Century 21 Centaland Property

Down Payment (HKD)

$19,120,000

Monthly Repayment (HKD)

$123,667

Loan Amount (HKD)

$28,680,000

Total Interest (HKD)

$8,420,010

Total Repayment (HKD)

$37,100,010

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$123,667	$51,385	$72,282	$28,607,718
1	2	$123,667	$51,255	$72,411	$28,535,307
1	3	$123,667	$51,126	$72,541	$28,462,766
1	4	$123,667	$50,996	$72,671	$28,390,095
1	5	$123,667	$50,866	$72,801	$28,317,294
1	6	$123,667	$50,735	$72,932	$28,244,363
1	7	$123,667	$50,604	$73,062	$28,171,300
1	8	$123,667	$50,474	$73,193	$28,098,107
1	9	$123,667	$50,342	$73,324	$28,024,783
1	10	$123,667	$50,211	$73,456	$27,951,327
1	11	$123,667	$50,079	$73,587	$27,877,740
1	12	$123,667	$49,948	$73,719	$27,804,021
2	13	$123,667	$49,816	$73,851	$27,730,170
2	14	$123,667	$49,683	$73,983	$27,656,186
2	15	$123,667	$49,551	$74,116	$27,582,070
2	16	$123,667	$49,418	$74,249	$27,507,822
2	17	$123,667	$49,285	$74,382	$27,433,440
2	18	$123,667	$49,152	$74,515	$27,358,925
2	19	$123,667	$49,018	$74,649	$27,284,276
2	20	$123,667	$48,884	$74,782	$27,209,494
2	21	$123,667	$48,750	$74,916	$27,134,577
2	22	$123,667	$48,616	$75,051	$27,059,527
2	23	$123,667	$48,482	$75,185	$26,984,342
2	24	$123,667	$48,347	$75,320	$26,909,022
3	25	$123,667	$48,212	$75,455	$26,833,567
3	26	$123,667	$48,077	$75,590	$26,757,977
3	27	$123,667	$47,941	$75,725	$26,682,252
3	28	$123,667	$47,806	$75,861	$26,606,391
3	29	$123,667	$47,670	$75,997	$26,530,394
3	30	$123,667	$47,534	$76,133	$26,454,261
3	31	$123,667	$47,397	$76,269	$26,377,991
3	32	$123,667	$47,261	$76,406	$26,301,585
3	33	$123,667	$47,124	$76,543	$26,225,042
3	34	$123,667	$46,987	$76,680	$26,148,362
3	35	$123,667	$46,849	$76,818	$26,071,545
3	36	$123,667	$46,712	$76,955	$25,994,589
4	37	$123,667	$46,574	$77,093	$25,917,496
4	38	$123,667	$46,436	$77,231	$25,840,265
4	39	$123,667	$46,297	$77,370	$25,762,896
4	40	$123,667	$46,159	$77,508	$25,685,387
4	41	$123,667	$46,020	$77,647	$25,607,740
4	42	$123,667	$45,881	$77,786	$25,529,954
4	43	$123,667	$45,741	$77,926	$25,452,029
4	44	$123,667	$45,602	$78,065	$25,373,964
4	45	$123,667	$45,462	$78,205	$25,295,759
4	46	$123,667	$45,322	$78,345	$25,217,413
4	47	$123,667	$45,181	$78,486	$25,138,928
4	48	$123,667	$45,041	$78,626	$25,060,302
5	49	$123,667	$44,900	$78,767	$24,981,535
5	50	$123,667	$44,759	$78,908	$24,902,627
5	51	$123,667	$44,617	$79,049	$24,823,577
5	52	$123,667	$44,476	$79,191	$24,744,386
5	53	$123,667	$44,334	$79,333	$24,665,053
5	54	$123,667	$44,192	$79,475	$24,585,578
5	55	$123,667	$44,049	$79,618	$24,505,960
5	56	$123,667	$43,907	$79,760	$24,426,200
5	57	$123,667	$43,764	$79,903	$24,346,297
5	58	$123,667	$43,620	$80,046	$24,266,251
