Century 21 Centaland Property

Down Payment (HKD)

$28,800,000

Monthly Repayment (HKD)

$186,276

Loan Amount (HKD)

$43,200,000

Total Interest (HKD)

$12,682,860

Total Repayment (HKD)

$55,882,860

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$186,276	$77,400	$108,876	$43,091,124
1	2	$186,276	$77,205	$109,071	$42,982,053
1	3	$186,276	$77,010	$109,267	$42,872,786
1	4	$186,276	$76,814	$109,462	$42,763,323
1	5	$186,276	$76,618	$109,659	$42,653,665
1	6	$186,276	$76,421	$109,855	$42,543,810
1	7	$186,276	$76,224	$110,052	$42,433,758
1	8	$186,276	$76,027	$110,249	$42,323,509
1	9	$186,276	$75,830	$110,447	$42,213,062
1	10	$186,276	$75,632	$110,644	$42,102,418
1	11	$186,276	$75,433	$110,843	$41,991,575
1	12	$186,276	$75,235	$111,041	$41,880,534
2	13	$186,276	$75,036	$111,240	$41,769,294
2	14	$186,276	$74,837	$111,440	$41,657,854
2	15	$186,276	$74,637	$111,639	$41,546,215
2	16	$186,276	$74,437	$111,839	$41,434,376
2	17	$186,276	$74,237	$112,040	$41,322,336
2	18	$186,276	$74,036	$112,240	$41,210,096
2	19	$186,276	$73,835	$112,441	$41,097,654
2	20	$186,276	$73,633	$112,643	$40,985,011
2	21	$186,276	$73,431	$112,845	$40,872,167
2	22	$186,276	$73,229	$113,047	$40,759,120
2	23	$186,276	$73,027	$113,249	$40,645,870
2	24	$186,276	$72,824	$113,452	$40,532,418
3	25	$186,276	$72,621	$113,656	$40,418,762
3	26	$186,276	$72,417	$113,859	$40,304,903
3	27	$186,276	$72,213	$114,063	$40,190,840
3	28	$186,276	$72,009	$114,268	$40,076,572
3	29	$186,276	$71,804	$114,472	$39,962,100
3	30	$186,276	$71,599	$114,677	$39,847,422
3	31	$186,276	$71,393	$114,883	$39,732,539
3	32	$186,276	$71,187	$115,089	$39,617,451
3	33	$186,276	$70,981	$115,295	$39,502,156
3	34	$186,276	$70,775	$115,502	$39,386,654
3	35	$186,276	$70,568	$115,708	$39,270,946
3	36	$186,276	$70,360	$115,916	$39,155,030
4	37	$186,276	$70,153	$116,123	$39,038,907
4	38	$186,276	$69,945	$116,331	$38,922,575
4	39	$186,276	$69,736	$116,540	$38,806,035
4	40	$186,276	$69,527	$116,749	$38,689,287
4	41	$186,276	$69,318	$116,958	$38,572,329
4	42	$186,276	$69,109	$117,167	$38,455,161
4	43	$186,276	$68,899	$117,377	$38,337,784
4	44	$186,276	$68,689	$117,588	$38,220,196
4	45	$186,276	$68,478	$117,798	$38,102,398
4	46	$186,276	$68,267	$118,009	$37,984,388
4	47	$186,276	$68,055	$118,221	$37,866,168
4	48	$186,276	$67,844	$118,433	$37,747,735
5	49	$186,276	$67,631	$118,645	$37,629,090
5	50	$186,276	$67,419	$118,857	$37,510,233
5	51	$186,276	$67,206	$119,070	$37,391,162
5	52	$186,276	$66,992	$119,284	$37,271,879
5	53	$186,276	$66,779	$119,497	$37,152,381
5	54	$186,276	$66,565	$119,712	$37,032,670
5	55	$186,276	$66,350	$119,926	$36,912,744
5	56	$186,276	$66,135	$120,141	$36,792,603
5	57	$186,276	$65,920	$120,356	$36,672,247
5	58	$186,276	$65,704	$120,572	$36,551,675
