Century 21 Centaland Property

Down Payment (HKD)

$32,800,000

Monthly Repayment (HKD)

$212,148

Loan Amount (HKD)

$49,200,000

Total Interest (HKD)

$14,444,368

Total Repayment (HKD)

$63,644,368

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$212,148	$88,150	$123,998	$49,076,002
1	2	$212,148	$87,928	$124,220	$48,951,782
1	3	$212,148	$87,705	$124,443	$48,827,339
1	4	$212,148	$87,482	$124,666	$48,702,674
1	5	$212,148	$87,259	$124,889	$48,577,785
1	6	$212,148	$87,035	$125,113	$48,452,672
1	7	$212,148	$86,811	$125,337	$48,327,335
1	8	$212,148	$86,586	$125,561	$48,201,774
1	9	$212,148	$86,362	$125,786	$48,075,988
1	10	$212,148	$86,136	$126,012	$47,949,976
1	11	$212,148	$85,910	$126,238	$47,823,738
1	12	$212,148	$85,684	$126,464	$47,697,275
2	13	$212,148	$85,458	$126,690	$47,570,584
2	14	$212,148	$85,231	$126,917	$47,443,667
2	15	$212,148	$85,003	$127,145	$47,316,522
2	16	$212,148	$84,775	$127,372	$47,189,150
2	17	$212,148	$84,547	$127,601	$47,061,549
2	18	$212,148	$84,319	$127,829	$46,933,720
2	19	$212,148	$84,090	$128,058	$46,805,662
2	20	$212,148	$83,860	$128,288	$46,677,374
2	21	$212,148	$83,630	$128,518	$46,548,856
2	22	$212,148	$83,400	$128,748	$46,420,108
2	23	$212,148	$83,169	$128,979	$46,291,130
2	24	$212,148	$82,938	$129,210	$46,161,920
3	25	$212,148	$82,707	$129,441	$46,032,479
3	26	$212,148	$82,475	$129,673	$45,902,806
3	27	$212,148	$82,243	$129,905	$45,772,901
3	28	$212,148	$82,010	$130,138	$45,642,763
3	29	$212,148	$81,777	$130,371	$45,512,391
3	30	$212,148	$81,543	$130,605	$45,381,787
3	31	$212,148	$81,309	$130,839	$45,250,948
3	32	$212,148	$81,075	$131,073	$45,119,874
3	33	$212,148	$80,840	$131,308	$44,988,566
3	34	$212,148	$80,605	$131,543	$44,857,023
3	35	$212,148	$80,369	$131,779	$44,725,244
3	36	$212,148	$80,133	$132,015	$44,593,229
4	37	$212,148	$79,896	$132,252	$44,460,977
4	38	$212,148	$79,659	$132,489	$44,328,488
4	39	$212,148	$79,422	$132,726	$44,195,762
4	40	$212,148	$79,184	$132,964	$44,062,799
4	41	$212,148	$78,946	$133,202	$43,929,596
4	42	$212,148	$78,707	$133,441	$43,796,156
4	43	$212,148	$78,468	$133,680	$43,662,476
4	44	$212,148	$78,229	$133,919	$43,528,557
4	45	$212,148	$77,989	$134,159	$43,394,397
4	46	$212,148	$77,748	$134,400	$43,259,998
4	47	$212,148	$77,507	$134,640	$43,125,357
4	48	$212,148	$77,266	$134,882	$42,990,476
5	49	$212,148	$77,025	$135,123	$42,855,353
5	50	$212,148	$76,783	$135,365	$42,719,987
5	51	$212,148	$76,540	$135,608	$42,584,379
5	52	$212,148	$76,297	$135,851	$42,448,528
5	53	$212,148	$76,054	$136,094	$42,312,434
5	54	$212,148	$75,810	$136,338	$42,176,096
5	55	$212,148	$75,566	$136,582	$42,039,514
5	56	$212,148	$75,321	$136,827	$41,902,686
5	57	$212,148	$75,076	$137,072	$41,765,614
5	58	$212,148	$74,830	$137,318	$41,628,296
