Century 21 Centaland Property

Down Payment (HKD)

$29,200,000

Monthly Repayment (HKD)

$188,863

Loan Amount (HKD)

$43,800,000

Total Interest (HKD)

$12,859,011

Total Repayment (HKD)

$56,659,011

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$188,863	$78,475	$110,388	$43,689,612
1	2	$188,863	$78,277	$110,586	$43,579,025
1	3	$188,863	$78,079	$110,784	$43,468,241
1	4	$188,863	$77,881	$110,983	$43,357,258
1	5	$188,863	$77,682	$111,182	$43,246,077
1	6	$188,863	$77,483	$111,381	$43,134,696
1	7	$188,863	$77,283	$111,580	$43,023,116
1	8	$188,863	$77,083	$111,780	$42,911,335
1	9	$188,863	$76,883	$111,981	$42,799,355
1	10	$188,863	$76,682	$112,181	$42,687,174
1	11	$188,863	$76,481	$112,382	$42,574,791
1	12	$188,863	$76,280	$112,584	$42,462,208
2	13	$188,863	$76,078	$112,785	$42,349,423
2	14	$188,863	$75,876	$112,987	$42,236,435
2	15	$188,863	$75,674	$113,190	$42,123,246
2	16	$188,863	$75,471	$113,393	$42,009,853
2	17	$188,863	$75,268	$113,596	$41,896,257
2	18	$188,863	$75,064	$113,799	$41,782,458
2	19	$188,863	$74,860	$114,003	$41,668,455
2	20	$188,863	$74,656	$114,207	$41,554,248
2	21	$188,863	$74,451	$114,412	$41,439,836
2	22	$188,863	$74,246	$114,617	$41,325,219
2	23	$188,863	$74,041	$114,822	$41,210,396
2	24	$188,863	$73,835	$115,028	$41,095,368
3	25	$188,863	$73,629	$115,234	$40,980,134
3	26	$188,863	$73,423	$115,441	$40,864,693
3	27	$188,863	$73,216	$115,647	$40,749,046
3	28	$188,863	$73,009	$115,855	$40,633,191
3	29	$188,863	$72,801	$116,062	$40,517,129
3	30	$188,863	$72,593	$116,270	$40,400,859
3	31	$188,863	$72,385	$116,478	$40,284,380
3	32	$188,863	$72,176	$116,687	$40,167,693
3	33	$188,863	$71,967	$116,896	$40,050,797
3	34	$188,863	$71,758	$117,106	$39,933,691
3	35	$188,863	$71,548	$117,316	$39,816,376
3	36	$188,863	$71,338	$117,526	$39,698,850
4	37	$188,863	$71,127	$117,736	$39,581,114
4	38	$188,863	$70,916	$117,947	$39,463,166
4	39	$188,863	$70,705	$118,159	$39,345,008
4	40	$188,863	$70,493	$118,370	$39,226,638
4	41	$188,863	$70,281	$118,582	$39,108,055
4	42	$188,863	$70,069	$118,795	$38,989,261
4	43	$188,863	$69,856	$119,008	$38,870,253
4	44	$188,863	$69,643	$119,221	$38,751,032
4	45	$188,863	$69,429	$119,434	$38,631,598
4	46	$188,863	$69,215	$119,648	$38,511,949
4	47	$188,863	$69,001	$119,863	$38,392,087
4	48	$188,863	$68,786	$120,078	$38,272,009
5	49	$188,863	$68,571	$120,293	$38,151,716
5	50	$188,863	$68,355	$120,508	$38,031,208
5	51	$188,863	$68,139	$120,724	$37,910,484
5	52	$188,863	$67,923	$120,940	$37,789,544
5	53	$188,863	$67,706	$121,157	$37,668,386
5	54	$188,863	$67,489	$121,374	$37,547,012
5	55	$188,863	$67,272	$121,592	$37,425,421
5	56	$188,863	$67,054	$121,809	$37,303,611
5	57	$188,863	$66,836	$122,028	$37,181,583
5	58	$188,863	$66,617	$122,246	$37,059,337
