Century 21 Centaland Property

Down Payment (HKD)

$15,200,000

Monthly Repayment (HKD)

$98,312

Loan Amount (HKD)

$22,800,000

Total Interest (HKD)

$6,693,732

Total Repayment (HKD)

$29,493,732

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$98,312	$40,850	$57,462	$22,742,538
1	2	$98,312	$40,747	$57,565	$22,684,972
1	3	$98,312	$40,644	$57,669	$22,627,304
1	4	$98,312	$40,541	$57,772	$22,569,532
1	5	$98,312	$40,437	$57,875	$22,511,656
1	6	$98,312	$40,333	$57,979	$22,453,677
1	7	$98,312	$40,230	$58,083	$22,395,594
1	8	$98,312	$40,125	$58,187	$22,337,407
1	9	$98,312	$40,021	$58,291	$22,279,116
1	10	$98,312	$39,917	$58,396	$22,220,721
1	11	$98,312	$39,812	$58,500	$22,162,220
1	12	$98,312	$39,707	$58,605	$22,103,615
2	13	$98,312	$39,602	$58,710	$22,044,905
2	14	$98,312	$39,497	$58,815	$21,986,090
2	15	$98,312	$39,392	$58,921	$21,927,169
2	16	$98,312	$39,286	$59,026	$21,868,143
2	17	$98,312	$39,180	$59,132	$21,809,011
2	18	$98,312	$39,074	$59,238	$21,749,773
2	19	$98,312	$38,968	$59,344	$21,690,429
2	20	$98,312	$38,862	$59,450	$21,630,978
2	21	$98,312	$38,756	$59,557	$21,571,421
2	22	$98,312	$38,649	$59,664	$21,511,758
2	23	$98,312	$38,542	$59,771	$21,451,987
2	24	$98,312	$38,435	$59,878	$21,392,109
3	25	$98,312	$38,328	$59,985	$21,332,125
3	26	$98,312	$38,220	$60,092	$21,272,032
3	27	$98,312	$38,112	$60,200	$21,211,832
3	28	$98,312	$38,005	$60,308	$21,151,524
3	29	$98,312	$37,896	$60,416	$21,091,108
3	30	$98,312	$37,788	$60,524	$21,030,584
3	31	$98,312	$37,680	$60,633	$20,969,951
3	32	$98,312	$37,571	$60,741	$20,909,210
3	33	$98,312	$37,462	$60,850	$20,848,360
3	34	$98,312	$37,353	$60,959	$20,787,401
3	35	$98,312	$37,244	$61,068	$20,726,333
3	36	$98,312	$37,135	$61,178	$20,665,155
4	37	$98,312	$37,025	$61,287	$20,603,867
4	38	$98,312	$36,915	$61,397	$20,542,470
4	39	$98,312	$36,805	$61,507	$20,480,963
4	40	$98,312	$36,695	$61,617	$20,419,346
4	41	$98,312	$36,585	$61,728	$20,357,618
4	42	$98,312	$36,474	$61,838	$20,295,780
4	43	$98,312	$36,363	$61,949	$20,233,830
4	44	$98,312	$36,252	$62,060	$20,171,770
4	45	$98,312	$36,141	$62,171	$20,109,599
4	46	$98,312	$36,030	$62,283	$20,047,316
4	47	$98,312	$35,918	$62,394	$19,984,922
4	48	$98,312	$35,806	$62,506	$19,922,416
5	49	$98,312	$35,694	$62,618	$19,859,798
5	50	$98,312	$35,582	$62,730	$19,797,067
5	51	$98,312	$35,470	$62,843	$19,734,225
5	52	$98,312	$35,357	$62,955	$19,671,269
5	53	$98,312	$35,244	$63,068	$19,608,201
5	54	$98,312	$35,131	$63,181	$19,545,020
5	55	$98,312	$35,018	$63,294	$19,481,726
5	56	$98,312	$34,905	$63,408	$19,418,318
5	57	$98,312	$34,791	$63,521	$19,354,797
