Century 21 Centaland Property

Down Payment (HKD)

$11,520,000

Monthly Repayment (HKD)

$74,510

Loan Amount (HKD)

$17,280,000

Total Interest (HKD)

$5,073,144

Total Repayment (HKD)

$22,353,144

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$74,510	$30,960	$43,550	$17,236,450
1	2	$74,510	$30,882	$43,629	$17,192,821
1	3	$74,510	$30,804	$43,707	$17,149,114
1	4	$74,510	$30,725	$43,785	$17,105,329
1	5	$74,510	$30,647	$43,863	$17,061,466
1	6	$74,510	$30,568	$43,942	$17,017,524
1	7	$74,510	$30,490	$44,021	$16,973,503
1	8	$74,510	$30,411	$44,100	$16,929,404
1	9	$74,510	$30,332	$44,179	$16,885,225
1	10	$74,510	$30,253	$44,258	$16,840,967
1	11	$74,510	$30,173	$44,337	$16,796,630
1	12	$74,510	$30,094	$44,417	$16,752,214
2	13	$74,510	$30,014	$44,496	$16,707,717
2	14	$74,510	$29,935	$44,576	$16,663,142
2	15	$74,510	$29,855	$44,656	$16,618,486
2	16	$74,510	$29,775	$44,736	$16,573,750
2	17	$74,510	$29,695	$44,816	$16,528,934
2	18	$74,510	$29,614	$44,896	$16,484,038
2	19	$74,510	$29,534	$44,977	$16,439,062
2	20	$74,510	$29,453	$45,057	$16,394,005
2	21	$74,510	$29,373	$45,138	$16,348,867
2	22	$74,510	$29,292	$45,219	$16,303,648
2	23	$74,510	$29,211	$45,300	$16,258,348
2	24	$74,510	$29,130	$45,381	$16,212,967
3	25	$74,510	$29,048	$45,462	$16,167,505
3	26	$74,510	$28,967	$45,544	$16,121,961
3	27	$74,510	$28,885	$45,625	$16,076,336
3	28	$74,510	$28,803	$45,707	$16,030,629
3	29	$74,510	$28,722	$45,789	$15,984,840
3	30	$74,510	$28,640	$45,871	$15,938,969
3	31	$74,510	$28,557	$45,953	$15,893,016
3	32	$74,510	$28,475	$46,035	$15,846,980
3	33	$74,510	$28,393	$46,118	$15,800,862
3	34	$74,510	$28,310	$46,201	$15,754,662
3	35	$74,510	$28,227	$46,283	$15,708,378
3	36	$74,510	$28,144	$46,366	$15,662,012
4	37	$74,510	$28,061	$46,449	$15,615,563
4	38	$74,510	$27,978	$46,533	$15,569,030
4	39	$74,510	$27,895	$46,616	$15,522,414
4	40	$74,510	$27,811	$46,699	$15,475,715
4	41	$74,510	$27,727	$46,783	$15,428,931
4	42	$74,510	$27,644	$46,867	$15,382,064
4	43	$74,510	$27,560	$46,951	$15,335,114
4	44	$74,510	$27,475	$47,035	$15,288,078
4	45	$74,510	$27,391	$47,119	$15,240,959
4	46	$74,510	$27,307	$47,204	$15,193,755
4	47	$74,510	$27,222	$47,288	$15,146,467
4	48	$74,510	$27,137	$47,373	$15,099,094
5	49	$74,510	$27,053	$47,458	$15,051,636
5	50	$74,510	$26,968	$47,543	$15,004,093
5	51	$74,510	$26,882	$47,628	$14,956,465
5	52	$74,510	$26,797	$47,713	$14,908,751
5	53	$74,510	$26,712	$47,799	$14,860,952
5	54	$74,510	$26,626	$47,885	$14,813,068
5	55	$74,510	$26,540	$47,970	$14,765,097
5	56	$74,510	$26,454	$48,056	$14,717,041
5	57	$74,510	$26,368	$48,142	$14,668,899
