Century 21 Centaland Property

Down Payment (HKD)

$29,520,000

Monthly Repayment (HKD)

$190,933

Loan Amount (HKD)

$44,280,000

Total Interest (HKD)

$12,999,931

Total Repayment (HKD)

$57,279,931

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$190,933	$79,335	$111,598	$44,168,402
1	2	$190,933	$79,135	$111,798	$44,056,604
1	3	$190,933	$78,935	$111,998	$43,944,605
1	4	$190,933	$78,734	$112,199	$43,832,406
1	5	$190,933	$78,533	$112,400	$43,720,006
1	6	$190,933	$78,332	$112,601	$43,607,405
1	7	$190,933	$78,130	$112,803	$43,494,602
1	8	$190,933	$77,928	$113,005	$43,381,597
1	9	$190,933	$77,725	$113,208	$43,268,389
1	10	$190,933	$77,523	$113,411	$43,154,978
1	11	$190,933	$77,319	$113,614	$43,041,364
1	12	$190,933	$77,116	$113,817	$42,927,547
2	13	$190,933	$76,912	$114,021	$42,813,526
2	14	$190,933	$76,708	$114,226	$42,699,300
2	15	$190,933	$76,503	$114,430	$42,584,870
2	16	$190,933	$76,298	$114,635	$42,470,235
2	17	$190,933	$76,093	$114,841	$42,355,394
2	18	$190,933	$75,887	$115,046	$42,240,348
2	19	$190,933	$75,681	$115,252	$42,125,096
2	20	$190,933	$75,474	$115,459	$42,009,637
2	21	$190,933	$75,267	$115,666	$41,893,971
2	22	$190,933	$75,060	$115,873	$41,778,098
2	23	$190,933	$74,852	$116,081	$41,662,017
2	24	$190,933	$74,644	$116,289	$41,545,728
3	25	$190,933	$74,436	$116,497	$41,429,231
3	26	$190,933	$74,227	$116,706	$41,312,526
3	27	$190,933	$74,018	$116,915	$41,195,611
3	28	$190,933	$73,809	$117,124	$41,078,486
3	29	$190,933	$73,599	$117,334	$40,961,152
3	30	$190,933	$73,389	$117,544	$40,843,608
3	31	$190,933	$73,178	$117,755	$40,725,853
3	32	$190,933	$72,967	$117,966	$40,607,887
3	33	$190,933	$72,756	$118,177	$40,489,710
3	34	$190,933	$72,544	$118,389	$40,371,321
3	35	$190,933	$72,332	$118,601	$40,252,719
3	36	$190,933	$72,119	$118,814	$40,133,906
4	37	$190,933	$71,907	$119,027	$40,014,879
4	38	$190,933	$71,693	$119,240	$39,895,640
4	39	$190,933	$71,480	$119,453	$39,776,186
4	40	$190,933	$71,266	$119,667	$39,656,519
4	41	$190,933	$71,051	$119,882	$39,536,637
4	42	$190,933	$70,836	$120,097	$39,416,540
4	43	$190,933	$70,621	$120,312	$39,296,228
4	44	$190,933	$70,406	$120,527	$39,175,701
4	45	$190,933	$70,190	$120,743	$39,054,958
4	46	$190,933	$69,973	$120,960	$38,933,998
4	47	$190,933	$69,757	$121,176	$38,812,822
4	48	$190,933	$69,540	$121,393	$38,691,428
5	49	$190,933	$69,322	$121,611	$38,569,817
5	50	$190,933	$69,104	$121,829	$38,447,988
5	51	$190,933	$68,886	$122,047	$38,325,941
5	52	$190,933	$68,667	$122,266	$38,203,676
5	53	$190,933	$68,448	$122,485	$38,081,191
5	54	$190,933	$68,229	$122,704	$37,958,486
5	55	$190,933	$68,009	$122,924	$37,835,562
5	56	$190,933	$67,789	$123,144	$37,712,418
5	57	$190,933	$67,568	$123,365	$37,589,053
5	58	$190,933	$67,347	$123,586	$37,465,467
