Century 21 Centaland Property

Down Payment (HKD)

$44,000,000

Monthly Repayment (HKD)

$284,589

Loan Amount (HKD)

$66,000,000

Total Interest (HKD)

$19,376,591

Total Repayment (HKD)

$85,376,591

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$284,589	$118,250	$166,339	$65,833,661
1	2	$284,589	$117,952	$166,637	$65,667,025
1	3	$284,589	$117,653	$166,935	$65,500,089
1	4	$284,589	$117,354	$167,234	$65,332,855
1	5	$284,589	$117,055	$167,534	$65,165,321
1	6	$284,589	$116,755	$167,834	$64,997,487
1	7	$284,589	$116,454	$168,135	$64,829,352
1	8	$284,589	$116,153	$168,436	$64,660,916
1	9	$284,589	$115,851	$168,738	$64,492,178
1	10	$284,589	$115,548	$169,040	$64,323,138
1	11	$284,589	$115,246	$169,343	$64,153,795
1	12	$284,589	$114,942	$169,646	$63,984,149
2	13	$284,589	$114,638	$169,950	$63,814,198
2	14	$284,589	$114,334	$170,255	$63,643,944
2	15	$284,589	$114,029	$170,560	$63,473,384
2	16	$284,589	$113,723	$170,865	$63,302,518
2	17	$284,589	$113,417	$171,172	$63,131,347
2	18	$284,589	$113,110	$171,478	$62,959,868
2	19	$284,589	$112,803	$171,786	$62,788,083
2	20	$284,589	$112,495	$172,093	$62,615,989
2	21	$284,589	$112,187	$172,402	$62,443,588
2	22	$284,589	$111,878	$172,711	$62,270,877
2	23	$284,589	$111,569	$173,020	$62,097,857
2	24	$284,589	$111,259	$173,330	$61,924,527
3	25	$284,589	$110,948	$173,641	$61,750,887
3	26	$284,589	$110,637	$173,952	$61,576,935
3	27	$284,589	$110,325	$174,263	$61,402,672
3	28	$284,589	$110,013	$174,576	$61,228,096
3	29	$284,589	$109,700	$174,888	$61,053,208
3	30	$284,589	$109,387	$175,202	$60,878,006
3	31	$284,589	$109,073	$175,516	$60,702,491
3	32	$284,589	$108,759	$175,830	$60,526,661
3	33	$284,589	$108,444	$176,145	$60,350,516
3	34	$284,589	$108,128	$176,461	$60,174,055
3	35	$284,589	$107,812	$176,777	$59,997,278
3	36	$284,589	$107,495	$177,094	$59,820,185
4	37	$284,589	$107,178	$177,411	$59,642,774
4	38	$284,589	$106,860	$177,729	$59,465,045
4	39	$284,589	$106,542	$178,047	$59,286,998
4	40	$284,589	$106,223	$178,366	$59,108,632
4	41	$284,589	$105,903	$178,686	$58,929,946
4	42	$284,589	$105,583	$179,006	$58,750,941
4	43	$284,589	$105,262	$179,327	$58,571,614
4	44	$284,589	$104,941	$179,648	$58,391,966
4	45	$284,589	$104,619	$179,970	$58,211,997
4	46	$284,589	$104,296	$180,292	$58,031,704
4	47	$284,589	$103,973	$180,615	$57,851,089
4	48	$284,589	$103,650	$180,939	$57,670,151
5	49	$284,589	$103,326	$181,263	$57,488,888
5	50	$284,589	$103,001	$181,588	$57,307,300
5	51	$284,589	$102,676	$181,913	$57,125,387
5	52	$284,589	$102,350	$182,239	$56,943,148
5	53	$284,589	$102,023	$182,565	$56,760,582
5	54	$284,589	$101,696	$182,893	$56,577,690
5	55	$284,589	$101,368	$183,220	$56,394,469
5	56	$284,589	$101,040	$183,549	$56,210,921
5	57	$284,589	$100,711	$183,877	$56,027,043
