Century 21 Centaland Property

Down Payment (HKD)

$12,320,000

Monthly Repayment (HKD)

$79,685

Loan Amount (HKD)

$18,480,000

Total Interest (HKD)

$5,425,446

Total Repayment (HKD)

$23,905,446

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$79,685	$33,110	$46,575	$18,433,425
1	2	$79,685	$33,027	$46,658	$18,386,767
1	3	$79,685	$32,943	$46,742	$18,340,025
1	4	$79,685	$32,859	$46,826	$18,293,199
1	5	$79,685	$32,775	$46,910	$18,246,290
1	6	$79,685	$32,691	$46,994	$18,199,296
1	7	$79,685	$32,607	$47,078	$18,152,219
1	8	$79,685	$32,523	$47,162	$18,105,057
1	9	$79,685	$32,438	$47,247	$18,057,810
1	10	$79,685	$32,354	$47,331	$18,010,479
1	11	$79,685	$32,269	$47,416	$17,963,063
1	12	$79,685	$32,184	$47,501	$17,915,562
2	13	$79,685	$32,099	$47,586	$17,867,976
2	14	$79,685	$32,013	$47,671	$17,820,304
2	15	$79,685	$31,928	$47,757	$17,772,547
2	16	$79,685	$31,842	$47,842	$17,724,705
2	17	$79,685	$31,757	$47,928	$17,676,777
2	18	$79,685	$31,671	$48,014	$17,628,763
2	19	$79,685	$31,585	$48,100	$17,580,663
2	20	$79,685	$31,499	$48,186	$17,532,477
2	21	$79,685	$31,412	$48,272	$17,484,205
2	22	$79,685	$31,326	$48,359	$17,435,846
2	23	$79,685	$31,239	$48,446	$17,387,400
2	24	$79,685	$31,152	$48,532	$17,338,868
3	25	$79,685	$31,065	$48,619	$17,290,248
3	26	$79,685	$30,978	$48,706	$17,241,542
3	27	$79,685	$30,891	$48,794	$17,192,748
3	28	$79,685	$30,804	$48,881	$17,143,867
3	29	$79,685	$30,716	$48,969	$17,094,898
3	30	$79,685	$30,628	$49,056	$17,045,842
3	31	$79,685	$30,540	$49,144	$16,996,697
3	32	$79,685	$30,452	$49,232	$16,947,465
3	33	$79,685	$30,364	$49,321	$16,898,144
3	34	$79,685	$30,276	$49,409	$16,848,735
3	35	$79,685	$30,187	$49,498	$16,799,238
3	36	$79,685	$30,099	$49,586	$16,749,652
4	37	$79,685	$30,010	$49,675	$16,699,977
4	38	$79,685	$29,921	$49,764	$16,650,213
4	39	$79,685	$29,832	$49,853	$16,600,360
4	40	$79,685	$29,742	$49,943	$16,550,417
4	41	$79,685	$29,653	$50,032	$16,500,385
4	42	$79,685	$29,563	$50,122	$16,450,263
4	43	$79,685	$29,473	$50,211	$16,400,052
4	44	$79,685	$29,383	$50,301	$16,349,751
4	45	$79,685	$29,293	$50,392	$16,299,359
4	46	$79,685	$29,203	$50,482	$16,248,877
4	47	$79,685	$29,113	$50,572	$16,198,305
4	48	$79,685	$29,022	$50,663	$16,147,642
5	49	$79,685	$28,931	$50,754	$16,096,889
5	50	$79,685	$28,840	$50,845	$16,046,044
5	51	$79,685	$28,749	$50,936	$15,995,108
5	52	$79,685	$28,658	$51,027	$15,944,081
5	53	$79,685	$28,566	$51,118	$15,892,963
5	54	$79,685	$28,475	$51,210	$15,841,753
5	55	$79,685	$28,383	$51,302	$15,790,451
5	56	$79,685	$28,291	$51,394	$15,739,058
5	57	$79,685	$28,199	$51,486	$15,687,572
