Century 21 Centaland Property

Down Payment (HKD)

$27,600,000

Monthly Repayment (HKD)

$178,515

Loan Amount (HKD)

$41,400,000

Total Interest (HKD)

$12,154,407

Total Repayment (HKD)

$53,554,407

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$178,515	$74,175	$104,340	$41,295,660
1	2	$178,515	$73,988	$104,527	$41,191,134
1	3	$178,515	$73,801	$104,714	$41,086,420
1	4	$178,515	$73,613	$104,902	$40,981,518
1	5	$178,515	$73,425	$105,089	$40,876,429
1	6	$178,515	$73,237	$105,278	$40,771,151
1	7	$178,515	$73,048	$105,466	$40,665,685
1	8	$178,515	$72,859	$105,655	$40,560,029
1	9	$178,515	$72,670	$105,845	$40,454,185
1	10	$178,515	$72,480	$106,034	$40,348,150
1	11	$178,515	$72,290	$106,224	$40,241,926
1	12	$178,515	$72,100	$106,415	$40,135,512
2	13	$178,515	$71,909	$106,605	$40,028,906
2	14	$178,515	$71,718	$106,796	$39,922,110
2	15	$178,515	$71,527	$106,988	$39,815,123
2	16	$178,515	$71,335	$107,179	$39,707,943
2	17	$178,515	$71,143	$107,371	$39,600,572
2	18	$178,515	$70,951	$107,564	$39,493,008
2	19	$178,515	$70,758	$107,756	$39,385,252
2	20	$178,515	$70,565	$107,949	$39,277,302
2	21	$178,515	$70,372	$108,143	$39,169,160
2	22	$178,515	$70,178	$108,337	$39,060,823
2	23	$178,515	$69,984	$108,531	$38,952,292
2	24	$178,515	$69,790	$108,725	$38,843,567
3	25	$178,515	$69,595	$108,920	$38,734,647
3	26	$178,515	$69,400	$109,115	$38,625,532
3	27	$178,515	$69,204	$109,311	$38,516,221
3	28	$178,515	$69,008	$109,506	$38,406,715
3	29	$178,515	$68,812	$109,703	$38,297,012
3	30	$178,515	$68,615	$109,899	$38,187,113
3	31	$178,515	$68,419	$110,096	$38,077,017
3	32	$178,515	$68,221	$110,293	$37,966,724
3	33	$178,515	$68,024	$110,491	$37,856,233
3	34	$178,515	$67,826	$110,689	$37,745,544
3	35	$178,515	$67,627	$110,887	$37,634,656
3	36	$178,515	$67,429	$111,086	$37,523,570
4	37	$178,515	$67,230	$111,285	$37,412,286
4	38	$178,515	$67,030	$111,484	$37,300,801
4	39	$178,515	$66,831	$111,684	$37,189,117
4	40	$178,515	$66,631	$111,884	$37,077,233
4	41	$178,515	$66,430	$112,085	$36,965,148
4	42	$178,515	$66,229	$112,285	$36,852,863
4	43	$178,515	$66,028	$112,487	$36,740,376
4	44	$178,515	$65,827	$112,688	$36,627,688
4	45	$178,515	$65,625	$112,890	$36,514,798
4	46	$178,515	$65,422	$113,092	$36,401,706
4	47	$178,515	$65,220	$113,295	$36,288,411
4	48	$178,515	$65,017	$113,498	$36,174,913
5	49	$178,515	$64,813	$113,701	$36,061,211
5	50	$178,515	$64,610	$113,905	$35,947,306
5	51	$178,515	$64,406	$114,109	$35,833,197
5	52	$178,515	$64,201	$114,314	$35,718,884
5	53	$178,515	$63,996	$114,518	$35,604,365
5	54	$178,515	$63,791	$114,724	$35,489,642
5	55	$178,515	$63,586	$114,929	$35,374,713
5	56	$178,515	$63,380	$115,135	$35,259,578
5	57	$178,515	$63,173	$115,341	$35,144,236
5	58	$178,515	$62,967	$115,548	$35,028,688
