Century 21 Centaland Property

Down Payment (HKD)

$14,800,000

Monthly Repayment (HKD)

$95,725

Loan Amount (HKD)

$22,200,000

Total Interest (HKD)

$6,517,581

Total Repayment (HKD)

$28,717,581

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$95,725	$39,775	$55,950	$22,144,050
1	2	$95,725	$39,675	$56,051	$22,087,999
1	3	$95,725	$39,574	$56,151	$22,031,848
1	4	$95,725	$39,474	$56,252	$21,975,597
1	5	$95,725	$39,373	$56,352	$21,919,244
1	6	$95,725	$39,272	$56,453	$21,862,791
1	7	$95,725	$39,171	$56,554	$21,806,237
1	8	$95,725	$39,070	$56,656	$21,749,581
1	9	$95,725	$38,968	$56,757	$21,692,824
1	10	$95,725	$38,866	$56,859	$21,635,965
1	11	$95,725	$38,764	$56,961	$21,579,004
1	12	$95,725	$38,662	$57,063	$21,521,941
2	13	$95,725	$38,560	$57,165	$21,464,776
2	14	$95,725	$38,458	$57,268	$21,407,508
2	15	$95,725	$38,355	$57,370	$21,350,138
2	16	$95,725	$38,252	$57,473	$21,292,665
2	17	$95,725	$38,149	$57,576	$21,235,089
2	18	$95,725	$38,046	$57,679	$21,177,410
2	19	$95,725	$37,943	$57,782	$21,119,628
2	20	$95,725	$37,839	$57,886	$21,061,742
2	21	$95,725	$37,736	$57,990	$21,003,752
2	22	$95,725	$37,632	$58,094	$20,945,659
2	23	$95,725	$37,528	$58,198	$20,887,461
2	24	$95,725	$37,423	$58,302	$20,829,159
3	25	$95,725	$37,319	$58,406	$20,770,753
3	26	$95,725	$37,214	$58,511	$20,712,242
3	27	$95,725	$37,109	$58,616	$20,653,626
3	28	$95,725	$37,004	$58,721	$20,594,905
3	29	$95,725	$36,899	$58,826	$20,536,079
3	30	$95,725	$36,794	$58,931	$20,477,148
3	31	$95,725	$36,688	$59,037	$20,418,111
3	32	$95,725	$36,582	$59,143	$20,358,968
3	33	$95,725	$36,476	$59,249	$20,299,719
3	34	$95,725	$36,370	$59,355	$20,240,364
3	35	$95,725	$36,264	$59,461	$20,180,903
3	36	$95,725	$36,157	$59,568	$20,121,335
4	37	$95,725	$36,051	$59,675	$20,061,660
4	38	$95,725	$35,944	$59,781	$20,001,879
4	39	$95,725	$35,837	$59,889	$19,941,990
4	40	$95,725	$35,729	$59,996	$19,881,994
4	41	$95,725	$35,622	$60,103	$19,821,891
4	42	$95,725	$35,514	$60,211	$19,761,680
4	43	$95,725	$35,406	$60,319	$19,701,361
4	44	$95,725	$35,298	$60,427	$19,640,934
4	45	$95,725	$35,190	$60,535	$19,580,399
4	46	$95,725	$35,082	$60,644	$19,519,755
4	47	$95,725	$34,973	$60,752	$19,459,003
4	48	$95,725	$34,864	$60,861	$19,398,142
5	49	$95,725	$34,755	$60,970	$19,337,171
5	50	$95,725	$34,646	$61,080	$19,276,092
5	51	$95,725	$34,536	$61,189	$19,214,903
5	52	$95,725	$34,427	$61,299	$19,153,604
5	53	$95,725	$34,317	$61,408	$19,092,196
5	54	$95,725	$34,207	$61,518	$19,030,677
5	55	$95,725	$34,097	$61,629	$18,969,049
5	56	$95,725	$33,986	$61,739	$18,907,310
5	57	$95,725	$33,876	$61,850	$18,845,460
