Century 21 Centaland Property

Down Payment (HKD)

$11,840,000

Monthly Repayment (HKD)

$76,580

Loan Amount (HKD)

$17,760,000

Total Interest (HKD)

$5,214,065

Total Repayment (HKD)

$22,974,065

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$76,580	$31,820	$44,760	$17,715,240
1	2	$76,580	$31,740	$44,840	$17,670,399
1	3	$76,580	$31,659	$44,921	$17,625,479
1	4	$76,580	$31,579	$45,001	$17,580,477
1	5	$76,580	$31,498	$45,082	$17,535,396
1	6	$76,580	$31,418	$45,163	$17,490,233
1	7	$76,580	$31,337	$45,244	$17,444,989
1	8	$76,580	$31,256	$45,325	$17,399,665
1	9	$76,580	$31,174	$45,406	$17,354,259
1	10	$76,580	$31,093	$45,487	$17,308,772
1	11	$76,580	$31,012	$45,569	$17,263,203
1	12	$76,580	$30,930	$45,650	$17,217,553
2	13	$76,580	$30,848	$45,732	$17,171,821
2	14	$76,580	$30,766	$45,814	$17,126,007
2	15	$76,580	$30,684	$45,896	$17,080,111
2	16	$76,580	$30,602	$45,978	$17,034,132
2	17	$76,580	$30,519	$46,061	$16,988,071
2	18	$76,580	$30,437	$46,143	$16,941,928
2	19	$76,580	$30,354	$46,226	$16,895,702
2	20	$76,580	$30,271	$46,309	$16,849,394
2	21	$76,580	$30,188	$46,392	$16,803,002
2	22	$76,580	$30,105	$46,475	$16,756,527
2	23	$76,580	$30,022	$46,558	$16,709,969
2	24	$76,580	$29,939	$46,642	$16,663,327
3	25	$76,580	$29,855	$46,725	$16,616,602
3	26	$76,580	$29,771	$46,809	$16,569,793
3	27	$76,580	$29,688	$46,893	$16,522,901
3	28	$76,580	$29,604	$46,977	$16,475,924
3	29	$76,580	$29,519	$47,061	$16,428,863
3	30	$76,580	$29,435	$47,145	$16,381,718
3	31	$76,580	$29,351	$47,230	$16,334,488
3	32	$76,580	$29,266	$47,314	$16,287,174
3	33	$76,580	$29,181	$47,399	$16,239,775
3	34	$76,580	$29,096	$47,484	$16,192,291
3	35	$76,580	$29,011	$47,569	$16,144,722
3	36	$76,580	$28,926	$47,654	$16,097,068
4	37	$76,580	$28,841	$47,740	$16,049,328
4	38	$76,580	$28,755	$47,825	$16,001,503
4	39	$76,580	$28,669	$47,911	$15,953,592
4	40	$76,580	$28,584	$47,997	$15,905,596
4	41	$76,580	$28,498	$48,083	$15,857,513
4	42	$76,580	$28,411	$48,169	$15,809,344
4	43	$76,580	$28,325	$48,255	$15,761,089
4	44	$76,580	$28,239	$48,342	$15,712,747
4	45	$76,580	$28,152	$48,428	$15,664,319
4	46	$76,580	$28,065	$48,515	$15,615,804
4	47	$76,580	$27,978	$48,602	$15,567,202
4	48	$76,580	$27,891	$48,689	$15,518,513
5	49	$76,580	$27,804	$48,776	$15,469,737
5	50	$76,580	$27,717	$48,864	$15,420,873
5	51	$76,580	$27,629	$48,951	$15,371,922
5	52	$76,580	$27,541	$49,039	$15,322,883
5	53	$76,580	$27,453	$49,127	$15,273,757
5	54	$76,580	$27,365	$49,215	$15,224,542
5	55	$76,580	$27,277	$49,303	$15,175,239
5	56	$76,580	$27,189	$49,391	$15,125,848
5	57	$76,580	$27,100	$49,480	$15,076,368
