Century 21 Centaland Property

Down Payment (HKD)

$10,120,000

Monthly Repayment (HKD)

$65,455

Loan Amount (HKD)

$15,180,000

Total Interest (HKD)

$4,456,616

Total Repayment (HKD)

$19,636,616

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$65,455	$27,198	$38,258	$15,141,742
1	2	$65,455	$27,129	$38,326	$15,103,416
1	3	$65,455	$27,060	$38,395	$15,065,021
1	4	$65,455	$26,991	$38,464	$15,026,557
1	5	$65,455	$26,923	$38,533	$14,988,024
1	6	$65,455	$26,854	$38,602	$14,949,422
1	7	$65,455	$26,784	$38,671	$14,910,751
1	8	$65,455	$26,715	$38,740	$14,872,011
1	9	$65,455	$26,646	$38,810	$14,833,201
1	10	$65,455	$26,576	$38,879	$14,794,322
1	11	$65,455	$26,506	$38,949	$14,755,373
1	12	$65,455	$26,437	$39,019	$14,716,354
2	13	$65,455	$26,367	$39,089	$14,677,266
2	14	$65,455	$26,297	$39,159	$14,638,107
2	15	$65,455	$26,227	$39,229	$14,598,878
2	16	$65,455	$26,156	$39,299	$14,559,579
2	17	$65,455	$26,086	$39,369	$14,520,210
2	18	$65,455	$26,015	$39,440	$14,480,770
2	19	$65,455	$25,945	$39,511	$14,441,259
2	20	$65,455	$25,874	$39,581	$14,401,678
2	21	$65,455	$25,803	$39,652	$14,362,025
2	22	$65,455	$25,732	$39,723	$14,322,302
2	23	$65,455	$25,661	$39,795	$14,282,507
2	24	$65,455	$25,589	$39,866	$14,242,641
3	25	$65,455	$25,518	$39,937	$14,202,704
3	26	$65,455	$25,447	$40,009	$14,162,695
3	27	$65,455	$25,375	$40,081	$14,122,615
3	28	$65,455	$25,303	$40,152	$14,082,462
3	29	$65,455	$25,231	$40,224	$14,042,238
3	30	$65,455	$25,159	$40,296	$14,001,941
3	31	$65,455	$25,087	$40,369	$13,961,573
3	32	$65,455	$25,014	$40,441	$13,921,132
3	33	$65,455	$24,942	$40,513	$13,880,619
3	34	$65,455	$24,869	$40,586	$13,840,033
3	35	$65,455	$24,797	$40,659	$13,799,374
3	36	$65,455	$24,724	$40,732	$13,758,643
4	37	$65,455	$24,651	$40,804	$13,717,838
4	38	$65,455	$24,578	$40,878	$13,676,960
4	39	$65,455	$24,505	$40,951	$13,636,010
4	40	$65,455	$24,431	$41,024	$13,594,985
4	41	$65,455	$24,358	$41,098	$13,553,888
4	42	$65,455	$24,284	$41,171	$13,512,716
4	43	$65,455	$24,210	$41,245	$13,471,471
4	44	$65,455	$24,136	$41,319	$13,430,152
4	45	$65,455	$24,062	$41,393	$13,388,759
4	46	$65,455	$23,988	$41,467	$13,347,292
4	47	$65,455	$23,914	$41,541	$13,305,751
4	48	$65,455	$23,839	$41,616	$13,264,135
5	49	$65,455	$23,765	$41,690	$13,222,444
5	50	$65,455	$23,690	$41,765	$13,180,679
5	51	$65,455	$23,615	$41,840	$13,138,839
5	52	$65,455	$23,540	$41,915	$13,096,924
5	53	$65,455	$23,465	$41,990	$13,054,934
5	54	$65,455	$23,390	$42,065	$13,012,869
5	55	$65,455	$23,315	$42,141	$12,970,728
5	56	$65,455	$23,239	$42,216	$12,928,512
5	57	$65,455	$23,164	$42,292	$12,886,220