5	59	$186,276	$65,488	$120,788	$36,430,887
5	60	$186,276	$65,272	$121,004	$36,309,883
6	61	$186,276	$65,055	$121,221	$36,188,662
6	62	$186,276	$64,838	$121,438	$36,067,224
6	63	$186,276	$64,620	$121,656	$35,945,568
6	64	$186,276	$64,402	$121,874	$35,823,694
6	65	$186,276	$64,184	$122,092	$35,701,602
6	66	$186,276	$63,965	$122,311	$35,579,291
6	67	$186,276	$63,746	$122,530	$35,456,761
6	68	$186,276	$63,527	$122,750	$35,334,012
6	69	$186,276	$63,307	$122,969	$35,211,042
6	70	$186,276	$63,086	$123,190	$35,087,853
6	71	$186,276	$62,866	$123,410	$34,964,442
6	72	$186,276	$62,645	$123,632	$34,840,811
7	73	$186,276	$62,423	$123,853	$34,716,958
7	74	$186,276	$62,201	$124,075	$34,592,883
7	75	$186,276	$61,979	$124,297	$34,468,585
7	76	$186,276	$61,756	$124,520	$34,344,065
7	77	$186,276	$61,533	$124,743	$34,219,322
7	78	$186,276	$61,310	$124,967	$34,094,356
7	79	$186,276	$61,086	$125,190	$33,969,165
7	80	$186,276	$60,861	$125,415	$33,843,750
7	81	$186,276	$60,637	$125,639	$33,718,111
7	82	$186,276	$60,412	$125,865	$33,592,246
7	83	$186,276	$60,186	$126,090	$33,466,156
7	84	$186,276	$59,960	$126,316	$33,339,840
8	85	$186,276	$59,734	$126,542	$33,213,298
8	86	$186,276	$59,507	$126,769	$33,086,529
8	87	$186,276	$59,280	$126,996	$32,959,533
8	88	$186,276	$59,052	$127,224	$32,832,309
8	89	$186,276	$58,825	$127,452	$32,704,857
8	90	$186,276	$58,596	$127,680	$32,577,177
8	91	$186,276	$58,367	$127,909	$32,449,269
8	92	$186,276	$58,138	$128,138	$32,321,131
8	93	$186,276	$57,909	$128,368	$32,192,763
8	94	$186,276	$57,679	$128,597	$32,064,166
8	95	$186,276	$57,448	$128,828	$31,935,338
8	96	$186,276	$57,217	$129,059	$31,806,279
9	97	$186,276	$56,986	$129,290	$31,676,989
9	98	$186,276	$56,755	$129,522	$31,547,468
9	99	$186,276	$56,523	$129,754	$31,417,714
9	100	$186,276	$56,290	$129,986	$31,287,728
9	101	$186,276	$56,057	$130,219	$31,157,509
9	102	$186,276	$55,824	$130,452	$31,027,056
9	103	$186,276	$55,590	$130,686	$30,896,370
9	104	$186,276	$55,356	$130,920	$30,765,450
9	105	$186,276	$55,121	$131,155	$30,634,295
9	106	$186,276	$54,886	$131,390	$30,502,906
9	107	$186,276	$54,651	$131,625	$30,371,280
9	108	$186,276	$54,415	$131,861	$30,239,419
10	109	$186,276	$54,179	$132,097	$30,107,322
10	110	$186,276	$53,942	$132,334	$29,974,988
10	111	$186,276	$53,705	$132,571	$29,842,417
10	112	$186,276	$53,468	$132,809	$29,709,609
10	113	$186,276	$53,230	$133,046	$29,576,562
10	114	$186,276	$52,991	$133,285	$29,443,277
10	115	$186,276	$52,753	$133,524	$29,309,754
10	116	$186,276	$52,513	$133,763	$29,175,991
10	117	$186,276	$52,274	$134,003	$29,041,988
10	118	$186,276	$52,034	$134,243	$28,907,746
10	119	$186,276	$51,793	$134,483	$28,773,263
10	120	$186,276	$51,552	$134,724	$28,638,538
11	121	$186,276	$51,311	$134,965	$28,503,573
