Century 21 Centaland Property

Down Payment (HKD)

$38,000,000

Monthly Repayment (HKD)

$245,781

Loan Amount (HKD)

$57,000,000

Total Interest (HKD)

$16,734,329

Total Repayment (HKD)

$73,734,329

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$245,781	$102,125	$143,656	$56,856,344
1	2	$245,781	$101,868	$143,913	$56,712,430
1	3	$245,781	$101,610	$144,171	$56,568,259
1	4	$245,781	$101,351	$144,430	$56,423,829
1	5	$245,781	$101,093	$144,688	$56,279,141
1	6	$245,781	$100,833	$144,948	$56,134,193
1	7	$245,781	$100,574	$145,207	$55,988,986
1	8	$245,781	$100,314	$145,467	$55,843,519
1	9	$245,781	$100,053	$145,728	$55,697,790
1	10	$245,781	$99,792	$145,989	$55,551,801
1	11	$245,781	$99,530	$146,251	$55,405,550
1	12	$245,781	$99,268	$146,513	$55,259,038
2	13	$245,781	$99,006	$146,775	$55,112,262
2	14	$245,781	$98,743	$147,038	$54,965,224
2	15	$245,781	$98,479	$147,302	$54,817,922
2	16	$245,781	$98,215	$147,566	$54,670,357
2	17	$245,781	$97,951	$147,830	$54,522,527
2	18	$245,781	$97,686	$148,095	$54,374,432
2	19	$245,781	$97,421	$148,360	$54,226,071
2	20	$245,781	$97,155	$148,626	$54,077,445
2	21	$245,781	$96,889	$148,892	$53,928,553
2	22	$245,781	$96,622	$149,159	$53,779,394
2	23	$245,781	$96,355	$149,426	$53,629,968
2	24	$245,781	$96,087	$149,694	$53,480,274
3	25	$245,781	$95,819	$149,962	$53,330,311
3	26	$245,781	$95,550	$150,231	$53,180,080
3	27	$245,781	$95,281	$150,500	$53,029,580
3	28	$245,781	$95,011	$150,770	$52,878,810
3	29	$245,781	$94,741	$151,040	$52,727,771
3	30	$245,781	$94,471	$151,311	$52,576,460
3	31	$245,781	$94,199	$151,582	$52,424,878
3	32	$245,781	$93,928	$151,853	$52,273,025
3	33	$245,781	$93,656	$152,125	$52,120,900
3	34	$245,781	$93,383	$152,398	$51,968,502
3	35	$245,781	$93,110	$152,671	$51,815,831
3	36	$245,781	$92,837	$152,944	$51,662,887
4	37	$245,781	$92,563	$153,218	$51,509,668
4	38	$245,781	$92,288	$153,493	$51,356,176
4	39	$245,781	$92,013	$153,768	$51,202,408
4	40	$245,781	$91,738	$154,043	$51,048,364
4	41	$245,781	$91,462	$154,319	$50,894,045
4	42	$245,781	$91,185	$154,596	$50,739,449
4	43	$245,781	$90,908	$154,873	$50,584,576
4	44	$245,781	$90,631	$155,150	$50,429,425
4	45	$245,781	$90,353	$155,428	$50,273,997
4	46	$245,781	$90,074	$155,707	$50,118,290
4	47	$245,781	$89,795	$155,986	$49,962,304
4	48	$245,781	$89,516	$156,265	$49,806,039
5	49	$245,781	$89,236	$156,545	$49,649,494
5	50	$245,781	$88,955	$156,826	$49,492,668
5	51	$245,781	$88,674	$157,107	$49,335,561
5	52	$245,781	$88,393	$157,388	$49,178,173
5	53	$245,781	$88,111	$157,670	$49,020,503
5	54	$245,781	$87,828	$157,953	$48,862,550
5	55	$245,781	$87,545	$158,236	$48,704,315
5	56	$245,781	$87,262	$158,519	$48,545,795
5	57	$245,781	$86,978	$158,803	$48,386,992
5	58	$245,781	$86,693	$159,088	$48,227,904