5	58	$65,455	$23,088	$42,368	$12,843,852
5	59	$65,455	$23,012	$42,443	$12,801,409
5	60	$65,455	$22,936	$42,520	$12,758,889
6	61	$65,455	$22,860	$42,596	$12,716,294
6	62	$65,455	$22,783	$42,672	$12,673,622
6	63	$65,455	$22,707	$42,748	$12,630,873
6	64	$65,455	$22,630	$42,825	$12,588,048
6	65	$65,455	$22,554	$42,902	$12,545,146
6	66	$65,455	$22,477	$42,979	$12,502,168
6	67	$65,455	$22,400	$43,056	$12,459,112
6	68	$65,455	$22,323	$43,133	$12,415,979
6	69	$65,455	$22,245	$43,210	$12,372,769
6	70	$65,455	$22,168	$43,288	$12,329,482
6	71	$65,455	$22,090	$43,365	$12,286,117
6	72	$65,455	$22,013	$43,443	$12,242,674
7	73	$65,455	$21,935	$43,521	$12,199,153
7	74	$65,455	$21,857	$43,599	$12,155,555
7	75	$65,455	$21,779	$43,677	$12,111,878
7	76	$65,455	$21,700	$43,755	$12,068,123
7	77	$65,455	$21,622	$43,833	$12,024,290
7	78	$65,455	$21,544	$43,912	$11,980,378
7	79	$65,455	$21,465	$43,991	$11,936,387
7	80	$65,455	$21,386	$44,069	$11,892,318
7	81	$65,455	$21,307	$44,148	$11,848,170
7	82	$65,455	$21,228	$44,227	$11,803,942
7	83	$65,455	$21,149	$44,307	$11,759,635
7	84	$65,455	$21,069	$44,386	$11,715,249
8	85	$65,455	$20,990	$44,466	$11,670,784
8	86	$65,455	$20,910	$44,545	$11,626,239
8	87	$65,455	$20,830	$44,625	$11,581,614
8	88	$65,455	$20,750	$44,705	$11,536,909
8	89	$65,455	$20,670	$44,785	$11,492,123
8	90	$65,455	$20,590	$44,865	$11,447,258
8	91	$65,455	$20,510	$44,946	$11,402,312
8	92	$65,455	$20,429	$45,026	$11,357,286
8	93	$65,455	$20,348	$45,107	$11,312,179
8	94	$65,455	$20,268	$45,188	$11,266,992
8	95	$65,455	$20,187	$45,269	$11,221,723
8	96	$65,455	$20,106	$45,350	$11,176,373
9	97	$65,455	$20,024	$45,431	$11,130,942
9	98	$65,455	$19,943	$45,512	$11,085,430
9	99	$65,455	$19,861	$45,594	$11,039,836
9	100	$65,455	$19,780	$45,676	$10,994,160
9	101	$65,455	$19,698	$45,758	$10,948,402
9	102	$65,455	$19,616	$45,839	$10,902,563
9	103	$65,455	$19,534	$45,922	$10,856,641
9	104	$65,455	$19,451	$46,004	$10,810,637
9	105	$65,455	$19,369	$46,086	$10,764,551
9	106	$65,455	$19,286	$46,169	$10,718,382
9	107	$65,455	$19,204	$46,252	$10,672,130
9	108	$65,455	$19,121	$46,334	$10,625,796
10	109	$65,455	$19,038	$46,418	$10,579,379
10	110	$65,455	$18,955	$46,501	$10,532,878
10	111	$65,455	$18,871	$46,584	$10,486,294
10	112	$65,455	$18,788	$46,667	$10,439,626
10	113	$65,455	$18,704	$46,751	$10,392,875
10	114	$65,455	$18,621	$46,835	$10,346,041
10	115	$65,455	$18,537	$46,919	$10,299,122
10	116	$65,455	$18,453	$47,003	$10,252,119
10	117	$65,455	$18,368	$47,087	$10,205,032
10	118	$65,455	$18,284	$47,171	$10,157,861
10	119	$65,455	$18,200	$47,256	$10,110,605