5	58	$76,580	$27,012	$49,568	$15,026,800
5	59	$76,580	$26,923	$49,657	$14,977,142
5	60	$76,580	$26,834	$49,746	$14,927,396
6	61	$76,580	$26,745	$49,835	$14,877,561
6	62	$76,580	$26,656	$49,925	$14,827,636
6	63	$76,580	$26,566	$50,014	$14,777,622
6	64	$76,580	$26,477	$50,104	$14,727,519
6	65	$76,580	$26,387	$50,193	$14,677,325
6	66	$76,580	$26,297	$50,283	$14,627,042
6	67	$76,580	$26,207	$50,373	$14,576,669
6	68	$76,580	$26,117	$50,464	$14,526,205
6	69	$76,580	$26,026	$50,554	$14,475,651
6	70	$76,580	$25,936	$50,645	$14,425,006
6	71	$76,580	$25,845	$50,735	$14,374,271
6	72	$76,580	$25,754	$50,826	$14,323,444
7	73	$76,580	$25,663	$50,917	$14,272,527
7	74	$76,580	$25,572	$51,009	$14,221,518
7	75	$76,580	$25,480	$51,100	$14,170,418
7	76	$76,580	$25,389	$51,192	$14,119,227
7	77	$76,580	$25,297	$51,283	$14,067,944
7	78	$76,580	$25,205	$51,375	$14,016,568
7	79	$76,580	$25,113	$51,467	$13,965,101
7	80	$76,580	$25,021	$51,559	$13,913,542
7	81	$76,580	$24,928	$51,652	$13,861,890
7	82	$76,580	$24,836	$51,744	$13,810,146
7	83	$76,580	$24,743	$51,837	$13,758,309
7	84	$76,580	$24,650	$51,930	$13,706,379
8	85	$76,580	$24,557	$52,023	$13,654,356
8	86	$76,580	$24,464	$52,116	$13,602,240
8	87	$76,580	$24,371	$52,210	$13,550,030
8	88	$76,580	$24,277	$52,303	$13,497,727
8	89	$76,580	$24,183	$52,397	$13,445,330
8	90	$76,580	$24,090	$52,491	$13,392,840
8	91	$76,580	$23,996	$52,585	$13,340,255
8	92	$76,580	$23,901	$52,679	$13,287,576
8	93	$76,580	$23,807	$52,773	$13,234,803
8	94	$76,580	$23,712	$52,868	$13,181,935
8	95	$76,580	$23,618	$52,963	$13,128,972
8	96	$76,580	$23,523	$53,057	$13,075,915
9	97	$76,580	$23,428	$53,153	$13,022,762
9	98	$76,580	$23,332	$53,248	$12,969,514
9	99	$76,580	$23,237	$53,343	$12,916,171
9	100	$76,580	$23,141	$53,439	$12,862,733
9	101	$76,580	$23,046	$53,534	$12,809,198
9	102	$76,580	$22,950	$53,630	$12,755,568
9	103	$76,580	$22,854	$53,726	$12,701,841
9	104	$76,580	$22,757	$53,823	$12,648,018
9	105	$76,580	$22,661	$53,919	$12,594,099
9	106	$76,580	$22,564	$54,016	$12,540,083
9	107	$76,580	$22,468	$54,113	$12,485,971
9	108	$76,580	$22,371	$54,210	$12,431,761
10	109	$76,580	$22,274	$54,307	$12,377,455
10	110	$76,580	$22,176	$54,404	$12,323,051
10	111	$76,580	$22,079	$54,501	$12,268,549
10	112	$76,580	$21,981	$54,599	$12,213,950
10	113	$76,580	$21,883	$54,697	$12,159,253
10	114	$76,580	$21,785	$54,795	$12,104,458
10	115	$76,580	$21,687	$54,893	$12,049,565
10	116	$76,580	$21,589	$54,991	$11,994,574
10	117	$76,580	$21,490	$55,090	$11,939,484
10	118	$76,580	$21,392	$55,189	$11,884,295
10	119	$76,580	$21,293	$55,288	$11,829,008
