,482,136
4	46	$17,024	$6,239	$10,785	$3,471,351
4	47	$17,024	$6,220	$10,804	$3,460,547
4	48	$17,024	$6,200	$10,823	$3,449,724
5	49	$17,024	$6,181	$10,843	$3,438,881
5	50	$17,024	$6,161	$10,862	$3,428,018
5	51	$17,024	$6,142	$10,882	$3,417,137
5	52	$17,024	$6,122	$10,901	$3,406,236
5	53	$17,024	$6,103	$10,921	$3,395,315
5	54	$17,024	$6,083	$10,940	$3,384,375
5	55	$17,024	$6,064	$10,960	$3,373,415
5	56	$17,024	$6,044	$10,980	$3,362,435
5	57	$17,024	$6,024	$10,999	$3,351,436
5	58	$17,024	$6,005	$11,019	$3,340,417
5	59	$17,024	$5,985	$11,039	$3,329,378
5	60	$17,024	$5,965	$11,058	$3,318,320
6	61	$17,024	$5,945	$11,078	$3,307,242
6	62	$17,024	$5,925	$11,098	$3,296,144
6	63	$17,024	$5,906	$11,118	$3,285,026
6	64	$17,024	$5,886	$11,138	$3,273,888
6	65	$17,024	$5,866	$11,158	$3,262,730
6	66	$17,024	$5,846	$11,178	$3,251,552
6	67	$17,024	$5,826	$11,198	$3,240,354
6	68	$17,024	$5,806	$11,218	$3,229,136
6	69	$17,024	$5,786	$11,238	$3,217,898
6	70	$17,024	$5,765	$11,258	$3,206,640
6	71	$17,024	$5,745	$11,278	$3,195,362
6	72	$17,024	$5,725	$11,299	$3,184,063
7	73	$17,024	$5,705	$11,319	$3,172,744
7	74	$17,024	$5,684	$11,339	$3,161,405
7	75	$17,024	$5,664	$11,359	$3,150,046
7	76	$17,024	$5,644	$11,380	$3,138,666
7	77	$17,024	$5,623	$11,400	$3,127,266
7	78	$17,024	$5,603	$11,421	$3,115,845
7	79	$17,024	$5,583	$11,441	$3,104,404
7	80	$17,024	$5,562	$11,462	$3,092,943
7	81	$17,024	$5,542	$11,482	$3,081,461
7	82	$17,024	$5,521	$11,503	$3,069,958
7	83	$17,024	$5,500	$11,523	$3,058,435
7	84	$17,024	$5,480	$11,544	$3,046,891
8	85	$17,024	$5,459	$11,565	$3,035,326
8	86	$17,024	$5,438	$11,585	$3,023,741
8	87	$17,024	$5,418	$11,606	$3,012,135
8	88	$17,024	$5,397	$11,627	$3,000,508
8	89	$17,024	$5,376	$11,648	$2,988,861
8	90	$17,024	$5,355	$11,669	$2,977,192
8	91	$17,024	$5,334	$11,689	$2,965,503
8	92	$17,024	$5,313	$11,710	$2,953,792
8	93	$17,024	$5,292	$11,731	$2,942,061
8	94	$17,024	$5,271	$11,752	$2,930,308
8	95	$17,024	$5,250	$11,773	$2,918,535
8	96	$17,024	$5,229	$11,795	$2,906,741
9	97	$17,024	$5,208	$11,816	$2,894,925
9	98	$17,024	$5,187	$11,837	$2,883,088
9	99	$17,024	$5,166	$11,858	$2,871,230
9	100	$17,024	$5,144	$11,879	$2,859,351
9	101	$17,024	$5,123	$11,901	$2,847,450
9	102	$17,024	$5,102	$11,922	$2,835,528
9	103	$17,024	$5,080	$11,943	$2,823,585
9	104	$17,024	$5,059	$11,965	$2,811,620
9	105	$17,024	$5,037	$11,986	$2,799,634
9	106	$17,024	$5,016	$12,008	$2,787,627
9	107	$17,024	$4,994	$12,029	$2,775,598
9	108	$17,024	$4,973	$12,051	$2,763,547
10	109	$17,024	$4,951	$12,072	$2,751,475
10	110	$17,024	$4,930	$12,094	$2,739,381
10	111	$17,024	$4,908	$12,116	$2,727,265
