Century 21 Centaland Property

Down Payment (HKD)

$36,000,000

Monthly Repayment (HKD)

$232,845

Loan Amount (HKD)

$54,000,000

Total Interest (HKD)

$15,853,575

Total Repayment (HKD)

$69,853,575

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$232,845	$96,750	$136,095	$53,863,905
1	2	$232,845	$96,506	$136,339	$53,727,566
1	3	$232,845	$96,262	$136,583	$53,590,982
1	4	$232,845	$96,017	$136,828	$53,454,154
1	5	$232,845	$95,772	$137,073	$53,317,081
1	6	$232,845	$95,526	$137,319	$53,179,762
1	7	$232,845	$95,280	$137,565	$53,042,197
1	8	$232,845	$95,034	$137,811	$52,904,386
1	9	$232,845	$94,787	$138,058	$52,766,328
1	10	$232,845	$94,540	$138,306	$52,628,022
1	11	$232,845	$94,292	$138,553	$52,489,469
1	12	$232,845	$94,044	$138,802	$52,350,667
2	13	$232,845	$93,795	$139,050	$52,211,617
2	14	$232,845	$93,546	$139,299	$52,072,318
2	15	$232,845	$93,296	$139,549	$51,932,768
2	16	$232,845	$93,046	$139,799	$51,792,969
2	17	$232,845	$92,796	$140,050	$51,652,920
2	18	$232,845	$92,545	$140,300	$51,512,620
2	19	$232,845	$92,293	$140,552	$51,372,068
2	20	$232,845	$92,042	$140,804	$51,231,264
2	21	$232,845	$91,789	$141,056	$51,090,208
2	22	$232,845	$91,537	$141,309	$50,948,900
2	23	$232,845	$91,283	$141,562	$50,807,338
2	24	$232,845	$91,030	$141,815	$50,665,522
3	25	$232,845	$90,776	$142,070	$50,523,453
3	26	$232,845	$90,521	$142,324	$50,381,129
3	27	$232,845	$90,266	$142,579	$50,238,550
3	28	$232,845	$90,011	$142,835	$50,095,715
3	29	$232,845	$89,755	$143,090	$49,952,625
3	30	$232,845	$89,498	$143,347	$49,809,278
3	31	$232,845	$89,242	$143,604	$49,665,674
3	32	$232,845	$88,984	$143,861	$49,521,813
3	33	$232,845	$88,727	$144,119	$49,377,695
3	34	$232,845	$88,468	$144,377	$49,233,318
3	35	$232,845	$88,210	$144,636	$49,088,682
3	36	$232,845	$87,951	$144,895	$48,943,788
4	37	$232,845	$87,691	$145,154	$48,798,633
4	38	$232,845	$87,431	$145,414	$48,653,219
4	39	$232,845	$87,170	$145,675	$48,507,544
4	40	$232,845	$86,909	$145,936	$48,361,608
4	41	$232,845	$86,648	$146,197	$48,215,411
4	42	$232,845	$86,386	$146,459	$48,068,951
4	43	$232,845	$86,124	$146,722	$47,922,230
4	44	$232,845	$85,861	$146,985	$47,775,245
4	45	$232,845	$85,597	$147,248	$47,627,997
4	46	$232,845	$85,333	$147,512	$47,480,485
4	47	$232,845	$85,069	$147,776	$47,332,709
4	48	$232,845	$84,804	$148,041	$47,184,669
5	49	$232,845	$84,539	$148,306	$47,036,363
5	50	$232,845	$84,273	$148,572	$46,887,791
5	51	$232,845	$84,007	$148,838	$46,738,953
5	52	$232,845	$83,741	$149,105	$46,589,848
5	53	$232,845	$83,473	$149,372	$46,440,476
5	54	$232,845	$83,206	$149,639	$46,290,837
5	55	$232,845	$82,938	$149,907	$46,140,930
5	56	$232,845	$82,669	$150,176	$45,990,753
5	57	$232,845	$82,400	$150,445	$45,840,308
5	58	$232,845	$82,131	$150,715	$45,689,594