5	58	$95,725	$33,765	$61,960	$18,783,500
5	59	$95,725	$33,654	$62,071	$18,721,428
5	60	$95,725	$33,543	$62,183	$18,659,245
6	61	$95,725	$33,431	$62,294	$18,596,951
6	62	$95,725	$33,320	$62,406	$18,534,546
6	63	$95,725	$33,208	$62,518	$18,472,028
6	64	$95,725	$33,096	$62,630	$18,409,398
6	65	$95,725	$32,984	$62,742	$18,346,657
6	66	$95,725	$32,871	$62,854	$18,283,803
6	67	$95,725	$32,758	$62,967	$18,220,836
6	68	$95,725	$32,646	$63,080	$18,157,756
6	69	$95,725	$32,533	$63,193	$18,094,563
6	70	$95,725	$32,419	$63,306	$18,031,258
6	71	$95,725	$32,306	$63,419	$17,967,838
6	72	$95,725	$32,192	$63,533	$17,904,305
7	73	$95,725	$32,079	$63,647	$17,840,659
7	74	$95,725	$31,965	$63,761	$17,776,898
7	75	$95,725	$31,850	$63,875	$17,713,023
7	76	$95,725	$31,736	$63,989	$17,649,034
7	77	$95,725	$31,621	$64,104	$17,584,929
7	78	$95,725	$31,506	$64,219	$17,520,711
7	79	$95,725	$31,391	$64,334	$17,456,377
7	80	$95,725	$31,276	$64,449	$17,391,927
7	81	$95,725	$31,161	$64,565	$17,327,363
7	82	$95,725	$31,045	$64,680	$17,262,682
7	83	$95,725	$30,929	$64,796	$17,197,886
7	84	$95,725	$30,813	$64,912	$17,132,973
8	85	$95,725	$30,697	$65,029	$17,067,945
8	86	$95,725	$30,580	$65,145	$17,002,800
8	87	$95,725	$30,463	$65,262	$16,937,538
8	88	$95,725	$30,346	$65,379	$16,872,159
8	89	$95,725	$30,229	$65,496	$16,806,663
8	90	$95,725	$30,112	$65,613	$16,741,049
8	91	$95,725	$29,994	$65,731	$16,675,319
8	92	$95,725	$29,877	$65,849	$16,609,470
8	93	$95,725	$29,759	$65,967	$16,543,503
8	94	$95,725	$29,640	$66,085	$16,477,418
8	95	$95,725	$29,522	$66,203	$16,411,215
8	96	$95,725	$29,403	$66,322	$16,344,893
9	97	$95,725	$29,285	$66,441	$16,278,453
9	98	$95,725	$29,166	$66,560	$16,211,893
9	99	$95,725	$29,046	$66,679	$16,145,214
9	100	$95,725	$28,927	$66,798	$16,078,416
9	101	$95,725	$28,807	$66,918	$16,011,498
9	102	$95,725	$28,687	$67,038	$15,944,460
9	103	$95,725	$28,567	$67,158	$15,877,301
9	104	$95,725	$28,447	$67,278	$15,810,023
9	105	$95,725	$28,326	$67,399	$15,742,624
9	106	$95,725	$28,206	$67,520	$15,675,104
9	107	$95,725	$28,085	$67,641	$15,607,464
9	108	$95,725	$27,963	$67,762	$15,539,702
10	109	$95,725	$27,842	$67,883	$15,471,818
10	110	$95,725	$27,720	$68,005	$15,403,813
10	111	$95,725	$27,598	$68,127	$15,335,687
10	112	$95,725	$27,476	$68,249	$15,267,438
10	113	$95,725	$27,354	$68,371	$15,199,067
10	114	$95,725	$27,232	$68,494	$15,130,573
10	115	$95,725	$27,109	$68,616	$15,061,957
10	116	$95,725	$26,986	$68,739	$14,993,218
10	117	$95,725	$26,863	$68,862	$14,924,355
10	118	$95,725	$26,739	$68,986	$14,855,369
10	119	$95,725	$26,616	$69,109	$14,786,260
10	120	$95,725	$26,492	$69,233	$14,717,027
