Century 21 Centaland Property

Down Payment (HKD)

$12,200,000

Monthly Repayment (HKD)

$78,909

Loan Amount (HKD)

$18,300,000

Total Interest (HKD)

$5,372,600

Total Repayment (HKD)

$23,672,600

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$78,909	$32,788	$46,121	$18,253,879
1	2	$78,909	$32,705	$46,204	$18,207,675
1	3	$78,909	$32,622	$46,287	$18,161,388
1	4	$78,909	$32,539	$46,370	$18,115,019
1	5	$78,909	$32,456	$46,453	$18,068,566
1	6	$78,909	$32,373	$46,536	$18,022,031
1	7	$78,909	$32,289	$46,619	$17,975,411
1	8	$78,909	$32,206	$46,703	$17,928,709
1	9	$78,909	$32,122	$46,786	$17,881,922
1	10	$78,909	$32,038	$46,870	$17,835,052
1	11	$78,909	$31,954	$46,954	$17,788,098
1	12	$78,909	$31,870	$47,038	$17,741,059
2	13	$78,909	$31,786	$47,123	$17,693,937
2	14	$78,909	$31,702	$47,207	$17,646,730
2	15	$78,909	$31,617	$47,292	$17,599,438
2	16	$78,909	$31,532	$47,376	$17,552,062
2	17	$78,909	$31,447	$47,461	$17,504,601
2	18	$78,909	$31,362	$47,546	$17,457,054
2	19	$78,909	$31,277	$47,631	$17,409,423
2	20	$78,909	$31,192	$47,717	$17,361,706
2	21	$78,909	$31,106	$47,802	$17,313,904
2	22	$78,909	$31,021	$47,888	$17,266,016
2	23	$78,909	$30,935	$47,974	$17,218,042
2	24	$78,909	$30,849	$48,060	$17,169,983
3	25	$78,909	$30,763	$48,146	$17,121,837
3	26	$78,909	$30,677	$48,232	$17,073,605
3	27	$78,909	$30,590	$48,318	$17,025,286
3	28	$78,909	$30,504	$48,405	$16,976,881
3	29	$78,909	$30,417	$48,492	$16,928,389
3	30	$78,909	$30,330	$48,579	$16,879,811
3	31	$78,909	$30,243	$48,666	$16,831,145
3	32	$78,909	$30,156	$48,753	$16,782,392
3	33	$78,909	$30,068	$48,840	$16,733,552
3	34	$78,909	$29,981	$48,928	$16,684,624
3	35	$78,909	$29,893	$49,015	$16,635,609
3	36	$78,909	$29,805	$49,103	$16,586,506
4	37	$78,909	$29,717	$49,191	$16,537,315
4	38	$78,909	$29,629	$49,279	$16,488,035
4	39	$78,909	$29,541	$49,368	$16,438,668
4	40	$78,909	$29,453	$49,456	$16,389,212
4	41	$78,909	$29,364	$49,545	$16,339,667
4	42	$78,909	$29,275	$49,633	$16,290,034
4	43	$78,909	$29,186	$49,722	$16,240,311
4	44	$78,909	$29,097	$49,811	$16,190,500
4	45	$78,909	$29,008	$49,901	$16,140,599
4	46	$78,909	$28,919	$49,990	$16,090,609
4	47	$78,909	$28,829	$50,080	$16,040,529
4	48	$78,909	$28,739	$50,169	$15,990,360
5	49	$78,909	$28,649	$50,259	$15,940,101
5	50	$78,909	$28,559	$50,349	$15,889,751
5	51	$78,909	$28,469	$50,440	$15,839,312
5	52	$78,909	$28,379	$50,530	$15,788,782
5	53	$78,909	$28,288	$50,620	$15,738,161
5	54	$78,909	$28,198	$50,711	$15,687,450
5	55	$78,909	$28,107	$50,802	$15,636,648
5	56	$78,909	$28,016	$50,893	$15,585,755
5	57	$78,909	$27,924	$50,984	$15,534,771
