Century 21 Centaland Property

Down Payment (HKD)

$25,400,000

Monthly Repayment (HKD)

$164,285

Loan Amount (HKD)

$38,100,000

Total Interest (HKD)

$11,185,578

Total Repayment (HKD)

$49,285,578

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$164,285	$68,263	$96,023	$38,003,977
1	2	$164,285	$68,090	$96,195	$37,907,782
1	3	$164,285	$67,918	$96,367	$37,811,415
1	4	$164,285	$67,745	$96,540	$37,714,875
1	5	$164,285	$67,572	$96,713	$37,618,163
1	6	$164,285	$67,399	$96,886	$37,521,277
1	7	$164,285	$67,226	$97,060	$37,424,217
1	8	$164,285	$67,052	$97,234	$37,326,983
1	9	$164,285	$66,878	$97,408	$37,229,576
1	10	$164,285	$66,703	$97,582	$37,131,993
1	11	$164,285	$66,528	$97,757	$37,034,236
1	12	$164,285	$66,353	$97,932	$36,936,304
2	13	$164,285	$66,178	$98,108	$36,838,196
2	14	$164,285	$66,002	$98,283	$36,739,913
2	15	$164,285	$65,826	$98,460	$36,641,453
2	16	$164,285	$65,649	$98,636	$36,542,817
2	17	$164,285	$65,473	$98,813	$36,444,005
2	18	$164,285	$65,296	$98,990	$36,345,015
2	19	$164,285	$65,118	$99,167	$36,245,848
2	20	$164,285	$64,940	$99,345	$36,146,503
2	21	$164,285	$64,762	$99,523	$36,046,980
2	22	$164,285	$64,584	$99,701	$35,947,279
2	23	$164,285	$64,406	$99,880	$35,847,399
2	24	$164,285	$64,227	$100,059	$35,747,341
3	25	$164,285	$64,047	$100,238	$35,647,103
3	26	$164,285	$63,868	$100,418	$35,546,685
3	27	$164,285	$63,688	$100,597	$35,446,088
3	28	$164,285	$63,508	$100,778	$35,345,310
3	29	$164,285	$63,327	$100,958	$35,244,352
3	30	$164,285	$63,146	$101,139	$35,143,213
3	31	$164,285	$62,965	$101,320	$35,041,892
3	32	$164,285	$62,783	$101,502	$34,940,391
3	33	$164,285	$62,602	$101,684	$34,838,707
3	34	$164,285	$62,419	$101,866	$34,736,841
3	35	$164,285	$62,237	$102,048	$34,634,792
3	36	$164,285	$62,054	$102,231	$34,532,561
4	37	$164,285	$61,871	$102,414	$34,430,147
4	38	$164,285	$61,687	$102,598	$34,327,549
4	39	$164,285	$61,504	$102,782	$34,224,767
4	40	$164,285	$61,319	$102,966	$34,121,801
4	41	$164,285	$61,135	$103,150	$34,018,651
4	42	$164,285	$60,950	$103,335	$33,915,316
4	43	$164,285	$60,765	$103,520	$33,811,795
4	44	$164,285	$60,579	$103,706	$33,708,090
4	45	$164,285	$60,394	$103,892	$33,604,198
4	46	$164,285	$60,208	$104,078	$33,500,120
4	47	$164,285	$60,021	$104,264	$33,395,856
4	48	$164,285	$59,834	$104,451	$33,291,405
5	49	$164,285	$59,647	$104,638	$33,186,767
5	50	$164,285	$59,460	$104,826	$33,081,941
5	51	$164,285	$59,272	$105,013	$32,976,928
5	52	$164,285	$59,084	$105,202	$32,871,726
5	53	$164,285	$58,895	$105,390	$32,766,336
5	54	$164,285	$58,706	$105,579	$32,660,757
5	55	$164,285	$58,517	$105,768	$32,554,989
5	56	$164,285	$58,328	$105,958	$32,449,032
5	57	$164,285	$58,138	$106,147	$32,342,884
5	58	$164,285	$57,948	$106,338	$32,236,547
