Century 21 Centaland Property

Down Payment (HKD)

$25,720,000

Monthly Repayment (HKD)

$166,355

Loan Amount (HKD)

$38,580,000

Total Interest (HKD)

$11,326,498

Total Repayment (HKD)

$49,906,498

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$166,355	$69,123	$97,232	$38,482,768
1	2	$166,355	$68,948	$97,407	$38,385,361
1	3	$166,355	$68,774	$97,581	$38,287,780
1	4	$166,355	$68,599	$97,756	$38,190,024
1	5	$166,355	$68,424	$97,931	$38,092,092
1	6	$166,355	$68,248	$98,107	$37,993,986
1	7	$166,355	$68,073	$98,282	$37,895,703
1	8	$166,355	$67,896	$98,459	$37,797,245
1	9	$166,355	$67,720	$98,635	$37,698,610
1	10	$166,355	$67,543	$98,812	$37,599,798
1	11	$166,355	$67,366	$98,989	$37,500,809
1	12	$166,355	$67,189	$99,166	$37,401,643
2	13	$166,355	$67,011	$99,344	$37,302,300
2	14	$166,355	$66,833	$99,522	$37,202,778
2	15	$166,355	$66,655	$99,700	$37,103,078
2	16	$166,355	$66,476	$99,879	$37,003,199
2	17	$166,355	$66,297	$100,058	$36,903,142
2	18	$166,355	$66,118	$100,237	$36,802,905
2	19	$166,355	$65,939	$100,416	$36,702,488
2	20	$166,355	$65,759	$100,596	$36,601,892
2	21	$166,355	$65,578	$100,777	$36,501,115
2	22	$166,355	$65,398	$100,957	$36,400,158
2	23	$166,355	$65,217	$101,138	$36,299,020
2	24	$166,355	$65,036	$101,319	$36,197,701
3	25	$166,355	$64,854	$101,501	$36,096,200
3	26	$166,355	$64,672	$101,683	$35,994,518
3	27	$166,355	$64,490	$101,865	$35,892,653
3	28	$166,355	$64,308	$102,047	$35,790,605
3	29	$166,355	$64,125	$102,230	$35,688,375
3	30	$166,355	$63,942	$102,413	$35,585,962
3	31	$166,355	$63,758	$102,597	$35,483,365
3	32	$166,355	$63,574	$102,781	$35,380,584
3	33	$166,355	$63,390	$102,965	$35,277,620
3	34	$166,355	$63,206	$103,149	$35,174,470
3	35	$166,355	$63,021	$103,334	$35,071,136
3	36	$166,355	$62,836	$103,519	$34,967,617
4	37	$166,355	$62,650	$103,705	$34,863,912
4	38	$166,355	$62,465	$103,890	$34,760,022
4	39	$166,355	$62,278	$104,077	$34,655,945
4	40	$166,355	$62,092	$104,263	$34,551,682
4	41	$166,355	$61,905	$104,450	$34,447,232
4	42	$166,355	$61,718	$104,637	$34,342,595
4	43	$166,355	$61,530	$104,825	$34,237,771
4	44	$166,355	$61,343	$105,012	$34,132,758
4	45	$166,355	$61,155	$105,200	$34,027,558
4	46	$166,355	$60,966	$105,389	$33,922,169
4	47	$166,355	$60,777	$105,578	$33,816,591
4	48	$166,355	$60,588	$105,767	$33,710,824
5	49	$166,355	$60,399	$105,956	$33,604,868
5	50	$166,355	$60,209	$106,146	$33,498,722
5	51	$166,355	$60,019	$106,336	$33,392,385
5	52	$166,355	$59,828	$106,527	$33,285,858
5	53	$166,355	$59,637	$106,718	$33,179,140
5	54	$166,355	$59,446	$106,909	$33,072,231
5	55	$166,355	$59,254	$107,101	$32,965,131
5	56	$166,355	$59,063	$107,292	$32,857,838
5	57	$166,355	$58,870	$107,485	$32,750,354
5	58	$166,355	$58,678	$107,677	$32,642,676
