Century 21 Centaland Property

Down Payment (HKD)

$15,320,000

Monthly Repayment (HKD)

$99,089

Loan Amount (HKD)

$22,980,000

Total Interest (HKD)

$6,746,577

Total Repayment (HKD)

$29,726,577

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$99,089	$41,173	$57,916	$22,922,084
1	2	$99,089	$41,069	$58,020	$22,864,064
1	3	$99,089	$40,965	$58,124	$22,805,940
1	4	$99,089	$40,861	$58,228	$22,747,712
1	5	$99,089	$40,756	$58,332	$22,689,380
1	6	$99,089	$40,652	$58,437	$22,630,943
1	7	$99,089	$40,547	$58,541	$22,572,402
1	8	$99,089	$40,442	$58,646	$22,513,755
1	9	$99,089	$40,337	$58,751	$22,455,004
1	10	$99,089	$40,232	$58,857	$22,396,147
1	11	$99,089	$40,126	$58,962	$22,337,185
1	12	$99,089	$40,021	$59,068	$22,278,117
2	13	$99,089	$39,915	$59,174	$22,218,944
2	14	$99,089	$39,809	$59,280	$22,159,664
2	15	$99,089	$39,703	$59,386	$22,100,278
2	16	$99,089	$39,596	$59,492	$22,040,786
2	17	$99,089	$39,490	$59,599	$21,981,187
2	18	$99,089	$39,383	$59,706	$21,921,481
2	19	$99,089	$39,276	$59,813	$21,861,669
2	20	$99,089	$39,169	$59,920	$21,801,749
2	21	$99,089	$39,061	$60,027	$21,741,722
2	22	$99,089	$38,954	$60,135	$21,681,587
2	23	$99,089	$38,846	$60,242	$21,621,345
2	24	$99,089	$38,738	$60,350	$21,560,994
3	25	$99,089	$38,630	$60,458	$21,500,536
3	26	$99,089	$38,522	$60,567	$21,439,969
3	27	$99,089	$38,413	$60,675	$21,379,294
3	28	$99,089	$38,305	$60,784	$21,318,510
3	29	$99,089	$38,196	$60,893	$21,257,617
3	30	$99,089	$38,087	$61,002	$21,196,615
3	31	$99,089	$37,977	$61,111	$21,135,504
3	32	$99,089	$37,868	$61,221	$21,074,283
3	33	$99,089	$37,758	$61,330	$21,012,952
3	34	$99,089	$37,648	$61,440	$20,951,512
3	35	$99,089	$37,538	$61,550	$20,889,961
3	36	$99,089	$37,428	$61,661	$20,828,301
4	37	$99,089	$37,317	$61,771	$20,766,529
4	38	$99,089	$37,207	$61,882	$20,704,648
4	39	$99,089	$37,096	$61,993	$20,642,655
4	40	$99,089	$36,985	$62,104	$20,580,551
4	41	$99,089	$36,873	$62,215	$20,518,336
4	42	$99,089	$36,762	$62,327	$20,456,009
4	43	$99,089	$36,650	$62,438	$20,393,571
4	44	$99,089	$36,538	$62,550	$20,331,021
4	45	$99,089	$36,426	$62,662	$20,268,359
4	46	$99,089	$36,314	$62,774	$20,205,584
4	47	$99,089	$36,202	$62,887	$20,142,697
4	48	$99,089	$36,089	$63,000	$20,079,698
5	49	$99,089	$35,976	$63,112	$20,016,585
5	50	$99,089	$35,863	$63,226	$19,953,360
5	51	$99,089	$35,750	$63,339	$19,890,021
5	52	$99,089	$35,636	$63,452	$19,826,569
5	53	$99,089	$35,523	$63,566	$19,763,003
5	54	$99,089	$35,409	$63,680	$19,699,323
5	55	$99,089	$35,295	$63,794	$19,635,529
5	56	$99,089	$35,180	$63,908	$19,571,621
5	57	$99,089	$35,066	$64,023	$19,507,598
