Century 21 Centaland Property

Down Payment (HKD)

$15,600,000

Monthly Repayment (HKD)

$100,900

Loan Amount (HKD)

$23,400,000

Total Interest (HKD)

$6,869,882

Total Repayment (HKD)

$30,269,882

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$100,900	$41,925	$58,975	$23,341,025
1	2	$100,900	$41,819	$59,080	$23,281,945
1	3	$100,900	$41,713	$59,186	$23,222,759
1	4	$100,900	$41,607	$59,292	$23,163,467
1	5	$100,900	$41,501	$59,398	$23,104,068
1	6	$100,900	$41,395	$59,505	$23,044,564
1	7	$100,900	$41,288	$59,611	$22,984,952
1	8	$100,900	$41,181	$59,718	$22,925,234
1	9	$100,900	$41,074	$59,825	$22,865,409
1	10	$100,900	$40,967	$59,932	$22,805,476
1	11	$100,900	$40,860	$60,040	$22,745,437
1	12	$100,900	$40,752	$60,147	$22,685,289
2	13	$100,900	$40,644	$60,255	$22,625,034
2	14	$100,900	$40,537	$60,363	$22,564,671
2	15	$100,900	$40,428	$60,471	$22,504,200
2	16	$100,900	$40,320	$60,580	$22,443,620
2	17	$100,900	$40,211	$60,688	$22,382,932
2	18	$100,900	$40,103	$60,797	$22,322,135
2	19	$100,900	$39,994	$60,906	$22,261,229
2	20	$100,900	$39,885	$61,015	$22,200,214
2	21	$100,900	$39,775	$61,124	$22,139,090
2	22	$100,900	$39,666	$61,234	$22,077,856
2	23	$100,900	$39,556	$61,343	$22,016,513
2	24	$100,900	$39,446	$61,453	$21,955,060
3	25	$100,900	$39,336	$61,563	$21,893,496
3	26	$100,900	$39,226	$61,674	$21,831,822
3	27	$100,900	$39,115	$61,784	$21,770,038
3	28	$100,900	$39,005	$61,895	$21,708,143
3	29	$100,900	$38,894	$62,006	$21,646,137
3	30	$100,900	$38,783	$62,117	$21,584,020
3	31	$100,900	$38,671	$62,228	$21,521,792
3	32	$100,900	$38,560	$62,340	$21,459,452
3	33	$100,900	$38,448	$62,451	$21,397,001
3	34	$100,900	$38,336	$62,563	$21,334,438
3	35	$100,900	$38,224	$62,675	$21,271,762
3	36	$100,900	$38,112	$62,788	$21,208,975
4	37	$100,900	$37,999	$62,900	$21,146,074
4	38	$100,900	$37,887	$63,013	$21,083,062
4	39	$100,900	$37,774	$63,126	$21,019,936
4	40	$100,900	$37,661	$63,239	$20,956,697
4	41	$100,900	$37,547	$63,352	$20,893,345
4	42	$100,900	$37,434	$63,466	$20,829,879
4	43	$100,900	$37,320	$63,579	$20,766,300
4	44	$100,900	$37,206	$63,693	$20,702,606
4	45	$100,900	$37,092	$63,807	$20,638,799
4	46	$100,900	$36,978	$63,922	$20,574,877
4	47	$100,900	$36,863	$64,036	$20,510,841
4	48	$100,900	$36,749	$64,151	$20,446,690
5	49	$100,900	$36,634	$64,266	$20,382,424
5	50	$100,900	$36,519	$64,381	$20,318,043
5	51	$100,900	$36,403	$64,496	$20,253,546
5	52	$100,900	$36,288	$64,612	$20,188,934
5	53	$100,900	$36,172	$64,728	$20,124,206
5	54	$100,900	$36,056	$64,844	$20,059,363
5	55	$100,900	$35,940	$64,960	$19,994,403
5	56	$100,900	$35,823	$65,076	$19,929,326
5	57	$100,900	$35,707	$65,193	$19,864,134
