Century 21 Centaland Property

Down Payment (HKD)

$55,600,000

Monthly Repayment (HKD)

$359,617

Loan Amount (HKD)

$83,400,000

Total Interest (HKD)

$24,484,965

Total Repayment (HKD)

$107,884,965

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$359,617	$149,425	$210,192	$83,189,808
1	2	$359,617	$149,048	$210,568	$82,979,240
1	3	$359,617	$148,671	$210,945	$82,768,295
1	4	$359,617	$148,293	$211,323	$82,556,972
1	5	$359,617	$147,915	$211,702	$82,345,270
1	6	$359,617	$147,535	$212,081	$82,133,188
1	7	$359,617	$147,155	$212,461	$81,920,727
1	8	$359,617	$146,775	$212,842	$81,707,885
1	9	$359,617	$146,393	$213,223	$81,494,662
1	10	$359,617	$146,011	$213,605	$81,281,057
1	11	$359,617	$145,629	$213,988	$81,067,069
1	12	$359,617	$145,245	$214,371	$80,852,697
2	13	$359,617	$144,861	$214,755	$80,637,942
2	14	$359,617	$144,476	$215,140	$80,422,801
2	15	$359,617	$144,091	$215,526	$80,207,276
2	16	$359,617	$143,705	$215,912	$79,991,364
2	17	$359,617	$143,318	$216,299	$79,775,065
2	18	$359,617	$142,930	$216,686	$79,558,379
2	19	$359,617	$142,542	$217,074	$79,341,305
2	20	$359,617	$142,153	$217,463	$79,123,841
2	21	$359,617	$141,764	$217,853	$78,905,988
2	22	$359,617	$141,373	$218,243	$78,687,745
2	23	$359,617	$140,982	$218,634	$78,469,111
2	24	$359,617	$140,590	$219,026	$78,250,084
3	25	$359,617	$140,198	$219,418	$78,030,666
3	26	$359,617	$139,805	$219,812	$77,810,854
3	27	$359,617	$139,411	$220,205	$77,590,649
3	28	$359,617	$139,017	$220,600	$77,370,049
3	29	$359,617	$138,621	$220,995	$77,149,054
3	30	$359,617	$138,225	$221,391	$76,927,663
3	31	$359,617	$137,829	$221,788	$76,705,875
3	32	$359,617	$137,431	$222,185	$76,483,690
3	33	$359,617	$137,033	$222,583	$76,261,106
3	34	$359,617	$136,634	$222,982	$76,038,124
3	35	$359,617	$136,235	$223,382	$75,814,743
3	36	$359,617	$135,835	$223,782	$75,590,961
4	37	$359,617	$135,434	$224,183	$75,366,778
4	38	$359,617	$135,032	$224,584	$75,142,194
4	39	$359,617	$134,630	$224,987	$74,917,207
4	40	$359,617	$134,227	$225,390	$74,691,817
4	41	$359,617	$133,823	$225,794	$74,466,023
4	42	$359,617	$133,418	$226,198	$74,239,825
4	43	$359,617	$133,013	$226,604	$74,013,221
4	44	$359,617	$132,607	$227,010	$73,786,212
4	45	$359,617	$132,200	$227,416	$73,558,796
4	46	$359,617	$131,793	$227,824	$73,330,972
4	47	$359,617	$131,385	$228,232	$73,102,740
4	48	$359,617	$130,976	$228,641	$72,874,099
5	49	$359,617	$130,566	$229,050	$72,645,049
5	50	$359,617	$130,156	$229,461	$72,415,588
5	51	$359,617	$129,745	$229,872	$72,185,716
5	52	$359,617	$129,333	$230,284	$71,955,432
5	53	$359,617	$128,920	$230,696	$71,724,736
5	54	$359,617	$128,507	$231,110	$71,493,626
5	55	$359,617	$128,093	$231,524	$71,262,102
5	56	$359,617	$127,678	$231,939	$71,030,164
5	57	$359,617	$127,262	$232,354	$70,797,809