5	59	$178,515	$62,760	$115,755	$34,912,933
5	60	$178,515	$62,552	$115,962	$34,796,971
6	61	$178,515	$62,345	$116,170	$34,680,801
6	62	$178,515	$62,136	$116,378	$34,564,423
6	63	$178,515	$61,928	$116,587	$34,447,836
6	64	$178,515	$61,719	$116,796	$34,331,040
6	65	$178,515	$61,510	$117,005	$34,214,035
6	66	$178,515	$61,300	$117,215	$34,096,821
6	67	$178,515	$61,090	$117,425	$33,979,396
6	68	$178,515	$60,880	$117,635	$33,861,761
6	69	$178,515	$60,669	$117,846	$33,743,916
6	70	$178,515	$60,458	$118,057	$33,625,859
6	71	$178,515	$60,246	$118,268	$33,507,590
6	72	$178,515	$60,034	$118,480	$33,389,110
7	73	$178,515	$59,822	$118,693	$33,270,418
7	74	$178,515	$59,609	$118,905	$33,151,512
7	75	$178,515	$59,396	$119,118	$33,032,394
7	76	$178,515	$59,183	$119,332	$32,913,063
7	77	$178,515	$58,969	$119,545	$32,793,517
7	78	$178,515	$58,755	$119,760	$32,673,758
7	79	$178,515	$58,540	$119,974	$32,553,783
7	80	$178,515	$58,326	$120,189	$32,433,594
7	81	$178,515	$58,110	$120,405	$32,313,190
7	82	$178,515	$57,894	$120,620	$32,192,569
7	83	$178,515	$57,678	$120,836	$32,071,733
7	84	$178,515	$57,462	$121,053	$31,950,680
8	85	$178,515	$57,245	$121,270	$31,829,411
8	86	$178,515	$57,028	$121,487	$31,707,924
8	87	$178,515	$56,810	$121,705	$31,586,219
8	88	$178,515	$56,592	$121,923	$31,464,296
8	89	$178,515	$56,374	$122,141	$31,342,155
8	90	$178,515	$56,155	$122,360	$31,219,795
8	91	$178,515	$55,935	$122,579	$31,097,216
8	92	$178,515	$55,716	$122,799	$30,974,417
8	93	$178,515	$55,496	$123,019	$30,851,398
8	94	$178,515	$55,275	$123,239	$30,728,159
8	95	$178,515	$55,055	$123,460	$30,604,699
8	96	$178,515	$54,833	$123,681	$30,481,017
9	97	$178,515	$54,612	$123,903	$30,357,115
9	98	$178,515	$54,390	$124,125	$30,232,990
9	99	$178,515	$54,167	$124,347	$30,108,642
9	100	$178,515	$53,945	$124,570	$29,984,072
9	101	$178,515	$53,721	$124,793	$29,859,279
9	102	$178,515	$53,498	$125,017	$29,734,262
9	103	$178,515	$53,274	$125,241	$29,609,022
9	104	$178,515	$53,049	$125,465	$29,483,556
9	105	$178,515	$52,825	$125,690	$29,357,866
9	106	$178,515	$52,600	$125,915	$29,231,951
9	107	$178,515	$52,374	$126,141	$29,105,810
9	108	$178,515	$52,148	$126,367	$28,979,444
10	109	$178,515	$51,922	$126,593	$28,852,850
10	110	$178,515	$51,695	$126,820	$28,726,030
10	111	$178,515	$51,467	$127,047	$28,598,983
10	112	$178,515	$51,240	$127,275	$28,471,708
10	113	$178,515	$51,012	$127,503	$28,344,206
10	114	$178,515	$50,783	$127,731	$28,216,474
10	115	$178,515	$50,555	$127,960	$28,088,514
10	116	$178,515	$50,325	$128,189	$27,960,325
10	117	$178,515	$50,096	$128,419	$27,831,905
10	118	$178,515	$49,865	$128,649	$27,703,256
10	119	$178,515	$49,635	$128,880	$27,574,377
10	120	$178,515	$49,404	$129,111	$27,445,266
11	121	$178,515	$49,173	$129,342	$27,315,924