5	59	$245,781	$86,408	$159,373	$48,068,532
5	60	$245,781	$86,123	$159,658	$47,908,873
6	61	$245,781	$85,837	$159,944	$47,748,929
6	62	$245,781	$85,550	$160,231	$47,588,698
6	63	$245,781	$85,263	$160,518	$47,428,180
6	64	$245,781	$84,975	$160,806	$47,267,374
6	65	$245,781	$84,687	$161,094	$47,106,281
6	66	$245,781	$84,399	$161,382	$46,944,898
6	67	$245,781	$84,110	$161,671	$46,783,227
6	68	$245,781	$83,820	$161,961	$46,621,266
6	69	$245,781	$83,530	$162,251	$46,459,014
6	70	$245,781	$83,239	$162,542	$46,296,472
6	71	$245,781	$82,948	$162,833	$46,133,639
6	72	$245,781	$82,656	$163,125	$45,970,514
7	73	$245,781	$82,364	$163,417	$45,807,097
7	74	$245,781	$82,071	$163,710	$45,643,387
7	75	$245,781	$81,778	$164,003	$45,479,383
7	76	$245,781	$81,484	$164,297	$45,315,086
7	77	$245,781	$81,190	$164,592	$45,150,495
7	78	$245,781	$80,895	$164,886	$44,985,608
7	79	$245,781	$80,599	$165,182	$44,820,426
7	80	$245,781	$80,303	$165,478	$44,654,948
7	81	$245,781	$80,007	$165,774	$44,489,174
7	82	$245,781	$79,710	$166,071	$44,323,103
7	83	$245,781	$79,412	$166,369	$44,156,734
7	84	$245,781	$79,114	$166,667	$43,990,067
8	85	$245,781	$78,816	$166,966	$43,823,101
8	86	$245,781	$78,516	$167,265	$43,655,837
8	87	$245,781	$78,217	$167,564	$43,488,272
8	88	$245,781	$77,916	$167,865	$43,320,408
8	89	$245,781	$77,616	$168,165	$43,152,242
8	90	$245,781	$77,314	$168,467	$42,983,776
8	91	$245,781	$77,013	$168,768	$42,815,007
8	92	$245,781	$76,710	$169,071	$42,645,936
8	93	$245,781	$76,407	$169,374	$42,476,563
8	94	$245,781	$76,104	$169,677	$42,306,885
8	95	$245,781	$75,800	$169,981	$42,136,904
8	96	$245,781	$75,495	$170,286	$41,966,618
9	97	$245,781	$75,190	$170,591	$41,796,027
9	98	$245,781	$74,885	$170,897	$41,625,131
9	99	$245,781	$74,578	$171,203	$41,453,928
9	100	$245,781	$74,272	$171,509	$41,282,419
9	101	$245,781	$73,964	$171,817	$41,110,602
9	102	$245,781	$73,656	$172,125	$40,938,477
9	103	$245,781	$73,348	$172,433	$40,766,044
9	104	$245,781	$73,039	$172,742	$40,593,302
9	105	$245,781	$72,730	$173,051	$40,420,251
9	106	$245,781	$72,420	$173,361	$40,246,889
9	107	$245,781	$72,109	$173,672	$40,073,217
9	108	$245,781	$71,798	$173,983	$39,899,234
10	109	$245,781	$71,486	$174,295	$39,724,939
10	110	$245,781	$71,174	$174,607	$39,550,332
10	111	$245,781	$70,861	$174,920	$39,375,412
10	112	$245,781	$70,548	$175,233	$39,200,178
10	113	$245,781	$70,234	$175,547	$39,024,631
10	114	$245,781	$69,919	$175,862	$38,848,769
10	115	$245,781	$69,604	$176,177	$38,672,592
10	116	$245,781	$69,288	$176,493	$38,496,099
10	117	$245,781	$68,972	$176,809	$38,319,290
10	118	$245,781	$68,655	$177,126	$38,142,164
10	119	$245,781	$68,338	$177,443	$37,964,721
10	120	$245,781	$68,020	$177,761	$37,786,960
11	121	$245,781	$67,702	$178,079	$37,608,881