5	59	$212,148	$74,584	$137,564	$41,490,733
5	60	$212,148	$74,338	$137,810	$41,352,922
6	61	$212,148	$74,091	$138,057	$41,214,865
6	62	$212,148	$73,843	$138,305	$41,076,560
6	63	$212,148	$73,596	$138,552	$40,938,008
6	64	$212,148	$73,347	$138,801	$40,799,207
6	65	$212,148	$73,099	$139,049	$40,660,158
6	66	$212,148	$72,849	$139,298	$40,520,860
6	67	$212,148	$72,600	$139,548	$40,381,312
6	68	$212,148	$72,350	$139,798	$40,241,514
6	69	$212,148	$72,099	$140,049	$40,101,465
6	70	$212,148	$71,848	$140,299	$39,961,166
6	71	$212,148	$71,597	$140,551	$39,820,615
6	72	$212,148	$71,345	$140,803	$39,679,812
7	73	$212,148	$71,093	$141,055	$39,538,757
7	74	$212,148	$70,840	$141,308	$39,397,450
7	75	$212,148	$70,587	$141,561	$39,255,889
7	76	$212,148	$70,333	$141,814	$39,114,074
7	77	$212,148	$70,079	$142,069	$38,972,006
7	78	$212,148	$69,825	$142,323	$38,829,683
7	79	$212,148	$69,570	$142,578	$38,687,105
7	80	$212,148	$69,314	$142,833	$38,544,271
7	81	$212,148	$69,058	$143,089	$38,401,182
7	82	$212,148	$68,802	$143,346	$38,257,836
7	83	$212,148	$68,545	$143,603	$38,114,234
7	84	$212,148	$68,288	$143,860	$37,970,374
8	85	$212,148	$68,030	$144,118	$37,826,256
8	86	$212,148	$67,772	$144,376	$37,681,880
8	87	$212,148	$67,513	$144,635	$37,537,246
8	88	$212,148	$67,254	$144,894	$37,392,352
8	89	$212,148	$66,995	$145,153	$37,247,199
8	90	$212,148	$66,735	$145,413	$37,101,785
8	91	$212,148	$66,474	$145,674	$36,956,111
8	92	$212,148	$66,213	$145,935	$36,810,177
8	93	$212,148	$65,952	$146,196	$36,663,980
8	94	$212,148	$65,690	$146,458	$36,517,522
8	95	$212,148	$65,427	$146,721	$36,370,801
8	96	$212,148	$65,164	$146,984	$36,223,818
9	97	$212,148	$64,901	$147,247	$36,076,571
9	98	$212,148	$64,637	$147,511	$35,929,060
9	99	$212,148	$64,373	$147,775	$35,781,285
9	100	$212,148	$64,108	$148,040	$35,633,245
9	101	$212,148	$63,843	$148,305	$35,484,940
9	102	$212,148	$63,577	$148,571	$35,336,370
9	103	$212,148	$63,311	$148,837	$35,187,533
9	104	$212,148	$63,044	$149,104	$35,038,429
9	105	$212,148	$62,777	$149,371	$34,889,059
9	106	$212,148	$62,510	$149,638	$34,739,420
9	107	$212,148	$62,241	$149,906	$34,589,514
9	108	$212,148	$61,973	$150,175	$34,439,339
10	109	$212,148	$61,704	$150,444	$34,288,895
10	110	$212,148	$61,434	$150,714	$34,138,181
10	111	$212,148	$61,164	$150,984	$33,987,197
10	112	$212,148	$60,894	$151,254	$33,835,943
10	113	$212,148	$60,623	$151,525	$33,684,418
10	114	$212,148	$60,351	$151,797	$33,532,622
10	115	$212,148	$60,079	$152,069	$33,380,553
10	116	$212,148	$59,807	$152,341	$33,228,212
10	117	$212,148	$59,534	$152,614	$33,075,598
10	118	$212,148	$59,260	$152,887	$32,922,710
10	119	$212,148	$58,987	$153,161	$32,769,549
10	120	$212,148	$58,712	$153,436	$32,616,113
11	121	$212,148	$58,437	$153,711	$32,462,403
