Century 21 Centaland Property

Down Payment (HKD)

$3,320,000

Monthly Repayment (HKD)

$21,474

Loan Amount (HKD)

$4,980,000

Total Interest (HKD)

$1,462,052

Total Repayment (HKD)

$6,442,052

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$21,474	$8,923	$12,551	$4,967,449
1	2	$21,474	$8,900	$12,573	$4,954,876
1	3	$21,474	$8,877	$12,596	$4,942,279
1	4	$21,474	$8,855	$12,619	$4,929,661
1	5	$21,474	$8,832	$12,641	$4,917,020
1	6	$21,474	$8,810	$12,664	$4,904,356
1	7	$21,474	$8,787	$12,687	$4,891,669
1	8	$21,474	$8,764	$12,709	$4,878,960
1	9	$21,474	$8,741	$12,732	$4,866,228
1	10	$21,474	$8,719	$12,755	$4,853,473
1	11	$21,474	$8,696	$12,778	$4,840,695
1	12	$21,474	$8,673	$12,801	$4,827,895
2	13	$21,474	$8,650	$12,824	$4,815,071
2	14	$21,474	$8,627	$12,847	$4,802,225
2	15	$21,474	$8,604	$12,870	$4,789,355
2	16	$21,474	$8,581	$12,893	$4,776,463
2	17	$21,474	$8,558	$12,916	$4,763,547
2	18	$21,474	$8,535	$12,939	$4,750,608
2	19	$21,474	$8,512	$12,962	$4,737,646
2	20	$21,474	$8,488	$12,985	$4,724,661
2	21	$21,474	$8,465	$13,008	$4,711,653
2	22	$21,474	$8,442	$13,032	$4,698,621
2	23	$21,474	$8,418	$13,055	$4,685,566
2	24	$21,474	$8,395	$13,079	$4,672,487
3	25	$21,474	$8,372	$13,102	$4,659,385
3	26	$21,474	$8,348	$13,125	$4,646,260
3	27	$21,474	$8,325	$13,149	$4,633,111
3	28	$21,474	$8,301	$13,173	$4,619,938
3	29	$21,474	$8,277	$13,196	$4,606,742
3	30	$21,474	$8,254	$13,220	$4,593,522
3	31	$21,474	$8,230	$13,243	$4,580,279
3	32	$21,474	$8,206	$13,267	$4,567,012
3	33	$21,474	$8,183	$13,291	$4,553,721
3	34	$21,474	$8,159	$13,315	$4,540,406
3	35	$21,474	$8,135	$13,339	$4,527,067
3	36	$21,474	$8,111	$13,363	$4,513,705
4	37	$21,474	$8,087	$13,386	$4,500,318
4	38	$21,474	$8,063	$13,410	$4,486,908
4	39	$21,474	$8,039	$13,434	$4,473,474
4	40	$21,474	$8,015	$13,459	$4,460,015
4	41	$21,474	$7,991	$13,483	$4,446,532
4	42	$21,474	$7,967	$13,507	$4,433,026
4	43	$21,474	$7,943	$13,531	$4,419,495
4	44	$21,474	$7,918	$13,555	$4,405,939
4	45	$21,474	$7,894	$13,580	$4,392,360
4	46	$21,474	$7,870	$13,604	$4,378,756
4	47	$21,474	$7,845	$13,628	$4,365,128
4	48	$21,474	$7,821	$13,653	$4,351,475
5	49	$21,474	$7,796	$13,677	$4,337,798
5	50	$21,474	$7,772	$13,702	$4,324,096
5	51	$21,474	$7,747	$13,726	$4,310,370
5	52	$21,474	$7,723	$13,751	$4,296,619
5	53	$21,474	$7,698	$13,775	$4,282,844
5	54	$21,474	$7,673	$13,800	$4,269,044
5	55	$21,474	$7,649	$13,825	$4,255,219
5	56	$21,474	$7,624	$13,850	$4,241,369
5	57	$21,474	$7,599	$13,874	$4,227,495
