Century 21 Centaland Property

Down Payment (HKD)

$15,440,000

Monthly Repayment (HKD)

$99,865

Loan Amount (HKD)

$23,160,000

Total Interest (HKD)

$6,799,422

Total Repayment (HKD)

$29,959,422

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$99,865	$41,495	$58,370	$23,101,630
1	2	$99,865	$41,390	$58,474	$23,043,156
1	3	$99,865	$41,286	$58,579	$22,984,577
1	4	$99,865	$41,181	$58,684	$22,925,893
1	5	$99,865	$41,076	$58,789	$22,867,104
1	6	$99,865	$40,970	$58,895	$22,808,209
1	7	$99,865	$40,865	$59,000	$22,749,209
1	8	$99,865	$40,759	$59,106	$22,690,103
1	9	$99,865	$40,653	$59,212	$22,630,892
1	10	$99,865	$40,547	$59,318	$22,571,574
1	11	$99,865	$40,441	$59,424	$22,512,150
1	12	$99,865	$40,334	$59,530	$22,452,620
2	13	$99,865	$40,228	$59,637	$22,392,982
2	14	$99,865	$40,121	$59,744	$22,333,238
2	15	$99,865	$40,014	$59,851	$22,273,387
2	16	$99,865	$39,906	$59,958	$22,213,429
2	17	$99,865	$39,799	$60,066	$22,153,363
2	18	$99,865	$39,691	$60,173	$22,093,190
2	19	$99,865	$39,584	$60,281	$22,032,909
2	20	$99,865	$39,476	$60,389	$21,972,520
2	21	$99,865	$39,367	$60,497	$21,912,023
2	22	$99,865	$39,259	$60,606	$21,851,417
2	23	$99,865	$39,150	$60,714	$21,790,703
2	24	$99,865	$39,042	$60,823	$21,729,880
3	25	$99,865	$38,933	$60,932	$21,668,948
3	26	$99,865	$38,824	$61,041	$21,607,906
3	27	$99,865	$38,714	$61,151	$21,546,756
3	28	$99,865	$38,605	$61,260	$21,485,496
3	29	$99,865	$38,495	$61,370	$21,424,126
3	30	$99,865	$38,385	$61,480	$21,362,646
3	31	$99,865	$38,275	$61,590	$21,301,056
3	32	$99,865	$38,164	$61,700	$21,239,356
3	33	$99,865	$38,054	$61,811	$21,177,545
3	34	$99,865	$37,943	$61,922	$21,115,623
3	35	$99,865	$37,832	$62,033	$21,053,590
3	36	$99,865	$37,721	$62,144	$20,991,447
4	37	$99,865	$37,610	$62,255	$20,929,192
4	38	$99,865	$37,498	$62,367	$20,866,825
4	39	$99,865	$37,386	$62,478	$20,804,347
4	40	$99,865	$37,274	$62,590	$20,741,756
4	41	$99,865	$37,162	$62,702	$20,679,054
4	42	$99,865	$37,050	$62,815	$20,616,239
4	43	$99,865	$36,937	$62,927	$20,553,312
4	44	$99,865	$36,825	$63,040	$20,490,272
4	45	$99,865	$36,712	$63,153	$20,427,119
4	46	$99,865	$36,599	$63,266	$20,363,853
4	47	$99,865	$36,485	$63,380	$20,300,473
4	48	$99,865	$36,372	$63,493	$20,236,980
5	49	$99,865	$36,258	$63,607	$20,173,373
5	50	$99,865	$36,144	$63,721	$20,109,652
5	51	$99,865	$36,030	$63,835	$20,045,818
5	52	$99,865	$35,915	$63,949	$19,981,868
5	53	$99,865	$35,801	$64,064	$19,917,804
5	54	$99,865	$35,686	$64,179	$19,853,626
5	55	$99,865	$35,571	$64,294	$19,789,332
5	56	$99,865	$35,456	$64,409	$19,724,923
5	57	$99,865	$35,340	$64,524	$19,660,399
