Century 21 Centaland Property

Down Payment (HKD)

$10,060,000

Monthly Repayment (HKD)

$65,067

Loan Amount (HKD)

$15,090,000

Total Interest (HKD)

$4,430,193

Total Repayment (HKD)

$19,520,193

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$65,067	$27,036	$38,031	$15,051,969
1	2	$65,067	$26,968	$38,099	$15,013,870
1	3	$65,067	$26,900	$38,167	$14,975,702
1	4	$65,067	$26,831	$38,236	$14,937,466
1	5	$65,067	$26,763	$38,304	$14,899,162
1	6	$65,067	$26,694	$38,373	$14,860,789
1	7	$65,067	$26,626	$38,442	$14,822,347
1	8	$65,067	$26,557	$38,511	$14,783,837
1	9	$65,067	$26,488	$38,580	$14,745,257
1	10	$65,067	$26,419	$38,649	$14,706,608
1	11	$65,067	$26,349	$38,718	$14,667,890
1	12	$65,067	$26,280	$38,787	$14,629,103
2	13	$65,067	$26,210	$38,857	$14,590,246
2	14	$65,067	$26,141	$38,926	$14,551,320
2	15	$65,067	$26,071	$38,996	$14,512,324
2	16	$65,067	$26,001	$39,066	$14,473,258
2	17	$65,067	$25,931	$39,136	$14,434,122
2	18	$65,067	$25,861	$39,206	$14,394,915
2	19	$65,067	$25,791	$39,276	$14,355,639
2	20	$65,067	$25,721	$39,347	$14,316,292
2	21	$65,067	$25,650	$39,417	$14,276,875
2	22	$65,067	$25,579	$39,488	$14,237,387
2	23	$65,067	$25,509	$39,559	$14,197,828
2	24	$65,067	$25,438	$39,630	$14,158,199
3	25	$65,067	$25,367	$39,701	$14,118,498
3	26	$65,067	$25,296	$39,772	$14,078,727
3	27	$65,067	$25,224	$39,843	$14,038,884
3	28	$65,067	$25,153	$39,914	$13,998,969
3	29	$65,067	$25,081	$39,986	$13,958,983
3	30	$65,067	$25,010	$40,057	$13,918,926
3	31	$65,067	$24,938	$40,129	$13,878,797
3	32	$65,067	$24,866	$40,201	$13,838,596
3	33	$65,067	$24,794	$40,273	$13,798,322
3	34	$65,067	$24,722	$40,345	$13,757,977
3	35	$65,067	$24,650	$40,418	$13,717,560
3	36	$65,067	$24,577	$40,490	$13,677,070
4	37	$65,067	$24,505	$40,563	$13,636,507
4	38	$65,067	$24,432	$40,635	$13,595,872
4	39	$65,067	$24,359	$40,708	$13,555,164
4	40	$65,067	$24,286	$40,781	$13,514,383
4	41	$65,067	$24,213	$40,854	$13,473,529
4	42	$65,067	$24,140	$40,927	$13,432,601
4	43	$65,067	$24,067	$41,001	$13,391,601
4	44	$65,067	$23,993	$41,074	$13,350,527
4	45	$65,067	$23,920	$41,148	$13,309,379
4	46	$65,067	$23,846	$41,221	$13,268,158
4	47	$65,067	$23,772	$41,295	$13,226,863
4	48	$65,067	$23,698	$41,369	$13,185,494
5	49	$65,067	$23,624	$41,443	$13,144,050
5	50	$65,067	$23,550	$41,518	$13,102,533
5	51	$65,067	$23,475	$41,592	$13,060,941
5	52	$65,067	$23,401	$41,666	$13,019,274
5	53	$65,067	$23,326	$41,741	$12,977,533
5	54	$65,067	$23,251	$41,816	$12,935,717
5	55	$65,067	$23,176	$41,891	$12,893,826
5	56	$65,067	$23,101	$41,966	$12,851,861
5	57	$65,067	$23,026	$42,041	$12,809,819