10	120	$76,580	$21,194	$55,387	$11,773,621
11	121	$76,580	$21,094	$55,486	$11,718,136
11	122	$76,580	$20,995	$55,585	$11,662,550
11	123	$76,580	$20,895	$55,685	$11,606,866
11	124	$76,580	$20,796	$55,785	$11,551,081
11	125	$76,580	$20,696	$55,885	$11,495,196
11	126	$76,580	$20,596	$55,985	$11,439,212
11	127	$76,580	$20,495	$56,085	$11,383,127
11	128	$76,580	$20,395	$56,185	$11,326,941
11	129	$76,580	$20,294	$56,286	$11,270,655
11	130	$76,580	$20,193	$56,387	$11,214,268
11	131	$76,580	$20,092	$56,488	$11,157,780
11	132	$76,580	$19,991	$56,589	$11,101,191
12	133	$76,580	$19,890	$56,691	$11,044,501
12	134	$76,580	$19,788	$56,792	$10,987,708
12	135	$76,580	$19,686	$56,894	$10,930,814
12	136	$76,580	$19,584	$56,996	$10,873,819
12	137	$76,580	$19,482	$57,098	$10,816,721
12	138	$76,580	$19,380	$57,200	$10,759,520
12	139	$76,580	$19,277	$57,303	$10,702,218
12	140	$76,580	$19,175	$57,405	$10,644,812
12	141	$76,580	$19,072	$57,508	$10,587,304
12	142	$76,580	$18,969	$57,611	$10,529,693
12	143	$76,580	$18,866	$57,715	$10,471,978
12	144	$76,580	$18,762	$57,818	$10,414,160
13	145	$76,580	$18,659	$57,922	$10,356,239
13	146	$76,580	$18,555	$58,025	$10,298,213
13	147	$76,580	$18,451	$58,129	$10,240,084
13	148	$76,580	$18,347	$58,233	$10,181,851
13	149	$76,580	$18,242	$58,338	$10,123,513
13	150	$76,580	$18,138	$58,442	$10,065,071
13	151	$76,580	$18,033	$58,547	$10,006,524
13	152	$76,580	$17,928	$58,652	$9,947,872
13	153	$76,580	$17,823	$58,757	$9,889,115
13	154	$76,580	$17,718	$58,862	$9,830,253
13	155	$76,580	$17,613	$58,968	$9,771,285
13	156	$76,580	$17,507	$59,073	$9,712,212
14	157	$76,580	$17,401	$59,179	$9,653,033
14	158	$76,580	$17,295	$59,285	$9,593,747
14	159	$76,580	$17,189	$59,391	$9,534,356
14	160	$76,580	$17,082	$59,498	$9,474,858
14	161	$76,580	$16,976	$59,604	$9,415,254
14	162	$76,580	$16,869	$59,711	$9,355,543
14	163	$76,580	$16,762	$59,818	$9,295,724
14	164	$76,580	$16,655	$59,925	$9,235,799
14	165	$76,580	$16,547	$60,033	$9,175,766
14	166	$76,580	$16,440	$60,140	$9,115,626
14	167	$76,580	$16,332	$60,248	$9,055,378
14	168	$76,580	$16,224	$60,356	$8,995,022
15	169	$76,580	$16,116	$60,464	$8,934,558
15	170	$76,580	$16,008	$60,572	$8,873,985
15	171	$76,580	$15,899	$60,681	$8,813,304
15	172	$76,580	$15,791	$60,790	$8,752,515
15	173	$76,580	$15,682	$60,899	$8,691,616
15	174	$76,580	$15,572	$61,008	$8,630,608
15	175	$76,580	$15,463	$61,117	$8,569,491
15	176	$76,580	$15,354	$61,227	$8,508,265
15	177	$76,580	$15,244	$61,336	$8,446,928
15	178	$76,580	$15,134	$61,446	$8,385,482
15	179	$76,580	$15,024	$61,556	$8,323,926
15	180	$76,580	$14,914	$61,667	$8,262,260
