Century 21 Centaland Property

Down Payment (HKD)

$26,400,000

Monthly Repayment (HKD)

$170,753

Loan Amount (HKD)

$39,600,000

Total Interest (HKD)

$11,625,955

Total Repayment (HKD)

$51,225,955

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$170,753	$70,950	$99,803	$39,500,197
1	2	$170,753	$70,771	$99,982	$39,400,215
1	3	$170,753	$70,592	$100,161	$39,300,054
1	4	$170,753	$70,413	$100,341	$39,199,713
1	5	$170,753	$70,233	$100,520	$39,099,193
1	6	$170,753	$70,053	$100,700	$38,998,492
1	7	$170,753	$69,872	$100,881	$38,897,611
1	8	$170,753	$69,692	$101,062	$38,796,550
1	9	$170,753	$69,510	$101,243	$38,695,307
1	10	$170,753	$69,329	$101,424	$38,593,883
1	11	$170,753	$69,147	$101,606	$38,492,277
1	12	$170,753	$68,965	$101,788	$38,390,489
2	13	$170,753	$68,783	$101,970	$38,288,519
2	14	$170,753	$68,600	$102,153	$38,186,366
2	15	$170,753	$68,417	$102,336	$38,084,030
2	16	$170,753	$68,234	$102,519	$37,981,511
2	17	$170,753	$68,050	$102,703	$37,878,808
2	18	$170,753	$67,866	$102,887	$37,775,921
2	19	$170,753	$67,682	$103,071	$37,672,850
2	20	$170,753	$67,497	$103,256	$37,569,594
2	21	$170,753	$67,312	$103,441	$37,466,153
2	22	$170,753	$67,127	$103,626	$37,362,526
2	23	$170,753	$66,941	$103,812	$37,258,714
2	24	$170,753	$66,755	$103,998	$37,154,716
3	25	$170,753	$66,569	$104,184	$37,050,532
3	26	$170,753	$66,382	$104,371	$36,946,161
3	27	$170,753	$66,195	$104,558	$36,841,603
3	28	$170,753	$66,008	$104,745	$36,736,858
3	29	$170,753	$65,820	$104,933	$36,631,925
3	30	$170,753	$65,632	$105,121	$36,526,804
3	31	$170,753	$65,444	$105,309	$36,421,494
3	32	$170,753	$65,255	$105,498	$36,315,996
3	33	$170,753	$65,066	$105,687	$36,210,309
3	34	$170,753	$64,877	$105,876	$36,104,433
3	35	$170,753	$64,687	$106,066	$35,998,367
3	36	$170,753	$64,497	$106,256	$35,892,111
4	37	$170,753	$64,307	$106,446	$35,785,664
4	38	$170,753	$64,116	$106,637	$35,679,027
4	39	$170,753	$63,925	$106,828	$35,572,199
4	40	$170,753	$63,734	$107,020	$35,465,179
4	41	$170,753	$63,542	$107,211	$35,357,968
4	42	$170,753	$63,350	$107,403	$35,250,564
4	43	$170,753	$63,157	$107,596	$35,142,968
4	44	$170,753	$62,964	$107,789	$35,035,180
4	45	$170,753	$62,771	$107,982	$34,927,198
4	46	$170,753	$62,578	$108,175	$34,819,023
4	47	$170,753	$62,384	$108,369	$34,710,654
4	48	$170,753	$62,190	$108,563	$34,602,090
5	49	$170,753	$61,995	$108,758	$34,493,333
5	50	$170,753	$61,801	$108,953	$34,384,380
5	51	$170,753	$61,605	$109,148	$34,275,232
5	52	$170,753	$61,410	$109,343	$34,165,889
5	53	$170,753	$61,214	$109,539	$34,056,349
5	54	$170,753	$61,018	$109,736	$33,946,614
5	55	$170,753	$60,821	$109,932	$33,836,682
5	56	$170,753	$60,624	$110,129	$33,726,553
5	57	$170,753	$60,427	$110,326	$33,616,226
5	58	$170,753	$60,229	$110,524	$33,505,702
