Century 21 Centaland Property

Down Payment (HKD)

$11,200,000

Monthly Repayment (HKD)

$72,441

Loan Amount (HKD)

$16,800,000

Total Interest (HKD)

$4,932,223

Total Repayment (HKD)

$21,732,223

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$72,441	$30,100	$42,341	$16,757,659
1	2	$72,441	$30,024	$42,417	$16,715,243
1	3	$72,441	$29,948	$42,493	$16,672,750
1	4	$72,441	$29,872	$42,569	$16,630,181
1	5	$72,441	$29,796	$42,645	$16,587,536
1	6	$72,441	$29,719	$42,721	$16,544,815
1	7	$72,441	$29,643	$42,798	$16,502,017
1	8	$72,441	$29,566	$42,875	$16,459,142
1	9	$72,441	$29,489	$42,951	$16,416,191
1	10	$72,441	$29,412	$43,028	$16,373,162
1	11	$72,441	$29,335	$43,105	$16,330,057
1	12	$72,441	$29,258	$43,183	$16,286,874
2	13	$72,441	$29,181	$43,260	$16,243,614
2	14	$72,441	$29,103	$43,338	$16,200,277
2	15	$72,441	$29,025	$43,415	$16,156,861
2	16	$72,441	$28,948	$43,493	$16,113,368
2	17	$72,441	$28,870	$43,571	$16,069,797
2	18	$72,441	$28,792	$43,649	$16,026,148
2	19	$72,441	$28,714	$43,727	$15,982,421
2	20	$72,441	$28,635	$43,806	$15,938,615
2	21	$72,441	$28,557	$43,884	$15,894,731
2	22	$72,441	$28,478	$43,963	$15,850,769
2	23	$72,441	$28,399	$44,041	$15,806,727
2	24	$72,441	$28,320	$44,120	$15,762,607
3	25	$72,441	$28,241	$44,199	$15,718,408
3	26	$72,441	$28,162	$44,279	$15,674,129
3	27	$72,441	$28,083	$44,358	$15,629,771
3	28	$72,441	$28,003	$44,437	$15,585,334
3	29	$72,441	$27,924	$44,517	$15,540,817
3	30	$72,441	$27,844	$44,597	$15,496,220
3	31	$72,441	$27,764	$44,677	$15,451,543
3	32	$72,441	$27,684	$44,757	$15,406,786
3	33	$72,441	$27,604	$44,837	$15,361,949
3	34	$72,441	$27,523	$44,917	$15,317,032
3	35	$72,441	$27,443	$44,998	$15,272,034
3	36	$72,441	$27,362	$45,078	$15,226,956
4	37	$72,441	$27,282	$45,159	$15,181,797
4	38	$72,441	$27,201	$45,240	$15,136,557
4	39	$72,441	$27,120	$45,321	$15,091,236
4	40	$72,441	$27,038	$45,402	$15,045,834
4	41	$72,441	$26,957	$45,484	$15,000,350
4	42	$72,441	$26,876	$45,565	$14,954,785
4	43	$72,441	$26,794	$45,647	$14,909,138
4	44	$72,441	$26,712	$45,729	$14,863,410
4	45	$72,441	$26,630	$45,810	$14,817,599
4	46	$72,441	$26,548	$45,893	$14,771,707
4	47	$72,441	$26,466	$45,975	$14,725,732
4	48	$72,441	$26,384	$46,057	$14,679,675
5	49	$72,441	$26,301	$46,140	$14,633,535
5	50	$72,441	$26,218	$46,222	$14,587,313
5	51	$72,441	$26,136	$46,305	$14,541,008
5	52	$72,441	$26,053	$46,388	$14,494,619
5	53	$72,441	$25,970	$46,471	$14,448,148
5	54	$72,441	$25,886	$46,554	$14,401,594
5	55	$72,441	$25,803	$46,638	$14,354,956
5	56	$72,441	$25,719	$46,721	$14,308,234
5	57	$72,441	$25,636	$46,805	$14,261,429