11	122	$212,148	$58,162	$153,986	$32,308,416
11	123	$212,148	$57,886	$154,262	$32,154,154
11	124	$212,148	$57,610	$154,538	$31,999,616
11	125	$212,148	$57,333	$154,815	$31,844,801
11	126	$212,148	$57,055	$155,093	$31,689,708
11	127	$212,148	$56,777	$155,370	$31,534,338
11	128	$212,148	$56,499	$155,649	$31,378,689
11	129	$212,148	$56,220	$155,928	$31,222,761
11	130	$212,148	$55,941	$156,207	$31,066,554
11	131	$212,148	$55,661	$156,487	$30,910,067
11	132	$212,148	$55,381	$156,767	$30,753,300
12	133	$212,148	$55,100	$157,048	$30,596,251
12	134	$212,148	$54,818	$157,330	$30,438,922
12	135	$212,148	$54,536	$157,611	$30,281,310
12	136	$212,148	$54,254	$157,894	$30,123,416
12	137	$212,148	$53,971	$158,177	$29,965,240
12	138	$212,148	$53,688	$158,460	$29,806,779
12	139	$212,148	$53,404	$158,744	$29,648,035
12	140	$212,148	$53,119	$159,028	$29,489,007
12	141	$212,148	$52,834	$159,313	$29,329,693
12	142	$212,148	$52,549	$159,599	$29,170,095
12	143	$212,148	$52,263	$159,885	$29,010,210
12	144	$212,148	$51,977	$160,171	$28,850,039
13	145	$212,148	$51,690	$160,458	$28,689,580
13	146	$212,148	$51,402	$160,746	$28,528,835
13	147	$212,148	$51,114	$161,034	$28,367,801
13	148	$212,148	$50,826	$161,322	$28,206,479
13	149	$212,148	$50,537	$161,611	$28,044,867
13	150	$212,148	$50,247	$161,901	$27,882,966
13	151	$212,148	$49,957	$162,191	$27,720,776
13	152	$212,148	$49,666	$162,482	$27,558,294
13	153	$212,148	$49,375	$162,773	$27,395,521
13	154	$212,148	$49,084	$163,064	$27,232,457
13	155	$212,148	$48,791	$163,356	$27,069,101
13	156	$212,148	$48,499	$163,649	$26,905,452
14	157	$212,148	$48,206	$163,942	$26,741,509
14	158	$212,148	$47,912	$164,236	$26,577,273
14	159	$212,148	$47,618	$164,530	$26,412,743
14	160	$212,148	$47,323	$164,825	$26,247,918
14	161	$212,148	$47,028	$165,120	$26,082,798
14	162	$212,148	$46,732	$165,416	$25,917,381
14	163	$212,148	$46,435	$165,713	$25,751,669
14	164	$212,148	$46,138	$166,009	$25,585,659
14	165	$212,148	$45,841	$166,307	$25,419,352
14	166	$212,148	$45,543	$166,605	$25,252,748
14	167	$212,148	$45,245	$166,903	$25,085,844
14	168	$212,148	$44,945	$167,202	$24,918,642
15	169	$212,148	$44,646	$167,502	$24,751,140
15	170	$212,148	$44,346	$167,802	$24,583,338
15	171	$212,148	$44,045	$168,103	$24,415,235
15	172	$212,148	$43,744	$168,404	$24,246,831
15	173	$212,148	$43,442	$168,706	$24,078,125
15	174	$212,148	$43,140	$169,008	$23,909,117
15	175	$212,148	$42,837	$169,311	$23,739,807
15	176	$212,148	$42,534	$169,614	$23,570,193
15	177	$212,148	$42,230	$169,918	$23,400,275
15	178	$212,148	$41,925	$170,222	$23,230,052
15	179	$212,148	$41,621	$170,527	$23,059,525
15	180	$212,148	$41,315	$170,833	$22,888,692
16	181	$212,148	$41,009	$171,139	$22,717,553