5	58	$74,510	$26,282	$48,229	$14,620,670
5	59	$74,510	$26,195	$48,315	$14,572,355
5	60	$74,510	$26,109	$48,402	$14,523,953
6	61	$74,510	$26,022	$48,488	$14,475,465
6	62	$74,510	$25,935	$48,575	$14,426,889
6	63	$74,510	$25,848	$48,662	$14,378,227
6	64	$74,510	$25,761	$48,749	$14,329,478
6	65	$74,510	$25,674	$48,837	$14,280,641
6	66	$74,510	$25,586	$48,924	$14,231,717
6	67	$74,510	$25,498	$49,012	$14,182,705
6	68	$74,510	$25,411	$49,100	$14,133,605
6	69	$74,510	$25,323	$49,188	$14,084,417
6	70	$74,510	$25,235	$49,276	$14,035,141
6	71	$74,510	$25,146	$49,364	$13,985,777
6	72	$74,510	$25,058	$49,453	$13,936,324
7	73	$74,510	$24,969	$49,541	$13,886,783
7	74	$74,510	$24,880	$49,630	$13,837,153
7	75	$74,510	$24,792	$49,719	$13,787,434
7	76	$74,510	$24,702	$49,808	$13,737,626
7	77	$74,510	$24,613	$49,897	$13,687,729
7	78	$74,510	$24,524	$49,987	$13,637,742
7	79	$74,510	$24,434	$50,076	$13,587,666
7	80	$74,510	$24,345	$50,166	$13,537,500
7	81	$74,510	$24,255	$50,256	$13,487,244
7	82	$74,510	$24,165	$50,346	$13,436,899
7	83	$74,510	$24,074	$50,436	$13,386,463
7	84	$74,510	$23,984	$50,526	$13,335,936
8	85	$74,510	$23,894	$50,617	$13,285,319
8	86	$74,510	$23,803	$50,708	$13,234,612
8	87	$74,510	$23,712	$50,798	$13,183,813
8	88	$74,510	$23,621	$50,889	$13,132,924
8	89	$74,510	$23,530	$50,981	$13,081,943
8	90	$74,510	$23,438	$51,072	$13,030,871
8	91	$74,510	$23,347	$51,164	$12,979,707
8	92	$74,510	$23,255	$51,255	$12,928,452
8	93	$74,510	$23,163	$51,347	$12,877,105
8	94	$74,510	$23,071	$51,439	$12,825,666
8	95	$74,510	$22,979	$51,531	$12,774,135
8	96	$74,510	$22,887	$51,623	$12,722,512
9	97	$74,510	$22,795	$51,716	$12,670,796
9	98	$74,510	$22,702	$51,809	$12,618,987
9	99	$74,510	$22,609	$51,901	$12,567,086
9	100	$74,510	$22,516	$51,994	$12,515,091
9	101	$74,510	$22,423	$52,088	$12,463,003
9	102	$74,510	$22,330	$52,181	$12,410,823
9	103	$74,510	$22,236	$52,274	$12,358,548
9	104	$74,510	$22,142	$52,368	$12,306,180
9	105	$74,510	$22,049	$52,462	$12,253,718
9	106	$74,510	$21,955	$52,556	$12,201,162
9	107	$74,510	$21,860	$52,650	$12,148,512
9	108	$74,510	$21,766	$52,744	$12,095,768
10	109	$74,510	$21,672	$52,839	$12,042,929
10	110	$74,510	$21,577	$52,934	$11,989,995
10	111	$74,510	$21,482	$53,028	$11,936,967
10	112	$74,510	$21,387	$53,123	$11,883,844
10	113	$74,510	$21,292	$53,219	$11,830,625
10	114	$74,510	$21,197	$53,314	$11,777,311
10	115	$74,510	$21,101	$53,409	$11,723,902
10	116	$74,510	$21,005	$53,505	$11,670,396
10	117	$74,510	$20,909	$53,601	$11,616,795
10	118	$74,510	$20,813	$53,697	$11,563,098
10	119	$74,510	$20,717	$53,793	$11,509,305
