Century 21 Centaland Property

Down Payment (HKD)

$12,800,000

Monthly Repayment (HKD)

$82,789

Loan Amount (HKD)

$19,200,000

Total Interest (HKD)

$5,636,827

Total Repayment (HKD)

$24,836,827

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$82,789	$34,400	$48,389	$19,151,611
1	2	$82,789	$34,313	$48,476	$19,103,134
1	3	$82,789	$34,226	$48,563	$19,054,571
1	4	$82,789	$34,139	$48,650	$19,005,922
1	5	$82,789	$34,052	$48,737	$18,957,184
1	6	$82,789	$33,965	$48,824	$18,908,360
1	7	$82,789	$33,877	$48,912	$18,859,448
1	8	$82,789	$33,790	$49,000	$18,810,448
1	9	$82,789	$33,702	$49,087	$18,761,361
1	10	$82,789	$33,614	$49,175	$18,712,186
1	11	$82,789	$33,526	$49,263	$18,662,922
1	12	$82,789	$33,438	$49,352	$18,613,571
2	13	$82,789	$33,349	$49,440	$18,564,130
2	14	$82,789	$33,261	$49,529	$18,514,602
2	15	$82,789	$33,172	$49,617	$18,464,984
2	16	$82,789	$33,083	$49,706	$18,415,278
2	17	$82,789	$32,994	$49,795	$18,365,483
2	18	$82,789	$32,905	$49,885	$18,315,598
2	19	$82,789	$32,815	$49,974	$18,265,624
2	20	$82,789	$32,726	$50,064	$18,215,561
2	21	$82,789	$32,636	$50,153	$18,165,407
2	22	$82,789	$32,546	$50,243	$18,115,164
2	23	$82,789	$32,456	$50,333	$18,064,831
2	24	$82,789	$32,366	$50,423	$18,014,408
3	25	$82,789	$32,276	$50,514	$17,963,894
3	26	$82,789	$32,185	$50,604	$17,913,290
3	27	$82,789	$32,095	$50,695	$17,862,595
3	28	$82,789	$32,004	$50,786	$17,811,810
3	29	$82,789	$31,913	$50,877	$17,760,933
3	30	$82,789	$31,822	$50,968	$17,709,965
3	31	$82,789	$31,730	$51,059	$17,658,906
3	32	$82,789	$31,639	$51,151	$17,607,756
3	33	$82,789	$31,547	$51,242	$17,556,514
3	34	$82,789	$31,455	$51,334	$17,505,180
3	35	$82,789	$31,363	$51,426	$17,453,754
3	36	$82,789	$31,271	$51,518	$17,402,236
4	37	$82,789	$31,179	$51,610	$17,350,625
4	38	$82,789	$31,087	$51,703	$17,298,922
4	39	$82,789	$30,994	$51,796	$17,247,127
4	40	$82,789	$30,901	$51,888	$17,195,238
4	41	$82,789	$30,808	$51,981	$17,143,257
4	42	$82,789	$30,715	$52,074	$17,091,183
4	43	$82,789	$30,622	$52,168	$17,039,015
4	44	$82,789	$30,528	$52,261	$16,986,754
4	45	$82,789	$30,435	$52,355	$16,934,399
4	46	$82,789	$30,341	$52,449	$16,881,950
4	47	$82,789	$30,247	$52,543	$16,829,408
4	48	$82,789	$30,153	$52,637	$16,776,771
5	49	$82,789	$30,058	$52,731	$16,724,040
5	50	$82,789	$29,964	$52,826	$16,671,215
5	51	$82,789	$29,869	$52,920	$16,618,294
5	52	$82,789	$29,774	$53,015	$16,565,279
5	53	$82,789	$29,679	$53,110	$16,512,169
5	54	$82,789	$29,584	$53,205	$16,458,964
5	55	$82,789	$29,489	$53,300	$16,405,664
5	56	$82,789	$29,393	$53,396	$16,352,268
5	57	$82,789	$29,298	$53,492	$16,298,776
