Century 21 Centaland Property

Down Payment (HKD)

$17,200,000

Monthly Repayment (HKD)

$111,248

Loan Amount (HKD)

$25,800,000

Total Interest (HKD)

$7,574,486

Total Repayment (HKD)

$33,374,486

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$111,248	$46,225	$65,023	$25,734,977
1	2	$111,248	$46,108	$65,140	$25,669,837
1	3	$111,248	$45,992	$65,256	$25,604,580
1	4	$111,248	$45,875	$65,373	$25,539,207
1	5	$111,248	$45,758	$65,491	$25,473,716
1	6	$111,248	$45,640	$65,608	$25,408,109
1	7	$111,248	$45,523	$65,725	$25,342,383
1	8	$111,248	$45,405	$65,843	$25,276,540
1	9	$111,248	$45,287	$65,961	$25,210,579
1	10	$111,248	$45,169	$66,079	$25,144,500
1	11	$111,248	$45,051	$66,198	$25,078,302
1	12	$111,248	$44,932	$66,316	$25,011,985
2	13	$111,248	$44,813	$66,435	$24,945,550
2	14	$111,248	$44,694	$66,554	$24,878,996
2	15	$111,248	$44,575	$66,673	$24,812,323
2	16	$111,248	$44,455	$66,793	$24,745,530
2	17	$111,248	$44,336	$66,913	$24,678,617
2	18	$111,248	$44,216	$67,032	$24,611,585
2	19	$111,248	$44,096	$67,153	$24,544,432
2	20	$111,248	$43,975	$67,273	$24,477,160
2	21	$111,248	$43,855	$67,393	$24,409,766
2	22	$111,248	$43,734	$67,514	$24,342,252
2	23	$111,248	$43,613	$67,635	$24,274,617
2	24	$111,248	$43,492	$67,756	$24,206,861
3	25	$111,248	$43,371	$67,878	$24,138,983
3	26	$111,248	$43,249	$67,999	$24,070,984
3	27	$111,248	$43,127	$68,121	$24,002,863
3	28	$111,248	$43,005	$68,243	$23,934,619
3	29	$111,248	$42,883	$68,365	$23,866,254
3	30	$111,248	$42,760	$68,488	$23,797,766
3	31	$111,248	$42,638	$68,611	$23,729,155
3	32	$111,248	$42,515	$68,734	$23,660,422
3	33	$111,248	$42,392	$68,857	$23,591,565
3	34	$111,248	$42,268	$68,980	$23,522,585
3	35	$111,248	$42,145	$69,104	$23,453,482
3	36	$111,248	$42,021	$69,227	$23,384,254
4	37	$111,248	$41,897	$69,351	$23,314,903
4	38	$111,248	$41,773	$69,476	$23,245,427
4	39	$111,248	$41,648	$69,600	$23,175,827
4	40	$111,248	$41,523	$69,725	$23,106,102
4	41	$111,248	$41,398	$69,850	$23,036,252
4	42	$111,248	$41,273	$69,975	$22,966,277
4	43	$111,248	$41,148	$70,100	$22,896,176
4	44	$111,248	$41,022	$70,226	$22,825,950
4	45	$111,248	$40,896	$70,352	$22,755,599
4	46	$111,248	$40,770	$70,478	$22,685,121
4	47	$111,248	$40,644	$70,604	$22,614,517
4	48	$111,248	$40,518	$70,731	$22,543,786
5	49	$111,248	$40,391	$70,857	$22,472,929
5	50	$111,248	$40,264	$70,984	$22,401,944
5	51	$111,248	$40,137	$71,111	$22,330,833
5	52	$111,248	$40,009	$71,239	$22,259,594
5	53	$111,248	$39,882	$71,367	$22,188,228
5	54	$111,248	$39,754	$71,494	$22,116,733
5	55	$111,248	$39,626	$71,622	$22,045,111
5	56	$111,248	$39,497	$71,751	$21,973,360
5	57	$111,248	$39,369	$71,879	$21,901,481
5	58	$111,248	$39,240	$72,008	$21,829,473
