Century 21 Centaland Property

Down Payment (HKD)

$37,200,000

Monthly Repayment (HKD)

$240,607

Loan Amount (HKD)

$55,800,000

Total Interest (HKD)

$16,382,027

Total Repayment (HKD)

$72,182,027

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$240,607	$99,975	$140,632	$55,659,368
1	2	$240,607	$99,723	$140,884	$55,518,485
1	3	$240,607	$99,471	$141,136	$55,377,348
1	4	$240,607	$99,218	$141,389	$55,235,959
1	5	$240,607	$98,964	$141,642	$55,094,317
1	6	$240,607	$98,711	$141,896	$54,952,421
1	7	$240,607	$98,456	$142,150	$54,810,271
1	8	$240,607	$98,202	$142,405	$54,667,866
1	9	$240,607	$97,947	$142,660	$54,525,205
1	10	$240,607	$97,691	$142,916	$54,382,290
1	11	$240,607	$97,435	$143,172	$54,239,118
1	12	$240,607	$97,178	$143,428	$54,095,689
2	13	$240,607	$96,921	$143,685	$53,952,004
2	14	$240,607	$96,664	$143,943	$53,808,061
2	15	$240,607	$96,406	$144,201	$53,663,861
2	16	$240,607	$96,148	$144,459	$53,519,402
2	17	$240,607	$95,889	$144,718	$53,374,684
2	18	$240,607	$95,630	$144,977	$53,229,707
2	19	$240,607	$95,370	$145,237	$53,084,470
2	20	$240,607	$95,110	$145,497	$52,938,973
2	21	$240,607	$94,849	$145,758	$52,793,215
2	22	$240,607	$94,588	$146,019	$52,647,196
2	23	$240,607	$94,326	$146,281	$52,500,916
2	24	$240,607	$94,064	$146,543	$52,354,373
3	25	$240,607	$93,802	$146,805	$52,207,568
3	26	$240,607	$93,539	$147,068	$52,060,500
3	27	$240,607	$93,275	$147,332	$51,913,168
3	28	$240,607	$93,011	$147,596	$51,765,572
3	29	$240,607	$92,747	$147,860	$51,617,712
3	30	$240,607	$92,482	$148,125	$51,469,587
3	31	$240,607	$92,216	$148,390	$51,321,197
3	32	$240,607	$91,950	$148,656	$51,172,540
3	33	$240,607	$91,684	$148,923	$51,023,618
3	34	$240,607	$91,417	$149,189	$50,874,428
3	35	$240,607	$91,150	$149,457	$50,724,972
3	36	$240,607	$90,882	$149,725	$50,575,247
4	37	$240,607	$90,614	$149,993	$50,425,254
4	38	$240,607	$90,345	$150,262	$50,274,993
4	39	$240,607	$90,076	$150,531	$50,124,462
4	40	$240,607	$89,806	$150,800	$49,973,662
4	41	$240,607	$89,536	$151,071	$49,822,591
4	42	$240,607	$89,265	$151,341	$49,671,250
4	43	$240,607	$88,994	$151,612	$49,519,637
4	44	$240,607	$88,723	$151,884	$49,367,753
4	45	$240,607	$88,451	$152,156	$49,215,597
4	46	$240,607	$88,178	$152,429	$49,063,168
4	47	$240,607	$87,905	$152,702	$48,910,466
4	48	$240,607	$87,631	$152,976	$48,757,491
5	49	$240,607	$87,357	$153,250	$48,604,241
5	50	$240,607	$87,083	$153,524	$48,450,717
5	51	$240,607	$86,808	$153,799	$48,296,918
5	52	$240,607	$86,532	$154,075	$48,142,843
5	53	$240,607	$86,256	$154,351	$47,988,492
5	54	$240,607	$85,979	$154,627	$47,833,865
5	55	$240,607	$85,702	$154,904	$47,678,961
5	56	$240,607	$85,425	$155,182	$47,523,779
5	57	$240,607	$85,147	$155,460	$47,368,319
5	58	$240,607	$84,868	$155,739	$47,212,580