5	58	$82,789	$29,202	$53,587	$16,245,189
5	59	$82,789	$29,106	$53,683	$16,191,505
5	60	$82,789	$29,010	$53,780	$16,137,726
6	61	$82,789	$28,913	$53,876	$16,083,850
6	62	$82,789	$28,817	$53,973	$16,029,877
6	63	$82,789	$28,720	$54,069	$15,975,808
6	64	$82,789	$28,623	$54,166	$15,921,642
6	65	$82,789	$28,526	$54,263	$15,867,379
6	66	$82,789	$28,429	$54,360	$15,813,018
6	67	$82,789	$28,332	$54,458	$15,758,561
6	68	$82,789	$28,234	$54,555	$15,704,005
6	69	$82,789	$28,136	$54,653	$15,649,352
6	70	$82,789	$28,038	$54,751	$15,594,601
6	71	$82,789	$27,940	$54,849	$15,539,752
6	72	$82,789	$27,842	$54,947	$15,484,805
7	73	$82,789	$27,744	$55,046	$15,429,759
7	74	$82,789	$27,645	$55,144	$15,374,614
7	75	$82,789	$27,546	$55,243	$15,319,371
7	76	$82,789	$27,447	$55,342	$15,264,029
7	77	$82,789	$27,348	$55,441	$15,208,588
7	78	$82,789	$27,249	$55,541	$15,153,047
7	79	$82,789	$27,149	$55,640	$15,097,407
7	80	$82,789	$27,050	$55,740	$15,041,667
7	81	$82,789	$26,950	$55,840	$14,985,827
7	82	$82,789	$26,850	$55,940	$14,929,887
7	83	$82,789	$26,749	$56,040	$14,873,847
7	84	$82,789	$26,649	$56,140	$14,817,707
8	85	$82,789	$26,548	$56,241	$14,761,466
8	86	$82,789	$26,448	$56,342	$14,705,124
8	87	$82,789	$26,347	$56,443	$14,648,681
8	88	$82,789	$26,246	$56,544	$14,592,137
8	89	$82,789	$26,144	$56,645	$14,535,492
8	90	$82,789	$26,043	$56,747	$14,478,746
8	91	$82,789	$25,941	$56,848	$14,421,897
8	92	$82,789	$25,839	$56,950	$14,364,947
8	93	$82,789	$25,737	$57,052	$14,307,895
8	94	$82,789	$25,635	$57,154	$14,250,740
8	95	$82,789	$25,533	$57,257	$14,193,483
8	96	$82,789	$25,430	$57,359	$14,136,124
9	97	$82,789	$25,327	$57,462	$14,078,662
9	98	$82,789	$25,224	$57,565	$14,021,097
9	99	$82,789	$25,121	$57,668	$13,963,428
9	100	$82,789	$25,018	$57,772	$13,905,657
9	101	$82,789	$24,914	$57,875	$13,847,782
9	102	$82,789	$24,811	$57,979	$13,789,803
9	103	$82,789	$24,707	$58,083	$13,731,720
9	104	$82,789	$24,603	$58,187	$13,673,533
9	105	$82,789	$24,498	$58,291	$13,615,242
9	106	$82,789	$24,394	$58,395	$13,556,847
9	107	$82,789	$24,289	$58,500	$13,498,347
9	108	$82,789	$24,185	$58,605	$13,439,742
10	109	$82,789	$24,080	$58,710	$13,381,032
10	110	$82,789	$23,974	$58,815	$13,322,217
10	111	$82,789	$23,869	$58,920	$13,263,297
10	112	$82,789	$23,763	$59,026	$13,204,271
10	113	$82,789	$23,658	$59,132	$13,145,139
10	114	$82,789	$23,552	$59,238	$13,085,901
10	115	$82,789	$23,446	$59,344	$13,026,557
10	116	$82,789	$23,339	$59,450	$12,967,107
10	117	$82,789	$23,233	$59,557	$12,907,550
10	118	$82,789	$23,126	$59,663	$12,847,887
10	119	$82,789	$23,019	$59,770	$12,788,117
