Century 21 Centaland Property

Down Payment (HKD)

$20,304,000

Monthly Repayment (HKD)

$131,325

Loan Amount (HKD)

$30,456,000

Total Interest (HKD)

$8,941,416

Total Repayment (HKD)

$39,397,416

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$131,325	$54,567	$76,758	$30,379,242
1	2	$131,325	$54,429	$76,895	$30,302,347
1	3	$131,325	$54,292	$77,033	$30,225,314
1	4	$131,325	$54,154	$77,171	$30,148,143
1	5	$131,325	$54,015	$77,309	$30,070,834
1	6	$131,325	$53,877	$77,448	$29,993,386
1	7	$131,325	$53,738	$77,587	$29,915,799
1	8	$131,325	$53,599	$77,726	$29,838,074
1	9	$131,325	$53,460	$77,865	$29,760,209
1	10	$131,325	$53,320	$78,004	$29,682,205
1	11	$131,325	$53,181	$78,144	$29,604,060
1	12	$131,325	$53,041	$78,284	$29,525,776
2	13	$131,325	$52,900	$78,424	$29,447,352
2	14	$131,325	$52,760	$78,565	$29,368,787
2	15	$131,325	$52,619	$78,706	$29,290,081
2	16	$131,325	$52,478	$78,847	$29,211,235
2	17	$131,325	$52,337	$78,988	$29,132,247
2	18	$131,325	$52,195	$79,129	$29,053,117
2	19	$131,325	$52,054	$79,271	$28,973,846
2	20	$131,325	$51,911	$79,413	$28,894,433
2	21	$131,325	$51,769	$79,556	$28,814,877
2	22	$131,325	$51,627	$79,698	$28,735,179
2	23	$131,325	$51,484	$79,841	$28,655,338
2	24	$131,325	$51,341	$79,984	$28,575,355
3	25	$131,325	$51,198	$80,127	$28,495,227
3	26	$131,325	$51,054	$80,271	$28,414,957
3	27	$131,325	$50,910	$80,415	$28,334,542
3	28	$131,325	$50,766	$80,559	$28,253,983
3	29	$131,325	$50,622	$80,703	$28,173,280
3	30	$131,325	$50,477	$80,848	$28,092,433
3	31	$131,325	$50,332	$80,992	$28,011,440
3	32	$131,325	$50,187	$81,138	$27,930,303
3	33	$131,325	$50,042	$81,283	$27,849,020
3	34	$131,325	$49,896	$81,429	$27,767,591
3	35	$131,325	$49,750	$81,574	$27,686,017
3	36	$131,325	$49,604	$81,721	$27,604,296
4	37	$131,325	$49,458	$81,867	$27,522,429
4	38	$131,325	$49,311	$82,014	$27,440,415
4	39	$131,325	$49,164	$82,161	$27,358,255
4	40	$131,325	$49,017	$82,308	$27,275,947
4	41	$131,325	$48,869	$82,455	$27,193,492
4	42	$131,325	$48,722	$82,603	$27,110,889
4	43	$131,325	$48,574	$82,751	$27,028,138
4	44	$131,325	$48,425	$82,899	$26,945,238
4	45	$131,325	$48,277	$83,048	$26,862,190
4	46	$131,325	$48,128	$83,197	$26,778,994
4	47	$131,325	$47,979	$83,346	$26,695,648
4	48	$131,325	$47,830	$83,495	$26,612,153
5	49	$131,325	$47,680	$83,645	$26,528,508
5	50	$131,325	$47,530	$83,794	$26,444,714
5	51	$131,325	$47,380	$83,945	$26,360,769
5	52	$131,325	$47,230	$84,095	$26,276,674
5	53	$131,325	$47,079	$84,246	$26,192,429
5	54	$131,325	$46,928	$84,397	$26,108,032
5	55	$131,325	$46,777	$84,548	$26,023,484
5	56	$131,325	$46,625	$84,699	$25,938,785
5	57	$131,325	$46,474	$84,851	$25,853,934
5	58	$131,325	$46,322	$85,003	$25,768,931
