Century 21 Centaland Property

Down Payment (HKD)

$11,800,000

Monthly Repayment (HKD)

$76,321

Loan Amount (HKD)

$17,700,000

Total Interest (HKD)

$5,196,450

Total Repayment (HKD)

$22,896,450

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$76,321	$31,713	$44,609	$17,655,391
1	2	$76,321	$31,633	$44,689	$17,610,702
1	3	$76,321	$31,553	$44,769	$17,565,933
1	4	$76,321	$31,472	$44,849	$17,521,084
1	5	$76,321	$31,392	$44,930	$17,476,154
1	6	$76,321	$31,311	$45,010	$17,431,144
1	7	$76,321	$31,231	$45,091	$17,386,054
1	8	$76,321	$31,150	$45,171	$17,340,882
1	9	$76,321	$31,069	$45,252	$17,295,630
1	10	$76,321	$30,988	$45,333	$17,250,296
1	11	$76,321	$30,907	$45,415	$17,204,881
1	12	$76,321	$30,825	$45,496	$17,159,385
2	13	$76,321	$30,744	$45,578	$17,113,808
2	14	$76,321	$30,662	$45,659	$17,068,149
2	15	$76,321	$30,580	$45,741	$17,022,407
2	16	$76,321	$30,498	$45,823	$16,976,584
2	17	$76,321	$30,416	$45,905	$16,930,679
2	18	$76,321	$30,334	$45,987	$16,884,692
2	19	$76,321	$30,252	$46,070	$16,838,622
2	20	$76,321	$30,169	$46,152	$16,792,470
2	21	$76,321	$30,087	$46,235	$16,746,235
2	22	$76,321	$30,004	$46,318	$16,699,917
2	23	$76,321	$29,921	$46,401	$16,653,516
2	24	$76,321	$29,838	$46,484	$16,607,032
3	25	$76,321	$29,754	$46,567	$16,560,465
3	26	$76,321	$29,671	$46,651	$16,513,814
3	27	$76,321	$29,587	$46,734	$16,467,080
3	28	$76,321	$29,504	$46,818	$16,420,262
3	29	$76,321	$29,420	$46,902	$16,373,360
3	30	$76,321	$29,336	$46,986	$16,326,374
3	31	$76,321	$29,251	$47,070	$16,279,304
3	32	$76,321	$29,167	$47,154	$16,232,150
3	33	$76,321	$29,083	$47,239	$16,184,911
3	34	$76,321	$28,998	$47,324	$16,137,588
3	35	$76,321	$28,913	$47,408	$16,090,179
3	36	$76,321	$28,828	$47,493	$16,042,686
4	37	$76,321	$28,743	$47,578	$15,995,108
4	38	$76,321	$28,658	$47,664	$15,947,444
4	39	$76,321	$28,573	$47,749	$15,899,695
4	40	$76,321	$28,487	$47,835	$15,851,860
4	41	$76,321	$28,401	$47,920	$15,803,940
4	42	$76,321	$28,315	$48,006	$15,755,934
4	43	$76,321	$28,229	$48,092	$15,707,842
4	44	$76,321	$28,143	$48,178	$15,659,664
4	45	$76,321	$28,057	$48,265	$15,611,399
4	46	$76,321	$27,970	$48,351	$15,563,048
4	47	$76,321	$27,884	$48,438	$15,514,610
4	48	$76,321	$27,797	$48,524	$15,466,086
5	49	$76,321	$27,710	$48,611	$15,417,474
5	50	$76,321	$27,623	$48,699	$15,368,776
5	51	$76,321	$27,536	$48,786	$15,319,990
5	52	$76,321	$27,448	$48,873	$15,271,117
5	53	$76,321	$27,361	$48,961	$15,222,156
5	54	$76,321	$27,273	$49,048	$15,173,108
5	55	$76,321	$27,185	$49,136	$15,123,971
5	56	$76,321	$27,097	$49,224	$15,074,747
5	57	$76,321	$27,009	$49,313	$15,025,434
