Century 21 Centaland Property

Down Payment (HKD)

$21,600,000

Monthly Repayment (HKD)

$139,707

Loan Amount (HKD)

$32,400,000

Total Interest (HKD)

$9,512,145

Total Repayment (HKD)

$41,912,145

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$139,707	$58,050	$81,657	$32,318,343
1	2	$139,707	$57,904	$81,803	$32,236,539
1	3	$139,707	$57,757	$81,950	$32,154,589
1	4	$139,707	$57,610	$82,097	$32,072,493
1	5	$139,707	$57,463	$82,244	$31,990,249
1	6	$139,707	$57,316	$82,391	$31,907,857
1	7	$139,707	$57,168	$82,539	$31,825,318
1	8	$139,707	$57,020	$82,687	$31,742,632
1	9	$139,707	$56,872	$82,835	$31,659,797
1	10	$139,707	$56,724	$82,983	$31,576,813
1	11	$139,707	$56,575	$83,132	$31,493,681
1	12	$139,707	$56,426	$83,281	$31,410,400
2	13	$139,707	$56,277	$83,430	$31,326,970
2	14	$139,707	$56,127	$83,580	$31,243,391
2	15	$139,707	$55,978	$83,729	$31,159,661
2	16	$139,707	$55,828	$83,879	$31,075,782
2	17	$139,707	$55,677	$84,030	$30,991,752
2	18	$139,707	$55,527	$84,180	$30,907,572
2	19	$139,707	$55,376	$84,331	$30,823,241
2	20	$139,707	$55,225	$84,482	$30,738,758
2	21	$139,707	$55,074	$84,634	$30,654,125
2	22	$139,707	$54,922	$84,785	$30,569,340
2	23	$139,707	$54,770	$84,937	$30,484,403
2	24	$139,707	$54,618	$85,089	$30,399,313
3	25	$139,707	$54,465	$85,242	$30,314,072
3	26	$139,707	$54,313	$85,394	$30,228,677
3	27	$139,707	$54,160	$85,547	$30,143,130
3	28	$139,707	$54,006	$85,701	$30,057,429
3	29	$139,707	$53,853	$85,854	$29,971,575
3	30	$139,707	$53,699	$86,008	$29,885,567
3	31	$139,707	$53,545	$86,162	$29,799,405
3	32	$139,707	$53,391	$86,317	$29,713,088
3	33	$139,707	$53,236	$86,471	$29,626,617
3	34	$139,707	$53,081	$86,626	$29,539,991
3	35	$139,707	$52,926	$86,781	$29,453,209
3	36	$139,707	$52,770	$86,937	$29,366,273
4	37	$139,707	$52,615	$87,093	$29,279,180
4	38	$139,707	$52,459	$87,249	$29,191,931
4	39	$139,707	$52,302	$87,405	$29,104,526
4	40	$139,707	$52,146	$87,562	$29,016,965
4	41	$139,707	$51,989	$87,718	$28,929,246
4	42	$139,707	$51,832	$87,876	$28,841,371
4	43	$139,707	$51,674	$88,033	$28,753,338
4	44	$139,707	$51,516	$88,191	$28,665,147
4	45	$139,707	$51,358	$88,349	$28,576,798
4	46	$139,707	$51,200	$88,507	$28,488,291
4	47	$139,707	$51,042	$88,666	$28,399,626
4	48	$139,707	$50,883	$88,824	$28,310,801
5	49	$139,707	$50,724	$88,984	$28,221,818
5	50	$139,707	$50,564	$89,143	$28,132,674
5	51	$139,707	$50,404	$89,303	$28,043,372
5	52	$139,707	$50,244	$89,463	$27,953,909
5	53	$139,707	$50,084	$89,623	$27,864,286
5	54	$139,707	$49,924	$89,784	$27,774,502
5	55	$139,707	$49,763	$89,944	$27,684,558
5	56	$139,707	$49,601	$90,106	$27,594,452
5	57	$139,707	$49,440	$90,267	$27,504,185
5	58	$139,707	$49,278	$90,429	$27,413,756
5	59	$139,707	$49,116	$90,591	$27,323,165