5	59	$188,863	$66,398	$122,465	$36,936,872
5	60	$188,863	$66,179	$122,685	$36,814,187
6	61	$188,863	$65,959	$122,905	$36,691,282
6	62	$188,863	$65,739	$123,125	$36,568,157
6	63	$188,863	$65,518	$123,345	$36,444,812
6	64	$188,863	$65,297	$123,566	$36,321,246
6	65	$188,863	$65,076	$123,788	$36,197,458
6	66	$188,863	$64,854	$124,010	$36,073,448
6	67	$188,863	$64,632	$124,232	$35,949,216
6	68	$188,863	$64,409	$124,454	$35,824,762
6	69	$188,863	$64,186	$124,677	$35,700,085
6	70	$188,863	$63,963	$124,901	$35,575,184
6	71	$188,863	$63,739	$125,124	$35,450,059
6	72	$188,863	$63,515	$125,349	$35,324,711
7	73	$188,863	$63,290	$125,573	$35,199,138
7	74	$188,863	$63,065	$125,798	$35,073,339
7	75	$188,863	$62,840	$126,024	$34,947,316
7	76	$188,863	$62,614	$126,249	$34,821,066
7	77	$188,863	$62,388	$126,476	$34,694,591
7	78	$188,863	$62,161	$126,702	$34,567,888
7	79	$188,863	$61,934	$126,929	$34,440,959
7	80	$188,863	$61,707	$127,157	$34,313,803
7	81	$188,863	$61,479	$127,384	$34,186,418
7	82	$188,863	$61,251	$127,613	$34,058,805
7	83	$188,863	$61,022	$127,841	$33,930,964
7	84	$188,863	$60,793	$128,070	$33,802,894
8	85	$188,863	$60,564	$128,300	$33,674,594
8	86	$188,863	$60,334	$128,530	$33,546,064
8	87	$188,863	$60,103	$128,760	$33,417,304
8	88	$188,863	$59,873	$128,991	$33,288,313
8	89	$188,863	$59,642	$129,222	$33,159,092
8	90	$188,863	$59,410	$129,453	$33,029,638
8	91	$188,863	$59,178	$129,685	$32,899,953
8	92	$188,863	$58,946	$129,918	$32,770,035
8	93	$188,863	$58,713	$130,150	$32,639,885
8	94	$188,863	$58,480	$130,384	$32,509,501
8	95	$188,863	$58,246	$130,617	$32,378,884
8	96	$188,863	$58,012	$130,851	$32,248,033
9	97	$188,863	$57,778	$131,086	$32,116,947
9	98	$188,863	$57,543	$131,321	$31,985,627
9	99	$188,863	$57,308	$131,556	$31,854,071
9	100	$188,863	$57,072	$131,791	$31,722,280
9	101	$188,863	$56,836	$132,028	$31,590,252
9	102	$188,863	$56,599	$132,264	$31,457,988
9	103	$188,863	$56,362	$132,501	$31,325,487
9	104	$188,863	$56,125	$132,739	$31,192,748
9	105	$188,863	$55,887	$132,976	$31,059,772
9	106	$188,863	$55,649	$133,215	$30,926,557
9	107	$188,863	$55,410	$133,453	$30,793,104
9	108	$188,863	$55,171	$133,692	$30,659,411
10	109	$188,863	$54,931	$133,932	$30,525,479
10	110	$188,863	$54,691	$134,172	$30,391,308
10	111	$188,863	$54,451	$134,412	$30,256,895
10	112	$188,863	$54,210	$134,653	$30,122,242
10	113	$188,863	$53,969	$134,894	$29,987,348
10	114	$188,863	$53,727	$135,136	$29,852,212
10	115	$188,863	$53,485	$135,378	$29,716,834
10	116	$188,863	$53,243	$135,621	$29,581,213
10	117	$188,863	$53,000	$135,864	$29,445,349
10	118	$188,863	$52,756	$136,107	$29,309,242
10	119	$188,863	$52,512	$136,351	$29,172,891
10	120	$188,863	$52,268	$136,595	$29,036,296
11	121	$188,863	$52,023	$136,840	$28,899,456