11	122	$178,515	$48,941	$129,574	$27,186,350
11	123	$178,515	$48,709	$129,806	$27,056,545
11	124	$178,515	$48,476	$130,038	$26,926,506
11	125	$178,515	$48,243	$130,271	$26,796,235
11	126	$178,515	$48,010	$130,505	$26,665,730
11	127	$178,515	$47,776	$130,739	$26,534,991
11	128	$178,515	$47,542	$130,973	$26,404,019
11	129	$178,515	$47,307	$131,207	$26,272,811
11	130	$178,515	$47,072	$131,443	$26,141,369
11	131	$178,515	$46,837	$131,678	$26,009,691
11	132	$178,515	$46,601	$131,914	$25,877,777
12	133	$178,515	$46,364	$132,150	$25,745,626
12	134	$178,515	$46,128	$132,387	$25,613,239
12	135	$178,515	$45,890	$132,624	$25,480,615
12	136	$178,515	$45,653	$132,862	$25,347,753
12	137	$178,515	$45,415	$133,100	$25,214,653
12	138	$178,515	$45,176	$133,338	$25,081,314
12	139	$178,515	$44,937	$133,577	$24,947,737
12	140	$178,515	$44,698	$133,817	$24,813,920
12	141	$178,515	$44,458	$134,056	$24,679,864
12	142	$178,515	$44,218	$134,297	$24,545,567
12	143	$178,515	$43,977	$134,537	$24,411,030
12	144	$178,515	$43,736	$134,778	$24,276,252
13	145	$178,515	$43,495	$135,020	$24,141,232
13	146	$178,515	$43,253	$135,262	$24,005,971
13	147	$178,515	$43,011	$135,504	$23,870,467
13	148	$178,515	$42,768	$135,747	$23,734,720
13	149	$178,515	$42,525	$135,990	$23,598,730
13	150	$178,515	$42,281	$136,234	$23,462,496
13	151	$178,515	$42,037	$136,478	$23,326,018
13	152	$178,515	$41,792	$136,722	$23,189,296
13	153	$178,515	$41,547	$136,967	$23,052,329
13	154	$178,515	$41,302	$137,213	$22,915,116
13	155	$178,515	$41,056	$137,458	$22,777,658
13	156	$178,515	$40,810	$137,705	$22,639,953
14	157	$178,515	$40,563	$137,951	$22,502,002
14	158	$178,515	$40,316	$138,199	$22,363,803
14	159	$178,515	$40,068	$138,446	$22,225,357
14	160	$178,515	$39,820	$138,694	$22,086,663
14	161	$178,515	$39,572	$138,943	$21,947,720
14	162	$178,515	$39,323	$139,192	$21,808,528
14	163	$178,515	$39,074	$139,441	$21,669,087
14	164	$178,515	$38,824	$139,691	$21,529,396
14	165	$178,515	$38,574	$139,941	$21,389,455
14	166	$178,515	$38,323	$140,192	$21,249,263
14	167	$178,515	$38,072	$140,443	$21,108,820
14	168	$178,515	$37,820	$140,695	$20,968,125
15	169	$178,515	$37,568	$140,947	$20,827,179
15	170	$178,515	$37,315	$141,199	$20,685,979
15	171	$178,515	$37,062	$141,452	$20,544,527
15	172	$178,515	$36,809	$141,706	$20,402,821
15	173	$178,515	$36,555	$141,960	$20,260,862
15	174	$178,515	$36,301	$142,214	$20,118,648
15	175	$178,515	$36,046	$142,469	$19,976,179
15	176	$178,515	$35,791	$142,724	$19,833,455
15	177	$178,515	$35,535	$142,980	$19,690,475
15	178	$178,515	$35,279	$143,236	$19,547,239
15	179	$178,515	$35,022	$143,493	$19,403,747
15	180	$178,515	$34,765	$143,750	$19,259,997
16	181	$178,515	$34,507	$144,007	$19,115,990
