Century 21 Centaland Property

Down Payment (HKD)

$14,720,000

Monthly Repayment (HKD)

$95,208

Loan Amount (HKD)

$22,080,000

Total Interest (HKD)

$6,482,351

Total Repayment (HKD)

$28,562,351

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$95,208	$39,560	$55,648	$22,024,352
1	2	$95,208	$39,460	$55,748	$21,968,605
1	3	$95,208	$39,360	$55,847	$21,912,757
1	4	$95,208	$39,260	$55,947	$21,856,810
1	5	$95,208	$39,160	$56,048	$21,800,762
1	6	$95,208	$39,060	$56,148	$21,744,614
1	7	$95,208	$38,959	$56,249	$21,688,365
1	8	$95,208	$38,858	$56,350	$21,632,016
1	9	$95,208	$38,757	$56,450	$21,575,565
1	10	$95,208	$38,656	$56,552	$21,519,014
1	11	$95,208	$38,555	$56,653	$21,462,361
1	12	$95,208	$38,453	$56,754	$21,405,606
2	13	$95,208	$38,352	$56,856	$21,348,750
2	14	$95,208	$38,250	$56,958	$21,291,792
2	15	$95,208	$38,148	$57,060	$21,234,732
2	16	$95,208	$38,046	$57,162	$21,177,570
2	17	$95,208	$37,943	$57,265	$21,120,305
2	18	$95,208	$37,841	$57,367	$21,062,938
2	19	$95,208	$37,738	$57,470	$21,005,468
2	20	$95,208	$37,635	$57,573	$20,947,895
2	21	$95,208	$37,532	$57,676	$20,890,218
2	22	$95,208	$37,428	$57,780	$20,832,439
2	23	$95,208	$37,325	$57,883	$20,774,556
2	24	$95,208	$37,221	$57,987	$20,716,569
3	25	$95,208	$37,117	$58,091	$20,658,478
3	26	$95,208	$37,013	$58,195	$20,600,284
3	27	$95,208	$36,909	$58,299	$20,541,985
3	28	$95,208	$36,804	$58,403	$20,483,581
3	29	$95,208	$36,700	$58,508	$20,425,073
3	30	$95,208	$36,595	$58,613	$20,366,460
3	31	$95,208	$36,490	$58,718	$20,307,742
3	32	$95,208	$36,385	$58,823	$20,248,919
3	33	$95,208	$36,279	$58,929	$20,189,991
3	34	$95,208	$36,174	$59,034	$20,130,957
3	35	$95,208	$36,068	$59,140	$20,071,817
3	36	$95,208	$35,962	$59,246	$20,012,571
4	37	$95,208	$35,856	$59,352	$19,953,219
4	38	$95,208	$35,750	$59,458	$19,893,761
4	39	$95,208	$35,643	$59,565	$19,834,196
4	40	$95,208	$35,536	$59,672	$19,774,524
4	41	$95,208	$35,429	$59,778	$19,714,746
4	42	$95,208	$35,322	$59,886	$19,654,860
4	43	$95,208	$35,215	$59,993	$19,594,867
4	44	$95,208	$35,107	$60,100	$19,534,767
4	45	$95,208	$35,000	$60,208	$19,474,559
4	46	$95,208	$34,892	$60,316	$19,414,243
4	47	$95,208	$34,784	$60,424	$19,353,819
4	48	$95,208	$34,676	$60,532	$19,293,287
5	49	$95,208	$34,567	$60,641	$19,232,646
5	50	$95,208	$34,458	$60,749	$19,171,897
5	51	$95,208	$34,350	$60,858	$19,111,038
5	52	$95,208	$34,241	$60,967	$19,050,071
5	53	$95,208	$34,131	$61,076	$18,988,995
5	54	$95,208	$34,022	$61,186	$18,927,809
5	55	$95,208	$33,912	$61,296	$18,866,513
5	56	$95,208	$33,803	$61,405	$18,805,108
5	57	$95,208	$33,692	$61,515	$18,743,593
