Century 21 Centaland Property

Down Payment (HKD)

$56,480,000

Monthly Repayment (HKD)

$365,308

Loan Amount (HKD)

$84,720,000

Total Interest (HKD)

$24,872,497

Total Repayment (HKD)

$109,592,497

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$365,308	$151,790	$213,518	$84,506,482
1	2	$365,308	$151,407	$213,901	$84,292,581
1	3	$365,308	$151,024	$214,284	$84,078,297
1	4	$365,308	$150,640	$214,668	$83,863,629
1	5	$365,308	$150,256	$215,053	$83,648,576
1	6	$365,308	$149,870	$215,438	$83,433,138
1	7	$365,308	$149,484	$215,824	$83,217,314
1	8	$365,308	$149,098	$216,211	$83,001,103
1	9	$365,308	$148,710	$216,598	$82,784,505
1	10	$365,308	$148,322	$216,986	$82,567,519
1	11	$365,308	$147,933	$217,375	$82,350,144
1	12	$365,308	$147,544	$217,764	$82,132,380
2	13	$365,308	$147,154	$218,154	$81,914,226
2	14	$365,308	$146,763	$218,545	$81,695,680
2	15	$365,308	$146,371	$218,937	$81,476,743
2	16	$365,308	$145,979	$219,329	$81,257,414
2	17	$365,308	$145,586	$219,722	$81,037,692
2	18	$365,308	$145,193	$220,116	$80,817,576
2	19	$365,308	$144,798	$220,510	$80,597,066
2	20	$365,308	$144,403	$220,905	$80,376,161
2	21	$365,308	$144,007	$221,301	$80,154,860
2	22	$365,308	$143,611	$221,698	$79,933,162
2	23	$365,308	$143,214	$222,095	$79,711,068
2	24	$365,308	$142,816	$222,493	$79,488,575
3	25	$365,308	$142,417	$222,891	$79,265,684
3	26	$365,308	$142,018	$223,291	$79,042,393
3	27	$365,308	$141,618	$223,691	$78,818,702
3	28	$365,308	$141,217	$224,091	$78,594,611
3	29	$365,308	$140,815	$224,493	$78,370,118
3	30	$365,308	$140,413	$224,895	$78,145,223
3	31	$365,308	$140,010	$225,298	$77,919,925
3	32	$365,308	$139,607	$225,702	$77,694,223
3	33	$365,308	$139,202	$226,106	$77,468,117
3	34	$365,308	$138,797	$226,511	$77,241,605
3	35	$365,308	$138,391	$226,917	$77,014,688
3	36	$365,308	$137,985	$227,324	$76,787,365
4	37	$365,308	$137,577	$227,731	$76,559,634
4	38	$365,308	$137,169	$228,139	$76,331,495
4	39	$365,308	$136,761	$228,548	$76,102,947
4	40	$365,308	$136,351	$228,957	$75,873,990
4	41	$365,308	$135,941	$229,367	$75,644,622
4	42	$365,308	$135,530	$229,778	$75,414,844
4	43	$365,308	$135,118	$230,190	$75,184,654
4	44	$365,308	$134,706	$230,602	$74,954,051
4	45	$365,308	$134,293	$231,016	$74,723,036
4	46	$365,308	$133,879	$231,430	$74,491,606
4	47	$365,308	$133,464	$231,844	$74,259,762
4	48	$365,308	$133,049	$232,260	$74,027,502
5	49	$365,308	$132,633	$232,676	$73,794,827
5	50	$365,308	$132,216	$233,093	$73,561,734
5	51	$365,308	$131,798	$233,510	$73,328,224
5	52	$365,308	$131,380	$233,929	$73,094,295
5	53	$365,308	$130,961	$234,348	$72,859,947
5	54	$365,308	$130,541	$234,768	$72,625,180
5	55	$365,308	$130,120	$235,188	$72,389,992
5	56	$365,308	$129,699	$235,610	$72,154,382
5	57	$365,308	$129,277	$236,032	$71,918,350