16	181	$76,580	$14,803	$61,777	$8,200,483
16	182	$76,580	$14,693	$61,888	$8,138,595
16	183	$76,580	$14,582	$61,999	$8,076,596
16	184	$76,580	$14,471	$62,110	$8,014,487
16	185	$76,580	$14,359	$62,221	$7,952,266
16	186	$76,580	$14,248	$62,332	$7,889,933
16	187	$76,580	$14,136	$62,444	$7,827,489
16	188	$76,580	$14,024	$62,556	$7,764,933
16	189	$76,580	$13,912	$62,668	$7,702,265
16	190	$76,580	$13,800	$62,780	$7,639,485
16	191	$76,580	$13,687	$62,893	$7,576,592
16	192	$76,580	$13,575	$63,005	$7,513,587
17	193	$76,580	$13,462	$63,118	$7,450,468
17	194	$76,580	$13,349	$63,231	$7,387,237
17	195	$76,580	$13,235	$63,345	$7,323,892
17	196	$76,580	$13,122	$63,458	$7,260,434
17	197	$76,580	$13,008	$63,572	$7,196,862
17	198	$76,580	$12,894	$63,686	$7,133,176
17	199	$76,580	$12,780	$63,800	$7,069,376
17	200	$76,580	$12,666	$63,914	$7,005,462
17	201	$76,580	$12,551	$64,029	$6,941,433
17	202	$76,580	$12,437	$64,143	$6,877,290
17	203	$76,580	$12,322	$64,258	$6,813,031
17	204	$76,580	$12,207	$64,374	$6,748,658
18	205	$76,580	$12,091	$64,489	$6,684,169
18	206	$76,580	$11,976	$64,604	$6,619,564
18	207	$76,580	$11,860	$64,720	$6,554,844
18	208	$76,580	$11,744	$64,836	$6,490,008
18	209	$76,580	$11,628	$64,952	$6,425,056
18	210	$76,580	$11,512	$65,069	$6,359,987
18	211	$76,580	$11,395	$65,185	$6,294,802
18	212	$76,580	$11,278	$65,302	$6,229,500
18	213	$76,580	$11,161	$65,419	$6,164,081
18	214	$76,580	$11,044	$65,536	$6,098,545
18	215	$76,580	$10,927	$65,654	$6,032,891
18	216	$76,580	$10,809	$65,771	$5,967,120
19	217	$76,580	$10,691	$65,889	$5,901,231
19	218	$76,580	$10,573	$66,007	$5,835,223
19	219	$76,580	$10,455	$66,125	$5,769,098
19	220	$76,580	$10,336	$66,244	$5,702,854
19	221	$76,580	$10,218	$66,363	$5,636,491
19	222	$76,580	$10,099	$66,482	$5,570,010
19	223	$76,580	$9,980	$66,601	$5,503,409
19	224	$76,580	$9,860	$66,720	$5,436,689
19	225	$76,580	$9,741	$66,839	$5,369,850
19	226	$76,580	$9,621	$66,959	$5,302,891
19	227	$76,580	$9,501	$67,079	$5,235,811
19	228	$76,580	$9,381	$67,199	$5,168,612
20	229	$76,580	$9,260	$67,320	$5,101,292
20	230	$76,580	$9,140	$67,440	$5,033,852
20	231	$76,580	$9,019	$67,561	$4,966,291
20	232	$76,580	$8,898	$67,682	$4,898,608
20	233	$76,580	$8,777	$67,804	$4,830,805
20	234	$76,580	$8,655	$67,925	$4,762,880
20	235	$76,580	$8,533	$68,047	$4,694,833
20	236	$76,580	$8,412	$68,169	$4,626,664
20	237	$76,580	$8,289	$68,291	$4,558,374
20	238	$76,580	$8,167	$68,413	$4,489,960
20	239	$76,580	$8,045	$68,536	$4,421,425
20	240	$76,580	$7,922	$68,658	$4,352,766
21	241	$76,580	$7,799	$68,782	$4,283,985
21	242	$76,580	$7,675	$68,905	$4,215,080
