Century 21 Centaland Property

Down Payment (HKD)

$9,100,000

Monthly Repayment (HKD)

$58,858

Loan Amount (HKD)

$13,650,000

Total Interest (HKD)

$4,007,431

Total Repayment (HKD)

$17,657,431

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$58,858	$24,456	$34,402	$13,615,598
1	2	$58,858	$24,395	$34,463	$13,581,135
1	3	$58,858	$24,333	$34,525	$13,546,609
1	4	$58,858	$24,271	$34,587	$13,512,022
1	5	$58,858	$24,209	$34,649	$13,477,373
1	6	$58,858	$24,147	$34,711	$13,442,662
1	7	$58,858	$24,085	$34,773	$13,407,889
1	8	$58,858	$24,022	$34,836	$13,373,053
1	9	$58,858	$23,960	$34,898	$13,338,155
1	10	$58,858	$23,898	$34,961	$13,303,195
1	11	$58,858	$23,835	$35,023	$13,268,171
1	12	$58,858	$23,772	$35,086	$13,233,085
2	13	$58,858	$23,709	$35,149	$13,197,937
2	14	$58,858	$23,646	$35,212	$13,162,725
2	15	$58,858	$23,583	$35,275	$13,127,450
2	16	$58,858	$23,520	$35,338	$13,092,112
2	17	$58,858	$23,457	$35,401	$13,056,710
2	18	$58,858	$23,393	$35,465	$13,021,245
2	19	$58,858	$23,330	$35,528	$12,985,717
2	20	$58,858	$23,266	$35,592	$12,950,125
2	21	$58,858	$23,202	$35,656	$12,914,469
2	22	$58,858	$23,138	$35,720	$12,878,750
2	23	$58,858	$23,074	$35,784	$12,842,966
2	24	$58,858	$23,010	$35,848	$12,807,118
3	25	$58,858	$22,946	$35,912	$12,771,206
3	26	$58,858	$22,882	$35,976	$12,735,230
3	27	$58,858	$22,817	$36,041	$12,699,189
3	28	$58,858	$22,753	$36,105	$12,663,084
3	29	$58,858	$22,688	$36,170	$12,626,913
3	30	$58,858	$22,623	$36,235	$12,590,679
3	31	$58,858	$22,558	$36,300	$12,554,379
3	32	$58,858	$22,493	$36,365	$12,518,014
3	33	$58,858	$22,428	$36,430	$12,481,584
3	34	$58,858	$22,363	$36,495	$12,445,089
3	35	$58,858	$22,297	$36,561	$12,408,528
3	36	$58,858	$22,232	$36,626	$12,371,902
4	37	$58,858	$22,166	$36,692	$12,335,210
4	38	$58,858	$22,101	$36,758	$12,298,453
4	39	$58,858	$22,035	$36,823	$12,261,629
4	40	$58,858	$21,969	$36,889	$12,224,740
4	41	$58,858	$21,903	$36,955	$12,187,784
4	42	$58,858	$21,836	$37,022	$12,150,763
4	43	$58,858	$21,770	$37,088	$12,113,675
4	44	$58,858	$21,704	$37,154	$12,076,520
4	45	$58,858	$21,637	$37,221	$12,039,299
4	46	$58,858	$21,570	$37,288	$12,002,012
4	47	$58,858	$21,504	$37,355	$11,964,657
4	48	$58,858	$21,437	$37,421	$11,927,236
5	49	$58,858	$21,370	$37,488	$11,889,747
5	50	$58,858	$21,302	$37,556	$11,852,192
5	51	$58,858	$21,235	$37,623	$11,814,569
5	52	$58,858	$21,168	$37,690	$11,776,878
5	53	$58,858	$21,100	$37,758	$11,739,120
5	54	$58,858	$21,033	$37,826	$11,701,295
5	55	$58,858	$20,965	$37,893	$11,663,402
5	56	$58,858	$20,897	$37,961	$11,625,440
5	57	$58,858	$20,829	$38,029	$11,587,411
5	58	$58,858	$20,761	$38,097	$11,549,314
5	59	$58,858	$20,693	$38,166	$11,511,148
5	60	$58,858	$20,624	$38,234	$11,472,914
6	61	$58,858	$20,556	$38,302	$11,434,612