5	58	$98,312	$34,677	$63,635	$19,291,162
5	59	$98,312	$34,563	$63,749	$19,227,413
5	60	$98,312	$34,449	$63,863	$19,163,549
6	61	$98,312	$34,335	$63,978	$19,099,572
6	62	$98,312	$34,220	$64,092	$19,035,479
6	63	$98,312	$34,105	$64,207	$18,971,272
6	64	$98,312	$33,990	$64,322	$18,906,950
6	65	$98,312	$33,875	$64,437	$18,842,512
6	66	$98,312	$33,760	$64,553	$18,777,959
6	67	$98,312	$33,644	$64,669	$18,713,291
6	68	$98,312	$33,528	$64,784	$18,648,506
6	69	$98,312	$33,412	$64,901	$18,583,606
6	70	$98,312	$33,296	$65,017	$18,518,589
6	71	$98,312	$33,179	$65,133	$18,453,456
6	72	$98,312	$33,062	$65,250	$18,388,206
7	73	$98,312	$32,946	$65,367	$18,322,839
7	74	$98,312	$32,828	$65,484	$18,257,355
7	75	$98,312	$32,711	$65,601	$18,191,753
7	76	$98,312	$32,594	$65,719	$18,126,034
7	77	$98,312	$32,476	$65,837	$18,060,198
7	78	$98,312	$32,358	$65,955	$17,994,243
7	79	$98,312	$32,240	$66,073	$17,928,171
7	80	$98,312	$32,121	$66,191	$17,861,979
7	81	$98,312	$32,003	$66,310	$17,795,670
7	82	$98,312	$31,884	$66,429	$17,729,241
7	83	$98,312	$31,765	$66,548	$17,662,694
7	84	$98,312	$31,646	$66,667	$17,596,027
8	85	$98,312	$31,526	$66,786	$17,529,241
8	86	$98,312	$31,407	$66,906	$17,462,335
8	87	$98,312	$31,287	$67,026	$17,395,309
8	88	$98,312	$31,167	$67,146	$17,328,163
8	89	$98,312	$31,046	$67,266	$17,260,897
8	90	$98,312	$30,926	$67,387	$17,193,510
8	91	$98,312	$30,805	$67,507	$17,126,003
8	92	$98,312	$30,684	$67,628	$17,058,375
8	93	$98,312	$30,563	$67,750	$16,990,625
8	94	$98,312	$30,442	$67,871	$16,922,754
8	95	$98,312	$30,320	$67,993	$16,854,762
8	96	$98,312	$30,198	$68,114	$16,786,647
9	97	$98,312	$30,076	$68,236	$16,718,411
9	98	$98,312	$29,954	$68,359	$16,650,052
9	99	$98,312	$29,831	$68,481	$16,581,571
9	100	$98,312	$29,709	$68,604	$16,512,967
9	101	$98,312	$29,586	$68,727	$16,444,241
9	102	$98,312	$29,463	$68,850	$16,375,391
9	103	$98,312	$29,339	$68,973	$16,306,418
9	104	$98,312	$29,216	$69,097	$16,237,321
9	105	$98,312	$29,092	$69,221	$16,168,100
9	106	$98,312	$28,968	$69,345	$16,098,756
9	107	$98,312	$28,844	$69,469	$16,029,287
9	108	$98,312	$28,719	$69,593	$15,959,694
10	109	$98,312	$28,594	$69,718	$15,889,976
10	110	$98,312	$28,470	$69,843	$15,820,133
10	111	$98,312	$28,344	$69,968	$15,750,165
10	112	$98,312	$28,219	$70,093	$15,680,071
10	113	$98,312	$28,093	$70,219	$15,609,852
10	114	$98,312	$27,968	$70,345	$15,539,508
10	115	$98,312	$27,842	$70,471	$15,469,037
10	116	$98,312	$27,715	$70,597	$15,398,440
10	117	$98,312	$27,589	$70,724	$15,327,716
10	118	$98,312	$27,462	$70,850	$15,256,866
10	119	$98,312	$27,335	$70,977	$15,185,889
10	120	$98,312	$27,208	$71,104	$15,114,784