11	122	$188,863	$51,778	$137,085	$28,762,371
11	123	$188,863	$51,533	$137,331	$28,625,040
11	124	$188,863	$51,287	$137,577	$28,487,463
11	125	$188,863	$51,040	$137,823	$28,349,640
11	126	$188,863	$50,793	$138,070	$28,211,570
11	127	$188,863	$50,546	$138,318	$28,073,252
11	128	$188,863	$50,298	$138,565	$27,934,686
11	129	$188,863	$50,050	$138,814	$27,795,873
11	130	$188,863	$49,801	$139,062	$27,656,810
11	131	$188,863	$49,552	$139,312	$27,517,499
11	132	$188,863	$49,302	$139,561	$27,377,937
12	133	$188,863	$49,052	$139,811	$27,238,126
12	134	$188,863	$48,802	$140,062	$27,098,065
12	135	$188,863	$48,551	$140,313	$26,957,752
12	136	$188,863	$48,299	$140,564	$26,817,188
12	137	$188,863	$48,047	$140,816	$26,676,372
12	138	$188,863	$47,795	$141,068	$26,535,304
12	139	$188,863	$47,542	$141,321	$26,393,983
12	140	$188,863	$47,289	$141,574	$26,252,409
12	141	$188,863	$47,036	$141,828	$26,110,581
12	142	$188,863	$46,781	$142,082	$25,968,499
12	143	$188,863	$46,527	$142,336	$25,826,162
12	144	$188,863	$46,272	$142,591	$25,683,571
13	145	$188,863	$46,016	$142,847	$25,540,724
13	146	$188,863	$45,760	$143,103	$25,397,621
13	147	$188,863	$45,504	$143,359	$25,254,262
13	148	$188,863	$45,247	$143,616	$25,110,646
13	149	$188,863	$44,990	$143,873	$24,966,772
13	150	$188,863	$44,732	$144,131	$24,822,641
13	151	$188,863	$44,474	$144,389	$24,678,251
13	152	$188,863	$44,215	$144,648	$24,533,603
13	153	$188,863	$43,956	$144,907	$24,388,696
13	154	$188,863	$43,696	$145,167	$24,243,529
13	155	$188,863	$43,436	$145,427	$24,098,102
13	156	$188,863	$43,176	$145,688	$23,952,414
14	157	$188,863	$42,915	$145,949	$23,806,466
14	158	$188,863	$42,653	$146,210	$23,660,256
14	159	$188,863	$42,391	$146,472	$23,513,783
14	160	$188,863	$42,129	$146,735	$23,367,049
14	161	$188,863	$41,866	$146,997	$23,220,052
14	162	$188,863	$41,603	$147,261	$23,072,791
14	163	$188,863	$41,339	$147,525	$22,925,266
14	164	$188,863	$41,074	$147,789	$22,777,477
14	165	$188,863	$40,810	$148,054	$22,629,424
14	166	$188,863	$40,544	$148,319	$22,481,105
14	167	$188,863	$40,279	$148,585	$22,332,520
14	168	$188,863	$40,012	$148,851	$22,183,669
15	169	$188,863	$39,746	$149,118	$22,034,551
15	170	$188,863	$39,479	$149,385	$21,885,166
15	171	$188,863	$39,211	$149,652	$21,735,514
15	172	$188,863	$38,943	$149,921	$21,585,593
15	173	$188,863	$38,674	$150,189	$21,435,404
15	174	$188,863	$38,405	$150,458	$21,284,946
15	175	$188,863	$38,136	$150,728	$21,134,218
15	176	$188,863	$37,865	$150,998	$20,983,220
15	177	$188,863	$37,595	$151,268	$20,831,952
15	178	$188,863	$37,324	$151,539	$20,680,412
15	179	$188,863	$37,052	$151,811	$20,528,601
15	180	$188,863	$36,780	$152,083	$20,376,518
16	181	$188,863	$36,508	$152,355	$20,224,163