5	58	$79,685	$28,107	$51,578	$15,635,994
5	59	$79,685	$28,014	$51,670	$15,584,324
5	60	$79,685	$27,922	$51,763	$15,532,561
6	61	$79,685	$27,829	$51,856	$15,480,705
6	62	$79,685	$27,736	$51,949	$15,428,757
6	63	$79,685	$27,643	$52,042	$15,376,715
6	64	$79,685	$27,550	$52,135	$15,324,580
6	65	$79,685	$27,457	$52,228	$15,272,352
6	66	$79,685	$27,363	$52,322	$15,220,030
6	67	$79,685	$27,269	$52,416	$15,167,615
6	68	$79,685	$27,175	$52,510	$15,115,105
6	69	$79,685	$27,081	$52,604	$15,062,501
6	70	$79,685	$26,987	$52,698	$15,009,804
6	71	$79,685	$26,893	$52,792	$14,957,011
6	72	$79,685	$26,798	$52,887	$14,904,125
7	73	$79,685	$26,703	$52,982	$14,851,143
7	74	$79,685	$26,608	$53,077	$14,798,066
7	75	$79,685	$26,513	$53,172	$14,744,895
7	76	$79,685	$26,418	$53,267	$14,691,628
7	77	$79,685	$26,323	$53,362	$14,638,266
7	78	$79,685	$26,227	$53,458	$14,584,808
7	79	$79,685	$26,131	$53,554	$14,531,254
7	80	$79,685	$26,035	$53,650	$14,477,604
7	81	$79,685	$25,939	$53,746	$14,423,859
7	82	$79,685	$25,843	$53,842	$14,370,016
7	83	$79,685	$25,746	$53,939	$14,316,078
7	84	$79,685	$25,650	$54,035	$14,262,043
8	85	$79,685	$25,553	$54,132	$14,207,911
8	86	$79,685	$25,456	$54,229	$14,153,682
8	87	$79,685	$25,359	$54,326	$14,099,356
8	88	$79,685	$25,261	$54,423	$14,044,932
8	89	$79,685	$25,164	$54,521	$13,990,411
8	90	$79,685	$25,066	$54,619	$13,935,793
8	91	$79,685	$24,968	$54,717	$13,881,076
8	92	$79,685	$24,870	$54,815	$13,826,261
8	93	$79,685	$24,772	$54,913	$13,771,349
8	94	$79,685	$24,674	$55,011	$13,716,338
8	95	$79,685	$24,575	$55,110	$13,661,228
8	96	$79,685	$24,476	$55,208	$13,606,019
9	97	$79,685	$24,377	$55,307	$13,550,712
9	98	$79,685	$24,278	$55,406	$13,495,306
9	99	$79,685	$24,179	$55,506	$13,439,800
9	100	$79,685	$24,080	$55,605	$13,384,195
9	101	$79,685	$23,980	$55,705	$13,328,490
9	102	$79,685	$23,880	$55,805	$13,272,685
9	103	$79,685	$23,780	$55,905	$13,216,781
9	104	$79,685	$23,680	$56,005	$13,160,776
9	105	$79,685	$23,580	$56,105	$13,104,671
9	106	$79,685	$23,479	$56,206	$13,048,465
9	107	$79,685	$23,379	$56,306	$12,992,159
9	108	$79,685	$23,278	$56,407	$12,935,752
10	109	$79,685	$23,177	$56,508	$12,879,243
10	110	$79,685	$23,075	$56,610	$12,822,634
10	111	$79,685	$22,974	$56,711	$12,765,923
10	112	$79,685	$22,872	$56,813	$12,709,110
10	113	$79,685	$22,770	$56,914	$12,652,196
10	114	$79,685	$22,669	$57,016	$12,595,180
10	115	$79,685	$22,566	$57,118	$12,538,061
10	116	$79,685	$22,464	$57,221	$12,480,841
10	117	$79,685	$22,362	$57,323	$12,423,517
10	118	$79,685	$22,259	$57,426	$12,366,091
10	119	$79,685	$22,156	$57,529	$12,308,562