11	121	$95,725	$26,368	$69,357	$14,647,669
11	122	$95,725	$26,244	$69,482	$14,578,188
11	123	$95,725	$26,119	$69,606	$14,508,582
11	124	$95,725	$25,995	$69,731	$14,438,851
11	125	$95,725	$25,870	$69,856	$14,368,995
11	126	$95,725	$25,744	$69,981	$14,299,015
11	127	$95,725	$25,619	$70,106	$14,228,908
11	128	$95,725	$25,493	$70,232	$14,158,677
11	129	$95,725	$25,368	$70,358	$14,088,319
11	130	$95,725	$25,242	$70,484	$14,017,835
11	131	$95,725	$25,115	$70,610	$13,947,225
11	132	$95,725	$24,989	$70,736	$13,876,489
12	133	$95,725	$24,862	$70,863	$13,805,626
12	134	$95,725	$24,735	$70,990	$13,734,635
12	135	$95,725	$24,608	$71,117	$13,663,518
12	136	$95,725	$24,480	$71,245	$13,592,273
12	137	$95,725	$24,353	$71,372	$13,520,901
12	138	$95,725	$24,225	$71,500	$13,449,400
12	139	$95,725	$24,097	$71,628	$13,377,772
12	140	$95,725	$23,969	$71,757	$13,306,015
12	141	$95,725	$23,840	$71,885	$13,234,130
12	142	$95,725	$23,711	$72,014	$13,162,116
12	143	$95,725	$23,582	$72,143	$13,089,973
12	144	$95,725	$23,453	$72,272	$13,017,700
13	145	$95,725	$23,323	$72,402	$12,945,298
13	146	$95,725	$23,194	$72,532	$12,872,767
13	147	$95,725	$23,064	$72,662	$12,800,105
13	148	$95,725	$22,934	$72,792	$12,727,314
13	149	$95,725	$22,803	$72,922	$12,654,391
13	150	$95,725	$22,672	$73,053	$12,581,339
13	151	$95,725	$22,542	$73,184	$12,508,155
13	152	$95,725	$22,410	$73,315	$12,434,840
13	153	$95,725	$22,279	$73,446	$12,361,394
13	154	$95,725	$22,147	$73,578	$12,287,816
13	155	$95,725	$22,016	$73,710	$12,214,106
13	156	$95,725	$21,884	$73,842	$12,140,265
14	157	$95,725	$21,751	$73,974	$12,066,291
14	158	$95,725	$21,619	$74,106	$11,992,184
14	159	$95,725	$21,486	$74,239	$11,917,945
14	160	$95,725	$21,353	$74,372	$11,843,573
14	161	$95,725	$21,220	$74,506	$11,769,067
14	162	$95,725	$21,086	$74,639	$11,694,428
14	163	$95,725	$20,953	$74,773	$11,619,655
14	164	$95,725	$20,819	$74,907	$11,544,749
14	165	$95,725	$20,684	$75,041	$11,469,708
14	166	$95,725	$20,550	$75,175	$11,394,532
14	167	$95,725	$20,415	$75,310	$11,319,222
14	168	$95,725	$20,280	$75,445	$11,243,777
15	169	$95,725	$20,145	$75,580	$11,168,197
15	170	$95,725	$20,010	$75,716	$11,092,482
15	171	$95,725	$19,874	$75,851	$11,016,630
15	172	$95,725	$19,738	$75,987	$10,940,643
15	173	$95,725	$19,602	$76,123	$10,864,520
15	174	$95,725	$19,466	$76,260	$10,788,260
15	175	$95,725	$19,329	$76,396	$10,711,864
15	176	$95,725	$19,192	$76,533	$10,635,331
15	177	$95,725	$19,055	$76,670	$10,558,661
15	178	$95,725	$18,918	$76,808	$10,481,853
15	179	$95,725	$18,780	$76,945	$10,404,908
15	180	$95,725	$18,642	$77,083	$10,327,824
