Century 21 Centaland Property

Down Payment (HKD)

$30,800,000

Monthly Repayment (HKD)

$199,212

Loan Amount (HKD)

$46,200,000

Total Interest (HKD)

$13,563,614

Total Repayment (HKD)

$59,763,614

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$199,212	$82,775	$116,437	$46,083,563
1	2	$199,212	$82,566	$116,646	$45,966,917
1	3	$199,212	$82,357	$116,855	$45,850,063
1	4	$199,212	$82,148	$117,064	$45,732,999
1	5	$199,212	$81,938	$117,274	$45,615,725
1	6	$199,212	$81,728	$117,484	$45,498,241
1	7	$199,212	$81,518	$117,694	$45,380,547
1	8	$199,212	$81,307	$117,905	$45,262,641
1	9	$199,212	$81,096	$118,116	$45,144,525
1	10	$199,212	$80,884	$118,328	$45,026,197
1	11	$199,212	$80,672	$118,540	$44,907,657
1	12	$199,212	$80,460	$118,752	$44,788,904
2	13	$199,212	$80,247	$118,965	$44,669,939
2	14	$199,212	$80,034	$119,178	$44,550,761
2	15	$199,212	$79,820	$119,392	$44,431,369
2	16	$199,212	$79,606	$119,606	$44,311,763
2	17	$199,212	$79,392	$119,820	$44,191,943
2	18	$199,212	$79,177	$120,035	$44,071,908
2	19	$199,212	$78,962	$120,250	$43,951,658
2	20	$199,212	$78,747	$120,465	$43,831,193
2	21	$199,212	$78,531	$120,681	$43,710,511
2	22	$199,212	$78,315	$120,897	$43,589,614
2	23	$199,212	$78,098	$121,114	$43,468,500
2	24	$199,212	$77,881	$121,331	$43,347,169
3	25	$199,212	$77,664	$121,548	$43,225,621
3	26	$199,212	$77,446	$121,766	$43,103,855
3	27	$199,212	$77,228	$121,984	$42,981,870
3	28	$199,212	$77,009	$122,203	$42,859,667
3	29	$199,212	$76,790	$122,422	$42,737,246
3	30	$199,212	$76,571	$122,641	$42,614,604
3	31	$199,212	$76,351	$122,861	$42,491,744
3	32	$199,212	$76,131	$123,081	$42,368,663
3	33	$199,212	$75,911	$123,302	$42,245,361
3	34	$199,212	$75,690	$123,522	$42,121,839
3	35	$199,212	$75,468	$123,744	$41,998,095
3	36	$199,212	$75,247	$123,965	$41,874,129
4	37	$199,212	$75,024	$124,188	$41,749,942
4	38	$199,212	$74,802	$124,410	$41,625,532
4	39	$199,212	$74,579	$124,633	$41,500,899
4	40	$199,212	$74,356	$124,856	$41,376,043
4	41	$199,212	$74,132	$125,080	$41,250,963
4	42	$199,212	$73,908	$125,304	$41,125,658
4	43	$199,212	$73,683	$125,529	$41,000,130
4	44	$199,212	$73,459	$125,753	$40,874,376
4	45	$199,212	$73,233	$125,979	$40,748,398
4	46	$199,212	$73,008	$126,205	$40,622,193
4	47	$199,212	$72,781	$126,431	$40,495,763
4	48	$199,212	$72,555	$126,657	$40,369,105
5	49	$199,212	$72,328	$126,884	$40,242,221
5	50	$199,212	$72,101	$127,111	$40,115,110
5	51	$199,212	$71,873	$127,339	$39,987,771
5	52	$199,212	$71,645	$127,567	$39,860,203
5	53	$199,212	$71,416	$127,796	$39,732,408
5	54	$199,212	$71,187	$128,025	$39,604,383
5	55	$199,212	$70,958	$128,254	$39,476,129
5	56	$199,212	$70,728	$128,484	$39,347,645
5	57	$199,212	$70,498	$128,714	$39,218,930
5	58	$199,212	$70,267	$128,945	$39,089,986
