Century 21 Centaland Property

Down Payment (HKD)

$13,992,000

Monthly Repayment (HKD)

$90,499

Loan Amount (HKD)

$20,988,000

Total Interest (HKD)

$6,161,756

Total Repayment (HKD)

$27,149,756

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$90,499	$37,604	$52,896	$20,935,104
1	2	$90,499	$37,509	$52,990	$20,882,114
1	3	$90,499	$37,414	$53,085	$20,829,028
1	4	$90,499	$37,319	$53,181	$20,775,848
1	5	$90,499	$37,223	$53,276	$20,722,572
1	6	$90,499	$37,128	$53,371	$20,669,201
1	7	$90,499	$37,032	$53,467	$20,615,734
1	8	$90,499	$36,937	$53,563	$20,562,171
1	9	$90,499	$36,841	$53,659	$20,508,513
1	10	$90,499	$36,744	$53,755	$20,454,758
1	11	$90,499	$36,648	$53,851	$20,400,907
1	12	$90,499	$36,552	$53,948	$20,346,959
2	13	$90,499	$36,455	$54,044	$20,292,915
2	14	$90,499	$36,358	$54,141	$20,238,774
2	15	$90,499	$36,261	$54,238	$20,184,536
2	16	$90,499	$36,164	$54,335	$20,130,201
2	17	$90,499	$36,067	$54,433	$20,075,768
2	18	$90,499	$35,969	$54,530	$20,021,238
2	19	$90,499	$35,871	$54,628	$19,966,610
2	20	$90,499	$35,774	$54,726	$19,911,885
2	21	$90,499	$35,675	$54,824	$19,857,061
2	22	$90,499	$35,577	$54,922	$19,802,139
2	23	$90,499	$35,479	$55,020	$19,747,119
2	24	$90,499	$35,380	$55,119	$19,692,000
3	25	$90,499	$35,281	$55,218	$19,636,782
3	26	$90,499	$35,183	$55,317	$19,581,465
3	27	$90,499	$35,083	$55,416	$19,526,050
3	28	$90,499	$34,984	$55,515	$19,470,535
3	29	$90,499	$34,885	$55,614	$19,414,920
3	30	$90,499	$34,785	$55,714	$19,359,206
3	31	$90,499	$34,685	$55,814	$19,303,392
3	32	$90,499	$34,585	$55,914	$19,247,478
3	33	$90,499	$34,485	$56,014	$19,191,464
3	34	$90,499	$34,385	$56,114	$19,135,350
3	35	$90,499	$34,284	$56,215	$19,079,135
3	36	$90,499	$34,183	$56,316	$19,022,819
4	37	$90,499	$34,083	$56,417	$18,966,402
4	38	$90,499	$33,981	$56,518	$18,909,884
4	39	$90,499	$33,880	$56,619	$18,853,265
4	40	$90,499	$33,779	$56,720	$18,796,545
4	41	$90,499	$33,677	$56,822	$18,739,723
4	42	$90,499	$33,575	$56,924	$18,682,799
4	43	$90,499	$33,473	$57,026	$18,625,773
4	44	$90,499	$33,371	$57,128	$18,568,645
4	45	$90,499	$33,269	$57,230	$18,511,415
4	46	$90,499	$33,166	$57,333	$18,454,082
4	47	$90,499	$33,064	$57,436	$18,396,646
4	48	$90,499	$32,961	$57,539	$18,339,108
5	49	$90,499	$32,858	$57,642	$18,281,466
5	50	$90,499	$32,754	$57,745	$18,223,721
5	51	$90,499	$32,651	$57,848	$18,165,873
5	52	$90,499	$32,547	$57,952	$18,107,921
5	53	$90,499	$32,443	$58,056	$18,049,865
5	54	$90,499	$32,339	$58,160	$17,991,705
5	55	$90,499	$32,235	$58,264	$17,933,441
5	56	$90,499	$32,131	$58,368	$17,875,073
5	57	$90,499	$32,026	$58,473	$17,816,600