5	59	$111,248	$39,111	$72,137	$21,757,335
5	60	$111,248	$38,982	$72,266	$21,685,069
6	61	$111,248	$38,852	$72,396	$21,612,673
6	62	$111,248	$38,723	$72,526	$21,540,148
6	63	$111,248	$38,593	$72,656	$21,467,492
6	64	$111,248	$38,463	$72,786	$21,394,706
6	65	$111,248	$38,332	$72,916	$21,321,790
6	66	$111,248	$38,202	$73,047	$21,248,743
6	67	$111,248	$38,071	$73,178	$21,175,566
6	68	$111,248	$37,940	$73,309	$21,102,257
6	69	$111,248	$37,808	$73,440	$21,028,817
6	70	$111,248	$37,677	$73,572	$20,955,245
6	71	$111,248	$37,545	$73,703	$20,881,542
6	72	$111,248	$37,413	$73,836	$20,807,706
7	73	$111,248	$37,280	$73,968	$20,733,739
7	74	$111,248	$37,148	$74,100	$20,659,638
7	75	$111,248	$37,015	$74,233	$20,585,405
7	76	$111,248	$36,882	$74,366	$20,511,039
7	77	$111,248	$36,749	$74,499	$20,436,540
7	78	$111,248	$36,615	$74,633	$20,361,907
7	79	$111,248	$36,482	$74,767	$20,287,140
7	80	$111,248	$36,348	$74,900	$20,212,240
7	81	$111,248	$36,214	$75,035	$20,137,205
7	82	$111,248	$36,079	$75,169	$20,062,036
7	83	$111,248	$35,944	$75,304	$19,986,732
7	84	$111,248	$35,810	$75,439	$19,911,293
8	85	$111,248	$35,674	$75,574	$19,835,720
8	86	$111,248	$35,539	$75,709	$19,760,010
8	87	$111,248	$35,403	$75,845	$19,684,165
8	88	$111,248	$35,267	$75,981	$19,608,185
8	89	$111,248	$35,131	$76,117	$19,532,068
8	90	$111,248	$34,995	$76,253	$19,455,814
8	91	$111,248	$34,858	$76,390	$19,379,424
8	92	$111,248	$34,721	$76,527	$19,302,898
8	93	$111,248	$34,584	$76,664	$19,226,234
8	94	$111,248	$34,447	$76,801	$19,149,432
8	95	$111,248	$34,309	$76,939	$19,072,493
8	96	$111,248	$34,172	$77,077	$18,995,417
9	97	$111,248	$34,033	$77,215	$18,918,202
9	98	$111,248	$33,895	$77,353	$18,840,849
9	99	$111,248	$33,757	$77,492	$18,763,357
9	100	$111,248	$33,618	$77,631	$18,685,726
9	101	$111,248	$33,479	$77,770	$18,607,957
9	102	$111,248	$33,339	$77,909	$18,530,048
9	103	$111,248	$33,200	$78,049	$18,451,999
9	104	$111,248	$33,060	$78,188	$18,373,810
9	105	$111,248	$32,920	$78,329	$18,295,482
9	106	$111,248	$32,779	$78,469	$18,217,013
9	107	$111,248	$32,639	$78,609	$18,138,404
9	108	$111,248	$32,498	$78,750	$18,059,653
10	109	$111,248	$32,357	$78,891	$17,980,762
10	110	$111,248	$32,216	$79,033	$17,901,729
10	111	$111,248	$32,074	$79,174	$17,822,555
10	112	$111,248	$31,932	$79,316	$17,743,239
10	113	$111,248	$31,790	$79,458	$17,663,780
10	114	$111,248	$31,648	$79,601	$17,584,180
10	115	$111,248	$31,505	$79,743	$17,504,436
10	116	$111,248	$31,362	$79,886	$17,424,550
10	117	$111,248	$31,219	$80,029	$17,344,521
10	118	$111,248	$31,076	$80,173	$17,264,348
10	119	$111,248	$30,932	$80,316	$17,184,032
10	120	$111,248	$30,788	$80,460	$17,103,572