5	59	$131,325	$46,169	$85,155	$25,683,775
5	60	$131,325	$46,017	$85,308	$25,598,467
6	61	$131,325	$45,864	$85,461	$25,513,007
6	62	$131,325	$45,711	$85,614	$25,427,393
6	63	$131,325	$45,557	$85,767	$25,341,625
6	64	$131,325	$45,404	$85,921	$25,255,704
6	65	$131,325	$45,250	$86,075	$25,169,630
6	66	$131,325	$45,096	$86,229	$25,083,400
6	67	$131,325	$44,941	$86,384	$24,997,017
6	68	$131,325	$44,786	$86,538	$24,910,478
6	69	$131,325	$44,631	$86,693	$24,823,785
6	70	$131,325	$44,476	$86,849	$24,736,936
6	71	$131,325	$44,320	$87,004	$24,649,932
6	72	$131,325	$44,164	$87,160	$24,562,772
7	73	$131,325	$44,008	$87,316	$24,475,455
7	74	$131,325	$43,852	$87,473	$24,387,982
7	75	$131,325	$43,695	$87,630	$24,300,353
7	76	$131,325	$43,538	$87,787	$24,212,566
7	77	$131,325	$43,381	$87,944	$24,124,622
7	78	$131,325	$43,223	$88,101	$24,036,521
7	79	$131,325	$43,065	$88,259	$23,948,261
7	80	$131,325	$42,907	$88,417	$23,859,844
7	81	$131,325	$42,749	$88,576	$23,771,268
7	82	$131,325	$42,590	$88,735	$23,682,534
7	83	$131,325	$42,431	$88,894	$23,593,640
7	84	$131,325	$42,272	$89,053	$23,504,587
8	85	$131,325	$42,112	$89,212	$23,415,375
8	86	$131,325	$41,953	$89,372	$23,326,003
8	87	$131,325	$41,792	$89,532	$23,236,471
8	88	$131,325	$41,632	$89,693	$23,146,778
8	89	$131,325	$41,471	$89,853	$23,056,924
8	90	$131,325	$41,310	$90,014	$22,966,910
8	91	$131,325	$41,149	$90,176	$22,876,734
8	92	$131,325	$40,987	$90,337	$22,786,397
8	93	$131,325	$40,826	$90,499	$22,695,898
8	94	$131,325	$40,663	$90,661	$22,605,237
8	95	$131,325	$40,501	$90,824	$22,514,413
8	96	$131,325	$40,338	$90,986	$22,423,427
9	97	$131,325	$40,175	$91,149	$22,332,277
9	98	$131,325	$40,012	$91,313	$22,240,965
9	99	$131,325	$39,848	$91,476	$22,149,488
9	100	$131,325	$39,684	$91,640	$22,057,848
9	101	$131,325	$39,520	$91,804	$21,966,044
9	102	$131,325	$39,356	$91,969	$21,874,075
9	103	$131,325	$39,191	$92,134	$21,781,941
9	104	$131,325	$39,026	$92,299	$21,689,642
9	105	$131,325	$38,861	$92,464	$21,597,178
9	106	$131,325	$38,695	$92,630	$21,504,548
9	107	$131,325	$38,529	$92,796	$21,411,753
9	108	$131,325	$38,363	$92,962	$21,318,791
10	109	$131,325	$38,196	$93,129	$21,225,662
10	110	$131,325	$38,029	$93,295	$21,132,367
10	111	$131,325	$37,862	$93,463	$21,038,904
10	112	$131,325	$37,695	$93,630	$20,945,274
10	113	$131,325	$37,527	$93,798	$20,851,476
10	114	$131,325	$37,359	$93,966	$20,757,511
10	115	$131,325	$37,191	$94,134	$20,663,376
10	116	$131,325	$37,022	$94,303	$20,569,074
10	117	$131,325	$36,853	$94,472	$20,474,602
10	118	$131,325	$36,684	$94,641	$20,379,961
10	119	$131,325	$36,514	$94,811	$20,285,150
10	120	$131,325	$36,344	$94,980	$20,190,170
11	121	$131,325	$36,174	$95,151	$20,095,019
11	122	$131,325	$36,004	$95,321	$19,999,698
