Century 21 Centaland Property

Down Payment (HKD)

$15,520,000

Monthly Repayment (HKD)

$100,382

Loan Amount (HKD)

$23,280,000

Total Interest (HKD)

$6,834,652

Total Repayment (HKD)

$30,114,652

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$100,382	$41,710	$58,672	$23,221,328
1	2	$100,382	$41,605	$58,777	$23,162,551
1	3	$100,382	$41,500	$58,883	$23,103,668
1	4	$100,382	$41,394	$58,988	$23,044,680
1	5	$100,382	$41,288	$59,094	$22,985,586
1	6	$100,382	$41,183	$59,200	$22,926,386
1	7	$100,382	$41,076	$59,306	$22,867,081
1	8	$100,382	$40,970	$59,412	$22,807,669
1	9	$100,382	$40,864	$59,518	$22,748,150
1	10	$100,382	$40,757	$59,625	$22,688,525
1	11	$100,382	$40,650	$59,732	$22,628,793
1	12	$100,382	$40,543	$59,839	$22,568,954
2	13	$100,382	$40,436	$59,946	$22,509,008
2	14	$100,382	$40,329	$60,054	$22,448,955
2	15	$100,382	$40,221	$60,161	$22,388,794
2	16	$100,382	$40,113	$60,269	$22,328,525
2	17	$100,382	$40,005	$60,377	$22,268,148
2	18	$100,382	$39,897	$60,485	$22,207,663
2	19	$100,382	$39,789	$60,593	$22,147,069
2	20	$100,382	$39,680	$60,702	$22,086,367
2	21	$100,382	$39,571	$60,811	$22,025,556
2	22	$100,382	$39,462	$60,920	$21,964,637
2	23	$100,382	$39,353	$61,029	$21,903,608
2	24	$100,382	$39,244	$61,138	$21,842,470
3	25	$100,382	$39,134	$61,248	$21,781,222
3	26	$100,382	$39,025	$61,357	$21,719,864
3	27	$100,382	$38,915	$61,467	$21,658,397
3	28	$100,382	$38,805	$61,578	$21,596,819
3	29	$100,382	$38,694	$61,688	$21,535,132
3	30	$100,382	$38,584	$61,798	$21,473,333
3	31	$100,382	$38,473	$61,909	$21,411,424
3	32	$100,382	$38,362	$62,020	$21,349,404
3	33	$100,382	$38,251	$62,131	$21,287,273
3	34	$100,382	$38,140	$62,242	$21,225,030
3	35	$100,382	$38,028	$62,354	$21,162,676
3	36	$100,382	$37,916	$62,466	$21,100,211
4	37	$100,382	$37,805	$62,578	$21,037,633
4	38	$100,382	$37,692	$62,690	$20,974,943
4	39	$100,382	$37,580	$62,802	$20,912,141
4	40	$100,382	$37,468	$62,915	$20,849,227
4	41	$100,382	$37,355	$63,027	$20,786,199
4	42	$100,382	$37,242	$63,140	$20,723,059
4	43	$100,382	$37,129	$63,253	$20,659,806
4	44	$100,382	$37,015	$63,367	$20,596,439
4	45	$100,382	$36,902	$63,480	$20,532,959
4	46	$100,382	$36,788	$63,594	$20,469,365
4	47	$100,382	$36,674	$63,708	$20,405,657
4	48	$100,382	$36,560	$63,822	$20,341,835
5	49	$100,382	$36,446	$63,936	$20,277,899
5	50	$100,382	$36,331	$64,051	$20,213,848
5	51	$100,382	$36,216	$64,166	$20,149,682
5	52	$100,382	$36,102	$64,281	$20,085,401
5	53	$100,382	$35,986	$64,396	$20,021,005
5	54	$100,382	$35,871	$64,511	$19,956,494
5	55	$100,382	$35,755	$64,627	$19,891,867
5	56	$100,382	$35,640	$64,743	$19,827,125
5	57	$100,382	$35,524	$64,859	$19,762,266