6	62	$58,858	$20,487	$38,371	$11,396,241
6	63	$58,858	$20,418	$38,440	$11,357,801
6	64	$58,858	$20,349	$38,509	$11,319,292
6	65	$58,858	$20,280	$38,578	$11,280,715
6	66	$58,858	$20,211	$38,647	$11,242,068
6	67	$58,858	$20,142	$38,716	$11,203,352
6	68	$58,858	$20,073	$38,785	$11,164,566
6	69	$58,858	$20,003	$38,855	$11,125,711
6	70	$58,858	$19,934	$38,925	$11,086,787
6	71	$58,858	$19,864	$38,994	$11,047,793
6	72	$58,858	$19,794	$39,064	$11,008,728
7	73	$58,858	$19,724	$39,134	$10,969,594
7	74	$58,858	$19,654	$39,204	$10,930,390
7	75	$58,858	$19,584	$39,274	$10,891,116
7	76	$58,858	$19,513	$39,345	$10,851,771
7	77	$58,858	$19,443	$39,415	$10,812,355
7	78	$58,858	$19,372	$39,486	$10,772,869
7	79	$58,858	$19,301	$39,557	$10,733,313
7	80	$58,858	$19,231	$39,628	$10,693,685
7	81	$58,858	$19,160	$39,699	$10,653,986
7	82	$58,858	$19,088	$39,770	$10,614,217
7	83	$58,858	$19,017	$39,841	$10,574,376
7	84	$58,858	$18,946	$39,912	$10,534,463
8	85	$58,858	$18,874	$39,984	$10,494,480
8	86	$58,858	$18,803	$40,055	$10,454,424
8	87	$58,858	$18,731	$40,127	$10,414,297
8	88	$58,858	$18,659	$40,199	$10,374,098
8	89	$58,858	$18,587	$40,271	$10,333,826
8	90	$58,858	$18,515	$40,343	$10,293,483
8	91	$58,858	$18,442	$40,416	$10,253,068
8	92	$58,858	$18,370	$40,488	$10,212,579
8	93	$58,858	$18,298	$40,561	$10,172,019
8	94	$58,858	$18,225	$40,633	$10,131,386
8	95	$58,858	$18,152	$40,706	$10,090,680
8	96	$58,858	$18,079	$40,779	$10,049,901
9	97	$58,858	$18,006	$40,852	$10,009,049
9	98	$58,858	$17,933	$40,925	$9,968,123
9	99	$58,858	$17,860	$40,999	$9,927,125
9	100	$58,858	$17,786	$41,072	$9,886,053
9	101	$58,858	$17,713	$41,146	$9,844,907
9	102	$58,858	$17,639	$41,219	$9,803,688
9	103	$58,858	$17,565	$41,293	$9,762,395
9	104	$58,858	$17,491	$41,367	$9,721,028
9	105	$58,858	$17,417	$41,441	$9,679,586
9	106	$58,858	$17,343	$41,516	$9,638,071
9	107	$58,858	$17,268	$41,590	$9,596,481
9	108	$58,858	$17,194	$41,664	$9,554,817
10	109	$58,858	$17,119	$41,739	$9,513,078
10	110	$58,858	$17,044	$41,814	$9,471,264
10	111	$58,858	$16,969	$41,889	$9,429,375
10	112	$58,858	$16,894	$41,964	$9,387,411
10	113	$58,858	$16,819	$42,039	$9,345,372
10	114	$58,858	$16,744	$42,114	$9,303,258
10	115	$58,858	$16,668	$42,190	$9,261,068
10	116	$58,858	$16,593	$42,265	$9,218,803
10	117	$58,858	$16,517	$42,341	$9,176,462
10	118	$58,858	$16,441	$42,417	$9,134,045
10	119	$58,858	$16,365	$42,493	$9,091,552
10	120	$58,858	$16,289	$42,569	$9,048,983
11	121	$58,858	$16,213	$42,645	$9,006,337
11	122	$58,858	$16,136	$42,722	$8,963,616
11	123	$58,858	$16,060	$42,798	$8,920,817
11	124	$58,858	$15,983	$42,875	$8,877,942
11	125	$58,858	$15,906	$42,952	$8,834,990
11	126	$58,858	$15,829	$43,029	$8,791,962
11	127	$58,858	$15,752	$43,106	$8,748,856
11	128	$58,858	$15,675	$43,183	$8,705,673