10	120	$79,685	$22,053	$57,632	$12,250,930
11	121	$79,685	$21,950	$57,735	$12,193,195
11	122	$79,685	$21,846	$57,839	$12,135,356
11	123	$79,685	$21,743	$57,942	$12,077,414
11	124	$79,685	$21,639	$58,046	$12,019,368
11	125	$79,685	$21,535	$58,150	$11,961,218
11	126	$79,685	$21,431	$58,254	$11,902,964
11	127	$79,685	$21,326	$58,359	$11,844,605
11	128	$79,685	$21,222	$58,463	$11,786,142
11	129	$79,685	$21,117	$58,568	$11,727,574
11	130	$79,685	$21,012	$58,673	$11,668,901
11	131	$79,685	$20,907	$58,778	$11,610,123
11	132	$79,685	$20,801	$58,883	$11,551,239
12	133	$79,685	$20,696	$58,989	$11,492,251
12	134	$79,685	$20,590	$59,095	$11,433,156
12	135	$79,685	$20,484	$59,200	$11,373,956
12	136	$79,685	$20,378	$59,306	$11,314,649
12	137	$79,685	$20,272	$59,413	$11,255,236
12	138	$79,685	$20,166	$59,519	$11,195,717
12	139	$79,685	$20,059	$59,626	$11,136,091
12	140	$79,685	$19,952	$59,733	$11,076,359
12	141	$79,685	$19,845	$59,840	$11,016,519
12	142	$79,685	$19,738	$59,947	$10,956,572
12	143	$79,685	$19,631	$60,054	$10,896,518
12	144	$79,685	$19,523	$60,162	$10,836,356
13	145	$79,685	$19,415	$60,270	$10,776,086
13	146	$79,685	$19,307	$60,378	$10,715,709
13	147	$79,685	$19,199	$60,486	$10,655,223
13	148	$79,685	$19,091	$60,594	$10,594,629
13	149	$79,685	$18,982	$60,703	$10,533,926
13	150	$79,685	$18,873	$60,812	$10,473,114
13	151	$79,685	$18,764	$60,920	$10,412,194
13	152	$79,685	$18,655	$61,030	$10,351,164
13	153	$79,685	$18,546	$61,139	$10,290,025
13	154	$79,685	$18,436	$61,249	$10,228,777
13	155	$79,685	$18,327	$61,358	$10,167,418
13	156	$79,685	$18,217	$61,468	$10,105,950
14	157	$79,685	$18,106	$61,578	$10,044,372
14	158	$79,685	$17,996	$61,689	$9,982,683
14	159	$79,685	$17,886	$61,799	$9,920,884
14	160	$79,685	$17,775	$61,910	$9,858,974
14	161	$79,685	$17,664	$62,021	$9,796,953
14	162	$79,685	$17,553	$62,132	$9,734,821
14	163	$79,685	$17,442	$62,243	$9,672,578
14	164	$79,685	$17,330	$62,355	$9,610,223
14	165	$79,685	$17,218	$62,467	$9,547,757
14	166	$79,685	$17,106	$62,578	$9,485,178
14	167	$79,685	$16,994	$62,691	$9,422,488
14	168	$79,685	$16,882	$62,803	$9,359,685
15	169	$79,685	$16,769	$62,915	$9,296,770
15	170	$79,685	$16,657	$63,028	$9,233,741
15	171	$79,685	$16,544	$63,141	$9,170,600
15	172	$79,685	$16,431	$63,254	$9,107,346
15	173	$79,685	$16,317	$63,367	$9,043,979
15	174	$79,685	$16,204	$63,481	$8,980,498
15	175	$79,685	$16,090	$63,595	$8,916,903
15	176	$79,685	$15,976	$63,709	$8,853,194
15	177	$79,685	$15,862	$63,823	$8,789,371
15	178	$79,685	$15,748	$63,937	$8,725,434
15	179	$79,685	$15,633	$64,052	$8,661,383
15	180	$79,685	$15,518	$64,167	$8,597,216