5	59	$240,607	$84,589	$156,018	$47,056,563
5	60	$240,607	$84,310	$156,297	$46,900,265
6	61	$240,607	$84,030	$156,577	$46,743,688
6	62	$240,607	$83,749	$156,858	$46,586,831
6	63	$240,607	$83,468	$157,139	$46,429,692
6	64	$240,607	$83,187	$157,420	$46,272,272
6	65	$240,607	$82,904	$157,702	$46,114,569
6	66	$240,607	$82,622	$157,985	$45,956,585
6	67	$240,607	$82,339	$158,268	$45,798,317
6	68	$240,607	$82,055	$158,551	$45,639,765
6	69	$240,607	$81,771	$158,836	$45,480,930
6	70	$240,607	$81,487	$159,120	$45,321,810
6	71	$240,607	$81,202	$159,405	$45,162,405
6	72	$240,607	$80,916	$159,691	$45,002,714
7	73	$240,607	$80,630	$159,977	$44,842,737
7	74	$240,607	$80,343	$160,264	$44,682,473
7	75	$240,607	$80,056	$160,551	$44,521,923
7	76	$240,607	$79,768	$160,838	$44,361,084
7	77	$240,607	$79,480	$161,126	$44,199,958
7	78	$240,607	$79,192	$161,415	$44,038,543
7	79	$240,607	$78,902	$161,704	$43,876,838
7	80	$240,607	$78,613	$161,994	$43,714,844
7	81	$240,607	$78,322	$162,284	$43,552,560
7	82	$240,607	$78,032	$162,575	$43,389,985
7	83	$240,607	$77,740	$162,866	$43,227,119
7	84	$240,607	$77,449	$163,158	$43,063,960
8	85	$240,607	$77,156	$163,450	$42,900,510
8	86	$240,607	$76,863	$163,743	$42,736,766
8	87	$240,607	$76,570	$164,037	$42,572,730
8	88	$240,607	$76,276	$164,331	$42,408,399
8	89	$240,607	$75,982	$164,625	$42,243,774
8	90	$240,607	$75,687	$164,920	$42,078,854
8	91	$240,607	$75,391	$165,215	$41,913,639
8	92	$240,607	$75,095	$165,511	$41,748,127
8	93	$240,607	$74,799	$165,808	$41,582,319
8	94	$240,607	$74,502	$166,105	$41,416,214
8	95	$240,607	$74,204	$166,403	$41,249,811
8	96	$240,607	$73,906	$166,701	$41,083,110
9	97	$240,607	$73,607	$167,000	$40,916,111
9	98	$240,607	$73,308	$167,299	$40,748,812
9	99	$240,607	$73,008	$167,598	$40,581,214
9	100	$240,607	$72,708	$167,899	$40,413,315
9	101	$240,607	$72,407	$168,200	$40,245,115
9	102	$240,607	$72,106	$168,501	$40,076,615
9	103	$240,607	$71,804	$168,803	$39,907,812
9	104	$240,607	$71,501	$169,105	$39,738,706
9	105	$240,607	$71,199	$169,408	$39,569,298
9	106	$240,607	$70,895	$169,712	$39,399,586
9	107	$240,607	$70,591	$170,016	$39,229,571
9	108	$240,607	$70,286	$170,320	$39,059,250
10	109	$240,607	$69,981	$170,626	$38,888,625
10	110	$240,607	$69,675	$170,931	$38,717,693
10	111	$240,607	$69,369	$171,238	$38,546,456
10	112	$240,607	$69,062	$171,544	$38,374,911
10	113	$240,607	$68,755	$171,852	$38,203,060
10	114	$240,607	$68,447	$172,160	$38,030,900
10	115	$240,607	$68,139	$172,468	$37,858,432
10	116	$240,607	$67,830	$172,777	$37,685,655
10	117	$240,607	$67,520	$173,087	$37,512,568
10	118	$240,607	$67,210	$173,397	$37,339,172
10	119	$240,607	$66,899	$173,707	$37,165,464
10	120	$240,607	$66,588	$174,019	$36,991,445
11	121	$240,607	$66,276	$174,330	$36,817,115
