Century 21 Centaland Property

Down Payment (HKD)

$13,800,000

Monthly Repayment (HKD)

$89,257

Loan Amount (HKD)

$20,700,000

Total Interest (HKD)

$6,077,204

Total Repayment (HKD)

$26,777,204

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$89,257	$37,088	$52,170	$20,647,830
1	2	$89,257	$36,994	$52,263	$20,595,567
1	3	$89,257	$36,900	$52,357	$20,543,210
1	4	$89,257	$36,807	$52,451	$20,490,759
1	5	$89,257	$36,713	$52,545	$20,438,214
1	6	$89,257	$36,618	$52,639	$20,385,576
1	7	$89,257	$36,524	$52,733	$20,332,842
1	8	$89,257	$36,430	$52,828	$20,280,015
1	9	$89,257	$36,335	$52,922	$20,227,092
1	10	$89,257	$36,240	$53,017	$20,174,075
1	11	$89,257	$36,145	$53,112	$20,120,963
1	12	$89,257	$36,050	$53,207	$20,067,756
2	13	$89,257	$35,955	$53,303	$20,014,453
2	14	$89,257	$35,859	$53,398	$19,961,055
2	15	$89,257	$35,764	$53,494	$19,907,561
2	16	$89,257	$35,668	$53,590	$19,853,972
2	17	$89,257	$35,572	$53,686	$19,800,286
2	18	$89,257	$35,476	$53,782	$19,746,504
2	19	$89,257	$35,379	$53,878	$19,692,626
2	20	$89,257	$35,283	$53,975	$19,638,651
2	21	$89,257	$35,186	$54,071	$19,584,580
2	22	$89,257	$35,089	$54,168	$19,530,411
2	23	$89,257	$34,992	$54,265	$19,476,146
2	24	$89,257	$34,895	$54,363	$19,421,784
3	25	$89,257	$34,797	$54,460	$19,367,324
3	26	$89,257	$34,700	$54,558	$19,312,766
3	27	$89,257	$34,602	$54,655	$19,258,111
3	28	$89,257	$34,504	$54,753	$19,203,357
3	29	$89,257	$34,406	$54,851	$19,148,506
3	30	$89,257	$34,308	$54,950	$19,093,557
3	31	$89,257	$34,209	$55,048	$19,038,508
3	32	$89,257	$34,111	$55,147	$18,983,362
3	33	$89,257	$34,012	$55,245	$18,928,116
3	34	$89,257	$33,913	$55,344	$18,872,772
3	35	$89,257	$33,814	$55,444	$18,817,328
3	36	$89,257	$33,714	$55,543	$18,761,785
4	37	$89,257	$33,615	$55,642	$18,706,143
4	38	$89,257	$33,515	$55,742	$18,650,401
4	39	$89,257	$33,415	$55,842	$18,594,559
4	40	$89,257	$33,315	$55,942	$18,538,616
4	41	$89,257	$33,215	$56,042	$18,482,574
4	42	$89,257	$33,115	$56,143	$18,426,431
4	43	$89,257	$33,014	$56,243	$18,370,188
4	44	$89,257	$32,913	$56,344	$18,313,844
4	45	$89,257	$32,812	$56,445	$18,257,399
4	46	$89,257	$32,711	$56,546	$18,200,853
4	47	$89,257	$32,610	$56,647	$18,144,205
4	48	$89,257	$32,508	$56,749	$18,087,456
5	49	$89,257	$32,407	$56,851	$18,030,606
5	50	$89,257	$32,305	$56,953	$17,973,653
5	51	$89,257	$32,203	$57,055	$17,916,599
5	52	$89,257	$32,101	$57,157	$17,859,442
5	53	$89,257	$31,998	$57,259	$17,802,183
5	54	$89,257	$31,896	$57,362	$17,744,821
5	55	$89,257	$31,793	$57,465	$17,687,356
5	56	$89,257	$31,690	$57,567	$17,629,789
5	57	$89,257	$31,587	$57,671	$17,572,118