5	58	$21,474	$7,574	$13,899	$4,213,596
5	59	$21,474	$7,549	$13,924	$4,199,672
5	60	$21,474	$7,524	$13,949	$4,185,723
6	61	$21,474	$7,499	$13,974	$4,171,749
6	62	$21,474	$7,474	$13,999	$4,157,749
6	63	$21,474	$7,449	$14,024	$4,143,725
6	64	$21,474	$7,424	$14,049	$4,129,676
6	65	$21,474	$7,399	$14,075	$4,115,601
6	66	$21,474	$7,374	$14,100	$4,101,502
6	67	$21,474	$7,349	$14,125	$4,087,377
6	68	$21,474	$7,323	$14,150	$4,073,226
6	69	$21,474	$7,298	$14,176	$4,059,051
6	70	$21,474	$7,272	$14,201	$4,044,850
6	71	$21,474	$7,247	$14,226	$4,030,623
6	72	$21,474	$7,222	$14,252	$4,016,371
7	73	$21,474	$7,196	$14,278	$4,002,094
7	74	$21,474	$7,170	$14,303	$3,987,791
7	75	$21,474	$7,145	$14,329	$3,973,462
7	76	$21,474	$7,119	$14,354	$3,959,108
7	77	$21,474	$7,093	$14,380	$3,944,727
7	78	$21,474	$7,068	$14,406	$3,930,322
7	79	$21,474	$7,042	$14,432	$3,915,890
7	80	$21,474	$7,016	$14,458	$3,901,432
7	81	$21,474	$6,990	$14,483	$3,886,949
7	82	$21,474	$6,964	$14,509	$3,872,440
7	83	$21,474	$6,938	$14,535	$3,857,904
7	84	$21,474	$6,912	$14,561	$3,843,343
8	85	$21,474	$6,886	$14,588	$3,828,755
8	86	$21,474	$6,860	$14,614	$3,814,142
8	87	$21,474	$6,834	$14,640	$3,799,502
8	88	$21,474	$6,807	$14,666	$3,784,836
8	89	$21,474	$6,781	$14,692	$3,770,143
8	90	$21,474	$6,755	$14,719	$3,755,425
8	91	$21,474	$6,728	$14,745	$3,740,680
8	92	$21,474	$6,702	$14,771	$3,725,908
8	93	$21,474	$6,676	$14,798	$3,711,110
8	94	$21,474	$6,649	$14,824	$3,696,286
8	95	$21,474	$6,623	$14,851	$3,681,435
8	96	$21,474	$6,596	$14,878	$3,666,557
9	97	$21,474	$6,569	$14,904	$3,651,653
9	98	$21,474	$6,543	$14,931	$3,636,722
9	99	$21,474	$6,516	$14,958	$3,621,764
9	100	$21,474	$6,489	$14,985	$3,606,780
9	101	$21,474	$6,462	$15,011	$3,591,768
9	102	$21,474	$6,435	$15,038	$3,576,730
9	103	$21,474	$6,408	$15,065	$3,561,665
9	104	$21,474	$6,381	$15,092	$3,546,573
9	105	$21,474	$6,354	$15,119	$3,531,453
9	106	$21,474	$6,327	$15,146	$3,516,307
9	107	$21,474	$6,300	$15,173	$3,501,134
9	108	$21,474	$6,273	$15,201	$3,485,933
10	109	$21,474	$6,246	$15,228	$3,470,705
10	110	$21,474	$6,218	$15,255	$3,455,450
10	111	$21,474	$6,191	$15,282	$3,440,168
10	112	$21,474	$6,164	$15,310	$3,424,858
10	113	$21,474	$6,136	$15,337	$3,409,520
10	114	$21,474	$6,109	$15,365	$3,394,156
10	115	$21,474	$6,081	$15,392	$3,378,763
10	116	$21,474	$6,054	$15,420	$3,363,343
10	117	$21,474	$6,026	$15,448	$3,347,896
10	118	$21,474	$5,998	$15,475	$3,332,421
10	119	$21,474	$5,971	$15,503	$3,316,918
10	120	$21,474	$5,943	$15,531	$3,301,387