5	58	$76,321	$26,921	$49,401	$14,976,033
5	59	$76,321	$26,832	$49,489	$14,926,544
5	60	$76,321	$26,743	$49,578	$14,876,966
6	61	$76,321	$26,655	$49,667	$14,827,299
6	62	$76,321	$26,566	$49,756	$14,777,543
6	63	$76,321	$26,476	$49,845	$14,727,698
6	64	$76,321	$26,387	$49,934	$14,677,764
6	65	$76,321	$26,298	$50,024	$14,627,740
6	66	$76,321	$26,208	$50,113	$14,577,626
6	67	$76,321	$26,118	$50,203	$14,527,423
6	68	$76,321	$26,028	$50,293	$14,477,130
6	69	$76,321	$25,938	$50,383	$14,426,747
6	70	$76,321	$25,848	$50,474	$14,376,273
6	71	$76,321	$25,757	$50,564	$14,325,709
6	72	$76,321	$25,667	$50,655	$14,275,054
7	73	$76,321	$25,576	$50,745	$14,224,309
7	74	$76,321	$25,485	$50,836	$14,173,473
7	75	$76,321	$25,394	$50,927	$14,122,545
7	76	$76,321	$25,303	$51,019	$14,071,527
7	77	$76,321	$25,211	$51,110	$14,020,417
7	78	$76,321	$25,120	$51,202	$13,969,215
7	79	$76,321	$25,028	$51,293	$13,917,922
7	80	$76,321	$24,936	$51,385	$13,866,537
7	81	$76,321	$24,844	$51,477	$13,815,059
7	82	$76,321	$24,752	$51,570	$13,763,490
7	83	$76,321	$24,660	$51,662	$13,711,828
7	84	$76,321	$24,567	$51,754	$13,660,073
8	85	$76,321	$24,474	$51,847	$13,608,226
8	86	$76,321	$24,381	$51,940	$13,556,286
8	87	$76,321	$24,288	$52,033	$13,504,253
8	88	$76,321	$24,195	$52,126	$13,452,127
8	89	$76,321	$24,102	$52,220	$13,399,907
8	90	$76,321	$24,008	$52,313	$13,347,594
8	91	$76,321	$23,914	$52,407	$13,295,186
8	92	$76,321	$23,821	$52,501	$13,242,685
8	93	$76,321	$23,726	$52,595	$13,190,090
8	94	$76,321	$23,632	$52,689	$13,137,401
8	95	$76,321	$23,538	$52,784	$13,084,618
8	96	$76,321	$23,443	$52,878	$13,031,739
9	97	$76,321	$23,349	$52,973	$12,978,766
9	98	$76,321	$23,254	$53,068	$12,925,699
9	99	$76,321	$23,159	$53,163	$12,872,536
9	100	$76,321	$23,063	$53,258	$12,819,277
9	101	$76,321	$22,968	$53,354	$12,765,924
9	102	$76,321	$22,872	$53,449	$12,712,474
9	103	$76,321	$22,777	$53,545	$12,658,930
9	104	$76,321	$22,681	$53,641	$12,605,289
9	105	$76,321	$22,584	$53,737	$12,551,552
9	106	$76,321	$22,488	$53,833	$12,497,718
9	107	$76,321	$22,392	$53,930	$12,443,789
9	108	$76,321	$22,295	$54,026	$12,389,762
10	109	$76,321	$22,198	$54,123	$12,335,639
10	110	$76,321	$22,101	$54,220	$12,281,419
10	111	$76,321	$22,004	$54,317	$12,227,102
10	112	$76,321	$21,907	$54,415	$12,172,687
10	113	$76,321	$21,809	$54,512	$12,118,175
10	114	$76,321	$21,712	$54,610	$12,063,565
10	115	$76,321	$21,614	$54,708	$12,008,857
10	116	$76,321	$21,516	$54,806	$11,954,052
10	117	$76,321	$21,418	$54,904	$11,899,148
10	118	$76,321	$21,319	$55,002	$11,844,146
10	119	$76,321	$21,221	$55,101	$11,789,045