5	59	$190,933	$67,126	$123,807	$37,341,659
5	60	$190,933	$66,904	$124,029	$37,217,630
6	61	$190,933	$66,682	$124,252	$37,093,378
6	62	$190,933	$66,459	$124,474	$36,968,904
6	63	$190,933	$66,236	$124,697	$36,844,207
6	64	$190,933	$66,013	$124,921	$36,719,287
6	65	$190,933	$65,789	$125,144	$36,594,142
6	66	$190,933	$65,565	$125,369	$36,468,774
6	67	$190,933	$65,340	$125,593	$36,343,180
6	68	$190,933	$65,115	$125,818	$36,217,362
6	69	$190,933	$64,889	$126,044	$36,091,319
6	70	$190,933	$64,664	$126,269	$35,965,049
6	71	$190,933	$64,437	$126,496	$35,838,553
6	72	$190,933	$64,211	$126,722	$35,711,831
7	73	$190,933	$63,984	$126,949	$35,584,882
7	74	$190,933	$63,756	$127,177	$35,457,705
7	75	$190,933	$63,528	$127,405	$35,330,300
7	76	$190,933	$63,300	$127,633	$35,202,667
7	77	$190,933	$63,071	$127,862	$35,074,805
7	78	$190,933	$62,842	$128,091	$34,946,715
7	79	$190,933	$62,613	$128,320	$34,818,394
7	80	$190,933	$62,383	$128,550	$34,689,844
7	81	$190,933	$62,153	$128,780	$34,561,064
7	82	$190,933	$61,922	$129,011	$34,432,053
7	83	$190,933	$61,691	$129,242	$34,302,810
7	84	$190,933	$61,459	$129,474	$34,173,336
8	85	$190,933	$61,227	$129,706	$34,043,630
8	86	$190,933	$60,995	$129,938	$33,913,692
8	87	$190,933	$60,762	$130,171	$33,783,521
8	88	$190,933	$60,529	$130,404	$33,653,117
8	89	$190,933	$60,295	$130,638	$33,522,479
8	90	$190,933	$60,061	$130,872	$33,391,607
8	91	$190,933	$59,827	$131,106	$33,260,500
8	92	$190,933	$59,592	$131,341	$33,129,159
8	93	$190,933	$59,356	$131,577	$32,997,582
8	94	$190,933	$59,121	$131,812	$32,865,770
8	95	$190,933	$58,885	$132,049	$32,733,721
8	96	$190,933	$58,648	$132,285	$32,601,436
9	97	$190,933	$58,411	$132,522	$32,468,914
9	98	$190,933	$58,173	$132,760	$32,336,154
9	99	$190,933	$57,936	$132,997	$32,203,157
9	100	$190,933	$57,697	$133,236	$32,069,921
9	101	$190,933	$57,459	$133,474	$31,936,446
9	102	$190,933	$57,219	$133,714	$31,802,733
9	103	$190,933	$56,980	$133,953	$31,668,780
9	104	$190,933	$56,740	$134,193	$31,534,586
9	105	$190,933	$56,499	$134,434	$31,400,153
9	106	$190,933	$56,259	$134,674	$31,265,478
9	107	$190,933	$56,017	$134,916	$31,130,562
9	108	$190,933	$55,776	$135,158	$30,995,405
10	109	$190,933	$55,533	$135,400	$30,860,005
10	110	$190,933	$55,291	$135,642	$30,724,363
10	111	$190,933	$55,048	$135,885	$30,588,478
10	112	$190,933	$54,804	$136,129	$30,452,349
10	113	$190,933	$54,560	$136,373	$30,315,976
10	114	$190,933	$54,316	$136,617	$30,179,359
10	115	$190,933	$54,071	$136,862	$30,042,498
10	116	$190,933	$53,826	$137,107	$29,905,391
10	117	$190,933	$53,580	$137,353	$29,768,038
10	118	$190,933	$53,334	$137,599	$29,630,439
10	119	$190,933	$53,088	$137,845	$29,492,594
10	120	$190,933	$52,841	$138,092	$29,354,502
11	121	$190,933	$52,593	$138,340	$29,216,162