10	120	$74,510	$20,621	$53,890	$11,455,415
11	121	$74,510	$20,524	$53,986	$11,401,429
11	122	$74,510	$20,428	$54,083	$11,347,346
11	123	$74,510	$20,331	$54,180	$11,293,166
11	124	$74,510	$20,234	$54,277	$11,238,890
11	125	$74,510	$20,136	$54,374	$11,184,515
11	126	$74,510	$20,039	$54,472	$11,130,044
11	127	$74,510	$19,941	$54,569	$11,075,475
11	128	$74,510	$19,844	$54,667	$11,020,808
11	129	$74,510	$19,746	$54,765	$10,966,043
11	130	$74,510	$19,647	$54,863	$10,911,180
11	131	$74,510	$19,549	$54,961	$10,856,219
11	132	$74,510	$19,451	$55,060	$10,801,159
12	133	$74,510	$19,352	$55,158	$10,746,000
12	134	$74,510	$19,253	$55,257	$10,690,743
12	135	$74,510	$19,154	$55,356	$10,635,387
12	136	$74,510	$19,055	$55,455	$10,579,932
12	137	$74,510	$18,956	$55,555	$10,524,377
12	138	$74,510	$18,856	$55,654	$10,468,723
12	139	$74,510	$18,756	$55,754	$10,412,969
12	140	$74,510	$18,657	$55,854	$10,357,115
12	141	$74,510	$18,556	$55,954	$10,301,161
12	142	$74,510	$18,456	$56,054	$10,245,106
12	143	$74,510	$18,356	$56,155	$10,188,952
12	144	$74,510	$18,255	$56,255	$10,132,696
13	145	$74,510	$18,154	$56,356	$10,076,340
13	146	$74,510	$18,053	$56,457	$10,019,883
13	147	$74,510	$17,952	$56,558	$9,963,325
13	148	$74,510	$17,851	$56,660	$9,906,666
13	149	$74,510	$17,749	$56,761	$9,849,905
13	150	$74,510	$17,648	$56,863	$9,793,042
13	151	$74,510	$17,546	$56,965	$9,736,077
13	152	$74,510	$17,444	$57,067	$9,679,011
13	153	$74,510	$17,342	$57,169	$9,621,842
13	154	$74,510	$17,239	$57,271	$9,564,570
13	155	$74,510	$17,137	$57,374	$9,507,196
13	156	$74,510	$17,034	$57,477	$9,449,720
14	157	$74,510	$16,931	$57,580	$9,392,140
14	158	$74,510	$16,828	$57,683	$9,334,457
14	159	$74,510	$16,724	$57,786	$9,276,671
14	160	$74,510	$16,621	$57,890	$9,218,781
14	161	$74,510	$16,517	$57,993	$9,160,787
14	162	$74,510	$16,413	$58,097	$9,102,690
14	163	$74,510	$16,309	$58,201	$9,044,489
14	164	$74,510	$16,205	$58,306	$8,986,183
14	165	$74,510	$16,100	$58,410	$8,927,773
14	166	$74,510	$15,996	$58,515	$8,869,258
14	167	$74,510	$15,891	$58,620	$8,810,638
14	168	$74,510	$15,786	$58,725	$8,751,913
15	169	$74,510	$15,681	$58,830	$8,693,083
15	170	$74,510	$15,575	$58,935	$8,634,148
15	171	$74,510	$15,470	$59,041	$8,575,107
15	172	$74,510	$15,364	$59,147	$8,515,960
15	173	$74,510	$15,258	$59,253	$8,456,707
15	174	$74,510	$15,152	$59,359	$8,397,349
15	175	$74,510	$15,045	$59,465	$8,337,883
15	176	$74,510	$14,939	$59,572	$8,278,312
15	177	$74,510	$14,832	$59,679	$8,218,633
15	178	$74,510	$14,725	$59,785	$8,158,848
15	179	$74,510	$14,618	$59,893	$8,098,955
15	180	$74,510	$14,511	$60,000	$8,038,955
