Century 21 Centaland Property

Down Payment (HKD)

$21,200,000

Monthly Repayment (HKD)

$137,120

Loan Amount (HKD)

$31,800,000

Total Interest (HKD)

$9,335,994

Total Repayment (HKD)

$41,135,994

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$137,120	$56,975	$80,145	$31,719,855
1	2	$137,120	$56,831	$80,289	$31,639,566
1	3	$137,120	$56,688	$80,432	$31,559,134
1	4	$137,120	$56,543	$80,577	$31,478,557
1	5	$137,120	$56,399	$80,721	$31,397,837
1	6	$137,120	$56,254	$80,866	$31,316,971
1	7	$137,120	$56,110	$81,010	$31,235,961
1	8	$137,120	$55,964	$81,156	$31,154,805
1	9	$137,120	$55,819	$81,301	$31,073,504
1	10	$137,120	$55,673	$81,447	$30,992,058
1	11	$137,120	$55,527	$81,593	$30,910,465
1	12	$137,120	$55,381	$81,739	$30,828,726
2	13	$137,120	$55,235	$81,885	$30,746,841
2	14	$137,120	$55,088	$82,032	$30,664,809
2	15	$137,120	$54,941	$82,179	$30,582,630
2	16	$137,120	$54,794	$82,326	$30,500,304
2	17	$137,120	$54,646	$82,474	$30,417,831
2	18	$137,120	$54,499	$82,621	$30,335,209
2	19	$137,120	$54,351	$82,769	$30,252,440
2	20	$137,120	$54,202	$82,918	$30,169,522
2	21	$137,120	$54,054	$83,066	$30,086,456
2	22	$137,120	$53,905	$83,215	$30,003,241
2	23	$137,120	$53,756	$83,364	$29,919,877
2	24	$137,120	$53,606	$83,514	$29,836,363
3	25	$137,120	$53,457	$83,663	$29,752,700
3	26	$137,120	$53,307	$83,813	$29,668,887
3	27	$137,120	$53,157	$83,963	$29,584,924
3	28	$137,120	$53,006	$84,114	$29,500,810
3	29	$137,120	$52,856	$84,264	$29,416,546
3	30	$137,120	$52,705	$84,415	$29,332,130
3	31	$137,120	$52,553	$84,567	$29,247,564
3	32	$137,120	$52,402	$84,718	$29,162,846
3	33	$137,120	$52,250	$84,870	$29,077,976
3	34	$137,120	$52,098	$85,022	$28,992,954
3	35	$137,120	$51,946	$85,174	$28,907,780
3	36	$137,120	$51,793	$85,327	$28,822,453
4	37	$137,120	$51,640	$85,480	$28,736,973
4	38	$137,120	$51,487	$85,633	$28,651,340
4	39	$137,120	$51,334	$85,786	$28,565,554
4	40	$137,120	$51,180	$85,940	$28,479,614
4	41	$137,120	$51,026	$86,094	$28,393,520
4	42	$137,120	$50,872	$86,248	$28,307,271
4	43	$137,120	$50,717	$86,403	$28,220,869
4	44	$137,120	$50,562	$86,558	$28,134,311
4	45	$137,120	$50,407	$86,713	$28,047,598
4	46	$137,120	$50,252	$86,868	$27,960,730
4	47	$137,120	$50,096	$87,024	$27,873,707
4	48	$137,120	$49,940	$87,180	$27,786,527
5	49	$137,120	$49,784	$87,336	$27,699,191
5	50	$137,120	$49,628	$87,492	$27,611,699
5	51	$137,120	$49,471	$87,649	$27,524,050
5	52	$137,120	$49,314	$87,806	$27,436,244
5	53	$137,120	$49,157	$87,963	$27,348,281
5	54	$137,120	$48,999	$88,121	$27,260,160
5	55	$137,120	$48,841	$88,279	$27,171,881
5	56	$137,120	$48,683	$88,437	$27,083,444
5	57	$137,120	$48,525	$88,595	$26,994,848
5	58	$137,120	$48,366	$88,754	$26,906,094