11	121	$98,312	$27,081	$71,232	$15,043,552
11	122	$98,312	$26,953	$71,359	$14,972,193
11	123	$98,312	$26,825	$71,487	$14,900,706
11	124	$98,312	$26,697	$71,615	$14,829,090
11	125	$98,312	$26,569	$71,744	$14,757,347
11	126	$98,312	$26,440	$71,872	$14,685,475
11	127	$98,312	$26,311	$72,001	$14,613,474
11	128	$98,312	$26,182	$72,130	$14,541,344
11	129	$98,312	$26,053	$72,259	$14,469,084
11	130	$98,312	$25,924	$72,389	$14,396,696
11	131	$98,312	$25,794	$72,518	$14,324,177
11	132	$98,312	$25,664	$72,648	$14,251,529
12	133	$98,312	$25,534	$72,778	$14,178,751
12	134	$98,312	$25,404	$72,909	$14,105,842
12	135	$98,312	$25,273	$73,039	$14,032,802
12	136	$98,312	$25,142	$73,170	$13,959,632
12	137	$98,312	$25,011	$73,301	$13,886,331
12	138	$98,312	$24,880	$73,433	$13,812,898
12	139	$98,312	$24,748	$73,564	$13,739,333
12	140	$98,312	$24,616	$73,696	$13,665,637
12	141	$98,312	$24,484	$73,828	$13,591,809
12	142	$98,312	$24,352	$73,960	$13,517,849
12	143	$98,312	$24,219	$74,093	$13,443,756
12	144	$98,312	$24,087	$74,226	$13,369,530
13	145	$98,312	$23,954	$74,359	$13,295,171
13	146	$98,312	$23,821	$74,492	$13,220,679
13	147	$98,312	$23,687	$74,625	$13,146,054
13	148	$98,312	$23,553	$74,759	$13,071,295
13	149	$98,312	$23,419	$74,893	$12,996,402
13	150	$98,312	$23,285	$75,027	$12,921,375
13	151	$98,312	$23,151	$75,162	$12,846,213
13	152	$98,312	$23,016	$75,296	$12,770,917
13	153	$98,312	$22,881	$75,431	$12,695,486
13	154	$98,312	$22,746	$75,566	$12,619,919
13	155	$98,312	$22,611	$75,702	$12,544,217
13	156	$98,312	$22,475	$75,837	$12,468,380
14	157	$98,312	$22,339	$75,973	$12,392,407
14	158	$98,312	$22,203	$76,109	$12,316,297
14	159	$98,312	$22,067	$76,246	$12,240,052
14	160	$98,312	$21,930	$76,382	$12,163,669
14	161	$98,312	$21,793	$76,519	$12,087,150
14	162	$98,312	$21,656	$76,656	$12,010,494
14	163	$98,312	$21,519	$76,794	$11,933,700
14	164	$98,312	$21,381	$76,931	$11,856,769
14	165	$98,312	$21,243	$77,069	$11,779,700
14	166	$98,312	$21,105	$77,207	$11,702,493
14	167	$98,312	$20,967	$77,345	$11,625,147
14	168	$98,312	$20,828	$77,484	$11,547,663
15	169	$98,312	$20,690	$77,623	$11,470,040
15	170	$98,312	$20,550	$77,762	$11,392,278
15	171	$98,312	$20,411	$77,901	$11,314,377
15	172	$98,312	$20,272	$78,041	$11,236,336
15	173	$98,312	$20,132	$78,181	$11,158,156
15	174	$98,312	$19,992	$78,321	$11,079,835
15	175	$98,312	$19,851	$78,461	$11,001,374
15	176	$98,312	$19,711	$78,602	$10,922,772
15	177	$98,312	$19,570	$78,742	$10,844,030
15	178	$98,312	$19,429	$78,884	$10,765,146
15	179	$98,312	$19,288	$79,025	$10,686,121
15	180	$98,312	$19,146	$79,166	$10,606,955