5	59	$170,753	$60,031	$110,722	$33,394,980
5	60	$170,753	$59,833	$110,921	$33,284,059
6	61	$170,753	$59,634	$111,119	$33,172,940
6	62	$170,753	$59,435	$111,318	$33,061,622
6	63	$170,753	$59,235	$111,518	$32,950,104
6	64	$170,753	$59,036	$111,718	$32,838,386
6	65	$170,753	$58,835	$111,918	$32,726,469
6	66	$170,753	$58,635	$112,118	$32,614,350
6	67	$170,753	$58,434	$112,319	$32,502,031
6	68	$170,753	$58,233	$112,520	$32,389,511
6	69	$170,753	$58,031	$112,722	$32,276,789
6	70	$170,753	$57,829	$112,924	$32,163,865
6	71	$170,753	$57,627	$113,126	$32,050,739
6	72	$170,753	$57,424	$113,329	$31,937,410
7	73	$170,753	$57,221	$113,532	$31,823,878
7	74	$170,753	$57,018	$113,735	$31,710,142
7	75	$170,753	$56,814	$113,939	$31,596,203
7	76	$170,753	$56,610	$114,143	$31,482,060
7	77	$170,753	$56,405	$114,348	$31,367,712
7	78	$170,753	$56,200	$114,553	$31,253,159
7	79	$170,753	$55,995	$114,758	$31,138,401
7	80	$170,753	$55,790	$114,964	$31,023,438
7	81	$170,753	$55,584	$115,170	$30,908,268
7	82	$170,753	$55,377	$115,376	$30,792,892
7	83	$170,753	$55,171	$115,583	$30,677,310
7	84	$170,753	$54,964	$115,790	$30,561,520
8	85	$170,753	$54,756	$115,997	$30,445,523
8	86	$170,753	$54,548	$116,205	$30,329,318
8	87	$170,753	$54,340	$116,413	$30,212,905
8	88	$170,753	$54,131	$116,622	$30,096,283
8	89	$170,753	$53,923	$116,831	$29,979,453
8	90	$170,753	$53,713	$117,040	$29,862,413
8	91	$170,753	$53,503	$117,250	$29,745,163
8	92	$170,753	$53,293	$117,460	$29,627,703
8	93	$170,753	$53,083	$117,670	$29,510,033
8	94	$170,753	$52,872	$117,881	$29,392,152
8	95	$170,753	$52,661	$118,092	$29,274,060
8	96	$170,753	$52,449	$118,304	$29,155,756
9	97	$170,753	$52,237	$118,516	$29,037,240
9	98	$170,753	$52,025	$118,728	$28,918,512
9	99	$170,753	$51,812	$118,941	$28,799,571
9	100	$170,753	$51,599	$119,154	$28,680,417
9	101	$170,753	$51,386	$119,367	$28,561,050
9	102	$170,753	$51,172	$119,581	$28,441,468
9	103	$170,753	$50,958	$119,796	$28,321,673
9	104	$170,753	$50,743	$120,010	$28,201,663
9	105	$170,753	$50,528	$120,225	$28,081,437
9	106	$170,753	$50,313	$120,441	$27,960,997
9	107	$170,753	$50,097	$120,656	$27,840,340
9	108	$170,753	$49,881	$120,873	$27,719,468
10	109	$170,753	$49,664	$121,089	$27,598,379
10	110	$170,753	$49,447	$121,306	$27,477,073
10	111	$170,753	$49,230	$121,523	$27,355,549
10	112	$170,753	$49,012	$121,741	$27,233,808
10	113	$170,753	$48,794	$121,959	$27,111,849
10	114	$170,753	$48,575	$122,178	$26,989,671
10	115	$170,753	$48,356	$122,397	$26,867,274
10	116	$170,753	$48,137	$122,616	$26,744,658
10	117	$170,753	$47,918	$122,836	$26,621,823
10	118	$170,753	$47,697	$123,056	$26,498,767
10	119	$170,753	$47,477	$123,276	$26,375,491
10	120	$170,753	$47,256	$123,497	$26,251,994
11	121	$170,753	$47,035	$123,718	$26,128,275