5	59	$137,120	$48,207	$88,913	$26,817,181
5	60	$137,120	$48,047	$89,073	$26,728,108
6	61	$137,120	$47,888	$89,232	$26,638,876
6	62	$137,120	$47,728	$89,392	$26,549,484
6	63	$137,120	$47,568	$89,552	$26,459,932
6	64	$137,120	$47,407	$89,713	$26,370,219
6	65	$137,120	$47,247	$89,873	$26,280,346
6	66	$137,120	$47,086	$90,034	$26,190,312
6	67	$137,120	$46,924	$90,196	$26,100,116
6	68	$137,120	$46,763	$90,357	$26,009,759
6	69	$137,120	$46,601	$90,519	$25,919,240
6	70	$137,120	$46,439	$90,681	$25,828,558
6	71	$137,120	$46,276	$90,844	$25,737,714
6	72	$137,120	$46,113	$91,007	$25,646,708
7	73	$137,120	$45,950	$91,170	$25,555,538
7	74	$137,120	$45,787	$91,333	$25,464,205
7	75	$137,120	$45,623	$91,497	$25,372,709
7	76	$137,120	$45,459	$91,661	$25,281,048
7	77	$137,120	$45,295	$91,825	$25,189,223
7	78	$137,120	$45,131	$91,989	$25,097,234
7	79	$137,120	$44,966	$92,154	$25,005,080
7	80	$137,120	$44,801	$92,319	$24,912,761
7	81	$137,120	$44,635	$92,485	$24,820,276
7	82	$137,120	$44,470	$92,650	$24,727,626
7	83	$137,120	$44,304	$92,816	$24,634,809
7	84	$137,120	$44,137	$92,983	$24,541,827
8	85	$137,120	$43,971	$93,149	$24,448,678
8	86	$137,120	$43,804	$93,316	$24,355,362
8	87	$137,120	$43,637	$93,483	$24,261,878
8	88	$137,120	$43,469	$93,651	$24,168,227
8	89	$137,120	$43,301	$93,819	$24,074,409
8	90	$137,120	$43,133	$93,987	$23,980,422
8	91	$137,120	$42,965	$94,155	$23,886,267
8	92	$137,120	$42,796	$94,324	$23,791,943
8	93	$137,120	$42,627	$94,493	$23,697,451
8	94	$137,120	$42,458	$94,662	$23,602,789
8	95	$137,120	$42,288	$94,832	$23,507,957
8	96	$137,120	$42,118	$95,002	$23,412,955
9	97	$137,120	$41,948	$95,172	$23,317,784
9	98	$137,120	$41,778	$95,342	$23,222,441
9	99	$137,120	$41,607	$95,513	$23,126,928
9	100	$137,120	$41,436	$95,684	$23,031,244
9	101	$137,120	$41,264	$95,856	$22,935,388
9	102	$137,120	$41,093	$96,027	$22,839,361
9	103	$137,120	$40,921	$96,199	$22,743,162
9	104	$137,120	$40,748	$96,372	$22,646,790
9	105	$137,120	$40,575	$96,544	$22,550,245
9	106	$137,120	$40,403	$96,717	$22,453,528
9	107	$137,120	$40,229	$96,891	$22,356,637
9	108	$137,120	$40,056	$97,064	$22,259,573
10	109	$137,120	$39,882	$97,238	$22,162,334
10	110	$137,120	$39,708	$97,412	$22,064,922
10	111	$137,120	$39,533	$97,587	$21,967,335
10	112	$137,120	$39,358	$97,762	$21,869,573
10	113	$137,120	$39,183	$97,937	$21,771,636
10	114	$137,120	$39,008	$98,112	$21,673,524
10	115	$137,120	$38,832	$98,288	$21,575,235
10	116	$137,120	$38,656	$98,464	$21,476,771
10	117	$137,120	$38,479	$98,641	$21,378,130
10	118	$137,120	$38,302	$98,817	$21,279,313
10	119	$137,120	$38,125	$98,995	$21,180,318
10	120	$137,120	$37,948	$99,172	$21,081,146
11	121	$137,120	$37,770	$99,350	$20,981,797
11	122	$137,120	$37,592	$99,528	$20,882,269