16	182	$188,863	$36,235	$152,628	$20,071,535
16	183	$188,863	$35,961	$152,902	$19,918,633
16	184	$188,863	$35,688	$153,176	$19,765,457
16	185	$188,863	$35,413	$153,450	$19,612,007
16	186	$188,863	$35,138	$153,725	$19,458,281
16	187	$188,863	$34,863	$154,001	$19,304,281
16	188	$188,863	$34,587	$154,277	$19,150,004
16	189	$188,863	$34,310	$154,553	$18,995,451
16	190	$188,863	$34,034	$154,830	$18,840,622
16	191	$188,863	$33,756	$155,107	$18,685,514
16	192	$188,863	$33,478	$155,385	$18,530,129
17	193	$188,863	$33,200	$155,664	$18,374,466
17	194	$188,863	$32,921	$155,942	$18,218,523
17	195	$188,863	$32,642	$156,222	$18,062,301
17	196	$188,863	$32,362	$156,502	$17,905,799
17	197	$188,863	$32,081	$156,782	$17,749,017
17	198	$188,863	$31,800	$157,063	$17,591,954
17	199	$188,863	$31,519	$157,344	$17,434,610
17	200	$188,863	$31,237	$157,626	$17,276,983
17	201	$188,863	$30,955	$157,909	$17,119,075
17	202	$188,863	$30,672	$158,192	$16,960,883
17	203	$188,863	$30,388	$158,475	$16,802,408
17	204	$188,863	$30,104	$158,759	$16,643,649
18	205	$188,863	$29,820	$159,043	$16,484,605
18	206	$188,863	$29,535	$159,328	$16,325,277
18	207	$188,863	$29,249	$159,614	$16,165,663
18	208	$188,863	$28,963	$159,900	$16,005,763
18	209	$188,863	$28,677	$160,186	$15,845,577
18	210	$188,863	$28,390	$160,473	$15,685,103
18	211	$188,863	$28,102	$160,761	$15,524,342
18	212	$188,863	$27,814	$161,049	$15,363,294
18	213	$188,863	$27,526	$161,337	$15,201,956
18	214	$188,863	$27,237	$161,627	$15,040,330
18	215	$188,863	$26,947	$161,916	$14,878,413
18	216	$188,863	$26,657	$162,206	$14,716,207
19	217	$188,863	$26,367	$162,497	$14,553,710
19	218	$188,863	$26,075	$162,788	$14,390,922
19	219	$188,863	$25,784	$163,080	$14,227,843
19	220	$188,863	$25,492	$163,372	$14,064,471
19	221	$188,863	$25,199	$163,665	$13,900,806
19	222	$188,863	$24,906	$163,958	$13,736,849
19	223	$188,863	$24,612	$164,252	$13,572,597
19	224	$188,863	$24,318	$164,546	$13,408,051
19	225	$188,863	$24,023	$164,841	$13,243,211
19	226	$188,863	$23,727	$165,136	$13,078,075
19	227	$188,863	$23,432	$165,432	$12,912,643
19	228	$188,863	$23,135	$165,728	$12,746,915
20	229	$188,863	$22,838	$166,025	$12,580,890
20	230	$188,863	$22,541	$166,323	$12,414,567
20	231	$188,863	$22,243	$166,621	$12,247,946
20	232	$188,863	$21,944	$166,919	$12,081,027
20	233	$188,863	$21,645	$167,218	$11,913,809
20	234	$188,863	$21,346	$167,518	$11,746,291
20	235	$188,863	$21,045	$167,818	$11,578,473
20	236	$188,863	$20,745	$168,119	$11,410,355
20	237	$188,863	$20,444	$168,420	$11,241,935
20	238	$188,863	$20,142	$168,722	$11,073,213
20	239	$188,863	$19,840	$169,024	$10,904,190
20	240	$188,863	$19,537	$169,327	$10,734,863
21	241	$188,863	$19,233	$169,630	$10,565,233
21	242	$188,863	$18,929	$169,934	$10,395,299