21	243	$76,580	$7,552	$69,028	$4,146,052
21	244	$76,580	$7,428	$69,152	$4,076,900
21	245	$76,580	$7,304	$69,276	$4,007,624
21	246	$76,580	$7,180	$69,400	$3,938,224
21	247	$76,580	$7,056	$69,524	$3,868,700
21	248	$76,580	$6,931	$69,649	$3,799,051
21	249	$76,580	$6,807	$69,774	$3,729,278
21	250	$76,580	$6,682	$69,899	$3,659,379
21	251	$76,580	$6,556	$70,024	$3,589,355
21	252	$76,580	$6,431	$70,149	$3,519,206
22	253	$76,580	$6,305	$70,275	$3,448,931
22	254	$76,580	$6,179	$70,401	$3,378,530
22	255	$76,580	$6,053	$70,527	$3,308,003
22	256	$76,580	$5,927	$70,653	$3,237,350
22	257	$76,580	$5,800	$70,780	$3,166,570
22	258	$76,580	$5,673	$70,907	$3,095,663
22	259	$76,580	$5,546	$71,034	$3,024,629
22	260	$76,580	$5,419	$71,161	$2,953,468
22	261	$76,580	$5,292	$71,289	$2,882,180
22	262	$76,580	$5,164	$71,416	$2,810,763
22	263	$76,580	$5,036	$71,544	$2,739,219
22	264	$76,580	$4,908	$71,672	$2,667,546
23	265	$76,580	$4,779	$71,801	$2,595,746
23	266	$76,580	$4,651	$71,930	$2,523,816
23	267	$76,580	$4,522	$72,058	$2,451,758
23	268	$76,580	$4,393	$72,187	$2,379,570
23	269	$76,580	$4,263	$72,317	$2,307,253
23	270	$76,580	$4,134	$72,446	$2,234,807
23	271	$76,580	$4,004	$72,576	$2,162,231
23	272	$76,580	$3,874	$72,706	$2,089,525
23	273	$76,580	$3,744	$72,836	$2,016,688
23	274	$76,580	$3,613	$72,967	$1,943,721
23	275	$76,580	$3,483	$73,098	$1,870,623
23	276	$76,580	$3,352	$73,229	$1,797,395
24	277	$76,580	$3,220	$73,360	$1,724,035
24	278	$76,580	$3,089	$73,491	$1,650,544
24	279	$76,580	$2,957	$73,623	$1,576,921
24	280	$76,580	$2,825	$73,755	$1,503,166
24	281	$76,580	$2,693	$73,887	$1,429,279
24	282	$76,580	$2,561	$74,019	$1,355,259
24	283	$76,580	$2,428	$74,152	$1,281,107
24	284	$76,580	$2,295	$74,285	$1,206,822
24	285	$76,580	$2,162	$74,418	$1,132,404
24	286	$76,580	$2,029	$74,551	$1,057,853
24	287	$76,580	$1,895	$74,685	$983,168
24	288	$76,580	$1,762	$74,819	$908,349
25	289	$76,580	$1,627	$74,953	$833,397
25	290	$76,580	$1,493	$75,087	$758,310
25	291	$76,580	$1,359	$75,222	$683,088
25	292	$76,580	$1,224	$75,356	$607,732
25	293	$76,580	$1,089	$75,491	$532,240
25	294	$76,580	$954	$75,627	$456,614
25	295	$76,580	$818	$75,762	$380,852
25	296	$76,580	$682	$75,898	$304,954
25	297	$76,580	$546	$76,034	$228,920
25	298	$76,580	$410	$76,170	$152,750
25	299	$76,580	$274	$76,307	$76,443
25	300	$76,580	$137	$76,443	$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$ 11,840,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 12,136,000

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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.