11	122	$245,781	$67,383	$178,399	$37,430,482
11	123	$245,781	$67,063	$178,718	$37,251,764
11	124	$245,781	$66,743	$179,038	$37,072,726
11	125	$245,781	$66,422	$179,359	$36,893,367
11	126	$245,781	$66,101	$179,680	$36,713,686
11	127	$245,781	$65,779	$180,002	$36,533,684
11	128	$245,781	$65,456	$180,325	$36,353,359
11	129	$245,781	$65,133	$180,648	$36,172,711
11	130	$245,781	$64,809	$180,972	$35,991,739
11	131	$245,781	$64,485	$181,296	$35,810,443
11	132	$245,781	$64,160	$181,621	$35,628,823
12	133	$245,781	$63,835	$181,946	$35,446,877
12	134	$245,781	$63,509	$182,272	$35,264,605
12	135	$245,781	$63,182	$182,599	$35,082,006
12	136	$245,781	$62,855	$182,926	$34,899,080
12	137	$245,781	$62,528	$183,254	$34,715,826
12	138	$245,781	$62,199	$183,582	$34,532,245
12	139	$245,781	$61,870	$183,911	$34,348,334
12	140	$245,781	$61,541	$184,240	$34,164,093
12	141	$245,781	$61,211	$184,570	$33,979,523
12	142	$245,781	$60,880	$184,901	$33,794,622
12	143	$245,781	$60,549	$185,232	$33,609,389
12	144	$245,781	$60,217	$185,564	$33,423,825
13	145	$245,781	$59,884	$185,897	$33,237,928
13	146	$245,781	$59,551	$186,230	$33,051,699
13	147	$245,781	$59,218	$186,563	$32,865,135
13	148	$245,781	$58,883	$186,898	$32,678,237
13	149	$245,781	$58,549	$187,233	$32,491,005
13	150	$245,781	$58,213	$187,568	$32,303,437
13	151	$245,781	$57,877	$187,904	$32,115,533
13	152	$245,781	$57,540	$188,241	$31,927,292
13	153	$245,781	$57,203	$188,578	$31,738,714
13	154	$245,781	$56,865	$188,916	$31,549,798
13	155	$245,781	$56,527	$189,254	$31,360,544
13	156	$245,781	$56,188	$189,593	$31,170,950
14	157	$245,781	$55,848	$189,933	$30,981,017
14	158	$245,781	$55,508	$190,273	$30,790,744
14	159	$245,781	$55,167	$190,614	$30,600,129
14	160	$245,781	$54,825	$190,956	$30,409,173
14	161	$245,781	$54,483	$191,298	$30,217,875
14	162	$245,781	$54,140	$191,641	$30,026,235
14	163	$245,781	$53,797	$191,984	$29,834,251
14	164	$245,781	$53,453	$192,328	$29,641,922
14	165	$245,781	$53,108	$192,673	$29,449,250
14	166	$245,781	$52,763	$193,018	$29,256,232
14	167	$245,781	$52,417	$193,364	$29,062,868
14	168	$245,781	$52,071	$193,710	$28,869,158
15	169	$245,781	$51,724	$194,057	$28,675,101
15	170	$245,781	$51,376	$194,405	$28,480,696
15	171	$245,781	$51,028	$194,753	$28,285,943
15	172	$245,781	$50,679	$195,102	$28,090,841
15	173	$245,781	$50,329	$195,452	$27,895,389
15	174	$245,781	$49,979	$195,802	$27,699,587
15	175	$245,781	$49,628	$196,153	$27,503,435
15	176	$245,781	$49,277	$196,504	$27,306,930
15	177	$245,781	$48,925	$196,856	$27,110,074
15	178	$245,781	$48,572	$197,209	$26,912,865
15	179	$245,781	$48,219	$197,562	$26,715,303
15	180	$245,781	$47,865	$197,916	$26,517,387
16	181	$245,781	$47,510	$198,271	$26,319,116
16	182	$245,781	$47,155	$198,626	$26,120,490