16	181	$79,685	$15,403	$64,281	$8,532,935
16	182	$79,685	$15,288	$64,397	$8,468,538
16	183	$79,685	$15,173	$64,512	$8,404,026
16	184	$79,685	$15,057	$64,628	$8,339,398
16	185	$79,685	$14,941	$64,743	$8,274,655
16	186	$79,685	$14,825	$64,859	$8,209,795
16	187	$79,685	$14,709	$64,976	$8,144,820
16	188	$79,685	$14,593	$65,092	$8,079,728
16	189	$79,685	$14,476	$65,209	$8,014,519
16	190	$79,685	$14,359	$65,325	$7,949,194
16	191	$79,685	$14,242	$65,443	$7,883,751
16	192	$79,685	$14,125	$65,560	$7,818,191
17	193	$79,685	$14,008	$65,677	$7,752,514
17	194	$79,685	$13,890	$65,795	$7,686,719
17	195	$79,685	$13,772	$65,913	$7,620,807
17	196	$79,685	$13,654	$66,031	$7,554,776
17	197	$79,685	$13,536	$66,149	$7,488,626
17	198	$79,685	$13,417	$66,268	$7,422,359
17	199	$79,685	$13,298	$66,386	$7,355,972
17	200	$79,685	$13,179	$66,505	$7,289,467
17	201	$79,685	$13,060	$66,625	$7,222,842
17	202	$79,685	$12,941	$66,744	$7,156,099
17	203	$79,685	$12,821	$66,863	$7,089,235
17	204	$79,685	$12,702	$66,983	$7,022,252
18	205	$79,685	$12,582	$67,103	$6,955,149
18	206	$79,685	$12,461	$67,224	$6,887,925
18	207	$79,685	$12,341	$67,344	$6,820,581
18	208	$79,685	$12,220	$67,465	$6,753,116
18	209	$79,685	$12,099	$67,585	$6,685,531
18	210	$79,685	$11,978	$67,707	$6,617,824
18	211	$79,685	$11,857	$67,828	$6,549,997
18	212	$79,685	$11,735	$67,949	$6,482,047
18	213	$79,685	$11,614	$68,071	$6,413,976
18	214	$79,685	$11,492	$68,193	$6,345,783
18	215	$79,685	$11,370	$68,315	$6,277,468
18	216	$79,685	$11,247	$68,438	$6,209,030
19	217	$79,685	$11,125	$68,560	$6,140,470
19	218	$79,685	$11,002	$68,683	$6,071,786
19	219	$79,685	$10,879	$68,806	$6,002,980
19	220	$79,685	$10,755	$68,929	$5,934,051
19	221	$79,685	$10,632	$69,053	$5,864,998
19	222	$79,685	$10,508	$69,177	$5,795,821
19	223	$79,685	$10,384	$69,301	$5,726,520
19	224	$79,685	$10,260	$69,425	$5,657,096
19	225	$79,685	$10,136	$69,549	$5,587,546
19	226	$79,685	$10,011	$69,674	$5,517,873
19	227	$79,685	$9,886	$69,799	$5,448,074
19	228	$79,685	$9,761	$69,924	$5,378,150
20	229	$79,685	$9,636	$70,049	$5,308,101
20	230	$79,685	$9,510	$70,174	$5,237,927
20	231	$79,685	$9,385	$70,300	$5,167,627
20	232	$79,685	$9,259	$70,426	$5,097,201
20	233	$79,685	$9,132	$70,552	$5,026,648
20	234	$79,685	$9,006	$70,679	$4,955,969
20	235	$79,685	$8,879	$70,805	$4,885,164
20	236	$79,685	$8,753	$70,932	$4,814,232
20	237	$79,685	$8,625	$71,059	$4,743,173
20	238	$79,685	$8,498	$71,187	$4,671,986
20	239	$79,685	$8,371	$71,314	$4,600,672
20	240	$79,685	$8,243	$71,442	$4,529,230
21	241	$79,685	$8,115	$71,570	$4,457,660
21	242	$79,685	$7,987	$71,698	$4,385,962