16	181	$95,725	$18,504	$77,221	$10,250,603
16	182	$95,725	$18,366	$77,360	$10,173,244
16	183	$95,725	$18,227	$77,498	$10,095,745
16	184	$95,725	$18,088	$77,637	$10,018,108
16	185	$95,725	$17,949	$77,776	$9,940,332
16	186	$95,725	$17,810	$77,916	$9,862,417
16	187	$95,725	$17,670	$78,055	$9,784,362
16	188	$95,725	$17,530	$78,195	$9,706,167
16	189	$95,725	$17,390	$78,335	$9,627,832
16	190	$95,725	$17,250	$78,475	$9,549,356
16	191	$95,725	$17,109	$78,616	$9,470,740
16	192	$95,725	$16,968	$78,757	$9,391,983
17	193	$95,725	$16,827	$78,898	$9,313,085
17	194	$95,725	$16,686	$79,039	$9,234,046
17	195	$95,725	$16,544	$79,181	$9,154,865
17	196	$95,725	$16,402	$79,323	$9,075,542
17	197	$95,725	$16,260	$79,465	$8,996,077
17	198	$95,725	$16,118	$79,607	$8,916,470
17	199	$95,725	$15,975	$79,750	$8,836,720
17	200	$95,725	$15,832	$79,893	$8,756,827
17	201	$95,725	$15,689	$80,036	$8,676,791
17	202	$95,725	$15,546	$80,179	$8,596,612
17	203	$95,725	$15,402	$80,323	$8,516,289
17	204	$95,725	$15,258	$80,467	$8,435,822
18	205	$95,725	$15,114	$80,611	$8,355,211
18	206	$95,725	$14,970	$80,756	$8,274,455
18	207	$95,725	$14,825	$80,900	$8,193,555
18	208	$95,725	$14,680	$81,045	$8,112,510
18	209	$95,725	$14,535	$81,190	$8,031,320
18	210	$95,725	$14,389	$81,336	$7,949,984
18	211	$95,725	$14,244	$81,482	$7,868,502
18	212	$95,725	$14,098	$81,628	$7,786,875
18	213	$95,725	$13,951	$81,774	$7,705,101
18	214	$95,725	$13,805	$81,920	$7,623,181
18	215	$95,725	$13,658	$82,067	$7,541,114
18	216	$95,725	$13,511	$82,214	$7,458,900
19	217	$95,725	$13,364	$82,361	$7,376,538
19	218	$95,725	$13,216	$82,509	$7,294,029
19	219	$95,725	$13,068	$82,657	$7,211,372
19	220	$95,725	$12,920	$82,805	$7,128,567
19	221	$95,725	$12,772	$82,953	$7,045,614
19	222	$95,725	$12,623	$83,102	$6,962,512
19	223	$95,725	$12,475	$83,251	$6,879,262
19	224	$95,725	$12,325	$83,400	$6,795,862
19	225	$95,725	$12,176	$83,549	$6,712,312
19	226	$95,725	$12,026	$83,699	$6,628,613
19	227	$95,725	$11,876	$83,849	$6,544,764
19	228	$95,725	$11,726	$83,999	$6,460,765
20	229	$95,725	$11,576	$84,150	$6,376,615
20	230	$95,725	$11,425	$84,301	$6,292,315
20	231	$95,725	$11,274	$84,452	$6,207,863
20	232	$95,725	$11,122	$84,603	$6,123,260
20	233	$95,725	$10,971	$84,754	$6,038,506
20	234	$95,725	$10,819	$84,906	$5,953,600
20	235	$95,725	$10,667	$85,058	$5,868,541
20	236	$95,725	$10,514	$85,211	$5,783,330
20	237	$95,725	$10,362	$85,363	$5,697,967
20	238	$95,725	$10,209	$85,516	$5,612,451
20	239	$95,725	$10,056	$85,670	$5,526,781
20	240	$95,725	$9,902	$85,823	$5,440,958
21	241	$95,725	$9,748	$85,977	$5,354,981