5	59	$123,667	$43,477	$80,190	$24,186,061
5	60	$123,667	$43,333	$80,333	$24,105,728
6	61	$123,667	$43,189	$80,477	$24,025,251
6	62	$123,667	$43,045	$80,621	$23,944,629
6	63	$123,667	$42,901	$80,766	$23,863,863
6	64	$123,667	$42,756	$80,911	$23,782,953
6	65	$123,667	$42,611	$81,056	$23,701,897
6	66	$123,667	$42,466	$81,201	$23,620,696
6	67	$123,667	$42,320	$81,346	$23,539,350
6	68	$123,667	$42,175	$81,492	$23,457,858
6	69	$123,667	$42,029	$81,638	$23,376,220
6	70	$123,667	$41,882	$81,784	$23,294,436
6	71	$123,667	$41,736	$81,931	$23,212,505
6	72	$123,667	$41,589	$82,078	$23,130,427
7	73	$123,667	$41,442	$82,225	$23,048,202
7	74	$123,667	$41,295	$82,372	$22,965,830
7	75	$123,667	$41,147	$82,520	$22,883,311
7	76	$123,667	$40,999	$82,667	$22,800,643
7	77	$123,667	$40,851	$82,816	$22,717,828
7	78	$123,667	$40,703	$82,964	$22,634,864
7	79	$123,667	$40,554	$83,113	$22,551,751
7	80	$123,667	$40,405	$83,261	$22,468,490
7	81	$123,667	$40,256	$83,411	$22,385,079
7	82	$123,667	$40,107	$83,560	$22,301,519
7	83	$123,667	$39,957	$83,710	$22,217,809
7	84	$123,667	$39,807	$83,860	$22,133,950
8	85	$123,667	$39,657	$84,010	$22,049,939
8	86	$123,667	$39,506	$84,161	$21,965,779
8	87	$123,667	$39,355	$84,311	$21,881,468
8	88	$123,667	$39,204	$84,462	$21,797,005
8	89	$123,667	$39,053	$84,614	$21,712,391
8	90	$123,667	$38,901	$84,765	$21,627,626
8	91	$123,667	$38,749	$84,917	$21,542,709
8	92	$123,667	$38,597	$85,069	$21,457,640
8	93	$123,667	$38,445	$85,222	$21,372,418
8	94	$123,667	$38,292	$85,374	$21,287,043
8	95	$123,667	$38,139	$85,527	$21,201,516
8	96	$123,667	$37,986	$85,681	$21,115,835
9	97	$123,667	$37,833	$85,834	$21,030,001
9	98	$123,667	$37,679	$85,988	$20,944,013
9	99	$123,667	$37,525	$86,142	$20,857,871
9	100	$123,667	$37,370	$86,296	$20,771,575
9	101	$123,667	$37,216	$86,451	$20,685,124
9	102	$123,667	$37,061	$86,606	$20,598,518
9	103	$123,667	$36,906	$86,761	$20,511,757
9	104	$123,667	$36,750	$86,916	$20,424,841
9	105	$123,667	$36,595	$87,072	$20,337,768
9	106	$123,667	$36,439	$87,228	$20,250,540
9	107	$123,667	$36,282	$87,384	$20,163,156
9	108	$123,667	$36,126	$87,541	$20,075,615
10	109	$123,667	$35,969	$87,698	$19,987,917
10	110	$123,667	$35,812	$87,855	$19,900,062
10	111	$123,667	$35,654	$88,012	$19,812,049
10	112	$123,667	$35,497	$88,170	$19,723,879
10	113	$123,667	$35,339	$88,328	$19,635,551
10	114	$123,667	$35,180	$88,486	$19,547,065
10	115	$123,667	$35,022	$88,645	$19,458,420
10	116	$123,667	$34,863	$88,804	$19,369,616
10	117	$123,667	$34,704	$88,963	$19,280,653
10	118	$123,667	$34,545	$89,122	$19,191,531
10	119	$123,667	$34,385	$89,282	$19,102,249
10	120	$123,667	$34,225	$89,442	$19,012,807
11	121	$123,667	$34,065	$89,602	$18,923,205