5	58	$78,909	$27,833	$51,076	$15,483,696
5	59	$78,909	$27,742	$51,167	$15,432,529
5	60	$78,909	$27,650	$51,259	$15,381,270
6	61	$78,909	$27,558	$51,351	$15,329,919
6	62	$78,909	$27,466	$51,443	$15,278,477
6	63	$78,909	$27,374	$51,535	$15,226,942
6	64	$78,909	$27,282	$51,627	$15,175,315
6	65	$78,909	$27,189	$51,720	$15,123,595
6	66	$78,909	$27,096	$51,812	$15,071,783
6	67	$78,909	$27,004	$51,905	$15,019,878
6	68	$78,909	$26,911	$51,998	$14,967,880
6	69	$78,909	$26,817	$52,091	$14,915,789
6	70	$78,909	$26,724	$52,185	$14,863,604
6	71	$78,909	$26,631	$52,278	$14,811,326
6	72	$78,909	$26,537	$52,372	$14,758,955
7	73	$78,909	$26,443	$52,466	$14,706,489
7	74	$78,909	$26,349	$52,560	$14,653,929
7	75	$78,909	$26,255	$52,654	$14,601,276
7	76	$78,909	$26,161	$52,748	$14,548,528
7	77	$78,909	$26,066	$52,843	$14,495,685
7	78	$78,909	$25,971	$52,937	$14,442,748
7	79	$78,909	$25,877	$53,032	$14,389,716
7	80	$78,909	$25,782	$53,127	$14,336,589
7	81	$78,909	$25,686	$53,222	$14,283,366
7	82	$78,909	$25,591	$53,318	$14,230,049
7	83	$78,909	$25,496	$53,413	$14,176,636
7	84	$78,909	$25,400	$53,509	$14,123,127
8	85	$78,909	$25,304	$53,605	$14,069,522
8	86	$78,909	$25,208	$53,701	$14,015,821
8	87	$78,909	$25,112	$53,797	$13,962,024
8	88	$78,909	$25,015	$53,893	$13,908,131
8	89	$78,909	$24,919	$53,990	$13,854,141
8	90	$78,909	$24,822	$54,087	$13,800,054
8	91	$78,909	$24,725	$54,184	$13,745,871
8	92	$78,909	$24,628	$54,281	$13,691,590
8	93	$78,909	$24,531	$54,378	$13,637,212
8	94	$78,909	$24,433	$54,475	$13,582,737
8	95	$78,909	$24,336	$54,573	$13,528,164
8	96	$78,909	$24,238	$54,671	$13,473,493
9	97	$78,909	$24,140	$54,769	$13,418,725
9	98	$78,909	$24,042	$54,867	$13,363,858
9	99	$78,909	$23,944	$54,965	$13,308,893
9	100	$78,909	$23,845	$55,064	$13,253,829
9	101	$78,909	$23,746	$55,162	$13,198,667
9	102	$78,909	$23,648	$55,261	$13,143,406
9	103	$78,909	$23,549	$55,360	$13,088,046
9	104	$78,909	$23,449	$55,459	$13,032,587
9	105	$78,909	$23,350	$55,559	$12,977,028
9	106	$78,909	$23,251	$55,658	$12,921,370
9	107	$78,909	$23,151	$55,758	$12,865,612
9	108	$78,909	$23,051	$55,858	$12,809,754
10	109	$78,909	$22,951	$55,958	$12,753,796
10	110	$78,909	$22,851	$56,058	$12,697,738
10	111	$78,909	$22,750	$56,159	$12,641,580
10	112	$78,909	$22,649	$56,259	$12,585,320
10	113	$78,909	$22,549	$56,360	$12,528,960
10	114	$78,909	$22,448	$56,461	$12,472,499
10	115	$78,909	$22,347	$56,562	$12,415,937
10	116	$78,909	$22,245	$56,663	$12,359,274
10	117	$78,909	$22,144	$56,765	$12,302,509
10	118	$78,909	$22,042	$56,867	$12,245,642
10	119	$78,909	$21,940	$56,969	$12,188,674