16	181	$98,312	$19,004	$79,308	$10,527,646
16	182	$98,312	$18,862	$79,450	$10,448,196
16	183	$98,312	$18,720	$79,593	$10,368,603
16	184	$98,312	$18,577	$79,735	$10,288,868
16	185	$98,312	$18,434	$79,878	$10,208,990
16	186	$98,312	$18,291	$80,021	$10,128,968
16	187	$98,312	$18,148	$80,165	$10,048,804
16	188	$98,312	$18,004	$80,308	$9,968,495
16	189	$98,312	$17,860	$80,452	$9,888,043
16	190	$98,312	$17,716	$80,596	$9,807,447
16	191	$98,312	$17,572	$80,741	$9,726,706
16	192	$98,312	$17,427	$80,885	$9,645,821
17	193	$98,312	$17,282	$81,030	$9,564,790
17	194	$98,312	$17,137	$81,176	$9,483,615
17	195	$98,312	$16,991	$81,321	$9,402,294
17	196	$98,312	$16,846	$81,467	$9,320,827
17	197	$98,312	$16,700	$81,613	$9,239,215
17	198	$98,312	$16,554	$81,759	$9,157,456
17	199	$98,312	$16,407	$81,905	$9,075,550
17	200	$98,312	$16,260	$82,052	$8,993,498
17	201	$98,312	$16,113	$82,199	$8,911,299
17	202	$98,312	$15,966	$82,346	$8,828,953
17	203	$98,312	$15,819	$82,494	$8,746,459
17	204	$98,312	$15,671	$82,642	$8,663,817
18	205	$98,312	$15,523	$82,790	$8,581,027
18	206	$98,312	$15,374	$82,938	$8,498,089
18	207	$98,312	$15,226	$83,087	$8,415,003
18	208	$98,312	$15,077	$83,236	$8,331,767
18	209	$98,312	$14,928	$83,385	$8,248,382
18	210	$98,312	$14,778	$83,534	$8,164,848
18	211	$98,312	$14,629	$83,684	$8,081,165
18	212	$98,312	$14,479	$83,834	$7,997,331
18	213	$98,312	$14,329	$83,984	$7,913,347
18	214	$98,312	$14,178	$84,134	$7,829,213
18	215	$98,312	$14,027	$84,285	$7,744,928
18	216	$98,312	$13,876	$84,436	$7,660,491
19	217	$98,312	$13,725	$84,587	$7,575,904
19	218	$98,312	$13,573	$84,739	$7,491,165
19	219	$98,312	$13,422	$84,891	$7,406,274
19	220	$98,312	$13,270	$85,043	$7,321,231
19	221	$98,312	$13,117	$85,195	$7,236,036
19	222	$98,312	$12,965	$85,348	$7,150,688
19	223	$98,312	$12,812	$85,501	$7,065,188
19	224	$98,312	$12,658	$85,654	$6,979,534
19	225	$98,312	$12,505	$85,807	$6,893,726
19	226	$98,312	$12,351	$85,961	$6,807,765
19	227	$98,312	$12,197	$86,115	$6,721,650
19	228	$98,312	$12,043	$86,269	$6,635,380
20	229	$98,312	$11,888	$86,424	$6,548,956
20	230	$98,312	$11,734	$86,579	$6,462,377
20	231	$98,312	$11,578	$86,734	$6,375,643
20	232	$98,312	$11,423	$86,889	$6,288,754
20	233	$98,312	$11,267	$87,045	$6,201,709
20	234	$98,312	$11,111	$87,201	$6,114,508
20	235	$98,312	$10,955	$87,357	$6,027,151
20	236	$98,312	$10,799	$87,514	$5,939,637
20	237	$98,312	$10,642	$87,671	$5,851,966
20	238	$98,312	$10,485	$87,828	$5,764,138
20	239	$98,312	$10,327	$87,985	$5,676,153
20	240	$98,312	$10,170	$88,143	$5,588,011
21	241	$98,312	$10,012	$88,301	$5,499,710