16	182	$178,515	$34,249	$144,265	$18,971,724
16	183	$178,515	$33,991	$144,524	$18,827,201
16	184	$178,515	$33,732	$144,783	$18,682,418
16	185	$178,515	$33,473	$145,042	$18,537,376
16	186	$178,515	$33,213	$145,302	$18,392,074
16	187	$178,515	$32,952	$145,562	$18,246,512
16	188	$178,515	$32,692	$145,823	$18,100,689
16	189	$178,515	$32,430	$146,084	$17,954,605
16	190	$178,515	$32,169	$146,346	$17,808,259
16	191	$178,515	$31,906	$146,608	$17,661,650
16	192	$178,515	$31,644	$146,871	$17,514,780
17	193	$178,515	$31,381	$147,134	$17,367,646
17	194	$178,515	$31,117	$147,398	$17,220,248
17	195	$178,515	$30,853	$147,662	$17,072,586
17	196	$178,515	$30,588	$147,926	$16,924,660
17	197	$178,515	$30,323	$148,191	$16,776,468
17	198	$178,515	$30,058	$148,457	$16,628,012
17	199	$178,515	$29,792	$148,723	$16,479,289
17	200	$178,515	$29,525	$148,989	$16,330,299
17	201	$178,515	$29,258	$149,256	$16,181,043
17	202	$178,515	$28,991	$149,524	$16,031,520
17	203	$178,515	$28,723	$149,792	$15,881,728
17	204	$178,515	$28,455	$150,060	$15,731,668
18	205	$178,515	$28,186	$150,329	$15,581,339
18	206	$178,515	$27,917	$150,598	$15,430,741
18	207	$178,515	$27,647	$150,868	$15,279,873
18	208	$178,515	$27,376	$151,138	$15,128,735
18	209	$178,515	$27,106	$151,409	$14,977,326
18	210	$178,515	$26,834	$151,680	$14,825,646
18	211	$178,515	$26,563	$151,952	$14,673,694
18	212	$178,515	$26,290	$152,224	$14,521,469
18	213	$178,515	$26,018	$152,497	$14,368,972
18	214	$178,515	$25,744	$152,770	$14,216,202
18	215	$178,515	$25,471	$153,044	$14,063,158
18	216	$178,515	$25,196	$153,318	$13,909,840
19	217	$178,515	$24,922	$153,593	$13,756,247
19	218	$178,515	$24,647	$153,868	$13,602,379
19	219	$178,515	$24,371	$154,144	$13,448,235
19	220	$178,515	$24,095	$154,420	$13,293,815
19	221	$178,515	$23,818	$154,697	$13,139,118
19	222	$178,515	$23,541	$154,974	$12,984,145
19	223	$178,515	$23,263	$155,251	$12,828,893
19	224	$178,515	$22,985	$155,530	$12,673,364
19	225	$178,515	$22,706	$155,808	$12,517,555
19	226	$178,515	$22,427	$156,087	$12,361,468
19	227	$178,515	$22,148	$156,367	$12,205,101
19	228	$178,515	$21,867	$156,647	$12,048,454
20	229	$178,515	$21,587	$156,928	$11,891,526
20	230	$178,515	$21,306	$157,209	$11,734,317
20	231	$178,515	$21,024	$157,491	$11,576,826
20	232	$178,515	$20,742	$157,773	$11,419,053
20	233	$178,515	$20,459	$158,056	$11,260,998
20	234	$178,515	$20,176	$158,339	$11,102,659
20	235	$178,515	$19,892	$158,622	$10,944,036
20	236	$178,515	$19,608	$158,907	$10,785,130
20	237	$178,515	$19,323	$159,191	$10,625,939
20	238	$178,515	$19,038	$159,477	$10,466,462
20	239	$178,515	$18,752	$159,762	$10,306,700
20	240	$178,515	$18,466	$160,049	$10,146,651
21	241	$178,515	$18,179	$160,335	$9,986,316
21	242	$178,515	$17,892	$160,623	$9,825,693