5	58	$95,208	$33,582	$61,626	$18,681,967
5	59	$95,208	$33,472	$61,736	$18,620,231
5	60	$95,208	$33,361	$61,847	$18,558,385
6	61	$95,208	$33,250	$61,957	$18,496,427
6	62	$95,208	$33,139	$62,068	$18,434,359
6	63	$95,208	$33,028	$62,180	$18,372,179
6	64	$95,208	$32,917	$62,291	$18,309,888
6	65	$95,208	$32,805	$62,403	$18,247,486
6	66	$95,208	$32,693	$62,514	$18,184,971
6	67	$95,208	$32,581	$62,626	$18,122,345
6	68	$95,208	$32,469	$62,739	$18,059,606
6	69	$95,208	$32,357	$62,851	$17,996,755
6	70	$95,208	$32,244	$62,964	$17,933,791
6	71	$95,208	$32,131	$63,076	$17,870,715
6	72	$95,208	$32,018	$63,189	$17,807,525
7	73	$95,208	$31,905	$63,303	$17,744,223
7	74	$95,208	$31,792	$63,416	$17,680,807
7	75	$95,208	$31,678	$63,530	$17,617,277
7	76	$95,208	$31,564	$63,644	$17,553,633
7	77	$95,208	$31,450	$63,758	$17,489,876
7	78	$95,208	$31,336	$63,872	$17,426,004
7	79	$95,208	$31,222	$63,986	$17,362,018
7	80	$95,208	$31,107	$64,101	$17,297,917
7	81	$95,208	$30,992	$64,216	$17,233,701
7	82	$95,208	$30,877	$64,331	$17,169,370
7	83	$95,208	$30,762	$64,446	$17,104,924
7	84	$95,208	$30,646	$64,562	$17,040,363
8	85	$95,208	$30,531	$64,677	$16,975,686
8	86	$95,208	$30,415	$64,793	$16,910,893
8	87	$95,208	$30,299	$64,909	$16,845,983
8	88	$95,208	$30,182	$65,025	$16,780,958
8	89	$95,208	$30,066	$65,142	$16,715,816
8	90	$95,208	$29,949	$65,259	$16,650,557
8	91	$95,208	$29,832	$65,376	$16,585,182
8	92	$95,208	$29,715	$65,493	$16,519,689
8	93	$95,208	$29,598	$65,610	$16,454,079
8	94	$95,208	$29,480	$65,728	$16,388,351
8	95	$95,208	$29,362	$65,845	$16,322,506
8	96	$95,208	$29,244	$65,963	$16,256,543
9	97	$95,208	$29,126	$66,082	$16,190,461
9	98	$95,208	$29,008	$66,200	$16,124,261
9	99	$95,208	$28,889	$66,319	$16,057,943
9	100	$95,208	$28,770	$66,437	$15,991,505
9	101	$95,208	$28,651	$66,556	$15,924,949
9	102	$95,208	$28,532	$66,676	$15,858,273
9	103	$95,208	$28,413	$66,795	$15,791,478
9	104	$95,208	$28,293	$66,915	$15,724,563
9	105	$95,208	$28,173	$67,035	$15,657,529
9	106	$95,208	$28,053	$67,155	$15,590,374
9	107	$95,208	$27,933	$67,275	$15,523,099
9	108	$95,208	$27,812	$67,396	$15,455,703
10	109	$95,208	$27,691	$67,516	$15,388,187
10	110	$95,208	$27,571	$67,637	$15,320,550
10	111	$95,208	$27,449	$67,759	$15,252,791
10	112	$95,208	$27,328	$67,880	$15,184,911
10	113	$95,208	$27,206	$68,002	$15,116,910
10	114	$95,208	$27,084	$68,123	$15,048,786
10	115	$95,208	$26,962	$68,245	$14,980,541
10	116	$95,208	$26,840	$68,368	$14,912,173
10	117	$95,208	$26,718	$68,490	$14,843,683
10	118	$95,208	$26,595	$68,613	$14,775,070
10	119	$95,208	$26,472	$68,736	$14,706,334
10	120	$95,208	$26,349	$68,859	$14,637,475