10	120	$76,321	$21,122	$55,199	$11,733,846
11	121	$76,321	$21,023	$55,298	$11,678,547
11	122	$76,321	$20,924	$55,397	$11,623,150
11	123	$76,321	$20,825	$55,497	$11,567,653
11	124	$76,321	$20,725	$55,596	$11,512,057
11	125	$76,321	$20,626	$55,696	$11,456,361
11	126	$76,321	$20,526	$55,796	$11,400,566
11	127	$76,321	$20,426	$55,895	$11,344,670
11	128	$76,321	$20,326	$55,996	$11,288,675
11	129	$76,321	$20,226	$56,096	$11,232,579
11	130	$76,321	$20,125	$56,196	$11,176,382
11	131	$76,321	$20,024	$56,297	$11,120,085
11	132	$76,321	$19,923	$56,398	$11,063,687
12	133	$76,321	$19,822	$56,499	$11,007,188
12	134	$76,321	$19,721	$56,600	$10,950,588
12	135	$76,321	$19,620	$56,702	$10,893,886
12	136	$76,321	$19,518	$56,803	$10,837,083
12	137	$76,321	$19,416	$56,905	$10,780,178
12	138	$76,321	$19,314	$57,007	$10,723,171
12	139	$76,321	$19,212	$57,109	$10,666,062
12	140	$76,321	$19,110	$57,211	$10,608,850
12	141	$76,321	$19,008	$57,314	$10,551,536
12	142	$76,321	$18,905	$57,417	$10,494,119
12	143	$76,321	$18,802	$57,520	$10,436,600
12	144	$76,321	$18,699	$57,623	$10,378,977
13	145	$76,321	$18,596	$57,726	$10,321,251
13	146	$76,321	$18,492	$57,829	$10,263,422
13	147	$76,321	$18,389	$57,933	$10,205,489
13	148	$76,321	$18,285	$58,037	$10,147,453
13	149	$76,321	$18,181	$58,141	$10,089,312
13	150	$76,321	$18,077	$58,245	$10,031,067
13	151	$76,321	$17,972	$58,349	$9,972,718
13	152	$76,321	$17,868	$58,454	$9,914,264
13	153	$76,321	$17,763	$58,558	$9,855,706
13	154	$76,321	$17,658	$58,663	$9,797,043
13	155	$76,321	$17,553	$58,768	$9,738,274
13	156	$76,321	$17,448	$58,874	$9,679,400
14	157	$76,321	$17,342	$58,979	$9,620,421
14	158	$76,321	$17,237	$59,085	$9,561,336
14	159	$76,321	$17,131	$59,191	$9,502,145
14	160	$76,321	$17,025	$59,297	$9,442,849
14	161	$76,321	$16,918	$59,403	$9,383,445
14	162	$76,321	$16,812	$59,509	$9,323,936
14	163	$76,321	$16,705	$59,616	$9,264,320
14	164	$76,321	$16,599	$59,723	$9,204,597
14	165	$76,321	$16,492	$59,830	$9,144,767
14	166	$76,321	$16,384	$59,937	$9,084,830
14	167	$76,321	$16,277	$60,045	$9,024,785
14	168	$76,321	$16,169	$60,152	$8,964,633
15	169	$76,321	$16,062	$60,260	$8,904,373
15	170	$76,321	$15,954	$60,368	$8,844,006
15	171	$76,321	$15,846	$60,476	$8,783,530
15	172	$76,321	$15,737	$60,584	$8,722,945
15	173	$76,321	$15,629	$60,693	$8,662,252
15	174	$76,321	$15,520	$60,802	$8,601,451
15	175	$76,321	$15,411	$60,911	$8,540,540
15	176	$76,321	$15,302	$61,020	$8,479,521
15	177	$76,321	$15,192	$61,129	$8,418,391
15	178	$76,321	$15,083	$61,239	$8,357,153
15	179	$76,321	$14,973	$61,348	$8,295,805
15	180	$76,321	$14,863	$61,458	$8,234,346