11	123	$137,120	$37,414	$99,706	$20,782,563
11	124	$137,120	$37,235	$99,885	$20,682,679
11	125	$137,120	$37,056	$100,064	$20,582,615
11	126	$137,120	$36,877	$100,243	$20,482,372
11	127	$137,120	$36,698	$100,422	$20,381,950
11	128	$137,120	$36,518	$100,602	$20,281,348
11	129	$137,120	$36,337	$100,783	$20,180,565
11	130	$137,120	$36,157	$100,963	$20,079,602
11	131	$137,120	$35,976	$101,144	$19,978,458
11	132	$137,120	$35,795	$101,325	$19,877,133
12	133	$137,120	$35,613	$101,507	$19,775,626
12	134	$137,120	$35,431	$101,689	$19,673,937
12	135	$137,120	$35,249	$101,871	$19,572,066
12	136	$137,120	$35,067	$102,053	$19,470,013
12	137	$137,120	$34,884	$102,236	$19,367,777
12	138	$137,120	$34,701	$102,419	$19,265,357
12	139	$137,120	$34,517	$102,603	$19,162,755
12	140	$137,120	$34,333	$102,787	$19,059,968
12	141	$137,120	$34,149	$102,971	$18,956,997
12	142	$137,120	$33,965	$103,155	$18,853,842
12	143	$137,120	$33,780	$103,340	$18,750,501
12	144	$137,120	$33,595	$103,525	$18,646,976
13	145	$137,120	$33,409	$103,711	$18,543,265
13	146	$137,120	$33,223	$103,897	$18,439,369
13	147	$137,120	$33,037	$104,083	$18,335,286
13	148	$137,120	$32,851	$104,269	$18,231,017
13	149	$137,120	$32,664	$104,456	$18,126,561
13	150	$137,120	$32,477	$104,643	$18,021,917
13	151	$137,120	$32,289	$104,831	$17,917,087
13	152	$137,120	$32,101	$105,019	$17,812,068
13	153	$137,120	$31,913	$105,207	$17,706,861
13	154	$137,120	$31,725	$105,395	$17,601,466
13	155	$137,120	$31,536	$105,584	$17,495,882
13	156	$137,120	$31,347	$105,773	$17,390,109
14	157	$137,120	$31,157	$105,963	$17,284,146
14	158	$137,120	$30,967	$106,153	$17,177,994
14	159	$137,120	$30,777	$106,343	$17,071,651
14	160	$137,120	$30,587	$106,533	$16,965,118
14	161	$137,120	$30,396	$106,724	$16,858,394
14	162	$137,120	$30,205	$106,915	$16,751,478
14	163	$137,120	$30,013	$107,107	$16,644,371
14	164	$137,120	$29,821	$107,299	$16,537,073
14	165	$137,120	$29,629	$107,491	$16,429,581
14	166	$137,120	$29,436	$107,684	$16,321,898
14	167	$137,120	$29,243	$107,877	$16,214,021
14	168	$137,120	$29,050	$108,070	$16,105,951
15	169	$137,120	$28,856	$108,263	$15,997,688
15	170	$137,120	$28,663	$108,457	$15,889,230
15	171	$137,120	$28,468	$108,652	$15,780,579
15	172	$137,120	$28,274	$108,846	$15,671,732
15	173	$137,120	$28,079	$109,041	$15,562,691
15	174	$137,120	$27,883	$109,237	$15,453,454
15	175	$137,120	$27,687	$109,433	$15,344,021
15	176	$137,120	$27,491	$109,629	$15,234,393
15	177	$137,120	$27,295	$109,825	$15,124,568
15	178	$137,120	$27,098	$110,022	$15,014,546
15	179	$137,120	$26,901	$110,219	$14,904,327
15	180	$137,120	$26,704	$110,416	$14,793,911
16	181	$137,120	$26,506	$110,614	$14,683,296
16	182	$137,120	$26,308	$110,812	$14,572,484