11	122	$240,607	$65,964	$174,643	$36,642,472
11	123	$240,607	$65,651	$174,956	$36,467,517
11	124	$240,607	$65,338	$175,269	$36,292,248
11	125	$240,607	$65,024	$175,583	$36,116,664
11	126	$240,607	$64,709	$175,898	$35,940,767
11	127	$240,607	$64,394	$176,213	$35,764,554
11	128	$240,607	$64,078	$176,529	$35,588,025
11	129	$240,607	$63,762	$176,845	$35,411,180
11	130	$240,607	$63,445	$177,162	$35,234,019
11	131	$240,607	$63,128	$177,479	$35,056,539
11	132	$240,607	$62,810	$177,797	$34,878,742
12	133	$240,607	$62,491	$178,116	$34,700,627
12	134	$240,607	$62,172	$178,435	$34,522,192
12	135	$240,607	$61,852	$178,754	$34,343,437
12	136	$240,607	$61,532	$179,075	$34,164,363
12	137	$240,607	$61,211	$179,396	$33,984,967
12	138	$240,607	$60,890	$179,717	$33,805,250
12	139	$240,607	$60,568	$180,039	$33,625,211
12	140	$240,607	$60,245	$180,362	$33,444,849
12	141	$240,607	$59,922	$180,685	$33,264,165
12	142	$240,607	$59,598	$181,008	$33,083,156
12	143	$240,607	$59,274	$181,333	$32,901,823
12	144	$240,607	$58,949	$181,658	$32,720,166
13	145	$240,607	$58,624	$181,983	$32,538,183
13	146	$240,607	$58,298	$182,309	$32,355,873
13	147	$240,607	$57,971	$182,636	$32,173,238
13	148	$240,607	$57,644	$182,963	$31,990,275
13	149	$240,607	$57,316	$183,291	$31,806,984
13	150	$240,607	$56,988	$183,619	$31,623,364
13	151	$240,607	$56,659	$183,948	$31,439,416
13	152	$240,607	$56,329	$184,278	$31,255,138
13	153	$240,607	$55,999	$184,608	$31,070,530
13	154	$240,607	$55,668	$184,939	$30,885,592
13	155	$240,607	$55,337	$185,270	$30,700,322
13	156	$240,607	$55,005	$185,602	$30,514,720
14	157	$240,607	$54,672	$185,935	$30,328,785
14	158	$240,607	$54,339	$186,268	$30,142,517
14	159	$240,607	$54,005	$186,601	$29,955,916
14	160	$240,607	$53,671	$186,936	$29,768,980
14	161	$240,607	$53,336	$187,271	$29,581,710
14	162	$240,607	$53,001	$187,606	$29,394,103
14	163	$240,607	$52,664	$187,942	$29,206,161
14	164	$240,607	$52,328	$188,279	$29,017,882
14	165	$240,607	$51,990	$188,616	$28,829,266
14	166	$240,607	$51,652	$188,954	$28,640,311
14	167	$240,607	$51,314	$189,293	$28,451,018
14	168	$240,607	$50,975	$189,632	$28,261,386
15	169	$240,607	$50,635	$189,972	$28,071,415
15	170	$240,607	$50,295	$190,312	$27,881,102
15	171	$240,607	$49,954	$190,653	$27,690,449
15	172	$240,607	$49,612	$190,995	$27,499,455
15	173	$240,607	$49,270	$191,337	$27,308,118
15	174	$240,607	$48,927	$191,680	$27,116,438
15	175	$240,607	$48,584	$192,023	$26,924,415
15	176	$240,607	$48,240	$192,367	$26,732,048
15	177	$240,607	$47,895	$192,712	$26,539,336
15	178	$240,607	$47,550	$193,057	$26,346,279
15	179	$240,607	$47,204	$193,403	$26,152,876
15	180	$240,607	$46,857	$193,750	$25,959,126
16	181	$240,607	$46,510	$194,097	$25,765,030
16	182	$240,607	$46,162	$194,444	$25,570,585