5	58	$89,257	$31,483	$57,774	$17,514,344
5	59	$89,257	$31,380	$57,877	$17,456,467
5	60	$89,257	$31,276	$57,981	$17,398,486
6	61	$89,257	$31,172	$58,085	$17,340,401
6	62	$89,257	$31,068	$58,189	$17,282,211
6	63	$89,257	$30,964	$58,293	$17,223,918
6	64	$89,257	$30,860	$58,398	$17,165,520
6	65	$89,257	$30,755	$58,502	$17,107,018
6	66	$89,257	$30,650	$58,607	$17,048,410
6	67	$89,257	$30,545	$58,712	$16,989,698
6	68	$89,257	$30,440	$58,817	$16,930,881
6	69	$89,257	$30,334	$58,923	$16,871,958
6	70	$89,257	$30,229	$59,028	$16,812,929
6	71	$89,257	$30,123	$59,134	$16,753,795
6	72	$89,257	$30,017	$59,240	$16,694,555
7	73	$89,257	$29,911	$59,346	$16,635,209
7	74	$89,257	$29,805	$59,453	$16,575,756
7	75	$89,257	$29,698	$59,559	$16,516,197
7	76	$89,257	$29,592	$59,666	$16,456,531
7	77	$89,257	$29,485	$59,773	$16,396,759
7	78	$89,257	$29,378	$59,880	$16,336,879
7	79	$89,257	$29,270	$59,987	$16,276,892
7	80	$89,257	$29,163	$60,095	$16,216,797
7	81	$89,257	$29,055	$60,202	$16,156,595
7	82	$89,257	$28,947	$60,310	$16,096,285
7	83	$89,257	$28,839	$60,418	$16,035,867
7	84	$89,257	$28,731	$60,526	$15,975,340
8	85	$89,257	$28,622	$60,635	$15,914,705
8	86	$89,257	$28,514	$60,743	$15,853,962
8	87	$89,257	$28,405	$60,852	$15,793,109
8	88	$89,257	$28,296	$60,961	$15,732,148
8	89	$89,257	$28,187	$61,071	$15,671,077
8	90	$89,257	$28,077	$61,180	$15,609,897
8	91	$89,257	$27,968	$61,290	$15,548,608
8	92	$89,257	$27,858	$61,399	$15,487,208
8	93	$89,257	$27,748	$61,509	$15,425,699
8	94	$89,257	$27,638	$61,620	$15,364,079
8	95	$89,257	$27,527	$61,730	$15,302,349
8	96	$89,257	$27,417	$61,841	$15,240,509
9	97	$89,257	$27,306	$61,951	$15,178,557
9	98	$89,257	$27,195	$62,062	$15,116,495
9	99	$89,257	$27,084	$62,174	$15,054,321
9	100	$89,257	$26,972	$62,285	$14,992,036
9	101	$89,257	$26,861	$62,397	$14,929,640
9	102	$89,257	$26,749	$62,508	$14,867,131
9	103	$89,257	$26,637	$62,620	$14,804,511
9	104	$89,257	$26,525	$62,733	$14,741,778
9	105	$89,257	$26,412	$62,845	$14,678,933
9	106	$89,257	$26,300	$62,958	$14,615,976
9	107	$89,257	$26,187	$63,070	$14,552,905
9	108	$89,257	$26,074	$63,183	$14,489,722
10	109	$89,257	$25,961	$63,297	$14,426,425
10	110	$89,257	$25,847	$63,410	$14,363,015
10	111	$89,257	$25,734	$63,524	$14,299,492
10	112	$89,257	$25,620	$63,637	$14,235,854
10	113	$89,257	$25,506	$63,751	$14,172,103
10	114	$89,257	$25,392	$63,866	$14,108,237
10	115	$89,257	$25,277	$63,980	$14,044,257
10	116	$89,257	$25,163	$64,095	$13,980,162
10	117	$89,257	$25,048	$64,210	$13,915,953
10	118	$89,257	$24,933	$64,325	$13,851,628
10	119	$89,257	$24,818	$64,440	$13,787,188
