Century 21 Centaland Property

Down Payment (HKD)

$12,720,000

Monthly Repayment (HKD)

$82,272

Loan Amount (HKD)

$19,080,000

Total Interest (HKD)

$5,601,596

Total Repayment (HKD)

$24,681,596

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$82,272	$34,185	$48,087	$19,031,913
1	2	$82,272	$34,099	$48,173	$18,983,740
1	3	$82,272	$34,013	$48,259	$18,935,480
1	4	$82,272	$33,926	$48,346	$18,887,134
1	5	$82,272	$33,839	$48,433	$18,838,702
1	6	$82,272	$33,753	$48,519	$18,790,183
1	7	$82,272	$33,666	$48,606	$18,741,576
1	8	$82,272	$33,579	$48,693	$18,692,883
1	9	$82,272	$33,491	$48,781	$18,644,102
1	10	$82,272	$33,404	$48,868	$18,595,235
1	11	$82,272	$33,316	$48,956	$18,546,279
1	12	$82,272	$33,229	$49,043	$18,497,236
2	13	$82,272	$33,141	$49,131	$18,448,105
2	14	$82,272	$33,053	$49,219	$18,398,886
2	15	$82,272	$32,965	$49,307	$18,349,578
2	16	$82,272	$32,876	$49,396	$18,300,183
2	17	$82,272	$32,788	$49,484	$18,250,698
2	18	$82,272	$32,699	$49,573	$18,201,126
2	19	$82,272	$32,610	$49,662	$18,151,464
2	20	$82,272	$32,521	$49,751	$18,101,713
2	21	$82,272	$32,432	$49,840	$18,051,874
2	22	$82,272	$32,343	$49,929	$18,001,945
2	23	$82,272	$32,253	$50,019	$17,951,926
2	24	$82,272	$32,164	$50,108	$17,901,818
3	25	$82,272	$32,074	$50,198	$17,851,620
3	26	$82,272	$31,984	$50,288	$17,801,332
3	27	$82,272	$31,894	$50,378	$17,750,954
3	28	$82,272	$31,804	$50,468	$17,700,486
3	29	$82,272	$31,713	$50,559	$17,649,927
3	30	$82,272	$31,623	$50,649	$17,599,278
3	31	$82,272	$31,532	$50,740	$17,548,538
3	32	$82,272	$31,441	$50,831	$17,497,707
3	33	$82,272	$31,350	$50,922	$17,446,785
3	34	$82,272	$31,259	$51,013	$17,395,772
3	35	$82,272	$31,167	$51,105	$17,344,668
3	36	$82,272	$31,076	$51,196	$17,293,472
4	37	$82,272	$30,984	$51,288	$17,242,184
4	38	$82,272	$30,892	$51,380	$17,190,804
4	39	$82,272	$30,800	$51,472	$17,139,332
4	40	$82,272	$30,708	$51,564	$17,087,768
4	41	$82,272	$30,616	$51,656	$17,036,112
4	42	$82,272	$30,523	$51,749	$16,984,363
4	43	$82,272	$30,430	$51,842	$16,932,521
4	44	$82,272	$30,337	$51,935	$16,880,587
4	45	$82,272	$30,244	$52,028	$16,828,559
4	46	$82,272	$30,151	$52,121	$16,776,438
4	47	$82,272	$30,058	$52,214	$16,724,224
4	48	$82,272	$29,964	$52,308	$16,671,916
5	49	$82,272	$29,871	$52,401	$16,619,515
5	50	$82,272	$29,777	$52,495	$16,567,019
5	51	$82,272	$29,683	$52,589	$16,514,430
5	52	$82,272	$29,588	$52,684	$16,461,746
5	53	$82,272	$29,494	$52,778	$16,408,968
5	54	$82,272	$29,399	$52,873	$16,356,096
5	55	$82,272	$29,305	$52,967	$16,303,128
5	56	$82,272	$29,210	$53,062	$16,250,066
5	57	$82,272	$29,115	$53,157	$16,196,909