5	58	$284,589	$100,382	$184,207	$55,842,837
5	59	$284,589	$100,052	$184,537	$55,658,300
5	60	$284,589	$99,721	$184,868	$55,473,432
6	61	$284,589	$99,390	$185,199	$55,288,233
6	62	$284,589	$99,058	$185,531	$55,102,703
6	63	$284,589	$98,726	$185,863	$54,916,840
6	64	$284,589	$98,393	$186,196	$54,730,644
6	65	$284,589	$98,059	$186,530	$54,544,114
6	66	$284,589	$97,725	$186,864	$54,357,251
6	67	$284,589	$97,390	$187,199	$54,170,052
6	68	$284,589	$97,055	$187,534	$53,982,518
6	69	$284,589	$96,719	$187,870	$53,794,648
6	70	$284,589	$96,382	$188,207	$53,606,442
6	71	$284,589	$96,045	$188,544	$53,417,898
6	72	$284,589	$95,707	$188,882	$53,229,016
7	73	$284,589	$95,369	$189,220	$53,039,796
7	74	$284,589	$95,030	$189,559	$52,850,237
7	75	$284,589	$94,690	$189,899	$52,660,339
7	76	$284,589	$94,350	$190,239	$52,470,100
7	77	$284,589	$94,009	$190,580	$52,279,520
7	78	$284,589	$93,667	$190,921	$52,088,599
7	79	$284,589	$93,325	$191,263	$51,897,336
7	80	$284,589	$92,983	$191,606	$51,705,730
7	81	$284,589	$92,639	$191,949	$51,513,781
7	82	$284,589	$92,296	$192,293	$51,321,487
7	83	$284,589	$91,951	$192,638	$51,128,850
7	84	$284,589	$91,606	$192,983	$50,935,867
8	85	$284,589	$91,260	$193,329	$50,742,539
8	86	$284,589	$90,914	$193,675	$50,548,864
8	87	$284,589	$90,567	$194,022	$50,354,842
8	88	$284,589	$90,219	$194,370	$50,160,472
8	89	$284,589	$89,871	$194,718	$49,965,754
8	90	$284,589	$89,522	$195,067	$49,770,688
8	91	$284,589	$89,172	$195,416	$49,575,272
8	92	$284,589	$88,822	$195,766	$49,379,505
8	93	$284,589	$88,472	$196,117	$49,183,388
8	94	$284,589	$88,120	$196,468	$48,986,920
8	95	$284,589	$87,768	$196,820	$48,790,099
8	96	$284,589	$87,416	$197,173	$48,592,926
9	97	$284,589	$87,062	$197,526	$48,395,400
9	98	$284,589	$86,708	$197,880	$48,197,520
9	99	$284,589	$86,354	$198,235	$47,999,285
9	100	$284,589	$85,999	$198,590	$47,800,695
9	101	$284,589	$85,643	$198,946	$47,601,749
9	102	$284,589	$85,286	$199,302	$47,402,447
9	103	$284,589	$84,929	$199,659	$47,202,788
9	104	$284,589	$84,572	$200,017	$47,002,771
9	105	$284,589	$84,213	$200,375	$46,802,396
9	106	$284,589	$83,854	$200,734	$46,601,661
9	107	$284,589	$83,495	$201,094	$46,400,567
9	108	$284,589	$83,134	$201,454	$46,199,113
10	109	$284,589	$82,773	$201,815	$45,997,298
10	110	$284,589	$82,412	$202,177	$45,795,121
10	111	$284,589	$82,050	$202,539	$45,592,582
10	112	$284,589	$81,687	$202,902	$45,389,680
10	113	$284,589	$81,323	$203,265	$45,186,415
10	114	$284,589	$80,959	$203,630	$44,982,785
10	115	$284,589	$80,594	$203,994	$44,778,790
10	116	$284,589	$80,229	$204,360	$44,574,431
10	117	$284,589	$79,863	$204,726	$44,369,704
10	118	$284,589	$79,496	$205,093	$44,164,611
10	119	$284,589	$79,128	$205,460	$43,959,151
10	120	$284,589	$78,760	$205,828	$43,753,323