11	121	$95,208	$26,225	$68,982	$14,568,493
11	122	$95,208	$26,102	$69,106	$14,499,387
11	123	$95,208	$25,978	$69,230	$14,430,157
11	124	$95,208	$25,854	$69,354	$14,360,803
11	125	$95,208	$25,730	$69,478	$14,291,325
11	126	$95,208	$25,605	$69,603	$14,221,723
11	127	$95,208	$25,481	$69,727	$14,151,995
11	128	$95,208	$25,356	$69,852	$14,082,143
11	129	$95,208	$25,231	$69,977	$14,012,166
11	130	$95,208	$25,105	$70,103	$13,942,063
11	131	$95,208	$24,980	$70,228	$13,871,835
11	132	$95,208	$24,854	$70,354	$13,801,481
12	133	$95,208	$24,728	$70,480	$13,731,001
12	134	$95,208	$24,601	$70,606	$13,660,394
12	135	$95,208	$24,475	$70,733	$13,589,661
12	136	$95,208	$24,348	$70,860	$13,518,802
12	137	$95,208	$24,221	$70,987	$13,447,815
12	138	$95,208	$24,094	$71,114	$13,376,701
12	139	$95,208	$23,967	$71,241	$13,305,460
12	140	$95,208	$23,839	$71,369	$13,234,091
12	141	$95,208	$23,711	$71,497	$13,162,594
12	142	$95,208	$23,583	$71,625	$13,090,969
12	143	$95,208	$23,455	$71,753	$13,019,216
12	144	$95,208	$23,326	$71,882	$12,947,334
13	145	$95,208	$23,197	$72,011	$12,875,324
13	146	$95,208	$23,068	$72,140	$12,803,184
13	147	$95,208	$22,939	$72,269	$12,730,916
13	148	$95,208	$22,810	$72,398	$12,658,517
13	149	$95,208	$22,680	$72,528	$12,585,989
13	150	$95,208	$22,550	$72,658	$12,513,331
13	151	$95,208	$22,420	$72,788	$12,440,543
13	152	$95,208	$22,289	$72,919	$12,367,625
13	153	$95,208	$22,159	$73,049	$12,294,575
13	154	$95,208	$22,028	$73,180	$12,221,395
13	155	$95,208	$21,897	$73,311	$12,148,084
13	156	$95,208	$21,765	$73,443	$12,074,642
14	157	$95,208	$21,634	$73,574	$12,001,068
14	158	$95,208	$21,502	$73,706	$11,927,362
14	159	$95,208	$21,370	$73,838	$11,853,524
14	160	$95,208	$21,238	$73,970	$11,779,553
14	161	$95,208	$21,105	$74,103	$11,705,451
14	162	$95,208	$20,972	$74,236	$11,631,215
14	163	$95,208	$20,839	$74,369	$11,556,847
14	164	$95,208	$20,706	$74,502	$11,482,345
14	165	$95,208	$20,573	$74,635	$11,407,709
14	166	$95,208	$20,439	$74,769	$11,332,940
14	167	$95,208	$20,305	$74,903	$11,258,037
14	168	$95,208	$20,171	$75,037	$11,183,000
15	169	$95,208	$20,036	$75,172	$11,107,829
15	170	$95,208	$19,902	$75,306	$11,032,522
15	171	$95,208	$19,767	$75,441	$10,957,081
15	172	$95,208	$19,631	$75,576	$10,881,505
15	173	$95,208	$19,496	$75,712	$10,805,793
15	174	$95,208	$19,360	$75,847	$10,729,945
15	175	$95,208	$19,224	$75,983	$10,653,962
15	176	$95,208	$19,088	$76,119	$10,577,843
15	177	$95,208	$18,952	$76,256	$10,501,587
15	178	$95,208	$18,815	$76,392	$10,425,194
15	179	$95,208	$18,678	$76,529	$10,348,665
15	180	$95,208	$18,541	$76,666	$10,271,998