10	112	$17,024	$4,886	$12,137	$2,715,128
10	113	$17,024	$4,865	$12,159	$2,702,969
10	114	$17,024	$4,843	$12,181	$2,690,788
10	115	$17,024	$4,821	$12,203	$2,678,586
10	116	$17,024	$4,799	$12,224	$2,666,361
10	117	$17,024	$4,777	$12,246	$2,654,115
10	118	$17,024	$4,755	$12,268	$2,641,847
10	119	$17,024	$4,733	$12,290	$2,629,556
10	120	$17,024	$4,711	$12,312	$2,617,244
11	121	$17,024	$4,689	$12,334	$2,604,910
11	122	$17,024	$4,667	$12,356	$2,592,553
11	123	$17,024	$4,645	$12,379	$2,580,175
11	124	$17,024	$4,623	$12,401	$2,567,774
11	125	$17,024	$4,601	$12,423	$2,555,351
11	126	$17,024	$4,578	$12,445	$2,542,906
11	127	$17,024	$4,556	$12,468	$2,530,438
11	128	$17,024	$4,534	$12,490	$2,517,948
11	129	$17,024	$4,511	$12,512	$2,505,436
11	130	$17,024	$4,489	$12,535	$2,492,902
11	131	$17,024	$4,466	$12,557	$2,480,344
11	132	$17,024	$4,444	$12,580	$2,467,765
12	133	$17,024	$4,421	$12,602	$2,455,163
12	134	$17,024	$4,399	$12,625	$2,442,538
12	135	$17,024	$4,376	$12,647	$2,429,891
12	136	$17,024	$4,354	$12,670	$2,417,220
12	137	$17,024	$4,331	$12,693	$2,404,528
12	138	$17,024	$4,308	$12,715	$2,391,812
12	139	$17,024	$4,285	$12,738	$2,379,074
12	140	$17,024	$4,263	$12,761	$2,366,313
12	141	$17,024	$4,240	$12,784	$2,353,529
12	142	$17,024	$4,217	$12,807	$2,340,722
12	143	$17,024	$4,194	$12,830	$2,327,892
12	144	$17,024	$4,171	$12,853	$2,315,040
13	145	$17,024	$4,148	$12,876	$2,302,164
13	146	$17,024	$4,125	$12,899	$2,289,265
13	147	$17,024	$4,102	$12,922	$2,276,343
13	148	$17,024	$4,078	$12,945	$2,263,398
13	149	$17,024	$4,055	$12,968	$2,250,430
13	150	$17,024	$4,032	$12,992	$2,237,438
13	151	$17,024	$4,009	$13,015	$2,224,423
13	152	$17,024	$3,985	$13,038	$2,211,385
13	153	$17,024	$3,962	$13,062	$2,198,324
13	154	$17,024	$3,939	$13,085	$2,185,239
13	155	$17,024	$3,915	$13,108	$2,172,130
13	156	$17,024	$3,892	$13,132	$2,158,998
14	157	$17,024	$3,868	$13,155	$2,145,843
14	158	$17,024	$3,845	$13,179	$2,132,664
14	159	$17,024	$3,821	$13,203	$2,119,462
14	160	$17,024	$3,797	$13,226	$2,106,235
14	161	$17,024	$3,774	$13,250	$2,092,985
14	162	$17,024	$3,750	$13,274	$2,079,712
14	163	$17,024	$3,726	$13,297	$2,066,414
14	164	$17,024	$3,702	$13,321	$2,053,093
14	165	$17,024	$3,678	$13,345	$2,039,748
14	166	$17,024	$3,655	$13,369	$2,026,379
14	167	$17,024	$3,631	$13,393	$2,012,986
14	168	$17,024	$3,607	$13,417	$1,999,569
15	169	$17,024	$3,583	$13,441	$1,986,128
15	170	$17,024	$3,558	$13,465	$1,972,663
15	171	$17,024	$3,534	$13,489	$1,959,174
15	172	$17,024	$3,510	$13,513	$1,945,660
15	173	$17,024	$3,486	$13,538	$1,932,123
15	174	$17,024	$3,462	$13,562	$1,918,561