5	58	$100,900	$35,590	$65,310	$19,798,824
5	59	$100,900	$35,473	$65,427	$19,733,397
5	60	$100,900	$35,356	$65,544	$19,667,853
6	61	$100,900	$35,238	$65,661	$19,602,192
6	62	$100,900	$35,121	$65,779	$19,536,413
6	63	$100,900	$35,003	$65,897	$19,470,516
6	64	$100,900	$34,885	$66,015	$19,404,501
6	65	$100,900	$34,766	$66,133	$19,338,368
6	66	$100,900	$34,648	$66,252	$19,272,116
6	67	$100,900	$34,529	$66,370	$19,205,746
6	68	$100,900	$34,410	$66,489	$19,139,256
6	69	$100,900	$34,291	$66,608	$19,072,648
6	70	$100,900	$34,172	$66,728	$19,005,920
6	71	$100,900	$34,052	$66,847	$18,939,073
6	72	$100,900	$33,933	$66,967	$18,872,106
7	73	$100,900	$33,813	$67,087	$18,805,019
7	74	$100,900	$33,692	$67,207	$18,737,811
7	75	$100,900	$33,572	$67,328	$18,670,484
7	76	$100,900	$33,451	$67,448	$18,603,035
7	77	$100,900	$33,330	$67,569	$18,535,466
7	78	$100,900	$33,209	$67,690	$18,467,776
7	79	$100,900	$33,088	$67,812	$18,399,964
7	80	$100,900	$32,967	$67,933	$18,332,031
7	81	$100,900	$32,845	$68,055	$18,263,977
7	82	$100,900	$32,723	$68,177	$18,195,800
7	83	$100,900	$32,601	$68,299	$18,127,501
7	84	$100,900	$32,478	$68,421	$18,059,080
8	85	$100,900	$32,356	$68,544	$17,990,536
8	86	$100,900	$32,233	$68,667	$17,921,870
8	87	$100,900	$32,110	$68,790	$17,853,080
8	88	$100,900	$31,987	$68,913	$17,784,167
8	89	$100,900	$31,863	$69,036	$17,715,131
8	90	$100,900	$31,740	$69,160	$17,645,971
8	91	$100,900	$31,616	$69,284	$17,576,687
8	92	$100,900	$31,492	$69,408	$17,507,279
8	93	$100,900	$31,367	$69,532	$17,437,747
8	94	$100,900	$31,243	$69,657	$17,368,090
8	95	$100,900	$31,118	$69,782	$17,298,308
8	96	$100,900	$30,993	$69,907	$17,228,401
9	97	$100,900	$30,868	$70,032	$17,158,369
9	98	$100,900	$30,742	$70,158	$17,088,212
9	99	$100,900	$30,616	$70,283	$17,017,928
9	100	$100,900	$30,490	$70,409	$16,947,519
9	101	$100,900	$30,364	$70,535	$16,876,984
9	102	$100,900	$30,238	$70,662	$16,806,322
9	103	$100,900	$30,111	$70,788	$16,735,534
9	104	$100,900	$29,984	$70,915	$16,664,619
9	105	$100,900	$29,857	$71,042	$16,593,577
9	106	$100,900	$29,730	$71,169	$16,522,407
9	107	$100,900	$29,603	$71,297	$16,451,110
9	108	$100,900	$29,475	$71,425	$16,379,686
10	109	$100,900	$29,347	$71,553	$16,308,133
10	110	$100,900	$29,219	$71,681	$16,236,452
10	111	$100,900	$29,090	$71,809	$16,164,643
10	112	$100,900	$28,962	$71,938	$16,092,705
10	113	$100,900	$28,833	$72,067	$16,020,638
10	114	$100,900	$28,704	$72,196	$15,948,442
10	115	$100,900	$28,574	$72,325	$15,876,117
10	116	$100,900	$28,445	$72,455	$15,803,662
10	117	$100,900	$28,315	$72,585	$15,731,077
10	118	$100,900	$28,185	$72,715	$15,658,362
10	119	$100,900	$28,055	$72,845	$15,585,517
10	120	$100,900	$27,924	$72,976	$15,512,542