16	181	$76,321	$14,753	$61,568	$8,172,778
16	182	$76,321	$14,643	$61,679	$8,111,100
16	183	$76,321	$14,532	$61,789	$8,049,310
16	184	$76,321	$14,422	$61,900	$7,987,411
16	185	$76,321	$14,311	$62,011	$7,925,400
16	186	$76,321	$14,200	$62,122	$7,863,278
16	187	$76,321	$14,088	$62,233	$7,801,045
16	188	$76,321	$13,977	$62,345	$7,738,700
16	189	$76,321	$13,865	$62,456	$7,676,244
16	190	$76,321	$13,753	$62,568	$7,613,676
16	191	$76,321	$13,641	$62,680	$7,550,995
16	192	$76,321	$13,529	$62,793	$7,488,203
17	193	$76,321	$13,416	$62,905	$7,425,298
17	194	$76,321	$13,304	$63,018	$7,362,280
17	195	$76,321	$13,191	$63,131	$7,299,149
17	196	$76,321	$13,078	$63,244	$7,235,905
17	197	$76,321	$12,964	$63,357	$7,172,548
17	198	$76,321	$12,851	$63,471	$7,109,077
17	199	$76,321	$12,737	$63,584	$7,045,493
17	200	$76,321	$12,623	$63,698	$6,981,795
17	201	$76,321	$12,509	$63,812	$6,917,982
17	202	$76,321	$12,395	$63,927	$6,854,055
17	203	$76,321	$12,280	$64,041	$6,790,014
17	204	$76,321	$12,165	$64,156	$6,725,858
18	205	$76,321	$12,050	$64,271	$6,661,587
18	206	$76,321	$11,935	$64,386	$6,597,201
18	207	$76,321	$11,820	$64,502	$6,532,699
18	208	$76,321	$11,704	$64,617	$6,468,082
18	209	$76,321	$11,589	$64,733	$6,403,349
18	210	$76,321	$11,473	$64,849	$6,338,501
18	211	$76,321	$11,356	$64,965	$6,273,536
18	212	$76,321	$11,240	$65,081	$6,208,454
18	213	$76,321	$11,123	$65,198	$6,143,256
18	214	$76,321	$11,007	$65,315	$6,077,941
18	215	$76,321	$10,890	$65,432	$6,012,510
18	216	$76,321	$10,772	$65,549	$5,946,960
19	217	$76,321	$10,655	$65,667	$5,881,294
19	218	$76,321	$10,537	$65,784	$5,815,510
19	219	$76,321	$10,419	$65,902	$5,749,608
19	220	$76,321	$10,301	$66,020	$5,683,588
19	221	$76,321	$10,183	$66,138	$5,617,449
19	222	$76,321	$10,065	$66,257	$5,551,192
19	223	$76,321	$9,946	$66,376	$5,484,817
19	224	$76,321	$9,827	$66,495	$5,418,322
19	225	$76,321	$9,708	$66,614	$5,351,708
19	226	$76,321	$9,588	$66,733	$5,284,975
19	227	$76,321	$9,469	$66,853	$5,218,123
19	228	$76,321	$9,349	$66,972	$5,151,150
20	229	$76,321	$9,229	$67,092	$5,084,058
20	230	$76,321	$9,109	$67,213	$5,016,846
20	231	$76,321	$8,989	$67,333	$4,949,513
20	232	$76,321	$8,868	$67,454	$4,882,059
20	233	$76,321	$8,747	$67,574	$4,814,484
20	234	$76,321	$8,626	$67,696	$4,746,789
20	235	$76,321	$8,505	$67,817	$4,678,972
20	236	$76,321	$8,383	$67,938	$4,611,034
20	237	$76,321	$8,261	$68,060	$4,542,974
20	238	$76,321	$8,139	$68,182	$4,474,792
20	239	$76,321	$8,017	$68,304	$4,406,488
20	240	$76,321	$7,895	$68,427	$4,338,061
21	241	$76,321	$7,772	$68,549	$4,269,512
21	242	$76,321	$7,650	$68,672	$4,200,840