11	129	$58,858	$15,598	$43,260	$8,662,412
11	130	$58,858	$15,520	$43,338	$8,619,074
11	131	$58,858	$15,443	$43,416	$8,575,659
11	132	$58,858	$15,365	$43,493	$8,532,165
12	133	$58,858	$15,287	$43,571	$8,488,594
12	134	$58,858	$15,209	$43,649	$8,444,945
12	135	$58,858	$15,131	$43,728	$8,401,217
12	136	$58,858	$15,052	$43,806	$8,357,411
12	137	$58,858	$14,974	$43,884	$8,313,527
12	138	$58,858	$14,895	$43,963	$8,269,564
12	139	$58,858	$14,816	$44,042	$8,225,522
12	140	$58,858	$14,737	$44,121	$8,181,401
12	141	$58,858	$14,658	$44,200	$8,137,202
12	142	$58,858	$14,579	$44,279	$8,092,923
12	143	$58,858	$14,500	$44,358	$8,048,564
12	144	$58,858	$14,420	$44,438	$8,004,127
13	145	$58,858	$14,341	$44,517	$7,959,609
13	146	$58,858	$14,261	$44,597	$7,915,012
13	147	$58,858	$14,181	$44,677	$7,870,335
13	148	$58,858	$14,101	$44,757	$7,825,578
13	149	$58,858	$14,021	$44,837	$7,780,741
13	150	$58,858	$13,940	$44,918	$7,735,823
13	151	$58,858	$13,860	$44,998	$7,690,825
13	152	$58,858	$13,779	$45,079	$7,645,746
13	153	$58,858	$13,699	$45,159	$7,600,587
13	154	$58,858	$13,618	$45,240	$7,555,346
13	155	$58,858	$13,537	$45,321	$7,510,025
13	156	$58,858	$13,455	$45,403	$7,464,622
14	157	$58,858	$13,374	$45,484	$7,419,138
14	158	$58,858	$13,293	$45,565	$7,373,573
14	159	$58,858	$13,211	$45,647	$7,327,926
14	160	$58,858	$13,129	$45,729	$7,282,197
14	161	$58,858	$13,047	$45,811	$7,236,386
14	162	$58,858	$12,965	$45,893	$7,190,493
14	163	$58,858	$12,883	$45,975	$7,144,518
14	164	$58,858	$12,801	$46,058	$7,098,460
14	165	$58,858	$12,718	$46,140	$7,052,320
14	166	$58,858	$12,635	$46,223	$7,006,098
14	167	$58,858	$12,553	$46,306	$6,959,792
14	168	$58,858	$12,470	$46,388	$6,913,404
15	169	$58,858	$12,387	$46,472	$6,866,932
15	170	$58,858	$12,303	$46,555	$6,820,377
15	171	$58,858	$12,220	$46,638	$6,773,739
15	172	$58,858	$12,136	$46,722	$6,727,017
15	173	$58,858	$12,053	$46,806	$6,680,212
15	174	$58,858	$11,969	$46,889	$6,633,322
15	175	$58,858	$11,885	$46,973	$6,586,349
15	176	$58,858	$11,801	$47,058	$6,539,291
15	177	$58,858	$11,716	$47,142	$6,492,149
15	178	$58,858	$11,632	$47,226	$6,444,923
15	179	$58,858	$11,547	$47,311	$6,397,612
15	180	$58,858	$11,462	$47,396	$6,350,216
16	181	$58,858	$11,377	$47,481	$6,302,736
16	182	$58,858	$11,292	$47,566	$6,255,170
16	183	$58,858	$11,207	$47,651	$6,207,519
16	184	$58,858	$11,122	$47,736	$6,159,783
16	185	$58,858	$11,036	$47,822	$6,111,961
16	186	$58,858	$10,951	$47,908	$6,064,053
16	187	$58,858	$10,865	$47,993	$6,016,060
16	188	$58,858	$10,779	$48,079	$5,967,981
16	189	$58,858	$10,693	$48,165	$5,919,815
16	190	$58,858	$10,606	$48,252	$5,871,564
16	191	$58,858	$10,520	$48,338	$5,823,225
16	192	$58,858	$10,433	$48,425	$5,774,801
17	193	$58,858	$10,347	$48,512	$5,726,289