10	120	$78,909	$21,838	$57,071	$12,131,603
11	121	$78,909	$21,736	$57,173	$12,074,430
11	122	$78,909	$21,633	$57,275	$12,017,155
11	123	$78,909	$21,531	$57,378	$11,959,777
11	124	$78,909	$21,428	$57,481	$11,902,296
11	125	$78,909	$21,325	$57,584	$11,844,713
11	126	$78,909	$21,222	$57,687	$11,787,026
11	127	$78,909	$21,118	$57,790	$11,729,235
11	128	$78,909	$21,015	$57,894	$11,671,342
11	129	$78,909	$20,911	$57,998	$11,613,344
11	130	$78,909	$20,807	$58,101	$11,555,243
11	131	$78,909	$20,703	$58,206	$11,497,037
11	132	$78,909	$20,599	$58,310	$11,438,727
12	133	$78,909	$20,494	$58,414	$11,380,313
12	134	$78,909	$20,390	$58,519	$11,321,794
12	135	$78,909	$20,285	$58,624	$11,263,170
12	136	$78,909	$20,180	$58,729	$11,204,441
12	137	$78,909	$20,075	$58,834	$11,145,607
12	138	$78,909	$19,969	$58,939	$11,086,668
12	139	$78,909	$19,864	$59,045	$11,027,623
12	140	$78,909	$19,758	$59,151	$10,968,472
12	141	$78,909	$19,652	$59,257	$10,909,215
12	142	$78,909	$19,546	$59,363	$10,849,852
12	143	$78,909	$19,439	$59,469	$10,790,383
12	144	$78,909	$19,333	$59,576	$10,730,807
13	145	$78,909	$19,226	$59,683	$10,671,124
13	146	$78,909	$19,119	$59,790	$10,611,335
13	147	$78,909	$19,012	$59,897	$10,551,438
13	148	$78,909	$18,905	$60,004	$10,491,434
13	149	$78,909	$18,797	$60,112	$10,431,323
13	150	$78,909	$18,689	$60,219	$10,371,103
13	151	$78,909	$18,582	$60,327	$10,310,776
13	152	$78,909	$18,473	$60,435	$10,250,341
13	153	$78,909	$18,365	$60,543	$10,189,798
13	154	$78,909	$18,257	$60,652	$10,129,146
13	155	$78,909	$18,148	$60,761	$10,068,385
13	156	$78,909	$18,039	$60,869	$10,007,516
14	157	$78,909	$17,930	$60,979	$9,946,537
14	158	$78,909	$17,821	$61,088	$9,885,449
14	159	$78,909	$17,711	$61,197	$9,824,252
14	160	$78,909	$17,602	$61,307	$9,762,945
14	161	$78,909	$17,492	$61,417	$9,701,528
14	162	$78,909	$17,382	$61,527	$9,640,002
14	163	$78,909	$17,272	$61,637	$9,578,365
14	164	$78,909	$17,161	$61,747	$9,516,617
14	165	$78,909	$17,051	$61,858	$9,454,759
14	166	$78,909	$16,940	$61,969	$9,392,790
14	167	$78,909	$16,829	$62,080	$9,330,710
14	168	$78,909	$16,718	$62,191	$9,268,519
15	169	$78,909	$16,606	$62,303	$9,206,217
15	170	$78,909	$16,494	$62,414	$9,143,802
15	171	$78,909	$16,383	$62,526	$9,081,276
15	172	$78,909	$16,271	$62,638	$9,018,638
15	173	$78,909	$16,158	$62,750	$8,955,888
15	174	$78,909	$16,046	$62,863	$8,893,025
15	175	$78,909	$15,933	$62,975	$8,830,050
15	176	$78,909	$15,821	$63,088	$8,766,962
15	177	$78,909	$15,707	$63,201	$8,703,761
15	178	$78,909	$15,594	$63,314	$8,640,446
15	179	$78,909	$15,481	$63,428	$8,577,018
15	180	$78,909	$15,367	$63,542	$8,513,477