10	120	$65,455	$18,115	$47,341	$10,063,264
11	121	$65,455	$18,030	$47,425	$10,015,839
11	122	$65,455	$17,945	$47,510	$9,968,328
11	123	$65,455	$17,860	$47,595	$9,920,733
11	124	$65,455	$17,775	$47,681	$9,873,052
11	125	$65,455	$17,689	$47,766	$9,825,286
11	126	$65,455	$17,604	$47,852	$9,777,434
11	127	$65,455	$17,518	$47,937	$9,729,497
11	128	$65,455	$17,432	$48,023	$9,681,474
11	129	$65,455	$17,346	$48,109	$9,633,364
11	130	$65,455	$17,260	$48,196	$9,585,168
11	131	$65,455	$17,173	$48,282	$9,536,887
11	132	$65,455	$17,087	$48,368	$9,488,518
12	133	$65,455	$17,000	$48,455	$9,440,063
12	134	$65,455	$16,913	$48,542	$9,391,521
12	135	$65,455	$16,826	$48,629	$9,342,892
12	136	$65,455	$16,739	$48,716	$9,294,176
12	137	$65,455	$16,652	$48,803	$9,245,373
12	138	$65,455	$16,565	$48,891	$9,196,482
12	139	$65,455	$16,477	$48,978	$9,147,504
12	140	$65,455	$16,389	$49,066	$9,098,437
12	141	$65,455	$16,301	$49,154	$9,049,283
12	142	$65,455	$16,213	$49,242	$9,000,041
12	143	$65,455	$16,125	$49,330	$8,950,711
12	144	$65,455	$16,037	$49,419	$8,901,292
13	145	$65,455	$15,948	$49,507	$8,851,785
13	146	$65,455	$15,859	$49,596	$8,802,189
13	147	$65,455	$15,771	$49,685	$8,752,504
13	148	$65,455	$15,682	$49,774	$8,702,731
13	149	$65,455	$15,592	$49,863	$8,652,868
13	150	$65,455	$15,503	$49,952	$8,602,915
13	151	$65,455	$15,414	$50,042	$8,552,873
13	152	$65,455	$15,324	$50,131	$8,502,742
13	153	$65,455	$15,234	$50,221	$8,452,521
13	154	$65,455	$15,144	$50,311	$8,402,209
13	155	$65,455	$15,054	$50,401	$8,351,808
13	156	$65,455	$14,964	$50,492	$8,301,316
14	157	$65,455	$14,873	$50,582	$8,250,734
14	158	$65,455	$14,783	$50,673	$8,200,061
14	159	$65,455	$14,692	$50,764	$8,149,298
14	160	$65,455	$14,601	$50,855	$8,098,443
14	161	$65,455	$14,510	$50,946	$8,047,497
14	162	$65,455	$14,418	$51,037	$7,996,460
14	163	$65,455	$14,327	$51,128	$7,945,332
14	164	$65,455	$14,235	$51,220	$7,894,112
14	165	$65,455	$14,144	$51,312	$7,842,800
14	166	$65,455	$14,052	$51,404	$7,791,397
14	167	$65,455	$13,960	$51,496	$7,739,901
14	168	$65,455	$13,867	$51,588	$7,688,313
15	169	$65,455	$13,775	$51,680	$7,636,632
15	170	$65,455	$13,682	$51,773	$7,584,859
15	171	$65,455	$13,590	$51,866	$7,532,993
15	172	$65,455	$13,497	$51,959	$7,481,034
15	173	$65,455	$13,404	$52,052	$7,428,983
15	174	$65,455	$13,310	$52,145	$7,376,837
15	175	$65,455	$13,217	$52,239	$7,324,599
15	176	$65,455	$13,123	$52,332	$7,272,267
15	177	$65,455	$13,029	$52,426	$7,219,841
15	178	$65,455	$12,936	$52,520	$7,167,321
15	179	$65,455	$12,841	$52,614	$7,114,707
15	180	$65,455	$12,747	$52,708	$7,061,999