5	59	$166,355	$58,485	$107,870	$32,534,806
5	60	$166,355	$58,292	$108,063	$32,426,743
6	61	$166,355	$58,098	$108,257	$32,318,486
6	62	$166,355	$57,904	$108,451	$32,210,035
6	63	$166,355	$57,710	$108,645	$32,101,389
6	64	$166,355	$57,515	$108,840	$31,992,549
6	65	$166,355	$57,320	$109,035	$31,883,514
6	66	$166,355	$57,125	$109,230	$31,774,284
6	67	$166,355	$56,929	$109,426	$31,664,858
6	68	$166,355	$56,733	$109,622	$31,555,236
6	69	$166,355	$56,536	$109,819	$31,445,417
6	70	$166,355	$56,340	$110,015	$31,335,402
6	71	$166,355	$56,143	$110,212	$31,225,189
6	72	$166,355	$55,945	$110,410	$31,114,780
7	73	$166,355	$55,747	$110,608	$31,004,172
7	74	$166,355	$55,549	$110,806	$30,893,366
7	75	$166,355	$55,351	$111,004	$30,782,362
7	76	$166,355	$55,152	$111,203	$30,671,158
7	77	$166,355	$54,952	$111,403	$30,559,756
7	78	$166,355	$54,753	$111,602	$30,448,154
7	79	$166,355	$54,553	$111,802	$30,336,352
7	80	$166,355	$54,353	$112,002	$30,224,349
7	81	$166,355	$54,152	$112,203	$30,112,146
7	82	$166,355	$53,951	$112,404	$29,999,742
7	83	$166,355	$53,750	$112,605	$29,887,137
7	84	$166,355	$53,548	$112,807	$29,774,330
8	85	$166,355	$53,346	$113,009	$29,661,320
8	86	$166,355	$53,143	$113,212	$29,548,108
8	87	$166,355	$52,940	$113,415	$29,434,694
8	88	$166,355	$52,737	$113,618	$29,321,076
8	89	$166,355	$52,534	$113,821	$29,207,255
8	90	$166,355	$52,330	$114,025	$29,093,229
8	91	$166,355	$52,125	$114,230	$28,979,000
8	92	$166,355	$51,921	$114,434	$28,864,565
8	93	$166,355	$51,716	$114,639	$28,749,926
8	94	$166,355	$51,510	$114,845	$28,635,081
8	95	$166,355	$51,305	$115,050	$28,520,031
8	96	$166,355	$51,098	$115,257	$28,404,774
9	97	$166,355	$50,892	$115,463	$28,289,311
9	98	$166,355	$50,685	$115,670	$28,173,641
9	99	$166,355	$50,478	$115,877	$28,057,764
9	100	$166,355	$50,270	$116,085	$27,941,679
9	101	$166,355	$50,062	$116,293	$27,825,386
9	102	$166,355	$49,854	$116,501	$27,708,885
9	103	$166,355	$49,645	$116,710	$27,592,175
9	104	$166,355	$49,436	$116,919	$27,475,256
9	105	$166,355	$49,227	$117,128	$27,358,128
9	106	$166,355	$49,017	$117,338	$27,240,789
9	107	$166,355	$48,806	$117,549	$27,123,241
9	108	$166,355	$48,596	$117,759	$27,005,482
10	109	$166,355	$48,385	$117,970	$26,887,511
10	110	$166,355	$48,173	$118,182	$26,769,330
10	111	$166,355	$47,962	$118,393	$26,650,937
10	112	$166,355	$47,750	$118,605	$26,532,331
10	113	$166,355	$47,537	$118,818	$26,413,513
10	114	$166,355	$47,324	$119,031	$26,294,482
10	115	$166,355	$47,111	$119,244	$26,175,238
10	116	$166,355	$46,897	$119,458	$26,055,781
10	117	$166,355	$46,683	$119,672	$25,936,109
10	118	$166,355	$46,469	$119,886	$25,816,223
10	119	$166,355	$46,254	$120,101	$25,696,122
10	120	$166,355	$46,039	$120,316	$25,575,806
11	121	$166,355	$45,823	$120,532	$25,455,274
