Century 21 Centaland Property

Down Payment (HKD)

$16,000,000

Monthly Repayment (HKD)

$103,487

Loan Amount (HKD)

$24,000,000

Total Interest (HKD)

$7,046,033

Total Repayment (HKD)

$31,046,033

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$103,487	$43,000	$60,487	$23,939,513
1	2	$103,487	$42,892	$60,595	$23,878,918
1	3	$103,487	$42,783	$60,704	$23,818,214
1	4	$103,487	$42,674	$60,812	$23,757,402
1	5	$103,487	$42,565	$60,921	$23,696,480
1	6	$103,487	$42,456	$61,031	$23,635,450
1	7	$103,487	$42,347	$61,140	$23,574,310
1	8	$103,487	$42,237	$61,249	$23,513,060
1	9	$103,487	$42,128	$61,359	$23,451,701
1	10	$103,487	$42,018	$61,469	$23,390,232
1	11	$103,487	$41,907	$61,579	$23,328,653
1	12	$103,487	$41,797	$61,690	$23,266,963
2	13	$103,487	$41,687	$61,800	$23,205,163
2	14	$103,487	$41,576	$61,911	$23,143,252
2	15	$103,487	$41,465	$62,022	$23,081,230
2	16	$103,487	$41,354	$62,133	$23,019,098
2	17	$103,487	$41,243	$62,244	$22,956,853
2	18	$103,487	$41,131	$62,356	$22,894,498
2	19	$103,487	$41,019	$62,467	$22,832,030
2	20	$103,487	$40,907	$62,579	$22,769,451
2	21	$103,487	$40,795	$62,692	$22,706,759
2	22	$103,487	$40,683	$62,804	$22,643,955
2	23	$103,487	$40,570	$62,916	$22,581,039
2	24	$103,487	$40,458	$63,029	$22,518,010
3	25	$103,487	$40,345	$63,142	$22,454,868
3	26	$103,487	$40,232	$63,255	$22,391,613
3	27	$103,487	$40,118	$63,368	$22,328,244
3	28	$103,487	$40,005	$63,482	$22,264,762
3	29	$103,487	$39,891	$63,596	$22,201,167
3	30	$103,487	$39,777	$63,710	$22,137,457
3	31	$103,487	$39,663	$63,824	$22,073,633
3	32	$103,487	$39,549	$63,938	$22,009,695
3	33	$103,487	$39,434	$64,053	$21,945,642
3	34	$103,487	$39,319	$64,168	$21,881,475
3	35	$103,487	$39,204	$64,282	$21,817,192
3	36	$103,487	$39,089	$64,398	$21,752,794
4	37	$103,487	$38,974	$64,513	$21,688,281
4	38	$103,487	$38,858	$64,629	$21,623,653
4	39	$103,487	$38,742	$64,744	$21,558,908
4	40	$103,487	$38,626	$64,860	$21,494,048
4	41	$103,487	$38,510	$64,977	$21,429,071
4	42	$103,487	$38,394	$65,093	$21,363,978
4	43	$103,487	$38,277	$65,210	$21,298,769
4	44	$103,487	$38,160	$65,326	$21,233,442
4	45	$103,487	$38,043	$65,444	$21,167,999
4	46	$103,487	$37,926	$65,561	$21,102,438
4	47	$103,487	$37,809	$65,678	$21,036,760
4	48	$103,487	$37,691	$65,796	$20,970,964
5	49	$103,487	$37,573	$65,914	$20,905,050
5	50	$103,487	$37,455	$66,032	$20,839,018
5	51	$103,487	$37,337	$66,150	$20,772,868
5	52	$103,487	$37,218	$66,269	$20,706,599
5	53	$103,487	$37,099	$66,387	$20,640,212
5	54	$103,487	$36,980	$66,506	$20,573,705
5	55	$103,487	$36,861	$66,626	$20,507,080
5	56	$103,487	$36,742	$66,745	$20,440,335
5	57	$103,487	$36,622	$66,865	$20,373,470
5	58	$103,487	$36,502	$66,984	$20,306,486
