Century 21 Centaland Property

Down Payment (HKD)

$47,056,000

Monthly Repayment (HKD)

$304,355

Loan Amount (HKD)

$70,584,000

Total Interest (HKD)

$20,722,384

Total Repayment (HKD)

$91,306,384

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$304,355	$126,463	$177,892	$70,406,108
1	2	$304,355	$126,144	$178,210	$70,227,898
1	3	$304,355	$125,825	$178,530	$70,049,368
1	4	$304,355	$125,505	$178,849	$69,870,519
1	5	$304,355	$125,185	$179,170	$69,691,349
1	6	$304,355	$124,864	$179,491	$69,511,858
1	7	$304,355	$124,542	$179,813	$69,332,046
1	8	$304,355	$124,220	$180,135	$69,151,911
1	9	$304,355	$123,897	$180,457	$68,971,453
1	10	$304,355	$123,574	$180,781	$68,790,673
1	11	$304,355	$123,250	$181,105	$68,609,568
1	12	$304,355	$122,925	$181,429	$68,428,139
2	13	$304,355	$122,600	$181,754	$68,246,385
2	14	$304,355	$122,275	$182,080	$68,064,305
2	15	$304,355	$121,949	$182,406	$67,881,899
2	16	$304,355	$121,622	$182,733	$67,699,166
2	17	$304,355	$121,294	$183,060	$67,516,106
2	18	$304,355	$120,966	$183,388	$67,332,717
2	19	$304,355	$120,638	$183,717	$67,149,000
2	20	$304,355	$120,309	$184,046	$66,964,955
2	21	$304,355	$119,979	$184,376	$66,780,579
2	22	$304,355	$119,649	$184,706	$66,595,873
2	23	$304,355	$119,318	$185,037	$66,410,836
2	24	$304,355	$118,986	$185,369	$66,225,467
3	25	$304,355	$118,654	$185,701	$66,039,767
3	26	$304,355	$118,321	$186,033	$65,853,733
3	27	$304,355	$117,988	$186,367	$65,667,366
3	28	$304,355	$117,654	$186,701	$65,480,666
3	29	$304,355	$117,320	$187,035	$65,293,631
3	30	$304,355	$116,984	$187,370	$65,106,261
3	31	$304,355	$116,649	$187,706	$64,918,555
3	32	$304,355	$116,312	$188,042	$64,730,513
3	33	$304,355	$115,976	$188,379	$64,542,133
3	34	$304,355	$115,638	$188,717	$64,353,417
3	35	$304,355	$115,300	$189,055	$64,164,362
3	36	$304,355	$114,961	$189,393	$63,974,969
4	37	$304,355	$114,622	$189,733	$63,785,236
4	38	$304,355	$114,282	$190,073	$63,595,163
4	39	$304,355	$113,941	$190,413	$63,404,750
4	40	$304,355	$113,600	$190,754	$63,213,995
4	41	$304,355	$113,258	$191,096	$63,022,899
4	42	$304,355	$112,916	$191,439	$62,831,461
4	43	$304,355	$112,573	$191,782	$62,639,679
4	44	$304,355	$112,229	$192,125	$62,447,554
4	45	$304,355	$111,885	$192,469	$62,255,084
4	46	$304,355	$111,540	$192,814	$62,062,270
4	47	$304,355	$111,195	$193,160	$61,869,110
4	48	$304,355	$110,849	$193,506	$61,675,605
5	49	$304,355	$110,502	$193,852	$61,481,752
5	50	$304,355	$110,155	$194,200	$61,287,552
5	51	$304,355	$109,807	$194,548	$61,093,005
5	52	$304,355	$109,458	$194,896	$60,898,108
5	53	$304,355	$109,109	$195,246	$60,702,863
5	54	$304,355	$108,759	$195,595	$60,507,267
5	55	$304,355	$108,409	$195,946	$60,311,322
5	56	$304,355	$108,058	$196,297	$60,115,025
5	57	$304,355	$107,706	$196,649	$59,918,376