5	58	$99,865	$35,225	$64,640	$19,595,759
5	59	$99,865	$35,109	$64,756	$19,531,003
5	60	$99,865	$34,993	$64,872	$19,466,132
6	61	$99,865	$34,877	$64,988	$19,401,144
6	62	$99,865	$34,760	$65,104	$19,336,039
6	63	$99,865	$34,644	$65,221	$19,270,818
6	64	$99,865	$34,527	$65,338	$19,205,481
6	65	$99,865	$34,410	$65,455	$19,140,026
6	66	$99,865	$34,293	$65,572	$19,074,453
6	67	$99,865	$34,175	$65,690	$19,008,764
6	68	$99,865	$34,057	$65,807	$18,942,956
6	69	$99,865	$33,939	$65,925	$18,877,031
6	70	$99,865	$33,821	$66,043	$18,810,988
6	71	$99,865	$33,703	$66,162	$18,744,826
6	72	$99,865	$33,584	$66,280	$18,678,546
7	73	$99,865	$33,466	$66,399	$18,612,147
7	74	$99,865	$33,347	$66,518	$18,545,629
7	75	$99,865	$33,228	$66,637	$18,478,992
7	76	$99,865	$33,108	$66,757	$18,412,235
7	77	$99,865	$32,989	$66,876	$18,345,359
7	78	$99,865	$32,869	$66,996	$18,278,363
7	79	$99,865	$32,749	$67,116	$18,211,247
7	80	$99,865	$32,628	$67,236	$18,144,011
7	81	$99,865	$32,508	$67,357	$18,076,654
7	82	$99,865	$32,387	$67,477	$18,009,177
7	83	$99,865	$32,266	$67,598	$17,941,578
7	84	$99,865	$32,145	$67,719	$17,873,859
8	85	$99,865	$32,024	$67,841	$17,806,018
8	86	$99,865	$31,902	$67,962	$17,738,056
8	87	$99,865	$31,781	$68,084	$17,669,972
8	88	$99,865	$31,659	$68,206	$17,601,766
8	89	$99,865	$31,536	$68,328	$17,533,437
8	90	$99,865	$31,414	$68,451	$17,464,987
8	91	$99,865	$31,291	$68,573	$17,396,413
8	92	$99,865	$31,169	$68,696	$17,327,717
8	93	$99,865	$31,045	$68,819	$17,258,898
8	94	$99,865	$30,922	$68,943	$17,189,955
8	95	$99,865	$30,799	$69,066	$17,120,889
8	96	$99,865	$30,675	$69,190	$17,051,700
9	97	$99,865	$30,551	$69,314	$16,982,386
9	98	$99,865	$30,427	$69,438	$16,912,948
9	99	$99,865	$30,302	$69,562	$16,843,385
9	100	$99,865	$30,178	$69,687	$16,773,698
9	101	$99,865	$30,053	$69,812	$16,703,887
9	102	$99,865	$29,928	$69,937	$16,633,950
9	103	$99,865	$29,802	$70,062	$16,563,887
9	104	$99,865	$29,677	$70,188	$16,493,700
9	105	$99,865	$29,551	$70,314	$16,423,386
9	106	$99,865	$29,425	$70,440	$16,352,947
9	107	$99,865	$29,299	$70,566	$16,282,381
9	108	$99,865	$29,173	$70,692	$16,211,689
10	109	$99,865	$29,046	$70,819	$16,140,870
10	110	$99,865	$28,919	$70,946	$16,069,924
10	111	$99,865	$28,792	$71,073	$15,998,851
10	112	$99,865	$28,665	$71,200	$15,927,651
10	113	$99,865	$28,537	$71,328	$15,856,324
10	114	$99,865	$28,409	$71,455	$15,784,868
10	115	$99,865	$28,281	$71,584	$15,713,285
10	116	$99,865	$28,153	$71,712	$15,641,573
10	117	$99,865	$28,024	$71,840	$15,569,733
10	118	$99,865	$27,896	$71,969	$15,497,764
10	119	$99,865	$27,767	$72,098	$15,425,666
10	120	$99,865	$27,638	$72,227	$15,353,439