21	243	$178,515	$17,604	$160,910	$9,664,783
21	244	$178,515	$17,316	$161,199	$9,503,584
21	245	$178,515	$17,027	$161,487	$9,342,097
21	246	$178,515	$16,738	$161,777	$9,180,320
21	247	$178,515	$16,448	$162,067	$9,018,254
21	248	$178,515	$16,158	$162,357	$8,855,897
21	249	$178,515	$15,867	$162,648	$8,693,249
21	250	$178,515	$15,575	$162,939	$8,530,309
21	251	$178,515	$15,283	$163,231	$8,367,078
21	252	$178,515	$14,991	$163,524	$8,203,555
22	253	$178,515	$14,698	$163,817	$8,039,738
22	254	$178,515	$14,405	$164,110	$7,875,628
22	255	$178,515	$14,110	$164,404	$7,711,224
22	256	$178,515	$13,816	$164,699	$7,546,525
22	257	$178,515	$13,521	$164,994	$7,381,531
22	258	$178,515	$13,225	$165,289	$7,216,241
22	259	$178,515	$12,929	$165,586	$7,050,656
22	260	$178,515	$12,632	$165,882	$6,884,774
22	261	$178,515	$12,335	$166,179	$6,718,594
22	262	$178,515	$12,037	$166,477	$6,552,117
22	263	$178,515	$11,739	$166,775	$6,385,341
22	264	$178,515	$11,440	$167,074	$6,218,267
23	265	$178,515	$11,141	$167,374	$6,050,894
23	266	$178,515	$10,841	$167,674	$5,883,220
23	267	$178,515	$10,541	$167,974	$5,715,246
23	268	$178,515	$10,240	$168,275	$5,546,971
23	269	$178,515	$9,938	$168,576	$5,378,395
23	270	$178,515	$9,636	$168,878	$5,209,516
23	271	$178,515	$9,334	$169,181	$5,040,336
23	272	$178,515	$9,031	$169,484	$4,870,851
23	273	$178,515	$8,727	$169,788	$4,701,064
23	274	$178,515	$8,423	$170,092	$4,530,972
23	275	$178,515	$8,118	$170,397	$4,360,575
23	276	$178,515	$7,813	$170,702	$4,189,873
24	277	$178,515	$7,507	$171,008	$4,018,865
24	278	$178,515	$7,200	$171,314	$3,847,551
24	279	$178,515	$6,894	$171,621	$3,675,930
24	280	$178,515	$6,586	$171,929	$3,504,001
24	281	$178,515	$6,278	$172,237	$3,331,764
24	282	$178,515	$5,969	$172,545	$3,159,219
24	283	$178,515	$5,660	$172,854	$2,986,365
24	284	$178,515	$5,351	$173,164	$2,813,201
24	285	$178,515	$5,040	$173,474	$2,639,726
24	286	$178,515	$4,730	$173,785	$2,465,941
24	287	$178,515	$4,418	$174,097	$2,291,845
24	288	$178,515	$4,106	$174,408	$2,117,436
25	289	$178,515	$3,794	$174,721	$1,942,715
25	290	$178,515	$3,481	$175,034	$1,767,681
25	291	$178,515	$3,167	$175,348	$1,592,334
25	292	$178,515	$2,853	$175,662	$1,416,672
25	293	$178,515	$2,538	$175,976	$1,240,695
25	294	$178,515	$2,223	$176,292	$1,064,403
25	295	$178,515	$1,907	$176,608	$887,796
25	296	$178,515	$1,591	$176,924	$710,872
25	297	$178,515	$1,274	$177,241	$533,631
25	298	$178,515	$956	$177,559	$356,072
25	299	$178,515	$638	$177,877	$178,195
25	300	$178,515	$319	$178,195	$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$ 27,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 28,290,000

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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.