Century 21 Centaland Property

Down Payment (HKD)

$15,920,000

Monthly Repayment (HKD)

$102,969

Loan Amount (HKD)

$23,880,000

Total Interest (HKD)

$7,010,803

Total Repayment (HKD)

$30,890,803

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$102,969	$42,785	$60,184	$23,819,816
1	2	$102,969	$42,677	$60,292	$23,759,523
1	3	$102,969	$42,569	$60,400	$23,699,123
1	4	$102,969	$42,461	$60,508	$23,638,615
1	5	$102,969	$42,353	$60,617	$23,577,998
1	6	$102,969	$42,244	$60,725	$23,517,273
1	7	$102,969	$42,135	$60,834	$23,456,438
1	8	$102,969	$42,026	$60,943	$23,395,495
1	9	$102,969	$41,917	$61,052	$23,334,443
1	10	$102,969	$41,808	$61,162	$23,273,281
1	11	$102,969	$41,698	$61,271	$23,212,010
1	12	$102,969	$41,588	$61,381	$23,150,628
2	13	$102,969	$41,478	$61,491	$23,089,137
2	14	$102,969	$41,368	$61,601	$23,027,536
2	15	$102,969	$41,258	$61,712	$22,965,824
2	16	$102,969	$41,147	$61,822	$22,904,002
2	17	$102,969	$41,036	$61,933	$22,842,069
2	18	$102,969	$40,925	$62,044	$22,780,025
2	19	$102,969	$40,814	$62,155	$22,717,870
2	20	$102,969	$40,703	$62,266	$22,655,603
2	21	$102,969	$40,591	$62,378	$22,593,225
2	22	$102,969	$40,480	$62,490	$22,530,736
2	23	$102,969	$40,368	$62,602	$22,468,134
2	24	$102,969	$40,255	$62,714	$22,405,420
3	25	$102,969	$40,143	$62,826	$22,342,594
3	26	$102,969	$40,030	$62,939	$22,279,655
3	27	$102,969	$39,918	$63,052	$22,216,603
3	28	$102,969	$39,805	$63,165	$22,153,438
3	29	$102,969	$39,692	$63,278	$22,090,161
3	30	$102,969	$39,578	$63,391	$22,026,770
3	31	$102,969	$39,465	$63,505	$21,963,265
3	32	$102,969	$39,351	$63,618	$21,899,646
3	33	$102,969	$39,237	$63,732	$21,835,914
3	34	$102,969	$39,123	$63,847	$21,772,067
3	35	$102,969	$39,008	$63,961	$21,708,106
3	36	$102,969	$38,894	$64,076	$21,644,031
4	37	$102,969	$38,779	$64,190	$21,579,840
4	38	$102,969	$38,664	$64,305	$21,515,535
4	39	$102,969	$38,549	$64,421	$21,451,114
4	40	$102,969	$38,433	$64,536	$21,386,578
4	41	$102,969	$38,318	$64,652	$21,321,926
4	42	$102,969	$38,202	$64,768	$21,257,159
4	43	$102,969	$38,086	$64,884	$21,192,275
4	44	$102,969	$37,969	$65,000	$21,127,275
4	45	$102,969	$37,853	$65,116	$21,062,159
4	46	$102,969	$37,736	$65,233	$20,996,926
4	47	$102,969	$37,619	$65,350	$20,931,576
4	48	$102,969	$37,502	$65,467	$20,866,109
5	49	$102,969	$37,385	$65,584	$20,800,525
5	50	$102,969	$37,268	$65,702	$20,734,823
5	51	$102,969	$37,150	$65,819	$20,669,004
5	52	$102,969	$37,032	$65,937	$20,603,066
5	53	$102,969	$36,914	$66,056	$20,537,011
5	54	$102,969	$36,795	$66,174	$20,470,837
5	55	$102,969	$36,677	$66,292	$20,404,544
5	56	$102,969	$36,558	$66,411	$20,338,133
5	57	$102,969	$36,439	$66,530	$20,271,603