10	120	$82,789	$22,912	$59,877	$12,728,239
11	121	$82,789	$22,805	$59,985	$12,668,255
11	122	$82,789	$22,697	$60,092	$12,608,163
11	123	$82,789	$22,590	$60,200	$12,547,963
11	124	$82,789	$22,482	$60,308	$12,487,655
11	125	$82,789	$22,374	$60,416	$12,427,239
11	126	$82,789	$22,265	$60,524	$12,366,715
11	127	$82,789	$22,157	$60,632	$12,306,083
11	128	$82,789	$22,048	$60,741	$12,245,342
11	129	$82,789	$21,940	$60,850	$12,184,492
11	130	$82,789	$21,831	$60,959	$12,123,533
11	131	$82,789	$21,721	$61,068	$12,062,465
11	132	$82,789	$21,612	$61,178	$12,001,288
12	133	$82,789	$21,502	$61,287	$11,940,001
12	134	$82,789	$21,393	$61,397	$11,878,604
12	135	$82,789	$21,282	$61,507	$11,817,097
12	136	$82,789	$21,172	$61,617	$11,755,480
12	137	$82,789	$21,062	$61,728	$11,693,752
12	138	$82,789	$20,951	$61,838	$11,631,914
12	139	$82,789	$20,841	$61,949	$11,569,965
12	140	$82,789	$20,730	$62,060	$11,507,905
12	141	$82,789	$20,618	$62,171	$11,445,734
12	142	$82,789	$20,507	$62,282	$11,383,452
12	143	$82,789	$20,395	$62,394	$11,321,057
12	144	$82,789	$20,284	$62,506	$11,258,552
13	145	$82,789	$20,172	$62,618	$11,195,934
13	146	$82,789	$20,059	$62,730	$11,133,204
13	147	$82,789	$19,947	$62,842	$11,070,361
13	148	$82,789	$19,834	$62,955	$11,007,406
13	149	$82,789	$19,722	$63,068	$10,944,338
13	150	$82,789	$19,609	$63,181	$10,881,158
13	151	$82,789	$19,495	$63,294	$10,817,864
13	152	$82,789	$19,382	$63,407	$10,754,456
13	153	$82,789	$19,268	$63,521	$10,690,935
13	154	$82,789	$19,155	$63,635	$10,627,300
13	155	$82,789	$19,041	$63,749	$10,563,552
13	156	$82,789	$18,926	$63,863	$10,499,688
14	157	$82,789	$18,812	$63,977	$10,435,711
14	158	$82,789	$18,697	$64,092	$10,371,619
14	159	$82,789	$18,582	$64,207	$10,307,412
14	160	$82,789	$18,467	$64,322	$10,243,090
14	161	$82,789	$18,352	$64,437	$10,178,653
14	162	$82,789	$18,237	$64,553	$10,114,100
14	163	$82,789	$18,121	$64,668	$10,049,432
14	164	$82,789	$18,005	$64,784	$9,984,648
14	165	$82,789	$17,889	$64,900	$9,919,747
14	166	$82,789	$17,773	$65,017	$9,854,731
14	167	$82,789	$17,656	$65,133	$9,789,598
14	168	$82,789	$17,540	$65,250	$9,724,348
15	169	$82,789	$17,423	$65,367	$9,658,981
15	170	$82,789	$17,306	$65,484	$9,593,498
15	171	$82,789	$17,188	$65,601	$9,527,897
15	172	$82,789	$17,071	$65,719	$9,462,178
15	173	$82,789	$16,953	$65,836	$9,396,342
15	174	$82,789	$16,835	$65,954	$9,330,387
15	175	$82,789	$16,717	$66,072	$9,264,315
15	176	$82,789	$16,599	$66,191	$9,198,124
15	177	$82,789	$16,480	$66,309	$9,131,814
15	178	$82,789	$16,361	$66,428	$9,065,386
15	179	$82,789	$16,242	$66,547	$8,998,839
15	180	$82,789	$16,123	$66,667	$8,932,172