5	60	$139,707	$48,954	$90,753	$27,232,412
6	61	$139,707	$48,791	$90,916	$27,141,496
6	62	$139,707	$48,629	$91,079	$27,050,418
6	63	$139,707	$48,465	$91,242	$26,959,176
6	64	$139,707	$48,302	$91,405	$26,867,771
6	65	$139,707	$48,138	$91,569	$26,776,202
6	66	$139,707	$47,974	$91,733	$26,684,469
6	67	$139,707	$47,810	$91,897	$26,592,571
6	68	$139,707	$47,645	$92,062	$26,500,509
6	69	$139,707	$47,480	$92,227	$26,408,282
6	70	$139,707	$47,315	$92,392	$26,315,890
6	71	$139,707	$47,149	$92,558	$26,223,332
6	72	$139,707	$46,983	$92,724	$26,130,608
7	73	$139,707	$46,817	$92,890	$26,037,718
7	74	$139,707	$46,651	$93,056	$25,944,662
7	75	$139,707	$46,484	$93,223	$25,851,439
7	76	$139,707	$46,317	$93,390	$25,758,049
7	77	$139,707	$46,150	$93,557	$25,664,492
7	78	$139,707	$45,982	$93,725	$25,570,767
7	79	$139,707	$45,814	$93,893	$25,476,874
7	80	$139,707	$45,646	$94,061	$25,382,813
7	81	$139,707	$45,478	$94,230	$25,288,583
7	82	$139,707	$45,309	$94,398	$25,194,185
7	83	$139,707	$45,140	$94,568	$25,099,617
7	84	$139,707	$44,970	$94,737	$25,004,880
8	85	$139,707	$44,800	$94,907	$24,909,973
8	86	$139,707	$44,630	$95,077	$24,814,897
8	87	$139,707	$44,460	$95,247	$24,719,650
8	88	$139,707	$44,289	$95,418	$24,624,232
8	89	$139,707	$44,118	$95,589	$24,528,643
8	90	$139,707	$43,947	$95,760	$24,432,883
8	91	$139,707	$43,776	$95,932	$24,336,951
8	92	$139,707	$43,604	$96,103	$24,240,848
8	93	$139,707	$43,432	$96,276	$24,144,572
8	94	$139,707	$43,259	$96,448	$24,048,124
8	95	$139,707	$43,086	$96,621	$23,951,503
8	96	$139,707	$42,913	$96,794	$23,854,709
9	97	$139,707	$42,740	$96,967	$23,757,742
9	98	$139,707	$42,566	$97,141	$23,660,601
9	99	$139,707	$42,392	$97,315	$23,563,285
9	100	$139,707	$42,218	$97,490	$23,465,796
9	101	$139,707	$42,043	$97,664	$23,368,132
9	102	$139,707	$41,868	$97,839	$23,270,292
9	103	$139,707	$41,693	$98,015	$23,172,278
9	104	$139,707	$41,517	$98,190	$23,074,088
9	105	$139,707	$41,341	$98,366	$22,975,722
9	106	$139,707	$41,165	$98,542	$22,877,179
9	107	$139,707	$40,988	$98,719	$22,778,460
9	108	$139,707	$40,811	$98,896	$22,679,565
10	109	$139,707	$40,634	$99,073	$22,580,492
10	110	$139,707	$40,457	$99,250	$22,481,241
10	111	$139,707	$40,279	$99,428	$22,381,813
10	112	$139,707	$40,101	$99,606	$22,282,207
10	113	$139,707	$39,922	$99,785	$22,182,422
10	114	$139,707	$39,744	$99,964	$22,082,458
10	115	$139,707	$39,564	$100,143	$21,982,315
10	116	$139,707	$39,385	$100,322	$21,881,993
10	117	$139,707	$39,205	$100,502	$21,781,491
10	118	$139,707	$39,025	$100,682	$21,680,809
10	119	$139,707	$38,845	$100,862	$21,579,947
10	120	$139,707	$38,664	$101,043	$21,478,904
11	121	$139,707	$38,483	$101,224	$21,377,680
11	122	$139,707	$38,302	$101,405	$21,276,274