11	122	$170,753	$46,813	$123,940	$26,004,335
11	123	$170,753	$46,591	$124,162	$25,880,173
11	124	$170,753	$46,369	$124,385	$25,755,789
11	125	$170,753	$46,146	$124,607	$25,631,181
11	126	$170,753	$45,923	$124,831	$25,506,351
11	127	$170,753	$45,699	$125,054	$25,381,296
11	128	$170,753	$45,475	$125,278	$25,256,018
11	129	$170,753	$45,250	$125,503	$25,130,515
11	130	$170,753	$45,026	$125,728	$25,004,787
11	131	$170,753	$44,800	$125,953	$24,878,834
11	132	$170,753	$44,575	$126,179	$24,752,656
12	133	$170,753	$44,349	$126,405	$24,626,251
12	134	$170,753	$44,122	$126,631	$24,499,620
12	135	$170,753	$43,895	$126,858	$24,372,762
12	136	$170,753	$43,668	$127,085	$24,245,677
12	137	$170,753	$43,440	$127,313	$24,118,364
12	138	$170,753	$43,212	$127,541	$23,990,823
12	139	$170,753	$42,984	$127,770	$23,863,053
12	140	$170,753	$42,755	$127,999	$23,735,054
12	141	$170,753	$42,525	$128,228	$23,606,826
12	142	$170,753	$42,296	$128,458	$23,478,369
12	143	$170,753	$42,065	$128,688	$23,349,681
12	144	$170,753	$41,835	$128,918	$23,220,763
13	145	$170,753	$41,604	$129,149	$23,091,613
13	146	$170,753	$41,372	$129,381	$22,962,233
13	147	$170,753	$41,141	$129,613	$22,832,620
13	148	$170,753	$40,908	$129,845	$22,702,775
13	149	$170,753	$40,676	$130,077	$22,572,698
13	150	$170,753	$40,443	$130,310	$22,442,388
13	151	$170,753	$40,209	$130,544	$22,311,844
13	152	$170,753	$39,975	$130,778	$22,181,066
13	153	$170,753	$39,741	$131,012	$22,050,054
13	154	$170,753	$39,506	$131,247	$21,918,807
13	155	$170,753	$39,271	$131,482	$21,787,325
13	156	$170,753	$39,036	$131,718	$21,655,607
14	157	$170,753	$38,800	$131,954	$21,523,654
14	158	$170,753	$38,563	$132,190	$21,391,464
14	159	$170,753	$38,326	$132,427	$21,259,037
14	160	$170,753	$38,089	$132,664	$21,126,373
14	161	$170,753	$37,851	$132,902	$20,993,471
14	162	$170,753	$37,613	$133,140	$20,860,331
14	163	$170,753	$37,375	$133,378	$20,726,953
14	164	$170,753	$37,136	$133,617	$20,593,336
14	165	$170,753	$36,896	$133,857	$20,459,479
14	166	$170,753	$36,657	$134,097	$20,325,382
14	167	$170,753	$36,416	$134,337	$20,191,045
14	168	$170,753	$36,176	$134,578	$20,056,468
15	169	$170,753	$35,935	$134,819	$19,921,649
15	170	$170,753	$35,693	$135,060	$19,786,589
15	171	$170,753	$35,451	$135,302	$19,651,287
15	172	$170,753	$35,209	$135,545	$19,515,742
15	173	$170,753	$34,966	$135,787	$19,379,955
15	174	$170,753	$34,722	$136,031	$19,243,924
15	175	$170,753	$34,479	$136,274	$19,107,649
15	176	$170,753	$34,235	$136,519	$18,971,131
15	177	$170,753	$33,990	$136,763	$18,834,367
15	178	$170,753	$33,745	$137,008	$18,697,359
15	179	$170,753	$33,499	$137,254	$18,560,105
15	180	$170,753	$33,254	$137,500	$18,422,606
16	181	$170,753	$33,007	$137,746	$18,284,860