11	121	$284,589	$78,391	$206,197	$43,547,125
11	122	$284,589	$78,022	$206,567	$43,340,559
11	123	$284,589	$77,652	$206,937	$43,133,622
11	124	$284,589	$77,281	$207,308	$42,926,314
11	125	$284,589	$76,910	$207,679	$42,718,635
11	126	$284,589	$76,538	$208,051	$42,510,584
11	127	$284,589	$76,165	$208,424	$42,302,160
11	128	$284,589	$75,791	$208,797	$42,093,363
11	129	$284,589	$75,417	$209,171	$41,884,192
11	130	$284,589	$75,043	$209,546	$41,674,646
11	131	$284,589	$74,667	$209,922	$41,464,724
11	132	$284,589	$74,291	$210,298	$41,254,426
12	133	$284,589	$73,914	$210,674	$41,043,752
12	134	$284,589	$73,537	$211,052	$40,832,700
12	135	$284,589	$73,159	$211,430	$40,621,270
12	136	$284,589	$72,780	$211,809	$40,409,461
12	137	$284,589	$72,400	$212,188	$40,197,273
12	138	$284,589	$72,020	$212,569	$39,984,704
12	139	$284,589	$71,639	$212,949	$39,771,755
12	140	$284,589	$71,258	$213,331	$39,558,424
12	141	$284,589	$70,876	$213,713	$39,344,711
12	142	$284,589	$70,493	$214,096	$39,130,615
12	143	$284,589	$70,109	$214,480	$38,916,135
12	144	$284,589	$69,725	$214,864	$38,701,271
13	145	$284,589	$69,340	$215,249	$38,486,022
13	146	$284,589	$68,954	$215,635	$38,270,388
13	147	$284,589	$68,568	$216,021	$38,054,367
13	148	$284,589	$68,181	$216,408	$37,837,959
13	149	$284,589	$67,793	$216,796	$37,621,163
13	150	$284,589	$67,405	$217,184	$37,403,979
13	151	$284,589	$67,015	$217,573	$37,186,406
13	152	$284,589	$66,626	$217,963	$36,968,443
13	153	$284,589	$66,235	$218,354	$36,750,090
13	154	$284,589	$65,844	$218,745	$36,531,345
13	155	$284,589	$65,452	$219,137	$36,312,208
13	156	$284,589	$65,059	$219,529	$36,092,679
14	157	$284,589	$64,666	$219,923	$35,872,757
14	158	$284,589	$64,272	$220,317	$35,652,440
14	159	$284,589	$63,877	$220,711	$35,431,729
14	160	$284,589	$63,482	$221,107	$35,210,622
14	161	$284,589	$63,086	$221,503	$34,989,119
14	162	$284,589	$62,689	$221,900	$34,767,219
14	163	$284,589	$62,291	$222,297	$34,544,922
14	164	$284,589	$61,893	$222,696	$34,322,226
14	165	$284,589	$61,494	$223,095	$34,099,131
14	166	$284,589	$61,094	$223,494	$33,875,637
14	167	$284,589	$60,694	$223,895	$33,651,742
14	168	$284,589	$60,293	$224,296	$33,427,446
15	169	$284,589	$59,891	$224,698	$33,202,748
15	170	$284,589	$59,488	$225,100	$32,977,648
15	171	$284,589	$59,085	$225,504	$32,752,144
15	172	$284,589	$58,681	$225,908	$32,526,237
15	173	$284,589	$58,276	$226,312	$32,299,924
15	174	$284,589	$57,871	$226,718	$32,073,206
15	175	$284,589	$57,464	$227,124	$31,846,082
15	176	$284,589	$57,058	$227,531	$31,618,551
15	177	$284,589	$56,650	$227,939	$31,390,612
15	178	$284,589	$56,242	$228,347	$31,162,265
15	179	$284,589	$55,832	$228,756	$30,933,509
15	180	$284,589	$55,423	$229,166	$30,704,343
16	181	$284,589	$55,012	$229,577	$30,474,766