5	58	$99,089	$34,951	$64,137	$19,443,460
5	59	$99,089	$34,836	$64,252	$19,379,208
5	60	$99,089	$34,721	$64,368	$19,314,840
6	61	$99,089	$34,606	$64,483	$19,250,358
6	62	$99,089	$34,490	$64,598	$19,185,759
6	63	$99,089	$34,374	$64,714	$19,121,045
6	64	$99,089	$34,259	$64,830	$19,056,215
6	65	$99,089	$34,142	$64,946	$18,991,269
6	66	$99,089	$34,026	$65,063	$18,926,206
6	67	$99,089	$33,909	$65,179	$18,861,027
6	68	$99,089	$33,793	$65,296	$18,795,731
6	69	$99,089	$33,676	$65,413	$18,730,318
6	70	$99,089	$33,558	$65,530	$18,664,788
6	71	$99,089	$33,441	$65,648	$18,599,141
6	72	$99,089	$33,323	$65,765	$18,533,376
7	73	$99,089	$33,206	$65,883	$18,467,493
7	74	$99,089	$33,088	$66,001	$18,401,492
7	75	$99,089	$32,969	$66,119	$18,335,372
7	76	$99,089	$32,851	$66,238	$18,269,135
7	77	$99,089	$32,732	$66,356	$18,202,778
7	78	$99,089	$32,613	$66,475	$18,136,303
7	79	$99,089	$32,494	$66,594	$18,069,709
7	80	$99,089	$32,375	$66,714	$18,002,995
7	81	$99,089	$32,255	$66,833	$17,936,162
7	82	$99,089	$32,136	$66,953	$17,869,209
7	83	$99,089	$32,016	$67,073	$17,802,136
7	84	$99,089	$31,895	$67,193	$17,734,943
8	85	$99,089	$31,775	$67,313	$17,667,629
8	86	$99,089	$31,655	$67,434	$17,600,195
8	87	$99,089	$31,534	$67,555	$17,532,640
8	88	$99,089	$31,413	$67,676	$17,464,964
8	89	$99,089	$31,291	$67,797	$17,397,167
8	90	$99,089	$31,170	$67,919	$17,329,249
8	91	$99,089	$31,048	$68,040	$17,261,208
8	92	$99,089	$30,926	$68,162	$17,193,046
8	93	$99,089	$30,804	$68,284	$17,124,762
8	94	$99,089	$30,682	$68,407	$17,056,355
8	95	$99,089	$30,559	$68,529	$16,987,826
8	96	$99,089	$30,437	$68,652	$16,919,173
9	97	$99,089	$30,314	$68,775	$16,850,398
9	98	$99,089	$30,190	$68,898	$16,781,500
9	99	$99,089	$30,067	$69,022	$16,712,478
9	100	$99,089	$29,943	$69,145	$16,643,333
9	101	$99,089	$29,819	$69,269	$16,574,064
9	102	$99,089	$29,695	$69,393	$16,504,670
9	103	$99,089	$29,571	$69,518	$16,435,153
9	104	$99,089	$29,446	$69,642	$16,365,510
9	105	$99,089	$29,322	$69,767	$16,295,743
9	106	$99,089	$29,197	$69,892	$16,225,851
9	107	$99,089	$29,071	$70,017	$16,155,834
9	108	$99,089	$28,946	$70,143	$16,085,691
10	109	$99,089	$28,820	$70,268	$16,015,423
10	110	$99,089	$28,694	$70,394	$15,945,029
10	111	$99,089	$28,568	$70,520	$15,874,508
10	112	$99,089	$28,442	$70,647	$15,803,861
10	113	$99,089	$28,315	$70,773	$15,733,088
10	114	$99,089	$28,188	$70,900	$15,662,188
10	115	$99,089	$28,061	$71,027	$15,591,161
10	116	$99,089	$27,934	$71,154	$15,520,006
10	117	$99,089	$27,807	$71,282	$15,448,724
10	118	$99,089	$27,679	$71,410	$15,377,315
10	119	$99,089	$27,551	$71,538	$15,305,777
10	120	$99,089	$27,423	$71,666	$15,234,111