5	58	$90,499	$31,921	$58,578	$17,758,022
5	59	$90,499	$31,816	$58,683	$17,699,339
5	60	$90,499	$31,711	$58,788	$17,640,551
6	61	$90,499	$31,606	$58,893	$17,581,658
6	62	$90,499	$31,500	$58,999	$17,522,660
6	63	$90,499	$31,395	$59,104	$17,463,555
6	64	$90,499	$31,289	$59,210	$17,404,345
6	65	$90,499	$31,183	$59,316	$17,345,028
6	66	$90,499	$31,077	$59,423	$17,285,606
6	67	$90,499	$30,970	$59,529	$17,226,077
6	68	$90,499	$30,863	$59,636	$17,166,441
6	69	$90,499	$30,757	$59,743	$17,106,698
6	70	$90,499	$30,650	$59,850	$17,046,848
6	71	$90,499	$30,542	$59,957	$16,986,892
6	72	$90,499	$30,435	$60,064	$16,926,827
7	73	$90,499	$30,327	$60,172	$16,866,655
7	74	$90,499	$30,219	$60,280	$16,806,375
7	75	$90,499	$30,111	$60,388	$16,745,988
7	76	$90,499	$30,003	$60,496	$16,685,492
7	77	$90,499	$29,895	$60,604	$16,624,887
7	78	$90,499	$29,786	$60,713	$16,564,174
7	79	$90,499	$29,677	$60,822	$16,503,353
7	80	$90,499	$29,569	$60,931	$16,442,422
7	81	$90,499	$29,459	$61,040	$16,381,382
7	82	$90,499	$29,350	$61,149	$16,320,233
7	83	$90,499	$29,240	$61,259	$16,258,974
7	84	$90,499	$29,131	$61,369	$16,197,606
8	85	$90,499	$29,021	$61,478	$16,136,127
8	86	$90,499	$28,911	$61,589	$16,074,539
8	87	$90,499	$28,800	$61,699	$16,012,840
8	88	$90,499	$28,690	$61,810	$15,951,030
8	89	$90,499	$28,579	$61,920	$15,889,110
8	90	$90,499	$28,468	$62,031	$15,827,079
8	91	$90,499	$28,357	$62,142	$15,764,936
8	92	$90,499	$28,246	$62,254	$15,702,683
8	93	$90,499	$28,134	$62,365	$15,640,317
8	94	$90,499	$28,022	$62,477	$15,577,841
8	95	$90,499	$27,910	$62,589	$15,515,252
8	96	$90,499	$27,798	$62,701	$15,452,551
9	97	$90,499	$27,686	$62,813	$15,389,737
9	98	$90,499	$27,573	$62,926	$15,326,811
9	99	$90,499	$27,461	$63,039	$15,263,773
9	100	$90,499	$27,348	$63,152	$15,200,621
9	101	$90,499	$27,234	$63,265	$15,137,356
9	102	$90,499	$27,121	$63,378	$15,073,978
9	103	$90,499	$27,008	$63,492	$15,010,487
9	104	$90,499	$26,894	$63,605	$14,946,881
9	105	$90,499	$26,780	$63,719	$14,883,162
9	106	$90,499	$26,666	$63,834	$14,819,328
9	107	$90,499	$26,551	$63,948	$14,755,380
9	108	$90,499	$26,437	$64,062	$14,691,318
10	109	$90,499	$26,322	$64,177	$14,627,141
10	110	$90,499	$26,207	$64,292	$14,562,848
10	111	$90,499	$26,092	$64,407	$14,498,441
10	112	$90,499	$25,976	$64,523	$14,433,918
10	113	$90,499	$25,861	$64,638	$14,369,280
10	114	$90,499	$25,745	$64,754	$14,304,526
10	115	$90,499	$25,629	$64,870	$14,239,655
10	116	$90,499	$25,513	$64,986	$14,174,669
10	117	$90,499	$25,396	$65,103	$14,109,566
10	118	$90,499	$25,280	$65,220	$14,044,346
10	119	$90,499	$25,163	$65,336	$13,979,010
10	120	$90,499	$25,046	$65,453	$13,913,557