5	58	$102,969	$36,320	$66,649	$20,204,954
5	59	$102,969	$36,201	$66,769	$20,138,185
5	60	$102,969	$36,081	$66,888	$20,071,296
6	61	$102,969	$35,961	$67,008	$20,004,288
6	62	$102,969	$35,841	$67,128	$19,937,160
6	63	$102,969	$35,721	$67,249	$19,869,911
6	64	$102,969	$35,600	$67,369	$19,802,542
6	65	$102,969	$35,480	$67,490	$19,735,052
6	66	$102,969	$35,359	$67,611	$19,667,442
6	67	$102,969	$35,237	$67,732	$19,599,710
6	68	$102,969	$35,116	$67,853	$19,531,857
6	69	$102,969	$34,995	$67,975	$19,463,882
6	70	$102,969	$34,873	$68,097	$19,395,785
6	71	$102,969	$34,751	$68,219	$19,327,567
6	72	$102,969	$34,629	$68,341	$19,259,226
7	73	$102,969	$34,506	$68,463	$19,190,763
7	74	$102,969	$34,383	$68,586	$19,122,177
7	75	$102,969	$34,261	$68,709	$19,053,468
7	76	$102,969	$34,137	$68,832	$18,984,636
7	77	$102,969	$34,014	$68,955	$18,915,681
7	78	$102,969	$33,891	$69,079	$18,846,602
7	79	$102,969	$33,767	$69,203	$18,777,400
7	80	$102,969	$33,643	$69,327	$18,708,073
7	81	$102,969	$33,519	$69,451	$18,638,622
7	82	$102,969	$33,394	$69,575	$18,569,047
7	83	$102,969	$33,270	$69,700	$18,499,347
7	84	$102,969	$33,145	$69,825	$18,429,523
8	85	$102,969	$33,020	$69,950	$18,359,573
8	86	$102,969	$32,894	$70,075	$18,289,498
8	87	$102,969	$32,769	$70,201	$18,219,297
8	88	$102,969	$32,643	$70,326	$18,148,971
8	89	$102,969	$32,517	$70,452	$18,078,518
8	90	$102,969	$32,391	$70,579	$18,007,940
8	91	$102,969	$32,264	$70,705	$17,937,235
8	92	$102,969	$32,138	$70,832	$17,866,403
8	93	$102,969	$32,011	$70,959	$17,795,444
8	94	$102,969	$31,884	$71,086	$17,724,358
8	95	$102,969	$31,756	$71,213	$17,653,145
8	96	$102,969	$31,629	$71,341	$17,581,804
9	97	$102,969	$31,501	$71,469	$17,510,336
9	98	$102,969	$31,373	$71,597	$17,438,739
9	99	$102,969	$31,244	$71,725	$17,367,014
9	100	$102,969	$31,116	$71,853	$17,295,161
9	101	$102,969	$30,987	$71,982	$17,223,178
9	102	$102,969	$30,858	$72,111	$17,151,067
9	103	$102,969	$30,729	$72,240	$17,078,827
9	104	$102,969	$30,600	$72,370	$17,006,457
9	105	$102,969	$30,470	$72,499	$16,933,958
9	106	$102,969	$30,340	$72,629	$16,861,328
9	107	$102,969	$30,210	$72,759	$16,788,569
9	108	$102,969	$30,080	$72,890	$16,715,679
10	109	$102,969	$29,949	$73,020	$16,642,659
10	110	$102,969	$29,818	$73,151	$16,569,507
10	111	$102,969	$29,687	$73,282	$16,496,225
10	112	$102,969	$29,556	$73,414	$16,422,812
10	113	$102,969	$29,424	$73,545	$16,349,266
10	114	$102,969	$29,292	$73,677	$16,275,589
10	115	$102,969	$29,160	$73,809	$16,201,781
10	116	$102,969	$29,028	$73,941	$16,127,839
10	117	$102,969	$28,896	$74,074	$16,053,766
10	118	$102,969	$28,763	$74,206	$15,979,559
10	119	$102,969	$28,630	$74,339	$15,905,220
10	120	$102,969	$28,497	$74,472	$15,830,748