11	122	$186,276	$51,069	$135,207	$28,368,366
11	123	$186,276	$50,827	$135,450	$28,232,916
11	124	$186,276	$50,584	$135,692	$28,097,224
11	125	$186,276	$50,341	$135,935	$27,961,289
11	126	$186,276	$50,097	$136,179	$27,825,110
11	127	$186,276	$49,853	$136,423	$27,688,687
11	128	$186,276	$49,609	$136,667	$27,552,019
11	129	$186,276	$49,364	$136,912	$27,415,107
11	130	$186,276	$49,119	$137,157	$27,277,950
11	131	$186,276	$48,873	$137,403	$27,140,547
11	132	$186,276	$48,627	$137,649	$27,002,897
12	133	$186,276	$48,380	$137,896	$26,865,001
12	134	$186,276	$48,133	$138,143	$26,726,858
12	135	$186,276	$47,886	$138,391	$26,588,468
12	136	$186,276	$47,638	$138,639	$26,449,829
12	137	$186,276	$47,389	$138,887	$26,310,942
12	138	$186,276	$47,140	$139,136	$26,171,806
12	139	$186,276	$46,891	$139,385	$26,032,421
12	140	$186,276	$46,641	$139,635	$25,892,787
12	141	$186,276	$46,391	$139,885	$25,752,902
12	142	$186,276	$46,141	$140,136	$25,612,766
12	143	$186,276	$45,890	$140,387	$25,472,379
12	144	$186,276	$45,638	$140,638	$25,331,741
13	145	$186,276	$45,386	$140,890	$25,190,851
13	146	$186,276	$45,134	$141,143	$25,049,708
13	147	$186,276	$44,881	$141,395	$24,908,313
13	148	$186,276	$44,627	$141,649	$24,766,664
13	149	$186,276	$44,374	$141,903	$24,624,762
13	150	$186,276	$44,119	$142,157	$24,482,605
13	151	$186,276	$43,865	$142,412	$24,340,193
13	152	$186,276	$43,610	$142,667	$24,197,526
13	153	$186,276	$43,354	$142,922	$24,054,604
13	154	$186,276	$43,098	$143,178	$23,911,426
13	155	$186,276	$42,841	$143,435	$23,767,991
13	156	$186,276	$42,584	$143,692	$23,624,299
14	157	$186,276	$42,327	$143,949	$23,480,350
14	158	$186,276	$42,069	$144,207	$23,336,142
14	159	$186,276	$41,811	$144,466	$23,191,677
14	160	$186,276	$41,552	$144,724	$23,046,952
14	161	$186,276	$41,292	$144,984	$22,901,969
14	162	$186,276	$41,033	$145,244	$22,756,725
14	163	$186,276	$40,772	$145,504	$22,611,221
14	164	$186,276	$40,512	$145,764	$22,465,457
14	165	$186,276	$40,251	$146,026	$22,319,431
14	166	$186,276	$39,989	$146,287	$22,173,144
14	167	$186,276	$39,727	$146,549	$22,026,595
14	168	$186,276	$39,464	$146,812	$21,879,783
15	169	$186,276	$39,201	$147,075	$21,732,708
15	170	$186,276	$38,938	$147,338	$21,585,370
15	171	$186,276	$38,674	$147,602	$21,437,767
15	172	$186,276	$38,409	$147,867	$21,289,900
15	173	$186,276	$38,144	$148,132	$21,141,769
15	174	$186,276	$37,879	$148,397	$20,993,371
15	175	$186,276	$37,613	$148,663	$20,844,708
15	176	$186,276	$37,347	$148,929	$20,695,779
15	177	$186,276	$37,080	$149,196	$20,546,583
15	178	$186,276	$36,813	$149,464	$20,397,119
15	179	$186,276	$36,545	$149,731	$20,247,388
15	180	$186,276	$36,277	$150,000	$20,097,388
16	181	$186,276	$36,008	$150,268	$19,947,120