21	243	$188,863	$18,625	$170,238	$10,225,060
21	244	$188,863	$18,320	$170,543	$10,054,517
21	245	$188,863	$18,014	$170,849	$9,883,668
21	246	$188,863	$17,708	$171,155	$9,712,513
21	247	$188,863	$17,402	$171,462	$9,541,051
21	248	$188,863	$17,094	$171,769	$9,369,282
21	249	$188,863	$16,787	$172,077	$9,197,205
21	250	$188,863	$16,478	$172,385	$9,024,820
21	251	$188,863	$16,169	$172,694	$8,852,126
21	252	$188,863	$15,860	$173,003	$8,679,123
22	253	$188,863	$15,550	$173,313	$8,505,810
22	254	$188,863	$15,240	$173,624	$8,332,186
22	255	$188,863	$14,928	$173,935	$8,158,251
22	256	$188,863	$14,617	$174,247	$7,984,004
22	257	$188,863	$14,305	$174,559	$7,809,446
22	258	$188,863	$13,992	$174,871	$7,634,574
22	259	$188,863	$13,679	$175,185	$7,459,390
22	260	$188,863	$13,365	$175,499	$7,283,891
22	261	$188,863	$13,050	$175,813	$7,108,078
22	262	$188,863	$12,735	$176,128	$6,931,950
22	263	$188,863	$12,420	$176,444	$6,755,506
22	264	$188,863	$12,104	$176,760	$6,578,746
23	265	$188,863	$11,787	$177,076	$6,401,670
23	266	$188,863	$11,470	$177,394	$6,224,276
23	267	$188,863	$11,152	$177,712	$6,046,565
23	268	$188,863	$10,833	$178,030	$5,868,535
23	269	$188,863	$10,514	$178,349	$5,690,186
23	270	$188,863	$10,195	$178,668	$5,511,517
23	271	$188,863	$9,875	$178,989	$5,332,529
23	272	$188,863	$9,554	$179,309	$5,153,220
23	273	$188,863	$9,233	$179,631	$4,973,589
23	274	$188,863	$8,911	$179,952	$4,793,637
23	275	$188,863	$8,589	$180,275	$4,613,362
23	276	$188,863	$8,266	$180,598	$4,432,764
24	277	$188,863	$7,942	$180,921	$4,251,843
24	278	$188,863	$7,618	$181,245	$4,070,597
24	279	$188,863	$7,293	$181,570	$3,889,027
24	280	$188,863	$6,968	$181,896	$3,707,132
24	281	$188,863	$6,642	$182,221	$3,524,910
24	282	$188,863	$6,315	$182,548	$3,342,362
24	283	$188,863	$5,988	$182,875	$3,159,487
24	284	$188,863	$5,661	$183,203	$2,976,285
24	285	$188,863	$5,333	$183,531	$2,792,754
24	286	$188,863	$5,004	$183,860	$2,608,894
24	287	$188,863	$4,674	$184,189	$2,424,705
24	288	$188,863	$4,344	$184,519	$2,240,186
25	289	$188,863	$4,014	$184,850	$2,055,336
25	290	$188,863	$3,682	$185,181	$1,870,155
25	291	$188,863	$3,351	$185,513	$1,684,643
25	292	$188,863	$3,018	$185,845	$1,498,798
25	293	$188,863	$2,685	$186,178	$1,312,620
25	294	$188,863	$2,352	$186,512	$1,126,108
25	295	$188,863	$2,018	$186,846	$939,262
25	296	$188,863	$1,683	$187,181	$752,082
25	297	$188,863	$1,347	$187,516	$564,566
25	298	$188,863	$1,012	$187,852	$376,714
25	299	$188,863	$675	$188,188	$188,526
25	300	$188,863	$338	$188,526	$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$ 29,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 29,930,000

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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.