5	59	$232,845	$81,861	$150,985	$45,538,609
5	60	$232,845	$81,590	$151,255	$45,387,354
6	61	$232,845	$81,319	$151,526	$45,235,827
6	62	$232,845	$81,048	$151,798	$45,084,030
6	63	$232,845	$80,776	$152,070	$44,931,960
6	64	$232,845	$80,503	$152,342	$44,779,618
6	65	$232,845	$80,230	$152,615	$44,627,003
6	66	$232,845	$79,957	$152,889	$44,474,114
6	67	$232,845	$79,683	$153,162	$44,320,952
6	68	$232,845	$79,408	$153,437	$44,167,515
6	69	$232,845	$79,133	$153,712	$44,013,803
6	70	$232,845	$78,858	$153,987	$43,859,816
6	71	$232,845	$78,582	$154,263	$43,705,553
6	72	$232,845	$78,306	$154,539	$43,551,013
7	73	$232,845	$78,029	$154,816	$43,396,197
7	74	$232,845	$77,752	$155,094	$43,241,103
7	75	$232,845	$77,474	$155,372	$43,085,732
7	76	$232,845	$77,195	$155,650	$42,930,082
7	77	$232,845	$76,916	$155,929	$42,774,153
7	78	$232,845	$76,637	$156,208	$42,617,945
7	79	$232,845	$76,357	$156,488	$42,461,456
7	80	$232,845	$76,077	$156,768	$42,304,688
7	81	$232,845	$75,796	$157,049	$42,147,639
7	82	$232,845	$75,515	$157,331	$41,990,308
7	83	$232,845	$75,233	$157,613	$41,832,695
7	84	$232,845	$74,950	$157,895	$41,674,800
8	85	$232,845	$74,667	$158,178	$41,516,622
8	86	$232,845	$74,384	$158,461	$41,358,161
8	87	$232,845	$74,100	$158,745	$41,199,416
8	88	$232,845	$73,816	$159,030	$41,040,386
8	89	$232,845	$73,531	$159,315	$40,881,072
8	90	$232,845	$73,245	$159,600	$40,721,472
8	91	$232,845	$72,959	$159,886	$40,561,586
8	92	$232,845	$72,673	$160,172	$40,401,413
8	93	$232,845	$72,386	$160,459	$40,240,954
8	94	$232,845	$72,098	$160,747	$40,080,207
8	95	$232,845	$71,810	$161,035	$39,919,172
8	96	$232,845	$71,522	$161,323	$39,757,849
9	97	$232,845	$71,233	$161,612	$39,596,236
9	98	$232,845	$70,943	$161,902	$39,434,334
9	99	$232,845	$70,653	$162,192	$39,272,142
9	100	$232,845	$70,363	$162,483	$39,109,660
9	101	$232,845	$70,071	$162,774	$38,946,886
9	102	$232,845	$69,780	$163,065	$38,783,820
9	103	$232,845	$69,488	$163,358	$38,620,463
9	104	$232,845	$69,195	$163,650	$38,456,813
9	105	$232,845	$68,902	$163,943	$38,292,869
9	106	$232,845	$68,608	$164,237	$38,128,632
9	107	$232,845	$68,314	$164,531	$37,964,101
9	108	$232,845	$68,019	$164,826	$37,799,274
10	109	$232,845	$67,724	$165,122	$37,634,153
10	110	$232,845	$67,428	$165,417	$37,468,735
10	111	$232,845	$67,131	$165,714	$37,303,022
10	112	$232,845	$66,835	$166,011	$37,137,011
10	113	$232,845	$66,537	$166,308	$36,970,703
10	114	$232,845	$66,239	$166,606	$36,804,097
10	115	$232,845	$65,941	$166,905	$36,637,192
10	116	$232,845	$65,642	$167,204	$36,469,989
10	117	$232,845	$65,342	$167,503	$36,302,485
10	118	$232,845	$65,042	$167,803	$36,134,682
10	119	$232,845	$64,741	$168,104	$35,966,578
10	120	$232,845	$64,440	$168,405	$35,798,173
11	121	$232,845	$64,138	$168,707	$35,629,466