16	183	$137,120	$26,109	$111,011	$14,461,473
16	184	$137,120	$25,910	$111,210	$14,350,263
16	185	$137,120	$25,711	$111,409	$14,238,854
16	186	$137,120	$25,511	$111,609	$14,127,245
16	187	$137,120	$25,311	$111,809	$14,015,437
16	188	$137,120	$25,111	$112,009	$13,903,428
16	189	$137,120	$24,910	$112,210	$13,791,218
16	190	$137,120	$24,709	$112,411	$13,678,807
16	191	$137,120	$24,508	$112,612	$13,566,195
16	192	$137,120	$24,306	$112,814	$13,453,381
17	193	$137,120	$24,104	$113,016	$13,340,365
17	194	$137,120	$23,901	$113,218	$13,227,147
17	195	$137,120	$23,699	$113,421	$13,113,726
17	196	$137,120	$23,495	$113,625	$13,000,101
17	197	$137,120	$23,292	$113,828	$12,886,273
17	198	$137,120	$23,088	$114,032	$12,772,241
17	199	$137,120	$22,884	$114,236	$12,658,004
17	200	$137,120	$22,679	$114,441	$12,543,563
17	201	$137,120	$22,474	$114,646	$12,428,917
17	202	$137,120	$22,268	$114,852	$12,314,066
17	203	$137,120	$22,063	$115,057	$12,199,008
17	204	$137,120	$21,857	$115,263	$12,083,745
18	205	$137,120	$21,650	$115,470	$11,968,275
18	206	$137,120	$21,443	$115,677	$11,852,598
18	207	$137,120	$21,236	$115,884	$11,736,714
18	208	$137,120	$21,028	$116,092	$11,620,623
18	209	$137,120	$20,820	$116,300	$11,504,323
18	210	$137,120	$20,612	$116,508	$11,387,815
18	211	$137,120	$20,403	$116,717	$11,271,098
18	212	$137,120	$20,194	$116,926	$11,154,172
18	213	$137,120	$19,985	$117,135	$11,037,037
18	214	$137,120	$19,775	$117,345	$10,919,691
18	215	$137,120	$19,564	$117,556	$10,802,136
18	216	$137,120	$19,354	$117,766	$10,684,370
19	217	$137,120	$19,143	$117,977	$10,566,392
19	218	$137,120	$18,931	$118,189	$10,448,204
19	219	$137,120	$18,720	$118,400	$10,329,804
19	220	$137,120	$18,508	$118,612	$10,211,191
19	221	$137,120	$18,295	$118,825	$10,092,366
19	222	$137,120	$18,082	$119,038	$9,973,328
19	223	$137,120	$17,869	$119,251	$9,854,077
19	224	$137,120	$17,655	$119,465	$9,734,613
19	225	$137,120	$17,441	$119,679	$9,614,934
19	226	$137,120	$17,227	$119,893	$9,495,041
19	227	$137,120	$17,012	$120,108	$9,374,933
19	228	$137,120	$16,797	$120,323	$9,254,609
20	229	$137,120	$16,581	$120,539	$9,134,071
20	230	$137,120	$16,365	$120,755	$9,013,316
20	231	$137,120	$16,149	$120,971	$8,892,345
20	232	$137,120	$15,932	$121,188	$8,771,157
20	233	$137,120	$15,715	$121,405	$8,649,752
20	234	$137,120	$15,497	$121,623	$8,528,129
20	235	$137,120	$15,280	$121,840	$8,406,289
20	236	$137,120	$15,061	$122,059	$8,284,230
20	237	$137,120	$14,843	$122,277	$8,161,953
20	238	$137,120	$14,623	$122,496	$8,039,456
20	239	$137,120	$14,404	$122,716	$7,916,740
20	240	$137,120	$14,184	$122,936	$7,793,805
21	241	$137,120	$13,964	$123,156	$7,670,648
21	242	$137,120	$13,743	$123,377	$7,547,272