5	58	$100,382	$35,407	$64,975	$19,697,291
5	59	$100,382	$35,291	$65,091	$19,632,200
5	60	$100,382	$35,174	$65,208	$19,566,992
6	61	$100,382	$35,058	$65,325	$19,501,668
6	62	$100,382	$34,940	$65,442	$19,436,226
6	63	$100,382	$34,823	$65,559	$19,370,667
6	64	$100,382	$34,706	$65,676	$19,304,991
6	65	$100,382	$34,588	$65,794	$19,239,197
6	66	$100,382	$34,470	$65,912	$19,173,285
6	67	$100,382	$34,352	$66,030	$19,107,255
6	68	$100,382	$34,234	$66,148	$19,041,106
6	69	$100,382	$34,115	$66,267	$18,974,840
6	70	$100,382	$33,997	$66,386	$18,908,454
6	71	$100,382	$33,878	$66,505	$18,841,949
6	72	$100,382	$33,758	$66,624	$18,775,326
7	73	$100,382	$33,639	$66,743	$18,708,583
7	74	$100,382	$33,520	$66,863	$18,641,720
7	75	$100,382	$33,400	$66,982	$18,574,738
7	76	$100,382	$33,280	$67,102	$18,507,635
7	77	$100,382	$33,160	$67,223	$18,440,413
7	78	$100,382	$33,039	$67,343	$18,373,069
7	79	$100,382	$32,918	$67,464	$18,305,606
7	80	$100,382	$32,798	$67,585	$18,238,021
7	81	$100,382	$32,676	$67,706	$18,170,315
7	82	$100,382	$32,555	$67,827	$18,102,488
7	83	$100,382	$32,434	$67,949	$18,034,540
7	84	$100,382	$32,312	$68,070	$17,966,469
8	85	$100,382	$32,190	$68,192	$17,898,277
8	86	$100,382	$32,068	$68,314	$17,829,963
8	87	$100,382	$31,945	$68,437	$17,761,526
8	88	$100,382	$31,823	$68,559	$17,692,967
8	89	$100,382	$31,700	$68,682	$17,624,284
8	90	$100,382	$31,577	$68,805	$17,555,479
8	91	$100,382	$31,454	$68,929	$17,486,550
8	92	$100,382	$31,330	$69,052	$17,417,498
8	93	$100,382	$31,206	$69,176	$17,348,322
8	94	$100,382	$31,082	$69,300	$17,279,023
8	95	$100,382	$30,958	$69,424	$17,209,599
8	96	$100,382	$30,834	$69,548	$17,140,050
9	97	$100,382	$30,709	$69,673	$17,070,377
9	98	$100,382	$30,584	$69,798	$17,000,580
9	99	$100,382	$30,459	$69,923	$16,930,657
9	100	$100,382	$30,334	$70,048	$16,860,609
9	101	$100,382	$30,209	$70,174	$16,790,435
9	102	$100,382	$30,083	$70,299	$16,720,136
9	103	$100,382	$29,957	$70,425	$16,649,711
9	104	$100,382	$29,831	$70,551	$16,579,159
9	105	$100,382	$29,704	$70,678	$16,508,481
9	106	$100,382	$29,578	$70,804	$16,437,677
9	107	$100,382	$29,451	$70,931	$16,366,746
9	108	$100,382	$29,324	$71,058	$16,295,687
10	109	$100,382	$29,196	$71,186	$16,224,501
10	110	$100,382	$29,069	$71,313	$16,153,188
10	111	$100,382	$28,941	$71,441	$16,081,747
10	112	$100,382	$28,813	$71,569	$16,010,178
10	113	$100,382	$28,685	$71,697	$15,938,481
10	114	$100,382	$28,556	$71,826	$15,866,655
10	115	$100,382	$28,428	$71,954	$15,794,701
10	116	$100,382	$28,299	$72,083	$15,722,617
10	117	$100,382	$28,170	$72,212	$15,650,405
10	118	$100,382	$28,040	$72,342	$15,578,063
10	119	$100,382	$27,911	$72,471	$15,505,591
10	120	$100,382	$27,781	$72,601	$15,432,990