16	182	$170,753	$32,760	$137,993	$18,146,867
16	183	$170,753	$32,513	$138,240	$18,008,627
16	184	$170,753	$32,265	$138,488	$17,870,139
16	185	$170,753	$32,017	$138,736	$17,731,403
16	186	$170,753	$31,769	$138,984	$17,592,419
16	187	$170,753	$31,520	$139,233	$17,453,185
16	188	$170,753	$31,270	$139,483	$17,313,703
16	189	$170,753	$31,020	$139,733	$17,173,970
16	190	$170,753	$30,770	$139,983	$17,033,987
16	191	$170,753	$30,519	$140,234	$16,893,753
16	192	$170,753	$30,268	$140,485	$16,753,267
17	193	$170,753	$30,016	$140,737	$16,612,530
17	194	$170,753	$29,764	$140,989	$16,471,541
17	195	$170,753	$29,512	$141,242	$16,330,300
17	196	$170,753	$29,258	$141,495	$16,188,805
17	197	$170,753	$29,005	$141,748	$16,047,057
17	198	$170,753	$28,751	$142,002	$15,905,055
17	199	$170,753	$28,497	$142,257	$15,762,798
17	200	$170,753	$28,242	$142,512	$15,620,286
17	201	$170,753	$27,986	$142,767	$15,477,520
17	202	$170,753	$27,731	$143,023	$15,334,497
17	203	$170,753	$27,474	$143,279	$15,191,218
17	204	$170,753	$27,218	$143,536	$15,047,683
18	205	$170,753	$26,960	$143,793	$14,903,890
18	206	$170,753	$26,703	$144,050	$14,759,839
18	207	$170,753	$26,445	$144,308	$14,615,531
18	208	$170,753	$26,186	$144,567	$14,470,964
18	209	$170,753	$25,927	$144,826	$14,326,138
18	210	$170,753	$25,668	$145,086	$14,181,052
18	211	$170,753	$25,408	$145,345	$14,035,707
18	212	$170,753	$25,147	$145,606	$13,890,101
18	213	$170,753	$24,886	$145,867	$13,744,234
18	214	$170,753	$24,625	$146,128	$13,598,106
18	215	$170,753	$24,363	$146,390	$13,451,716
18	216	$170,753	$24,101	$146,652	$13,305,064
19	217	$170,753	$23,838	$146,915	$13,158,149
19	218	$170,753	$23,575	$147,178	$13,010,971
19	219	$170,753	$23,311	$147,442	$12,863,529
19	220	$170,753	$23,047	$147,706	$12,715,823
19	221	$170,753	$22,783	$147,971	$12,567,852
19	222	$170,753	$22,517	$148,236	$12,419,617
19	223	$170,753	$22,252	$148,501	$12,271,115
19	224	$170,753	$21,986	$148,767	$12,122,348
19	225	$170,753	$21,719	$149,034	$11,973,314
19	226	$170,753	$21,452	$149,301	$11,824,013
19	227	$170,753	$21,185	$149,568	$11,674,444
19	228	$170,753	$20,917	$149,836	$11,524,608
20	229	$170,753	$20,648	$150,105	$11,374,503
20	230	$170,753	$20,379	$150,374	$11,224,129
20	231	$170,753	$20,110	$150,643	$11,073,486
20	232	$170,753	$19,840	$150,913	$10,922,573
20	233	$170,753	$19,570	$151,184	$10,771,389
20	234	$170,753	$19,299	$151,454	$10,619,935
20	235	$170,753	$19,027	$151,726	$10,468,209
20	236	$170,753	$18,756	$151,998	$10,316,211
20	237	$170,753	$18,483	$152,270	$10,163,941
20	238	$170,753	$18,210	$152,543	$10,011,398
20	239	$170,753	$17,937	$152,816	$9,858,582
20	240	$170,753	$17,663	$153,090	$9,705,492
21	241	$170,753	$17,389	$153,364	$9,552,128
21	242	$170,753	$17,114	$153,639	$9,398,489