5	59	$199,212	$70,036	$129,176	$38,960,810
5	60	$199,212	$69,805	$129,407	$38,831,403
6	61	$199,212	$69,573	$129,639	$38,701,763
6	62	$199,212	$69,341	$129,871	$38,571,892
6	63	$199,212	$69,108	$130,104	$38,441,788
6	64	$199,212	$68,875	$130,337	$38,311,451
6	65	$199,212	$68,641	$130,571	$38,180,880
6	66	$199,212	$68,407	$130,805	$38,050,075
6	67	$199,212	$68,173	$131,039	$37,919,036
6	68	$199,212	$67,938	$131,274	$37,787,763
6	69	$199,212	$67,703	$131,509	$37,656,254
6	70	$199,212	$67,467	$131,745	$37,524,509
6	71	$199,212	$67,231	$131,981	$37,392,529
6	72	$199,212	$66,995	$132,217	$37,260,311
7	73	$199,212	$66,758	$132,454	$37,127,857
7	74	$199,212	$66,521	$132,691	$36,995,166
7	75	$199,212	$66,283	$132,929	$36,862,237
7	76	$199,212	$66,045	$133,167	$36,729,070
7	77	$199,212	$65,806	$133,406	$36,595,664
7	78	$199,212	$65,567	$133,645	$36,462,019
7	79	$199,212	$65,328	$133,884	$36,328,135
7	80	$199,212	$65,088	$134,124	$36,194,011
7	81	$199,212	$64,848	$134,364	$36,059,646
7	82	$199,212	$64,607	$134,605	$35,925,041
7	83	$199,212	$64,366	$134,846	$35,790,195
7	84	$199,212	$64,124	$135,088	$35,655,107
8	85	$199,212	$63,882	$135,330	$35,519,777
8	86	$199,212	$63,640	$135,572	$35,384,205
8	87	$199,212	$63,397	$135,815	$35,248,389
8	88	$199,212	$63,153	$136,059	$35,112,330
8	89	$199,212	$62,910	$136,302	$34,976,028
8	90	$199,212	$62,665	$136,547	$34,839,481
8	91	$199,212	$62,421	$136,791	$34,702,690
8	92	$199,212	$62,176	$137,036	$34,565,654
8	93	$199,212	$61,930	$137,282	$34,428,372
8	94	$199,212	$61,684	$137,528	$34,290,844
8	95	$199,212	$61,438	$137,774	$34,153,070
8	96	$199,212	$61,191	$138,021	$34,015,048
9	97	$199,212	$60,944	$138,268	$33,876,780
9	98	$199,212	$60,696	$138,516	$33,738,264
9	99	$199,212	$60,448	$138,764	$33,599,500
9	100	$199,212	$60,199	$139,013	$33,460,487
9	101	$199,212	$59,950	$139,262	$33,321,225
9	102	$199,212	$59,701	$139,512	$33,181,713
9	103	$199,212	$59,451	$139,761	$33,041,952
9	104	$199,212	$59,200	$140,012	$32,901,940
9	105	$199,212	$58,949	$140,263	$32,761,677
9	106	$199,212	$58,698	$140,514	$32,621,163
9	107	$199,212	$58,446	$140,766	$32,480,397
9	108	$199,212	$58,194	$141,018	$32,339,379
10	109	$199,212	$57,941	$141,271	$32,198,108
10	110	$199,212	$57,688	$141,524	$32,056,585
10	111	$199,212	$57,435	$141,777	$31,914,807
10	112	$199,212	$57,181	$142,031	$31,772,776
10	113	$199,212	$56,926	$142,286	$31,630,490
10	114	$199,212	$56,671	$142,541	$31,487,949
10	115	$199,212	$56,416	$142,796	$31,345,153
10	116	$199,212	$56,160	$143,052	$31,202,101
10	117	$199,212	$55,904	$143,308	$31,058,793
10	118	$199,212	$55,647	$143,565	$30,915,228
10	119	$199,212	$55,390	$143,822	$30,771,406
10	120	$199,212	$55,132	$144,080	$30,627,326
11	121	$199,212	$54,874	$144,338	$30,482,988