16	181	$82,789	$16,003	$66,786	$8,865,387
16	182	$82,789	$15,884	$66,906	$8,798,481
16	183	$82,789	$15,764	$67,025	$8,731,455
16	184	$82,789	$15,644	$67,146	$8,664,310
16	185	$82,789	$15,524	$67,266	$8,597,044
16	186	$82,789	$15,403	$67,386	$8,529,658
16	187	$82,789	$15,282	$67,507	$8,462,151
16	188	$82,789	$15,161	$67,628	$8,394,522
16	189	$82,789	$15,040	$67,749	$8,326,773
16	190	$82,789	$14,919	$67,871	$8,258,903
16	191	$82,789	$14,797	$67,992	$8,190,910
16	192	$82,789	$14,675	$68,114	$8,122,796
17	193	$82,789	$14,553	$68,236	$8,054,560
17	194	$82,789	$14,431	$68,358	$7,986,202
17	195	$82,789	$14,309	$68,481	$7,917,721
17	196	$82,789	$14,186	$68,604	$7,849,118
17	197	$82,789	$14,063	$68,726	$7,780,391
17	198	$82,789	$13,940	$68,850	$7,711,542
17	199	$82,789	$13,817	$68,973	$7,642,569
17	200	$82,789	$13,693	$69,096	$7,573,472
17	201	$82,789	$13,569	$69,220	$7,504,252
17	202	$82,789	$13,445	$69,344	$7,434,908
17	203	$82,789	$13,321	$69,469	$7,365,439
17	204	$82,789	$13,196	$69,593	$7,295,846
18	205	$82,789	$13,072	$69,718	$7,226,128
18	206	$82,789	$12,947	$69,843	$7,156,286
18	207	$82,789	$12,822	$69,968	$7,086,318
18	208	$82,789	$12,696	$70,093	$7,016,225
18	209	$82,789	$12,571	$70,219	$6,946,006
18	210	$82,789	$12,445	$70,344	$6,875,662
18	211	$82,789	$12,319	$70,471	$6,805,191
18	212	$82,789	$12,193	$70,597	$6,734,594
18	213	$82,789	$12,066	$70,723	$6,663,871
18	214	$82,789	$11,939	$70,850	$6,593,021
18	215	$82,789	$11,812	$70,977	$6,522,044
18	216	$82,789	$11,685	$71,104	$6,450,940
19	217	$82,789	$11,558	$71,231	$6,379,709
19	218	$82,789	$11,430	$71,359	$6,308,350
19	219	$82,789	$11,302	$71,487	$6,236,863
19	220	$82,789	$11,174	$71,615	$6,165,248
19	221	$82,789	$11,046	$71,743	$6,093,504
19	222	$82,789	$10,918	$71,872	$6,021,632
19	223	$82,789	$10,789	$72,001	$5,949,632
19	224	$82,789	$10,660	$72,130	$5,877,502
19	225	$82,789	$10,531	$72,259	$5,805,243
19	226	$82,789	$10,401	$72,388	$5,732,855
19	227	$82,789	$10,271	$72,518	$5,660,337
19	228	$82,789	$10,141	$72,648	$5,587,689
20	229	$82,789	$10,011	$72,778	$5,514,911
20	230	$82,789	$9,881	$72,909	$5,442,002
20	231	$82,789	$9,750	$73,039	$5,368,963
20	232	$82,789	$9,619	$73,170	$5,295,793
20	233	$82,789	$9,488	$73,301	$5,222,492
20	234	$82,789	$9,357	$73,432	$5,149,059
20	235	$82,789	$9,225	$73,564	$5,075,495
20	236	$82,789	$9,094	$73,696	$5,001,799
20	237	$82,789	$8,962	$73,828	$4,927,971
20	238	$82,789	$8,829	$73,960	$4,854,011
20	239	$82,789	$8,697	$74,093	$4,779,919
20	240	$82,789	$8,564	$74,225	$4,705,693
21	241	$82,789	$8,431	$74,358	$4,631,335
21	242	$82,789	$8,298	$74,492	$4,556,843