5	59	$103,487	$36,382	$67,104	$20,239,382
5	60	$103,487	$36,262	$67,225	$20,172,157
6	61	$103,487	$36,142	$67,345	$20,104,812
6	62	$103,487	$36,021	$67,466	$20,037,347
6	63	$103,487	$35,900	$67,587	$19,969,760
6	64	$103,487	$35,779	$67,708	$19,902,052
6	65	$103,487	$35,658	$67,829	$19,834,223
6	66	$103,487	$35,536	$67,950	$19,766,273
6	67	$103,487	$35,415	$68,072	$19,698,201
6	68	$103,487	$35,293	$68,194	$19,630,007
6	69	$103,487	$35,170	$68,316	$19,561,690
6	70	$103,487	$35,048	$68,439	$19,493,252
6	71	$103,487	$34,925	$68,561	$19,424,690
6	72	$103,487	$34,803	$68,684	$19,356,006
7	73	$103,487	$34,680	$68,807	$19,287,199
7	74	$103,487	$34,556	$68,931	$19,218,268
7	75	$103,487	$34,433	$69,054	$19,149,214
7	76	$103,487	$34,309	$69,178	$19,080,036
7	77	$103,487	$34,185	$69,302	$19,010,735
7	78	$103,487	$34,061	$69,426	$18,941,309
7	79	$103,487	$33,937	$69,550	$18,871,758
7	80	$103,487	$33,812	$69,675	$18,802,084
7	81	$103,487	$33,687	$69,800	$18,732,284
7	82	$103,487	$33,562	$69,925	$18,662,359
7	83	$103,487	$33,437	$70,050	$18,592,309
7	84	$103,487	$33,311	$70,176	$18,522,133
8	85	$103,487	$33,185	$70,301	$18,451,832
8	86	$103,487	$33,060	$70,427	$18,381,405
8	87	$103,487	$32,933	$70,553	$18,310,852
8	88	$103,487	$32,807	$70,680	$18,240,172
8	89	$103,487	$32,680	$70,806	$18,169,365
8	90	$103,487	$32,553	$70,933	$18,098,432
8	91	$103,487	$32,426	$71,060	$18,027,371
8	92	$103,487	$32,299	$71,188	$17,956,184
8	93	$103,487	$32,171	$71,315	$17,884,868
8	94	$103,487	$32,044	$71,443	$17,813,425
8	95	$103,487	$31,916	$71,571	$17,741,854
8	96	$103,487	$31,787	$71,699	$17,670,155
9	97	$103,487	$31,659	$71,828	$17,598,327
9	98	$103,487	$31,530	$71,956	$17,526,371
9	99	$103,487	$31,401	$72,085	$17,454,285
9	100	$103,487	$31,272	$72,215	$17,382,071
9	101	$103,487	$31,143	$72,344	$17,309,727
9	102	$103,487	$31,013	$72,474	$17,237,254
9	103	$103,487	$30,883	$72,603	$17,164,650
9	104	$103,487	$30,753	$72,733	$17,091,917
9	105	$103,487	$30,623	$72,864	$17,019,053
9	106	$103,487	$30,492	$72,994	$16,946,059
9	107	$103,487	$30,362	$73,125	$16,872,934
9	108	$103,487	$30,231	$73,256	$16,799,677
10	109	$103,487	$30,099	$73,387	$16,726,290
10	110	$103,487	$29,968	$73,519	$16,652,771
10	111	$103,487	$29,836	$73,651	$16,579,121
10	112	$103,487	$29,704	$73,783	$16,505,338
10	113	$103,487	$29,572	$73,915	$16,431,423
10	114	$103,487	$29,440	$74,047	$16,357,376
10	115	$103,487	$29,307	$74,180	$16,283,197
10	116	$103,487	$29,174	$74,313	$16,208,884
10	117	$103,487	$29,041	$74,446	$16,134,438
10	118	$103,487	$28,908	$74,579	$16,059,859
10	119	$103,487	$28,774	$74,713	$15,985,146
10	120	$103,487	$28,640	$74,847	$15,910,299