16	182	$284,589	$54,601	$229,988	$30,244,778
16	183	$284,589	$54,189	$230,400	$30,014,378
16	184	$284,589	$53,776	$230,813	$29,783,565
16	185	$284,589	$53,362	$231,226	$29,552,339
16	186	$284,589	$52,948	$231,641	$29,320,698
16	187	$284,589	$52,533	$232,056	$29,088,642
16	188	$284,589	$52,117	$232,471	$28,856,171
16	189	$284,589	$51,701	$232,888	$28,623,283
16	190	$284,589	$51,283	$233,305	$28,389,978
16	191	$284,589	$50,865	$233,723	$28,156,254
16	192	$284,589	$50,447	$234,142	$27,922,112
17	193	$284,589	$50,027	$234,562	$27,687,551
17	194	$284,589	$49,607	$234,982	$27,452,569
17	195	$284,589	$49,186	$235,403	$27,217,166
17	196	$284,589	$48,764	$235,825	$26,981,342
17	197	$284,589	$48,342	$236,247	$26,745,095
17	198	$284,589	$47,918	$236,670	$26,508,424
17	199	$284,589	$47,494	$237,094	$26,271,330
17	200	$284,589	$47,069	$237,519	$26,033,811
17	201	$284,589	$46,644	$237,945	$25,795,866
17	202	$284,589	$46,218	$238,371	$25,557,495
17	203	$284,589	$45,791	$238,798	$25,318,697
17	204	$284,589	$45,363	$239,226	$25,079,471
18	205	$284,589	$44,934	$239,655	$24,839,816
18	206	$284,589	$44,505	$240,084	$24,599,732
18	207	$284,589	$44,075	$240,514	$24,359,218
18	208	$284,589	$43,644	$240,945	$24,118,273
18	209	$284,589	$43,212	$241,377	$23,876,896
18	210	$284,589	$42,779	$241,809	$23,635,087
18	211	$284,589	$42,346	$242,242	$23,392,845
18	212	$284,589	$41,912	$242,676	$23,150,168
18	213	$284,589	$41,477	$243,111	$22,907,057
18	214	$284,589	$41,042	$243,547	$22,663,510
18	215	$284,589	$40,605	$243,983	$22,419,527
18	216	$284,589	$40,168	$244,420	$22,175,107
19	217	$284,589	$39,730	$244,858	$21,930,249
19	218	$284,589	$39,292	$245,297	$21,684,952
19	219	$284,589	$38,852	$245,736	$21,439,215
19	220	$284,589	$38,412	$246,177	$21,193,038
19	221	$284,589	$37,971	$246,618	$20,946,421
19	222	$284,589	$37,529	$247,060	$20,699,361
19	223	$284,589	$37,086	$247,502	$20,451,859
19	224	$284,589	$36,643	$247,946	$20,203,913
19	225	$284,589	$36,199	$248,390	$19,955,523
19	226	$284,589	$35,754	$248,835	$19,706,688
19	227	$284,589	$35,308	$249,281	$19,457,407
19	228	$284,589	$34,861	$249,727	$19,207,680
20	229	$284,589	$34,414	$250,175	$18,957,505
20	230	$284,589	$33,966	$250,623	$18,706,882
20	231	$284,589	$33,516	$251,072	$18,455,810
20	232	$284,589	$33,067	$251,522	$18,204,288
20	233	$284,589	$32,616	$251,973	$17,952,315
20	234	$284,589	$32,165	$252,424	$17,699,891
20	235	$284,589	$31,712	$252,876	$17,447,015
20	236	$284,589	$31,259	$253,329	$17,193,685
20	237	$284,589	$30,805	$253,783	$16,939,902
20	238	$284,589	$30,351	$254,238	$16,685,664
20	239	$284,589	$29,895	$254,693	$16,430,970
20	240	$284,589	$29,439	$255,150	$16,175,821
21	241	$284,589	$28,982	$255,607	$15,920,214
21	242	$284,589	$28,524	$256,065	$15,664,149