5	58	$72,441	$25,552	$46,889	$14,214,540
5	59	$72,441	$25,468	$46,973	$14,167,567
5	60	$72,441	$25,384	$47,057	$14,120,510
6	61	$72,441	$25,299	$47,141	$14,073,369
6	62	$72,441	$25,215	$47,226	$14,026,143
6	63	$72,441	$25,130	$47,311	$13,978,832
6	64	$72,441	$25,045	$47,395	$13,931,437
6	65	$72,441	$24,960	$47,480	$13,883,956
6	66	$72,441	$24,875	$47,565	$13,836,391
6	67	$72,441	$24,790	$47,651	$13,788,741
6	68	$72,441	$24,705	$47,736	$13,741,005
6	69	$72,441	$24,619	$47,821	$13,693,183
6	70	$72,441	$24,534	$47,907	$13,645,276
6	71	$72,441	$24,448	$47,993	$13,597,283
6	72	$72,441	$24,362	$48,079	$13,549,204
7	73	$72,441	$24,276	$48,165	$13,501,039
7	74	$72,441	$24,189	$48,251	$13,452,788
7	75	$72,441	$24,103	$48,338	$13,404,450
7	76	$72,441	$24,016	$48,424	$13,356,025
7	77	$72,441	$23,930	$48,511	$13,307,514
7	78	$72,441	$23,843	$48,598	$13,258,916
7	79	$72,441	$23,756	$48,685	$13,210,231
7	80	$72,441	$23,668	$48,772	$13,161,458
7	81	$72,441	$23,581	$48,860	$13,112,599
7	82	$72,441	$23,493	$48,947	$13,063,651
7	83	$72,441	$23,406	$49,035	$13,014,616
7	84	$72,441	$23,318	$49,123	$12,965,493
8	85	$72,441	$23,230	$49,211	$12,916,283
8	86	$72,441	$23,142	$49,299	$12,866,983
8	87	$72,441	$23,053	$49,387	$12,817,596
8	88	$72,441	$22,965	$49,476	$12,768,120
8	89	$72,441	$22,876	$49,565	$12,718,556
8	90	$72,441	$22,787	$49,653	$12,668,902
8	91	$72,441	$22,698	$49,742	$12,619,160
8	92	$72,441	$22,609	$49,831	$12,569,329
8	93	$72,441	$22,520	$49,921	$12,519,408
8	94	$72,441	$22,431	$50,010	$12,469,398
8	95	$72,441	$22,341	$50,100	$12,419,298
8	96	$72,441	$22,251	$50,190	$12,369,109
9	97	$72,441	$22,161	$50,279	$12,318,829
9	98	$72,441	$22,071	$50,370	$12,268,460
9	99	$72,441	$21,981	$50,460	$12,218,000
9	100	$72,441	$21,891	$50,550	$12,167,450
9	101	$72,441	$21,800	$50,641	$12,116,809
9	102	$72,441	$21,709	$50,731	$12,066,077
9	103	$72,441	$21,618	$50,822	$12,015,255
9	104	$72,441	$21,527	$50,913	$11,964,342
9	105	$72,441	$21,436	$51,005	$11,913,337
9	106	$72,441	$21,345	$51,096	$11,862,241
9	107	$72,441	$21,253	$51,188	$11,811,054
9	108	$72,441	$21,161	$51,279	$11,759,774
10	109	$72,441	$21,070	$51,371	$11,708,403
10	110	$72,441	$20,978	$51,463	$11,656,940
10	111	$72,441	$20,885	$51,555	$11,605,385
10	112	$72,441	$20,793	$51,648	$11,553,737
10	113	$72,441	$20,700	$51,740	$11,501,996
10	114	$72,441	$20,608	$51,833	$11,450,163
10	115	$72,441	$20,515	$51,926	$11,398,238
10	116	$72,441	$20,422	$52,019	$11,346,219
10	117	$72,441	$20,329	$52,112	$11,294,107
10	118	$72,441	$20,235	$52,205	$11,241,901
10	119	$72,441	$20,142	$52,299	$11,189,602