16	182	$212,148	$40,702	$171,446	$22,546,107
16	183	$212,148	$40,395	$171,753	$22,374,355
16	184	$212,148	$40,087	$172,061	$22,202,294
16	185	$212,148	$39,779	$172,369	$22,029,925
16	186	$212,148	$39,470	$172,678	$21,857,248
16	187	$212,148	$39,161	$172,987	$21,684,261
16	188	$212,148	$38,851	$173,297	$21,510,964
16	189	$212,148	$38,540	$173,607	$21,337,356
16	190	$212,148	$38,229	$173,918	$21,163,438
16	191	$212,148	$37,918	$174,230	$20,989,208
16	192	$212,148	$37,606	$174,542	$20,814,666
17	193	$212,148	$37,293	$174,855	$20,639,811
17	194	$212,148	$36,980	$175,168	$20,464,642
17	195	$212,148	$36,666	$175,482	$20,289,160
17	196	$212,148	$36,351	$175,796	$20,113,364
17	197	$212,148	$36,036	$176,111	$19,937,252
17	198	$212,148	$35,721	$176,427	$19,760,825
17	199	$212,148	$35,405	$176,743	$19,584,082
17	200	$212,148	$35,088	$177,060	$19,407,023
17	201	$212,148	$34,771	$177,377	$19,229,646
17	202	$212,148	$34,453	$177,695	$19,051,951
17	203	$212,148	$34,135	$178,013	$18,873,938
17	204	$212,148	$33,816	$178,332	$18,695,606
18	205	$212,148	$33,496	$178,652	$18,516,954
18	206	$212,148	$33,176	$178,972	$18,337,982
18	207	$212,148	$32,856	$179,292	$18,158,690
18	208	$212,148	$32,534	$179,614	$17,979,076
18	209	$212,148	$32,213	$179,935	$17,799,141
18	210	$212,148	$31,890	$180,258	$17,618,883
18	211	$212,148	$31,567	$180,581	$17,438,302
18	212	$212,148	$31,244	$180,904	$17,257,398
18	213	$212,148	$30,920	$181,228	$17,076,170
18	214	$212,148	$30,595	$181,553	$16,894,617
18	215	$212,148	$30,270	$181,878	$16,712,738
18	216	$212,148	$29,944	$182,204	$16,530,534
19	217	$212,148	$29,617	$182,531	$16,348,003
19	218	$212,148	$29,290	$182,858	$16,165,146
19	219	$212,148	$28,963	$183,185	$15,981,960
19	220	$212,148	$28,634	$183,514	$15,798,447
19	221	$212,148	$28,306	$183,842	$15,614,604
19	222	$212,148	$27,976	$184,172	$15,430,433
19	223	$212,148	$27,646	$184,502	$15,245,931
19	224	$212,148	$27,316	$184,832	$15,061,099
19	225	$212,148	$26,984	$185,163	$14,875,935
19	226	$212,148	$26,653	$185,495	$14,690,440
19	227	$212,148	$26,320	$185,828	$14,504,613
19	228	$212,148	$25,987	$186,160	$14,318,452
20	229	$212,148	$25,654	$186,494	$14,131,958
20	230	$212,148	$25,320	$186,828	$13,945,130
20	231	$212,148	$24,985	$187,163	$13,757,967
20	232	$212,148	$24,650	$187,498	$13,570,469
20	233	$212,148	$24,314	$187,834	$13,382,635
20	234	$212,148	$23,977	$188,171	$13,194,464
20	235	$212,148	$23,640	$188,508	$13,005,956
20	236	$212,148	$23,302	$188,846	$12,817,111
20	237	$212,148	$22,964	$189,184	$12,627,927
20	238	$212,148	$22,625	$189,523	$12,438,404
20	239	$212,148	$22,285	$189,862	$12,248,542
20	240	$212,148	$21,945	$190,203	$12,058,339
21	241	$212,148	$21,605	$190,543	$11,867,796
21	242	$212,148	$21,263	$190,885	$11,676,911