11	122	$199,212	$54,615	$144,597	$30,338,391
11	123	$199,212	$54,356	$144,856	$30,193,535
11	124	$199,212	$54,097	$145,115	$30,048,420
11	125	$199,212	$53,837	$145,375	$29,903,045
11	126	$199,212	$53,576	$145,636	$29,757,409
11	127	$199,212	$53,315	$145,897	$29,611,512
11	128	$199,212	$53,054	$146,158	$29,465,354
11	129	$199,212	$52,792	$146,420	$29,318,934
11	130	$199,212	$52,530	$146,682	$29,172,252
11	131	$199,212	$52,267	$146,945	$29,025,307
11	132	$199,212	$52,004	$147,208	$28,878,098
12	133	$199,212	$51,740	$147,472	$28,730,626
12	134	$199,212	$51,476	$147,736	$28,582,890
12	135	$199,212	$51,211	$148,001	$28,434,889
12	136	$199,212	$50,946	$148,266	$28,286,623
12	137	$199,212	$50,680	$148,532	$28,138,091
12	138	$199,212	$50,414	$148,798	$27,989,293
12	139	$199,212	$50,147	$149,065	$27,840,228
12	140	$199,212	$49,880	$149,332	$27,690,897
12	141	$199,212	$49,613	$149,599	$27,541,298
12	142	$199,212	$49,345	$149,867	$27,391,430
12	143	$199,212	$49,076	$150,136	$27,241,295
12	144	$199,212	$48,807	$150,405	$27,090,890
13	145	$199,212	$48,538	$150,674	$26,940,216
13	146	$199,212	$48,268	$150,944	$26,789,271
13	147	$199,212	$47,997	$151,215	$26,638,057
13	148	$199,212	$47,727	$151,486	$26,486,571
13	149	$199,212	$47,455	$151,757	$26,334,814
13	150	$199,212	$47,183	$152,029	$26,182,786
13	151	$199,212	$46,911	$152,301	$26,030,484
13	152	$199,212	$46,638	$152,574	$25,877,910
13	153	$199,212	$46,365	$152,847	$25,725,063
13	154	$199,212	$46,091	$153,121	$25,571,942
13	155	$199,212	$45,816	$153,396	$25,418,546
13	156	$199,212	$45,542	$153,670	$25,264,875
14	157	$199,212	$45,266	$153,946	$25,110,930
14	158	$199,212	$44,990	$154,222	$24,956,708
14	159	$199,212	$44,714	$154,498	$24,802,210
14	160	$199,212	$44,437	$154,775	$24,647,435
14	161	$199,212	$44,160	$155,052	$24,492,383
14	162	$199,212	$43,882	$155,330	$24,337,053
14	163	$199,212	$43,604	$155,608	$24,181,445
14	164	$199,212	$43,325	$155,887	$24,025,558
14	165	$199,212	$43,046	$156,166	$23,869,392
14	166	$199,212	$42,766	$156,446	$23,712,946
14	167	$199,212	$42,486	$156,726	$23,556,220
14	168	$199,212	$42,205	$157,007	$23,399,212
15	169	$199,212	$41,924	$157,288	$23,241,924
15	170	$199,212	$41,642	$157,570	$23,084,354
15	171	$199,212	$41,359	$157,853	$22,926,501
15	172	$199,212	$41,077	$158,135	$22,768,366
15	173	$199,212	$40,793	$158,419	$22,609,947
15	174	$199,212	$40,509	$158,703	$22,451,244
15	175	$199,212	$40,225	$158,987	$22,292,257
15	176	$199,212	$39,940	$159,272	$22,132,986
15	177	$199,212	$39,655	$159,557	$21,973,429
15	178	$199,212	$39,369	$159,843	$21,813,586
15	179	$199,212	$39,083	$160,129	$21,653,456
15	180	$199,212	$38,796	$160,416	$21,493,040
16	181	$199,212	$38,508	$160,704	$21,332,336