5	59	$164,285	$57,757	$106,528	$32,130,018
5	60	$164,285	$57,566	$106,719	$32,023,300
6	61	$164,285	$57,375	$106,910	$31,916,389
6	62	$164,285	$57,184	$107,102	$31,809,288
6	63	$164,285	$56,992	$107,294	$31,701,994
6	64	$164,285	$56,799	$107,486	$31,594,508
6	65	$164,285	$56,607	$107,678	$31,486,830
6	66	$164,285	$56,414	$107,871	$31,378,958
6	67	$164,285	$56,221	$108,065	$31,270,894
6	68	$164,285	$56,027	$108,258	$31,162,635
6	69	$164,285	$55,833	$108,452	$31,054,183
6	70	$164,285	$55,639	$108,647	$30,945,537
6	71	$164,285	$55,444	$108,841	$30,836,696
6	72	$164,285	$55,249	$109,036	$30,727,659
7	73	$164,285	$55,054	$109,232	$30,618,428
7	74	$164,285	$54,858	$109,427	$30,509,001
7	75	$164,285	$54,662	$109,623	$30,399,377
7	76	$164,285	$54,466	$109,820	$30,289,558
7	77	$164,285	$54,269	$110,016	$30,179,541
7	78	$164,285	$54,072	$110,214	$30,069,328
7	79	$164,285	$53,874	$110,411	$29,958,917
7	80	$164,285	$53,676	$110,609	$29,848,308
7	81	$164,285	$53,478	$110,807	$29,737,501
7	82	$164,285	$53,280	$111,006	$29,626,495
7	83	$164,285	$53,081	$111,204	$29,515,291
7	84	$164,285	$52,882	$111,404	$29,403,887
8	85	$164,285	$52,682	$111,603	$29,292,284
8	86	$164,285	$52,482	$111,803	$29,180,480
8	87	$164,285	$52,282	$112,004	$29,068,477
8	88	$164,285	$52,081	$112,204	$28,956,273
8	89	$164,285	$51,880	$112,405	$28,843,867
8	90	$164,285	$51,679	$112,607	$28,731,261
8	91	$164,285	$51,477	$112,808	$28,618,452
8	92	$164,285	$51,275	$113,011	$28,505,442
8	93	$164,285	$51,072	$113,213	$28,392,229
8	94	$164,285	$50,869	$113,416	$28,278,813
8	95	$164,285	$50,666	$113,619	$28,165,194
8	96	$164,285	$50,463	$113,823	$28,051,371
9	97	$164,285	$50,259	$114,027	$27,937,345
9	98	$164,285	$50,054	$114,231	$27,823,114
9	99	$164,285	$49,850	$114,436	$27,708,678
9	100	$164,285	$49,645	$114,641	$27,594,038
9	101	$164,285	$49,439	$114,846	$27,479,192
9	102	$164,285	$49,234	$115,052	$27,364,140
9	103	$164,285	$49,027	$115,258	$27,248,882
9	104	$164,285	$48,821	$115,464	$27,133,418
9	105	$164,285	$48,614	$115,671	$27,017,747
9	106	$164,285	$48,407	$115,878	$26,901,868
9	107	$164,285	$48,199	$116,086	$26,785,782
9	108	$164,285	$47,991	$116,294	$26,669,488
10	109	$164,285	$47,783	$116,502	$26,552,986
10	110	$164,285	$47,574	$116,711	$26,436,274
10	111	$164,285	$47,365	$116,920	$26,319,354
10	112	$164,285	$47,156	$117,130	$26,202,224
10	113	$164,285	$46,946	$117,340	$26,084,885
10	114	$164,285	$46,735	$117,550	$25,967,335
10	115	$164,285	$46,525	$117,760	$25,849,575
10	116	$164,285	$46,314	$117,971	$25,731,603
10	117	$164,285	$46,102	$118,183	$25,613,420
10	118	$164,285	$45,891	$118,395	$25,495,026
10	119	$164,285	$45,679	$118,607	$25,376,419
10	120	$164,285	$45,466	$118,819	$25,257,600
11	121	$164,285	$45,253	$119,032	$25,138,568