11	121	$103,487	$28,506	$74,981	$15,835,318
11	122	$103,487	$28,372	$75,115	$15,760,203
11	123	$103,487	$28,237	$75,250	$15,684,953
11	124	$103,487	$28,102	$75,385	$15,609,569
11	125	$103,487	$27,967	$75,520	$15,534,049
11	126	$103,487	$27,832	$75,655	$15,458,394
11	127	$103,487	$27,696	$75,790	$15,382,604
11	128	$103,487	$27,560	$75,926	$15,306,677
11	129	$103,487	$27,424	$76,062	$15,230,615
11	130	$103,487	$27,288	$76,199	$15,154,417
11	131	$103,487	$27,152	$76,335	$15,078,081
11	132	$103,487	$27,015	$76,472	$15,001,610
12	133	$103,487	$26,878	$76,609	$14,925,001
12	134	$103,487	$26,741	$76,746	$14,848,255
12	135	$103,487	$26,603	$76,884	$14,771,371
12	136	$103,487	$26,465	$77,021	$14,694,349
12	137	$103,487	$26,327	$77,159	$14,617,190
12	138	$103,487	$26,189	$77,298	$14,539,892
12	139	$103,487	$26,051	$77,436	$14,462,456
12	140	$103,487	$25,912	$77,575	$14,384,881
12	141	$103,487	$25,773	$77,714	$14,307,168
12	142	$103,487	$25,634	$77,853	$14,229,314
12	143	$103,487	$25,494	$77,993	$14,151,322
12	144	$103,487	$25,354	$78,132	$14,073,190
13	145	$103,487	$25,214	$78,272	$13,994,917
13	146	$103,487	$25,074	$78,413	$13,916,505
13	147	$103,487	$24,934	$78,553	$13,837,952
13	148	$103,487	$24,793	$78,694	$13,759,258
13	149	$103,487	$24,652	$78,835	$13,680,423
13	150	$103,487	$24,511	$78,976	$13,601,447
13	151	$103,487	$24,369	$79,118	$13,522,330
13	152	$103,487	$24,228	$79,259	$13,443,070
13	153	$103,487	$24,086	$79,401	$13,363,669
13	154	$103,487	$23,943	$79,544	$13,284,125
13	155	$103,487	$23,801	$79,686	$13,204,439
13	156	$103,487	$23,658	$79,829	$13,124,611
14	157	$103,487	$23,515	$79,972	$13,044,639
14	158	$103,487	$23,372	$80,115	$12,964,524
14	159	$103,487	$23,228	$80,259	$12,884,265
14	160	$103,487	$23,084	$80,402	$12,803,862
14	161	$103,487	$22,940	$80,547	$12,723,316
14	162	$103,487	$22,796	$80,691	$12,642,625
14	163	$103,487	$22,651	$80,835	$12,561,790
14	164	$103,487	$22,507	$80,980	$12,480,809
14	165	$103,487	$22,361	$81,125	$12,399,684
14	166	$103,487	$22,216	$81,271	$12,318,413
14	167	$103,487	$22,070	$81,416	$12,236,997
14	168	$103,487	$21,925	$81,562	$12,155,435
15	169	$103,487	$21,778	$81,708	$12,073,727
15	170	$103,487	$21,632	$81,855	$11,991,872
15	171	$103,487	$21,485	$82,001	$11,909,871
15	172	$103,487	$21,339	$82,148	$11,827,722
15	173	$103,487	$21,191	$82,295	$11,745,427
15	174	$103,487	$21,044	$82,443	$11,662,984
15	175	$103,487	$20,896	$82,591	$11,580,394
15	176	$103,487	$20,748	$82,739	$11,497,655
15	177	$103,487	$20,600	$82,887	$11,414,768
15	178	$103,487	$20,451	$83,035	$11,331,733
15	179	$103,487	$20,303	$83,184	$11,248,549
15	180	$103,487	$20,154	$83,333	$11,165,216