10	120	$89,257	$24,702	$64,555	$13,722,633
11	121	$89,257	$24,586	$64,671	$13,657,962
11	122	$89,257	$24,471	$64,787	$13,593,175
11	123	$89,257	$24,354	$64,903	$13,528,272
11	124	$89,257	$24,238	$65,019	$13,463,253
11	125	$89,257	$24,122	$65,136	$13,398,117
11	126	$89,257	$24,005	$65,252	$13,332,865
11	127	$89,257	$23,888	$65,369	$13,267,496
11	128	$89,257	$23,771	$65,486	$13,202,009
11	129	$89,257	$23,654	$65,604	$13,136,406
11	130	$89,257	$23,536	$65,721	$13,070,684
11	131	$89,257	$23,418	$65,839	$13,004,845
11	132	$89,257	$23,300	$65,957	$12,938,888
12	133	$89,257	$23,182	$66,075	$12,872,813
12	134	$89,257	$23,064	$66,194	$12,806,620
12	135	$89,257	$22,945	$66,312	$12,740,307
12	136	$89,257	$22,826	$66,431	$12,673,876
12	137	$89,257	$22,707	$66,550	$12,607,326
12	138	$89,257	$22,588	$66,669	$12,540,657
12	139	$89,257	$22,469	$66,789	$12,473,869
12	140	$89,257	$22,349	$66,908	$12,406,960
12	141	$89,257	$22,229	$67,028	$12,339,932
12	142	$89,257	$22,109	$67,148	$12,272,784
12	143	$89,257	$21,989	$67,269	$12,205,515
12	144	$89,257	$21,868	$67,389	$12,138,126
13	145	$89,257	$21,747	$67,510	$12,070,616
13	146	$89,257	$21,627	$67,631	$12,002,985
13	147	$89,257	$21,505	$67,752	$11,935,233
13	148	$89,257	$21,384	$67,873	$11,867,360
13	149	$89,257	$21,262	$67,995	$11,799,365
13	150	$89,257	$21,141	$68,117	$11,731,248
13	151	$89,257	$21,018	$68,239	$11,663,009
13	152	$89,257	$20,896	$68,361	$11,594,648
13	153	$89,257	$20,774	$68,484	$11,526,165
13	154	$89,257	$20,651	$68,606	$11,457,558
13	155	$89,257	$20,528	$68,729	$11,388,829
13	156	$89,257	$20,405	$68,852	$11,319,977
14	157	$89,257	$20,282	$68,976	$11,251,001
14	158	$89,257	$20,158	$69,099	$11,181,902
14	159	$89,257	$20,034	$69,223	$11,112,678
14	160	$89,257	$19,910	$69,347	$11,043,331
14	161	$89,257	$19,786	$69,471	$10,973,860
14	162	$89,257	$19,661	$69,596	$10,904,264
14	163	$89,257	$19,537	$69,721	$10,834,544
14	164	$89,257	$19,412	$69,845	$10,764,698
14	165	$89,257	$19,287	$69,971	$10,694,728
14	166	$89,257	$19,161	$70,096	$10,624,632
14	167	$89,257	$19,036	$70,222	$10,554,410
14	168	$89,257	$18,910	$70,347	$10,484,063
15	169	$89,257	$18,784	$70,473	$10,413,589
15	170	$89,257	$18,658	$70,600	$10,342,990
15	171	$89,257	$18,531	$70,726	$10,272,263
15	172	$89,257	$18,404	$70,853	$10,201,411
15	173	$89,257	$18,278	$70,980	$10,130,431
15	174	$89,257	$18,150	$71,107	$10,059,324
15	175	$89,257	$18,023	$71,234	$9,988,089
15	176	$89,257	$17,895	$71,362	$9,916,727
15	177	$89,257	$17,767	$71,490	$9,845,238
15	178	$89,257	$17,639	$71,618	$9,773,620
15	179	$89,257	$17,511	$71,746	$9,701,873
15	180	$89,257	$17,383	$71,875	$9,629,998