11	121	$102,969	$28,363	$74,606	$15,756,142
11	122	$102,969	$28,230	$74,740	$15,681,402
11	123	$102,969	$28,096	$74,873	$15,606,529
11	124	$102,969	$27,962	$75,008	$15,531,521
11	125	$102,969	$27,827	$75,142	$15,456,379
11	126	$102,969	$27,693	$75,277	$15,381,102
11	127	$102,969	$27,558	$75,412	$15,305,691
11	128	$102,969	$27,423	$75,547	$15,230,144
11	129	$102,969	$27,287	$75,682	$15,154,462
11	130	$102,969	$27,152	$75,818	$15,078,644
11	131	$102,969	$27,016	$75,953	$15,002,691
11	132	$102,969	$26,880	$76,090	$14,926,602
12	133	$102,969	$26,743	$76,226	$14,850,376
12	134	$102,969	$26,607	$76,362	$14,774,013
12	135	$102,969	$26,470	$76,499	$14,697,514
12	136	$102,969	$26,333	$76,636	$14,620,878
12	137	$102,969	$26,196	$76,774	$14,544,104
12	138	$102,969	$26,058	$76,911	$14,467,193
12	139	$102,969	$25,920	$77,049	$14,390,144
12	140	$102,969	$25,782	$77,187	$14,312,957
12	141	$102,969	$25,644	$77,325	$14,235,632
12	142	$102,969	$25,506	$77,464	$14,158,168
12	143	$102,969	$25,367	$77,603	$14,080,565
12	144	$102,969	$25,228	$77,742	$14,002,824
13	145	$102,969	$25,088	$77,881	$13,924,943
13	146	$102,969	$24,949	$78,020	$13,846,922
13	147	$102,969	$24,809	$78,160	$13,768,762
13	148	$102,969	$24,669	$78,300	$13,690,462
13	149	$102,969	$24,529	$78,441	$13,612,021
13	150	$102,969	$24,388	$78,581	$13,533,440
13	151	$102,969	$24,247	$78,722	$13,454,718
13	152	$102,969	$24,106	$78,863	$13,375,855
13	153	$102,969	$23,965	$79,004	$13,296,851
13	154	$102,969	$23,824	$79,146	$13,217,705
13	155	$102,969	$23,682	$79,288	$13,138,417
13	156	$102,969	$23,540	$79,430	$13,058,988
14	157	$102,969	$23,397	$79,572	$12,979,416
14	158	$102,969	$23,255	$79,715	$12,899,701
14	159	$102,969	$23,112	$79,857	$12,819,844
14	160	$102,969	$22,969	$80,000	$12,739,843
14	161	$102,969	$22,826	$80,144	$12,659,699
14	162	$102,969	$22,682	$80,287	$12,579,412
14	163	$102,969	$22,538	$80,431	$12,498,981
14	164	$102,969	$22,394	$80,575	$12,418,405
14	165	$102,969	$22,250	$80,720	$12,337,686
14	166	$102,969	$22,105	$80,864	$12,256,821
14	167	$102,969	$21,960	$81,009	$12,175,812
14	168	$102,969	$21,815	$81,154	$12,094,658
15	169	$102,969	$21,670	$81,300	$12,013,358
15	170	$102,969	$21,524	$81,445	$11,931,913
15	171	$102,969	$21,378	$81,591	$11,850,321
15	172	$102,969	$21,232	$81,738	$11,768,584
15	173	$102,969	$21,085	$81,884	$11,686,700
15	174	$102,969	$20,939	$82,031	$11,604,669
15	175	$102,969	$20,792	$82,178	$11,522,492
15	176	$102,969	$20,644	$82,325	$11,440,167
15	177	$102,969	$20,497	$82,472	$11,357,694
15	178	$102,969	$20,349	$82,620	$11,275,074
15	179	$102,969	$20,201	$82,768	$11,192,306
15	180	$102,969	$20,053	$82,916	$11,109,390