11	121	$100,382	$27,651	$72,731	$15,360,259
11	122	$100,382	$27,520	$72,862	$15,287,397
11	123	$100,382	$27,390	$72,992	$15,214,405
11	124	$100,382	$27,259	$73,123	$15,141,282
11	125	$100,382	$27,128	$73,254	$15,068,028
11	126	$100,382	$26,997	$73,385	$14,994,642
11	127	$100,382	$26,865	$73,517	$14,921,126
11	128	$100,382	$26,734	$73,648	$14,847,477
11	129	$100,382	$26,602	$73,780	$14,773,697
11	130	$100,382	$26,470	$73,913	$14,699,784
11	131	$100,382	$26,337	$74,045	$14,625,739
11	132	$100,382	$26,204	$74,178	$14,551,561
12	133	$100,382	$26,072	$74,311	$14,477,251
12	134	$100,382	$25,938	$74,444	$14,402,807
12	135	$100,382	$25,805	$74,577	$14,328,230
12	136	$100,382	$25,671	$74,711	$14,253,519
12	137	$100,382	$25,538	$74,845	$14,178,674
12	138	$100,382	$25,403	$74,979	$14,103,696
12	139	$100,382	$25,269	$75,113	$14,028,583
12	140	$100,382	$25,135	$75,248	$13,953,335
12	141	$100,382	$25,000	$75,382	$13,877,953
12	142	$100,382	$24,865	$75,518	$13,802,435
12	143	$100,382	$24,729	$75,653	$13,726,782
12	144	$100,382	$24,594	$75,788	$13,650,994
13	145	$100,382	$24,458	$75,924	$13,575,070
13	146	$100,382	$24,322	$76,060	$13,499,010
13	147	$100,382	$24,186	$76,196	$13,422,813
13	148	$100,382	$24,049	$76,333	$13,346,480
13	149	$100,382	$23,912	$76,470	$13,270,010
13	150	$100,382	$23,775	$76,607	$13,193,404
13	151	$100,382	$23,638	$76,744	$13,116,660
13	152	$100,382	$23,501	$76,881	$13,039,778
13	153	$100,382	$23,363	$77,019	$12,962,759
13	154	$100,382	$23,225	$77,157	$12,885,602
13	155	$100,382	$23,087	$77,295	$12,808,306
13	156	$100,382	$22,948	$77,434	$12,730,872
14	157	$100,382	$22,809	$77,573	$12,653,300
14	158	$100,382	$22,670	$77,712	$12,575,588
14	159	$100,382	$22,531	$77,851	$12,497,737
14	160	$100,382	$22,392	$77,990	$12,419,747
14	161	$100,382	$22,252	$78,130	$12,341,616
14	162	$100,382	$22,112	$78,270	$12,263,346
14	163	$100,382	$21,972	$78,410	$12,184,936
14	164	$100,382	$21,831	$78,551	$12,106,385
14	165	$100,382	$21,691	$78,692	$12,027,694
14	166	$100,382	$21,550	$78,833	$11,948,861
14	167	$100,382	$21,408	$78,974	$11,869,887
14	168	$100,382	$21,267	$79,115	$11,790,772
15	169	$100,382	$21,125	$79,257	$11,711,515
15	170	$100,382	$20,983	$79,399	$11,632,116
15	171	$100,382	$20,841	$79,541	$11,552,575
15	172	$100,382	$20,698	$79,684	$11,472,891
15	173	$100,382	$20,556	$79,827	$11,393,064
15	174	$100,382	$20,413	$79,970	$11,313,095
15	175	$100,382	$20,269	$80,113	$11,232,982
15	176	$100,382	$20,126	$80,256	$11,152,725
15	177	$100,382	$19,982	$80,400	$11,072,325
15	178	$100,382	$19,838	$80,544	$10,991,781
15	179	$100,382	$19,694	$80,689	$10,911,092
15	180	$100,382	$19,549	$80,833	$10,830,259