5	58	$65,067	$22,951	$42,116	$12,767,703
5	59	$65,067	$22,875	$42,192	$12,725,511
5	60	$65,067	$22,800	$42,267	$12,683,244
6	61	$65,067	$22,724	$42,343	$12,640,901
6	62	$65,067	$22,648	$42,419	$12,598,482
6	63	$65,067	$22,572	$42,495	$12,555,987
6	64	$65,067	$22,496	$42,571	$12,513,415
6	65	$65,067	$22,420	$42,647	$12,470,768
6	66	$65,067	$22,343	$42,724	$12,428,044
6	67	$65,067	$22,267	$42,800	$12,385,244
6	68	$65,067	$22,190	$42,877	$12,342,367
6	69	$65,067	$22,113	$42,954	$12,299,413
6	70	$65,067	$22,036	$43,031	$12,256,382
6	71	$65,067	$21,959	$43,108	$12,213,274
6	72	$65,067	$21,882	$43,185	$12,170,089
7	73	$65,067	$21,805	$43,263	$12,126,826
7	74	$65,067	$21,727	$43,340	$12,083,486
7	75	$65,067	$21,650	$43,418	$12,040,068
7	76	$65,067	$21,572	$43,496	$11,996,573
7	77	$65,067	$21,494	$43,573	$11,952,999
7	78	$65,067	$21,416	$43,652	$11,909,348
7	79	$65,067	$21,338	$43,730	$11,865,618
7	80	$65,067	$21,259	$43,808	$11,821,810
7	81	$65,067	$21,181	$43,887	$11,777,923
7	82	$65,067	$21,102	$43,965	$11,733,958
7	83	$65,067	$21,023	$44,044	$11,689,914
7	84	$65,067	$20,944	$44,123	$11,645,791
8	85	$65,067	$20,865	$44,202	$11,601,589
8	86	$65,067	$20,786	$44,281	$11,557,308
8	87	$65,067	$20,707	$44,360	$11,512,948
8	88	$65,067	$20,627	$44,440	$11,468,508
8	89	$65,067	$20,548	$44,520	$11,423,988
8	90	$65,067	$20,468	$44,599	$11,379,389
8	91	$65,067	$20,388	$44,679	$11,334,710
8	92	$65,067	$20,308	$44,759	$11,289,951
8	93	$65,067	$20,228	$44,839	$11,245,111
8	94	$65,067	$20,147	$44,920	$11,200,191
8	95	$65,067	$20,067	$45,000	$11,155,191
8	96	$65,067	$19,986	$45,081	$11,110,110
9	97	$65,067	$19,906	$45,162	$11,064,948
9	98	$65,067	$19,825	$45,243	$11,019,706
9	99	$65,067	$19,744	$45,324	$10,974,382
9	100	$65,067	$19,662	$45,405	$10,928,977
9	101	$65,067	$19,581	$45,486	$10,883,491
9	102	$65,067	$19,500	$45,568	$10,837,923
9	103	$65,067	$19,418	$45,649	$10,792,274
9	104	$65,067	$19,336	$45,731	$10,746,543
9	105	$65,067	$19,254	$45,813	$10,700,730
9	106	$65,067	$19,172	$45,895	$10,654,834
9	107	$65,067	$19,090	$45,977	$10,608,857
9	108	$65,067	$19,008	$46,060	$10,562,797
10	109	$65,067	$18,925	$46,142	$10,516,655
10	110	$65,067	$18,842	$46,225	$10,470,430
10	111	$65,067	$18,760	$46,308	$10,424,122
10	112	$65,067	$18,677	$46,391	$10,377,731
10	113	$65,067	$18,593	$46,474	$10,331,258
10	114	$65,067	$18,510	$46,557	$10,284,700
10	115	$65,067	$18,427	$46,641	$10,238,060
10	116	$65,067	$18,343	$46,724	$10,191,336
10	117	$65,067	$18,259	$46,808	$10,144,528
10	118	$65,067	$18,176	$46,892	$10,097,636
10	119	$65,067	$18,092	$46,976	$10,050,660