16	181	$102,969	$19,904	$83,065	$11,026,324
16	182	$102,969	$19,755	$83,214	$10,943,111
16	183	$102,969	$19,606	$83,363	$10,859,748
16	184	$102,969	$19,457	$83,512	$10,776,235
16	185	$102,969	$19,307	$83,662	$10,692,573
16	186	$102,969	$19,158	$83,812	$10,608,762
16	187	$102,969	$19,007	$83,962	$10,524,800
16	188	$102,969	$18,857	$84,112	$10,440,687
16	189	$102,969	$18,706	$84,263	$10,356,424
16	190	$102,969	$18,555	$84,414	$10,272,010
16	191	$102,969	$18,404	$84,565	$10,187,445
16	192	$102,969	$18,253	$84,717	$10,102,728
17	193	$102,969	$18,101	$84,869	$10,017,859
17	194	$102,969	$17,949	$85,021	$9,932,839
17	195	$102,969	$17,796	$85,173	$9,847,666
17	196	$102,969	$17,644	$85,326	$9,762,340
17	197	$102,969	$17,491	$85,478	$9,676,862
17	198	$102,969	$17,338	$85,632	$9,591,230
17	199	$102,969	$17,184	$85,785	$9,505,445
17	200	$102,969	$17,031	$85,939	$9,419,506
17	201	$102,969	$16,877	$86,093	$9,333,413
17	202	$102,969	$16,722	$86,247	$9,247,166
17	203	$102,969	$16,568	$86,402	$9,160,765
17	204	$102,969	$16,413	$86,556	$9,074,209
18	205	$102,969	$16,258	$86,711	$8,987,497
18	206	$102,969	$16,103	$86,867	$8,900,630
18	207	$102,969	$15,947	$87,022	$8,813,608
18	208	$102,969	$15,791	$87,178	$8,726,430
18	209	$102,969	$15,635	$87,334	$8,639,095
18	210	$102,969	$15,478	$87,491	$8,551,604
18	211	$102,969	$15,322	$87,648	$8,463,957
18	212	$102,969	$15,165	$87,805	$8,376,152
18	213	$102,969	$15,007	$87,962	$8,288,190
18	214	$102,969	$14,850	$88,120	$8,200,070
18	215	$102,969	$14,692	$88,278	$8,111,793
18	216	$102,969	$14,534	$88,436	$8,023,357
19	217	$102,969	$14,375	$88,594	$7,934,763
19	218	$102,969	$14,216	$88,753	$7,846,010
19	219	$102,969	$14,057	$88,912	$7,757,098
19	220	$102,969	$13,898	$89,071	$7,668,027
19	221	$102,969	$13,739	$89,231	$7,578,796
19	222	$102,969	$13,579	$89,391	$7,489,405
19	223	$102,969	$13,419	$89,551	$7,399,854
19	224	$102,969	$13,258	$89,711	$7,310,143
19	225	$102,969	$13,097	$89,872	$7,220,271
19	226	$102,969	$12,936	$90,033	$7,130,238
19	227	$102,969	$12,775	$90,194	$7,040,044
19	228	$102,969	$12,613	$90,356	$6,949,688
20	229	$102,969	$12,452	$90,518	$6,859,170
20	230	$102,969	$12,289	$90,680	$6,768,490
20	231	$102,969	$12,127	$90,842	$6,677,647
20	232	$102,969	$11,964	$91,005	$6,586,642
20	233	$102,969	$11,801	$91,168	$6,495,474
20	234	$102,969	$11,638	$91,332	$6,404,142
20	235	$102,969	$11,474	$91,495	$6,312,647
20	236	$102,969	$11,310	$91,659	$6,220,988
20	237	$102,969	$11,146	$91,823	$6,129,165
20	238	$102,969	$10,981	$91,988	$6,037,177
20	239	$102,969	$10,817	$92,153	$5,945,024
20	240	$102,969	$10,652	$92,318	$5,852,706
21	241	$102,969	$10,486	$92,483	$5,760,223
21	242	$102,969	$10,320	$92,649	$5,667,574