16	183	$245,781	$46,799	$198,982	$25,921,508
16	184	$245,781	$46,443	$199,338	$25,722,170
16	185	$245,781	$46,086	$199,696	$25,522,474
16	186	$245,781	$45,728	$200,053	$25,322,421
16	187	$245,781	$45,369	$200,412	$25,122,009
16	188	$245,781	$45,010	$200,771	$24,921,238
16	189	$245,781	$44,651	$201,131	$24,720,108
16	190	$245,781	$44,290	$201,491	$24,518,617
16	191	$245,781	$43,929	$201,852	$24,316,765
16	192	$245,781	$43,568	$202,214	$24,114,552
17	193	$245,781	$43,205	$202,576	$23,911,976
17	194	$245,781	$42,842	$202,939	$23,709,037
17	195	$245,781	$42,479	$203,302	$23,505,734
17	196	$245,781	$42,114	$203,667	$23,302,068
17	197	$245,781	$41,750	$204,032	$23,098,036
17	198	$245,781	$41,384	$204,397	$22,893,639
17	199	$245,781	$41,018	$204,763	$22,688,876
17	200	$245,781	$40,651	$205,130	$22,483,746
17	201	$245,781	$40,283	$205,498	$22,278,248
17	202	$245,781	$39,915	$205,866	$22,072,382
17	203	$245,781	$39,546	$206,235	$21,866,147
17	204	$245,781	$39,177	$206,604	$21,659,543
18	205	$245,781	$38,807	$206,974	$21,452,569
18	206	$245,781	$38,436	$207,345	$21,245,223
18	207	$245,781	$38,064	$207,717	$21,037,507
18	208	$245,781	$37,692	$208,089	$20,829,418
18	209	$245,781	$37,319	$208,462	$20,620,956
18	210	$245,781	$36,946	$208,835	$20,412,121
18	211	$245,781	$36,572	$209,209	$20,202,911
18	212	$245,781	$36,197	$209,584	$19,993,327
18	213	$245,781	$35,821	$209,960	$19,783,367
18	214	$245,781	$35,445	$210,336	$19,573,032
18	215	$245,781	$35,068	$210,713	$19,362,319
18	216	$245,781	$34,691	$211,090	$19,151,229
19	217	$245,781	$34,313	$211,468	$18,939,760
19	218	$245,781	$33,934	$211,847	$18,727,913
19	219	$245,781	$33,554	$212,227	$18,515,686
19	220	$245,781	$33,174	$212,607	$18,303,079
19	221	$245,781	$32,793	$212,988	$18,090,091
19	222	$245,781	$32,411	$213,370	$17,876,721
19	223	$245,781	$32,029	$213,752	$17,662,969
19	224	$245,781	$31,646	$214,135	$17,448,834
19	225	$245,781	$31,262	$214,519	$17,234,315
19	226	$245,781	$30,878	$214,903	$17,019,412
19	227	$245,781	$30,493	$215,288	$16,804,124
19	228	$245,781	$30,107	$215,674	$16,588,451
20	229	$245,781	$29,721	$216,060	$16,372,391
20	230	$245,781	$29,334	$216,447	$16,155,943
20	231	$245,781	$28,946	$216,835	$15,939,108
20	232	$245,781	$28,558	$217,224	$15,721,885
20	233	$245,781	$28,168	$217,613	$15,504,272
20	234	$245,781	$27,778	$218,003	$15,286,269
20	235	$245,781	$27,388	$218,393	$15,067,876
20	236	$245,781	$26,997	$218,784	$14,849,092
20	237	$245,781	$26,605	$219,176	$14,629,915
20	238	$245,781	$26,212	$219,569	$14,410,346
20	239	$245,781	$25,819	$219,963	$14,190,384
20	240	$245,781	$25,424	$220,357	$13,970,027
21	241	$245,781	$25,030	$220,751	$13,749,275
21	242	$245,781	$24,634	$221,147	$13,528,129