11	121	$111,248	$30,644	$80,604	$17,022,967
11	122	$111,248	$30,499	$80,749	$16,942,218
11	123	$111,248	$30,355	$80,893	$16,861,325
11	124	$111,248	$30,210	$81,038	$16,780,286
11	125	$111,248	$30,065	$81,184	$16,699,103
11	126	$111,248	$29,919	$81,329	$16,617,774
11	127	$111,248	$29,774	$81,475	$16,536,299
11	128	$111,248	$29,628	$81,621	$16,454,678
11	129	$111,248	$29,481	$81,767	$16,372,911
11	130	$111,248	$29,335	$81,913	$16,290,998
11	131	$111,248	$29,188	$82,060	$16,208,938
11	132	$111,248	$29,041	$82,207	$16,126,730
12	133	$111,248	$28,894	$82,355	$16,044,376
12	134	$111,248	$28,746	$82,502	$15,961,874
12	135	$111,248	$28,598	$82,650	$15,879,224
12	136	$111,248	$28,450	$82,798	$15,796,426
12	137	$111,248	$28,302	$82,946	$15,713,479
12	138	$111,248	$28,153	$83,095	$15,630,384
12	139	$111,248	$28,004	$83,244	$15,547,141
12	140	$111,248	$27,855	$83,393	$15,463,748
12	141	$111,248	$27,706	$83,542	$15,380,205
12	142	$111,248	$27,556	$83,692	$15,296,513
12	143	$111,248	$27,406	$83,842	$15,212,671
12	144	$111,248	$27,256	$83,992	$15,128,679
13	145	$111,248	$27,106	$84,143	$15,044,536
13	146	$111,248	$26,955	$84,293	$14,960,243
13	147	$111,248	$26,804	$84,445	$14,875,798
13	148	$111,248	$26,652	$84,596	$14,791,202
13	149	$111,248	$26,501	$84,747	$14,706,455
13	150	$111,248	$26,349	$84,899	$14,621,556
13	151	$111,248	$26,197	$85,051	$14,536,504
13	152	$111,248	$26,045	$85,204	$14,451,301
13	153	$111,248	$25,892	$85,356	$14,365,944
13	154	$111,248	$25,739	$85,509	$14,280,435
13	155	$111,248	$25,586	$85,663	$14,194,772
13	156	$111,248	$25,432	$85,816	$14,108,956
14	157	$111,248	$25,279	$85,970	$14,022,987
14	158	$111,248	$25,125	$86,124	$13,936,863
14	159	$111,248	$24,970	$86,278	$13,850,585
14	160	$111,248	$24,816	$86,433	$13,764,152
14	161	$111,248	$24,661	$86,588	$13,677,565
14	162	$111,248	$24,506	$86,743	$13,590,822
14	163	$111,248	$24,350	$86,898	$13,503,924
14	164	$111,248	$24,195	$87,054	$13,416,870
14	165	$111,248	$24,039	$87,210	$13,329,660
14	166	$111,248	$23,882	$87,366	$13,242,294
14	167	$111,248	$23,726	$87,523	$13,154,772
14	168	$111,248	$23,569	$87,679	$13,067,093
15	169	$111,248	$23,412	$87,836	$12,979,256
15	170	$111,248	$23,255	$87,994	$12,891,262
15	171	$111,248	$23,097	$88,151	$12,803,111
15	172	$111,248	$22,939	$88,309	$12,714,802
15	173	$111,248	$22,781	$88,468	$12,626,334
15	174	$111,248	$22,622	$88,626	$12,537,708
15	175	$111,248	$22,463	$88,785	$12,448,923
15	176	$111,248	$22,304	$88,944	$12,359,979
15	177	$111,248	$22,145	$89,103	$12,270,876
15	178	$111,248	$21,985	$89,263	$12,181,613
15	179	$111,248	$21,825	$89,423	$12,092,190
15	180	$111,248	$21,665	$89,583	$12,002,607
16	181	$111,248	$21,505	$89,744	$11,912,863