5	58	$365,308	$128,854	$236,455	$71,681,896
5	59	$365,308	$128,430	$236,878	$71,445,017
5	60	$365,308	$128,006	$237,303	$71,207,715
6	61	$365,308	$127,580	$237,728	$70,969,987
6	62	$365,308	$127,155	$238,154	$70,731,833
6	63	$365,308	$126,728	$238,580	$70,493,253
6	64	$365,308	$126,300	$239,008	$70,254,245
6	65	$365,308	$125,872	$239,436	$70,014,809
6	66	$365,308	$125,443	$239,865	$69,774,944
6	67	$365,308	$125,013	$240,295	$69,534,649
6	68	$365,308	$124,583	$240,725	$69,293,923
6	69	$365,308	$124,152	$241,157	$69,052,767
6	70	$365,308	$123,720	$241,589	$68,811,178
6	71	$365,308	$123,287	$242,022	$68,569,156
6	72	$365,308	$122,853	$242,455	$68,326,701
7	73	$365,308	$122,419	$242,890	$68,083,811
7	74	$365,308	$121,983	$243,325	$67,840,486
7	75	$365,308	$121,548	$243,761	$67,596,726
7	76	$365,308	$121,111	$244,198	$67,352,528
7	77	$365,308	$120,673	$244,635	$67,107,893
7	78	$365,308	$120,235	$245,073	$66,862,820
7	79	$365,308	$119,796	$245,512	$66,617,307
7	80	$365,308	$119,356	$245,952	$66,371,355
7	81	$365,308	$118,915	$246,393	$66,124,962
7	82	$365,308	$118,474	$246,834	$65,878,128
7	83	$365,308	$118,032	$247,277	$65,630,851
7	84	$365,308	$117,589	$247,720	$65,383,131
8	85	$365,308	$117,145	$248,164	$65,134,968
8	86	$365,308	$116,700	$248,608	$64,886,359
8	87	$365,308	$116,255	$249,054	$64,637,306
8	88	$365,308	$115,809	$249,500	$64,387,806
8	89	$365,308	$115,361	$249,947	$64,137,859
8	90	$365,308	$114,914	$250,395	$63,887,465
8	91	$365,308	$114,465	$250,843	$63,636,621
8	92	$365,308	$114,016	$251,293	$63,385,329
8	93	$365,308	$113,565	$251,743	$63,133,586
8	94	$365,308	$113,114	$252,194	$62,881,392
8	95	$365,308	$112,662	$252,646	$62,628,746
8	96	$365,308	$112,210	$253,098	$62,375,647
9	97	$365,308	$111,756	$253,552	$62,122,095
9	98	$365,308	$111,302	$254,006	$61,868,089
9	99	$365,308	$110,847	$254,461	$61,613,628
9	100	$365,308	$110,391	$254,917	$61,358,711
9	101	$365,308	$109,934	$255,374	$61,103,337
9	102	$365,308	$109,477	$255,832	$60,847,505
9	103	$365,308	$109,018	$256,290	$60,591,215
9	104	$365,308	$108,559	$256,749	$60,334,466
9	105	$365,308	$108,099	$257,209	$60,077,257
9	106	$365,308	$107,638	$257,670	$59,819,587
9	107	$365,308	$107,177	$258,132	$59,561,456
9	108	$365,308	$106,714	$258,594	$59,302,862
10	109	$365,308	$106,251	$259,057	$59,043,804
10	110	$365,308	$105,787	$259,522	$58,784,283
10	111	$365,308	$105,322	$259,986	$58,524,296
10	112	$365,308	$104,856	$260,452	$58,263,844
10	113	$365,308	$104,389	$260,919	$58,002,925
10	114	$365,308	$103,922	$261,386	$57,741,539
10	115	$365,308	$103,454	$261,855	$57,479,684
10	116	$365,308	$102,984	$262,324	$57,217,360
10	117	$365,308	$102,514	$262,794	$56,954,566
10	118	$365,308	$102,044	$263,265	$56,691,301
10	119	$365,308	$101,572	$263,736	$56,427,565
10	120	$365,308	$101,099	$264,209	$56,163,356