16	181	$89,257	$17,254	$72,004	$9,557,995
16	182	$89,257	$17,125	$72,133	$9,485,862
16	183	$89,257	$16,996	$72,262	$9,413,600
16	184	$89,257	$16,866	$72,391	$9,341,209
16	185	$89,257	$16,736	$72,521	$9,268,688
16	186	$89,257	$16,606	$72,651	$9,196,037
16	187	$89,257	$16,476	$72,781	$9,123,256
16	188	$89,257	$16,346	$72,912	$9,050,344
16	189	$89,257	$16,215	$73,042	$8,977,302
16	190	$89,257	$16,084	$73,173	$8,904,129
16	191	$89,257	$15,953	$73,304	$8,830,825
16	192	$89,257	$15,822	$73,435	$8,757,390
17	193	$89,257	$15,690	$73,567	$8,683,823
17	194	$89,257	$15,559	$73,699	$8,610,124
17	195	$89,257	$15,426	$73,831	$8,536,293
17	196	$89,257	$15,294	$73,963	$8,462,330
17	197	$89,257	$15,162	$74,096	$8,388,234
17	198	$89,257	$15,029	$74,228	$8,314,006
17	199	$89,257	$14,896	$74,361	$8,239,644
17	200	$89,257	$14,763	$74,495	$8,165,150
17	201	$89,257	$14,629	$74,628	$8,090,522
17	202	$89,257	$14,496	$74,762	$8,015,760
17	203	$89,257	$14,362	$74,896	$7,940,864
17	204	$89,257	$14,227	$75,030	$7,865,834
18	205	$89,257	$14,093	$75,164	$7,790,670
18	206	$89,257	$13,958	$75,299	$7,715,371
18	207	$89,257	$13,823	$75,434	$7,639,937
18	208	$89,257	$13,688	$75,569	$7,564,367
18	209	$89,257	$13,553	$75,705	$7,488,663
18	210	$89,257	$13,417	$75,840	$7,412,823
18	211	$89,257	$13,281	$75,976	$7,336,847
18	212	$89,257	$13,145	$76,112	$7,260,735
18	213	$89,257	$13,009	$76,249	$7,184,486
18	214	$89,257	$12,872	$76,385	$7,108,101
18	215	$89,257	$12,735	$76,522	$7,031,579
18	216	$89,257	$12,598	$76,659	$6,954,920
19	217	$89,257	$12,461	$76,796	$6,878,123
19	218	$89,257	$12,323	$76,934	$6,801,189
19	219	$89,257	$12,185	$77,072	$6,724,117
19	220	$89,257	$12,047	$77,210	$6,646,908
19	221	$89,257	$11,909	$77,348	$6,569,559
19	222	$89,257	$11,770	$77,487	$6,492,072
19	223	$89,257	$11,632	$77,626	$6,414,447
19	224	$89,257	$11,493	$77,765	$6,336,682
19	225	$89,257	$11,353	$77,904	$6,258,778
19	226	$89,257	$11,214	$78,044	$6,180,734
19	227	$89,257	$11,074	$78,184	$6,102,550
19	228	$89,257	$10,934	$78,324	$6,024,227
20	229	$89,257	$10,793	$78,464	$5,945,763
20	230	$89,257	$10,653	$78,605	$5,867,158
20	231	$89,257	$10,512	$78,745	$5,788,413
20	232	$89,257	$10,371	$78,886	$5,709,527
20	233	$89,257	$10,230	$79,028	$5,630,499
20	234	$89,257	$10,088	$79,169	$5,551,329
20	235	$89,257	$9,946	$79,311	$5,472,018
20	236	$89,257	$9,804	$79,453	$5,392,565
20	237	$89,257	$9,662	$79,596	$5,312,969
20	238	$89,257	$9,519	$79,738	$5,233,231
20	239	$89,257	$9,376	$79,881	$5,153,350
20	240	$89,257	$9,233	$80,024	$5,073,326
21	241	$89,257	$9,090	$80,168	$4,993,158