11	122	$232,845	$63,836	$169,009	$35,460,457
11	123	$232,845	$63,533	$169,312	$35,291,145
11	124	$232,845	$63,230	$169,615	$35,121,530
11	125	$232,845	$62,926	$169,919	$34,951,611
11	126	$232,845	$62,622	$170,224	$34,781,387
11	127	$232,845	$62,317	$170,529	$34,610,858
11	128	$232,845	$62,011	$170,834	$34,440,024
11	129	$232,845	$61,705	$171,140	$34,268,884
11	130	$232,845	$61,398	$171,447	$34,097,437
11	131	$232,845	$61,091	$171,754	$33,925,683
11	132	$232,845	$60,784	$172,062	$33,753,622
12	133	$232,845	$60,475	$172,370	$33,581,252
12	134	$232,845	$60,166	$172,679	$33,408,573
12	135	$232,845	$59,857	$172,988	$33,235,584
12	136	$232,845	$59,547	$173,298	$33,062,286
12	137	$232,845	$59,237	$173,609	$32,888,678
12	138	$232,845	$58,926	$173,920	$32,714,758
12	139	$232,845	$58,614	$174,231	$32,540,527
12	140	$232,845	$58,302	$174,543	$32,365,983
12	141	$232,845	$57,989	$174,856	$32,191,127
12	142	$232,845	$57,676	$175,169	$32,015,958
12	143	$232,845	$57,362	$175,483	$31,840,474
12	144	$232,845	$57,048	$175,798	$31,664,676
13	145	$232,845	$56,733	$176,113	$31,488,564
13	146	$232,845	$56,417	$176,428	$31,312,136
13	147	$232,845	$56,101	$176,744	$31,135,391
13	148	$232,845	$55,784	$177,061	$30,958,330
13	149	$232,845	$55,467	$177,378	$30,780,952
13	150	$232,845	$55,149	$177,696	$30,603,256
13	151	$232,845	$54,831	$178,014	$30,425,241
13	152	$232,845	$54,512	$178,333	$30,246,908
13	153	$232,845	$54,192	$178,653	$30,068,255
13	154	$232,845	$53,872	$178,973	$29,889,282
13	155	$232,845	$53,552	$179,294	$29,709,989
13	156	$232,845	$53,230	$179,615	$29,530,374
14	157	$232,845	$52,909	$179,937	$29,350,437
14	158	$232,845	$52,586	$180,259	$29,170,178
14	159	$232,845	$52,263	$180,582	$28,989,596
14	160	$232,845	$51,940	$180,906	$28,808,691
14	161	$232,845	$51,616	$181,230	$28,627,461
14	162	$232,845	$51,291	$181,554	$28,445,906
14	163	$232,845	$50,966	$181,880	$28,264,027
14	164	$232,845	$50,640	$182,206	$28,081,821
14	165	$232,845	$50,313	$182,532	$27,899,289
14	166	$232,845	$49,986	$182,859	$27,716,430
14	167	$232,845	$49,659	$183,187	$27,533,244
14	168	$232,845	$49,330	$183,515	$27,349,729
15	169	$232,845	$49,002	$183,844	$27,165,885
15	170	$232,845	$48,672	$184,173	$26,981,712
15	171	$232,845	$48,342	$184,503	$26,797,209
15	172	$232,845	$48,012	$184,834	$26,612,375
15	173	$232,845	$47,681	$185,165	$26,427,211
15	174	$232,845	$47,349	$185,496	$26,241,714
15	175	$232,845	$47,016	$185,829	$26,055,885
15	176	$232,845	$46,683	$186,162	$25,869,724
15	177	$232,845	$46,350	$186,495	$25,683,228
15	178	$232,845	$46,016	$186,829	$25,496,399
15	179	$232,845	$45,681	$187,164	$25,309,235
15	180	$232,845	$45,346	$187,500	$25,121,735
16	181	$232,845	$45,010	$187,835	$24,933,900
16	182	$232,845	$44,673	$188,172	$24,745,728