21	243	$284,589	$28,065	$256,524	$15,407,625
21	244	$284,589	$27,605	$256,983	$15,150,642
21	245	$284,589	$27,145	$257,444	$14,893,198
21	246	$284,589	$26,684	$257,905	$14,635,293
21	247	$284,589	$26,222	$258,367	$14,376,926
21	248	$284,589	$25,759	$258,830	$14,118,096
21	249	$284,589	$25,295	$259,294	$13,858,802
21	250	$284,589	$24,830	$259,758	$13,599,044
21	251	$284,589	$24,365	$260,224	$13,338,820
21	252	$284,589	$23,899	$260,690	$13,078,130
22	253	$284,589	$23,432	$261,157	$12,816,973
22	254	$284,589	$22,964	$261,625	$12,555,349
22	255	$284,589	$22,495	$262,094	$12,293,255
22	256	$284,589	$22,025	$262,563	$12,030,692
22	257	$284,589	$21,555	$263,034	$11,767,658
22	258	$284,589	$21,084	$263,505	$11,504,153
22	259	$284,589	$20,612	$263,977	$11,240,176
22	260	$284,589	$20,139	$264,450	$10,975,726
22	261	$284,589	$19,665	$264,924	$10,710,802
22	262	$284,589	$19,190	$265,398	$10,445,404
22	263	$284,589	$18,715	$265,874	$10,179,530
22	264	$284,589	$18,238	$266,350	$9,913,180
23	265	$284,589	$17,761	$266,828	$9,646,352
23	266	$284,589	$17,283	$267,306	$9,379,046
23	267	$284,589	$16,804	$267,785	$9,111,262
23	268	$284,589	$16,324	$268,264	$8,842,998
23	269	$284,589	$15,844	$268,745	$8,574,253
23	270	$284,589	$15,362	$269,226	$8,305,026
23	271	$284,589	$14,880	$269,709	$8,035,317
23	272	$284,589	$14,397	$270,192	$7,765,125
23	273	$284,589	$13,913	$270,676	$7,494,449
23	274	$284,589	$13,428	$271,161	$7,223,288
23	275	$284,589	$12,942	$271,647	$6,951,641
23	276	$284,589	$12,455	$272,134	$6,679,508
24	277	$284,589	$11,967	$272,621	$6,406,887
24	278	$284,589	$11,479	$273,110	$6,133,777
24	279	$284,589	$10,990	$273,599	$5,860,178
24	280	$284,589	$10,499	$274,089	$5,586,089
24	281	$284,589	$10,008	$274,580	$5,311,509
24	282	$284,589	$9,516	$275,072	$5,036,436
24	283	$284,589	$9,024	$275,565	$4,760,871
24	284	$284,589	$8,530	$276,059	$4,484,813
24	285	$284,589	$8,035	$276,553	$4,208,259
24	286	$284,589	$7,540	$277,049	$3,931,210
24	287	$284,589	$7,043	$277,545	$3,653,665
24	288	$284,589	$6,546	$278,042	$3,375,623
25	289	$284,589	$6,048	$278,541	$3,097,082
25	290	$284,589	$5,549	$279,040	$2,818,042
25	291	$284,589	$5,049	$279,540	$2,538,503
25	292	$284,589	$4,548	$280,040	$2,258,462
25	293	$284,589	$4,046	$280,542	$1,977,920
25	294	$284,589	$3,544	$281,045	$1,696,875
25	295	$284,589	$3,040	$281,548	$1,415,327
25	296	$284,589	$2,536	$282,053	$1,133,274
25	297	$284,589	$2,030	$282,558	$850,716
25	298	$284,589	$1,524	$283,064	$567,651
25	299	$284,589	$1,017	$283,572	$284,080
25	300	$284,589	$509	$284,080	$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$ 44,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 45,100,000

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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.