11	122	$123,667	$33,904	$89,763	$18,833,443
11	123	$123,667	$33,743	$89,923	$18,743,519
11	124	$123,667	$33,582	$90,085	$18,653,435
11	125	$123,667	$33,421	$90,246	$18,563,189
11	126	$123,667	$33,259	$90,408	$18,472,781
11	127	$123,667	$33,097	$90,570	$18,382,211
11	128	$123,667	$32,935	$90,732	$18,291,480
11	129	$123,667	$32,772	$90,894	$18,200,585
11	130	$123,667	$32,609	$91,057	$18,109,528
11	131	$123,667	$32,446	$91,220	$18,018,307
11	132	$123,667	$32,283	$91,384	$17,926,923
12	133	$123,667	$32,119	$91,548	$17,835,376
12	134	$123,667	$31,955	$91,712	$17,743,664
12	135	$123,667	$31,791	$91,876	$17,651,788
12	136	$123,667	$31,626	$92,041	$17,559,748
12	137	$123,667	$31,461	$92,205	$17,467,542
12	138	$123,667	$31,296	$92,371	$17,375,171
12	139	$123,667	$31,131	$92,536	$17,282,635
12	140	$123,667	$30,965	$92,702	$17,189,933
12	141	$123,667	$30,799	$92,868	$17,097,065
12	142	$123,667	$30,632	$93,034	$17,004,031
12	143	$123,667	$30,466	$93,201	$16,910,830
12	144	$123,667	$30,299	$93,368	$16,817,461
13	145	$123,667	$30,131	$93,535	$16,723,926
13	146	$123,667	$29,964	$93,703	$16,630,223
13	147	$123,667	$29,796	$93,871	$16,536,352
13	148	$123,667	$29,628	$94,039	$16,442,313
13	149	$123,667	$29,459	$94,208	$16,348,106
13	150	$123,667	$29,290	$94,376	$16,253,729
13	151	$123,667	$29,121	$94,545	$16,159,184
13	152	$123,667	$28,952	$94,715	$16,064,469
13	153	$123,667	$28,782	$94,885	$15,969,584
13	154	$123,667	$28,612	$95,055	$15,874,530
13	155	$123,667	$28,442	$95,225	$15,779,305
13	156	$123,667	$28,271	$95,395	$15,683,910
14	157	$123,667	$28,100	$95,566	$15,588,343
14	158	$123,667	$27,929	$95,738	$15,492,606
14	159	$123,667	$27,758	$95,909	$15,396,697
14	160	$123,667	$27,586	$96,081	$15,300,616
14	161	$123,667	$27,414	$96,253	$15,204,363
14	162	$123,667	$27,241	$96,426	$15,107,937
14	163	$123,667	$27,068	$96,598	$15,011,339
14	164	$123,667	$26,895	$96,771	$14,914,567
14	165	$123,667	$26,722	$96,945	$14,817,623
14	166	$123,667	$26,548	$97,118	$14,720,504
14	167	$123,667	$26,374	$97,292	$14,623,212
14	168	$123,667	$26,200	$97,467	$14,525,745
15	169	$123,667	$26,025	$97,641	$14,428,103
15	170	$123,667	$25,850	$97,816	$14,330,287
15	171	$123,667	$25,675	$97,992	$14,232,295
15	172	$123,667	$25,500	$98,167	$14,134,128
15	173	$123,667	$25,324	$98,343	$14,035,785
15	174	$123,667	$25,147	$98,519	$13,937,266
15	175	$123,667	$24,971	$98,696	$13,838,570
15	176	$123,667	$24,794	$98,873	$13,739,698
15	177	$123,667	$24,617	$99,050	$13,640,648
15	178	$123,667	$24,439	$99,227	$13,541,421
15	179	$123,667	$24,262	$99,405	$13,442,016
15	180	$123,667	$24,084	$99,583	$13,342,433
16	181	$123,667	$23,905	$99,762	$13,242,671
16	182	$123,667	$23,726	$99,940	$13,142,731