5	58	$304,355	$107,354	$197,001	$59,721,375
5	59	$304,355	$107,001	$197,354	$59,524,022
5	60	$304,355	$106,647	$197,707	$59,326,314
6	61	$304,355	$106,293	$198,062	$59,128,253
6	62	$304,355	$105,938	$198,416	$58,929,836
6	63	$304,355	$105,583	$198,772	$58,731,064
6	64	$304,355	$105,226	$199,128	$58,531,936
6	65	$304,355	$104,870	$199,485	$58,332,451
6	66	$304,355	$104,512	$199,842	$58,132,609
6	67	$304,355	$104,154	$200,200	$57,932,408
6	68	$304,355	$103,796	$200,559	$57,731,849
6	69	$304,355	$103,436	$200,918	$57,530,931
6	70	$304,355	$103,076	$201,278	$57,329,653
6	71	$304,355	$102,716	$201,639	$57,128,014
6	72	$304,355	$102,354	$202,000	$56,926,013
7	73	$304,355	$101,992	$202,362	$56,723,651
7	74	$304,355	$101,630	$202,725	$56,520,927
7	75	$304,355	$101,267	$203,088	$56,317,839
7	76	$304,355	$100,903	$203,452	$56,114,387
7	77	$304,355	$100,538	$203,816	$55,910,570
7	78	$304,355	$100,173	$204,182	$55,706,389
7	79	$304,355	$99,807	$204,547	$55,501,842
7	80	$304,355	$99,441	$204,914	$55,296,928
7	81	$304,355	$99,074	$205,281	$55,091,647
7	82	$304,355	$98,706	$205,649	$54,885,998
7	83	$304,355	$98,337	$206,017	$54,679,981
7	84	$304,355	$97,968	$206,386	$54,473,595
8	85	$304,355	$97,599	$206,756	$54,266,838
8	86	$304,355	$97,228	$207,127	$54,059,712
8	87	$304,355	$96,857	$207,498	$53,852,214
8	88	$304,355	$96,485	$207,869	$53,644,345
8	89	$304,355	$96,113	$208,242	$53,436,103
8	90	$304,355	$95,740	$208,615	$53,227,488
8	91	$304,355	$95,366	$208,989	$53,018,499
8	92	$304,355	$94,991	$209,363	$52,809,136
8	93	$304,355	$94,616	$209,738	$52,599,398
8	94	$304,355	$94,241	$210,114	$52,389,284
8	95	$304,355	$93,864	$210,490	$52,178,794
8	96	$304,355	$93,487	$210,868	$51,967,926
9	97	$304,355	$93,109	$211,245	$51,756,681
9	98	$304,355	$92,731	$211,624	$51,545,057
9	99	$304,355	$92,352	$212,003	$51,333,054
9	100	$304,355	$91,972	$212,383	$51,120,671
9	101	$304,355	$91,591	$212,763	$50,907,907
9	102	$304,355	$91,210	$213,145	$50,694,763
9	103	$304,355	$90,828	$213,526	$50,481,236
9	104	$304,355	$90,446	$213,909	$50,267,327
9	105	$304,355	$90,062	$214,292	$50,053,035
9	106	$304,355	$89,678	$214,676	$49,838,359
9	107	$304,355	$89,294	$215,061	$49,623,298
9	108	$304,355	$88,908	$215,446	$49,407,851
10	109	$304,355	$88,522	$215,832	$49,192,019
10	110	$304,355	$88,136	$216,219	$48,975,800
10	111	$304,355	$87,748	$216,606	$48,759,194
10	112	$304,355	$87,360	$216,994	$48,542,200
10	113	$304,355	$86,971	$217,383	$48,324,816
10	114	$304,355	$86,582	$217,773	$48,107,044
10	115	$304,355	$86,192	$218,163	$47,888,881
10	116	$304,355	$85,801	$218,554	$47,670,327
10	117	$304,355	$85,409	$218,945	$47,451,382
10	118	$304,355	$85,017	$219,338	$47,232,044
10	119	$304,355	$84,624	$219,731	$47,012,314
10	120	$304,355	$84,230	$220,124	$46,792,190