11	122	$164,285	$45,040	$119,245	$25,019,322
11	123	$164,285	$44,826	$119,459	$24,899,864
11	124	$164,285	$44,612	$119,673	$24,780,191
11	125	$164,285	$44,398	$119,887	$24,660,303
11	126	$164,285	$44,183	$120,102	$24,540,201
11	127	$164,285	$43,968	$120,317	$24,419,883
11	128	$164,285	$43,752	$120,533	$24,299,351
11	129	$164,285	$43,536	$120,749	$24,178,602
11	130	$164,285	$43,320	$120,965	$24,057,636
11	131	$164,285	$43,103	$121,182	$23,936,454
11	132	$164,285	$42,886	$121,399	$23,815,055
12	133	$164,285	$42,669	$121,617	$23,693,439
12	134	$164,285	$42,451	$121,835	$23,571,604
12	135	$164,285	$42,232	$122,053	$23,449,551
12	136	$164,285	$42,014	$122,271	$23,327,280
12	137	$164,285	$41,795	$122,491	$23,204,789
12	138	$164,285	$41,575	$122,710	$23,082,079
12	139	$164,285	$41,355	$122,930	$22,959,149
12	140	$164,285	$41,135	$123,150	$22,835,999
12	141	$164,285	$40,914	$123,371	$22,712,628
12	142	$164,285	$40,693	$123,592	$22,589,037
12	143	$164,285	$40,472	$123,813	$22,465,223
12	144	$164,285	$40,250	$124,035	$22,341,188
13	145	$164,285	$40,028	$124,257	$22,216,931
13	146	$164,285	$39,805	$124,480	$22,092,451
13	147	$164,285	$39,582	$124,703	$21,967,748
13	148	$164,285	$39,359	$124,926	$21,842,822
13	149	$164,285	$39,135	$125,150	$21,717,672
13	150	$164,285	$38,911	$125,374	$21,592,297
13	151	$164,285	$38,686	$125,599	$21,466,698
13	152	$164,285	$38,461	$125,824	$21,340,874
13	153	$164,285	$38,236	$126,050	$21,214,825
13	154	$164,285	$38,010	$126,275	$21,088,549
13	155	$164,285	$37,784	$126,502	$20,962,048
13	156	$164,285	$37,557	$126,728	$20,835,319
14	157	$164,285	$37,330	$126,955	$20,708,364
14	158	$164,285	$37,102	$127,183	$20,581,181
14	159	$164,285	$36,875	$127,411	$20,453,771
14	160	$164,285	$36,646	$127,639	$20,326,132
14	161	$164,285	$36,418	$127,868	$20,198,264
14	162	$164,285	$36,189	$128,097	$20,070,167
14	163	$164,285	$35,959	$128,326	$19,941,841
14	164	$164,285	$35,729	$128,556	$19,813,285
14	165	$164,285	$35,499	$128,786	$19,684,499
14	166	$164,285	$35,268	$129,017	$19,555,481
14	167	$164,285	$35,037	$129,248	$19,426,233
14	168	$164,285	$34,805	$129,480	$19,296,753
15	169	$164,285	$34,573	$129,712	$19,167,041
15	170	$164,285	$34,341	$129,944	$19,037,097
15	171	$164,285	$34,108	$130,177	$18,906,920
15	172	$164,285	$33,875	$130,410	$18,776,509
15	173	$164,285	$33,641	$130,644	$18,645,865
15	174	$164,285	$33,407	$130,878	$18,514,987
15	175	$164,285	$33,173	$131,113	$18,383,875
15	176	$164,285	$32,938	$131,347	$18,252,527
15	177	$164,285	$32,702	$131,583	$18,120,944
15	178	$164,285	$32,467	$131,819	$17,989,126
15	179	$164,285	$32,231	$132,055	$17,857,071
15	180	$164,285	$31,994	$132,291	$17,724,780
16	181	$164,285	$31,757	$132,528	$17,592,251