11	122	$190,933	$52,346	$138,587	$29,077,575
11	123	$190,933	$52,097	$138,836	$28,938,739
11	124	$190,933	$51,849	$139,085	$28,799,654
11	125	$190,933	$51,599	$139,334	$28,660,321
11	126	$190,933	$51,350	$139,583	$28,520,737
11	127	$190,933	$51,100	$139,833	$28,380,904
11	128	$190,933	$50,849	$140,084	$28,240,820
11	129	$190,933	$50,598	$140,335	$28,100,485
11	130	$190,933	$50,347	$140,586	$27,959,899
11	131	$190,933	$50,095	$140,838	$27,819,060
11	132	$190,933	$49,842	$141,091	$27,677,970
12	133	$190,933	$49,590	$141,343	$27,536,626
12	134	$190,933	$49,336	$141,597	$27,395,030
12	135	$190,933	$49,083	$141,850	$27,253,179
12	136	$190,933	$48,829	$142,104	$27,111,075
12	137	$190,933	$48,574	$142,359	$26,968,716
12	138	$190,933	$48,319	$142,614	$26,826,102
12	139	$190,933	$48,063	$142,870	$26,683,232
12	140	$190,933	$47,807	$143,126	$26,540,106
12	141	$190,933	$47,551	$143,382	$26,396,724
12	142	$190,933	$47,294	$143,639	$26,253,085
12	143	$190,933	$47,037	$143,896	$26,109,189
12	144	$190,933	$46,779	$144,154	$25,965,035
13	145	$190,933	$46,521	$144,412	$25,820,622
13	146	$190,933	$46,262	$144,671	$25,675,951
13	147	$190,933	$46,003	$144,930	$25,531,021
13	148	$190,933	$45,743	$145,190	$25,385,831
13	149	$190,933	$45,483	$145,450	$25,240,381
13	150	$190,933	$45,222	$145,711	$25,094,670
13	151	$190,933	$44,961	$145,972	$24,948,698
13	152	$190,933	$44,700	$146,233	$24,802,465
13	153	$190,933	$44,438	$146,495	$24,655,969
13	154	$190,933	$44,175	$146,758	$24,509,211
13	155	$190,933	$43,912	$147,021	$24,362,191
13	156	$190,933	$43,649	$147,284	$24,214,907
14	157	$190,933	$43,385	$147,548	$24,067,358
14	158	$190,933	$43,121	$147,812	$23,919,546
14	159	$190,933	$42,856	$148,077	$23,771,469
14	160	$190,933	$42,591	$148,343	$23,623,126
14	161	$190,933	$42,325	$148,608	$23,474,518
14	162	$190,933	$42,059	$148,875	$23,325,643
14	163	$190,933	$41,792	$149,141	$23,176,502
14	164	$190,933	$41,525	$149,409	$23,027,093
14	165	$190,933	$41,257	$149,676	$22,877,417
14	166	$190,933	$40,989	$149,944	$22,727,473
14	167	$190,933	$40,720	$150,213	$22,577,260
14	168	$190,933	$40,451	$150,482	$22,426,778
15	169	$190,933	$40,181	$150,752	$22,276,026
15	170	$190,933	$39,911	$151,022	$22,125,004
15	171	$190,933	$39,641	$151,292	$21,973,711
15	172	$190,933	$39,370	$151,564	$21,822,148
15	173	$190,933	$39,098	$151,835	$21,670,313
15	174	$190,933	$38,826	$152,107	$21,518,206
15	175	$190,933	$38,553	$152,380	$21,365,826
15	176	$190,933	$38,280	$152,653	$21,213,173
15	177	$190,933	$38,007	$152,926	$21,060,247
15	178	$190,933	$37,733	$153,200	$20,907,047
15	179	$190,933	$37,458	$153,475	$20,753,572
15	180	$190,933	$37,183	$153,750	$20,599,823
16	181	$190,933	$36,908	$154,025	$20,445,798