11	121	$100,900	$27,793	$73,106	$15,439,435
11	122	$100,900	$27,662	$73,237	$15,366,198
11	123	$100,900	$27,531	$73,369	$15,292,830
11	124	$100,900	$27,400	$73,500	$15,219,330
11	125	$100,900	$27,268	$73,632	$15,145,698
11	126	$100,900	$27,136	$73,764	$15,071,934
11	127	$100,900	$27,004	$73,896	$14,998,039
11	128	$100,900	$26,871	$74,028	$14,924,011
11	129	$100,900	$26,739	$74,161	$14,849,850
11	130	$100,900	$26,606	$74,294	$14,775,556
11	131	$100,900	$26,473	$74,427	$14,701,129
11	132	$100,900	$26,340	$74,560	$14,626,569
12	133	$100,900	$26,206	$74,694	$14,551,876
12	134	$100,900	$26,072	$74,827	$14,477,048
12	135	$100,900	$25,938	$74,962	$14,402,087
12	136	$100,900	$25,804	$75,096	$14,326,991
12	137	$100,900	$25,669	$75,230	$14,251,760
12	138	$100,900	$25,534	$75,365	$14,176,395
12	139	$100,900	$25,399	$75,500	$14,100,895
12	140	$100,900	$25,264	$75,636	$14,025,259
12	141	$100,900	$25,129	$75,771	$13,949,488
12	142	$100,900	$24,993	$75,907	$13,873,582
12	143	$100,900	$24,857	$76,043	$13,797,539
12	144	$100,900	$24,721	$76,179	$13,721,360
13	145	$100,900	$24,584	$76,316	$13,645,044
13	146	$100,900	$24,447	$76,452	$13,568,592
13	147	$100,900	$24,310	$76,589	$13,492,003
13	148	$100,900	$24,173	$76,726	$13,415,276
13	149	$100,900	$24,036	$76,864	$13,338,412
13	150	$100,900	$23,898	$77,002	$13,261,411
13	151	$100,900	$23,760	$77,140	$13,184,271
13	152	$100,900	$23,622	$77,278	$13,106,994
13	153	$100,900	$23,483	$77,416	$13,029,577
13	154	$100,900	$23,345	$77,555	$12,952,022
13	155	$100,900	$23,206	$77,694	$12,874,328
13	156	$100,900	$23,067	$77,833	$12,796,495
14	157	$100,900	$22,927	$77,973	$12,718,523
14	158	$100,900	$22,787	$78,112	$12,640,411
14	159	$100,900	$22,647	$78,252	$12,562,158
14	160	$100,900	$22,507	$78,392	$12,483,766
14	161	$100,900	$22,367	$78,533	$12,405,233
14	162	$100,900	$22,226	$78,674	$12,326,559
14	163	$100,900	$22,085	$78,815	$12,247,745
14	164	$100,900	$21,944	$78,956	$12,168,789
14	165	$100,900	$21,802	$79,097	$12,089,692
14	166	$100,900	$21,661	$79,239	$12,010,453
14	167	$100,900	$21,519	$79,381	$11,931,072
14	168	$100,900	$21,377	$79,523	$11,851,549
15	169	$100,900	$21,234	$79,666	$11,771,884
15	170	$100,900	$21,091	$79,808	$11,692,075
15	171	$100,900	$20,948	$79,951	$11,612,124
15	172	$100,900	$20,805	$80,095	$11,532,029
15	173	$100,900	$20,662	$80,238	$11,451,791
15	174	$100,900	$20,518	$80,382	$11,371,409
15	175	$100,900	$20,374	$80,526	$11,290,884
15	176	$100,900	$20,229	$80,670	$11,210,214
15	177	$100,900	$20,085	$80,815	$11,129,399
15	178	$100,900	$19,940	$80,959	$11,048,439
15	179	$100,900	$19,795	$81,104	$10,967,335
15	180	$100,900	$19,650	$81,250	$10,886,085