21	243	$212,148	$20,921	$191,227	$11,485,684
21	244	$212,148	$20,579	$191,569	$11,294,115
21	245	$212,148	$20,235	$191,913	$11,102,202
21	246	$212,148	$19,891	$192,256	$10,909,946
21	247	$212,148	$19,547	$192,601	$10,717,345
21	248	$212,148	$19,202	$192,946	$10,524,399
21	249	$212,148	$18,856	$193,292	$10,331,107
21	250	$212,148	$18,510	$193,638	$10,137,469
21	251	$212,148	$18,163	$193,985	$9,943,484
21	252	$212,148	$17,815	$194,332	$9,749,152
22	253	$212,148	$17,467	$194,681	$9,554,471
22	254	$212,148	$17,118	$195,029	$9,359,442
22	255	$212,148	$16,769	$195,379	$9,164,063
22	256	$212,148	$16,419	$195,729	$8,968,334
22	257	$212,148	$16,068	$196,080	$8,772,254
22	258	$212,148	$15,717	$196,431	$8,575,823
22	259	$212,148	$15,365	$196,783	$8,379,040
22	260	$212,148	$15,012	$197,135	$8,181,905
22	261	$212,148	$14,659	$197,489	$7,984,416
22	262	$212,148	$14,305	$197,842	$7,786,574
22	263	$212,148	$13,951	$198,197	$7,588,377
22	264	$212,148	$13,596	$198,552	$7,389,825
23	265	$212,148	$13,240	$198,908	$7,190,917
23	266	$212,148	$12,884	$199,264	$6,991,653
23	267	$212,148	$12,527	$199,621	$6,792,032
23	268	$212,148	$12,169	$199,979	$6,592,053
23	269	$212,148	$11,811	$200,337	$6,391,716
23	270	$212,148	$11,452	$200,696	$6,191,020
23	271	$212,148	$11,092	$201,056	$5,989,964
23	272	$212,148	$10,732	$201,416	$5,788,548
23	273	$212,148	$10,371	$201,777	$5,586,771
23	274	$212,148	$10,010	$202,138	$5,384,633
23	275	$212,148	$9,647	$202,500	$5,182,133
23	276	$212,148	$9,285	$202,863	$4,979,269
24	277	$212,148	$8,921	$203,227	$4,776,043
24	278	$212,148	$8,557	$203,591	$4,572,452
24	279	$212,148	$8,192	$203,956	$4,368,496
24	280	$212,148	$7,827	$204,321	$4,164,175
24	281	$212,148	$7,461	$204,687	$3,959,488
24	282	$212,148	$7,094	$205,054	$3,754,434
24	283	$212,148	$6,727	$205,421	$3,549,013
24	284	$212,148	$6,359	$205,789	$3,343,224
24	285	$212,148	$5,990	$206,158	$3,137,066
24	286	$212,148	$5,621	$206,527	$2,930,539
24	287	$212,148	$5,251	$206,897	$2,723,641
24	288	$212,148	$4,880	$207,268	$2,516,373
25	289	$212,148	$4,509	$207,639	$2,308,734
25	290	$212,148	$4,136	$208,011	$2,100,722
25	291	$212,148	$3,764	$208,384	$1,892,338
25	292	$212,148	$3,390	$208,757	$1,683,581
25	293	$212,148	$3,016	$209,131	$1,474,449
25	294	$212,148	$2,642	$209,506	$1,264,943
25	295	$212,148	$2,266	$209,882	$1,055,062
25	296	$212,148	$1,890	$210,258	$844,804
25	297	$212,148	$1,514	$210,634	$634,170
25	298	$212,148	$1,136	$211,012	$423,158
25	299	$212,148	$758	$211,390	$211,768
25	300	$212,148	$379	$211,768	$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$ 32,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 33,620,000

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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.