16	181	$78,909	$15,253	$63,655	$8,449,822
16	182	$78,909	$15,139	$63,769	$8,386,052
16	183	$78,909	$15,025	$63,884	$8,322,168
16	184	$78,909	$14,911	$63,998	$8,258,170
16	185	$78,909	$14,796	$64,113	$8,194,058
16	186	$78,909	$14,681	$64,228	$8,129,830
16	187	$78,909	$14,566	$64,343	$8,065,487
16	188	$78,909	$14,451	$64,458	$8,001,029
16	189	$78,909	$14,335	$64,573	$7,936,456
16	190	$78,909	$14,219	$64,689	$7,871,767
16	191	$78,909	$14,104	$64,805	$7,806,961
16	192	$78,909	$13,987	$64,921	$7,742,040
17	193	$78,909	$13,871	$65,038	$7,677,003
17	194	$78,909	$13,755	$65,154	$7,611,849
17	195	$78,909	$13,638	$65,271	$7,546,578
17	196	$78,909	$13,521	$65,388	$7,481,190
17	197	$78,909	$13,404	$65,505	$7,415,685
17	198	$78,909	$13,286	$65,622	$7,350,063
17	199	$78,909	$13,169	$65,740	$7,284,323
17	200	$78,909	$13,051	$65,858	$7,218,466
17	201	$78,909	$12,933	$65,976	$7,152,490
17	202	$78,909	$12,815	$66,094	$7,086,396
17	203	$78,909	$12,696	$66,212	$7,020,184
17	204	$78,909	$12,578	$66,331	$6,953,853
18	205	$78,909	$12,459	$66,450	$6,887,404
18	206	$78,909	$12,340	$66,569	$6,820,835
18	207	$78,909	$12,221	$66,688	$6,754,147
18	208	$78,909	$12,101	$66,807	$6,687,339
18	209	$78,909	$11,981	$66,927	$6,620,412
18	210	$78,909	$11,862	$67,047	$6,553,365
18	211	$78,909	$11,741	$67,167	$6,486,198
18	212	$78,909	$11,621	$67,288	$6,418,910
18	213	$78,909	$11,501	$67,408	$6,351,502
18	214	$78,909	$11,380	$67,529	$6,283,973
18	215	$78,909	$11,259	$67,650	$6,216,323
18	216	$78,909	$11,138	$67,771	$6,148,552
19	217	$78,909	$11,016	$67,893	$6,080,660
19	218	$78,909	$10,895	$68,014	$6,012,646
19	219	$78,909	$10,773	$68,136	$5,944,510
19	220	$78,909	$10,651	$68,258	$5,876,252
19	221	$78,909	$10,528	$68,380	$5,807,871
19	222	$78,909	$10,406	$68,503	$5,739,368
19	223	$78,909	$10,283	$68,626	$5,670,743
19	224	$78,909	$10,160	$68,749	$5,601,994
19	225	$78,909	$10,037	$68,872	$5,533,122
19	226	$78,909	$9,914	$68,995	$5,464,127
19	227	$78,909	$9,790	$69,119	$5,395,008
19	228	$78,909	$9,666	$69,243	$5,325,766
20	229	$78,909	$9,542	$69,367	$5,256,399
20	230	$78,909	$9,418	$69,491	$5,186,908
20	231	$78,909	$9,293	$69,615	$5,117,293
20	232	$78,909	$9,168	$69,740	$5,047,552
20	233	$78,909	$9,044	$69,865	$4,977,687
20	234	$78,909	$8,918	$69,990	$4,907,697
20	235	$78,909	$8,793	$70,116	$4,837,581
20	236	$78,909	$8,667	$70,241	$4,767,340
20	237	$78,909	$8,541	$70,367	$4,696,973
20	238	$78,909	$8,415	$70,493	$4,626,480
20	239	$78,909	$8,289	$70,620	$4,555,860
20	240	$78,909	$8,163	$70,746	$4,485,114
21	241	$78,909	$8,036	$70,873	$4,414,241
21	242	$78,909	$7,909	$71,000	$4,343,241