16	182	$186,276	$35,739	$150,538	$19,796,582
16	183	$186,276	$35,469	$150,807	$19,645,775
16	184	$186,276	$35,199	$151,078	$19,494,697
16	185	$186,276	$34,928	$151,348	$19,343,349
16	186	$186,276	$34,657	$151,619	$19,191,730
16	187	$186,276	$34,385	$151,891	$19,039,839
16	188	$186,276	$34,113	$152,163	$18,887,675
16	189	$186,276	$33,840	$152,436	$18,735,240
16	190	$186,276	$33,567	$152,709	$18,582,531
16	191	$186,276	$33,294	$152,982	$18,429,548
16	192	$186,276	$33,020	$153,257	$18,276,292
17	193	$186,276	$32,745	$153,531	$18,122,761
17	194	$186,276	$32,470	$153,806	$17,968,954
17	195	$186,276	$32,194	$154,082	$17,814,872
17	196	$186,276	$31,918	$154,358	$17,660,515
17	197	$186,276	$31,642	$154,634	$17,505,880
17	198	$186,276	$31,365	$154,911	$17,350,969
17	199	$186,276	$31,087	$155,189	$17,195,780
17	200	$186,276	$30,809	$155,467	$17,040,312
17	201	$186,276	$30,531	$155,746	$16,884,567
17	202	$186,276	$30,252	$156,025	$16,728,542
17	203	$186,276	$29,972	$156,304	$16,572,238
17	204	$186,276	$29,692	$156,584	$16,415,654
18	205	$186,276	$29,411	$156,865	$16,258,789
18	206	$186,276	$29,130	$157,146	$16,101,643
18	207	$186,276	$28,849	$157,427	$15,944,216
18	208	$186,276	$28,567	$157,709	$15,786,506
18	209	$186,276	$28,284	$157,992	$15,628,514
18	210	$186,276	$28,001	$158,275	$15,470,239
18	211	$186,276	$27,718	$158,559	$15,311,680
18	212	$186,276	$27,433	$158,843	$15,152,837
18	213	$186,276	$27,149	$159,127	$14,993,710
18	214	$186,276	$26,864	$159,412	$14,834,298
18	215	$186,276	$26,578	$159,698	$14,674,600
18	216	$186,276	$26,292	$159,984	$14,514,615
19	217	$186,276	$26,005	$160,271	$14,354,344
19	218	$186,276	$25,718	$160,558	$14,193,786
19	219	$186,276	$25,431	$160,846	$14,032,941
19	220	$186,276	$25,142	$161,134	$13,871,807
19	221	$186,276	$24,854	$161,423	$13,710,384
19	222	$186,276	$24,564	$161,712	$13,548,673
19	223	$186,276	$24,275	$162,001	$13,386,671
19	224	$186,276	$23,984	$162,292	$13,224,379
19	225	$186,276	$23,694	$162,583	$13,061,797
19	226	$186,276	$23,402	$162,874	$12,898,923
19	227	$186,276	$23,111	$163,166	$12,735,757
19	228	$186,276	$22,818	$163,458	$12,572,299
20	229	$186,276	$22,525	$163,751	$12,408,549
20	230	$186,276	$22,232	$164,044	$12,244,504
20	231	$186,276	$21,938	$164,338	$12,080,166
20	232	$186,276	$21,644	$164,633	$11,915,534
20	233	$186,276	$21,349	$164,928	$11,750,606
20	234	$186,276	$21,053	$165,223	$11,585,383
20	235	$186,276	$20,757	$165,519	$11,419,864
20	236	$186,276	$20,461	$165,816	$11,254,049
20	237	$186,276	$20,164	$166,113	$11,087,936
20	238	$186,276	$19,866	$166,410	$10,921,526
20	239	$186,276	$19,568	$166,708	$10,754,817
20	240	$186,276	$19,269	$167,007	$10,587,810
21	241	$186,276	$18,970	$167,306	$10,420,504
21	242	$186,276	$18,670	$167,606	$10,252,897