5	58	$359,617	$126,846	$232,770	$70,565,039
5	59	$359,617	$126,429	$233,188	$70,331,851
5	60	$359,617	$126,011	$233,605	$70,098,246
6	61	$359,617	$125,593	$234,024	$69,864,222
6	62	$359,617	$125,173	$234,443	$69,629,779
6	63	$359,617	$124,753	$234,863	$69,394,916
6	64	$359,617	$124,333	$235,284	$69,159,632
6	65	$359,617	$123,911	$235,706	$68,923,926
6	66	$359,617	$123,489	$236,128	$68,687,799
6	67	$359,617	$123,066	$236,551	$68,451,248
6	68	$359,617	$122,642	$236,975	$68,214,273
6	69	$359,617	$122,217	$237,399	$67,976,874
6	70	$359,617	$121,792	$237,825	$67,739,049
6	71	$359,617	$121,366	$238,251	$67,500,798
6	72	$359,617	$120,939	$238,678	$67,262,121
7	73	$359,617	$120,511	$239,105	$67,023,015
7	74	$359,617	$120,083	$239,534	$66,783,482
7	75	$359,617	$119,654	$239,963	$66,543,519
7	76	$359,617	$119,224	$240,393	$66,303,126
7	77	$359,617	$118,793	$240,823	$66,062,303
7	78	$359,617	$118,362	$241,255	$65,821,048
7	79	$359,617	$117,929	$241,687	$65,579,361
7	80	$359,617	$117,496	$242,120	$65,337,240
7	81	$359,617	$117,063	$242,554	$65,094,686
7	82	$359,617	$116,628	$242,989	$64,851,698
7	83	$359,617	$116,193	$243,424	$64,608,274
7	84	$359,617	$115,756	$243,860	$64,364,414
8	85	$359,617	$115,320	$244,297	$64,120,117
8	86	$359,617	$114,882	$244,735	$63,875,382
8	87	$359,617	$114,443	$245,173	$63,630,209
8	88	$359,617	$114,004	$245,612	$63,384,597
8	89	$359,617	$113,564	$246,052	$63,138,544
8	90	$359,617	$113,123	$246,493	$62,892,051
8	91	$359,617	$112,682	$246,935	$62,645,116
8	92	$359,617	$112,239	$247,377	$62,397,738
8	93	$359,617	$111,796	$247,821	$62,149,918
8	94	$359,617	$111,352	$248,265	$61,901,653
8	95	$359,617	$110,907	$248,709	$61,652,944
8	96	$359,617	$110,462	$249,155	$61,403,789
9	97	$359,617	$110,015	$249,601	$61,154,187
9	98	$359,617	$109,568	$250,049	$60,904,139
9	99	$359,617	$109,120	$250,497	$60,653,642
9	100	$359,617	$108,671	$250,945	$60,402,697
9	101	$359,617	$108,221	$251,395	$60,151,302
9	102	$359,617	$107,771	$251,845	$59,899,456
9	103	$359,617	$107,320	$252,297	$59,647,159
9	104	$359,617	$106,868	$252,749	$59,394,411
9	105	$359,617	$106,415	$253,202	$59,141,209
9	106	$359,617	$105,961	$253,655	$58,887,554
9	107	$359,617	$105,507	$254,110	$58,633,444
9	108	$359,617	$105,052	$254,565	$58,378,879
10	109	$359,617	$104,595	$255,021	$58,123,858
10	110	$359,617	$104,139	$255,478	$57,868,380
10	111	$359,617	$103,681	$255,936	$57,612,445
10	112	$359,617	$103,222	$256,394	$57,356,050
10	113	$359,617	$102,763	$256,854	$57,099,197
10	114	$359,617	$102,303	$257,314	$56,841,883
10	115	$359,617	$101,842	$257,775	$56,584,108
10	116	$359,617	$101,380	$258,237	$56,325,871
10	117	$359,617	$100,917	$258,699	$56,067,172
10	118	$359,617	$100,454	$259,163	$55,808,009
10	119	$359,617	$99,989	$259,627	$55,548,382