11	121	$304,355	$83,836	$220,519	$46,571,671
11	122	$304,355	$83,441	$220,914	$46,350,757
11	123	$304,355	$83,045	$221,310	$46,129,448
11	124	$304,355	$82,649	$221,706	$45,907,742
11	125	$304,355	$82,251	$222,103	$45,685,639
11	126	$304,355	$81,853	$222,501	$45,463,137
11	127	$304,355	$81,455	$222,900	$45,240,238
11	128	$304,355	$81,055	$223,299	$45,016,938
11	129	$304,355	$80,655	$223,699	$44,793,239
11	130	$304,355	$80,255	$224,100	$44,569,139
11	131	$304,355	$79,853	$224,502	$44,344,638
11	132	$304,355	$79,451	$224,904	$44,119,734
12	133	$304,355	$79,048	$225,307	$43,894,427
12	134	$304,355	$78,644	$225,710	$43,668,717
12	135	$304,355	$78,240	$226,115	$43,442,602
12	136	$304,355	$77,835	$226,520	$43,216,082
12	137	$304,355	$77,429	$226,926	$42,989,156
12	138	$304,355	$77,022	$227,332	$42,761,824
12	139	$304,355	$76,615	$227,740	$42,534,084
12	140	$304,355	$76,207	$228,148	$42,305,936
12	141	$304,355	$75,798	$228,556	$42,077,380
12	142	$304,355	$75,389	$228,966	$41,848,414
12	143	$304,355	$74,978	$229,376	$41,619,038
12	144	$304,355	$74,567	$229,787	$41,389,250
13	145	$304,355	$74,156	$230,199	$41,159,052
13	146	$304,355	$73,743	$230,611	$40,928,440
13	147	$304,355	$73,330	$231,024	$40,697,416
13	148	$304,355	$72,916	$231,438	$40,465,977
13	149	$304,355	$72,502	$231,853	$40,234,124
13	150	$304,355	$72,086	$232,268	$40,001,856
13	151	$304,355	$71,670	$232,685	$39,769,171
13	152	$304,355	$71,253	$233,102	$39,536,070
13	153	$304,355	$70,835	$233,519	$39,302,551
13	154	$304,355	$70,417	$233,938	$39,068,613
13	155	$304,355	$69,998	$234,357	$38,834,256
13	156	$304,355	$69,578	$234,777	$38,599,480
14	157	$304,355	$69,157	$235,197	$38,364,283
14	158	$304,355	$68,736	$235,619	$38,128,664
14	159	$304,355	$68,314	$236,041	$37,892,623
14	160	$304,355	$67,891	$236,464	$37,656,159
14	161	$304,355	$67,467	$236,887	$37,419,272
14	162	$304,355	$67,043	$237,312	$37,181,960
14	163	$304,355	$66,618	$237,737	$36,944,223
14	164	$304,355	$66,192	$238,163	$36,706,061
14	165	$304,355	$65,765	$238,590	$36,467,471
14	166	$304,355	$65,338	$239,017	$36,228,454
14	167	$304,355	$64,909	$239,445	$35,989,009
14	168	$304,355	$64,480	$239,874	$35,749,134
15	169	$304,355	$64,051	$240,304	$35,508,830
15	170	$304,355	$63,620	$240,735	$35,268,096
15	171	$304,355	$63,189	$241,166	$35,026,930
15	172	$304,355	$62,757	$241,598	$34,785,332
15	173	$304,355	$62,324	$242,031	$34,543,301
15	174	$304,355	$61,890	$242,465	$34,300,836
15	175	$304,355	$61,456	$242,899	$34,057,937
15	176	$304,355	$61,020	$243,334	$33,814,603
15	177	$304,355	$60,584	$243,770	$33,570,833
15	178	$304,355	$60,148	$244,207	$33,326,626
15	179	$304,355	$59,710	$244,644	$33,081,982
15	180	$304,355	$59,272	$245,083	$32,836,899
16	181	$304,355	$58,833	$245,522	$32,591,377