11	121	$99,865	$27,508	$72,356	$15,281,082
11	122	$99,865	$27,379	$72,486	$15,208,596
11	123	$99,865	$27,249	$72,616	$15,135,980
11	124	$99,865	$27,119	$72,746	$15,063,234
11	125	$99,865	$26,988	$72,876	$14,990,357
11	126	$99,865	$26,858	$73,007	$14,917,350
11	127	$99,865	$26,727	$73,138	$14,844,213
11	128	$99,865	$26,596	$73,269	$14,770,944
11	129	$99,865	$26,465	$73,400	$14,697,544
11	130	$99,865	$26,333	$73,532	$14,624,012
11	131	$99,865	$26,201	$73,663	$14,550,349
11	132	$99,865	$26,069	$73,795	$14,476,553
12	133	$99,865	$25,937	$73,928	$14,402,626
12	134	$99,865	$25,805	$74,060	$14,328,566
12	135	$99,865	$25,672	$74,193	$14,254,373
12	136	$99,865	$25,539	$74,326	$14,180,047
12	137	$99,865	$25,406	$74,459	$14,105,588
12	138	$99,865	$25,273	$74,592	$14,030,996
12	139	$99,865	$25,139	$74,726	$13,956,270
12	140	$99,865	$25,005	$74,860	$13,881,411
12	141	$99,865	$24,871	$74,994	$13,806,417
12	142	$99,865	$24,736	$75,128	$13,731,288
12	143	$99,865	$24,602	$75,263	$13,656,026
12	144	$99,865	$24,467	$75,398	$13,580,628
13	145	$99,865	$24,332	$75,533	$13,505,095
13	146	$99,865	$24,197	$75,668	$13,429,427
13	147	$99,865	$24,061	$75,804	$13,353,623
13	148	$99,865	$23,925	$75,939	$13,277,684
13	149	$99,865	$23,789	$76,076	$13,201,608
13	150	$99,865	$23,653	$76,212	$13,125,396
13	151	$99,865	$23,516	$76,348	$13,049,048
13	152	$99,865	$23,380	$76,485	$12,972,563
13	153	$99,865	$23,243	$76,622	$12,895,941
13	154	$99,865	$23,105	$76,760	$12,819,181
13	155	$99,865	$22,968	$76,897	$12,742,284
13	156	$99,865	$22,830	$77,035	$12,665,249
14	157	$99,865	$22,692	$77,173	$12,588,076
14	158	$99,865	$22,554	$77,311	$12,510,765
14	159	$99,865	$22,415	$77,450	$12,433,316
14	160	$99,865	$22,276	$77,588	$12,355,727
14	161	$99,865	$22,137	$77,727	$12,278,000
14	162	$99,865	$21,998	$77,867	$12,200,133
14	163	$99,865	$21,859	$78,006	$12,122,127
14	164	$99,865	$21,719	$78,146	$12,043,981
14	165	$99,865	$21,579	$78,286	$11,965,695
14	166	$99,865	$21,439	$78,426	$11,887,269
14	167	$99,865	$21,298	$78,567	$11,808,702
14	168	$99,865	$21,157	$78,707	$11,729,995
15	169	$99,865	$21,016	$78,848	$11,651,146
15	170	$99,865	$20,875	$78,990	$11,572,157
15	171	$99,865	$20,733	$79,131	$11,493,025
15	172	$99,865	$20,592	$79,273	$11,413,752
15	173	$99,865	$20,450	$79,415	$11,334,337
15	174	$99,865	$20,307	$79,557	$11,254,780
15	175	$99,865	$20,165	$79,700	$11,175,080
15	176	$99,865	$20,022	$79,843	$11,095,237
15	177	$99,865	$19,879	$79,986	$11,015,251
15	178	$99,865	$19,736	$80,129	$10,935,122
15	179	$99,865	$19,592	$80,273	$10,854,850
15	180	$99,865	$19,448	$80,416	$10,774,433