5	58	$82,272	$29,019	$53,253	$16,143,656
5	59	$82,272	$28,924	$53,348	$16,090,308
5	60	$82,272	$28,828	$53,444	$16,036,865
6	61	$82,272	$28,733	$53,539	$15,983,326
6	62	$82,272	$28,637	$53,635	$15,929,690
6	63	$82,272	$28,541	$53,731	$15,875,959
6	64	$82,272	$28,444	$53,828	$15,822,132
6	65	$82,272	$28,348	$53,924	$15,768,208
6	66	$82,272	$28,251	$54,021	$15,714,187
6	67	$82,272	$28,155	$54,117	$15,660,070
6	68	$82,272	$28,058	$54,214	$15,605,855
6	69	$82,272	$27,960	$54,311	$15,551,544
6	70	$82,272	$27,863	$54,409	$15,497,135
6	71	$82,272	$27,766	$54,506	$15,442,629
6	72	$82,272	$27,668	$54,604	$15,388,025
7	73	$82,272	$27,570	$54,702	$15,333,323
7	74	$82,272	$27,472	$54,800	$15,278,523
7	75	$82,272	$27,374	$54,898	$15,223,625
7	76	$82,272	$27,276	$54,996	$15,168,629
7	77	$82,272	$27,177	$55,095	$15,113,534
7	78	$82,272	$27,078	$55,194	$15,058,340
7	79	$82,272	$26,980	$55,292	$15,003,048
7	80	$82,272	$26,880	$55,392	$14,947,656
7	81	$82,272	$26,781	$55,491	$14,892,166
7	82	$82,272	$26,682	$55,590	$14,836,575
7	83	$82,272	$26,582	$55,690	$14,780,886
7	84	$82,272	$26,482	$55,790	$14,725,096
8	85	$82,272	$26,382	$55,890	$14,669,207
8	86	$82,272	$26,282	$55,990	$14,613,217
8	87	$82,272	$26,182	$56,090	$14,557,127
8	88	$82,272	$26,082	$56,190	$14,500,936
8	89	$82,272	$25,981	$56,291	$14,444,645
8	90	$82,272	$25,880	$56,392	$14,388,253
8	91	$82,272	$25,779	$56,493	$14,331,760
8	92	$82,272	$25,678	$56,594	$14,275,166
8	93	$82,272	$25,576	$56,696	$14,218,470
8	94	$82,272	$25,475	$56,797	$14,161,673
8	95	$82,272	$25,373	$56,899	$14,104,774
8	96	$82,272	$25,271	$57,001	$14,047,773
9	97	$82,272	$25,169	$57,103	$13,990,670
9	98	$82,272	$25,067	$57,205	$13,933,465
9	99	$82,272	$24,964	$57,308	$13,876,157
9	100	$82,272	$24,861	$57,411	$13,818,746
9	101	$82,272	$24,759	$57,513	$13,761,233
9	102	$82,272	$24,656	$57,616	$13,703,617
9	103	$82,272	$24,552	$57,720	$13,645,897
9	104	$82,272	$24,449	$57,823	$13,588,074
9	105	$82,272	$24,345	$57,927	$13,530,147
9	106	$82,272	$24,242	$58,030	$13,472,117
9	107	$82,272	$24,138	$58,134	$13,413,982
9	108	$82,272	$24,033	$58,239	$13,355,744
10	109	$82,272	$23,929	$58,343	$13,297,401
10	110	$82,272	$23,825	$58,447	$13,238,953
10	111	$82,272	$23,720	$58,552	$13,180,401
10	112	$82,272	$23,615	$58,657	$13,121,744
10	113	$82,272	$23,510	$58,762	$13,062,982
10	114	$82,272	$23,405	$58,867	$13,004,114
10	115	$82,272	$23,299	$58,973	$12,945,141
10	116	$82,272	$23,193	$59,079	$12,886,063
10	117	$82,272	$23,088	$59,184	$12,826,878
10	118	$82,272	$22,981	$59,290	$12,767,588
10	119	$82,272	$22,875	$59,397	$12,708,191