16	183	$232,845	$44,336	$188,509	$24,557,218
16	184	$232,845	$43,998	$188,847	$24,368,372
16	185	$232,845	$43,660	$189,185	$24,179,186
16	186	$232,845	$43,321	$189,524	$23,989,662
16	187	$232,845	$42,981	$189,864	$23,799,798
16	188	$232,845	$42,641	$190,204	$23,609,594
16	189	$232,845	$42,301	$190,545	$23,419,050
16	190	$232,845	$41,959	$190,886	$23,228,164
16	191	$232,845	$41,617	$191,228	$23,036,935
16	192	$232,845	$41,275	$191,571	$22,845,365
17	193	$232,845	$40,931	$191,914	$22,653,451
17	194	$232,845	$40,587	$192,258	$22,461,193
17	195	$232,845	$40,243	$192,602	$22,268,591
17	196	$232,845	$39,898	$192,947	$22,075,643
17	197	$232,845	$39,552	$193,293	$21,882,350
17	198	$232,845	$39,206	$193,639	$21,688,711
17	199	$232,845	$38,859	$193,986	$21,494,724
17	200	$232,845	$38,511	$194,334	$21,300,391
17	201	$232,845	$38,163	$194,682	$21,105,709
17	202	$232,845	$37,814	$195,031	$20,910,678
17	203	$232,845	$37,465	$195,380	$20,715,297
17	204	$232,845	$37,115	$195,730	$20,519,567
18	205	$232,845	$36,764	$196,081	$20,323,486
18	206	$232,845	$36,413	$196,432	$20,127,054
18	207	$232,845	$36,061	$196,784	$19,930,269
18	208	$232,845	$35,708	$197,137	$19,733,133
18	209	$232,845	$35,355	$197,490	$19,535,643
18	210	$232,845	$35,001	$197,844	$19,337,799
18	211	$232,845	$34,647	$198,198	$19,139,600
18	212	$232,845	$34,292	$198,553	$18,941,047
18	213	$232,845	$33,936	$198,909	$18,742,138
18	214	$232,845	$33,580	$199,266	$18,542,872
18	215	$232,845	$33,223	$199,623	$18,343,249
18	216	$232,845	$32,865	$199,980	$18,143,269
19	217	$232,845	$32,507	$200,339	$17,942,931
19	218	$232,845	$32,148	$200,697	$17,742,233
19	219	$232,845	$31,788	$201,057	$17,541,176
19	220	$232,845	$31,428	$201,417	$17,339,759
19	221	$232,845	$31,067	$201,778	$17,137,981
19	222	$232,845	$30,706	$202,140	$16,935,841
19	223	$232,845	$30,343	$202,502	$16,733,339
19	224	$232,845	$29,981	$202,865	$16,530,474
19	225	$232,845	$29,617	$203,228	$16,327,246
19	226	$232,845	$29,253	$203,592	$16,123,654
19	227	$232,845	$28,888	$203,957	$15,919,697
19	228	$232,845	$28,523	$204,322	$15,715,374
20	229	$232,845	$28,157	$204,689	$15,510,686
20	230	$232,845	$27,790	$205,055	$15,305,631
20	231	$232,845	$27,423	$205,423	$15,100,208
20	232	$232,845	$27,055	$205,791	$14,894,417
20	233	$232,845	$26,686	$206,159	$14,688,258
20	234	$232,845	$26,316	$206,529	$14,481,729
20	235	$232,845	$25,946	$206,899	$14,274,830
20	236	$232,845	$25,576	$207,270	$14,067,561
20	237	$232,845	$25,204	$207,641	$13,859,920
20	238	$232,845	$24,832	$208,013	$13,651,907
20	239	$232,845	$24,460	$208,386	$13,443,521
20	240	$232,845	$24,086	$208,759	$13,234,762
21	241	$232,845	$23,712	$209,133	$13,025,629
21	242	$232,845	$23,338	$209,508	$12,816,122