11	123	$131,325	$35,833	$95,492	$19,904,206
11	124	$131,325	$35,662	$95,663	$19,808,543
11	125	$131,325	$35,490	$95,834	$19,712,708
11	126	$131,325	$35,319	$96,006	$19,616,702
11	127	$131,325	$35,147	$96,178	$19,520,524
11	128	$131,325	$34,974	$96,350	$19,424,174
11	129	$131,325	$34,802	$96,523	$19,327,651
11	130	$131,325	$34,629	$96,696	$19,230,955
11	131	$131,325	$34,455	$96,869	$19,134,085
11	132	$131,325	$34,282	$97,043	$19,037,043
12	133	$131,325	$34,108	$97,217	$18,939,826
12	134	$131,325	$33,934	$97,391	$18,842,435
12	135	$131,325	$33,759	$97,565	$18,744,870
12	136	$131,325	$33,585	$97,740	$18,647,129
12	137	$131,325	$33,409	$97,915	$18,549,214
12	138	$131,325	$33,234	$98,091	$18,451,123
12	139	$131,325	$33,058	$98,266	$18,352,857
12	140	$131,325	$32,882	$98,443	$18,254,415
12	141	$131,325	$32,706	$98,619	$18,155,796
12	142	$131,325	$32,529	$98,796	$18,057,000
12	143	$131,325	$32,352	$98,973	$17,958,027
12	144	$131,325	$32,175	$99,150	$17,858,878
13	145	$131,325	$31,997	$99,328	$17,759,550
13	146	$131,325	$31,819	$99,506	$17,660,044
13	147	$131,325	$31,641	$99,684	$17,560,361
13	148	$131,325	$31,462	$99,862	$17,460,498
13	149	$131,325	$31,283	$100,041	$17,360,457
13	150	$131,325	$31,104	$100,221	$17,260,236
13	151	$131,325	$30,925	$100,400	$17,159,836
13	152	$131,325	$30,745	$100,580	$17,059,256
13	153	$131,325	$30,565	$100,760	$16,958,496
13	154	$131,325	$30,384	$100,941	$16,857,555
13	155	$131,325	$30,203	$101,122	$16,756,434
13	156	$131,325	$30,022	$101,303	$16,655,131
14	157	$131,325	$29,840	$101,484	$16,553,647
14	158	$131,325	$29,659	$101,666	$16,451,980
14	159	$131,325	$29,476	$101,848	$16,350,132
14	160	$131,325	$29,294	$102,031	$16,248,101
14	161	$131,325	$29,111	$102,214	$16,145,888
14	162	$131,325	$28,928	$102,397	$16,043,491
14	163	$131,325	$28,745	$102,580	$15,940,911
14	164	$131,325	$28,561	$102,764	$15,838,147
14	165	$131,325	$28,377	$102,948	$15,735,199
14	166	$131,325	$28,192	$103,132	$15,632,067
14	167	$131,325	$28,007	$103,317	$15,528,749
14	168	$131,325	$27,822	$103,502	$15,425,247
15	169	$131,325	$27,637	$103,688	$15,321,559
15	170	$131,325	$27,451	$103,874	$15,217,686
15	171	$131,325	$27,265	$104,060	$15,113,626
15	172	$131,325	$27,079	$104,246	$15,009,380
15	173	$131,325	$26,892	$104,433	$14,904,947
15	174	$131,325	$26,705	$104,620	$14,800,327
15	175	$131,325	$26,517	$104,807	$14,695,519
15	176	$131,325	$26,329	$104,995	$14,590,524
15	177	$131,325	$26,141	$105,183	$14,485,341
15	178	$131,325	$25,953	$105,372	$14,379,969
15	179	$131,325	$25,764	$105,561	$14,274,408
15	180	$131,325	$25,575	$105,750	$14,168,659
16	181	$131,325	$25,386	$105,939	$14,062,719
16	182	$131,325	$25,196	$106,129	$13,956,590