11	121	$21,474	$5,915	$15,559	$3,285,829
11	122	$21,474	$5,887	$15,586	$3,270,242
11	123	$21,474	$5,859	$15,614	$3,254,628
11	124	$21,474	$5,831	$15,642	$3,238,986
11	125	$21,474	$5,803	$15,670	$3,223,315
11	126	$21,474	$5,775	$15,698	$3,207,617
11	127	$21,474	$5,747	$15,727	$3,191,890
11	128	$21,474	$5,719	$15,755	$3,176,136
11	129	$21,474	$5,691	$15,783	$3,160,353
11	130	$21,474	$5,662	$15,811	$3,144,541
11	131	$21,474	$5,634	$15,840	$3,128,702
11	132	$21,474	$5,606	$15,868	$3,112,834
12	133	$21,474	$5,577	$15,896	$3,096,938
12	134	$21,474	$5,549	$15,925	$3,081,013
12	135	$21,474	$5,520	$15,953	$3,065,059
12	136	$21,474	$5,492	$15,982	$3,049,078
12	137	$21,474	$5,463	$16,011	$3,033,067
12	138	$21,474	$5,434	$16,039	$3,017,028
12	139	$21,474	$5,406	$16,068	$3,000,960
12	140	$21,474	$5,377	$16,097	$2,984,863
12	141	$21,474	$5,348	$16,126	$2,968,737
12	142	$21,474	$5,319	$16,155	$2,952,583
12	143	$21,474	$5,290	$16,183	$2,936,399
12	144	$21,474	$5,261	$16,212	$2,920,187
13	145	$21,474	$5,232	$16,242	$2,903,945
13	146	$21,474	$5,203	$16,271	$2,887,675
13	147	$21,474	$5,174	$16,300	$2,871,375
13	148	$21,474	$5,145	$16,329	$2,855,046
13	149	$21,474	$5,115	$16,358	$2,838,688
13	150	$21,474	$5,086	$16,388	$2,822,300
13	151	$21,474	$5,057	$16,417	$2,805,883
13	152	$21,474	$5,027	$16,446	$2,789,437
13	153	$21,474	$4,998	$16,476	$2,772,961
13	154	$21,474	$4,968	$16,505	$2,756,456
13	155	$21,474	$4,939	$16,535	$2,739,921
13	156	$21,474	$4,909	$16,564	$2,723,357
14	157	$21,474	$4,879	$16,594	$2,706,763
14	158	$21,474	$4,850	$16,624	$2,690,139
14	159	$21,474	$4,820	$16,654	$2,673,485
14	160	$21,474	$4,790	$16,684	$2,656,801
14	161	$21,474	$4,760	$16,713	$2,640,088
14	162	$21,474	$4,730	$16,743	$2,623,345
14	163	$21,474	$4,700	$16,773	$2,606,571
14	164	$21,474	$4,670	$16,803	$2,589,768
14	165	$21,474	$4,640	$16,834	$2,572,934
14	166	$21,474	$4,610	$16,864	$2,556,071
14	167	$21,474	$4,580	$16,894	$2,539,177
14	168	$21,474	$4,549	$16,924	$2,522,253
15	169	$21,474	$4,519	$16,954	$2,505,298
15	170	$21,474	$4,489	$16,985	$2,488,313
15	171	$21,474	$4,458	$17,015	$2,471,298
15	172	$21,474	$4,428	$17,046	$2,454,252
15	173	$21,474	$4,397	$17,076	$2,437,176
15	174	$21,474	$4,367	$17,107	$2,420,069
15	175	$21,474	$4,336	$17,138	$2,402,932
15	176	$21,474	$4,305	$17,168	$2,385,763
15	177	$21,474	$4,274	$17,199	$2,368,564
15	178	$21,474	$4,244	$17,230	$2,351,335
15	179	$21,474	$4,213	$17,261	$2,334,074
15	180	$21,474	$4,182	$17,292	$2,316,782
16	181	$21,474	$4,151	$17,323	$2,299,460