21	242	$89,257	$8,946	$80,311	$4,912,847
21	243	$89,257	$8,802	$80,455	$4,832,392
21	244	$89,257	$8,658	$80,599	$4,751,792
21	245	$89,257	$8,514	$80,744	$4,671,048
21	246	$89,257	$8,369	$80,888	$4,590,160
21	247	$89,257	$8,224	$81,033	$4,509,127
21	248	$89,257	$8,079	$81,178	$4,427,948
21	249	$89,257	$7,933	$81,324	$4,346,624
21	250	$89,257	$7,788	$81,470	$4,265,155
21	251	$89,257	$7,642	$81,616	$4,183,539
21	252	$89,257	$7,496	$81,762	$4,101,777
22	253	$89,257	$7,349	$81,908	$4,019,869
22	254	$89,257	$7,202	$82,055	$3,937,814
22	255	$89,257	$7,055	$82,202	$3,855,612
22	256	$89,257	$6,908	$82,349	$3,773,262
22	257	$89,257	$6,760	$82,497	$3,690,765
22	258	$89,257	$6,613	$82,645	$3,608,121
22	259	$89,257	$6,465	$82,793	$3,525,328
22	260	$89,257	$6,316	$82,941	$3,442,387
22	261	$89,257	$6,168	$83,090	$3,359,297
22	262	$89,257	$6,019	$83,239	$3,276,058
22	263	$89,257	$5,870	$83,388	$3,192,671
22	264	$89,257	$5,720	$83,537	$3,109,134
23	265	$89,257	$5,571	$83,687	$3,025,447
23	266	$89,257	$5,421	$83,837	$2,941,610
23	267	$89,257	$5,270	$83,987	$2,857,623
23	268	$89,257	$5,120	$84,137	$2,773,486
23	269	$89,257	$4,969	$84,288	$2,689,197
23	270	$89,257	$4,818	$84,439	$2,604,758
23	271	$89,257	$4,667	$84,590	$2,520,168
23	272	$89,257	$4,515	$84,742	$2,435,426
23	273	$89,257	$4,363	$84,894	$2,350,532
23	274	$89,257	$4,211	$85,046	$2,265,486
23	275	$89,257	$4,059	$85,198	$2,180,288
23	276	$89,257	$3,906	$85,351	$2,094,937
24	277	$89,257	$3,753	$85,504	$2,009,433
24	278	$89,257	$3,600	$85,657	$1,923,775
24	279	$89,257	$3,447	$85,811	$1,837,965
24	280	$89,257	$3,293	$85,964	$1,752,001
24	281	$89,257	$3,139	$86,118	$1,665,882
24	282	$89,257	$2,985	$86,273	$1,579,610
24	283	$89,257	$2,830	$86,427	$1,493,182
24	284	$89,257	$2,675	$86,582	$1,406,600
24	285	$89,257	$2,520	$86,737	$1,319,863
24	286	$89,257	$2,365	$86,893	$1,232,971
24	287	$89,257	$2,209	$87,048	$1,145,922
24	288	$89,257	$2,053	$87,204	$1,058,718
25	289	$89,257	$1,897	$87,360	$971,358
25	290	$89,257	$1,740	$87,517	$883,841
25	291	$89,257	$1,584	$87,674	$796,167
25	292	$89,257	$1,426	$87,831	$708,336
25	293	$89,257	$1,269	$87,988	$620,348
25	294	$89,257	$1,111	$88,146	$532,202
25	295	$89,257	$954	$88,304	$443,898
25	296	$89,257	$795	$88,462	$355,436
25	297	$89,257	$637	$88,621	$266,815
25	298	$89,257	$478	$88,779	$178,036
25	299	$89,257	$319	$88,938	$89,098
25	300	$89,257	$160	$89,098	$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$ 13,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 14,145,000

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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.