16	181	$100,382	$19,404	$80,978	$10,749,281
16	182	$100,382	$19,259	$81,123	$10,668,158
16	183	$100,382	$19,114	$81,268	$10,586,890
16	184	$100,382	$18,968	$81,414	$10,505,476
16	185	$100,382	$18,822	$81,560	$10,423,916
16	186	$100,382	$18,676	$81,706	$10,342,210
16	187	$100,382	$18,530	$81,852	$10,260,357
16	188	$100,382	$18,383	$81,999	$10,178,358
16	189	$100,382	$18,236	$82,146	$10,096,213
16	190	$100,382	$18,089	$82,293	$10,013,919
16	191	$100,382	$17,942	$82,441	$9,931,479
16	192	$100,382	$17,794	$82,588	$9,848,891
17	193	$100,382	$17,646	$82,736	$9,766,154
17	194	$100,382	$17,498	$82,884	$9,683,270
17	195	$100,382	$17,349	$83,033	$9,600,237
17	196	$100,382	$17,200	$83,182	$9,517,055
17	197	$100,382	$17,051	$83,331	$9,433,724
17	198	$100,382	$16,902	$83,480	$9,350,244
17	199	$100,382	$16,753	$83,630	$9,266,615
17	200	$100,382	$16,603	$83,779	$9,182,835
17	201	$100,382	$16,453	$83,930	$9,098,905
17	202	$100,382	$16,302	$84,080	$9,014,825
17	203	$100,382	$16,152	$84,231	$8,930,595
17	204	$100,382	$16,001	$84,382	$8,846,213
18	205	$100,382	$15,849	$84,533	$8,761,681
18	206	$100,382	$15,698	$84,684	$8,676,996
18	207	$100,382	$15,546	$84,836	$8,592,161
18	208	$100,382	$15,394	$84,988	$8,507,173
18	209	$100,382	$15,242	$85,140	$8,422,033
18	210	$100,382	$15,089	$85,293	$8,336,740
18	211	$100,382	$14,937	$85,446	$8,251,294
18	212	$100,382	$14,784	$85,599	$8,165,696
18	213	$100,382	$14,630	$85,752	$8,079,944
18	214	$100,382	$14,477	$85,906	$7,994,038
18	215	$100,382	$14,323	$86,060	$7,907,979
18	216	$100,382	$14,168	$86,214	$7,821,765
19	217	$100,382	$14,014	$86,368	$7,735,397
19	218	$100,382	$13,859	$86,523	$7,648,874
19	219	$100,382	$13,704	$86,678	$7,562,196
19	220	$100,382	$13,549	$86,833	$7,475,363
19	221	$100,382	$13,393	$86,989	$7,388,374
19	222	$100,382	$13,238	$87,145	$7,301,229
19	223	$100,382	$13,081	$87,301	$7,213,928
19	224	$100,382	$12,925	$87,457	$7,126,471
19	225	$100,382	$12,768	$87,614	$7,038,857
19	226	$100,382	$12,611	$87,771	$6,951,086
19	227	$100,382	$12,454	$87,928	$6,863,158
19	228	$100,382	$12,296	$88,086	$6,775,073
20	229	$100,382	$12,139	$88,244	$6,686,829
20	230	$100,382	$11,981	$88,402	$6,598,427
20	231	$100,382	$11,822	$88,560	$6,509,867
20	232	$100,382	$11,664	$88,719	$6,421,149
20	233	$100,382	$11,505	$88,878	$6,332,271
20	234	$100,382	$11,345	$89,037	$6,243,234
20	235	$100,382	$11,186	$89,196	$6,154,038
20	236	$100,382	$11,026	$89,356	$6,064,682
20	237	$100,382	$10,866	$89,516	$5,975,165
20	238	$100,382	$10,706	$89,677	$5,885,489
20	239	$100,382	$10,545	$89,837	$5,795,651
20	240	$100,382	$10,384	$89,998	$5,705,653
21	241	$100,382	$10,223	$90,160	$5,615,494