16	181	$100,900	$19,504	$81,395	$10,804,690
16	182	$100,900	$19,358	$81,541	$10,723,149
16	183	$100,900	$19,212	$81,687	$10,641,461
16	184	$100,900	$19,066	$81,834	$10,559,628
16	185	$100,900	$18,919	$81,980	$10,477,647
16	186	$100,900	$18,772	$82,127	$10,395,520
16	187	$100,900	$18,625	$82,274	$10,313,246
16	188	$100,900	$18,478	$82,422	$10,230,824
16	189	$100,900	$18,330	$82,569	$10,148,255
16	190	$100,900	$18,182	$82,717	$10,065,538
16	191	$100,900	$18,034	$82,866	$9,982,672
16	192	$100,900	$17,886	$83,014	$9,899,658
17	193	$100,900	$17,737	$83,163	$9,816,495
17	194	$100,900	$17,588	$83,312	$9,733,184
17	195	$100,900	$17,439	$83,461	$9,649,723
17	196	$100,900	$17,289	$83,611	$9,566,112
17	197	$100,900	$17,139	$83,760	$9,482,352
17	198	$100,900	$16,989	$83,910	$9,398,441
17	199	$100,900	$16,839	$84,061	$9,314,381
17	200	$100,900	$16,688	$84,211	$9,230,169
17	201	$100,900	$16,537	$84,362	$9,145,807
17	202	$100,900	$16,386	$84,513	$9,061,294
17	203	$100,900	$16,235	$84,665	$8,976,629
17	204	$100,900	$16,083	$84,816	$8,891,812
18	205	$100,900	$15,931	$84,968	$8,806,844
18	206	$100,900	$15,779	$85,121	$8,721,723
18	207	$100,900	$15,626	$85,273	$8,636,450
18	208	$100,900	$15,474	$85,426	$8,551,024
18	209	$100,900	$15,321	$85,579	$8,465,445
18	210	$100,900	$15,167	$85,732	$8,379,713
18	211	$100,900	$15,014	$85,886	$8,293,827
18	212	$100,900	$14,860	$86,040	$8,207,787
18	213	$100,900	$14,706	$86,194	$8,121,593
18	214	$100,900	$14,551	$86,348	$8,035,245
18	215	$100,900	$14,396	$86,503	$7,948,741
18	216	$100,900	$14,241	$86,658	$7,862,083
19	217	$100,900	$14,086	$86,813	$7,775,270
19	218	$100,900	$13,931	$86,969	$7,688,301
19	219	$100,900	$13,775	$87,125	$7,601,176
19	220	$100,900	$13,619	$87,281	$7,513,895
19	221	$100,900	$13,462	$87,437	$7,426,458
19	222	$100,900	$13,306	$87,594	$7,338,864
19	223	$100,900	$13,149	$87,751	$7,251,114
19	224	$100,900	$12,992	$87,908	$7,163,206
19	225	$100,900	$12,834	$88,066	$7,075,140
19	226	$100,900	$12,676	$88,223	$6,986,917
19	227	$100,900	$12,518	$88,381	$6,898,535
19	228	$100,900	$12,360	$88,540	$6,809,996
20	229	$100,900	$12,201	$88,698	$6,721,297
20	230	$100,900	$12,042	$88,857	$6,632,440
20	231	$100,900	$11,883	$89,016	$6,543,423
20	232	$100,900	$11,724	$89,176	$6,454,247
20	233	$100,900	$11,564	$89,336	$6,364,912
20	234	$100,900	$11,404	$89,496	$6,275,416
20	235	$100,900	$11,243	$89,656	$6,185,760
20	236	$100,900	$11,083	$89,817	$6,095,943
20	237	$100,900	$10,922	$89,978	$6,005,965
20	238	$100,900	$10,761	$90,139	$5,915,826
20	239	$100,900	$10,599	$90,300	$5,825,526
20	240	$100,900	$10,437	$90,462	$5,735,064
21	241	$100,900	$10,275	$90,624	$5,644,439