16	182	$21,474	$4,120	$17,354	$2,282,106
16	183	$21,474	$4,089	$17,385	$2,264,721
16	184	$21,474	$4,058	$17,416	$2,247,305
16	185	$21,474	$4,026	$17,447	$2,229,858
16	186	$21,474	$3,995	$17,478	$2,212,380
16	187	$21,474	$3,964	$17,510	$2,194,870
16	188	$21,474	$3,932	$17,541	$2,177,329
16	189	$21,474	$3,901	$17,572	$2,159,757
16	190	$21,474	$3,870	$17,604	$2,142,153
16	191	$21,474	$3,838	$17,635	$2,124,517
16	192	$21,474	$3,806	$17,667	$2,106,850
17	193	$21,474	$3,775	$17,699	$2,089,152
17	194	$21,474	$3,743	$17,730	$2,071,421
17	195	$21,474	$3,711	$17,762	$2,053,659
17	196	$21,474	$3,679	$17,794	$2,035,865
17	197	$21,474	$3,648	$17,826	$2,018,039
17	198	$21,474	$3,616	$17,858	$2,000,181
17	199	$21,474	$3,584	$17,890	$1,982,291
17	200	$21,474	$3,552	$17,922	$1,964,369
17	201	$21,474	$3,519	$17,954	$1,946,415
17	202	$21,474	$3,487	$17,986	$1,928,429
17	203	$21,474	$3,455	$18,018	$1,910,411
17	204	$21,474	$3,423	$18,051	$1,892,360
18	205	$21,474	$3,390	$18,083	$1,874,277
18	206	$21,474	$3,358	$18,115	$1,856,162
18	207	$21,474	$3,326	$18,148	$1,838,014
18	208	$21,474	$3,293	$18,180	$1,819,833
18	209	$21,474	$3,261	$18,213	$1,801,620
18	210	$21,474	$3,228	$18,246	$1,783,375
18	211	$21,474	$3,195	$18,278	$1,765,096
18	212	$21,474	$3,162	$18,311	$1,746,785
18	213	$21,474	$3,130	$18,344	$1,728,442
18	214	$21,474	$3,097	$18,377	$1,710,065
18	215	$21,474	$3,064	$18,410	$1,691,655
18	216	$21,474	$3,031	$18,443	$1,673,213
19	217	$21,474	$2,998	$18,476	$1,654,737
19	218	$21,474	$2,965	$18,509	$1,636,228
19	219	$21,474	$2,932	$18,542	$1,617,686
19	220	$21,474	$2,898	$18,575	$1,599,111
19	221	$21,474	$2,865	$18,608	$1,580,503
19	222	$21,474	$2,832	$18,642	$1,561,861
19	223	$21,474	$2,798	$18,675	$1,543,186
19	224	$21,474	$2,765	$18,709	$1,524,477
19	225	$21,474	$2,731	$18,742	$1,505,735
19	226	$21,474	$2,698	$18,776	$1,486,959
19	227	$21,474	$2,664	$18,809	$1,468,150
19	228	$21,474	$2,630	$18,843	$1,449,307
20	229	$21,474	$2,597	$18,877	$1,430,430
20	230	$21,474	$2,563	$18,911	$1,411,519
20	231	$21,474	$2,529	$18,945	$1,392,575
20	232	$21,474	$2,495	$18,978	$1,373,596
20	233	$21,474	$2,461	$19,012	$1,354,584
20	234	$21,474	$2,427	$19,047	$1,335,537
20	235	$21,474	$2,393	$19,081	$1,316,457
20	236	$21,474	$2,359	$19,115	$1,297,342
20	237	$21,474	$2,324	$19,149	$1,278,193
20	238	$21,474	$2,290	$19,183	$1,259,009
20	239	$21,474	$2,256	$19,218	$1,239,791
20	240	$21,474	$2,221	$19,252	$1,220,539
21	241	$21,474	$2,187	$19,287	$1,201,252