11	122	$166,355	$45,607	$120,748	$25,334,527
11	123	$166,355	$45,391	$120,964	$25,213,563
11	124	$166,355	$45,174	$121,181	$25,092,382
11	125	$166,355	$44,957	$121,398	$24,970,984
11	126	$166,355	$44,740	$121,615	$24,849,369
11	127	$166,355	$44,522	$121,833	$24,727,536
11	128	$166,355	$44,304	$122,051	$24,605,484
11	129	$166,355	$44,085	$122,270	$24,483,214
11	130	$166,355	$43,866	$122,489	$24,360,725
11	131	$166,355	$43,646	$122,709	$24,238,016
11	132	$166,355	$43,426	$122,929	$24,115,087
12	133	$166,355	$43,206	$123,149	$23,991,939
12	134	$166,355	$42,986	$123,369	$23,868,569
12	135	$166,355	$42,765	$123,590	$23,744,979
12	136	$166,355	$42,543	$123,812	$23,621,167
12	137	$166,355	$42,321	$124,034	$23,497,133
12	138	$166,355	$42,099	$124,256	$23,372,877
12	139	$166,355	$41,876	$124,479	$23,248,398
12	140	$166,355	$41,653	$124,702	$23,123,697
12	141	$166,355	$41,430	$124,925	$22,998,772
12	142	$166,355	$41,206	$125,149	$22,873,623
12	143	$166,355	$40,982	$125,373	$22,748,250
12	144	$166,355	$40,757	$125,598	$22,622,652
13	145	$166,355	$40,532	$125,823	$22,496,829
13	146	$166,355	$40,307	$126,048	$22,370,781
13	147	$166,355	$40,081	$126,274	$22,244,507
13	148	$166,355	$39,855	$126,500	$22,118,007
13	149	$166,355	$39,628	$126,727	$21,991,280
13	150	$166,355	$39,401	$126,954	$21,864,326
13	151	$166,355	$39,174	$127,181	$21,737,145
13	152	$166,355	$38,946	$127,409	$21,609,735
13	153	$166,355	$38,717	$127,638	$21,482,098
13	154	$166,355	$38,489	$127,866	$21,354,232
13	155	$166,355	$38,260	$128,095	$21,226,136
13	156	$166,355	$38,030	$128,325	$21,097,812
14	157	$166,355	$37,800	$128,555	$20,969,257
14	158	$166,355	$37,570	$128,785	$20,840,472
14	159	$166,355	$37,339	$129,016	$20,711,456
14	160	$166,355	$37,108	$129,247	$20,582,209
14	161	$166,355	$36,876	$129,479	$20,452,730
14	162	$166,355	$36,644	$129,711	$20,323,020
14	163	$166,355	$36,412	$129,943	$20,193,077
14	164	$166,355	$36,179	$130,176	$20,062,901
14	165	$166,355	$35,946	$130,409	$19,932,492
14	166	$166,355	$35,712	$130,643	$19,801,850
14	167	$166,355	$35,478	$130,877	$19,670,973
14	168	$166,355	$35,244	$131,111	$19,539,862
15	169	$166,355	$35,009	$131,346	$19,408,516
15	170	$166,355	$34,774	$131,581	$19,276,934
15	171	$166,355	$34,538	$131,817	$19,145,117
15	172	$166,355	$34,302	$132,053	$19,013,064
15	173	$166,355	$34,065	$132,290	$18,880,774
15	174	$166,355	$33,828	$132,527	$18,748,247
15	175	$166,355	$33,591	$132,764	$18,615,483
15	176	$166,355	$33,353	$133,002	$18,482,480
15	177	$166,355	$33,114	$133,241	$18,349,240
15	178	$166,355	$32,876	$133,479	$18,215,760
15	179	$166,355	$32,637	$133,718	$18,082,042
15	180	$166,355	$32,397	$133,958	$17,948,084
16	181	$166,355	$32,157	$134,198	$17,813,886