16	181	$95,208	$18,404	$76,804	$10,195,194
16	182	$95,208	$18,266	$76,941	$10,118,253
16	183	$95,208	$18,129	$77,079	$10,041,174
16	184	$95,208	$17,990	$77,217	$9,963,956
16	185	$95,208	$17,852	$77,356	$9,886,601
16	186	$95,208	$17,713	$77,494	$9,809,106
16	187	$95,208	$17,575	$77,633	$9,731,473
16	188	$95,208	$17,436	$77,772	$9,653,701
16	189	$95,208	$17,296	$77,912	$9,575,789
16	190	$95,208	$17,157	$78,051	$9,497,738
16	191	$95,208	$17,017	$78,191	$9,419,547
16	192	$95,208	$16,877	$78,331	$9,341,216
17	193	$95,208	$16,736	$78,471	$9,262,744
17	194	$95,208	$16,596	$78,612	$9,184,132
17	195	$95,208	$16,455	$78,753	$9,105,379
17	196	$95,208	$16,314	$78,894	$9,026,485
17	197	$95,208	$16,172	$79,035	$8,947,450
17	198	$95,208	$16,031	$79,177	$8,868,273
17	199	$95,208	$15,889	$79,319	$8,788,954
17	200	$95,208	$15,747	$79,461	$8,709,493
17	201	$95,208	$15,605	$79,603	$8,629,890
17	202	$95,208	$15,462	$79,746	$8,550,144
17	203	$95,208	$15,319	$79,889	$8,470,255
17	204	$95,208	$15,176	$80,032	$8,390,223
18	205	$95,208	$15,032	$80,175	$8,310,048
18	206	$95,208	$14,889	$80,319	$8,229,729
18	207	$95,208	$14,745	$80,463	$8,149,266
18	208	$95,208	$14,601	$80,607	$8,068,659
18	209	$95,208	$14,456	$80,751	$7,987,907
18	210	$95,208	$14,312	$80,896	$7,907,011
18	211	$95,208	$14,167	$81,041	$7,825,970
18	212	$95,208	$14,022	$81,186	$7,744,784
18	213	$95,208	$13,876	$81,332	$7,663,452
18	214	$95,208	$13,730	$81,477	$7,581,974
18	215	$95,208	$13,584	$81,623	$7,500,351
18	216	$95,208	$13,438	$81,770	$7,418,581
19	217	$95,208	$13,292	$81,916	$7,336,665
19	218	$95,208	$13,145	$82,063	$7,254,602
19	219	$95,208	$12,998	$82,210	$7,172,392
19	220	$95,208	$12,851	$82,357	$7,090,035
19	221	$95,208	$12,703	$82,505	$7,007,530
19	222	$95,208	$12,555	$82,653	$6,924,877
19	223	$95,208	$12,407	$82,801	$6,842,076
19	224	$95,208	$12,259	$82,949	$6,759,127
19	225	$95,208	$12,110	$83,098	$6,676,030
19	226	$95,208	$11,961	$83,247	$6,592,783
19	227	$95,208	$11,812	$83,396	$6,509,387
19	228	$95,208	$11,663	$83,545	$6,425,842
20	229	$95,208	$11,513	$83,695	$6,342,147
20	230	$95,208	$11,363	$83,845	$6,258,302
20	231	$95,208	$11,213	$83,995	$6,174,307
20	232	$95,208	$11,062	$84,146	$6,090,162
20	233	$95,208	$10,912	$84,296	$6,005,865
20	234	$95,208	$10,761	$84,447	$5,921,418
20	235	$95,208	$10,609	$84,599	$5,836,819
20	236	$95,208	$10,458	$84,750	$5,752,069
20	237	$95,208	$10,306	$84,902	$5,667,167
20	238	$95,208	$10,154	$85,054	$5,582,113
20	239	$95,208	$10,001	$85,207	$5,496,906
20	240	$95,208	$9,849	$85,359	$5,411,547
21	241	$95,208	$9,696	$85,512	$5,326,035