16	181	$74,510	$14,403	$60,107	$7,978,848
16	182	$74,510	$14,295	$60,215	$7,918,633
16	183	$74,510	$14,188	$60,323	$7,858,310
16	184	$74,510	$14,079	$60,431	$7,797,879
16	185	$74,510	$13,971	$60,539	$7,737,340
16	186	$74,510	$13,863	$60,648	$7,676,692
16	187	$74,510	$13,754	$60,756	$7,615,935
16	188	$74,510	$13,645	$60,865	$7,555,070
16	189	$74,510	$13,536	$60,974	$7,494,096
16	190	$74,510	$13,427	$61,084	$7,433,012
16	191	$74,510	$13,317	$61,193	$7,371,819
16	192	$74,510	$13,208	$61,303	$7,310,517
17	193	$74,510	$13,098	$61,412	$7,249,104
17	194	$74,510	$12,988	$61,523	$7,187,582
17	195	$74,510	$12,878	$61,633	$7,125,949
17	196	$74,510	$12,767	$61,743	$7,064,206
17	197	$74,510	$12,657	$61,854	$7,002,352
17	198	$74,510	$12,546	$61,965	$6,940,387
17	199	$74,510	$12,435	$62,076	$6,878,312
17	200	$74,510	$12,324	$62,187	$6,816,125
17	201	$74,510	$12,212	$62,298	$6,753,827
17	202	$74,510	$12,101	$62,410	$6,691,417
17	203	$74,510	$11,989	$62,522	$6,628,895
17	204	$74,510	$11,877	$62,634	$6,566,261
18	205	$74,510	$11,765	$62,746	$6,503,516
18	206	$74,510	$11,652	$62,858	$6,440,657
18	207	$74,510	$11,540	$62,971	$6,377,686
18	208	$74,510	$11,427	$63,084	$6,314,602
18	209	$74,510	$11,314	$63,197	$6,251,406
18	210	$74,510	$11,200	$63,310	$6,188,096
18	211	$74,510	$11,087	$63,423	$6,124,672
18	212	$74,510	$10,973	$63,537	$6,061,135
18	213	$74,510	$10,860	$63,651	$5,997,484
18	214	$74,510	$10,745	$63,765	$5,933,719
18	215	$74,510	$10,631	$63,879	$5,869,840
18	216	$74,510	$10,517	$63,994	$5,805,846
19	217	$74,510	$10,402	$64,108	$5,741,738
19	218	$74,510	$10,287	$64,223	$5,677,515
19	219	$74,510	$10,172	$64,338	$5,613,176
19	220	$74,510	$10,057	$64,454	$5,548,723
19	221	$74,510	$9,941	$64,569	$5,484,154
19	222	$74,510	$9,826	$64,685	$5,419,469
19	223	$74,510	$9,710	$64,801	$5,354,668
19	224	$74,510	$9,594	$64,917	$5,289,752
19	225	$74,510	$9,477	$65,033	$5,224,719
19	226	$74,510	$9,361	$65,150	$5,159,569
19	227	$74,510	$9,244	$65,266	$5,094,303
19	228	$74,510	$9,127	$65,383	$5,028,920
20	229	$74,510	$9,010	$65,500	$4,963,419
20	230	$74,510	$8,893	$65,618	$4,897,802
20	231	$74,510	$8,775	$65,735	$4,832,067
20	232	$74,510	$8,657	$65,853	$4,766,214
20	233	$74,510	$8,539	$65,971	$4,700,242
20	234	$74,510	$8,421	$66,089	$4,634,153
20	235	$74,510	$8,303	$66,208	$4,567,946
20	236	$74,510	$8,184	$66,326	$4,501,619
20	237	$74,510	$8,065	$66,445	$4,435,174
20	238	$74,510	$7,946	$66,564	$4,368,610
20	239	$74,510	$7,827	$66,683	$4,301,927
20	240	$74,510	$7,708	$66,803	$4,235,124
21	241	$74,510	$7,588	$66,923	$4,168,201
21	242	$74,510	$7,468	$67,042	$4,101,159