21	242	$98,312	$9,854	$88,459	$5,411,251
21	243	$98,312	$9,695	$88,617	$5,322,634
21	244	$98,312	$9,536	$88,776	$5,233,858
21	245	$98,312	$9,377	$88,935	$5,144,923
21	246	$98,312	$9,218	$89,094	$5,055,829
21	247	$98,312	$9,058	$89,254	$4,966,574
21	248	$98,312	$8,898	$89,414	$4,877,160
21	249	$98,312	$8,738	$89,574	$4,787,586
21	250	$98,312	$8,578	$89,735	$4,697,852
21	251	$98,312	$8,417	$89,895	$4,607,956
21	252	$98,312	$8,256	$90,057	$4,517,900
22	253	$98,312	$8,095	$90,218	$4,427,682
22	254	$98,312	$7,933	$90,380	$4,337,302
22	255	$98,312	$7,771	$90,541	$4,246,761
22	256	$98,312	$7,609	$90,704	$4,156,057
22	257	$98,312	$7,446	$90,866	$4,065,191
22	258	$98,312	$7,283	$91,029	$3,974,162
22	259	$98,312	$7,120	$91,192	$3,882,970
22	260	$98,312	$6,957	$91,355	$3,791,614
22	261	$98,312	$6,793	$91,519	$3,700,095
22	262	$98,312	$6,629	$91,683	$3,608,412
22	263	$98,312	$6,465	$91,847	$3,516,565
22	264	$98,312	$6,301	$92,012	$3,424,553
23	265	$98,312	$6,136	$92,177	$3,332,376
23	266	$98,312	$5,971	$92,342	$3,240,034
23	267	$98,312	$5,805	$92,507	$3,147,527
23	268	$98,312	$5,639	$92,673	$3,054,854
23	269	$98,312	$5,473	$92,839	$2,962,015
23	270	$98,312	$5,307	$93,005	$2,869,009
23	271	$98,312	$5,140	$93,172	$2,775,837
23	272	$98,312	$4,973	$93,339	$2,682,498
23	273	$98,312	$4,806	$93,506	$2,588,992
23	274	$98,312	$4,639	$93,674	$2,495,318
23	275	$98,312	$4,471	$93,842	$2,401,476
23	276	$98,312	$4,303	$94,010	$2,307,466
24	277	$98,312	$4,134	$94,178	$2,213,288
24	278	$98,312	$3,965	$94,347	$2,118,941
24	279	$98,312	$3,796	$94,516	$2,024,425
24	280	$98,312	$3,627	$94,685	$1,929,740
24	281	$98,312	$3,457	$94,855	$1,834,885
24	282	$98,312	$3,288	$95,025	$1,739,860
24	283	$98,312	$3,117	$95,195	$1,644,665
24	284	$98,312	$2,947	$95,366	$1,549,299
24	285	$98,312	$2,776	$95,537	$1,453,762
24	286	$98,312	$2,605	$95,708	$1,358,055
24	287	$98,312	$2,433	$95,879	$1,262,175
24	288	$98,312	$2,261	$96,051	$1,166,124
25	289	$98,312	$2,089	$96,223	$1,069,901
25	290	$98,312	$1,917	$96,396	$973,506
25	291	$98,312	$1,744	$96,568	$876,937
25	292	$98,312	$1,571	$96,741	$780,196
25	293	$98,312	$1,398	$96,915	$683,281
25	294	$98,312	$1,224	$97,088	$586,193
25	295	$98,312	$1,050	$97,262	$488,931
25	296	$98,312	$876	$97,436	$391,495
25	297	$98,312	$701	$97,611	$293,884
25	298	$98,312	$527	$97,786	$196,098
25	299	$98,312	$351	$97,961	$98,137
25	300	$98,312	$176	$98,137	$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$ 15,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,580,000

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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.