16	181	$99,865	$19,304	$80,561	$10,693,872
16	182	$99,865	$19,160	$80,705	$10,613,168
16	183	$99,865	$19,015	$80,849	$10,532,318
16	184	$99,865	$18,870	$80,994	$10,451,324
16	185	$99,865	$18,725	$81,139	$10,370,184
16	186	$99,865	$18,580	$81,285	$10,288,900
16	187	$99,865	$18,434	$81,430	$10,207,469
16	188	$99,865	$18,288	$81,576	$10,125,893
16	189	$99,865	$18,142	$81,723	$10,044,170
16	190	$99,865	$17,996	$81,869	$9,962,301
16	191	$99,865	$17,849	$82,016	$9,880,286
16	192	$99,865	$17,702	$82,163	$9,798,123
17	193	$99,865	$17,555	$82,310	$9,715,813
17	194	$99,865	$17,407	$82,457	$9,633,356
17	195	$99,865	$17,260	$82,605	$9,550,751
17	196	$99,865	$17,112	$82,753	$9,467,998
17	197	$99,865	$16,963	$82,901	$9,385,097
17	198	$99,865	$16,815	$83,050	$9,302,047
17	199	$99,865	$16,666	$83,199	$9,218,848
17	200	$99,865	$16,517	$83,348	$9,135,501
17	201	$99,865	$16,368	$83,497	$9,052,004
17	202	$99,865	$16,218	$83,647	$8,968,357
17	203	$99,865	$16,068	$83,796	$8,884,561
17	204	$99,865	$15,918	$83,947	$8,800,614
18	205	$99,865	$15,768	$84,097	$8,716,517
18	206	$99,865	$15,617	$84,248	$8,632,270
18	207	$99,865	$15,466	$84,399	$8,547,871
18	208	$99,865	$15,315	$84,550	$8,463,321
18	209	$99,865	$15,163	$84,701	$8,378,620
18	210	$99,865	$15,012	$84,853	$8,293,767
18	211	$99,865	$14,860	$85,005	$8,208,762
18	212	$99,865	$14,707	$85,157	$8,123,605
18	213	$99,865	$14,555	$85,310	$8,038,295
18	214	$99,865	$14,402	$85,463	$7,952,832
18	215	$99,865	$14,249	$85,616	$7,867,216
18	216	$99,865	$14,095	$85,769	$7,781,447
19	217	$99,865	$13,942	$85,923	$7,695,524
19	218	$99,865	$13,788	$86,077	$7,609,447
19	219	$99,865	$13,634	$86,231	$7,523,215
19	220	$99,865	$13,479	$86,386	$7,436,830
19	221	$99,865	$13,324	$86,540	$7,350,289
19	222	$99,865	$13,169	$86,695	$7,263,594
19	223	$99,865	$13,014	$86,851	$7,176,743
19	224	$99,865	$12,858	$87,006	$7,089,737
19	225	$99,865	$12,702	$87,162	$7,002,574
19	226	$99,865	$12,546	$87,318	$6,915,256
19	227	$99,865	$12,390	$87,475	$6,827,781
19	228	$99,865	$12,233	$87,632	$6,740,149
20	229	$99,865	$12,076	$87,789	$6,652,361
20	230	$99,865	$11,919	$87,946	$6,564,415
20	231	$99,865	$11,761	$88,103	$6,476,311
20	232	$99,865	$11,603	$88,261	$6,388,050
20	233	$99,865	$11,445	$88,419	$6,299,631
20	234	$99,865	$11,287	$88,578	$6,211,053
20	235	$99,865	$11,128	$88,737	$6,122,316
20	236	$99,865	$10,969	$88,896	$6,033,420
20	237	$99,865	$10,810	$89,055	$5,944,366
20	238	$99,865	$10,650	$89,214	$5,855,151
20	239	$99,865	$10,490	$89,374	$5,765,777
20	240	$99,865	$10,330	$89,534	$5,676,243
21	241	$99,865	$10,170	$89,695	$5,586,548