10	120	$359,617	$99,524	$260,092	$55,288,289
11	121	$359,617	$99,058	$260,558	$55,027,731
11	122	$359,617	$98,591	$261,025	$54,766,706
11	123	$359,617	$98,124	$261,493	$54,505,213
11	124	$359,617	$97,655	$261,961	$54,243,252
11	125	$359,617	$97,186	$262,431	$53,980,821
11	126	$359,617	$96,716	$262,901	$53,717,920
11	127	$359,617	$96,245	$263,372	$53,454,548
11	128	$359,617	$95,773	$263,844	$53,190,704
11	129	$359,617	$95,300	$264,317	$52,926,388
11	130	$359,617	$94,826	$264,790	$52,661,598
11	131	$359,617	$94,352	$265,265	$52,396,333
11	132	$359,617	$93,877	$265,740	$52,130,593
12	133	$359,617	$93,401	$266,216	$51,864,377
12	134	$359,617	$92,924	$266,693	$51,597,685
12	135	$359,617	$92,446	$267,171	$51,330,514
12	136	$359,617	$91,967	$267,649	$51,062,864
12	137	$359,617	$91,488	$268,129	$50,794,736
12	138	$359,617	$91,007	$268,609	$50,526,126
12	139	$359,617	$90,526	$269,091	$50,257,036
12	140	$359,617	$90,044	$269,573	$49,987,463
12	141	$359,617	$89,561	$270,056	$49,717,407
12	142	$359,617	$89,077	$270,540	$49,446,868
12	143	$359,617	$88,592	$271,024	$49,175,843
12	144	$359,617	$88,107	$271,510	$48,904,334
13	145	$359,617	$87,620	$271,996	$48,632,337
13	146	$359,617	$87,133	$272,484	$48,359,854
13	147	$359,617	$86,645	$272,972	$48,086,882
13	148	$359,617	$86,156	$273,461	$47,813,421
13	149	$359,617	$85,666	$273,951	$47,539,470
13	150	$359,617	$85,175	$274,442	$47,265,029
13	151	$359,617	$84,683	$274,933	$46,990,095
13	152	$359,617	$84,191	$275,426	$46,714,669
13	153	$359,617	$83,697	$275,919	$46,438,750
13	154	$359,617	$83,203	$276,414	$46,162,336
13	155	$359,617	$82,708	$276,909	$45,885,427
13	156	$359,617	$82,211	$277,405	$45,608,022
14	157	$359,617	$81,714	$277,902	$45,330,120
14	158	$359,617	$81,216	$278,400	$45,051,719
14	159	$359,617	$80,718	$278,899	$44,772,821
14	160	$359,617	$80,218	$279,399	$44,493,422
14	161	$359,617	$79,717	$279,899	$44,213,523
14	162	$359,617	$79,216	$280,401	$43,933,122
14	163	$359,617	$78,714	$280,903	$43,652,219
14	164	$359,617	$78,210	$281,406	$43,370,813
14	165	$359,617	$77,706	$281,911	$43,088,902
14	166	$359,617	$77,201	$282,416	$42,806,487
14	167	$359,617	$76,695	$282,922	$42,523,565
14	168	$359,617	$76,188	$283,428	$42,240,137
15	169	$359,617	$75,680	$283,936	$41,956,200
15	170	$359,617	$75,172	$284,445	$41,671,755
15	171	$359,617	$74,662	$284,955	$41,386,801
15	172	$359,617	$74,151	$285,465	$41,101,335
15	173	$359,617	$73,640	$285,977	$40,815,359
15	174	$359,617	$73,128	$286,489	$40,528,870
15	175	$359,617	$72,614	$287,002	$40,241,867
15	176	$359,617	$72,100	$287,517	$39,954,351
15	177	$359,617	$71,585	$288,032	$39,666,319
15	178	$359,617	$71,069	$288,548	$39,377,771
15	179	$359,617	$70,552	$289,065	$39,088,707
15	180	$359,617	$70,034	$289,583	$38,799,124
16	181	$359,617	$69,515	$290,101	$38,509,023