10	120	$72,441	$20,048	$52,393	$11,137,209
11	121	$72,441	$19,954	$52,487	$11,084,723
11	122	$72,441	$19,860	$52,581	$11,032,142
11	123	$72,441	$19,766	$52,675	$10,979,467
11	124	$72,441	$19,672	$52,769	$10,926,698
11	125	$72,441	$19,577	$52,864	$10,873,834
11	126	$72,441	$19,482	$52,958	$10,820,876
11	127	$72,441	$19,387	$53,053	$10,767,823
11	128	$72,441	$19,292	$53,148	$10,714,674
11	129	$72,441	$19,197	$53,244	$10,661,431
11	130	$72,441	$19,102	$53,339	$10,608,092
11	131	$72,441	$19,006	$53,435	$10,554,657
11	132	$72,441	$18,910	$53,530	$10,501,127
12	133	$72,441	$18,815	$53,626	$10,447,500
12	134	$72,441	$18,718	$53,722	$10,393,778
12	135	$72,441	$18,622	$53,819	$10,339,960
12	136	$72,441	$18,526	$53,915	$10,286,045
12	137	$72,441	$18,429	$54,012	$10,232,033
12	138	$72,441	$18,332	$54,108	$10,177,925
12	139	$72,441	$18,235	$54,205	$10,123,719
12	140	$72,441	$18,138	$54,302	$10,069,417
12	141	$72,441	$18,041	$54,400	$10,015,017
12	142	$72,441	$17,944	$54,497	$9,960,520
12	143	$72,441	$17,846	$54,595	$9,905,925
12	144	$72,441	$17,748	$54,693	$9,851,233
13	145	$72,441	$17,650	$54,791	$9,796,442
13	146	$72,441	$17,552	$54,889	$9,741,553
13	147	$72,441	$17,454	$54,987	$9,686,566
13	148	$72,441	$17,355	$55,086	$9,631,480
13	149	$72,441	$17,256	$55,184	$9,576,296
13	150	$72,441	$17,158	$55,283	$9,521,013
13	151	$72,441	$17,058	$55,382	$9,465,631
13	152	$72,441	$16,959	$55,481	$9,410,149
13	153	$72,441	$16,860	$55,581	$9,354,568
13	154	$72,441	$16,760	$55,680	$9,298,888
13	155	$72,441	$16,661	$55,780	$9,243,108
13	156	$72,441	$16,561	$55,880	$9,187,227
14	157	$72,441	$16,460	$55,980	$9,131,247
14	158	$72,441	$16,360	$56,081	$9,075,167
14	159	$72,441	$16,260	$56,181	$9,018,985
14	160	$72,441	$16,159	$56,282	$8,962,704
14	161	$72,441	$16,058	$56,383	$8,906,321
14	162	$72,441	$15,957	$56,484	$8,849,838
14	163	$72,441	$15,856	$56,585	$8,793,253
14	164	$72,441	$15,755	$56,686	$8,736,567
14	165	$72,441	$15,653	$56,788	$8,679,779
14	166	$72,441	$15,551	$56,889	$8,622,889
14	167	$72,441	$15,449	$56,991	$8,565,898
14	168	$72,441	$15,347	$57,094	$8,508,805
15	169	$72,441	$15,245	$57,196	$8,451,609
15	170	$72,441	$15,142	$57,298	$8,394,310
15	171	$72,441	$15,040	$57,401	$8,336,909
15	172	$72,441	$14,937	$57,504	$8,279,406
15	173	$72,441	$14,834	$57,607	$8,221,799
15	174	$72,441	$14,731	$57,710	$8,164,089
15	175	$72,441	$14,627	$57,813	$8,106,275
15	176	$72,441	$14,524	$57,917	$8,048,358
15	177	$72,441	$14,420	$58,021	$7,990,338
15	178	$72,441	$14,316	$58,125	$7,932,213
15	179	$72,441	$14,212	$58,229	$7,873,984
15	180	$72,441	$14,108	$58,333	$7,815,651