21	243	$245,781	$24,238	$221,543	$13,306,585
21	244	$245,781	$23,841	$221,940	$13,084,645
21	245	$245,781	$23,443	$222,338	$12,862,307
21	246	$245,781	$23,045	$222,736	$12,639,571
21	247	$245,781	$22,646	$223,135	$12,416,436
21	248	$245,781	$22,246	$223,535	$12,192,901
21	249	$245,781	$21,846	$223,935	$11,968,966
21	250	$245,781	$21,444	$224,337	$11,744,629
21	251	$245,781	$21,042	$224,739	$11,519,890
21	252	$245,781	$20,640	$225,141	$11,294,749
22	253	$245,781	$20,236	$225,545	$11,069,204
22	254	$245,781	$19,832	$225,949	$10,843,256
22	255	$245,781	$19,427	$226,354	$10,616,902
22	256	$245,781	$19,022	$226,759	$10,390,143
22	257	$245,781	$18,616	$227,165	$10,162,977
22	258	$245,781	$18,209	$227,572	$9,935,405
22	259	$245,781	$17,801	$227,980	$9,707,425
22	260	$245,781	$17,392	$228,389	$9,479,036
22	261	$245,781	$16,983	$228,798	$9,250,238
22	262	$245,781	$16,573	$229,208	$9,021,031
22	263	$245,781	$16,163	$229,618	$8,791,412
22	264	$245,781	$15,751	$230,030	$8,561,382
23	265	$245,781	$15,339	$230,442	$8,330,940
23	266	$245,781	$14,926	$230,855	$8,100,086
23	267	$245,781	$14,513	$231,268	$7,868,817
23	268	$245,781	$14,098	$231,683	$7,637,134
23	269	$245,781	$13,683	$232,098	$7,405,036
23	270	$245,781	$13,267	$232,514	$7,172,523
23	271	$245,781	$12,851	$232,930	$6,939,592
23	272	$245,781	$12,433	$233,348	$6,706,245
23	273	$245,781	$12,015	$233,766	$6,472,479
23	274	$245,781	$11,597	$234,185	$6,238,294
23	275	$245,781	$11,177	$234,604	$6,003,690
23	276	$245,781	$10,757	$235,024	$5,768,666
24	277	$245,781	$10,336	$235,446	$5,533,220
24	278	$245,781	$9,914	$235,867	$5,297,353
24	279	$245,781	$9,491	$236,290	$5,061,063
24	280	$245,781	$9,068	$236,713	$4,824,349
24	281	$245,781	$8,644	$237,137	$4,587,212
24	282	$245,781	$8,219	$237,562	$4,349,650
24	283	$245,781	$7,793	$237,988	$4,111,662
24	284	$245,781	$7,367	$238,414	$3,873,247
24	285	$245,781	$6,940	$238,842	$3,634,406
24	286	$245,781	$6,512	$239,269	$3,395,136
24	287	$245,781	$6,083	$239,698	$3,155,438
24	288	$245,781	$5,653	$240,128	$2,915,311
25	289	$245,781	$5,223	$240,558	$2,674,753
25	290	$245,781	$4,792	$240,989	$2,433,764
25	291	$245,781	$4,360	$241,421	$2,192,343
25	292	$245,781	$3,928	$241,853	$1,950,490
25	293	$245,781	$3,495	$242,286	$1,708,204
25	294	$245,781	$3,061	$242,721	$1,465,483
25	295	$245,781	$2,626	$243,155	$1,222,328
25	296	$245,781	$2,190	$243,591	$978,737
25	297	$245,781	$1,754	$244,028	$734,709
25	298	$245,781	$1,316	$244,465	$490,244
25	299	$245,781	$878	$244,903	$245,342
25	300	$245,781	$440	$245,342	$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$ 38,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 38,950,000

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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.