16	182	$304,355	$58,393	$245,962	$32,345,415
16	183	$304,355	$57,952	$246,402	$32,099,013
16	184	$304,355	$57,511	$246,844	$31,852,169
16	185	$304,355	$57,068	$247,286	$31,604,883
16	186	$304,355	$56,625	$247,729	$31,357,154
16	187	$304,355	$56,182	$248,173	$31,108,981
16	188	$304,355	$55,737	$248,618	$30,860,363
16	189	$304,355	$55,291	$249,063	$30,611,300
16	190	$304,355	$54,845	$249,509	$30,361,791
16	191	$304,355	$54,398	$249,956	$30,111,834
16	192	$304,355	$53,950	$250,404	$29,861,430
17	193	$304,355	$53,502	$250,853	$29,610,577
17	194	$304,355	$53,052	$251,302	$29,359,275
17	195	$304,355	$52,602	$251,753	$29,107,522
17	196	$304,355	$52,151	$252,204	$28,855,319
17	197	$304,355	$51,699	$252,656	$28,602,663
17	198	$304,355	$51,246	$253,108	$28,349,555
17	199	$304,355	$50,793	$253,562	$28,095,993
17	200	$304,355	$50,339	$254,016	$27,841,977
17	201	$304,355	$49,884	$254,471	$27,587,506
17	202	$304,355	$49,428	$254,927	$27,332,579
17	203	$304,355	$48,971	$255,384	$27,077,195
17	204	$304,355	$48,513	$255,841	$26,821,354
18	205	$304,355	$48,055	$256,300	$26,565,054
18	206	$304,355	$47,596	$256,759	$26,308,296
18	207	$304,355	$47,136	$257,219	$26,051,077
18	208	$304,355	$46,675	$257,680	$25,793,397
18	209	$304,355	$46,213	$258,141	$25,535,255
18	210	$304,355	$45,751	$258,604	$25,276,651
18	211	$304,355	$45,287	$259,067	$25,017,584
18	212	$304,355	$44,823	$259,531	$24,758,053
18	213	$304,355	$44,358	$259,996	$24,498,056
18	214	$304,355	$43,892	$260,462	$24,237,594
18	215	$304,355	$43,426	$260,929	$23,976,665
18	216	$304,355	$42,958	$261,396	$23,715,269
19	217	$304,355	$42,490	$261,865	$23,453,404
19	218	$304,355	$42,021	$262,334	$23,191,070
19	219	$304,355	$41,551	$262,804	$22,928,266
19	220	$304,355	$41,080	$263,275	$22,664,991
19	221	$304,355	$40,608	$263,747	$22,401,245
19	222	$304,355	$40,136	$264,219	$22,137,026
19	223	$304,355	$39,662	$264,692	$21,872,333
19	224	$304,355	$39,188	$265,167	$21,607,167
19	225	$304,355	$38,713	$265,642	$21,341,525
19	226	$304,355	$38,237	$266,118	$21,075,407
19	227	$304,355	$37,760	$266,595	$20,808,813
19	228	$304,355	$37,282	$267,072	$20,541,740
20	229	$304,355	$36,804	$267,551	$20,274,190
20	230	$304,355	$36,325	$268,030	$20,006,160
20	231	$304,355	$35,844	$268,510	$19,737,650
20	232	$304,355	$35,363	$268,991	$19,468,658
20	233	$304,355	$34,881	$269,473	$19,199,185
20	234	$304,355	$34,399	$269,956	$18,929,229
20	235	$304,355	$33,915	$270,440	$18,658,789
20	236	$304,355	$33,430	$270,924	$18,387,865
20	237	$304,355	$32,945	$271,410	$18,116,455
20	238	$304,355	$32,459	$271,896	$17,844,559
20	239	$304,355	$31,972	$272,383	$17,572,176
20	240	$304,355	$31,483	$272,871	$17,299,305
21	241	$304,355	$30,995	$273,360	$17,025,945
21	242	$304,355	$30,505	$273,850	$16,752,095