16	181	$72,441	$14,003	$58,438	$7,757,213
16	182	$72,441	$13,898	$58,542	$7,698,671
16	183	$72,441	$13,793	$58,647	$7,640,024
16	184	$72,441	$13,688	$58,752	$7,581,271
16	185	$72,441	$13,583	$58,858	$7,522,414
16	186	$72,441	$13,478	$58,963	$7,463,450
16	187	$72,441	$13,372	$59,069	$7,404,382
16	188	$72,441	$13,266	$59,175	$7,345,207
16	189	$72,441	$13,160	$59,281	$7,285,927
16	190	$72,441	$13,054	$59,387	$7,226,540
16	191	$72,441	$12,948	$59,493	$7,167,047
16	192	$72,441	$12,841	$59,600	$7,107,447
17	193	$72,441	$12,734	$59,707	$7,047,740
17	194	$72,441	$12,627	$59,814	$6,987,927
17	195	$72,441	$12,520	$59,921	$6,928,006
17	196	$72,441	$12,413	$60,028	$6,867,978
17	197	$72,441	$12,305	$60,136	$6,807,842
17	198	$72,441	$12,197	$60,243	$6,747,599
17	199	$72,441	$12,089	$60,351	$6,687,248
17	200	$72,441	$11,981	$60,459	$6,626,788
17	201	$72,441	$11,873	$60,568	$6,566,220
17	202	$72,441	$11,764	$60,676	$6,505,544
17	203	$72,441	$11,656	$60,785	$6,444,759
17	204	$72,441	$11,547	$60,894	$6,383,865
18	205	$72,441	$11,438	$61,003	$6,322,862
18	206	$72,441	$11,328	$61,112	$6,261,750
18	207	$72,441	$11,219	$61,222	$6,200,528
18	208	$72,441	$11,109	$61,331	$6,139,197
18	209	$72,441	$10,999	$61,441	$6,077,755
18	210	$72,441	$10,889	$61,551	$6,016,204
18	211	$72,441	$10,779	$61,662	$5,954,542
18	212	$72,441	$10,669	$61,772	$5,892,770
18	213	$72,441	$10,558	$61,883	$5,830,887
18	214	$72,441	$10,447	$61,994	$5,768,894
18	215	$72,441	$10,336	$62,105	$5,706,789
18	216	$72,441	$10,225	$62,216	$5,644,573
19	217	$72,441	$10,113	$62,328	$5,582,245
19	218	$72,441	$10,002	$62,439	$5,519,806
19	219	$72,441	$9,890	$62,551	$5,457,255
19	220	$72,441	$9,778	$62,663	$5,394,592
19	221	$72,441	$9,665	$62,775	$5,331,816
19	222	$72,441	$9,553	$62,888	$5,268,928
19	223	$72,441	$9,440	$63,001	$5,205,928
19	224	$72,441	$9,327	$63,113	$5,142,814
19	225	$72,441	$9,214	$63,227	$5,079,588
19	226	$72,441	$9,101	$63,340	$5,016,248
19	227	$72,441	$8,987	$63,453	$4,952,795
19	228	$72,441	$8,874	$63,567	$4,889,228
20	229	$72,441	$8,760	$63,681	$4,825,547
20	230	$72,441	$8,646	$63,795	$4,761,752
20	231	$72,441	$8,531	$63,909	$4,697,842
20	232	$72,441	$8,417	$64,024	$4,633,819
20	233	$72,441	$8,302	$64,138	$4,569,680
20	234	$72,441	$8,187	$64,253	$4,505,427
20	235	$72,441	$8,072	$64,369	$4,441,058
20	236	$72,441	$7,957	$64,484	$4,376,574
20	237	$72,441	$7,841	$64,599	$4,311,975
20	238	$72,441	$7,726	$64,715	$4,247,260
20	239	$72,441	$7,610	$64,831	$4,182,429
20	240	$72,441	$7,494	$64,947	$4,117,482
21	241	$72,441	$7,377	$65,064	$4,052,418
21	242	$72,441	$7,261	$65,180	$3,987,238