10	120	$65,067	$18,007	$47,060	$10,003,601
11	121	$65,067	$17,923	$47,144	$9,956,456
11	122	$65,067	$17,839	$47,229	$9,909,228
11	123	$65,067	$17,754	$47,313	$9,861,914
11	124	$65,067	$17,669	$47,398	$9,814,516
11	125	$65,067	$17,584	$47,483	$9,767,033
11	126	$65,067	$17,499	$47,568	$9,719,465
11	127	$65,067	$17,414	$47,653	$9,671,812
11	128	$65,067	$17,329	$47,739	$9,624,073
11	129	$65,067	$17,243	$47,824	$9,576,249
11	130	$65,067	$17,157	$47,910	$9,528,339
11	131	$65,067	$17,072	$47,996	$9,480,344
11	132	$65,067	$16,986	$48,082	$9,432,262
12	133	$65,067	$16,899	$48,168	$9,384,094
12	134	$65,067	$16,813	$48,254	$9,335,840
12	135	$65,067	$16,727	$48,341	$9,287,499
12	136	$65,067	$16,640	$48,427	$9,239,072
12	137	$65,067	$16,553	$48,514	$9,190,558
12	138	$65,067	$16,466	$48,601	$9,141,957
12	139	$65,067	$16,379	$48,688	$9,093,269
12	140	$65,067	$16,292	$48,775	$9,044,494
12	141	$65,067	$16,205	$48,863	$8,995,632
12	142	$65,067	$16,117	$48,950	$8,946,681
12	143	$65,067	$16,029	$49,038	$8,897,644
12	144	$65,067	$15,942	$49,126	$8,848,518
13	145	$65,067	$15,854	$49,214	$8,799,304
13	146	$65,067	$15,765	$49,302	$8,750,002
13	147	$65,067	$15,677	$49,390	$8,700,612
13	148	$65,067	$15,589	$49,479	$8,651,133
13	149	$65,067	$15,500	$49,567	$8,601,566
13	150	$65,067	$15,411	$49,656	$8,551,910
13	151	$65,067	$15,322	$49,745	$8,502,165
13	152	$65,067	$15,233	$49,834	$8,452,330
13	153	$65,067	$15,144	$49,924	$8,402,407
13	154	$65,067	$15,054	$50,013	$8,352,394
13	155	$65,067	$14,965	$50,103	$8,302,291
13	156	$65,067	$14,875	$50,192	$8,252,099
14	157	$65,067	$14,785	$50,282	$8,201,817
14	158	$65,067	$14,695	$50,372	$8,151,444
14	159	$65,067	$14,605	$50,463	$8,100,982
14	160	$65,067	$14,514	$50,553	$8,050,429
14	161	$65,067	$14,424	$50,644	$7,999,785
14	162	$65,067	$14,333	$50,734	$7,949,051
14	163	$65,067	$14,242	$50,825	$7,898,225
14	164	$65,067	$14,151	$50,916	$7,847,309
14	165	$65,067	$14,060	$51,008	$7,796,301
14	166	$65,067	$13,968	$51,099	$7,745,202
14	167	$65,067	$13,877	$51,190	$7,694,012
14	168	$65,067	$13,785	$51,282	$7,642,730
15	169	$65,067	$13,693	$51,374	$7,591,356
15	170	$65,067	$13,601	$51,466	$7,539,890
15	171	$65,067	$13,509	$51,558	$7,488,331
15	172	$65,067	$13,417	$51,651	$7,436,680
15	173	$65,067	$13,324	$51,743	$7,384,937
15	174	$65,067	$13,231	$51,836	$7,333,101
15	175	$65,067	$13,138	$51,929	$7,281,172
15	176	$65,067	$13,045	$52,022	$7,229,151
15	177	$65,067	$12,952	$52,115	$7,177,035
15	178	$65,067	$12,859	$52,208	$7,124,827
15	179	$65,067	$12,765	$52,302	$7,072,525
15	180	$65,067	$12,672	$52,396	$7,020,129