16	181	$65,455	$12,653	$52,803	$7,009,196
16	182	$65,455	$12,558	$52,897	$6,956,299
16	183	$65,455	$12,463	$52,992	$6,903,307
16	184	$65,455	$12,368	$53,087	$6,850,220
16	185	$65,455	$12,273	$53,182	$6,797,038
16	186	$65,455	$12,178	$53,277	$6,743,761
16	187	$65,455	$12,083	$53,373	$6,690,388
16	188	$65,455	$11,987	$53,468	$6,636,919
16	189	$65,455	$11,891	$53,564	$6,583,355
16	190	$65,455	$11,795	$53,660	$6,529,695
16	191	$65,455	$11,699	$53,756	$6,475,939
16	192	$65,455	$11,603	$53,853	$6,422,086
17	193	$65,455	$11,506	$53,949	$6,368,137
17	194	$65,455	$11,410	$54,046	$6,314,091
17	195	$65,455	$11,313	$54,143	$6,259,948
17	196	$65,455	$11,216	$54,240	$6,205,709
17	197	$65,455	$11,119	$54,337	$6,151,372
17	198	$65,455	$11,021	$54,434	$6,096,938
17	199	$65,455	$10,924	$54,532	$6,042,406
17	200	$65,455	$10,826	$54,629	$5,987,776
17	201	$65,455	$10,728	$54,727	$5,933,049
17	202	$65,455	$10,630	$54,825	$5,878,224
17	203	$65,455	$10,532	$54,924	$5,823,300
17	204	$65,455	$10,433	$55,022	$5,768,278
18	205	$65,455	$10,335	$55,121	$5,713,158
18	206	$65,455	$10,236	$55,219	$5,657,938
18	207	$65,455	$10,137	$55,318	$5,602,620
18	208	$65,455	$10,038	$55,417	$5,547,203
18	209	$65,455	$9,939	$55,517	$5,491,686
18	210	$65,455	$9,839	$55,616	$5,436,070
18	211	$65,455	$9,740	$55,716	$5,380,354
18	212	$65,455	$9,640	$55,816	$5,324,539
18	213	$65,455	$9,540	$55,916	$5,268,623
18	214	$65,455	$9,440	$56,016	$5,212,607
18	215	$65,455	$9,339	$56,116	$5,156,491
18	216	$65,455	$9,239	$56,217	$5,100,275
19	217	$65,455	$9,138	$56,317	$5,043,957
19	218	$65,455	$9,037	$56,418	$4,987,539
19	219	$65,455	$8,936	$56,519	$4,931,019
19	220	$65,455	$8,835	$56,621	$4,874,399
19	221	$65,455	$8,733	$56,722	$4,817,677
19	222	$65,455	$8,632	$56,824	$4,760,853
19	223	$65,455	$8,530	$56,926	$4,703,928
19	224	$65,455	$8,428	$57,028	$4,646,900
19	225	$65,455	$8,326	$57,130	$4,589,770
19	226	$65,455	$8,223	$57,232	$4,532,538
19	227	$65,455	$8,121	$57,335	$4,475,204
19	228	$65,455	$8,018	$57,437	$4,417,766
20	229	$65,455	$7,915	$57,540	$4,360,226
20	230	$65,455	$7,812	$57,643	$4,302,583
20	231	$65,455	$7,709	$57,747	$4,244,836
20	232	$65,455	$7,605	$57,850	$4,186,986
20	233	$65,455	$7,502	$57,954	$4,129,032
20	234	$65,455	$7,398	$58,058	$4,070,975
20	235	$65,455	$7,294	$58,162	$4,012,813
20	236	$65,455	$7,190	$58,266	$3,954,548
20	237	$65,455	$7,085	$58,370	$3,896,177
20	238	$65,455	$6,981	$58,475	$3,837,703
20	239	$65,455	$6,876	$58,580	$3,779,123
20	240	$65,455	$6,771	$58,684	$3,720,439
21	241	$65,455	$6,666	$58,790	$3,661,649
21	242	$65,455	$6,560	$58,895	$3,602,754