21	242	$21,474	$2,152	$19,321	$1,181,931
21	243	$21,474	$2,118	$19,356	$1,162,575
21	244	$21,474	$2,083	$19,391	$1,143,185
21	245	$21,474	$2,048	$19,425	$1,123,759
21	246	$21,474	$2,013	$19,460	$1,104,299
21	247	$21,474	$1,979	$19,495	$1,084,804
21	248	$21,474	$1,944	$19,530	$1,065,275
21	249	$21,474	$1,909	$19,565	$1,045,710
21	250	$21,474	$1,874	$19,600	$1,026,110
21	251	$21,474	$1,838	$19,635	$1,006,475
21	252	$21,474	$1,803	$19,670	$986,804
22	253	$21,474	$1,768	$19,705	$967,099
22	254	$21,474	$1,733	$19,741	$947,358
22	255	$21,474	$1,697	$19,776	$927,582
22	256	$21,474	$1,662	$19,812	$907,770
22	257	$21,474	$1,626	$19,847	$887,923
22	258	$21,474	$1,591	$19,883	$868,041
22	259	$21,474	$1,555	$19,918	$848,122
22	260	$21,474	$1,520	$19,954	$828,168
22	261	$21,474	$1,484	$19,990	$808,179
22	262	$21,474	$1,448	$20,026	$788,153
22	263	$21,474	$1,412	$20,061	$768,092
22	264	$21,474	$1,376	$20,097	$747,994
23	265	$21,474	$1,340	$20,133	$727,861
23	266	$21,474	$1,304	$20,169	$707,692
23	267	$21,474	$1,268	$20,206	$687,486
23	268	$21,474	$1,232	$20,242	$667,244
23	269	$21,474	$1,195	$20,278	$646,966
23	270	$21,474	$1,159	$20,314	$626,652
23	271	$21,474	$1,123	$20,351	$606,301
23	272	$21,474	$1,086	$20,387	$585,914
23	273	$21,474	$1,050	$20,424	$565,490
23	274	$21,474	$1,013	$20,460	$545,030
23	275	$21,474	$977	$20,497	$524,533
23	276	$21,474	$940	$20,534	$503,999
24	277	$21,474	$903	$20,571	$483,429
24	278	$21,474	$866	$20,607	$462,821
24	279	$21,474	$829	$20,644	$442,177
24	280	$21,474	$792	$20,681	$421,496
24	281	$21,474	$755	$20,718	$400,777
24	282	$21,474	$718	$20,755	$380,022
24	283	$21,474	$681	$20,793	$359,229
24	284	$21,474	$644	$20,830	$338,399
24	285	$21,474	$606	$20,867	$317,532
24	286	$21,474	$569	$20,905	$296,628
24	287	$21,474	$531	$20,942	$275,686
24	288	$21,474	$494	$20,980	$254,706
25	289	$21,474	$456	$21,017	$233,689
25	290	$21,474	$419	$21,055	$212,634
25	291	$21,474	$381	$21,093	$191,542
25	292	$21,474	$343	$21,130	$170,411
25	293	$21,474	$305	$21,168	$149,243
25	294	$21,474	$267	$21,206	$128,037
25	295	$21,474	$229	$21,244	$106,793
25	296	$21,474	$191	$21,282	$85,511
25	297	$21,474	$153	$21,320	$64,190
25	298	$21,474	$115	$21,358	$42,832
25	299	$21,474	$77	$21,397	$21,435
25	300	$21,474	$38	$21,435	$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$ 3,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,403,000

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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.