16	182	$111,248	$21,344	$89,904	$11,822,959
16	183	$111,248	$21,183	$90,065	$11,732,893
16	184	$111,248	$21,021	$90,227	$11,642,666
16	185	$111,248	$20,860	$90,389	$11,552,278
16	186	$111,248	$20,698	$90,550	$11,461,727
16	187	$111,248	$20,536	$90,713	$11,371,015
16	188	$111,248	$20,373	$90,875	$11,280,140
16	189	$111,248	$20,210	$91,038	$11,189,101
16	190	$111,248	$20,047	$91,201	$11,097,900
16	191	$111,248	$19,884	$91,365	$11,006,536
16	192	$111,248	$19,720	$91,528	$10,915,008
17	193	$111,248	$19,556	$91,692	$10,823,315
17	194	$111,248	$19,392	$91,857	$10,731,459
17	195	$111,248	$19,227	$92,021	$10,639,438
17	196	$111,248	$19,062	$92,186	$10,547,252
17	197	$111,248	$18,897	$92,351	$10,454,901
17	198	$111,248	$18,732	$92,517	$10,362,384
17	199	$111,248	$18,566	$92,682	$10,269,702
17	200	$111,248	$18,400	$92,848	$10,176,853
17	201	$111,248	$18,234	$93,015	$10,083,839
17	202	$111,248	$18,067	$93,181	$9,990,657
17	203	$111,248	$17,900	$93,348	$9,897,309
17	204	$111,248	$17,733	$93,516	$9,803,793
18	205	$111,248	$17,565	$93,683	$9,710,110
18	206	$111,248	$17,397	$93,851	$9,616,259
18	207	$111,248	$17,229	$94,019	$9,522,240
18	208	$111,248	$17,061	$94,188	$9,428,052
18	209	$111,248	$16,892	$94,356	$9,333,696
18	210	$111,248	$16,723	$94,525	$9,239,170
18	211	$111,248	$16,554	$94,695	$9,144,476
18	212	$111,248	$16,384	$94,864	$9,049,611
18	213	$111,248	$16,214	$95,034	$8,954,577
18	214	$111,248	$16,044	$95,205	$8,859,372
18	215	$111,248	$15,873	$95,375	$8,763,997
18	216	$111,248	$15,702	$95,546	$8,668,451
19	217	$111,248	$15,531	$95,717	$8,572,734
19	218	$111,248	$15,359	$95,889	$8,476,845
19	219	$111,248	$15,188	$96,061	$8,380,784
19	220	$111,248	$15,016	$96,233	$8,284,551
19	221	$111,248	$14,843	$96,405	$8,188,146
19	222	$111,248	$14,670	$96,578	$8,091,568
19	223	$111,248	$14,497	$96,751	$7,994,818
19	224	$111,248	$14,324	$96,924	$7,897,893
19	225	$111,248	$14,150	$97,098	$7,800,795
19	226	$111,248	$13,976	$97,272	$7,703,524
19	227	$111,248	$13,802	$97,446	$7,606,077
19	228	$111,248	$13,628	$97,621	$7,508,457
20	229	$111,248	$13,453	$97,796	$7,410,661
20	230	$111,248	$13,277	$97,971	$7,312,690
20	231	$111,248	$13,102	$98,146	$7,214,544
20	232	$111,248	$12,926	$98,322	$7,116,222
20	233	$111,248	$12,750	$98,498	$7,017,723
20	234	$111,248	$12,573	$98,675	$6,919,048
20	235	$111,248	$12,397	$98,852	$6,820,197
20	236	$111,248	$12,220	$99,029	$6,721,168
20	237	$111,248	$12,042	$99,206	$6,621,962
20	238	$111,248	$11,864	$99,384	$6,522,578
20	239	$111,248	$11,686	$99,562	$6,423,016
20	240	$111,248	$11,508	$99,740	$6,323,275
21	241	$111,248	$11,329	$99,919	$6,223,356
21	242	$111,248	$11,150	$100,098	$6,123,258
21	243	$111,248	$10,971	$100,277	$6,022,981