21	243	$72,441	$7,144	$65,297	$3,921,941
21	244	$72,441	$7,027	$65,414	$3,856,527
21	245	$72,441	$6,910	$65,531	$3,790,996
21	246	$72,441	$6,792	$65,649	$3,725,347
21	247	$72,441	$6,675	$65,766	$3,659,581
21	248	$72,441	$6,557	$65,884	$3,593,697
21	249	$72,441	$6,439	$66,002	$3,527,695
21	250	$72,441	$6,320	$66,120	$3,461,575
21	251	$72,441	$6,202	$66,239	$3,395,336
21	252	$72,441	$6,083	$66,357	$3,328,979
22	253	$72,441	$5,964	$66,476	$3,262,502
22	254	$72,441	$5,845	$66,595	$3,195,907
22	255	$72,441	$5,726	$66,715	$3,129,192
22	256	$72,441	$5,606	$66,834	$3,062,358
22	257	$72,441	$5,487	$66,954	$2,995,404
22	258	$72,441	$5,367	$67,074	$2,928,330
22	259	$72,441	$5,247	$67,194	$2,861,136
22	260	$72,441	$5,126	$67,315	$2,793,821
22	261	$72,441	$5,006	$67,435	$2,726,386
22	262	$72,441	$4,885	$67,556	$2,658,830
22	263	$72,441	$4,764	$67,677	$2,591,153
22	264	$72,441	$4,642	$67,798	$2,523,355
23	265	$72,441	$4,521	$67,920	$2,455,435
23	266	$72,441	$4,399	$68,041	$2,387,394
23	267	$72,441	$4,277	$68,163	$2,319,230
23	268	$72,441	$4,155	$68,285	$2,250,945
23	269	$72,441	$4,033	$68,408	$2,182,537
23	270	$72,441	$3,910	$68,530	$2,114,007
23	271	$72,441	$3,788	$68,653	$2,045,354
23	272	$72,441	$3,665	$68,776	$1,976,577
23	273	$72,441	$3,541	$68,899	$1,907,678
23	274	$72,441	$3,418	$69,023	$1,838,655
23	275	$72,441	$3,294	$69,146	$1,769,509
23	276	$72,441	$3,170	$69,270	$1,700,238
24	277	$72,441	$3,046	$69,394	$1,630,844
24	278	$72,441	$2,922	$69,519	$1,561,325
24	279	$72,441	$2,797	$69,643	$1,491,682
24	280	$72,441	$2,673	$69,768	$1,421,914
24	281	$72,441	$2,548	$69,893	$1,352,020
24	282	$72,441	$2,422	$70,018	$1,282,002
24	283	$72,441	$2,297	$70,144	$1,211,858
24	284	$72,441	$2,171	$70,269	$1,141,589
24	285	$72,441	$2,045	$70,395	$1,071,193
24	286	$72,441	$1,919	$70,522	$1,000,672
24	287	$72,441	$1,793	$70,648	$930,024
24	288	$72,441	$1,666	$70,774	$859,249
25	289	$72,441	$1,539	$70,901	$788,348
25	290	$72,441	$1,412	$71,028	$717,320
25	291	$72,441	$1,285	$71,156	$646,164
25	292	$72,441	$1,158	$71,283	$574,881
25	293	$72,441	$1,030	$71,411	$503,471
25	294	$72,441	$902	$71,539	$431,932
25	295	$72,441	$774	$71,667	$360,265
25	296	$72,441	$645	$71,795	$288,470
25	297	$72,441	$517	$71,924	$216,546
25	298	$72,441	$388	$72,053	$144,493
25	299	$72,441	$259	$72,182	$72,311
25	300	$72,441	$130	$72,311	$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$ 11,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 11,480,000

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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.