21	242	$100,382	$10,061	$90,321	$5,525,172
21	243	$100,382	$9,899	$90,483	$5,434,690
21	244	$100,382	$9,737	$90,645	$5,344,045
21	245	$100,382	$9,575	$90,807	$5,253,237
21	246	$100,382	$9,412	$90,970	$5,162,267
21	247	$100,382	$9,249	$91,133	$5,071,134
21	248	$100,382	$9,086	$91,296	$4,979,837
21	249	$100,382	$8,922	$91,460	$4,888,378
21	250	$100,382	$8,758	$91,624	$4,796,754
21	251	$100,382	$8,594	$91,788	$4,704,966
21	252	$100,382	$8,430	$91,952	$4,613,013
22	253	$100,382	$8,265	$92,117	$4,520,896
22	254	$100,382	$8,100	$92,282	$4,428,614
22	255	$100,382	$7,935	$92,448	$4,336,166
22	256	$100,382	$7,769	$92,613	$4,243,553
22	257	$100,382	$7,603	$92,779	$4,150,774
22	258	$100,382	$7,437	$92,945	$4,057,829
22	259	$100,382	$7,270	$93,112	$3,964,717
22	260	$100,382	$7,103	$93,279	$3,871,438
22	261	$100,382	$6,936	$93,446	$3,777,992
22	262	$100,382	$6,769	$93,613	$3,684,379
22	263	$100,382	$6,601	$93,781	$3,590,598
22	264	$100,382	$6,433	$93,949	$3,496,649
23	265	$100,382	$6,265	$94,117	$3,402,531
23	266	$100,382	$6,096	$94,286	$3,308,245
23	267	$100,382	$5,927	$94,455	$3,213,791
23	268	$100,382	$5,758	$94,624	$3,119,166
23	269	$100,382	$5,589	$94,794	$3,024,373
23	270	$100,382	$5,419	$94,964	$2,929,409
23	271	$100,382	$5,249	$95,134	$2,834,276
23	272	$100,382	$5,078	$95,304	$2,738,972
23	273	$100,382	$4,907	$95,475	$2,643,497
23	274	$100,382	$4,736	$95,646	$2,547,851
23	275	$100,382	$4,565	$95,817	$2,452,033
23	276	$100,382	$4,393	$95,989	$2,356,045
24	277	$100,382	$4,221	$96,161	$2,259,884
24	278	$100,382	$4,049	$96,333	$2,163,550
24	279	$100,382	$3,876	$96,506	$2,067,045
24	280	$100,382	$3,703	$96,679	$1,970,366
24	281	$100,382	$3,530	$96,852	$1,873,514
24	282	$100,382	$3,357	$97,025	$1,776,488
24	283	$100,382	$3,183	$97,199	$1,679,289
24	284	$100,382	$3,009	$97,373	$1,581,916
24	285	$100,382	$2,834	$97,548	$1,484,368
24	286	$100,382	$2,659	$97,723	$1,386,645
24	287	$100,382	$2,484	$97,898	$1,288,747
24	288	$100,382	$2,309	$98,073	$1,190,674
25	289	$100,382	$2,133	$98,249	$1,092,425
25	290	$100,382	$1,957	$98,425	$994,000
25	291	$100,382	$1,781	$98,601	$895,399
25	292	$100,382	$1,604	$98,778	$796,621
25	293	$100,382	$1,427	$98,955	$697,666
25	294	$100,382	$1,250	$99,132	$598,534
25	295	$100,382	$1,072	$99,310	$499,224
25	296	$100,382	$894	$99,488	$399,737
25	297	$100,382	$716	$99,666	$300,071
25	298	$100,382	$538	$99,845	$200,226
25	299	$100,382	$359	$100,023	$100,203
25	300	$100,382	$180	$100,203	$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$ 15,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,908,000

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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.