16	181	$103,487	$20,004	$83,482	$11,081,733
16	182	$103,487	$19,855	$83,632	$10,998,101
16	183	$103,487	$19,705	$83,782	$10,914,319
16	184	$103,487	$19,555	$83,932	$10,830,387
16	185	$103,487	$19,404	$84,082	$10,746,305
16	186	$103,487	$19,254	$84,233	$10,662,072
16	187	$103,487	$19,103	$84,384	$10,577,688
16	188	$103,487	$18,952	$84,535	$10,493,153
16	189	$103,487	$18,800	$84,687	$10,408,466
16	190	$103,487	$18,649	$84,838	$10,323,628
16	191	$103,487	$18,497	$84,990	$10,238,638
16	192	$103,487	$18,344	$85,143	$10,153,495
17	193	$103,487	$18,192	$85,295	$10,068,200
17	194	$103,487	$18,039	$85,448	$9,982,752
17	195	$103,487	$17,886	$85,601	$9,897,151
17	196	$103,487	$17,732	$85,754	$9,811,397
17	197	$103,487	$17,579	$85,908	$9,725,489
17	198	$103,487	$17,425	$86,062	$9,639,427
17	199	$103,487	$17,271	$86,216	$9,553,211
17	200	$103,487	$17,116	$86,371	$9,466,840
17	201	$103,487	$16,961	$86,525	$9,380,315
17	202	$103,487	$16,806	$86,680	$9,293,635
17	203	$103,487	$16,651	$86,836	$9,206,799
17	204	$103,487	$16,496	$86,991	$9,119,808
18	205	$103,487	$16,340	$87,147	$9,032,660
18	206	$103,487	$16,184	$87,303	$8,945,357
18	207	$103,487	$16,027	$87,460	$8,857,898
18	208	$103,487	$15,870	$87,616	$8,770,281
18	209	$103,487	$15,713	$87,773	$8,682,508
18	210	$103,487	$15,556	$87,931	$8,594,577
18	211	$103,487	$15,399	$88,088	$8,506,489
18	212	$103,487	$15,241	$88,246	$8,418,243
18	213	$103,487	$15,083	$88,404	$8,329,839
18	214	$103,487	$14,924	$88,562	$8,241,276
18	215	$103,487	$14,766	$88,721	$8,152,555
18	216	$103,487	$14,607	$88,880	$8,063,675
19	217	$103,487	$14,447	$89,039	$7,974,636
19	218	$103,487	$14,288	$89,199	$7,885,437
19	219	$103,487	$14,128	$89,359	$7,796,078
19	220	$103,487	$13,968	$89,519	$7,706,559
19	221	$103,487	$13,808	$89,679	$7,616,880
19	222	$103,487	$13,647	$89,840	$7,527,040
19	223	$103,487	$13,486	$90,001	$7,437,040
19	224	$103,487	$13,325	$90,162	$7,346,877
19	225	$103,487	$13,163	$90,324	$7,256,554
19	226	$103,487	$13,001	$90,485	$7,166,068
19	227	$103,487	$12,839	$90,648	$7,075,421
19	228	$103,487	$12,677	$90,810	$6,984,611
20	229	$103,487	$12,514	$90,973	$6,893,638
20	230	$103,487	$12,351	$91,136	$6,802,502
20	231	$103,487	$12,188	$91,299	$6,711,204
20	232	$103,487	$12,024	$91,463	$6,619,741
20	233	$103,487	$11,860	$91,626	$6,528,115
20	234	$103,487	$11,696	$91,791	$6,436,324
20	235	$103,487	$11,532	$91,955	$6,344,369
20	236	$103,487	$11,367	$92,120	$6,252,249
20	237	$103,487	$11,202	$92,285	$6,159,964
20	238	$103,487	$11,037	$92,450	$6,067,514
20	239	$103,487	$10,871	$92,616	$5,974,898
20	240	$103,487	$10,705	$92,782	$5,882,117
21	241	$103,487	$10,539	$92,948	$5,789,169
21	242	$103,487	$10,372	$93,115	$5,696,054