21	243	$102,969	$10,154	$92,815	$5,574,759
21	244	$102,969	$9,988	$92,981	$5,481,778
21	245	$102,969	$9,822	$93,148	$5,388,630
21	246	$102,969	$9,655	$93,315	$5,295,315
21	247	$102,969	$9,487	$93,482	$5,201,833
21	248	$102,969	$9,320	$93,649	$5,108,184
21	249	$102,969	$9,152	$93,817	$5,014,367
21	250	$102,969	$8,984	$93,985	$4,920,381
21	251	$102,969	$8,816	$94,154	$4,826,228
21	252	$102,969	$8,647	$94,322	$4,731,905
22	253	$102,969	$8,478	$94,491	$4,637,414
22	254	$102,969	$8,309	$94,661	$4,542,753
22	255	$102,969	$8,139	$94,830	$4,447,923
22	256	$102,969	$7,969	$95,000	$4,352,923
22	257	$102,969	$7,799	$95,170	$4,257,753
22	258	$102,969	$7,628	$95,341	$4,162,412
22	259	$102,969	$7,458	$95,512	$4,066,900
22	260	$102,969	$7,287	$95,683	$3,971,217
22	261	$102,969	$7,115	$95,854	$3,875,363
22	262	$102,969	$6,943	$96,026	$3,779,337
22	263	$102,969	$6,771	$96,198	$3,683,139
22	264	$102,969	$6,599	$96,370	$3,586,769
23	265	$102,969	$6,426	$96,543	$3,490,226
23	266	$102,969	$6,253	$96,716	$3,393,510
23	267	$102,969	$6,080	$96,889	$3,296,620
23	268	$102,969	$5,906	$97,063	$3,199,557
23	269	$102,969	$5,733	$97,237	$3,102,321
23	270	$102,969	$5,558	$97,411	$3,004,910
23	271	$102,969	$5,384	$97,586	$2,907,324
23	272	$102,969	$5,209	$97,760	$2,809,564
23	273	$102,969	$5,034	$97,936	$2,711,628
23	274	$102,969	$4,858	$98,111	$2,613,517
23	275	$102,969	$4,683	$98,287	$2,515,230
23	276	$102,969	$4,506	$98,463	$2,416,767
24	277	$102,969	$4,330	$98,639	$2,318,128
24	278	$102,969	$4,153	$98,816	$2,219,312
24	279	$102,969	$3,976	$98,993	$2,120,319
24	280	$102,969	$3,799	$99,170	$2,021,148
24	281	$102,969	$3,621	$99,348	$1,921,800
24	282	$102,969	$3,443	$99,526	$1,822,274
24	283	$102,969	$3,265	$99,704	$1,722,570
24	284	$102,969	$3,086	$99,883	$1,622,687
24	285	$102,969	$2,907	$100,062	$1,522,625
24	286	$102,969	$2,728	$100,241	$1,422,383
24	287	$102,969	$2,548	$100,421	$1,321,962
24	288	$102,969	$2,369	$100,601	$1,221,362
25	289	$102,969	$2,188	$100,781	$1,120,581
25	290	$102,969	$2,008	$100,962	$1,019,619
25	291	$102,969	$1,827	$101,143	$918,476
25	292	$102,969	$1,646	$101,324	$817,153
25	293	$102,969	$1,464	$101,505	$715,647
25	294	$102,969	$1,282	$101,687	$613,960
25	295	$102,969	$1,100	$101,869	$512,091
25	296	$102,969	$917	$102,052	$410,039
25	297	$102,969	$735	$102,235	$307,804
25	298	$102,969	$551	$102,418	$205,387
25	299	$102,969	$368	$102,601	$102,785
25	300	$102,969	$184	$102,785	$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$ 15,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 16,318,000

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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.