16	182	$199,212	$38,220	$160,992	$21,171,345
16	183	$199,212	$37,932	$161,280	$21,010,065
16	184	$199,212	$37,643	$161,569	$20,848,496
16	185	$199,212	$37,354	$161,858	$20,686,637
16	186	$199,212	$37,064	$162,148	$20,524,489
16	187	$199,212	$36,773	$162,439	$20,362,050
16	188	$199,212	$36,482	$162,730	$20,199,320
16	189	$199,212	$36,190	$163,022	$20,036,298
16	190	$199,212	$35,898	$163,314	$19,872,984
16	191	$199,212	$35,606	$163,606	$19,709,378
16	192	$199,212	$35,313	$163,899	$19,545,479
17	193	$199,212	$35,019	$164,193	$19,381,286
17	194	$199,212	$34,725	$164,487	$19,216,798
17	195	$199,212	$34,430	$164,782	$19,052,016
17	196	$199,212	$34,135	$165,077	$18,886,939
17	197	$199,212	$33,839	$165,373	$18,721,566
17	198	$199,212	$33,543	$165,669	$18,555,897
17	199	$199,212	$33,246	$165,966	$18,389,931
17	200	$199,212	$32,949	$166,263	$18,223,668
17	201	$199,212	$32,651	$166,561	$18,057,106
17	202	$199,212	$32,352	$166,860	$17,890,246
17	203	$199,212	$32,053	$167,159	$17,723,088
17	204	$199,212	$31,754	$167,458	$17,555,630
18	205	$199,212	$31,454	$167,758	$17,387,871
18	206	$199,212	$31,153	$168,059	$17,219,813
18	207	$199,212	$30,852	$168,360	$17,051,453
18	208	$199,212	$30,551	$168,662	$16,882,791
18	209	$199,212	$30,248	$168,964	$16,713,828
18	210	$199,212	$29,946	$169,266	$16,544,561
18	211	$199,212	$29,642	$169,570	$16,374,991
18	212	$199,212	$29,339	$169,874	$16,205,118
18	213	$199,212	$29,034	$170,178	$16,034,940
18	214	$199,212	$28,729	$170,483	$15,864,457
18	215	$199,212	$28,424	$170,788	$15,693,669
18	216	$199,212	$28,118	$171,094	$15,522,575
19	217	$199,212	$27,811	$171,401	$15,351,174
19	218	$199,212	$27,504	$171,708	$15,179,466
19	219	$199,212	$27,197	$172,016	$15,007,451
19	220	$199,212	$26,888	$172,324	$14,835,127
19	221	$199,212	$26,580	$172,632	$14,662,494
19	222	$199,212	$26,270	$172,942	$14,489,553
19	223	$199,212	$25,960	$173,252	$14,316,301
19	224	$199,212	$25,650	$173,562	$14,142,739
19	225	$199,212	$25,339	$173,873	$13,968,866
19	226	$199,212	$25,028	$174,184	$13,794,682
19	227	$199,212	$24,715	$174,497	$13,620,185
19	228	$199,212	$24,403	$174,809	$13,445,376
20	229	$199,212	$24,090	$175,122	$13,270,253
20	230	$199,212	$23,776	$175,436	$13,094,817
20	231	$199,212	$23,462	$175,750	$12,919,067
20	232	$199,212	$23,147	$176,065	$12,743,001
20	233	$199,212	$22,831	$176,381	$12,566,621
20	234	$199,212	$22,515	$176,697	$12,389,924
20	235	$199,212	$22,199	$177,013	$12,212,910
20	236	$199,212	$21,881	$177,331	$12,035,580
20	237	$199,212	$21,564	$177,648	$11,857,931
20	238	$199,212	$21,245	$177,967	$11,679,965
20	239	$199,212	$20,927	$178,285	$11,501,679
20	240	$199,212	$20,607	$178,605	$11,323,074
21	241	$199,212	$20,287	$178,925	$11,144,150
21	242	$199,212	$19,967	$179,245	$10,964,904