21	243	$304,355	$30,014	$274,340	$16,477,755
21	244	$304,355	$29,523	$274,832	$16,202,923
21	245	$304,355	$29,030	$275,324	$15,927,598
21	246	$304,355	$28,537	$275,818	$15,651,781
21	247	$304,355	$28,043	$276,312	$15,375,469
21	248	$304,355	$27,548	$276,807	$15,098,662
21	249	$304,355	$27,052	$277,303	$14,821,359
21	250	$304,355	$26,555	$277,800	$14,543,559
21	251	$304,355	$26,057	$278,297	$14,265,262
21	252	$304,355	$25,559	$278,796	$13,986,466
22	253	$304,355	$25,059	$279,296	$13,707,170
22	254	$304,355	$24,559	$279,796	$13,427,375
22	255	$304,355	$24,057	$280,297	$13,147,077
22	256	$304,355	$23,555	$280,799	$12,866,278
22	257	$304,355	$23,052	$281,303	$12,584,975
22	258	$304,355	$22,548	$281,807	$12,303,169
22	259	$304,355	$22,043	$282,311	$12,020,857
22	260	$304,355	$21,537	$282,817	$11,738,040
22	261	$304,355	$21,031	$283,324	$11,454,716
22	262	$304,355	$20,523	$283,832	$11,170,885
22	263	$304,355	$20,015	$284,340	$10,886,544
22	264	$304,355	$19,505	$284,850	$10,601,695
23	265	$304,355	$18,995	$285,360	$10,316,335
23	266	$304,355	$18,483	$285,871	$10,030,464
23	267	$304,355	$17,971	$286,383	$9,744,080
23	268	$304,355	$17,458	$286,896	$9,457,184
23	269	$304,355	$16,944	$287,410	$9,169,774
23	270	$304,355	$16,429	$287,925	$8,881,848
23	271	$304,355	$15,913	$288,441	$8,593,407
23	272	$304,355	$15,397	$288,958	$8,304,449
23	273	$304,355	$14,879	$289,476	$8,014,973
23	274	$304,355	$14,360	$289,994	$7,724,978
23	275	$304,355	$13,841	$290,514	$7,434,464
23	276	$304,355	$13,320	$291,035	$7,143,430
24	277	$304,355	$12,799	$291,556	$6,851,874
24	278	$304,355	$12,276	$292,078	$6,559,796
24	279	$304,355	$11,753	$292,602	$6,267,194
24	280	$304,355	$11,229	$293,126	$5,974,068
24	281	$304,355	$10,704	$293,651	$5,680,417
24	282	$304,355	$10,177	$294,177	$5,386,240
24	283	$304,355	$9,650	$294,704	$5,091,535
24	284	$304,355	$9,122	$295,232	$4,796,303
24	285	$304,355	$8,593	$295,761	$4,500,542
24	286	$304,355	$8,063	$296,291	$4,204,251
24	287	$304,355	$7,533	$296,822	$3,907,429
24	288	$304,355	$7,001	$297,354	$3,610,075
25	289	$304,355	$6,468	$297,887	$3,312,188
25	290	$304,355	$5,934	$298,420	$3,013,768
25	291	$304,355	$5,400	$298,955	$2,714,813
25	292	$304,355	$4,864	$299,491	$2,415,323
25	293	$304,355	$4,327	$300,027	$2,115,296
25	294	$304,355	$3,790	$300,565	$1,814,731
25	295	$304,355	$3,251	$301,103	$1,513,628
25	296	$304,355	$2,712	$301,643	$1,211,985
25	297	$304,355	$2,171	$302,183	$909,802
25	298	$304,355	$1,630	$302,725	$607,077
25	299	$304,355	$1,088	$303,267	$303,810
25	300	$304,355	$544	$303,810	$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$ 47,056,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 48,232,400

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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.