16	182	$359,617	$68,995	$290,621	$38,218,401
16	183	$359,617	$68,475	$291,142	$37,927,260
16	184	$359,617	$67,953	$291,664	$37,635,596
16	185	$359,617	$67,430	$292,186	$37,343,410
16	186	$359,617	$66,907	$292,710	$37,050,700
16	187	$359,617	$66,383	$293,234	$36,757,466
16	188	$359,617	$65,857	$293,759	$36,463,707
16	189	$359,617	$65,331	$294,286	$36,169,421
16	190	$359,617	$64,804	$294,813	$35,874,608
16	191	$359,617	$64,275	$295,341	$35,579,267
16	192	$359,617	$63,746	$295,870	$35,283,396
17	193	$359,617	$63,216	$296,400	$34,986,996
17	194	$359,617	$62,685	$296,932	$34,690,065
17	195	$359,617	$62,153	$297,464	$34,392,601
17	196	$359,617	$61,620	$297,996	$34,094,605
17	197	$359,617	$61,086	$298,530	$33,796,074
17	198	$359,617	$60,551	$299,065	$33,497,009
17	199	$359,617	$60,015	$299,601	$33,197,408
17	200	$359,617	$59,479	$300,138	$32,897,270
17	201	$359,617	$58,941	$300,676	$32,596,594
17	202	$359,617	$58,402	$301,214	$32,295,380
17	203	$359,617	$57,863	$301,754	$31,993,626
17	204	$359,617	$57,322	$302,295	$31,691,331
18	205	$359,617	$56,780	$302,836	$31,388,495
18	206	$359,617	$56,238	$303,379	$31,085,116
18	207	$359,617	$55,694	$303,922	$30,781,194
18	208	$359,617	$55,150	$304,467	$30,476,727
18	209	$359,617	$54,604	$305,012	$30,171,715
18	210	$359,617	$54,058	$305,559	$29,866,156
18	211	$359,617	$53,510	$306,106	$29,560,049
18	212	$359,617	$52,962	$306,655	$29,253,395
18	213	$359,617	$52,412	$307,204	$28,946,190
18	214	$359,617	$51,862	$307,755	$28,638,436
18	215	$359,617	$51,311	$308,306	$28,330,130
18	216	$359,617	$50,758	$308,858	$28,021,271
19	217	$359,617	$50,205	$309,412	$27,711,859
19	218	$359,617	$49,650	$309,966	$27,401,893
19	219	$359,617	$49,095	$310,521	$27,091,372
19	220	$359,617	$48,539	$311,078	$26,780,294
19	221	$359,617	$47,981	$311,635	$26,468,659
19	222	$359,617	$47,423	$312,194	$26,156,465
19	223	$359,617	$46,864	$312,753	$25,843,712
19	224	$359,617	$46,303	$313,313	$25,530,399
19	225	$359,617	$45,742	$313,875	$25,216,525
19	226	$359,617	$45,180	$314,437	$24,902,088
19	227	$359,617	$44,616	$315,000	$24,587,087
19	228	$359,617	$44,052	$315,565	$24,271,523
20	229	$359,617	$43,486	$316,130	$23,955,393
20	230	$359,617	$42,920	$316,696	$23,638,696
20	231	$359,617	$42,353	$317,264	$23,321,432
20	232	$359,617	$41,784	$317,832	$23,003,600
20	233	$359,617	$41,215	$318,402	$22,685,198
20	234	$359,617	$40,644	$318,972	$22,366,226
20	235	$359,617	$40,073	$319,544	$22,046,682
20	236	$359,617	$39,500	$320,116	$21,726,566
20	237	$359,617	$38,927	$320,690	$21,405,876
20	238	$359,617	$38,352	$321,264	$21,084,612
20	239	$359,617	$37,777	$321,840	$20,762,772
20	240	$359,617	$37,200	$322,417	$20,440,355
21	241	$359,617	$36,622	$322,994	$20,117,361
21	242	$359,617	$36,044	$323,573	$19,793,788