21	243	$65,455	$6,455	$59,000	$3,543,754
21	244	$65,455	$6,349	$59,106	$3,484,648
21	245	$65,455	$6,243	$59,212	$3,425,436
21	246	$65,455	$6,137	$59,318	$3,366,117
21	247	$65,455	$6,031	$59,424	$3,306,693
21	248	$65,455	$5,924	$59,531	$3,247,162
21	249	$65,455	$5,818	$59,638	$3,187,525
21	250	$65,455	$5,711	$59,744	$3,127,780
21	251	$65,455	$5,604	$59,851	$3,067,929
21	252	$65,455	$5,497	$59,959	$3,007,970
22	253	$65,455	$5,389	$60,066	$2,947,904
22	254	$65,455	$5,282	$60,174	$2,887,730
22	255	$65,455	$5,174	$60,282	$2,827,449
22	256	$65,455	$5,066	$60,390	$2,767,059
22	257	$65,455	$4,958	$60,498	$2,706,561
22	258	$65,455	$4,849	$60,606	$2,645,955
22	259	$65,455	$4,741	$60,715	$2,585,240
22	260	$65,455	$4,632	$60,823	$2,524,417
22	261	$65,455	$4,523	$60,932	$2,463,485
22	262	$65,455	$4,414	$61,042	$2,402,443
22	263	$65,455	$4,304	$61,151	$2,341,292
22	264	$65,455	$4,195	$61,261	$2,280,031
23	265	$65,455	$4,085	$61,370	$2,218,661
23	266	$65,455	$3,975	$61,480	$2,157,181
23	267	$65,455	$3,865	$61,590	$2,095,590
23	268	$65,455	$3,755	$61,701	$2,033,889
23	269	$65,455	$3,644	$61,811	$1,972,078
23	270	$65,455	$3,533	$61,922	$1,910,156
23	271	$65,455	$3,422	$62,033	$1,848,123
23	272	$65,455	$3,311	$62,144	$1,785,979
23	273	$65,455	$3,200	$62,256	$1,723,723
23	274	$65,455	$3,088	$62,367	$1,661,356
23	275	$65,455	$2,977	$62,479	$1,598,878
23	276	$65,455	$2,865	$62,591	$1,536,287
24	277	$65,455	$2,753	$62,703	$1,473,584
24	278	$65,455	$2,640	$62,815	$1,410,769
24	279	$65,455	$2,528	$62,928	$1,347,841
24	280	$65,455	$2,415	$63,041	$1,284,800
24	281	$65,455	$2,302	$63,153	$1,221,647
24	282	$65,455	$2,189	$63,267	$1,158,380
24	283	$65,455	$2,075	$63,380	$1,095,000
24	284	$65,455	$1,962	$63,494	$1,031,507
24	285	$65,455	$1,848	$63,607	$967,900
24	286	$65,455	$1,734	$63,721	$904,178
24	287	$65,455	$1,620	$63,835	$840,343
24	288	$65,455	$1,506	$63,950	$776,393
25	289	$65,455	$1,391	$64,064	$712,329
25	290	$65,455	$1,276	$64,179	$648,150
25	291	$65,455	$1,161	$64,294	$583,856
25	292	$65,455	$1,046	$64,409	$519,446
25	293	$65,455	$931	$64,525	$454,922
25	294	$65,455	$815	$64,640	$390,281
25	295	$65,455	$699	$64,756	$325,525
25	296	$65,455	$583	$64,872	$260,653
25	297	$65,455	$467	$64,988	$195,665
25	298	$65,455	$351	$65,105	$130,560
25	299	$65,455	$234	$65,221	$65,338
25	300	$65,455	$117	$65,338	$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$ 10,120,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,373,000

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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.