11	123	$139,707	$38,120	$101,587	$21,174,687
11	124	$139,707	$37,938	$101,769	$21,072,918
11	125	$139,707	$37,756	$101,952	$20,970,966
11	126	$139,707	$37,573	$102,134	$20,868,832
11	127	$139,707	$37,390	$102,317	$20,766,515
11	128	$139,707	$37,207	$102,500	$20,664,015
11	129	$139,707	$37,023	$102,684	$20,561,330
11	130	$139,707	$36,839	$102,868	$20,458,462
11	131	$139,707	$36,655	$103,052	$20,355,410
11	132	$139,707	$36,470	$103,237	$20,252,173
12	133	$139,707	$36,285	$103,422	$20,148,751
12	134	$139,707	$36,100	$103,607	$20,045,144
12	135	$139,707	$35,914	$103,793	$19,941,351
12	136	$139,707	$35,728	$103,979	$19,837,372
12	137	$139,707	$35,542	$104,165	$19,733,207
12	138	$139,707	$35,355	$104,352	$19,628,855
12	139	$139,707	$35,168	$104,539	$19,524,316
12	140	$139,707	$34,981	$104,726	$19,419,590
12	141	$139,707	$34,793	$104,914	$19,314,676
12	142	$139,707	$34,605	$105,102	$19,209,575
12	143	$139,707	$34,417	$105,290	$19,104,285
12	144	$139,707	$34,229	$105,479	$18,998,806
13	145	$139,707	$34,040	$105,668	$18,893,138
13	146	$139,707	$33,850	$105,857	$18,787,281
13	147	$139,707	$33,661	$106,047	$18,681,235
13	148	$139,707	$33,471	$106,237	$18,574,998
13	149	$139,707	$33,280	$106,427	$18,468,571
13	150	$139,707	$33,090	$106,618	$18,361,954
13	151	$139,707	$32,899	$106,809	$18,255,145
13	152	$139,707	$32,707	$107,000	$18,148,145
13	153	$139,707	$32,515	$107,192	$18,040,953
13	154	$139,707	$32,323	$107,384	$17,933,569
13	155	$139,707	$32,131	$107,576	$17,825,993
13	156	$139,707	$31,938	$107,769	$17,718,224
14	157	$139,707	$31,745	$107,962	$17,610,262
14	158	$139,707	$31,552	$108,155	$17,502,107
14	159	$139,707	$31,358	$108,349	$17,393,758
14	160	$139,707	$31,164	$108,543	$17,285,214
14	161	$139,707	$30,969	$108,738	$17,176,477
14	162	$139,707	$30,775	$108,933	$17,067,544
14	163	$139,707	$30,579	$109,128	$16,958,416
14	164	$139,707	$30,384	$109,323	$16,849,093
14	165	$139,707	$30,188	$109,519	$16,739,574
14	166	$139,707	$29,992	$109,715	$16,629,858
14	167	$139,707	$29,795	$109,912	$16,519,946
14	168	$139,707	$29,598	$110,109	$16,409,837
15	169	$139,707	$29,401	$110,306	$16,299,531
15	170	$139,707	$29,203	$110,504	$16,189,027
15	171	$139,707	$29,005	$110,702	$16,078,325
15	172	$139,707	$28,807	$110,900	$15,967,425
15	173	$139,707	$28,608	$111,099	$15,856,326
15	174	$139,707	$28,409	$111,298	$15,745,029
15	175	$139,707	$28,210	$111,497	$15,633,531
15	176	$139,707	$28,010	$111,697	$15,521,834
15	177	$139,707	$27,810	$111,897	$15,409,937
15	178	$139,707	$27,609	$112,098	$15,297,839
15	179	$139,707	$27,409	$112,299	$15,185,541
15	180	$139,707	$27,207	$112,500	$15,073,041
16	181	$139,707	$27,006	$112,701	$14,960,340
16	182	$139,707	$26,804	$112,903	$14,847,437