11	121	$90,499	$24,928	$65,571	$13,847,986
11	122	$90,499	$24,811	$65,688	$13,782,298
11	123	$90,499	$24,693	$65,806	$13,716,492
11	124	$90,499	$24,575	$65,924	$13,650,568
11	125	$90,499	$24,457	$66,042	$13,584,526
11	126	$90,499	$24,339	$66,160	$13,518,366
11	127	$90,499	$24,220	$66,279	$13,452,087
11	128	$90,499	$24,102	$66,398	$13,385,689
11	129	$90,499	$23,983	$66,516	$13,319,173
11	130	$90,499	$23,864	$66,636	$13,252,537
11	131	$90,499	$23,744	$66,755	$13,185,782
11	132	$90,499	$23,625	$66,875	$13,118,908
12	133	$90,499	$23,505	$66,994	$13,051,913
12	134	$90,499	$23,385	$67,115	$12,984,799
12	135	$90,499	$23,264	$67,235	$12,917,564
12	136	$90,499	$23,144	$67,355	$12,850,209
12	137	$90,499	$23,023	$67,476	$12,782,733
12	138	$90,499	$22,902	$67,597	$12,715,136
12	139	$90,499	$22,781	$67,718	$12,647,418
12	140	$90,499	$22,660	$67,839	$12,579,579
12	141	$90,499	$22,538	$67,961	$12,511,618
12	142	$90,499	$22,417	$68,083	$12,443,535
12	143	$90,499	$22,295	$68,205	$12,375,331
12	144	$90,499	$22,172	$68,327	$12,307,004
13	145	$90,499	$22,050	$68,449	$12,238,555
13	146	$90,499	$21,927	$68,572	$12,169,983
13	147	$90,499	$21,805	$68,695	$12,101,289
13	148	$90,499	$21,681	$68,818	$12,032,471
13	149	$90,499	$21,558	$68,941	$11,963,530
13	150	$90,499	$21,435	$69,065	$11,894,465
13	151	$90,499	$21,311	$69,188	$11,825,277
13	152	$90,499	$21,187	$69,312	$11,755,965
13	153	$90,499	$21,063	$69,436	$11,686,529
13	154	$90,499	$20,938	$69,561	$11,616,968
13	155	$90,499	$20,814	$69,685	$11,547,282
13	156	$90,499	$20,689	$69,810	$11,477,472
14	157	$90,499	$20,564	$69,935	$11,407,537
14	158	$90,499	$20,439	$70,061	$11,337,476
14	159	$90,499	$20,313	$70,186	$11,267,290
14	160	$90,499	$20,187	$70,312	$11,196,978
14	161	$90,499	$20,061	$70,438	$11,126,540
14	162	$90,499	$19,935	$70,564	$11,055,976
14	163	$90,499	$19,809	$70,691	$10,985,285
14	164	$90,499	$19,682	$70,817	$10,914,468
14	165	$90,499	$19,555	$70,944	$10,843,524
14	166	$90,499	$19,428	$71,071	$10,772,453
14	167	$90,499	$19,301	$71,199	$10,701,254
14	168	$90,499	$19,173	$71,326	$10,629,928
15	169	$90,499	$19,045	$71,454	$10,558,474
15	170	$90,499	$18,917	$71,582	$10,486,892
15	171	$90,499	$18,789	$71,710	$10,415,182
15	172	$90,499	$18,661	$71,839	$10,343,343
15	173	$90,499	$18,532	$71,967	$10,271,376
15	174	$90,499	$18,403	$72,096	$10,199,280
15	175	$90,499	$18,274	$72,225	$10,127,054
15	176	$90,499	$18,144	$72,355	$10,054,699
15	177	$90,499	$18,015	$72,485	$9,982,215
15	178	$90,499	$17,885	$72,614	$9,909,600
15	179	$90,499	$17,755	$72,744	$9,836,856
15	180	$90,499	$17,624	$72,875	$9,763,981