16	182	$164,285	$31,519	$132,766	$17,459,486
16	183	$164,285	$31,282	$133,004	$17,326,482
16	184	$164,285	$31,043	$133,242	$17,193,240
16	185	$164,285	$30,805	$133,481	$17,059,759
16	186	$164,285	$30,565	$133,720	$16,926,039
16	187	$164,285	$30,326	$133,959	$16,792,080
16	188	$164,285	$30,086	$134,199	$16,657,880
16	189	$164,285	$29,845	$134,440	$16,523,441
16	190	$164,285	$29,604	$134,681	$16,388,760
16	191	$164,285	$29,363	$134,922	$16,253,838
16	192	$164,285	$29,121	$135,164	$16,118,674
17	193	$164,285	$28,879	$135,406	$15,983,268
17	194	$164,285	$28,637	$135,649	$15,847,619
17	195	$164,285	$28,394	$135,892	$15,711,728
17	196	$164,285	$28,150	$136,135	$15,575,593
17	197	$164,285	$27,906	$136,379	$15,439,214
17	198	$164,285	$27,662	$136,623	$15,302,590
17	199	$164,285	$27,417	$136,868	$15,165,722
17	200	$164,285	$27,172	$137,113	$15,028,609
17	201	$164,285	$26,926	$137,359	$14,891,250
17	202	$164,285	$26,680	$137,605	$14,753,645
17	203	$164,285	$26,434	$137,852	$14,615,793
17	204	$164,285	$26,187	$138,099	$14,477,695
18	205	$164,285	$25,939	$138,346	$14,339,348
18	206	$164,285	$25,691	$138,594	$14,200,755
18	207	$164,285	$25,443	$138,842	$14,061,912
18	208	$164,285	$25,194	$139,091	$13,922,821
18	209	$164,285	$24,945	$139,340	$13,783,481
18	210	$164,285	$24,695	$139,590	$13,643,891
18	211	$164,285	$24,445	$139,840	$13,504,051
18	212	$164,285	$24,195	$140,091	$13,363,961
18	213	$164,285	$23,944	$140,341	$13,223,619
18	214	$164,285	$23,692	$140,593	$13,083,026
18	215	$164,285	$23,440	$140,845	$12,942,182
18	216	$164,285	$23,188	$141,097	$12,801,084
19	217	$164,285	$22,935	$141,350	$12,659,734
19	218	$164,285	$22,682	$141,603	$12,518,131
19	219	$164,285	$22,428	$141,857	$12,376,274
19	220	$164,285	$22,174	$142,111	$12,234,163
19	221	$164,285	$21,920	$142,366	$12,091,797
19	222	$164,285	$21,664	$142,621	$11,949,177
19	223	$164,285	$21,409	$142,876	$11,806,300
19	224	$164,285	$21,153	$143,132	$11,663,168
19	225	$164,285	$20,897	$143,389	$11,519,779
19	226	$164,285	$20,640	$143,646	$11,376,134
19	227	$164,285	$20,382	$143,903	$11,232,231
19	228	$164,285	$20,124	$144,161	$11,088,070
20	229	$164,285	$19,866	$144,419	$10,943,651
20	230	$164,285	$19,607	$144,678	$10,798,973
20	231	$164,285	$19,348	$144,937	$10,654,036
20	232	$164,285	$19,088	$145,197	$10,508,839
20	233	$164,285	$18,828	$145,457	$10,363,382
20	234	$164,285	$18,568	$145,718	$10,217,664
20	235	$164,285	$18,307	$145,979	$10,071,686
20	236	$164,285	$18,045	$146,240	$9,925,446
20	237	$164,285	$17,783	$146,502	$9,778,943
20	238	$164,285	$17,521	$146,765	$9,632,179
20	239	$164,285	$17,258	$147,028	$9,485,151
20	240	$164,285	$16,994	$147,291	$9,337,860
21	241	$164,285	$16,730	$147,555	$9,190,305
21	242	$164,285	$16,466	$147,819	$9,042,486