16	183	$123,667	$23,547	$100,119	$13,042,612
16	184	$123,667	$23,368	$100,299	$12,942,313
16	185	$123,667	$23,188	$100,478	$12,841,834
16	186	$123,667	$23,008	$100,658	$12,741,176
16	187	$123,667	$22,828	$100,839	$12,640,337
16	188	$123,667	$22,647	$101,019	$12,539,318
16	189	$123,667	$22,466	$101,200	$12,438,117
16	190	$123,667	$22,285	$101,382	$12,336,736
16	191	$123,667	$22,103	$101,563	$12,235,172
16	192	$123,667	$21,921	$101,745	$12,133,427
17	193	$123,667	$21,739	$101,928	$12,031,499
17	194	$123,667	$21,556	$102,110	$11,929,389
17	195	$123,667	$21,373	$102,293	$11,827,096
17	196	$123,667	$21,190	$102,476	$11,724,619
17	197	$123,667	$21,007	$102,660	$11,621,959
17	198	$123,667	$20,823	$102,844	$11,519,115
17	199	$123,667	$20,638	$103,028	$11,416,087
17	200	$123,667	$20,454	$103,213	$11,312,874
17	201	$123,667	$20,269	$103,398	$11,209,476
17	202	$123,667	$20,084	$103,583	$11,105,893
17	203	$123,667	$19,898	$103,769	$11,002,125
17	204	$123,667	$19,712	$103,955	$10,898,170
18	205	$123,667	$19,526	$104,141	$10,794,029
18	206	$123,667	$19,339	$104,327	$10,689,702
18	207	$123,667	$19,152	$104,514	$10,585,188
18	208	$123,667	$18,965	$104,702	$10,480,486
18	209	$123,667	$18,778	$104,889	$10,375,597
18	210	$123,667	$18,590	$105,077	$10,270,520
18	211	$123,667	$18,401	$105,265	$10,165,254
18	212	$123,667	$18,213	$105,454	$10,059,800
18	213	$123,667	$18,024	$105,643	$9,954,158
18	214	$123,667	$17,835	$105,832	$9,848,325
18	215	$123,667	$17,645	$106,022	$9,742,304
18	216	$123,667	$17,455	$106,212	$9,636,092
19	217	$123,667	$17,265	$106,402	$9,529,690
19	218	$123,667	$17,074	$106,593	$9,423,097
19	219	$123,667	$16,883	$106,784	$9,316,313
19	220	$123,667	$16,692	$106,975	$9,209,339
19	221	$123,667	$16,500	$107,167	$9,102,172
19	222	$123,667	$16,308	$107,359	$8,994,813
19	223	$123,667	$16,116	$107,551	$8,887,262
19	224	$123,667	$15,923	$107,744	$8,779,519
19	225	$123,667	$15,730	$107,937	$8,671,582
19	226	$123,667	$15,537	$108,130	$8,563,452
19	227	$123,667	$15,343	$108,324	$8,455,128
19	228	$123,667	$15,149	$108,518	$8,346,610
20	229	$123,667	$14,954	$108,712	$8,237,898
20	230	$123,667	$14,760	$108,907	$8,128,990
20	231	$123,667	$14,564	$109,102	$8,019,888
20	232	$123,667	$14,369	$109,298	$7,910,590
20	233	$123,667	$14,173	$109,494	$7,801,097
20	234	$123,667	$13,977	$109,690	$7,691,407
20	235	$123,667	$13,780	$109,886	$7,581,521
20	236	$123,667	$13,584	$110,083	$7,471,438
20	237	$123,667	$13,386	$110,280	$7,361,157
20	238	$123,667	$13,189	$110,478	$7,250,679
20	239	$123,667	$12,991	$110,676	$7,140,004
20	240	$123,667	$12,793	$110,874	$7,029,129
21	241	$123,667	$12,594	$111,073	$6,918,057
21	242	$123,667	$12,395	$111,272	$6,806,785
21	243	$123,667	$12,195	$111,471	$6,695,313