15	175	$17,024	$3,437	$13,586	$1,904,975
15	176	$17,024	$3,413	$13,610	$1,891,364
15	177	$17,024	$3,389	$13,635	$1,877,729
15	178	$17,024	$3,364	$13,659	$1,864,070
15	179	$17,024	$3,340	$13,684	$1,850,386
15	180	$17,024	$3,315	$13,708	$1,836,678
16	181	$17,024	$3,291	$13,733	$1,822,945
16	182	$17,024	$3,266	$13,757	$1,809,188
16	183	$17,024	$3,241	$13,782	$1,795,406
16	184	$17,024	$3,217	$13,807	$1,781,599
16	185	$17,024	$3,192	$13,832	$1,767,767
16	186	$17,024	$3,167	$13,856	$1,753,911
16	187	$17,024	$3,142	$13,881	$1,740,030
16	188	$17,024	$3,118	$13,906	$1,726,124
16	189	$17,024	$3,093	$13,931	$1,712,193
16	190	$17,024	$3,068	$13,956	$1,698,237
16	191	$17,024	$3,043	$13,981	$1,684,256
16	192	$17,024	$3,018	$14,006	$1,670,250
17	193	$17,024	$2,993	$14,031	$1,656,219
17	194	$17,024	$2,967	$14,056	$1,642,163
17	195	$17,024	$2,942	$14,081	$1,628,081
17	196	$17,024	$2,917	$14,107	$1,613,975
17	197	$17,024	$2,892	$14,132	$1,599,843
17	198	$17,024	$2,866	$14,157	$1,585,686
17	199	$17,024	$2,841	$14,183	$1,571,503
17	200	$17,024	$2,816	$14,208	$1,557,295
17	201	$17,024	$2,790	$14,233	$1,543,062
17	202	$17,024	$2,765	$14,259	$1,528,803
17	203	$17,024	$2,739	$14,284	$1,514,518
17	204	$17,024	$2,714	$14,310	$1,500,208
18	205	$17,024	$2,688	$14,336	$1,485,873
18	206	$17,024	$2,662	$14,361	$1,471,511
18	207	$17,024	$2,636	$14,387	$1,457,124
18	208	$17,024	$2,611	$14,413	$1,442,711
18	209	$17,024	$2,585	$14,439	$1,428,273
18	210	$17,024	$2,559	$14,465	$1,413,808
18	211	$17,024	$2,533	$14,491	$1,399,317
18	212	$17,024	$2,507	$14,516	$1,384,801
18	213	$17,024	$2,481	$14,542	$1,370,259
18	214	$17,024	$2,455	$14,569	$1,355,690
18	215	$17,024	$2,429	$14,595	$1,341,095
18	216	$17,024	$2,403	$14,621	$1,326,475
19	217	$17,024	$2,377	$14,647	$1,311,828
19	218	$17,024	$2,350	$14,673	$1,297,154
19	219	$17,024	$2,324	$14,700	$1,282,455
19	220	$17,024	$2,298	$14,726	$1,267,729
19	221	$17,024	$2,271	$14,752	$1,252,977
19	222	$17,024	$2,245	$14,779	$1,238,198
19	223	$17,024	$2,218	$14,805	$1,223,393
19	224	$17,024	$2,192	$14,832	$1,208,561
19	225	$17,024	$2,165	$14,858	$1,193,703
19	226	$17,024	$2,139	$14,885	$1,178,818
19	227	$17,024	$2,112	$14,912	$1,163,907
19	228	$17,024	$2,085	$14,938	$1,148,968
20	229	$17,024	$2,059	$14,965	$1,134,003
20	230	$17,024	$2,032	$14,992	$1,119,012
20	231	$17,024	$2,005	$15,019	$1,103,993
20	232	$17,024	$1,978	$15,046	$1,088,947
20	233	$17,024	$1,951	$15,073	$1,073,875
20	234	$17,024	$1,924	$15,100	$1,058,775
20	235	$17,024	$1,897	$15,127	$1,043,649
20	236	$17,024	$1,870	$15,154	$1,028,495
20	237	$17,024	$1,843	$15,181	$1,013,314