21	243	$164,285	$16,201	$148,084	$8,894,402
21	244	$164,285	$15,936	$148,349	$8,746,052
21	245	$164,285	$15,670	$148,615	$8,597,437
21	246	$164,285	$15,404	$148,882	$8,448,556
21	247	$164,285	$15,137	$149,148	$8,299,407
21	248	$164,285	$14,870	$149,415	$8,149,992
21	249	$164,285	$14,602	$149,683	$8,000,309
21	250	$164,285	$14,334	$149,951	$7,850,357
21	251	$164,285	$14,065	$150,220	$7,700,137
21	252	$164,285	$13,796	$150,489	$7,549,648
22	253	$164,285	$13,526	$150,759	$7,398,889
22	254	$164,285	$13,256	$151,029	$7,247,860
22	255	$164,285	$12,986	$151,300	$7,096,561
22	256	$164,285	$12,715	$151,571	$6,944,990
22	257	$164,285	$12,443	$151,842	$6,793,148
22	258	$164,285	$12,171	$152,114	$6,641,034
22	259	$164,285	$11,899	$152,387	$6,488,647
22	260	$164,285	$11,625	$152,660	$6,335,987
22	261	$164,285	$11,352	$152,933	$6,183,054
22	262	$164,285	$11,078	$153,207	$6,029,847
22	263	$164,285	$10,803	$153,482	$5,876,365
22	264	$164,285	$10,528	$153,757	$5,722,608
23	265	$164,285	$10,253	$154,032	$5,568,576
23	266	$164,285	$9,977	$154,308	$5,414,268
23	267	$164,285	$9,701	$154,585	$5,259,683
23	268	$164,285	$9,424	$154,862	$5,104,821
23	269	$164,285	$9,146	$155,139	$4,949,682
23	270	$164,285	$8,868	$155,417	$4,794,265
23	271	$164,285	$8,590	$155,696	$4,638,570
23	272	$164,285	$8,311	$155,974	$4,482,595
23	273	$164,285	$8,031	$156,254	$4,326,341
23	274	$164,285	$7,751	$156,534	$4,169,807
23	275	$164,285	$7,471	$156,814	$4,012,993
23	276	$164,285	$7,190	$157,095	$3,855,898
24	277	$164,285	$6,908	$157,377	$3,698,521
24	278	$164,285	$6,627	$157,659	$3,540,862
24	279	$164,285	$6,344	$157,941	$3,382,921
24	280	$164,285	$6,061	$158,224	$3,224,697
24	281	$164,285	$5,778	$158,508	$3,066,189
24	282	$164,285	$5,494	$158,792	$2,907,397
24	283	$164,285	$5,209	$159,076	$2,748,321
24	284	$164,285	$4,924	$159,361	$2,588,960
24	285	$164,285	$4,639	$159,647	$2,429,313
24	286	$164,285	$4,353	$159,933	$2,269,381
24	287	$164,285	$4,066	$160,219	$2,109,161
24	288	$164,285	$3,779	$160,506	$1,948,655
25	289	$164,285	$3,491	$160,794	$1,787,861
25	290	$164,285	$3,203	$161,082	$1,626,779
25	291	$164,285	$2,915	$161,371	$1,465,408
25	292	$164,285	$2,626	$161,660	$1,303,749
25	293	$164,285	$2,336	$161,949	$1,141,799
25	294	$164,285	$2,046	$162,240	$979,560
25	295	$164,285	$1,755	$162,530	$817,030
25	296	$164,285	$1,464	$162,821	$654,208
25	297	$164,285	$1,172	$163,113	$491,095
25	298	$164,285	$880	$163,405	$327,690
25	299	$164,285	$587	$163,698	$163,991
25	300	$164,285	$294	$163,991	$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$ 25,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 26,035,000

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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.