10	120	$82,272	$22,769	$59,503	$12,648,688
11	121	$82,272	$22,662	$59,610	$12,589,078
11	122	$82,272	$22,555	$59,717	$12,529,361
11	123	$82,272	$22,448	$59,824	$12,469,538
11	124	$82,272	$22,341	$59,931	$12,409,607
11	125	$82,272	$22,234	$60,038	$12,349,569
11	126	$82,272	$22,126	$60,146	$12,289,423
11	127	$82,272	$22,019	$60,253	$12,229,170
11	128	$82,272	$21,911	$60,361	$12,168,809
11	129	$82,272	$21,802	$60,470	$12,108,339
11	130	$82,272	$21,694	$60,578	$12,047,761
11	131	$82,272	$21,586	$60,686	$11,987,075
11	132	$82,272	$21,477	$60,795	$11,926,280
12	133	$82,272	$21,368	$60,904	$11,865,376
12	134	$82,272	$21,259	$61,013	$11,804,362
12	135	$82,272	$21,149	$61,123	$11,743,240
12	136	$82,272	$21,040	$61,232	$11,682,008
12	137	$82,272	$20,930	$61,342	$11,620,666
12	138	$82,272	$20,820	$61,452	$11,559,214
12	139	$82,272	$20,710	$61,562	$11,497,653
12	140	$82,272	$20,600	$61,672	$11,435,981
12	141	$82,272	$20,489	$61,783	$11,374,198
12	142	$82,272	$20,379	$61,893	$11,312,305
12	143	$82,272	$20,268	$62,004	$11,250,301
12	144	$82,272	$20,157	$62,115	$11,188,186
13	145	$82,272	$20,045	$62,226	$11,125,959
13	146	$82,272	$19,934	$62,338	$11,063,621
13	147	$82,272	$19,822	$62,450	$11,001,172
13	148	$82,272	$19,710	$62,562	$10,938,610
13	149	$82,272	$19,598	$62,674	$10,875,936
13	150	$82,272	$19,486	$62,786	$10,813,150
13	151	$82,272	$19,374	$62,898	$10,750,252
13	152	$82,272	$19,261	$63,011	$10,687,241
13	153	$82,272	$19,148	$63,124	$10,624,117
13	154	$82,272	$19,035	$63,237	$10,560,880
13	155	$82,272	$18,922	$63,350	$10,497,529
13	156	$82,272	$18,808	$63,464	$10,434,065
14	157	$82,272	$18,694	$63,578	$10,370,488
14	158	$82,272	$18,580	$63,692	$10,306,796
14	159	$82,272	$18,466	$63,806	$10,242,991
14	160	$82,272	$18,352	$63,920	$10,179,071
14	161	$82,272	$18,238	$64,034	$10,115,036
14	162	$82,272	$18,123	$64,149	$10,050,887
14	163	$82,272	$18,008	$64,264	$9,986,623
14	164	$82,272	$17,893	$64,379	$9,922,244
14	165	$82,272	$17,777	$64,495	$9,857,749
14	166	$82,272	$17,662	$64,610	$9,793,139
14	167	$82,272	$17,546	$64,726	$9,728,413
14	168	$82,272	$17,430	$64,842	$9,663,571
15	169	$82,272	$17,314	$64,958	$9,598,613
15	170	$82,272	$17,198	$65,074	$9,533,538
15	171	$82,272	$17,081	$65,191	$9,468,347
15	172	$82,272	$16,964	$65,308	$9,403,039
15	173	$82,272	$16,847	$65,425	$9,337,614
15	174	$82,272	$16,730	$65,542	$9,272,072
15	175	$82,272	$16,612	$65,660	$9,206,413
15	176	$82,272	$16,495	$65,777	$9,140,636
15	177	$82,272	$16,377	$65,895	$9,074,741
15	178	$82,272	$16,259	$66,013	$9,008,728
15	179	$82,272	$16,141	$66,131	$8,942,596
15	180	$82,272	$16,022	$66,250	$8,876,346