16	183	$131,325	$25,006	$106,319	$13,850,271
16	184	$131,325	$24,815	$106,510	$13,743,762
16	185	$131,325	$24,624	$106,700	$13,637,061
16	186	$131,325	$24,433	$106,892	$13,530,169
16	187	$131,325	$24,242	$107,083	$13,423,086
16	188	$131,325	$24,050	$107,275	$13,315,811
16	189	$131,325	$23,857	$107,467	$13,208,344
16	190	$131,325	$23,665	$107,660	$13,100,684
16	191	$131,325	$23,472	$107,853	$12,992,832
16	192	$131,325	$23,279	$108,046	$12,884,786
17	193	$131,325	$23,085	$108,239	$12,776,546
17	194	$131,325	$22,891	$108,433	$12,668,113
17	195	$131,325	$22,697	$108,628	$12,559,485
17	196	$131,325	$22,502	$108,822	$12,450,663
17	197	$131,325	$22,307	$109,017	$12,341,645
17	198	$131,325	$22,112	$109,213	$12,232,433
17	199	$131,325	$21,916	$109,408	$12,123,025
17	200	$131,325	$21,720	$109,604	$12,013,420
17	201	$131,325	$21,524	$109,801	$11,903,620
17	202	$131,325	$21,327	$109,997	$11,793,622
17	203	$131,325	$21,130	$110,194	$11,683,428
17	204	$131,325	$20,933	$110,392	$11,573,036
18	205	$131,325	$20,735	$110,590	$11,462,446
18	206	$131,325	$20,537	$110,788	$11,351,658
18	207	$131,325	$20,338	$110,986	$11,240,672
18	208	$131,325	$20,140	$111,185	$11,129,487
18	209	$131,325	$19,940	$111,384	$11,018,102
18	210	$131,325	$19,741	$111,584	$10,906,518
18	211	$131,325	$19,541	$111,784	$10,794,735
18	212	$131,325	$19,341	$111,984	$10,682,750
18	213	$131,325	$19,140	$112,185	$10,570,566
18	214	$131,325	$18,939	$112,386	$10,458,180
18	215	$131,325	$18,738	$112,587	$10,345,593
18	216	$131,325	$18,536	$112,789	$10,232,804
19	217	$131,325	$18,334	$112,991	$10,119,813
19	218	$131,325	$18,131	$113,193	$10,006,619
19	219	$131,325	$17,929	$113,396	$9,893,223
19	220	$131,325	$17,725	$113,599	$9,779,624
19	221	$131,325	$17,522	$113,803	$9,665,821
19	222	$131,325	$17,318	$114,007	$9,551,814
19	223	$131,325	$17,114	$114,211	$9,437,603
19	224	$131,325	$16,909	$114,416	$9,323,187
19	225	$131,325	$16,704	$114,621	$9,208,567
19	226	$131,325	$16,499	$114,826	$9,093,741
19	227	$131,325	$16,293	$115,032	$8,978,709
19	228	$131,325	$16,087	$115,238	$8,863,471
20	229	$131,325	$15,880	$115,444	$8,748,027
20	230	$131,325	$15,674	$115,651	$8,632,376
20	231	$131,325	$15,466	$115,858	$8,516,517
20	232	$131,325	$15,259	$116,066	$8,400,451
20	233	$131,325	$15,051	$116,274	$8,284,177
20	234	$131,325	$14,842	$116,482	$8,167,695
20	235	$131,325	$14,634	$116,691	$8,051,004
20	236	$131,325	$14,425	$116,900	$7,934,104
20	237	$131,325	$14,215	$117,109	$7,816,995
20	238	$131,325	$14,005	$117,319	$7,699,675
20	239	$131,325	$13,795	$117,529	$7,582,146
20	240	$131,325	$13,585	$117,740	$7,464,406
21	241	$131,325	$13,374	$117,951	$7,346,455
21	242	$131,325	$13,162	$118,162	$7,228,293