21	243	$74,510	$7,348	$67,163	$4,033,996
21	244	$74,510	$7,228	$67,283	$3,966,713
21	245	$74,510	$7,107	$67,403	$3,899,310
21	246	$74,510	$6,986	$67,524	$3,831,786
21	247	$74,510	$6,865	$67,645	$3,764,141
21	248	$74,510	$6,744	$67,766	$3,696,374
21	249	$74,510	$6,623	$67,888	$3,628,486
21	250	$74,510	$6,501	$68,009	$3,560,477
21	251	$74,510	$6,379	$68,131	$3,492,346
21	252	$74,510	$6,257	$68,253	$3,424,092
22	253	$74,510	$6,135	$68,376	$3,355,717
22	254	$74,510	$6,012	$68,498	$3,287,219
22	255	$74,510	$5,890	$68,621	$3,218,598
22	256	$74,510	$5,767	$68,744	$3,149,854
22	257	$74,510	$5,643	$68,867	$3,080,987
22	258	$74,510	$5,520	$68,990	$3,011,996
22	259	$74,510	$5,396	$69,114	$2,942,882
22	260	$74,510	$5,273	$69,238	$2,873,645
22	261	$74,510	$5,149	$69,362	$2,804,283
22	262	$74,510	$5,024	$69,486	$2,734,797
22	263	$74,510	$4,900	$69,611	$2,665,186
22	264	$74,510	$4,775	$69,735	$2,595,451
23	265	$74,510	$4,650	$69,860	$2,525,590
23	266	$74,510	$4,525	$69,985	$2,455,605
23	267	$74,510	$4,400	$70,111	$2,385,494
23	268	$74,510	$4,274	$70,236	$2,315,258
23	269	$74,510	$4,148	$70,362	$2,244,895
23	270	$74,510	$4,022	$70,488	$2,174,407
23	271	$74,510	$3,896	$70,615	$2,103,792
23	272	$74,510	$3,769	$70,741	$2,033,051
23	273	$74,510	$3,643	$70,868	$1,962,183
23	274	$74,510	$3,516	$70,995	$1,891,188
23	275	$74,510	$3,388	$71,122	$1,820,066
23	276	$74,510	$3,261	$71,250	$1,748,817
24	277	$74,510	$3,133	$71,377	$1,677,439
24	278	$74,510	$3,005	$71,505	$1,605,934
24	279	$74,510	$2,877	$71,633	$1,534,301
24	280	$74,510	$2,749	$71,762	$1,462,540
24	281	$74,510	$2,620	$71,890	$1,390,650
24	282	$74,510	$2,492	$72,019	$1,318,631
24	283	$74,510	$2,363	$72,148	$1,246,483
24	284	$74,510	$2,233	$72,277	$1,174,205
24	285	$74,510	$2,104	$72,407	$1,101,799
24	286	$74,510	$1,974	$72,536	$1,029,262
24	287	$74,510	$1,844	$72,666	$956,596
24	288	$74,510	$1,714	$72,797	$883,799
25	289	$74,510	$1,583	$72,927	$810,872
25	290	$74,510	$1,453	$73,058	$737,815
25	291	$74,510	$1,322	$73,189	$664,626
25	292	$74,510	$1,191	$73,320	$591,306
25	293	$74,510	$1,059	$73,451	$517,855
25	294	$74,510	$928	$73,583	$444,273
25	295	$74,510	$796	$73,714	$370,558
25	296	$74,510	$664	$73,847	$296,712
25	297	$74,510	$532	$73,979	$222,733
25	298	$74,510	$399	$74,111	$148,621
25	299	$74,510	$266	$74,244	$74,377
25	300	$74,510	$133	$74,377	$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$ 11,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 11,808,000

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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.