16	181	$82,272	$15,903	$66,369	$8,809,978
16	182	$82,272	$15,785	$66,487	$8,743,490
16	183	$82,272	$15,665	$66,607	$8,676,884
16	184	$82,272	$15,546	$66,726	$8,610,158
16	185	$82,272	$15,427	$66,845	$8,543,312
16	186	$82,272	$15,307	$66,965	$8,476,347
16	187	$82,272	$15,187	$67,085	$8,409,262
16	188	$82,272	$15,067	$67,205	$8,342,057
16	189	$82,272	$14,946	$67,326	$8,274,731
16	190	$82,272	$14,826	$67,446	$8,207,284
16	191	$82,272	$14,705	$67,567	$8,139,717
16	192	$82,272	$14,584	$67,688	$8,072,029
17	193	$82,272	$14,462	$67,810	$8,004,219
17	194	$82,272	$14,341	$67,931	$7,936,288
17	195	$82,272	$14,219	$68,053	$7,868,235
17	196	$82,272	$14,097	$68,175	$7,800,061
17	197	$82,272	$13,975	$68,297	$7,731,764
17	198	$82,272	$13,853	$68,419	$7,663,344
17	199	$82,272	$13,730	$68,542	$7,594,803
17	200	$82,272	$13,607	$68,665	$7,526,138
17	201	$82,272	$13,484	$68,788	$7,457,350
17	202	$82,272	$13,361	$68,911	$7,388,439
17	203	$82,272	$13,238	$69,034	$7,319,405
17	204	$82,272	$13,114	$69,158	$7,250,247
18	205	$82,272	$12,990	$69,282	$7,180,965
18	206	$82,272	$12,866	$69,406	$7,111,559
18	207	$82,272	$12,742	$69,530	$7,042,029
18	208	$82,272	$12,617	$69,655	$6,972,374
18	209	$82,272	$12,492	$69,780	$6,902,594
18	210	$82,272	$12,367	$69,905	$6,832,689
18	211	$82,272	$12,242	$70,030	$6,762,659
18	212	$82,272	$12,116	$70,156	$6,692,503
18	213	$82,272	$11,991	$70,281	$6,622,222
18	214	$82,272	$11,865	$70,407	$6,551,815
18	215	$82,272	$11,739	$70,533	$6,481,281
18	216	$82,272	$11,612	$70,660	$6,410,622
19	217	$82,272	$11,486	$70,786	$6,339,835
19	218	$82,272	$11,359	$70,913	$6,268,922
19	219	$82,272	$11,232	$71,040	$6,197,882
19	220	$82,272	$11,105	$71,167	$6,126,715
19	221	$82,272	$10,977	$71,295	$6,055,420
19	222	$82,272	$10,849	$71,423	$5,983,997
19	223	$82,272	$10,721	$71,551	$5,912,446
19	224	$82,272	$10,593	$71,679	$5,840,768
19	225	$82,272	$10,465	$71,807	$5,768,960
19	226	$82,272	$10,336	$71,936	$5,697,024
19	227	$82,272	$10,207	$72,065	$5,624,960
19	228	$82,272	$10,078	$72,194	$5,552,766
20	229	$82,272	$9,949	$72,323	$5,480,442
20	230	$82,272	$9,819	$72,453	$5,407,989
20	231	$82,272	$9,689	$72,583	$5,335,407
20	232	$82,272	$9,559	$72,713	$5,262,694
20	233	$82,272	$9,429	$72,843	$5,189,851
20	234	$82,272	$9,298	$72,974	$5,116,878
20	235	$82,272	$9,168	$73,104	$5,043,773
20	236	$82,272	$9,037	$73,235	$4,970,538
20	237	$82,272	$8,906	$73,366	$4,897,172
20	238	$82,272	$8,774	$73,498	$4,823,674
20	239	$82,272	$8,642	$73,630	$4,750,044
20	240	$82,272	$8,510	$73,761	$4,676,283
21	241	$82,272	$8,378	$73,894	$4,602,389
21	242	$82,272	$8,246	$74,026	$4,528,363