21	243	$76,321	$7,527	$68,795	$4,132,045
21	244	$76,321	$7,403	$68,918	$4,063,127
21	245	$76,321	$7,280	$69,042	$3,994,085
21	246	$76,321	$7,156	$69,165	$3,924,920
21	247	$76,321	$7,032	$69,289	$3,855,630
21	248	$76,321	$6,908	$69,413	$3,786,217
21	249	$76,321	$6,784	$69,538	$3,716,679
21	250	$76,321	$6,659	$69,662	$3,647,016
21	251	$76,321	$6,534	$69,787	$3,577,229
21	252	$76,321	$6,409	$69,912	$3,507,317
22	253	$76,321	$6,284	$70,038	$3,437,279
22	254	$76,321	$6,158	$70,163	$3,367,116
22	255	$76,321	$6,033	$70,289	$3,296,827
22	256	$76,321	$5,907	$70,415	$3,226,413
22	257	$76,321	$5,781	$70,541	$3,155,872
22	258	$76,321	$5,654	$70,667	$3,085,205
22	259	$76,321	$5,528	$70,794	$3,014,411
22	260	$76,321	$5,401	$70,921	$2,943,490
22	261	$76,321	$5,274	$71,048	$2,872,442
22	262	$76,321	$5,146	$71,175	$2,801,267
22	263	$76,321	$5,019	$71,303	$2,729,965
22	264	$76,321	$4,891	$71,430	$2,658,535
23	265	$76,321	$4,763	$71,558	$2,586,976
23	266	$76,321	$4,635	$71,686	$2,515,290
23	267	$76,321	$4,507	$71,815	$2,443,475
23	268	$76,321	$4,378	$71,944	$2,371,531
23	269	$76,321	$4,249	$72,073	$2,299,459
23	270	$76,321	$4,120	$72,202	$2,227,257
23	271	$76,321	$3,991	$72,331	$2,154,926
23	272	$76,321	$3,861	$72,461	$2,082,465
23	273	$76,321	$3,731	$72,590	$2,009,875
23	274	$76,321	$3,601	$72,720	$1,937,155
23	275	$76,321	$3,471	$72,851	$1,864,304
23	276	$76,321	$3,340	$72,981	$1,791,323
24	277	$76,321	$3,209	$73,112	$1,718,210
24	278	$76,321	$3,078	$73,243	$1,644,967
24	279	$76,321	$2,947	$73,374	$1,571,593
24	280	$76,321	$2,816	$73,506	$1,498,087
24	281	$76,321	$2,684	$73,637	$1,424,450
24	282	$76,321	$2,552	$73,769	$1,350,681
24	283	$76,321	$2,420	$73,902	$1,276,779
24	284	$76,321	$2,288	$74,034	$1,202,745
24	285	$76,321	$2,155	$74,167	$1,128,579
24	286	$76,321	$2,022	$74,299	$1,054,279
24	287	$76,321	$1,889	$74,433	$979,847
24	288	$76,321	$1,756	$74,566	$905,281
25	289	$76,321	$1,622	$74,700	$830,581
25	290	$76,321	$1,488	$74,833	$755,748
25	291	$76,321	$1,354	$74,967	$680,780
25	292	$76,321	$1,220	$75,102	$605,679
25	293	$76,321	$1,085	$75,236	$530,442
25	294	$76,321	$950	$75,371	$455,071
25	295	$76,321	$815	$75,506	$379,565
25	296	$76,321	$680	$75,641	$303,923
25	297	$76,321	$545	$75,777	$228,146
25	298	$76,321	$409	$75,913	$152,234
25	299	$76,321	$273	$76,049	$76,185
25	300	$76,321	$136	$76,185	$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$ 11,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 12,095,000

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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.