11	121	$99,089	$27,294	$71,794	$15,162,317
11	122	$99,089	$27,166	$71,923	$15,090,395
11	123	$99,089	$27,037	$72,052	$15,018,343
11	124	$99,089	$26,908	$72,181	$14,946,162
11	125	$99,089	$26,779	$72,310	$14,873,852
11	126	$99,089	$26,649	$72,440	$14,801,412
11	127	$99,089	$26,519	$72,569	$14,728,843
11	128	$99,089	$26,389	$72,699	$14,656,144
11	129	$99,089	$26,259	$72,830	$14,583,314
11	130	$99,089	$26,128	$72,960	$14,510,354
11	131	$99,089	$25,998	$73,091	$14,437,263
11	132	$99,089	$25,867	$73,222	$14,364,041
12	133	$99,089	$25,736	$73,353	$14,290,688
12	134	$99,089	$25,604	$73,484	$14,217,204
12	135	$99,089	$25,472	$73,616	$14,143,588
12	136	$99,089	$25,341	$73,748	$14,069,840
12	137	$99,089	$25,208	$73,880	$13,995,959
12	138	$99,089	$25,076	$74,012	$13,921,947
12	139	$99,089	$24,943	$74,145	$13,847,802
12	140	$99,089	$24,811	$74,278	$13,773,524
12	141	$99,089	$24,678	$74,411	$13,699,113
12	142	$99,089	$24,544	$74,544	$13,624,569
12	143	$99,089	$24,411	$74,678	$13,549,891
12	144	$99,089	$24,277	$74,812	$13,475,079
13	145	$99,089	$24,143	$74,946	$13,400,133
13	146	$99,089	$24,009	$75,080	$13,325,053
13	147	$99,089	$23,874	$75,215	$13,249,839
13	148	$99,089	$23,739	$75,349	$13,174,489
13	149	$99,089	$23,604	$75,484	$13,099,005
13	150	$99,089	$23,469	$75,620	$13,023,386
13	151	$99,089	$23,334	$75,755	$12,947,631
13	152	$99,089	$23,198	$75,891	$12,871,740
13	153	$99,089	$23,062	$76,027	$12,795,713
13	154	$99,089	$22,926	$76,163	$12,719,550
13	155	$99,089	$22,789	$76,299	$12,643,251
13	156	$99,089	$22,652	$76,436	$12,566,815
14	157	$99,089	$22,516	$76,573	$12,490,242
14	158	$99,089	$22,378	$76,710	$12,413,531
14	159	$99,089	$22,241	$76,848	$12,336,684
14	160	$99,089	$22,103	$76,985	$12,259,698
14	161	$99,089	$21,965	$77,123	$12,182,575
14	162	$99,089	$21,827	$77,261	$12,105,314
14	163	$99,089	$21,689	$77,400	$12,027,914
14	164	$99,089	$21,550	$77,539	$11,950,375
14	165	$99,089	$21,411	$77,678	$11,872,698
14	166	$99,089	$21,272	$77,817	$11,794,881
14	167	$99,089	$21,132	$77,956	$11,716,925
14	168	$99,089	$20,993	$78,096	$11,638,829
15	169	$99,089	$20,853	$78,236	$11,560,593
15	170	$99,089	$20,713	$78,376	$11,482,217
15	171	$99,089	$20,572	$78,516	$11,403,701
15	172	$99,089	$20,432	$78,657	$11,325,044
15	173	$99,089	$20,291	$78,798	$11,246,246
15	174	$99,089	$20,150	$78,939	$11,167,307
15	175	$99,089	$20,008	$79,080	$11,088,227
15	176	$99,089	$19,866	$79,222	$11,009,005
15	177	$99,089	$19,724	$79,364	$10,929,640
15	178	$99,089	$19,582	$79,506	$10,850,134
15	179	$99,089	$19,440	$79,649	$10,770,485
15	180	$99,089	$19,297	$79,791	$10,690,694