16	181	$65,067	$12,578	$52,490	$6,967,640
16	182	$65,067	$12,484	$52,584	$6,915,056
16	183	$65,067	$12,389	$52,678	$6,862,378
16	184	$65,067	$12,295	$52,772	$6,809,606
16	185	$65,067	$12,201	$52,867	$6,756,739
16	186	$65,067	$12,106	$52,961	$6,703,778
16	187	$65,067	$12,011	$53,056	$6,650,721
16	188	$65,067	$11,916	$53,151	$6,597,570
16	189	$65,067	$11,821	$53,247	$6,544,323
16	190	$65,067	$11,725	$53,342	$6,490,981
16	191	$65,067	$11,630	$53,438	$6,437,544
16	192	$65,067	$11,534	$53,533	$6,384,010
17	193	$65,067	$11,438	$53,629	$6,330,381
17	194	$65,067	$11,342	$53,725	$6,276,656
17	195	$65,067	$11,246	$53,822	$6,222,834
17	196	$65,067	$11,149	$53,918	$6,168,916
17	197	$65,067	$11,053	$54,015	$6,114,901
17	198	$65,067	$10,956	$54,111	$6,060,790
17	199	$65,067	$10,859	$54,208	$6,006,581
17	200	$65,067	$10,762	$54,306	$5,952,276
17	201	$65,067	$10,664	$54,403	$5,897,873
17	202	$65,067	$10,567	$54,500	$5,843,373
17	203	$65,067	$10,469	$54,598	$5,788,775
17	204	$65,067	$10,372	$54,696	$5,734,079
18	205	$65,067	$10,274	$54,794	$5,679,285
18	206	$65,067	$10,175	$54,892	$5,624,393
18	207	$65,067	$10,077	$54,990	$5,569,403
18	208	$65,067	$9,979	$55,089	$5,514,314
18	209	$65,067	$9,880	$55,187	$5,459,127
18	210	$65,067	$9,781	$55,286	$5,403,840
18	211	$65,067	$9,682	$55,385	$5,348,455
18	212	$65,067	$9,583	$55,485	$5,292,970
18	213	$65,067	$9,483	$55,584	$5,237,386
18	214	$65,067	$9,384	$55,684	$5,181,703
18	215	$65,067	$9,284	$55,783	$5,125,919
18	216	$65,067	$9,184	$55,883	$5,070,036
19	217	$65,067	$9,084	$55,983	$5,014,052
19	218	$65,067	$8,984	$56,084	$4,957,968
19	219	$65,067	$8,883	$56,184	$4,901,784
19	220	$65,067	$8,782	$56,285	$4,845,499
19	221	$65,067	$8,682	$56,386	$4,789,113
19	222	$65,067	$8,580	$56,487	$4,732,627
19	223	$65,067	$8,479	$56,588	$4,676,039
19	224	$65,067	$8,378	$56,689	$4,619,349
19	225	$65,067	$8,276	$56,791	$4,562,558
19	226	$65,067	$8,175	$56,893	$4,505,665
19	227	$65,067	$8,073	$56,995	$4,448,671
19	228	$65,067	$7,971	$57,097	$4,391,574
20	229	$65,067	$7,868	$57,199	$4,334,375
20	230	$65,067	$7,766	$57,302	$4,277,073
20	231	$65,067	$7,663	$57,404	$4,219,669
20	232	$65,067	$7,560	$57,507	$4,162,162
20	233	$65,067	$7,457	$57,610	$4,104,552
20	234	$65,067	$7,354	$57,713	$4,046,839
20	235	$65,067	$7,251	$57,817	$3,989,022
20	236	$65,067	$7,147	$57,920	$3,931,102
20	237	$65,067	$7,043	$58,024	$3,873,078
20	238	$65,067	$6,939	$58,128	$3,814,950
20	239	$65,067	$6,835	$58,232	$3,756,717
20	240	$65,067	$6,731	$58,337	$3,698,381
21	241	$65,067	$6,626	$58,441	$3,639,940
21	242	$65,067	$6,522	$58,546	$3,581,394