20	238	$17,024	$1,816	$15,208	$998,106
20	239	$17,024	$1,788	$15,235	$982,871
20	240	$17,024	$1,761	$15,263	$967,608
21	241	$17,024	$1,734	$15,290	$952,318
21	242	$17,024	$1,706	$15,317	$937,001
21	243	$17,024	$1,679	$15,345	$921,656
21	244	$17,024	$1,651	$15,372	$906,284
21	245	$17,024	$1,624	$15,400	$890,884
21	246	$17,024	$1,596	$15,427	$875,457
21	247	$17,024	$1,569	$15,455	$860,002
21	248	$17,024	$1,541	$15,483	$844,519
21	249	$17,024	$1,513	$15,510	$829,008
21	250	$17,024	$1,485	$15,538	$813,470
21	251	$17,024	$1,457	$15,566	$797,904
21	252	$17,024	$1,430	$15,594	$782,310
22	253	$17,024	$1,402	$15,622	$766,688
22	254	$17,024	$1,374	$15,650	$751,038
22	255	$17,024	$1,346	$15,678	$735,360
22	256	$17,024	$1,318	$15,706	$719,654
22	257	$17,024	$1,289	$15,734	$703,920
22	258	$17,024	$1,261	$15,762	$688,158
22	259	$17,024	$1,233	$15,791	$672,367
22	260	$17,024	$1,205	$15,819	$656,548
22	261	$17,024	$1,176	$15,847	$640,701
22	262	$17,024	$1,148	$15,876	$624,825
22	263	$17,024	$1,119	$15,904	$608,921
22	264	$17,024	$1,091	$15,933	$592,988
23	265	$17,024	$1,062	$15,961	$577,027
23	266	$17,024	$1,034	$15,990	$561,038
23	267	$17,024	$1,005	$16,018	$545,019
23	268	$17,024	$976	$16,047	$528,972
23	269	$17,024	$948	$16,076	$512,896
23	270	$17,024	$919	$16,105	$496,792
23	271	$17,024	$890	$16,133	$480,658
23	272	$17,024	$861	$16,162	$464,496
23	273	$17,024	$832	$16,191	$448,304
23	274	$17,024	$803	$16,220	$432,084
23	275	$17,024	$774	$16,249	$415,835
23	276	$17,024	$745	$16,279	$399,556
24	277	$17,024	$716	$16,308	$383,248
24	278	$17,024	$687	$16,337	$366,911
24	279	$17,024	$657	$16,366	$350,545
24	280	$17,024	$628	$16,396	$334,150
24	281	$17,024	$599	$16,425	$317,725
24	282	$17,024	$569	$16,454	$301,270
24	283	$17,024	$540	$16,484	$284,787
24	284	$17,024	$510	$16,513	$268,273
24	285	$17,024	$481	$16,543	$251,730
24	286	$17,024	$451	$16,573	$235,158
24	287	$17,024	$421	$16,602	$218,556
24	288	$17,024	$392	$16,632	$201,924
25	289	$17,024	$362	$16,662	$185,262
25	290	$17,024	$332	$16,692	$168,570
25	291	$17,024	$302	$16,722	$151,849
25	292	$17,024	$272	$16,752	$135,097
25	293	$17,024	$242	$16,782	$118,316
25	294	$17,024	$212	$16,812	$101,504
25	295	$17,024	$182	$16,842	$84,662
25	296	$17,024	$152	$16,872	$67,790
25	297	$17,024	$121	$16,902	$50,888
25	298	$17,024	$91	$16,932	$33,956
25	299	$17,024	$61	$16,963	$16,993
25	300	$17,024	$30	$16,993	$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$ 2,632,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 2,697,800

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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.