21	243	$170,753	$16,839	$153,914	$9,244,575
21	244	$170,753	$16,563	$154,190	$9,090,385
21	245	$170,753	$16,287	$154,466	$8,935,919
21	246	$170,753	$16,010	$154,743	$8,781,176
21	247	$170,753	$15,733	$155,020	$8,626,156
21	248	$170,753	$15,455	$155,298	$8,470,858
21	249	$170,753	$15,177	$155,576	$8,315,281
21	250	$170,753	$14,898	$155,855	$8,159,426
21	251	$170,753	$14,619	$156,134	$8,003,292
21	252	$170,753	$14,339	$156,414	$7,846,878
22	253	$170,753	$14,059	$156,694	$7,690,184
22	254	$170,753	$13,778	$156,975	$7,533,209
22	255	$170,753	$13,497	$157,256	$7,375,953
22	256	$170,753	$13,215	$157,538	$7,218,415
22	257	$170,753	$12,933	$157,820	$7,060,595
22	258	$170,753	$12,650	$158,103	$6,902,492
22	259	$170,753	$12,367	$158,386	$6,744,106
22	260	$170,753	$12,083	$158,670	$6,585,436
22	261	$170,753	$11,799	$158,954	$6,426,481
22	262	$170,753	$11,514	$159,239	$6,267,242
22	263	$170,753	$11,229	$159,524	$6,107,718
22	264	$170,753	$10,943	$159,810	$5,947,908
23	265	$170,753	$10,657	$160,097	$5,787,811
23	266	$170,753	$10,370	$160,383	$5,627,428
23	267	$170,753	$10,082	$160,671	$5,466,757
23	268	$170,753	$9,795	$160,959	$5,305,799
23	269	$170,753	$9,506	$161,247	$5,144,552
23	270	$170,753	$9,217	$161,536	$4,983,016
23	271	$170,753	$8,928	$161,825	$4,821,190
23	272	$170,753	$8,638	$162,115	$4,659,075
23	273	$170,753	$8,348	$162,406	$4,496,670
23	274	$170,753	$8,057	$162,697	$4,333,973
23	275	$170,753	$7,765	$162,988	$4,170,985
23	276	$170,753	$7,473	$163,280	$4,007,705
24	277	$170,753	$7,180	$163,573	$3,844,132
24	278	$170,753	$6,887	$163,866	$3,680,266
24	279	$170,753	$6,594	$164,159	$3,516,107
24	280	$170,753	$6,300	$164,453	$3,351,653
24	281	$170,753	$6,005	$164,748	$3,186,905
24	282	$170,753	$5,710	$165,043	$3,021,862
24	283	$170,753	$5,414	$165,339	$2,856,523
24	284	$170,753	$5,118	$165,635	$2,690,888
24	285	$170,753	$4,821	$165,932	$2,524,956
24	286	$170,753	$4,524	$166,229	$2,358,726
24	287	$170,753	$4,226	$166,527	$2,192,199
24	288	$170,753	$3,928	$166,825	$2,025,374
25	289	$170,753	$3,629	$167,124	$1,858,249
25	290	$170,753	$3,329	$167,424	$1,690,825
25	291	$170,753	$3,029	$167,724	$1,523,102
25	292	$170,753	$2,729	$168,024	$1,355,077
25	293	$170,753	$2,428	$168,325	$1,186,752
25	294	$170,753	$2,126	$168,627	$1,018,125
25	295	$170,753	$1,824	$168,929	$849,196
25	296	$170,753	$1,521	$169,232	$679,964
25	297	$170,753	$1,218	$169,535	$510,429
25	298	$170,753	$915	$169,839	$340,591
25	299	$170,753	$610	$170,143	$170,448
25	300	$170,753	$305	$170,448	$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$ 26,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 27,060,000

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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.