21	243	$82,272	$8,113	$74,159	$4,454,204
21	244	$82,272	$7,980	$74,292	$4,379,913
21	245	$82,272	$7,847	$74,425	$4,305,488
21	246	$82,272	$7,714	$74,558	$4,230,930
21	247	$82,272	$7,580	$74,692	$4,156,239
21	248	$82,272	$7,447	$74,825	$4,081,413
21	249	$82,272	$7,313	$74,959	$4,006,454
21	250	$82,272	$7,178	$75,094	$3,931,360
21	251	$82,272	$7,044	$75,228	$3,856,132
21	252	$82,272	$6,909	$75,363	$3,780,769
22	253	$82,272	$6,774	$75,498	$3,705,270
22	254	$82,272	$6,639	$75,633	$3,629,637
22	255	$82,272	$6,503	$75,769	$3,553,868
22	256	$82,272	$6,367	$75,905	$3,477,964
22	257	$82,272	$6,231	$76,041	$3,401,923
22	258	$82,272	$6,095	$76,177	$3,325,746
22	259	$82,272	$5,959	$76,313	$3,249,433
22	260	$82,272	$5,822	$76,450	$3,172,983
22	261	$82,272	$5,685	$76,587	$3,096,396
22	262	$82,272	$5,548	$76,724	$3,019,671
22	263	$82,272	$5,410	$76,862	$2,942,810
22	264	$82,272	$5,273	$76,999	$2,865,810
23	265	$82,272	$5,135	$77,137	$2,788,673
23	266	$82,272	$4,996	$77,276	$2,711,397
23	267	$82,272	$4,858	$77,414	$2,633,983
23	268	$82,272	$4,719	$77,553	$2,556,430
23	269	$82,272	$4,580	$77,692	$2,478,739
23	270	$82,272	$4,441	$77,831	$2,400,908
23	271	$82,272	$4,302	$77,970	$2,322,937
23	272	$82,272	$4,162	$78,110	$2,244,827
23	273	$82,272	$4,022	$78,250	$2,166,577
23	274	$82,272	$3,882	$78,390	$2,088,187
23	275	$82,272	$3,741	$78,531	$2,009,656
23	276	$82,272	$3,601	$78,671	$1,930,985
24	277	$82,272	$3,460	$78,812	$1,852,173
24	278	$82,272	$3,318	$78,954	$1,773,219
24	279	$82,272	$3,177	$79,095	$1,694,124
24	280	$82,272	$3,035	$79,237	$1,614,887
24	281	$82,272	$2,893	$79,379	$1,535,509
24	282	$82,272	$2,751	$79,521	$1,455,988
24	283	$82,272	$2,609	$79,663	$1,376,325
24	284	$82,272	$2,466	$79,806	$1,296,519
24	285	$82,272	$2,323	$79,949	$1,216,569
24	286	$82,272	$2,180	$80,092	$1,136,477
24	287	$82,272	$2,036	$80,236	$1,056,241
24	288	$82,272	$1,892	$80,380	$975,862
25	289	$82,272	$1,748	$80,524	$895,338
25	290	$82,272	$1,604	$80,668	$814,670
25	291	$82,272	$1,460	$80,812	$733,858
25	292	$82,272	$1,315	$80,957	$652,901
25	293	$82,272	$1,170	$81,102	$571,799
25	294	$82,272	$1,024	$81,248	$490,551
25	295	$82,272	$879	$81,393	$409,158
25	296	$82,272	$733	$81,539	$327,619
25	297	$82,272	$587	$81,685	$245,934
25	298	$82,272	$441	$81,831	$164,103
25	299	$82,272	$294	$81,978	$82,125
25	300	$82,272	$147	$82,125	$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$ 12,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 13,038,000

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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.