16	182	$190,933	$36,632	$154,301	$20,291,497
16	183	$190,933	$36,356	$154,578	$20,136,919
16	184	$190,933	$36,079	$154,854	$19,982,065
16	185	$190,933	$35,801	$155,132	$19,826,933
16	186	$190,933	$35,523	$155,410	$19,671,523
16	187	$190,933	$35,245	$155,688	$19,515,835
16	188	$190,933	$34,966	$155,967	$19,359,867
16	189	$190,933	$34,686	$156,247	$19,203,621
16	190	$190,933	$34,406	$156,527	$19,047,094
16	191	$190,933	$34,126	$156,807	$18,890,287
16	192	$190,933	$33,845	$157,088	$18,733,199
17	193	$190,933	$33,564	$157,369	$18,575,830
17	194	$190,933	$33,282	$157,651	$18,418,178
17	195	$190,933	$32,999	$157,934	$18,260,244
17	196	$190,933	$32,716	$158,217	$18,102,027
17	197	$190,933	$32,433	$158,500	$17,943,527
17	198	$190,933	$32,149	$158,784	$17,784,743
17	199	$190,933	$31,864	$159,069	$17,625,674
17	200	$190,933	$31,579	$159,354	$17,466,320
17	201	$190,933	$31,294	$159,639	$17,306,681
17	202	$190,933	$31,008	$159,925	$17,146,756
17	203	$190,933	$30,721	$160,212	$16,986,544
17	204	$190,933	$30,434	$160,499	$16,826,045
18	205	$190,933	$30,147	$160,786	$16,665,259
18	206	$190,933	$29,859	$161,075	$16,504,184
18	207	$190,933	$29,570	$161,363	$16,342,821
18	208	$190,933	$29,281	$161,652	$16,181,169
18	209	$190,933	$28,991	$161,942	$16,019,227
18	210	$190,933	$28,701	$162,232	$15,856,995
18	211	$190,933	$28,410	$162,523	$15,694,472
18	212	$190,933	$28,119	$162,814	$15,531,658
18	213	$190,933	$27,828	$163,106	$15,368,553
18	214	$190,933	$27,535	$163,398	$15,205,155
18	215	$190,933	$27,243	$163,691	$15,041,465
18	216	$190,933	$26,949	$163,984	$14,877,481
19	217	$190,933	$26,655	$164,278	$14,713,203
19	218	$190,933	$26,361	$164,572	$14,548,631
19	219	$190,933	$26,066	$164,867	$14,383,764
19	220	$190,933	$25,771	$165,162	$14,218,602
19	221	$190,933	$25,475	$165,458	$14,053,144
19	222	$190,933	$25,179	$165,755	$13,887,389
19	223	$190,933	$24,882	$166,052	$13,721,338
19	224	$190,933	$24,584	$166,349	$13,554,989
19	225	$190,933	$24,286	$166,647	$13,388,342
19	226	$190,933	$23,987	$166,946	$13,221,396
19	227	$190,933	$23,688	$167,245	$13,054,151
19	228	$190,933	$23,389	$167,544	$12,886,607
20	229	$190,933	$23,089	$167,845	$12,718,762
20	230	$190,933	$22,788	$168,145	$12,550,617
20	231	$190,933	$22,487	$168,447	$12,382,170
20	232	$190,933	$22,185	$168,748	$12,213,422
20	233	$190,933	$21,882	$169,051	$12,044,371
20	234	$190,933	$21,579	$169,354	$11,875,018
20	235	$190,933	$21,276	$169,657	$11,705,361
20	236	$190,933	$20,972	$169,961	$11,535,400
20	237	$190,933	$20,668	$170,266	$11,365,134
20	238	$190,933	$20,363	$170,571	$11,194,564
20	239	$190,933	$20,057	$170,876	$11,023,687
20	240	$190,933	$19,751	$171,182	$10,852,505
21	241	$190,933	$19,444	$171,489	$10,681,016
21	242	$190,933	$19,137	$171,796	$10,509,220