21	243	$79,685	$7,858	$71,827	$4,314,135
21	244	$79,685	$7,729	$71,955	$4,242,180
21	245	$79,685	$7,601	$72,084	$4,170,095
21	246	$79,685	$7,471	$72,213	$4,097,882
21	247	$79,685	$7,342	$72,343	$4,025,539
21	248	$79,685	$7,212	$72,472	$3,953,067
21	249	$79,685	$7,083	$72,602	$3,880,465
21	250	$79,685	$6,952	$72,732	$3,807,732
21	251	$79,685	$6,822	$72,863	$3,734,870
21	252	$79,685	$6,692	$72,993	$3,661,877
22	253	$79,685	$6,561	$73,124	$3,588,753
22	254	$79,685	$6,430	$73,255	$3,515,498
22	255	$79,685	$6,299	$73,386	$3,442,111
22	256	$79,685	$6,167	$73,518	$3,368,594
22	257	$79,685	$6,035	$73,649	$3,294,944
22	258	$79,685	$5,903	$73,781	$3,221,163
22	259	$79,685	$5,771	$73,914	$3,147,249
22	260	$79,685	$5,639	$74,046	$3,073,203
22	261	$79,685	$5,506	$74,179	$2,999,025
22	262	$79,685	$5,373	$74,312	$2,924,713
22	263	$79,685	$5,240	$74,445	$2,850,268
22	264	$79,685	$5,107	$74,578	$2,775,690
23	265	$79,685	$4,973	$74,712	$2,700,979
23	266	$79,685	$4,839	$74,846	$2,626,133
23	267	$79,685	$4,705	$74,980	$2,551,153
23	268	$79,685	$4,571	$75,114	$2,476,039
23	269	$79,685	$4,436	$75,249	$2,400,791
23	270	$79,685	$4,301	$75,383	$2,325,407
23	271	$79,685	$4,166	$75,518	$2,249,889
23	272	$79,685	$4,031	$75,654	$2,174,235
23	273	$79,685	$3,896	$75,789	$2,098,446
23	274	$79,685	$3,760	$75,925	$2,022,521
23	275	$79,685	$3,624	$76,061	$1,946,460
23	276	$79,685	$3,487	$76,197	$1,870,262
24	277	$79,685	$3,351	$76,334	$1,793,928
24	278	$79,685	$3,214	$76,471	$1,717,458
24	279	$79,685	$3,077	$76,608	$1,640,850
24	280	$79,685	$2,940	$76,745	$1,564,105
24	281	$79,685	$2,802	$76,882	$1,487,222
24	282	$79,685	$2,665	$77,020	$1,410,202
24	283	$79,685	$2,527	$77,158	$1,333,044
24	284	$79,685	$2,388	$77,296	$1,255,748
24	285	$79,685	$2,250	$77,435	$1,178,313
24	286	$79,685	$2,111	$77,574	$1,100,739
24	287	$79,685	$1,972	$77,713	$1,023,026
24	288	$79,685	$1,833	$77,852	$945,174
25	289	$79,685	$1,693	$77,991	$867,183
25	290	$79,685	$1,554	$78,131	$789,052
25	291	$79,685	$1,414	$78,271	$710,781
25	292	$79,685	$1,273	$78,411	$632,369
25	293	$79,685	$1,133	$78,552	$553,818
25	294	$79,685	$992	$78,693	$475,125
25	295	$79,685	$851	$78,834	$396,291
25	296	$79,685	$710	$78,975	$317,317
25	297	$79,685	$569	$79,116	$238,200
25	298	$79,685	$427	$79,258	$158,942
25	299	$79,685	$285	$79,400	$79,542
25	300	$79,685	$143	$79,542	$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$ 12,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 12,628,000

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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.