11	121	$365,308	$100,626	$264,682	$55,898,674
11	122	$365,308	$100,152	$265,157	$55,633,517
11	123	$365,308	$99,677	$265,632	$55,367,885
11	124	$365,308	$99,201	$266,108	$55,101,778
11	125	$365,308	$98,724	$266,584	$54,835,194
11	126	$365,308	$98,246	$267,062	$54,568,132
11	127	$365,308	$97,768	$267,540	$54,300,591
11	128	$365,308	$97,289	$268,020	$54,032,572
11	129	$365,308	$96,808	$268,500	$53,764,072
11	130	$365,308	$96,327	$268,981	$53,495,091
11	131	$365,308	$95,845	$269,463	$53,225,628
11	132	$365,308	$95,363	$269,946	$52,955,682
12	133	$365,308	$94,879	$270,429	$52,685,252
12	134	$365,308	$94,394	$270,914	$52,414,339
12	135	$365,308	$93,909	$271,399	$52,142,939
12	136	$365,308	$93,423	$271,886	$51,871,054
12	137	$365,308	$92,936	$272,373	$51,598,681
12	138	$365,308	$92,448	$272,861	$51,325,820
12	139	$365,308	$91,959	$273,350	$51,052,471
12	140	$365,308	$91,469	$273,839	$50,778,631
12	141	$365,308	$90,978	$274,330	$50,504,301
12	142	$365,308	$90,487	$274,821	$50,229,480
12	143	$365,308	$89,994	$275,314	$49,954,166
12	144	$365,308	$89,501	$275,807	$49,678,359
13	145	$365,308	$89,007	$276,301	$49,402,058
13	146	$365,308	$88,512	$276,796	$49,125,261
13	147	$365,308	$88,016	$277,292	$48,847,969
13	148	$365,308	$87,519	$277,789	$48,570,180
13	149	$365,308	$87,022	$278,287	$48,291,893
13	150	$365,308	$86,523	$278,785	$48,013,108
13	151	$365,308	$86,023	$279,285	$47,733,823
13	152	$365,308	$85,523	$279,785	$47,454,038
13	153	$365,308	$85,022	$280,287	$47,173,752
13	154	$365,308	$84,520	$280,789	$46,892,963
13	155	$365,308	$84,017	$281,292	$46,611,671
13	156	$365,308	$83,513	$281,796	$46,329,875
14	157	$365,308	$83,008	$282,301	$46,047,575
14	158	$365,308	$82,502	$282,806	$45,764,768
14	159	$365,308	$81,995	$283,313	$45,481,455
14	160	$365,308	$81,488	$283,821	$45,197,634
14	161	$365,308	$80,979	$284,329	$44,913,305
14	162	$365,308	$80,470	$284,839	$44,628,467
14	163	$365,308	$79,959	$285,349	$44,343,118
14	164	$365,308	$79,448	$285,860	$44,057,257
14	165	$365,308	$78,936	$286,372	$43,770,885
14	166	$365,308	$78,423	$286,885	$43,483,999
14	167	$365,308	$77,909	$287,399	$43,196,600
14	168	$365,308	$77,394	$287,914	$42,908,686
15	169	$365,308	$76,878	$288,430	$42,620,255
15	170	$365,308	$76,361	$288,947	$42,331,308
15	171	$365,308	$75,844	$289,465	$42,041,844
15	172	$365,308	$75,325	$289,983	$41,751,860
15	173	$365,308	$74,805	$290,503	$41,461,357
15	174	$365,308	$74,285	$291,023	$41,170,334
15	175	$365,308	$73,764	$291,545	$40,878,789
15	176	$365,308	$73,241	$292,067	$40,586,722
15	177	$365,308	$72,718	$292,590	$40,294,131
15	178	$365,308	$72,194	$293,115	$40,001,017
15	179	$365,308	$71,668	$293,640	$39,707,377
15	180	$365,308	$71,142	$294,166	$39,413,211
16	181	$365,308	$70,615	$294,693	$39,118,518