21	242	$95,725	$9,594	$86,131	$5,268,850
21	243	$95,725	$9,440	$86,285	$5,182,565
21	244	$95,725	$9,285	$86,440	$5,096,125
21	245	$95,725	$9,131	$86,595	$5,009,530
21	246	$95,725	$8,975	$86,750	$4,922,780
21	247	$95,725	$8,820	$86,905	$4,835,875
21	248	$95,725	$8,664	$87,061	$4,748,814
21	249	$95,725	$8,508	$87,217	$4,661,597
21	250	$95,725	$8,352	$87,373	$4,574,224
21	251	$95,725	$8,195	$87,530	$4,486,694
21	252	$95,725	$8,039	$87,687	$4,399,007
22	253	$95,725	$7,882	$87,844	$4,311,164
22	254	$95,725	$7,724	$88,001	$4,223,163
22	255	$95,725	$7,566	$88,159	$4,135,004
22	256	$95,725	$7,409	$88,317	$4,046,687
22	257	$95,725	$7,250	$88,475	$3,958,212
22	258	$95,725	$7,092	$88,633	$3,869,579
22	259	$95,725	$6,933	$88,792	$3,780,786
22	260	$95,725	$6,774	$88,951	$3,691,835
22	261	$95,725	$6,615	$89,111	$3,602,724
22	262	$95,725	$6,455	$89,270	$3,513,454
22	263	$95,725	$6,295	$89,430	$3,424,024
22	264	$95,725	$6,135	$89,591	$3,334,433
23	265	$95,725	$5,974	$89,751	$3,244,682
23	266	$95,725	$5,813	$89,912	$3,154,770
23	267	$95,725	$5,652	$90,073	$3,064,697
23	268	$95,725	$5,491	$90,234	$2,974,463
23	269	$95,725	$5,329	$90,396	$2,884,067
23	270	$95,725	$5,167	$90,558	$2,793,509
23	271	$95,725	$5,005	$90,720	$2,702,789
23	272	$95,725	$4,842	$90,883	$2,611,906
23	273	$95,725	$4,680	$91,046	$2,520,860
23	274	$95,725	$4,517	$91,209	$2,429,651
23	275	$95,725	$4,353	$91,372	$2,338,279
23	276	$95,725	$4,189	$91,536	$2,246,744
24	277	$95,725	$4,025	$91,700	$2,155,044
24	278	$95,725	$3,861	$91,864	$2,063,179
24	279	$95,725	$3,697	$92,029	$1,971,151
24	280	$95,725	$3,532	$92,194	$1,878,957
24	281	$95,725	$3,366	$92,359	$1,786,598
24	282	$95,725	$3,201	$92,524	$1,694,074
24	283	$95,725	$3,035	$92,690	$1,601,384
24	284	$95,725	$2,869	$92,856	$1,508,528
24	285	$95,725	$2,703	$93,022	$1,415,505
24	286	$95,725	$2,536	$93,189	$1,322,316
24	287	$95,725	$2,369	$93,356	$1,228,960
24	288	$95,725	$2,202	$93,523	$1,135,437
25	289	$95,725	$2,034	$93,691	$1,041,746
25	290	$95,725	$1,866	$93,859	$947,887
25	291	$95,725	$1,698	$94,027	$853,860
25	292	$95,725	$1,530	$94,195	$759,665
25	293	$95,725	$1,361	$94,364	$665,300
25	294	$95,725	$1,192	$94,533	$570,767
25	295	$95,725	$1,023	$94,703	$476,064
25	296	$95,725	$853	$94,872	$381,192
25	297	$95,725	$683	$95,042	$286,150
25	298	$95,725	$513	$95,213	$190,937
25	299	$95,725	$342	$95,383	$95,554
25	300	$95,725	$171	$95,554	$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$ 14,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,170,000

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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.