16	183	$240,607	$45,814	$194,793	$25,375,792
16	184	$240,607	$45,465	$195,142	$25,180,651
16	185	$240,607	$45,115	$195,491	$24,985,159
16	186	$240,607	$44,765	$195,842	$24,789,317
16	187	$240,607	$44,414	$196,193	$24,593,125
16	188	$240,607	$44,063	$196,544	$24,396,581
16	189	$240,607	$43,711	$196,896	$24,199,685
16	190	$240,607	$43,358	$197,249	$24,002,436
16	191	$240,607	$43,004	$197,602	$23,804,833
16	192	$240,607	$42,650	$197,956	$23,606,877
17	193	$240,607	$42,296	$198,311	$23,408,566
17	194	$240,607	$41,940	$198,666	$23,209,899
17	195	$240,607	$41,584	$199,022	$23,010,877
17	196	$240,607	$41,228	$199,379	$22,811,498
17	197	$240,607	$40,871	$199,736	$22,611,762
17	198	$240,607	$40,513	$200,094	$22,411,668
17	199	$240,607	$40,154	$200,453	$22,211,215
17	200	$240,607	$39,795	$200,812	$22,010,404
17	201	$240,607	$39,435	$201,171	$21,809,232
17	202	$240,607	$39,075	$201,532	$21,607,700
17	203	$240,607	$38,714	$201,893	$21,405,807
17	204	$240,607	$38,352	$202,255	$21,203,553
18	205	$240,607	$37,990	$202,617	$21,000,936
18	206	$240,607	$37,627	$202,980	$20,797,956
18	207	$240,607	$37,263	$203,344	$20,594,612
18	208	$240,607	$36,899	$203,708	$20,390,904
18	209	$240,607	$36,534	$204,073	$20,186,831
18	210	$240,607	$36,168	$204,439	$19,982,392
18	211	$240,607	$35,802	$204,805	$19,777,587
18	212	$240,607	$35,435	$205,172	$19,572,415
18	213	$240,607	$35,067	$205,540	$19,366,876
18	214	$240,607	$34,699	$205,908	$19,160,968
18	215	$240,607	$34,330	$206,277	$18,954,691
18	216	$240,607	$33,960	$206,646	$18,748,045
19	217	$240,607	$33,590	$207,017	$18,541,028
19	218	$240,607	$33,219	$207,387	$18,333,641
19	219	$240,607	$32,848	$207,759	$18,125,882
19	220	$240,607	$32,476	$208,131	$17,917,751
19	221	$240,607	$32,103	$208,504	$17,709,247
19	222	$240,607	$31,729	$208,878	$17,500,369
19	223	$240,607	$31,355	$209,252	$17,291,117
19	224	$240,607	$30,980	$209,627	$17,081,490
19	225	$240,607	$30,604	$210,002	$16,871,488
19	226	$240,607	$30,228	$210,379	$16,661,109
19	227	$240,607	$29,851	$210,756	$16,450,353
19	228	$240,607	$29,474	$211,133	$16,239,220
20	229	$240,607	$29,095	$211,511	$16,027,709
20	230	$240,607	$28,716	$211,890	$15,815,818
20	231	$240,607	$28,337	$212,270	$15,603,548
20	232	$240,607	$27,956	$212,650	$15,390,898
20	233	$240,607	$27,575	$213,031	$15,177,866
20	234	$240,607	$27,194	$213,413	$14,964,453
20	235	$240,607	$26,811	$213,795	$14,750,658
20	236	$240,607	$26,428	$214,178	$14,536,479
20	237	$240,607	$26,045	$214,562	$14,321,917
20	238	$240,607	$25,660	$214,947	$14,106,970
20	239	$240,607	$25,275	$215,332	$13,891,639
20	240	$240,607	$24,889	$215,718	$13,675,921
21	241	$240,607	$24,503	$216,104	$13,459,817
21	242	$240,607	$24,116	$216,491	$13,243,326