21	243	$137,120	$13,522	$123,598	$7,423,674
21	244	$137,120	$13,301	$123,819	$7,299,855
21	245	$137,120	$13,079	$124,041	$7,175,814
21	246	$137,120	$12,857	$124,263	$7,051,550
21	247	$137,120	$12,634	$124,486	$6,927,064
21	248	$137,120	$12,411	$124,709	$6,802,355
21	249	$137,120	$12,188	$124,932	$6,677,423
21	250	$137,120	$11,964	$125,156	$6,552,267
21	251	$137,120	$11,739	$125,381	$6,426,886
21	252	$137,120	$11,515	$125,605	$6,301,281
22	253	$137,120	$11,290	$125,830	$6,175,451
22	254	$137,120	$11,064	$126,056	$6,049,395
22	255	$137,120	$10,838	$126,281	$5,923,114
22	256	$137,120	$10,612	$126,508	$5,796,606
22	257	$137,120	$10,386	$126,734	$5,669,872
22	258	$137,120	$10,159	$126,961	$5,542,910
22	259	$137,120	$9,931	$127,189	$5,415,721
22	260	$137,120	$9,703	$127,417	$5,288,304
22	261	$137,120	$9,475	$127,645	$5,160,659
22	262	$137,120	$9,246	$127,874	$5,032,785
22	263	$137,120	$9,017	$128,103	$4,904,683
22	264	$137,120	$8,788	$128,332	$4,776,350
23	265	$137,120	$8,558	$128,562	$4,647,788
23	266	$137,120	$8,327	$128,793	$4,518,995
23	267	$137,120	$8,097	$129,023	$4,389,972
23	268	$137,120	$7,865	$129,255	$4,260,717
23	269	$137,120	$7,634	$129,486	$4,131,231
23	270	$137,120	$7,402	$129,718	$4,001,513
23	271	$137,120	$7,169	$129,951	$3,871,562
23	272	$137,120	$6,937	$130,183	$3,741,379
23	273	$137,120	$6,703	$130,417	$3,610,962
23	274	$137,120	$6,470	$130,650	$3,480,312
23	275	$137,120	$6,236	$130,884	$3,349,427
23	276	$137,120	$6,001	$131,119	$3,218,308
24	277	$137,120	$5,766	$131,354	$3,086,954
24	278	$137,120	$5,531	$131,589	$2,955,365
24	279	$137,120	$5,295	$131,825	$2,823,540
24	280	$137,120	$5,059	$132,061	$2,691,479
24	281	$137,120	$4,822	$132,298	$2,559,181
24	282	$137,120	$4,585	$132,535	$2,426,647
24	283	$137,120	$4,348	$132,772	$2,293,874
24	284	$137,120	$4,110	$133,010	$2,160,864
24	285	$137,120	$3,872	$133,248	$2,027,616
24	286	$137,120	$3,633	$133,487	$1,894,129
24	287	$137,120	$3,394	$133,726	$1,760,402
24	288	$137,120	$3,154	$133,966	$1,626,436
25	289	$137,120	$2,914	$134,206	$1,492,230
25	290	$137,120	$2,674	$134,446	$1,357,784
25	291	$137,120	$2,433	$134,687	$1,223,097
25	292	$137,120	$2,191	$134,929	$1,088,168
25	293	$137,120	$1,950	$135,170	$952,998
25	294	$137,120	$1,707	$135,413	$817,585
25	295	$137,120	$1,465	$135,655	$681,930
25	296	$137,120	$1,222	$135,898	$546,032
25	297	$137,120	$978	$136,142	$409,890
25	298	$137,120	$734	$136,386	$273,505
25	299	$137,120	$490	$136,630	$136,875
25	300	$137,120	$245	$136,875	$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$ 21,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 21,730,000

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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.