21	243	$65,067	$6,417	$58,651	$3,522,743
21	244	$65,067	$6,312	$58,756	$3,463,988
21	245	$65,067	$6,206	$58,861	$3,405,127
21	246	$65,067	$6,101	$58,966	$3,346,160
21	247	$65,067	$5,995	$59,072	$3,287,088
21	248	$65,067	$5,889	$59,178	$3,227,910
21	249	$65,067	$5,783	$59,284	$3,168,626
21	250	$65,067	$5,677	$59,390	$3,109,236
21	251	$65,067	$5,571	$59,497	$3,049,739
21	252	$65,067	$5,464	$59,603	$2,990,136
22	253	$65,067	$5,357	$59,710	$2,930,426
22	254	$65,067	$5,250	$59,817	$2,870,609
22	255	$65,067	$5,143	$59,924	$2,810,685
22	256	$65,067	$5,036	$60,032	$2,750,654
22	257	$65,067	$4,928	$60,139	$2,690,515
22	258	$65,067	$4,821	$60,247	$2,630,268
22	259	$65,067	$4,713	$60,355	$2,569,913
22	260	$65,067	$4,604	$60,463	$2,509,450
22	261	$65,067	$4,496	$60,571	$2,448,879
22	262	$65,067	$4,388	$60,680	$2,388,199
22	263	$65,067	$4,279	$60,788	$2,327,411
22	264	$65,067	$4,170	$60,897	$2,266,513
23	265	$65,067	$4,061	$61,006	$2,205,507
23	266	$65,067	$3,952	$61,116	$2,144,391
23	267	$65,067	$3,842	$61,225	$2,083,166
23	268	$65,067	$3,732	$61,335	$2,021,831
23	269	$65,067	$3,622	$61,445	$1,960,386
23	270	$65,067	$3,512	$61,555	$1,898,831
23	271	$65,067	$3,402	$61,665	$1,837,166
23	272	$65,067	$3,292	$61,776	$1,775,390
23	273	$65,067	$3,181	$61,886	$1,713,504
23	274	$65,067	$3,070	$61,997	$1,651,506
23	275	$65,067	$2,959	$62,108	$1,589,398
23	276	$65,067	$2,848	$62,220	$1,527,178
24	277	$65,067	$2,736	$62,331	$1,464,847
24	278	$65,067	$2,625	$62,443	$1,402,404
24	279	$65,067	$2,513	$62,555	$1,339,850
24	280	$65,067	$2,401	$62,667	$1,277,183
24	281	$65,067	$2,288	$62,779	$1,214,404
24	282	$65,067	$2,176	$62,892	$1,151,512
24	283	$65,067	$2,063	$63,004	$1,088,508
24	284	$65,067	$1,950	$63,117	$1,025,391
24	285	$65,067	$1,837	$63,230	$962,161
24	286	$65,067	$1,724	$63,343	$898,818
24	287	$65,067	$1,610	$63,457	$835,361
24	288	$65,067	$1,497	$63,571	$771,790
25	289	$65,067	$1,383	$63,685	$708,106
25	290	$65,067	$1,269	$63,799	$644,307
25	291	$65,067	$1,154	$63,913	$580,394
25	292	$65,067	$1,040	$64,027	$516,367
25	293	$65,067	$925	$64,142	$452,224
25	294	$65,067	$810	$64,257	$387,967
25	295	$65,067	$695	$64,372	$323,595
25	296	$65,067	$580	$64,488	$259,108
25	297	$65,067	$464	$64,603	$194,505
25	298	$65,067	$348	$64,719	$129,786
25	299	$65,067	$233	$64,835	$64,951
25	300	$65,067	$116	$64,951	$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$ 10,060,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,311,500

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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.