16	181	$99,089	$19,154	$79,934	$10,610,759
16	182	$99,089	$19,011	$80,078	$10,530,682
16	183	$99,089	$18,867	$80,221	$10,450,461
16	184	$99,089	$18,724	$80,365	$10,370,096
16	185	$99,089	$18,580	$80,509	$10,289,587
16	186	$99,089	$18,436	$80,653	$10,208,934
16	187	$99,089	$18,291	$80,798	$10,128,136
16	188	$99,089	$18,146	$80,942	$10,047,194
16	189	$99,089	$18,001	$81,087	$9,966,107
16	190	$99,089	$17,856	$81,233	$9,884,874
16	191	$99,089	$17,710	$81,378	$9,803,496
16	192	$99,089	$17,565	$81,524	$9,721,972
17	193	$99,089	$17,419	$81,670	$9,640,302
17	194	$99,089	$17,272	$81,816	$9,558,485
17	195	$99,089	$17,126	$81,963	$9,476,522
17	196	$99,089	$16,979	$82,110	$9,394,413
17	197	$99,089	$16,832	$82,257	$9,312,156
17	198	$99,089	$16,684	$82,404	$9,229,751
17	199	$99,089	$16,537	$82,552	$9,147,199
17	200	$99,089	$16,389	$82,700	$9,064,500
17	201	$99,089	$16,241	$82,848	$8,981,652
17	202	$99,089	$16,092	$82,996	$8,898,655
17	203	$99,089	$15,943	$83,145	$8,815,510
17	204	$99,089	$15,794	$83,294	$8,732,216
18	205	$99,089	$15,645	$83,443	$8,648,772
18	206	$99,089	$15,496	$83,593	$8,565,180
18	207	$99,089	$15,346	$83,743	$8,481,437
18	208	$99,089	$15,196	$83,893	$8,397,544
18	209	$99,089	$15,046	$84,043	$8,313,501
18	210	$99,089	$14,895	$84,194	$8,229,308
18	211	$99,089	$14,744	$84,344	$8,144,963
18	212	$99,089	$14,593	$84,496	$8,060,468
18	213	$99,089	$14,442	$84,647	$7,975,821
18	214	$99,089	$14,290	$84,799	$7,891,022
18	215	$99,089	$14,138	$84,951	$7,806,072
18	216	$99,089	$13,986	$85,103	$7,720,969
19	217	$99,089	$13,833	$85,255	$7,635,714
19	218	$99,089	$13,681	$85,408	$7,550,306
19	219	$99,089	$13,528	$85,561	$7,464,745
19	220	$99,089	$13,374	$85,714	$7,379,031
19	221	$99,089	$13,221	$85,868	$7,293,163
19	222	$99,089	$13,067	$86,022	$7,207,141
19	223	$99,089	$12,913	$86,176	$7,120,965
19	224	$99,089	$12,758	$86,330	$7,034,635
19	225	$99,089	$12,604	$86,485	$6,948,150
19	226	$99,089	$12,449	$86,640	$6,861,510
19	227	$99,089	$12,294	$86,795	$6,774,715
19	228	$99,089	$12,138	$86,951	$6,687,765
20	229	$99,089	$11,982	$87,106	$6,600,659
20	230	$99,089	$11,826	$87,262	$6,513,396
20	231	$99,089	$11,670	$87,419	$6,425,977
20	232	$99,089	$11,513	$87,575	$6,338,402
20	233	$99,089	$11,356	$87,732	$6,250,670
20	234	$99,089	$11,199	$87,889	$6,162,780
20	235	$99,089	$11,042	$88,047	$6,074,733
20	236	$99,089	$10,884	$88,205	$5,986,529
20	237	$99,089	$10,726	$88,363	$5,898,166
20	238	$99,089	$10,568	$88,521	$5,809,645
20	239	$99,089	$10,409	$88,680	$5,720,965
20	240	$99,089	$10,250	$88,839	$5,632,127
21	241	$99,089	$10,091	$88,998	$5,543,129