21	243	$186,276	$18,370	$167,906	$10,084,991
21	244	$186,276	$18,069	$168,207	$9,916,784
21	245	$186,276	$17,768	$168,509	$9,748,275
21	246	$186,276	$17,466	$168,811	$9,579,465
21	247	$186,276	$17,163	$169,113	$9,410,352
21	248	$186,276	$16,860	$169,416	$9,240,936
21	249	$186,276	$16,557	$169,720	$9,071,216
21	250	$186,276	$16,253	$170,024	$8,901,192
21	251	$186,276	$15,948	$170,328	$8,730,864
21	252	$186,276	$15,643	$170,633	$8,560,231
22	253	$186,276	$15,337	$170,939	$8,389,292
22	254	$186,276	$15,031	$171,245	$8,218,046
22	255	$186,276	$14,724	$171,552	$8,046,494
22	256	$186,276	$14,417	$171,860	$7,874,635
22	257	$186,276	$14,109	$172,167	$7,702,467
22	258	$186,276	$13,800	$172,476	$7,529,991
22	259	$186,276	$13,491	$172,785	$7,357,206
22	260	$186,276	$13,182	$173,095	$7,184,112
22	261	$186,276	$12,872	$173,405	$7,010,707
22	262	$186,276	$12,561	$173,715	$6,836,992
22	263	$186,276	$12,250	$174,027	$6,662,965
22	264	$186,276	$11,938	$174,338	$6,488,627
23	265	$186,276	$11,625	$174,651	$6,313,976
23	266	$186,276	$11,313	$174,964	$6,139,012
23	267	$186,276	$10,999	$175,277	$5,963,735
23	268	$186,276	$10,685	$175,591	$5,788,144
23	269	$186,276	$10,370	$175,906	$5,612,238
23	270	$186,276	$10,055	$176,221	$5,436,017
23	271	$186,276	$9,740	$176,537	$5,259,481
23	272	$186,276	$9,423	$176,853	$5,082,628
23	273	$186,276	$9,106	$177,170	$4,905,458
23	274	$186,276	$8,789	$177,487	$4,727,970
23	275	$186,276	$8,471	$177,805	$4,550,165
23	276	$186,276	$8,152	$178,124	$4,372,041
24	277	$186,276	$7,833	$178,443	$4,193,598
24	278	$186,276	$7,514	$178,763	$4,014,836
24	279	$186,276	$7,193	$179,083	$3,835,753
24	280	$186,276	$6,872	$179,404	$3,656,349
24	281	$186,276	$6,551	$179,725	$3,476,624
24	282	$186,276	$6,229	$180,047	$3,296,577
24	283	$186,276	$5,906	$180,370	$3,116,207
24	284	$186,276	$5,583	$180,693	$2,935,514
24	285	$186,276	$5,259	$181,017	$2,754,497
24	286	$186,276	$4,935	$181,341	$2,573,156
24	287	$186,276	$4,610	$181,666	$2,391,490
24	288	$186,276	$4,285	$181,991	$2,209,498
25	289	$186,276	$3,959	$182,318	$2,027,181
25	290	$186,276	$3,632	$182,644	$1,844,537
25	291	$186,276	$3,305	$182,971	$1,661,565
25	292	$186,276	$2,977	$183,299	$1,478,266
25	293	$186,276	$2,649	$183,628	$1,294,639
25	294	$186,276	$2,320	$183,957	$1,110,682
25	295	$186,276	$1,990	$184,286	$926,396
25	296	$186,276	$1,660	$184,616	$741,779
25	297	$186,276	$1,329	$184,947	$556,832
25	298	$186,276	$998	$185,279	$371,554
25	299	$186,276	$666	$185,610	$185,943
25	300	$186,276	$333	$185,943	$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$ 28,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 29,520,000

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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.