21	243	$190,933	$18,829	$172,104	$10,337,116
21	244	$190,933	$18,521	$172,412	$10,164,703
21	245	$190,933	$18,212	$172,721	$9,991,982
21	246	$190,933	$17,902	$173,031	$9,818,951
21	247	$190,933	$17,592	$173,341	$9,645,610
21	248	$190,933	$17,282	$173,651	$9,471,959
21	249	$190,933	$16,971	$173,963	$9,297,996
21	250	$190,933	$16,659	$174,274	$9,123,722
21	251	$190,933	$16,347	$174,586	$8,949,136
21	252	$190,933	$16,034	$174,899	$8,774,237
22	253	$190,933	$15,721	$175,213	$8,599,024
22	254	$190,933	$15,407	$175,527	$8,423,497
22	255	$190,933	$15,092	$175,841	$8,247,656
22	256	$190,933	$14,777	$176,156	$8,071,500
22	257	$190,933	$14,461	$176,472	$7,895,029
22	258	$190,933	$14,145	$176,788	$7,718,241
22	259	$190,933	$13,829	$177,105	$7,541,136
22	260	$190,933	$13,511	$177,422	$7,363,714
22	261	$190,933	$13,193	$177,740	$7,185,975
22	262	$190,933	$12,875	$178,058	$7,007,916
22	263	$190,933	$12,556	$178,377	$6,829,539
22	264	$190,933	$12,236	$178,697	$6,650,842
23	265	$190,933	$11,916	$179,017	$6,471,825
23	266	$190,933	$11,595	$179,338	$6,292,488
23	267	$190,933	$11,274	$179,659	$6,112,828
23	268	$190,933	$10,952	$179,981	$5,932,848
23	269	$190,933	$10,630	$180,303	$5,752,544
23	270	$190,933	$10,307	$180,626	$5,571,918
23	271	$190,933	$9,983	$180,950	$5,390,968
23	272	$190,933	$9,659	$181,274	$5,209,693
23	273	$190,933	$9,334	$181,599	$5,028,094
23	274	$190,933	$9,009	$181,924	$4,846,170
23	275	$190,933	$8,683	$182,250	$4,663,919
23	276	$190,933	$8,356	$182,577	$4,481,342
24	277	$190,933	$8,029	$182,904	$4,298,438
24	278	$190,933	$7,701	$183,232	$4,115,207
24	279	$190,933	$7,373	$183,560	$3,931,647
24	280	$190,933	$7,044	$183,889	$3,747,758
24	281	$190,933	$6,715	$184,218	$3,563,539
24	282	$190,933	$6,385	$184,548	$3,378,991
24	283	$190,933	$6,054	$184,879	$3,194,112
24	284	$190,933	$5,723	$185,210	$3,008,902
24	285	$190,933	$5,391	$185,542	$2,823,359
24	286	$190,933	$5,059	$185,875	$2,637,485
24	287	$190,933	$4,725	$186,208	$2,451,277
24	288	$190,933	$4,392	$186,541	$2,264,736
25	289	$190,933	$4,058	$186,875	$2,077,861
25	290	$190,933	$3,723	$187,210	$1,890,650
25	291	$190,933	$3,387	$187,546	$1,703,105
25	292	$190,933	$3,051	$187,882	$1,515,223
25	293	$190,933	$2,715	$188,218	$1,327,005
25	294	$190,933	$2,378	$188,556	$1,138,449
25	295	$190,933	$2,040	$188,893	$949,556
25	296	$190,933	$1,701	$189,232	$760,324
25	297	$190,933	$1,362	$189,571	$570,753
25	298	$190,933	$1,023	$189,911	$380,842
25	299	$190,933	$682	$190,251	$190,592
25	300	$190,933	$341	$190,592	$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$ 29,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 30,258,000

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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.