16	182	$365,308	$70,087	$295,221	$38,823,297
16	183	$365,308	$69,558	$295,750	$38,527,547
16	184	$365,308	$69,029	$296,280	$38,231,267
16	185	$365,308	$68,498	$296,811	$37,934,457
16	186	$365,308	$67,966	$297,342	$37,637,114
16	187	$365,308	$67,433	$297,875	$37,339,239
16	188	$365,308	$66,899	$298,409	$37,040,830
16	189	$365,308	$66,365	$298,944	$36,741,887
16	190	$365,308	$65,829	$299,479	$36,442,408
16	191	$365,308	$65,293	$300,016	$36,142,392
16	192	$365,308	$64,755	$300,553	$35,841,839
17	193	$365,308	$64,217	$301,092	$35,540,747
17	194	$365,308	$63,677	$301,631	$35,239,116
17	195	$365,308	$63,137	$302,172	$34,936,944
17	196	$365,308	$62,595	$302,713	$34,634,231
17	197	$365,308	$62,053	$303,255	$34,330,976
17	198	$365,308	$61,510	$303,799	$34,027,177
17	199	$365,308	$60,965	$304,343	$33,722,834
17	200	$365,308	$60,420	$304,888	$33,417,946
17	201	$365,308	$59,874	$305,435	$33,112,512
17	202	$365,308	$59,327	$305,982	$32,806,530
17	203	$365,308	$58,778	$306,530	$32,500,000
17	204	$365,308	$58,229	$307,079	$32,192,921
18	205	$365,308	$57,679	$307,629	$31,885,291
18	206	$365,308	$57,128	$308,181	$31,577,111
18	207	$365,308	$56,576	$308,733	$31,268,378
18	208	$365,308	$56,023	$309,286	$30,959,092
18	209	$365,308	$55,468	$309,840	$30,649,253
18	210	$365,308	$54,913	$310,395	$30,338,857
18	211	$365,308	$54,357	$310,951	$30,027,906
18	212	$365,308	$53,800	$311,508	$29,716,398
18	213	$365,308	$53,242	$312,066	$29,404,331
18	214	$365,308	$52,683	$312,626	$29,091,706
18	215	$365,308	$52,123	$313,186	$28,778,520
18	216	$365,308	$51,562	$313,747	$28,464,773
19	217	$365,308	$50,999	$314,309	$28,150,464
19	218	$365,308	$50,436	$314,872	$27,835,592
19	219	$365,308	$49,872	$315,436	$27,520,156
19	220	$365,308	$49,307	$316,001	$27,204,155
19	221	$365,308	$48,741	$316,568	$26,887,587
19	222	$365,308	$48,174	$317,135	$26,570,453
19	223	$365,308	$47,605	$317,703	$26,252,750
19	224	$365,308	$47,036	$318,272	$25,934,477
19	225	$365,308	$46,466	$318,842	$25,615,635
19	226	$365,308	$45,895	$319,414	$25,296,221
19	227	$365,308	$45,322	$319,986	$24,976,235
19	228	$365,308	$44,749	$320,559	$24,655,676
20	229	$365,308	$44,175	$321,134	$24,334,543
20	230	$365,308	$43,599	$321,709	$24,012,834
20	231	$365,308	$43,023	$322,285	$23,690,548
20	232	$365,308	$42,446	$322,863	$23,367,686
20	233	$365,308	$41,867	$323,441	$23,044,244
20	234	$365,308	$41,288	$324,021	$22,720,224
20	235	$365,308	$40,707	$324,601	$22,395,622
20	236	$365,308	$40,125	$325,183	$22,070,440
20	237	$365,308	$39,543	$325,765	$21,744,674
20	238	$365,308	$38,959	$326,349	$21,418,325
20	239	$365,308	$38,374	$326,934	$21,091,391
20	240	$365,308	$37,789	$327,520	$20,763,872
21	241	$365,308	$37,202	$328,106	$20,435,765
21	242	$365,308	$36,614	$328,694	$20,107,071