21	242	$99,089	$9,931	$89,157	$5,453,972
21	243	$99,089	$9,772	$89,317	$5,364,655
21	244	$99,089	$9,612	$89,477	$5,275,178
21	245	$99,089	$9,451	$89,637	$5,185,541
21	246	$99,089	$9,291	$89,798	$5,095,743
21	247	$99,089	$9,130	$89,959	$5,005,784
21	248	$99,089	$8,969	$90,120	$4,915,664
21	249	$99,089	$8,807	$90,281	$4,825,383
21	250	$99,089	$8,645	$90,443	$4,734,940
21	251	$99,089	$8,483	$90,605	$4,644,335
21	252	$99,089	$8,321	$90,767	$4,553,567
22	253	$99,089	$8,158	$90,930	$4,462,637
22	254	$99,089	$7,996	$91,093	$4,371,544
22	255	$99,089	$7,832	$91,256	$4,280,288
22	256	$99,089	$7,669	$91,420	$4,188,868
22	257	$99,089	$7,505	$91,584	$4,097,285
22	258	$99,089	$7,341	$91,748	$4,005,537
22	259	$99,089	$7,177	$91,912	$3,913,625
22	260	$99,089	$7,012	$92,077	$3,821,548
22	261	$99,089	$6,847	$92,242	$3,729,307
22	262	$99,089	$6,682	$92,407	$3,636,900
22	263	$99,089	$6,516	$92,572	$3,544,327
22	264	$99,089	$6,350	$92,738	$3,451,589
23	265	$99,089	$6,184	$92,904	$3,358,684
23	266	$99,089	$6,018	$93,071	$3,265,613
23	267	$99,089	$5,851	$93,238	$3,172,376
23	268	$99,089	$5,684	$93,405	$3,078,971
23	269	$99,089	$5,516	$93,572	$2,985,399
23	270	$99,089	$5,349	$93,740	$2,891,659
23	271	$99,089	$5,181	$93,908	$2,797,751
23	272	$99,089	$5,013	$94,076	$2,703,675
23	273	$99,089	$4,844	$94,245	$2,609,431
23	274	$99,089	$4,675	$94,413	$2,515,018
23	275	$99,089	$4,506	$94,583	$2,420,435
23	276	$99,089	$4,337	$94,752	$2,325,683
24	277	$99,089	$4,167	$94,922	$2,230,761
24	278	$99,089	$3,997	$95,092	$2,135,670
24	279	$99,089	$3,826	$95,262	$2,040,407
24	280	$99,089	$3,656	$95,433	$1,944,975
24	281	$99,089	$3,485	$95,604	$1,849,371
24	282	$99,089	$3,313	$95,775	$1,753,596
24	283	$99,089	$3,142	$95,947	$1,657,649
24	284	$99,089	$2,970	$96,119	$1,561,530
24	285	$99,089	$2,798	$96,291	$1,465,239
24	286	$99,089	$2,625	$96,463	$1,368,776
24	287	$99,089	$2,452	$96,636	$1,272,140
24	288	$99,089	$2,279	$96,809	$1,175,330
25	289	$99,089	$2,106	$96,983	$1,078,348
25	290	$99,089	$1,932	$97,157	$981,191
25	291	$99,089	$1,758	$97,331	$883,860
25	292	$99,089	$1,584	$97,505	$786,355
25	293	$99,089	$1,409	$97,680	$688,676
25	294	$99,089	$1,234	$97,855	$590,821
25	295	$99,089	$1,059	$98,030	$492,791
25	296	$99,089	$883	$98,206	$394,585
25	297	$99,089	$707	$98,382	$296,204
25	298	$99,089	$531	$98,558	$197,646
25	299	$99,089	$354	$98,734	$98,911
25	300	$99,089	$177	$98,911	$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$ 15,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,703,000

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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.