16	182	$166,355	$31,917	$134,438	$17,679,448
16	183	$166,355	$31,676	$134,679	$17,544,768
16	184	$166,355	$31,434	$134,921	$17,409,848
16	185	$166,355	$31,193	$135,162	$17,274,685
16	186	$166,355	$30,950	$135,405	$17,139,281
16	187	$166,355	$30,708	$135,647	$17,003,634
16	188	$166,355	$30,465	$135,890	$16,867,744
16	189	$166,355	$30,221	$136,134	$16,731,610
16	190	$166,355	$29,977	$136,378	$16,595,232
16	191	$166,355	$29,733	$136,622	$16,458,610
16	192	$166,355	$29,488	$136,867	$16,321,744
17	193	$166,355	$29,243	$137,112	$16,184,632
17	194	$166,355	$28,997	$137,358	$16,047,274
17	195	$166,355	$28,751	$137,604	$15,909,671
17	196	$166,355	$28,505	$137,850	$15,771,821
17	197	$166,355	$28,258	$138,097	$15,633,724
17	198	$166,355	$28,010	$138,345	$15,495,379
17	199	$166,355	$27,763	$138,592	$15,356,786
17	200	$166,355	$27,514	$138,841	$15,217,946
17	201	$166,355	$27,265	$139,090	$15,078,856
17	202	$166,355	$27,016	$139,339	$14,939,518
17	203	$166,355	$26,767	$139,588	$14,799,929
17	204	$166,355	$26,517	$139,838	$14,660,091
18	205	$166,355	$26,266	$140,089	$14,520,002
18	206	$166,355	$26,015	$140,340	$14,379,662
18	207	$166,355	$25,764	$140,591	$14,239,070
18	208	$166,355	$25,512	$140,843	$14,098,227
18	209	$166,355	$25,259	$141,096	$13,957,131
18	210	$166,355	$25,007	$141,348	$13,815,783
18	211	$166,355	$24,753	$141,602	$13,674,181
18	212	$166,355	$24,500	$141,855	$13,532,326
18	213	$166,355	$24,245	$142,110	$13,390,216
18	214	$166,355	$23,991	$142,364	$13,247,852
18	215	$166,355	$23,736	$142,619	$13,105,233
18	216	$166,355	$23,480	$142,875	$12,962,358
19	217	$166,355	$23,224	$143,131	$12,819,227
19	218	$166,355	$22,968	$143,387	$12,675,840
19	219	$166,355	$22,711	$143,644	$12,532,196
19	220	$166,355	$22,454	$143,901	$12,388,294
19	221	$166,355	$22,196	$144,159	$12,244,135
19	222	$166,355	$21,937	$144,418	$12,099,717
19	223	$166,355	$21,679	$144,676	$11,955,041
19	224	$166,355	$21,419	$144,936	$11,810,106
19	225	$166,355	$21,160	$145,195	$11,664,910
19	226	$166,355	$20,900	$145,455	$11,519,455
19	227	$166,355	$20,639	$145,716	$11,373,739
19	228	$166,355	$20,378	$145,977	$11,227,762
20	229	$166,355	$20,116	$146,239	$11,081,523
20	230	$166,355	$19,854	$146,501	$10,935,023
20	231	$166,355	$19,592	$146,763	$10,788,260
20	232	$166,355	$19,329	$147,026	$10,641,234
20	233	$166,355	$19,066	$147,289	$10,493,944
20	234	$166,355	$18,802	$147,553	$10,346,391
20	235	$166,355	$18,537	$147,818	$10,198,573
20	236	$166,355	$18,272	$148,083	$10,050,491
20	237	$166,355	$18,007	$148,348	$9,902,143
20	238	$166,355	$17,741	$148,614	$9,753,529
20	239	$166,355	$17,475	$148,880	$9,604,649
20	240	$166,355	$17,208	$149,147	$9,455,502
21	241	$166,355	$16,941	$149,414	$9,306,089
21	242	$166,355	$16,673	$149,682	$9,156,407