21	244	$123,667	$11,996	$111,671	$6,583,643
21	245	$123,667	$11,796	$111,871	$6,471,772
21	246	$123,667	$11,595	$112,071	$6,359,700
21	247	$123,667	$11,394	$112,272	$6,247,428
21	248	$123,667	$11,193	$112,473	$6,134,954
21	249	$123,667	$10,992	$112,675	$6,022,280
21	250	$123,667	$10,790	$112,877	$5,909,403
21	251	$123,667	$10,588	$113,079	$5,796,324
21	252	$123,667	$10,385	$113,282	$5,683,042
22	253	$123,667	$10,182	$113,485	$5,569,558
22	254	$123,667	$9,979	$113,688	$5,455,870
22	255	$123,667	$9,775	$113,892	$5,341,978
22	256	$123,667	$9,571	$114,096	$5,227,882
22	257	$123,667	$9,367	$114,300	$5,113,582
22	258	$123,667	$9,162	$114,505	$4,999,077
22	259	$123,667	$8,957	$114,710	$4,884,367
22	260	$123,667	$8,751	$114,916	$4,769,452
22	261	$123,667	$8,545	$115,121	$4,654,330
22	262	$123,667	$8,339	$115,328	$4,539,003
22	263	$123,667	$8,132	$115,534	$4,423,468
22	264	$123,667	$7,925	$115,741	$4,307,727
23	265	$123,667	$7,718	$115,949	$4,191,778
23	266	$123,667	$7,510	$116,156	$4,075,622
23	267	$123,667	$7,302	$116,365	$3,959,257
23	268	$123,667	$7,094	$116,573	$3,842,684
23	269	$123,667	$6,885	$116,782	$3,725,903
23	270	$123,667	$6,676	$116,991	$3,608,911
23	271	$123,667	$6,466	$117,201	$3,491,711
23	272	$123,667	$6,256	$117,411	$3,374,300
23	273	$123,667	$6,046	$117,621	$3,256,679
23	274	$123,667	$5,835	$117,832	$3,138,847
23	275	$123,667	$5,624	$118,043	$3,020,804
23	276	$123,667	$5,412	$118,254	$2,902,550
24	277	$123,667	$5,200	$118,466	$2,784,083
24	278	$123,667	$4,988	$118,679	$2,665,405
24	279	$123,667	$4,776	$118,891	$2,546,514
24	280	$123,667	$4,563	$119,104	$2,427,409
24	281	$123,667	$4,349	$119,318	$2,308,092
24	282	$123,667	$4,135	$119,531	$2,188,561
24	283	$123,667	$3,921	$119,746	$2,068,815
24	284	$123,667	$3,707	$119,960	$1,948,855
24	285	$123,667	$3,492	$120,175	$1,828,680
24	286	$123,667	$3,276	$120,390	$1,708,290
24	287	$123,667	$3,061	$120,606	$1,587,684
24	288	$123,667	$2,845	$120,822	$1,466,862
25	289	$123,667	$2,628	$121,039	$1,345,823
25	290	$123,667	$2,411	$121,255	$1,224,567
25	291	$123,667	$2,194	$121,473	$1,103,095
25	292	$123,667	$1,976	$121,690	$981,404
25	293	$123,667	$1,758	$121,908	$859,496
25	294	$123,667	$1,540	$122,127	$737,369
25	295	$123,667	$1,321	$122,346	$615,024
25	296	$123,667	$1,102	$122,565	$492,459
25	297	$123,667	$882	$122,784	$369,675
25	298	$123,667	$662	$123,004	$246,670
25	299	$123,667	$442	$123,225	$123,446
25	300	$123,667	$221	$123,446	$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$ 19,120,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 19,598,000

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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.