16	183	$139,707	$26,602	$113,105	$14,734,331
16	184	$139,707	$26,399	$113,308	$14,621,023
16	185	$139,707	$26,196	$113,511	$14,507,512
16	186	$139,707	$25,993	$113,715	$14,393,797
16	187	$139,707	$25,789	$113,918	$14,279,879
16	188	$139,707	$25,585	$114,122	$14,165,757
16	189	$139,707	$25,380	$114,327	$14,051,430
16	190	$139,707	$25,175	$114,532	$13,936,898
16	191	$139,707	$24,970	$114,737	$13,822,161
16	192	$139,707	$24,765	$114,942	$13,707,219
17	193	$139,707	$24,559	$115,148	$13,592,070
17	194	$139,707	$24,352	$115,355	$13,476,716
17	195	$139,707	$24,146	$115,561	$13,361,154
17	196	$139,707	$23,939	$115,768	$13,245,386
17	197	$139,707	$23,731	$115,976	$13,129,410
17	198	$139,707	$23,524	$116,184	$13,013,226
17	199	$139,707	$23,315	$116,392	$12,896,835
17	200	$139,707	$23,107	$116,600	$12,780,234
17	201	$139,707	$22,898	$116,809	$12,663,425
17	202	$139,707	$22,689	$117,019	$12,546,407
17	203	$139,707	$22,479	$117,228	$12,429,178
17	204	$139,707	$22,269	$117,438	$12,311,740
18	205	$139,707	$22,059	$117,649	$12,194,092
18	206	$139,707	$21,848	$117,859	$12,076,232
18	207	$139,707	$21,637	$118,071	$11,958,162
18	208	$139,707	$21,425	$118,282	$11,839,880
18	209	$139,707	$21,213	$118,494	$11,721,386
18	210	$139,707	$21,001	$118,706	$11,602,679
18	211	$139,707	$20,788	$118,919	$11,483,760
18	212	$139,707	$20,575	$119,132	$11,364,628
18	213	$139,707	$20,362	$119,346	$11,245,283
18	214	$139,707	$20,148	$119,559	$11,125,723
18	215	$139,707	$19,934	$119,774	$11,005,950
18	216	$139,707	$19,719	$119,988	$10,885,961
19	217	$139,707	$19,504	$120,203	$10,765,758
19	218	$139,707	$19,289	$120,418	$10,645,340
19	219	$139,707	$19,073	$120,634	$10,524,706
19	220	$139,707	$18,857	$120,850	$10,403,855
19	221	$139,707	$18,640	$121,067	$10,282,788
19	222	$139,707	$18,423	$121,284	$10,161,505
19	223	$139,707	$18,206	$121,501	$10,040,003
19	224	$139,707	$17,988	$121,719	$9,918,285
19	225	$139,707	$17,770	$121,937	$9,796,348
19	226	$139,707	$17,552	$122,155	$9,674,192
19	227	$139,707	$17,333	$122,374	$9,551,818
19	228	$139,707	$17,114	$122,593	$9,429,225
20	229	$139,707	$16,894	$122,813	$9,306,412
20	230	$139,707	$16,674	$123,033	$9,183,378
20	231	$139,707	$16,454	$123,254	$9,060,125
20	232	$139,707	$16,233	$123,474	$8,936,650
20	233	$139,707	$16,011	$123,696	$8,812,955
20	234	$139,707	$15,790	$123,917	$8,689,037
20	235	$139,707	$15,568	$124,139	$8,564,898
20	236	$139,707	$15,345	$124,362	$8,440,536
20	237	$139,707	$15,123	$124,585	$8,315,952
20	238	$139,707	$14,899	$124,808	$8,191,144
20	239	$139,707	$14,676	$125,031	$8,066,113
20	240	$139,707	$14,452	$125,255	$7,940,857
21	241	$139,707	$14,227	$125,480	$7,815,378
21	242	$139,707	$14,003	$125,705	$7,689,673