21	243	$359,617	$35,464	$324,153	$19,469,635
21	244	$359,617	$34,883	$324,733	$19,144,902
21	245	$359,617	$34,301	$325,315	$18,819,587
21	246	$359,617	$33,718	$325,898	$18,493,688
21	247	$359,617	$33,135	$326,482	$18,167,206
21	248	$359,617	$32,550	$327,067	$17,840,139
21	249	$359,617	$31,964	$327,653	$17,512,487
21	250	$359,617	$31,377	$328,240	$17,184,247
21	251	$359,617	$30,788	$328,828	$16,855,418
21	252	$359,617	$30,199	$329,417	$16,526,001
22	253	$359,617	$29,609	$330,007	$16,195,994
22	254	$359,617	$29,018	$330,599	$15,865,395
22	255	$359,617	$28,425	$331,191	$15,534,204
22	256	$359,617	$27,832	$331,784	$15,202,419
22	257	$359,617	$27,238	$332,379	$14,870,041
22	258	$359,617	$26,642	$332,974	$14,537,066
22	259	$359,617	$26,046	$333,571	$14,203,495
22	260	$359,617	$25,448	$334,169	$13,869,327
22	261	$359,617	$24,849	$334,767	$13,534,559
22	262	$359,617	$24,249	$335,367	$13,199,192
22	263	$359,617	$23,649	$335,968	$12,863,224
22	264	$359,617	$23,047	$336,570	$12,526,654
23	265	$359,617	$22,444	$337,173	$12,189,481
23	266	$359,617	$21,839	$337,777	$11,851,704
23	267	$359,617	$21,234	$338,382	$11,513,322
23	268	$359,617	$20,628	$338,989	$11,174,333
23	269	$359,617	$20,021	$339,596	$10,834,738
23	270	$359,617	$19,412	$340,204	$10,494,533
23	271	$359,617	$18,803	$340,814	$10,153,719
23	272	$359,617	$18,192	$341,424	$9,812,295
23	273	$359,617	$17,580	$342,036	$9,470,259
23	274	$359,617	$16,968	$342,649	$9,127,610
23	275	$359,617	$16,354	$343,263	$8,784,347
23	276	$359,617	$15,739	$343,878	$8,440,469
24	277	$359,617	$15,123	$344,494	$8,095,975
24	278	$359,617	$14,505	$345,111	$7,750,864
24	279	$359,617	$13,887	$345,730	$7,405,134
24	280	$359,617	$13,268	$346,349	$7,058,785
24	281	$359,617	$12,647	$346,970	$6,711,815
24	282	$359,617	$12,025	$347,591	$6,364,224
24	283	$359,617	$11,403	$348,214	$6,016,010
24	284	$359,617	$10,779	$348,838	$5,667,172
24	285	$359,617	$10,154	$349,463	$5,317,709
24	286	$359,617	$9,528	$350,089	$4,967,620
24	287	$359,617	$8,900	$350,716	$4,616,904
24	288	$359,617	$8,272	$351,345	$4,265,560
25	289	$359,617	$7,642	$351,974	$3,913,586
25	290	$359,617	$7,012	$352,605	$3,560,981
25	291	$359,617	$6,380	$353,236	$3,207,744
25	292	$359,617	$5,747	$353,869	$2,853,875
25	293	$359,617	$5,113	$354,503	$2,499,372
25	294	$359,617	$4,478	$355,139	$2,144,233
25	295	$359,617	$3,842	$355,775	$1,788,458
25	296	$359,617	$3,204	$356,412	$1,432,046
25	297	$359,617	$2,566	$357,051	$1,074,995
25	298	$359,617	$1,926	$357,691	$717,305
25	299	$359,617	$1,285	$358,331	$358,973
25	300	$359,617	$643	$358,973	$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$ 55,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 56,990,000

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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.