16	181	$90,499	$17,494	$73,005	$9,690,976
16	182	$90,499	$17,363	$73,136	$9,617,839
16	183	$90,499	$17,232	$73,267	$9,544,572
16	184	$90,499	$17,101	$73,398	$9,471,174
16	185	$90,499	$16,969	$73,530	$9,397,644
16	186	$90,499	$16,837	$73,662	$9,323,982
16	187	$90,499	$16,705	$73,794	$9,250,188
16	188	$90,499	$16,573	$73,926	$9,176,262
16	189	$90,499	$16,441	$74,058	$9,102,204
16	190	$90,499	$16,308	$74,191	$9,028,013
16	191	$90,499	$16,175	$74,324	$8,953,689
16	192	$90,499	$16,042	$74,457	$8,879,232
17	193	$90,499	$15,909	$74,591	$8,804,641
17	194	$90,499	$15,775	$74,724	$8,729,917
17	195	$90,499	$15,641	$74,858	$8,655,059
17	196	$90,499	$15,507	$74,992	$8,580,067
17	197	$90,499	$15,373	$75,127	$8,504,940
17	198	$90,499	$15,238	$75,261	$8,429,679
17	199	$90,499	$15,103	$75,396	$8,354,283
17	200	$90,499	$14,968	$75,531	$8,278,752
17	201	$90,499	$14,833	$75,666	$8,203,085
17	202	$90,499	$14,697	$75,802	$8,127,283
17	203	$90,499	$14,561	$75,938	$8,051,346
17	204	$90,499	$14,425	$76,074	$7,975,272
18	205	$90,499	$14,289	$76,210	$7,899,062
18	206	$90,499	$14,152	$76,347	$7,822,715
18	207	$90,499	$14,016	$76,483	$7,746,231
18	208	$90,499	$13,879	$76,621	$7,669,611
18	209	$90,499	$13,741	$76,758	$7,592,853
18	210	$90,499	$13,604	$76,895	$7,515,958
18	211	$90,499	$13,466	$77,033	$7,438,925
18	212	$90,499	$13,328	$77,171	$7,361,754
18	213	$90,499	$13,190	$77,309	$7,284,444
18	214	$90,499	$13,051	$77,448	$7,206,996
18	215	$90,499	$12,913	$77,587	$7,129,410
18	216	$90,499	$12,774	$77,726	$7,051,684
19	217	$90,499	$12,634	$77,865	$6,973,819
19	218	$90,499	$12,495	$78,004	$6,895,815
19	219	$90,499	$12,355	$78,144	$6,817,670
19	220	$90,499	$12,215	$78,284	$6,739,386
19	221	$90,499	$12,075	$78,424	$6,660,962
19	222	$90,499	$11,934	$78,565	$6,582,397
19	223	$90,499	$11,793	$78,706	$6,503,691
19	224	$90,499	$11,652	$78,847	$6,424,844
19	225	$90,499	$11,511	$78,988	$6,345,856
19	226	$90,499	$11,370	$79,130	$6,266,727
19	227	$90,499	$11,228	$79,271	$6,187,456
19	228	$90,499	$11,086	$79,413	$6,108,042
20	229	$90,499	$10,944	$79,556	$6,028,487
20	230	$90,499	$10,801	$79,698	$5,948,788
20	231	$90,499	$10,658	$79,841	$5,868,947
20	232	$90,499	$10,515	$79,984	$5,788,963
20	233	$90,499	$10,372	$80,127	$5,708,836
20	234	$90,499	$10,228	$80,271	$5,628,565
20	235	$90,499	$10,085	$80,415	$5,548,151
20	236	$90,499	$9,940	$80,559	$5,467,592
20	237	$90,499	$9,796	$80,703	$5,386,889
20	238	$90,499	$9,652	$80,848	$5,306,041
20	239	$90,499	$9,507	$80,993	$5,225,049
20	240	$90,499	$9,362	$81,138	$5,143,911
21	241	$90,499	$9,216	$81,283	$5,062,628
21	242	$90,499	$9,071	$81,429	$4,981,199