21	243	$82,789	$8,164	$74,625	$4,482,218
21	244	$82,789	$8,031	$74,759	$4,407,459
21	245	$82,789	$7,897	$74,893	$4,332,567
21	246	$82,789	$7,763	$75,027	$4,257,540
21	247	$82,789	$7,628	$75,161	$4,182,378
21	248	$82,789	$7,493	$75,296	$4,107,082
21	249	$82,789	$7,359	$75,431	$4,031,652
21	250	$82,789	$7,223	$75,566	$3,956,086
21	251	$82,789	$7,088	$75,701	$3,880,384
21	252	$82,789	$6,952	$75,837	$3,804,547
22	253	$82,789	$6,816	$75,973	$3,728,574
22	254	$82,789	$6,680	$76,109	$3,652,465
22	255	$82,789	$6,544	$76,245	$3,576,220
22	256	$82,789	$6,407	$76,382	$3,499,838
22	257	$82,789	$6,271	$76,519	$3,423,319
22	258	$82,789	$6,133	$76,656	$3,346,663
22	259	$82,789	$5,996	$76,793	$3,269,869
22	260	$82,789	$5,859	$76,931	$3,192,938
22	261	$82,789	$5,721	$77,069	$3,115,870
22	262	$82,789	$5,583	$77,207	$3,038,663
22	263	$82,789	$5,444	$77,345	$2,961,318
22	264	$82,789	$5,306	$77,484	$2,883,834
23	265	$82,789	$5,167	$77,623	$2,806,211
23	266	$82,789	$5,028	$77,762	$2,728,450
23	267	$82,789	$4,888	$77,901	$2,650,549
23	268	$82,789	$4,749	$78,041	$2,572,508
23	269	$82,789	$4,609	$78,180	$2,494,328
23	270	$82,789	$4,469	$78,320	$2,416,008
23	271	$82,789	$4,329	$78,461	$2,337,547
23	272	$82,789	$4,188	$78,601	$2,258,946
23	273	$82,789	$4,047	$78,742	$2,180,203
23	274	$82,789	$3,906	$78,883	$2,101,320
23	275	$82,789	$3,765	$79,025	$2,022,296
23	276	$82,789	$3,623	$79,166	$1,943,130
24	277	$82,789	$3,481	$79,308	$1,863,822
24	278	$82,789	$3,339	$79,450	$1,784,371
24	279	$82,789	$3,197	$79,592	$1,704,779
24	280	$82,789	$3,054	$79,735	$1,625,044
24	281	$82,789	$2,912	$79,878	$1,545,166
24	282	$82,789	$2,768	$80,021	$1,465,145
24	283	$82,789	$2,625	$80,164	$1,384,981
24	284	$82,789	$2,481	$80,308	$1,304,673
24	285	$82,789	$2,338	$80,452	$1,224,221
24	286	$82,789	$2,193	$80,596	$1,143,625
24	287	$82,789	$2,049	$80,740	$1,062,884
24	288	$82,789	$1,904	$80,885	$981,999
25	289	$82,789	$1,759	$81,030	$900,969
25	290	$82,789	$1,614	$81,175	$819,794
25	291	$82,789	$1,469	$81,321	$738,474
25	292	$82,789	$1,323	$81,466	$657,007
25	293	$82,789	$1,177	$81,612	$575,395
25	294	$82,789	$1,031	$81,759	$493,636
25	295	$82,789	$884	$81,905	$411,731
25	296	$82,789	$738	$82,052	$329,680
25	297	$82,789	$591	$82,199	$247,481
25	298	$82,789	$443	$82,346	$165,135
25	299	$82,789	$296	$82,494	$82,641
25	300	$82,789	$148	$82,641	$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$ 12,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 13,120,000

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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.