21	243	$131,325	$12,951	$118,374	$7,109,919
21	244	$131,325	$12,739	$118,586	$6,991,333
21	245	$131,325	$12,526	$118,799	$6,872,534
21	246	$131,325	$12,313	$119,011	$6,753,523
21	247	$131,325	$12,100	$119,225	$6,634,298
21	248	$131,325	$11,886	$119,438	$6,514,860
21	249	$131,325	$11,672	$119,652	$6,395,207
21	250	$131,325	$11,458	$119,867	$6,275,341
21	251	$131,325	$11,243	$120,081	$6,155,259
21	252	$131,325	$11,028	$120,297	$6,034,963
22	253	$131,325	$10,813	$120,512	$5,914,451
22	254	$131,325	$10,597	$120,728	$5,793,723
22	255	$131,325	$10,380	$120,944	$5,672,778
22	256	$131,325	$10,164	$121,161	$5,551,617
22	257	$131,325	$9,947	$121,378	$5,430,239
22	258	$131,325	$9,729	$121,596	$5,308,644
22	259	$131,325	$9,511	$121,813	$5,186,830
22	260	$131,325	$9,293	$122,032	$5,064,799
22	261	$131,325	$9,074	$122,250	$4,942,548
22	262	$131,325	$8,855	$122,469	$4,820,079
22	263	$131,325	$8,636	$122,689	$4,697,390
22	264	$131,325	$8,416	$122,909	$4,574,482
23	265	$131,325	$8,196	$123,129	$4,451,353
23	266	$131,325	$7,975	$123,349	$4,328,004
23	267	$131,325	$7,754	$123,570	$4,204,433
23	268	$131,325	$7,533	$123,792	$4,080,641
23	269	$131,325	$7,311	$124,014	$3,956,628
23	270	$131,325	$7,089	$124,236	$3,832,392
23	271	$131,325	$6,866	$124,458	$3,707,934
23	272	$131,325	$6,643	$124,681	$3,583,252
23	273	$131,325	$6,420	$124,905	$3,458,348
23	274	$131,325	$6,196	$125,129	$3,333,219
23	275	$131,325	$5,972	$125,353	$3,207,866
23	276	$131,325	$5,747	$125,577	$3,082,289
24	277	$131,325	$5,522	$125,802	$2,956,487
24	278	$131,325	$5,297	$126,028	$2,830,459
24	279	$131,325	$5,071	$126,253	$2,704,206
24	280	$131,325	$4,845	$126,480	$2,577,726
24	281	$131,325	$4,618	$126,706	$2,451,020
24	282	$131,325	$4,391	$126,933	$2,324,086
24	283	$131,325	$4,164	$127,161	$2,196,926
24	284	$131,325	$3,936	$127,389	$2,069,537
24	285	$131,325	$3,708	$127,617	$1,941,920
24	286	$131,325	$3,479	$127,845	$1,814,075
24	287	$131,325	$3,250	$128,075	$1,686,000
24	288	$131,325	$3,021	$128,304	$1,557,696
25	289	$131,325	$2,791	$128,534	$1,429,163
25	290	$131,325	$2,561	$128,764	$1,300,398
25	291	$131,325	$2,330	$128,995	$1,171,404
25	292	$131,325	$2,099	$129,226	$1,042,178
25	293	$131,325	$1,867	$129,457	$912,720
25	294	$131,325	$1,635	$129,689	$783,031
25	295	$131,325	$1,403	$129,922	$653,109
25	296	$131,325	$1,170	$130,155	$522,954
25	297	$131,325	$937	$130,388	$392,567
25	298	$131,325	$703	$130,621	$261,945
25	299	$131,325	$469	$130,855	$131,090
25	300	$131,325	$235	$131,090	$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$ 20,304,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 20,811,600

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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.