21	243	$90,499	$8,925	$81,575	$4,899,625
21	244	$90,499	$8,778	$81,721	$4,817,904
21	245	$90,499	$8,632	$81,867	$4,736,037
21	246	$90,499	$8,485	$82,014	$4,654,023
21	247	$90,499	$8,338	$82,161	$4,571,862
21	248	$90,499	$8,191	$82,308	$4,489,555
21	249	$90,499	$8,044	$82,455	$4,407,099
21	250	$90,499	$7,896	$82,603	$4,324,496
21	251	$90,499	$7,748	$82,751	$4,241,745
21	252	$90,499	$7,600	$82,899	$4,158,845
22	253	$90,499	$7,451	$83,048	$4,075,798
22	254	$90,499	$7,302	$83,197	$3,992,601
22	255	$90,499	$7,153	$83,346	$3,909,255
22	256	$90,499	$7,004	$83,495	$3,825,760
22	257	$90,499	$6,854	$83,645	$3,742,115
22	258	$90,499	$6,705	$83,795	$3,658,321
22	259	$90,499	$6,554	$83,945	$3,574,376
22	260	$90,499	$6,404	$84,095	$3,490,281
22	261	$90,499	$6,253	$84,246	$3,406,035
22	262	$90,499	$6,102	$84,397	$3,321,638
22	263	$90,499	$5,951	$84,548	$3,237,090
22	264	$90,499	$5,800	$84,699	$3,152,391
23	265	$90,499	$5,648	$84,851	$3,067,540
23	266	$90,499	$5,496	$85,003	$2,982,537
23	267	$90,499	$5,344	$85,155	$2,897,381
23	268	$90,499	$5,191	$85,308	$2,812,073
23	269	$90,499	$5,038	$85,461	$2,726,612
23	270	$90,499	$4,885	$85,614	$2,640,998
23	271	$90,499	$4,732	$85,767	$2,555,231
23	272	$90,499	$4,578	$85,921	$2,469,310
23	273	$90,499	$4,424	$86,075	$2,383,235
23	274	$90,499	$4,270	$86,229	$2,297,006
23	275	$90,499	$4,115	$86,384	$2,210,622
23	276	$90,499	$3,961	$86,538	$2,124,083
24	277	$90,499	$3,806	$86,694	$2,037,390
24	278	$90,499	$3,650	$86,849	$1,950,541
24	279	$90,499	$3,495	$87,004	$1,863,537
24	280	$90,499	$3,339	$87,160	$1,776,376
24	281	$90,499	$3,183	$87,317	$1,689,060
24	282	$90,499	$3,026	$87,473	$1,601,587
24	283	$90,499	$2,870	$87,630	$1,513,957
24	284	$90,499	$2,713	$87,787	$1,426,170
24	285	$90,499	$2,555	$87,944	$1,338,226
24	286	$90,499	$2,398	$88,102	$1,250,125
24	287	$90,499	$2,240	$88,259	$1,161,866
24	288	$90,499	$2,082	$88,418	$1,073,448
25	289	$90,499	$1,923	$88,576	$984,872
25	290	$90,499	$1,765	$88,735	$896,137
25	291	$90,499	$1,606	$88,894	$807,244
25	292	$90,499	$1,446	$89,053	$718,191
25	293	$90,499	$1,287	$89,212	$628,979
25	294	$90,499	$1,127	$89,372	$539,606
25	295	$90,499	$967	$89,532	$450,074
25	296	$90,499	$806	$89,693	$360,381
25	297	$90,499	$646	$89,854	$270,528
25	298	$90,499	$485	$90,014	$180,513
25	299	$90,499	$323	$90,176	$90,337
25	300	$90,499	$162	$90,337	$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$ 13,992,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 14,341,800

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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.