21	243	$240,607	$23,728	$216,879	$13,026,447
21	244	$240,607	$23,339	$217,268	$12,809,179
21	245	$240,607	$22,950	$217,657	$12,591,522
21	246	$240,607	$22,560	$218,047	$12,373,475
21	247	$240,607	$22,169	$218,438	$12,155,037
21	248	$240,607	$21,778	$218,829	$11,936,208
21	249	$240,607	$21,386	$219,221	$11,716,987
21	250	$240,607	$20,993	$219,614	$11,497,374
21	251	$240,607	$20,599	$220,007	$11,277,366
21	252	$240,607	$20,205	$220,401	$11,056,965
22	253	$240,607	$19,810	$220,796	$10,836,168
22	254	$240,607	$19,415	$221,192	$10,614,976
22	255	$240,607	$19,018	$221,588	$10,393,388
22	256	$240,607	$18,621	$221,985	$10,171,403
22	257	$240,607	$18,224	$222,383	$9,949,020
22	258	$240,607	$17,825	$222,781	$9,726,239
22	259	$240,607	$17,426	$223,181	$9,503,058
22	260	$240,607	$17,026	$223,580	$9,279,477
22	261	$240,607	$16,626	$223,981	$9,055,496
22	262	$240,607	$16,224	$224,382	$8,831,114
22	263	$240,607	$15,822	$224,784	$8,606,330
22	264	$240,607	$15,420	$225,187	$8,381,143
23	265	$240,607	$15,016	$225,591	$8,155,552
23	266	$240,607	$14,612	$225,995	$7,929,557
23	267	$240,607	$14,207	$226,400	$7,703,158
23	268	$240,607	$13,801	$226,805	$7,476,353
23	269	$240,607	$13,395	$227,212	$7,249,141
23	270	$240,607	$12,988	$227,619	$7,021,522
23	271	$240,607	$12,580	$228,027	$6,793,496
23	272	$240,607	$12,172	$228,435	$6,565,061
23	273	$240,607	$11,762	$228,844	$6,336,216
23	274	$240,607	$11,352	$229,254	$6,106,962
23	275	$240,607	$10,942	$229,665	$5,877,297
23	276	$240,607	$10,530	$230,077	$5,647,220
24	277	$240,607	$10,118	$230,489	$5,416,731
24	278	$240,607	$9,705	$230,902	$5,185,830
24	279	$240,607	$9,291	$231,315	$4,954,514
24	280	$240,607	$8,877	$231,730	$4,722,784
24	281	$240,607	$8,462	$232,145	$4,490,639
24	282	$240,607	$8,046	$232,561	$4,258,078
24	283	$240,607	$7,629	$232,978	$4,025,100
24	284	$240,607	$7,212	$233,395	$3,791,705
24	285	$240,607	$6,793	$233,813	$3,557,892
24	286	$240,607	$6,375	$234,232	$3,323,660
24	287	$240,607	$5,955	$234,652	$3,089,008
24	288	$240,607	$5,534	$235,072	$2,853,936
25	289	$240,607	$5,113	$235,493	$2,618,442
25	290	$240,607	$4,691	$235,915	$2,382,527
25	291	$240,607	$4,269	$236,338	$2,146,189
25	292	$240,607	$3,845	$236,762	$1,909,427
25	293	$240,607	$3,421	$237,186	$1,672,241
25	294	$240,607	$2,996	$237,611	$1,434,631
25	295	$240,607	$2,570	$238,036	$1,196,594
25	296	$240,607	$2,144	$238,463	$958,132
25	297	$240,607	$1,717	$238,890	$719,241
25	298	$240,607	$1,289	$239,318	$479,923
25	299	$240,607	$860	$239,747	$240,176
25	300	$240,607	$430	$240,176	$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$ 37,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 38,130,000

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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.