21	243	$199,212	$19,645	$179,567	$10,785,338
21	244	$199,212	$19,324	$179,888	$10,605,449
21	245	$199,212	$19,001	$180,211	$10,425,239
21	246	$199,212	$18,679	$180,533	$10,244,705
21	247	$199,212	$18,355	$180,857	$10,063,848
21	248	$199,212	$18,031	$181,181	$9,882,667
21	249	$199,212	$17,706	$181,506	$9,701,162
21	250	$199,212	$17,381	$181,831	$9,519,331
21	251	$199,212	$17,055	$182,157	$9,337,174
21	252	$199,212	$16,729	$182,483	$9,154,691
22	253	$199,212	$16,402	$182,810	$8,971,881
22	254	$199,212	$16,075	$183,137	$8,788,744
22	255	$199,212	$15,746	$183,466	$8,605,278
22	256	$199,212	$15,418	$183,794	$8,421,484
22	257	$199,212	$15,088	$184,124	$8,237,361
22	258	$199,212	$14,759	$184,453	$8,052,907
22	259	$199,212	$14,428	$184,784	$7,868,123
22	260	$199,212	$14,097	$185,115	$7,683,008
22	261	$199,212	$13,765	$185,447	$7,497,562
22	262	$199,212	$13,433	$185,779	$7,311,783
22	263	$199,212	$13,100	$186,112	$7,125,671
22	264	$199,212	$12,767	$186,445	$6,939,226
23	265	$199,212	$12,433	$186,779	$6,752,446
23	266	$199,212	$12,098	$187,114	$6,565,333
23	267	$199,212	$11,763	$187,449	$6,377,883
23	268	$199,212	$11,427	$187,785	$6,190,098
23	269	$199,212	$11,091	$188,121	$6,001,977
23	270	$199,212	$10,754	$188,459	$5,813,518
23	271	$199,212	$10,416	$188,796	$5,624,722
23	272	$199,212	$10,078	$189,134	$5,435,588
23	273	$199,212	$9,739	$189,473	$5,246,115
23	274	$199,212	$9,399	$189,813	$5,056,302
23	275	$199,212	$9,059	$190,153	$4,866,149
23	276	$199,212	$8,719	$190,494	$4,675,655
24	277	$199,212	$8,377	$190,835	$4,484,821
24	278	$199,212	$8,035	$191,177	$4,293,644
24	279	$199,212	$7,693	$191,519	$4,102,125
24	280	$199,212	$7,350	$191,862	$3,910,262
24	281	$199,212	$7,006	$192,206	$3,718,056
24	282	$199,212	$6,662	$192,551	$3,525,505
24	283	$199,212	$6,317	$192,896	$3,332,610
24	284	$199,212	$5,971	$193,241	$3,139,369
24	285	$199,212	$5,625	$193,587	$2,945,781
24	286	$199,212	$5,278	$193,934	$2,751,847
24	287	$199,212	$4,930	$194,282	$2,557,566
24	288	$199,212	$4,582	$194,630	$2,362,936
25	289	$199,212	$4,234	$194,978	$2,167,957
25	290	$199,212	$3,884	$195,328	$1,972,630
25	291	$199,212	$3,534	$195,678	$1,776,952
25	292	$199,212	$3,184	$196,028	$1,580,924
25	293	$199,212	$2,832	$196,380	$1,384,544
25	294	$199,212	$2,481	$196,731	$1,187,813
25	295	$199,212	$2,128	$197,084	$990,729
25	296	$199,212	$1,775	$197,437	$793,292
25	297	$199,212	$1,421	$197,791	$595,501
25	298	$199,212	$1,067	$198,145	$397,356
25	299	$199,212	$712	$198,500	$198,856
25	300	$199,212	$356	$198,856	$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$ 30,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 31,570,000

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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.