21	242	$95,208	$9,542	$85,665	$5,240,370
21	243	$95,208	$9,389	$85,819	$5,154,551
21	244	$95,208	$9,235	$85,973	$5,068,578
21	245	$95,208	$9,081	$86,127	$4,982,452
21	246	$95,208	$8,927	$86,281	$4,896,171
21	247	$95,208	$8,772	$86,436	$4,809,735
21	248	$95,208	$8,617	$86,590	$4,723,145
21	249	$95,208	$8,462	$86,746	$4,636,399
21	250	$95,208	$8,307	$86,901	$4,549,498
21	251	$95,208	$8,151	$87,057	$4,462,442
21	252	$95,208	$7,995	$87,213	$4,375,229
22	253	$95,208	$7,839	$87,369	$4,287,860
22	254	$95,208	$7,682	$87,525	$4,200,335
22	255	$95,208	$7,526	$87,682	$4,112,653
22	256	$95,208	$7,369	$87,839	$4,024,813
22	257	$95,208	$7,211	$87,997	$3,936,816
22	258	$95,208	$7,053	$88,154	$3,848,662
22	259	$95,208	$6,896	$88,312	$3,760,350
22	260	$95,208	$6,737	$88,471	$3,671,879
22	261	$95,208	$6,579	$88,629	$3,583,250
22	262	$95,208	$6,420	$88,788	$3,494,462
22	263	$95,208	$6,261	$88,947	$3,405,515
22	264	$95,208	$6,102	$89,106	$3,316,409
23	265	$95,208	$5,942	$89,266	$3,227,143
23	266	$95,208	$5,782	$89,426	$3,137,717
23	267	$95,208	$5,622	$89,586	$3,048,131
23	268	$95,208	$5,461	$89,747	$2,958,385
23	269	$95,208	$5,300	$89,907	$2,868,477
23	270	$95,208	$5,139	$90,068	$2,778,409
23	271	$95,208	$4,978	$90,230	$2,688,179
23	272	$95,208	$4,816	$90,392	$2,597,787
23	273	$95,208	$4,654	$90,553	$2,507,234
23	274	$95,208	$4,492	$90,716	$2,416,518
23	275	$95,208	$4,330	$90,878	$2,325,640
23	276	$95,208	$4,167	$91,041	$2,234,599
24	277	$95,208	$4,004	$91,204	$2,143,395
24	278	$95,208	$3,840	$91,368	$2,052,027
24	279	$95,208	$3,677	$91,531	$1,960,496
24	280	$95,208	$3,513	$91,695	$1,868,801
24	281	$95,208	$3,348	$91,860	$1,776,941
24	282	$95,208	$3,184	$92,024	$1,684,917
24	283	$95,208	$3,019	$92,189	$1,592,728
24	284	$95,208	$2,854	$92,354	$1,500,374
24	285	$95,208	$2,688	$92,520	$1,407,854
24	286	$95,208	$2,522	$92,685	$1,315,169
24	287	$95,208	$2,356	$92,851	$1,222,317
24	288	$95,208	$2,190	$93,018	$1,129,299
25	289	$95,208	$2,023	$93,185	$1,036,115
25	290	$95,208	$1,856	$93,351	$942,763
25	291	$95,208	$1,689	$93,519	$849,245
25	292	$95,208	$1,522	$93,686	$755,558
25	293	$95,208	$1,354	$93,854	$661,704
25	294	$95,208	$1,186	$94,022	$567,682
25	295	$95,208	$1,017	$94,191	$473,491
25	296	$95,208	$848	$94,359	$379,132
25	297	$95,208	$679	$94,529	$284,603
25	298	$95,208	$510	$94,698	$189,905
25	299	$95,208	$340	$94,868	$95,038
25	300	$95,208	$170	$95,038	$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$ 14,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,088,000

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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.