21	243	$166,355	$16,405	$149,950	$9,006,457
21	244	$166,355	$16,137	$150,218	$8,856,239
21	245	$166,355	$15,867	$150,488	$8,705,751
21	246	$166,355	$15,598	$150,757	$8,554,994
21	247	$166,355	$15,328	$151,027	$8,403,967
21	248	$166,355	$15,057	$151,298	$8,252,669
21	249	$166,355	$14,786	$151,569	$8,101,100
21	250	$166,355	$14,514	$151,841	$7,949,259
21	251	$166,355	$14,242	$152,113	$7,797,147
21	252	$166,355	$13,970	$152,385	$7,644,762
22	253	$166,355	$13,697	$152,658	$7,492,104
22	254	$166,355	$13,423	$152,932	$7,339,172
22	255	$166,355	$13,149	$153,206	$7,185,966
22	256	$166,355	$12,875	$153,480	$7,032,486
22	257	$166,355	$12,600	$153,755	$6,878,731
22	258	$166,355	$12,324	$154,031	$6,724,700
22	259	$166,355	$12,048	$154,307	$6,570,394
22	260	$166,355	$11,772	$154,583	$6,415,811
22	261	$166,355	$11,495	$154,860	$6,260,951
22	262	$166,355	$11,218	$155,137	$6,105,813
22	263	$166,355	$10,940	$155,415	$5,950,398
22	264	$166,355	$10,661	$155,694	$5,794,704
23	265	$166,355	$10,382	$155,973	$5,638,731
23	266	$166,355	$10,103	$156,252	$5,482,479
23	267	$166,355	$9,823	$156,532	$5,325,947
23	268	$166,355	$9,542	$156,813	$5,169,134
23	269	$166,355	$9,261	$157,094	$5,012,040
23	270	$166,355	$8,980	$157,375	$4,854,665
23	271	$166,355	$8,698	$157,657	$4,697,008
23	272	$166,355	$8,415	$157,940	$4,539,069
23	273	$166,355	$8,132	$158,222	$4,380,846
23	274	$166,355	$7,849	$158,506	$4,222,340
23	275	$166,355	$7,565	$158,790	$4,063,550
23	276	$166,355	$7,281	$159,074	$3,904,476
24	277	$166,355	$6,996	$159,359	$3,745,116
24	278	$166,355	$6,710	$159,645	$3,585,471
24	279	$166,355	$6,424	$159,931	$3,425,540
24	280	$166,355	$6,137	$160,218	$3,265,323
24	281	$166,355	$5,850	$160,505	$3,104,818
24	282	$166,355	$5,563	$160,792	$2,944,026
24	283	$166,355	$5,275	$161,080	$2,782,946
24	284	$166,355	$4,986	$161,369	$2,621,577
24	285	$166,355	$4,697	$161,658	$2,459,919
24	286	$166,355	$4,407	$161,948	$2,297,971
24	287	$166,355	$4,117	$162,238	$2,135,733
24	288	$166,355	$3,827	$162,528	$1,973,205
25	289	$166,355	$3,535	$162,820	$1,810,385
25	290	$166,355	$3,244	$163,111	$1,647,274
25	291	$166,355	$2,951	$163,404	$1,483,870
25	292	$166,355	$2,659	$163,696	$1,320,174
25	293	$166,355	$2,365	$163,990	$1,156,184
25	294	$166,355	$2,071	$164,283	$991,901
25	295	$166,355	$1,777	$164,578	$827,323
25	296	$166,355	$1,482	$164,873	$662,450
25	297	$166,355	$1,187	$165,168	$497,282
25	298	$166,355	$891	$165,464	$331,818
25	299	$166,355	$595	$165,760	$166,057
25	300	$166,355	$298	$166,057	$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$ 25,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 26,363,000

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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.