21	243	$232,845	$22,962	$209,883	$12,606,239
21	244	$232,845	$22,586	$210,259	$12,395,980
21	245	$232,845	$22,209	$210,636	$12,185,344
21	246	$232,845	$21,832	$211,013	$11,974,331
21	247	$232,845	$21,454	$211,391	$11,762,939
21	248	$232,845	$21,075	$211,770	$11,551,169
21	249	$232,845	$20,696	$212,149	$11,339,020
21	250	$232,845	$20,316	$212,530	$11,126,491
21	251	$232,845	$19,935	$212,910	$10,913,580
21	252	$232,845	$19,553	$213,292	$10,700,289
22	253	$232,845	$19,171	$213,674	$10,486,615
22	254	$232,845	$18,789	$214,057	$10,272,558
22	255	$232,845	$18,405	$214,440	$10,058,118
22	256	$232,845	$18,021	$214,824	$9,843,293
22	257	$232,845	$17,636	$215,209	$9,628,084
22	258	$232,845	$17,250	$215,595	$9,412,489
22	259	$232,845	$16,864	$215,981	$9,196,508
22	260	$232,845	$16,477	$216,368	$8,980,140
22	261	$232,845	$16,089	$216,756	$8,763,384
22	262	$232,845	$15,701	$217,144	$8,546,239
22	263	$232,845	$15,312	$217,533	$8,328,706
22	264	$232,845	$14,922	$217,923	$8,110,783
23	265	$232,845	$14,532	$218,313	$7,892,470
23	266	$232,845	$14,141	$218,705	$7,673,765
23	267	$232,845	$13,749	$219,096	$7,454,669
23	268	$232,845	$13,356	$219,489	$7,235,180
23	269	$232,845	$12,963	$219,882	$7,015,298
23	270	$232,845	$12,569	$220,276	$6,795,021
23	271	$232,845	$12,174	$220,671	$6,574,351
23	272	$232,845	$11,779	$221,066	$6,353,284
23	273	$232,845	$11,383	$221,462	$6,131,822
23	274	$232,845	$10,986	$221,859	$5,909,963
23	275	$232,845	$10,589	$222,257	$5,687,707
23	276	$232,845	$10,190	$222,655	$5,465,052
24	277	$232,845	$9,792	$223,054	$5,241,998
24	278	$232,845	$9,392	$223,453	$5,018,545
24	279	$232,845	$8,992	$223,854	$4,794,691
24	280	$232,845	$8,590	$224,255	$4,570,436
24	281	$232,845	$8,189	$224,657	$4,345,780
24	282	$232,845	$7,786	$225,059	$4,120,721
24	283	$232,845	$7,383	$225,462	$3,895,258
24	284	$232,845	$6,979	$225,866	$3,669,392
24	285	$232,845	$6,574	$226,271	$3,443,121
24	286	$232,845	$6,169	$226,676	$3,216,445
24	287	$232,845	$5,763	$227,082	$2,989,362
24	288	$232,845	$5,356	$227,489	$2,761,873
25	289	$232,845	$4,948	$227,897	$2,533,976
25	290	$232,845	$4,540	$228,305	$2,305,671
25	291	$232,845	$4,131	$228,714	$2,076,957
25	292	$232,845	$3,721	$229,124	$1,847,833
25	293	$232,845	$3,311	$229,535	$1,618,298
25	294	$232,845	$2,899	$229,946	$1,388,352
25	295	$232,845	$2,487	$230,358	$1,157,995
25	296	$232,845	$2,075	$230,771	$927,224
25	297	$232,845	$1,661	$231,184	$696,040
25	298	$232,845	$1,247	$231,598	$464,442
25	299	$232,845	$832	$232,013	$232,429
25	300	$232,845	$416	$232,429	$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$ 36,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 36,900,000

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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.