21	244	$111,248	$10,791	$100,457	$5,922,524
21	245	$111,248	$10,611	$100,637	$5,821,887
21	246	$111,248	$10,431	$100,817	$5,721,069
21	247	$111,248	$10,250	$100,998	$5,620,071
21	248	$111,248	$10,069	$101,179	$5,518,892
21	249	$111,248	$9,888	$101,360	$5,417,532
21	250	$111,248	$9,706	$101,542	$5,315,990
21	251	$111,248	$9,524	$101,724	$5,214,266
21	252	$111,248	$9,342	$101,906	$5,112,360
22	253	$111,248	$9,160	$102,089	$5,010,271
22	254	$111,248	$8,977	$102,272	$4,908,000
22	255	$111,248	$8,793	$102,455	$4,805,545
22	256	$111,248	$8,610	$102,638	$4,702,907
22	257	$111,248	$8,426	$102,822	$4,600,084
22	258	$111,248	$8,242	$103,006	$4,497,078
22	259	$111,248	$8,057	$103,191	$4,393,887
22	260	$111,248	$7,872	$103,376	$4,290,511
22	261	$111,248	$7,687	$103,561	$4,186,950
22	262	$111,248	$7,502	$103,747	$4,083,203
22	263	$111,248	$7,316	$103,933	$3,979,271
22	264	$111,248	$7,130	$104,119	$3,875,152
23	265	$111,248	$6,943	$104,305	$3,770,847
23	266	$111,248	$6,756	$104,492	$3,666,355
23	267	$111,248	$6,569	$104,679	$3,561,675
23	268	$111,248	$6,381	$104,867	$3,456,808
23	269	$111,248	$6,193	$105,055	$3,351,753
23	270	$111,248	$6,005	$105,243	$3,246,510
23	271	$111,248	$5,817	$105,432	$3,141,079
23	272	$111,248	$5,628	$105,621	$3,035,458
23	273	$111,248	$5,439	$105,810	$2,929,648
23	274	$111,248	$5,249	$105,999	$2,823,649
23	275	$111,248	$5,059	$106,189	$2,717,460
23	276	$111,248	$4,869	$106,380	$2,611,080
24	277	$111,248	$4,678	$106,570	$2,504,510
24	278	$111,248	$4,487	$106,761	$2,397,749
24	279	$111,248	$4,296	$106,952	$2,290,797
24	280	$111,248	$4,104	$107,144	$2,183,653
24	281	$111,248	$3,912	$107,336	$2,076,317
24	282	$111,248	$3,720	$107,528	$1,968,789
24	283	$111,248	$3,527	$107,721	$1,861,068
24	284	$111,248	$3,334	$107,914	$1,753,154
24	285	$111,248	$3,141	$108,107	$1,645,047
24	286	$111,248	$2,947	$108,301	$1,536,746
24	287	$111,248	$2,753	$108,495	$1,428,251
24	288	$111,248	$2,559	$108,689	$1,319,562
25	289	$111,248	$2,364	$108,884	$1,210,678
25	290	$111,248	$2,169	$109,079	$1,101,598
25	291	$111,248	$1,974	$109,275	$992,324
25	292	$111,248	$1,778	$109,470	$882,853
25	293	$111,248	$1,582	$109,667	$773,187
25	294	$111,248	$1,385	$109,863	$663,324
25	295	$111,248	$1,188	$110,060	$553,264
25	296	$111,248	$991	$110,257	$443,007
25	297	$111,248	$794	$110,455	$332,552
25	298	$111,248	$596	$110,652	$221,900
25	299	$111,248	$398	$110,851	$111,049
25	300	$111,248	$199	$111,049	$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$ 17,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,630,000

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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.