21	243	$78,909	$7,782	$71,127	$4,272,114
21	244	$78,909	$7,654	$71,254	$4,200,860
21	245	$78,909	$7,527	$71,382	$4,129,478
21	246	$78,909	$7,399	$71,510	$4,057,968
21	247	$78,909	$7,271	$71,638	$3,986,329
21	248	$78,909	$7,142	$71,766	$3,914,563
21	249	$78,909	$7,014	$71,895	$3,842,668
21	250	$78,909	$6,885	$72,024	$3,770,644
21	251	$78,909	$6,756	$72,153	$3,698,491
21	252	$78,909	$6,626	$72,282	$3,626,209
22	253	$78,909	$6,497	$72,412	$3,553,797
22	254	$78,909	$6,367	$72,541	$3,481,256
22	255	$78,909	$6,237	$72,671	$3,408,584
22	256	$78,909	$6,107	$72,802	$3,335,783
22	257	$78,909	$5,977	$72,932	$3,262,851
22	258	$78,909	$5,846	$73,063	$3,189,788
22	259	$78,909	$5,715	$73,194	$3,116,594
22	260	$78,909	$5,584	$73,325	$3,043,270
22	261	$78,909	$5,453	$73,456	$2,969,813
22	262	$78,909	$5,321	$73,588	$2,896,226
22	263	$78,909	$5,189	$73,720	$2,822,506
22	264	$78,909	$5,057	$73,852	$2,748,654
23	265	$78,909	$4,925	$73,984	$2,674,670
23	266	$78,909	$4,792	$74,117	$2,600,554
23	267	$78,909	$4,659	$74,249	$2,526,304
23	268	$78,909	$4,526	$74,382	$2,451,922
23	269	$78,909	$4,393	$74,516	$2,377,406
23	270	$78,909	$4,260	$74,649	$2,302,757
23	271	$78,909	$4,126	$74,783	$2,227,974
23	272	$78,909	$3,992	$74,917	$2,153,058
23	273	$78,909	$3,858	$75,051	$2,078,006
23	274	$78,909	$3,723	$75,186	$2,002,821
23	275	$78,909	$3,588	$75,320	$1,927,501
23	276	$78,909	$3,453	$75,455	$1,852,045
24	277	$78,909	$3,318	$75,590	$1,776,455
24	278	$78,909	$3,183	$75,726	$1,700,729
24	279	$78,909	$3,047	$75,862	$1,624,868
24	280	$78,909	$2,911	$75,997	$1,548,870
24	281	$78,909	$2,775	$76,134	$1,472,736
24	282	$78,909	$2,639	$76,270	$1,396,466
24	283	$78,909	$2,502	$76,407	$1,320,060
24	284	$78,909	$2,365	$76,544	$1,243,516
24	285	$78,909	$2,228	$76,681	$1,166,836
24	286	$78,909	$2,091	$76,818	$1,090,017
24	287	$78,909	$1,953	$76,956	$1,013,062
24	288	$78,909	$1,815	$77,094	$935,968
25	289	$78,909	$1,677	$77,232	$858,736
25	290	$78,909	$1,539	$77,370	$781,366
25	291	$78,909	$1,400	$77,509	$703,858
25	292	$78,909	$1,261	$77,648	$626,210
25	293	$78,909	$1,122	$77,787	$548,423
25	294	$78,909	$983	$77,926	$470,497
25	295	$78,909	$843	$78,066	$392,432
25	296	$78,909	$703	$78,206	$314,226
25	297	$78,909	$563	$78,346	$235,880
25	298	$78,909	$423	$78,486	$157,394
25	299	$78,909	$282	$78,627	$78,768
25	300	$78,909	$141	$78,768	$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$ 12,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 12,505,000

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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.