21	243	$139,707	$13,777	$125,930	$7,563,743
21	244	$139,707	$13,552	$126,155	$7,437,588
21	245	$139,707	$13,326	$126,381	$7,311,206
21	246	$139,707	$13,099	$126,608	$7,184,598
21	247	$139,707	$12,872	$126,835	$7,057,764
21	248	$139,707	$12,645	$127,062	$6,930,702
21	249	$139,707	$12,418	$127,290	$6,803,412
21	250	$139,707	$12,189	$127,518	$6,675,894
21	251	$139,707	$11,961	$127,746	$6,548,148
21	252	$139,707	$11,732	$127,975	$6,420,173
22	253	$139,707	$11,503	$128,204	$6,291,969
22	254	$139,707	$11,273	$128,434	$6,163,535
22	255	$139,707	$11,043	$128,664	$6,034,871
22	256	$139,707	$10,812	$128,895	$5,905,976
22	257	$139,707	$10,582	$129,126	$5,776,850
22	258	$139,707	$10,350	$129,357	$5,647,493
22	259	$139,707	$10,118	$129,589	$5,517,905
22	260	$139,707	$9,886	$129,821	$5,388,084
22	261	$139,707	$9,654	$130,053	$5,258,030
22	262	$139,707	$9,421	$130,287	$5,127,744
22	263	$139,707	$9,187	$130,520	$4,997,224
22	264	$139,707	$8,953	$130,754	$4,866,470
23	265	$139,707	$8,719	$130,988	$4,735,482
23	266	$139,707	$8,484	$131,223	$4,604,259
23	267	$139,707	$8,249	$131,458	$4,472,801
23	268	$139,707	$8,014	$131,693	$4,341,108
23	269	$139,707	$7,778	$131,929	$4,209,179
23	270	$139,707	$7,541	$132,166	$4,077,013
23	271	$139,707	$7,305	$132,403	$3,944,610
23	272	$139,707	$7,067	$132,640	$3,811,971
23	273	$139,707	$6,830	$132,877	$3,679,093
23	274	$139,707	$6,592	$133,115	$3,545,978
23	275	$139,707	$6,353	$133,354	$3,412,624
23	276	$139,707	$6,114	$133,593	$3,279,031
24	277	$139,707	$5,875	$133,832	$3,145,199
24	278	$139,707	$5,635	$134,072	$3,011,127
24	279	$139,707	$5,395	$134,312	$2,876,815
24	280	$139,707	$5,154	$134,553	$2,742,262
24	281	$139,707	$4,913	$134,794	$2,607,468
24	282	$139,707	$4,672	$135,035	$2,472,432
24	283	$139,707	$4,430	$135,277	$2,337,155
24	284	$139,707	$4,187	$135,520	$2,201,635
24	285	$139,707	$3,945	$135,763	$2,065,873
24	286	$139,707	$3,701	$136,006	$1,929,867
24	287	$139,707	$3,458	$136,249	$1,793,617
24	288	$139,707	$3,214	$136,494	$1,657,124
25	289	$139,707	$2,969	$136,738	$1,520,386
25	290	$139,707	$2,724	$136,983	$1,383,403
25	291	$139,707	$2,479	$137,229	$1,246,174
25	292	$139,707	$2,233	$137,474	$1,108,700
25	293	$139,707	$1,986	$137,721	$970,979
25	294	$139,707	$1,740	$137,967	$833,011
25	295	$139,707	$1,492	$138,215	$694,797
25	296	$139,707	$1,245	$138,462	$556,334
25	297	$139,707	$997	$138,710	$417,624
25	298	$139,707	$748	$138,959	$278,665
25	299	$139,707	$499	$139,208	$139,457
25	300	$139,707	$250	$139,457	$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$ 21,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 22,140,000

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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.