21	242	$99,865	$10,009	$89,856	$5,496,692
21	243	$99,865	$9,848	$90,017	$5,406,676
21	244	$99,865	$9,687	$90,178	$5,316,498
21	245	$99,865	$9,525	$90,339	$5,226,159
21	246	$99,865	$9,364	$90,501	$5,135,657
21	247	$99,865	$9,201	$90,663	$5,044,994
21	248	$99,865	$9,039	$90,826	$4,954,168
21	249	$99,865	$8,876	$90,989	$4,863,180
21	250	$99,865	$8,713	$91,152	$4,772,028
21	251	$99,865	$8,550	$91,315	$4,680,713
21	252	$99,865	$8,386	$91,478	$4,589,235
22	253	$99,865	$8,222	$91,642	$4,497,592
22	254	$99,865	$8,058	$91,807	$4,405,786
22	255	$99,865	$7,894	$91,971	$4,313,815
22	256	$99,865	$7,729	$92,136	$4,221,679
22	257	$99,865	$7,564	$92,301	$4,129,378
22	258	$99,865	$7,398	$92,466	$4,036,912
22	259	$99,865	$7,233	$92,632	$3,944,280
22	260	$99,865	$7,067	$92,798	$3,851,482
22	261	$99,865	$6,901	$92,964	$3,758,518
22	262	$99,865	$6,734	$93,131	$3,665,387
22	263	$99,865	$6,567	$93,298	$3,572,090
22	264	$99,865	$6,400	$93,465	$3,478,625
23	265	$99,865	$6,233	$93,632	$3,384,993
23	266	$99,865	$6,065	$93,800	$3,291,193
23	267	$99,865	$5,897	$93,968	$3,197,225
23	268	$99,865	$5,728	$94,136	$3,103,088
23	269	$99,865	$5,560	$94,305	$3,008,783
23	270	$99,865	$5,391	$94,474	$2,914,309
23	271	$99,865	$5,221	$94,643	$2,819,666
23	272	$99,865	$5,052	$94,813	$2,724,853
23	273	$99,865	$4,882	$94,983	$2,629,870
23	274	$99,865	$4,712	$95,153	$2,534,718
23	275	$99,865	$4,541	$95,323	$2,439,394
23	276	$99,865	$4,371	$95,494	$2,343,900
24	277	$99,865	$4,199	$95,665	$2,248,235
24	278	$99,865	$4,028	$95,837	$2,152,398
24	279	$99,865	$3,856	$96,008	$2,056,390
24	280	$99,865	$3,684	$96,180	$1,960,209
24	281	$99,865	$3,512	$96,353	$1,863,857
24	282	$99,865	$3,339	$96,525	$1,767,331
24	283	$99,865	$3,166	$96,698	$1,670,633
24	284	$99,865	$2,993	$96,872	$1,573,762
24	285	$99,865	$2,820	$97,045	$1,476,716
24	286	$99,865	$2,646	$97,219	$1,379,497
24	287	$99,865	$2,472	$97,393	$1,282,104
24	288	$99,865	$2,297	$97,568	$1,184,537
25	289	$99,865	$2,122	$97,742	$1,086,794
25	290	$99,865	$1,947	$97,918	$988,877
25	291	$99,865	$1,772	$98,093	$890,784
25	292	$99,865	$1,596	$98,269	$792,515
25	293	$99,865	$1,420	$98,445	$694,070
25	294	$99,865	$1,244	$98,621	$595,449
25	295	$99,865	$1,067	$98,798	$496,651
25	296	$99,865	$890	$98,975	$397,676
25	297	$99,865	$713	$99,152	$298,524
25	298	$99,865	$535	$99,330	$199,194
25	299	$99,865	$357	$99,508	$99,686
25	300	$99,865	$179	$99,686	$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$ 15,440,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,826,000

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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.