21	242	$100,900	$10,113	$90,787	$5,553,653
21	243	$100,900	$9,950	$90,949	$5,462,703
21	244	$100,900	$9,787	$91,112	$5,371,591
21	245	$100,900	$9,624	$91,276	$5,280,316
21	246	$100,900	$9,461	$91,439	$5,188,877
21	247	$100,900	$9,297	$91,603	$5,097,274
21	248	$100,900	$9,133	$91,767	$5,005,507
21	249	$100,900	$8,968	$91,931	$4,913,575
21	250	$100,900	$8,803	$92,096	$4,821,479
21	251	$100,900	$8,638	$92,261	$4,729,218
21	252	$100,900	$8,473	$92,426	$4,636,792
22	253	$100,900	$8,308	$92,592	$4,544,200
22	254	$100,900	$8,142	$92,758	$4,451,442
22	255	$100,900	$7,975	$92,924	$4,358,518
22	256	$100,900	$7,809	$93,091	$4,265,427
22	257	$100,900	$7,642	$93,257	$4,172,170
22	258	$100,900	$7,475	$93,424	$4,078,745
22	259	$100,900	$7,308	$93,592	$3,985,153
22	260	$100,900	$7,140	$93,760	$3,891,394
22	261	$100,900	$6,972	$93,928	$3,797,466
22	262	$100,900	$6,804	$94,096	$3,703,370
22	263	$100,900	$6,635	$94,264	$3,609,106
22	264	$100,900	$6,466	$94,433	$3,514,673
23	265	$100,900	$6,297	$94,602	$3,420,070
23	266	$100,900	$6,128	$94,772	$3,325,298
23	267	$100,900	$5,958	$94,942	$3,230,357
23	268	$100,900	$5,788	$95,112	$3,135,245
23	269	$100,900	$5,617	$95,282	$3,039,962
23	270	$100,900	$5,447	$95,453	$2,944,509
23	271	$100,900	$5,276	$95,624	$2,848,885
23	272	$100,900	$5,104	$95,795	$2,753,090
23	273	$100,900	$4,933	$95,967	$2,657,123
23	274	$100,900	$4,761	$96,139	$2,560,984
23	275	$100,900	$4,588	$96,311	$2,464,673
23	276	$100,900	$4,416	$96,484	$2,368,189
24	277	$100,900	$4,243	$96,657	$2,271,532
24	278	$100,900	$4,070	$96,830	$2,174,703
24	279	$100,900	$3,896	$97,003	$2,077,699
24	280	$100,900	$3,723	$97,177	$1,980,522
24	281	$100,900	$3,548	$97,351	$1,883,171
24	282	$100,900	$3,374	$97,526	$1,785,646
24	283	$100,900	$3,199	$97,700	$1,687,945
24	284	$100,900	$3,024	$97,875	$1,590,070
24	285	$100,900	$2,849	$98,051	$1,492,019
24	286	$100,900	$2,673	$98,226	$1,393,793
24	287	$100,900	$2,497	$98,402	$1,295,390
24	288	$100,900	$2,321	$98,579	$1,196,812
25	289	$100,900	$2,144	$98,755	$1,098,056
25	290	$100,900	$1,967	$98,932	$999,124
25	291	$100,900	$1,790	$99,110	$900,015
25	292	$100,900	$1,613	$99,287	$800,728
25	293	$100,900	$1,435	$99,465	$701,263
25	294	$100,900	$1,256	$99,643	$601,619
25	295	$100,900	$1,078	$99,822	$501,798
25	296	$100,900	$899	$100,001	$401,797
25	297	$100,900	$720	$100,180	$301,617
25	298	$100,900	$540	$100,359	$201,258
25	299	$100,900	$361	$100,539	$100,719
25	300	$100,900	$180	$100,719	$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$ 15,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,990,000

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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.