21	243	$365,308	$36,025	$329,283	$19,777,788
21	244	$365,308	$35,435	$329,873	$19,447,915
21	245	$365,308	$34,844	$330,464	$19,117,451
21	246	$365,308	$34,252	$331,056	$18,786,394
21	247	$365,308	$33,659	$331,649	$18,454,745
21	248	$365,308	$33,065	$332,244	$18,122,501
21	249	$365,308	$32,469	$332,839	$17,789,663
21	250	$365,308	$31,873	$333,435	$17,456,227
21	251	$365,308	$31,276	$334,033	$17,122,195
21	252	$365,308	$30,677	$334,631	$16,787,564
22	253	$365,308	$30,078	$335,231	$16,452,333
22	254	$365,308	$29,477	$335,831	$16,116,502
22	255	$365,308	$28,875	$336,433	$15,780,069
22	256	$365,308	$28,273	$337,036	$15,443,033
22	257	$365,308	$27,669	$337,640	$15,105,394
22	258	$365,308	$27,064	$338,244	$14,767,149
22	259	$365,308	$26,458	$338,851	$14,428,299
22	260	$365,308	$25,851	$339,458	$14,088,841
22	261	$365,308	$25,243	$340,066	$13,748,775
22	262	$365,308	$24,633	$340,675	$13,408,100
22	263	$365,308	$24,023	$341,285	$13,066,815
22	264	$365,308	$23,411	$341,897	$12,724,918
23	265	$365,308	$22,799	$342,510	$12,382,408
23	266	$365,308	$22,185	$343,123	$12,039,285
23	267	$365,308	$21,570	$343,738	$11,695,547
23	268	$365,308	$20,955	$344,354	$11,351,193
23	269	$365,308	$20,338	$344,971	$11,006,223
23	270	$365,308	$19,719	$345,589	$10,660,634
23	271	$365,308	$19,100	$346,208	$10,314,426
23	272	$365,308	$18,480	$346,828	$9,967,597
23	273	$365,308	$17,859	$347,450	$9,620,148
23	274	$365,308	$17,236	$348,072	$9,272,075
23	275	$365,308	$16,612	$348,696	$8,923,380
23	276	$365,308	$15,988	$349,321	$8,574,059
24	277	$365,308	$15,362	$349,946	$8,224,113
24	278	$365,308	$14,735	$350,573	$7,873,539
24	279	$365,308	$14,107	$351,202	$7,522,337
24	280	$365,308	$13,478	$351,831	$7,170,507
24	281	$365,308	$12,847	$352,461	$6,818,046
24	282	$365,308	$12,216	$353,093	$6,464,953
24	283	$365,308	$11,583	$353,725	$6,111,228
24	284	$365,308	$10,949	$354,359	$5,756,869
24	285	$365,308	$10,314	$354,994	$5,401,875
24	286	$365,308	$9,678	$355,630	$5,046,245
24	287	$365,308	$9,041	$356,267	$4,689,978
24	288	$365,308	$8,403	$356,905	$4,333,072
25	289	$365,308	$7,763	$357,545	$3,975,527
25	290	$365,308	$7,123	$358,186	$3,617,342
25	291	$365,308	$6,481	$358,827	$3,258,514
25	292	$365,308	$5,838	$359,470	$2,899,044
25	293	$365,308	$5,194	$360,114	$2,538,930
25	294	$365,308	$4,549	$360,759	$2,178,171
25	295	$365,308	$3,903	$361,406	$1,816,765
25	296	$365,308	$3,255	$362,053	$1,454,712
25	297	$365,308	$2,606	$362,702	$1,092,010
25	298	$365,308	$1,957	$363,352	$728,658
25	299	$365,308	$1,306	$364,003	$364,655
25	300	$365,308	$653	$364,655	$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$ 56,480,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 57,892,000

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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.