21	243	$103,487	$10,205	$93,281	$5,602,773
21	244	$103,487	$10,038	$93,448	$5,509,324
21	245	$103,487	$9,871	$93,616	$5,415,708
21	246	$103,487	$9,703	$93,784	$5,321,925
21	247	$103,487	$9,535	$93,952	$5,227,973
21	248	$103,487	$9,367	$94,120	$5,133,853
21	249	$103,487	$9,198	$94,289	$5,039,564
21	250	$103,487	$9,029	$94,458	$4,945,107
21	251	$103,487	$8,860	$94,627	$4,850,480
21	252	$103,487	$8,690	$94,796	$4,755,684
22	253	$103,487	$8,521	$94,966	$4,660,718
22	254	$103,487	$8,350	$95,136	$4,565,581
22	255	$103,487	$8,180	$95,307	$4,470,275
22	256	$103,487	$8,009	$95,478	$4,374,797
22	257	$103,487	$7,838	$95,649	$4,279,148
22	258	$103,487	$7,667	$95,820	$4,183,328
22	259	$103,487	$7,495	$95,992	$4,087,337
22	260	$103,487	$7,323	$96,164	$3,991,173
22	261	$103,487	$7,151	$96,336	$3,894,837
22	262	$103,487	$6,978	$96,509	$3,798,329
22	263	$103,487	$6,805	$96,681	$3,701,647
22	264	$103,487	$6,632	$96,855	$3,604,793
23	265	$103,487	$6,459	$97,028	$3,507,764
23	266	$103,487	$6,285	$97,202	$3,410,562
23	267	$103,487	$6,111	$97,376	$3,313,186
23	268	$103,487	$5,936	$97,551	$3,215,636
23	269	$103,487	$5,761	$97,725	$3,117,910
23	270	$103,487	$5,586	$97,901	$3,020,010
23	271	$103,487	$5,411	$98,076	$2,921,934
23	272	$103,487	$5,235	$98,252	$2,823,682
23	273	$103,487	$5,059	$98,428	$2,725,254
23	274	$103,487	$4,883	$98,604	$2,626,650
23	275	$103,487	$4,706	$98,781	$2,527,870
23	276	$103,487	$4,529	$98,958	$2,428,912
24	277	$103,487	$4,352	$99,135	$2,329,777
24	278	$103,487	$4,174	$99,313	$2,230,464
24	279	$103,487	$3,996	$99,491	$2,130,974
24	280	$103,487	$3,818	$99,669	$2,031,305
24	281	$103,487	$3,639	$99,847	$1,931,458
24	282	$103,487	$3,461	$100,026	$1,831,431
24	283	$103,487	$3,281	$100,205	$1,731,226
24	284	$103,487	$3,102	$100,385	$1,630,841
24	285	$103,487	$2,922	$100,565	$1,530,276
24	286	$103,487	$2,742	$100,745	$1,429,531
24	287	$103,487	$2,561	$100,926	$1,328,606
24	288	$103,487	$2,380	$101,106	$1,227,499
25	289	$103,487	$2,199	$101,288	$1,126,212
25	290	$103,487	$2,018	$101,469	$1,024,743
25	291	$103,487	$1,836	$101,651	$923,092
25	292	$103,487	$1,654	$101,833	$821,259
25	293	$103,487	$1,471	$102,015	$719,244
25	294	$103,487	$1,289	$102,198	$617,046
25	295	$103,487	$1,106	$102,381	$514,664
25	296	$103,487	$922	$102,565	$412,100
25	297	$103,487	$738	$102,748	$309,351
25	298	$103,487	$554	$102,933	$206,419
25	299	$103,487	$370	$103,117	$103,302
25	300	$103,487	$185	$103,302	$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$ 16,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 16,400,000

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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.