17	194	$58,858	$10,260	$48,599	$5,677,690
17	195	$58,858	$10,173	$48,686	$5,629,005
17	196	$58,858	$10,085	$48,773	$5,580,232
17	197	$58,858	$9,998	$48,860	$5,531,372
17	198	$58,858	$9,910	$48,948	$5,482,424
17	199	$58,858	$9,823	$49,035	$5,433,389
17	200	$58,858	$9,735	$49,123	$5,384,265
17	201	$58,858	$9,647	$49,211	$5,335,054
17	202	$58,858	$9,559	$49,299	$5,285,755
17	203	$58,858	$9,470	$49,388	$5,236,367
17	204	$58,858	$9,382	$49,476	$5,186,891
18	205	$58,858	$9,293	$49,565	$5,137,326
18	206	$58,858	$9,204	$49,654	$5,087,672
18	207	$58,858	$9,115	$49,743	$5,037,929
18	208	$58,858	$9,026	$49,832	$4,988,097
18	209	$58,858	$8,937	$49,921	$4,938,176
18	210	$58,858	$8,848	$50,011	$4,888,166
18	211	$58,858	$8,758	$50,100	$4,838,066
18	212	$58,858	$8,668	$50,190	$4,787,876
18	213	$58,858	$8,578	$50,280	$4,737,596
18	214	$58,858	$8,488	$50,370	$4,687,226
18	215	$58,858	$8,398	$50,460	$4,636,766
18	216	$58,858	$8,308	$50,551	$4,586,215
19	217	$58,858	$8,217	$50,641	$4,535,574
19	218	$58,858	$8,126	$50,732	$4,484,842
19	219	$58,858	$8,035	$50,823	$4,434,019
19	220	$58,858	$7,944	$50,914	$4,383,106
19	221	$58,858	$7,853	$51,005	$4,332,101
19	222	$58,858	$7,762	$51,096	$4,281,004
19	223	$58,858	$7,670	$51,188	$4,229,816
19	224	$58,858	$7,578	$51,280	$4,178,537
19	225	$58,858	$7,487	$51,372	$4,127,165
19	226	$58,858	$7,395	$51,464	$4,075,701
19	227	$58,858	$7,302	$51,556	$4,024,146
19	228	$58,858	$7,210	$51,648	$3,972,497
20	229	$58,858	$7,117	$51,741	$3,920,757
20	230	$58,858	$7,025	$51,833	$3,868,923
20	231	$58,858	$6,932	$51,926	$3,816,997
20	232	$58,858	$6,839	$52,019	$3,764,978
20	233	$58,858	$6,746	$52,113	$3,712,865
20	234	$58,858	$6,652	$52,206	$3,660,659
20	235	$58,858	$6,559	$52,299	$3,608,360
20	236	$58,858	$6,465	$52,393	$3,555,967
20	237	$58,858	$6,371	$52,487	$3,503,480
20	238	$58,858	$6,277	$52,581	$3,450,899
20	239	$58,858	$6,183	$52,675	$3,398,223
20	240	$58,858	$6,088	$52,770	$3,345,454
21	241	$58,858	$5,994	$52,864	$3,292,590
21	242	$58,858	$5,899	$52,959	$3,239,631
21	243	$58,858	$5,804	$53,054	$3,186,577
21	244	$58,858	$5,709	$53,149	$3,133,428
21	245	$58,858	$5,614	$53,244	$3,080,184
21	246	$58,858	$5,519	$53,339	$3,026,845
21	247	$58,858	$5,423	$53,435	$2,973,410
21	248	$58,858	$5,327	$53,531	$2,919,879
21	249	$58,858	$5,231	$53,627	$2,866,252
21	250	$58,858	$5,135	$53,723	$2,812,530
21	251	$58,858	$5,039	$53,819	$2,758,711
21	252	$58,858	$4,943	$53,915	$2,704,795
22	253	$58,858	$4,846	$54,012	$2,650,783
22	254	$58,858	$4,749	$54,109	$2,596,674
22	255	$58,858	$4,652	$54,206	$2,542,469
22	256	$58,858	$4,555	$54,303	$2,488,166
22	257	$58,858	$4,458	$54,400	$2,433,766
22	258	$58,858	$4,360	$54,498	$2,379,268
22	259	$58,858	$4,263	$54,595	$2,324,673
22	260	$58,858	$4,165	$54,693	$2,269,980
22	261	$58,858	$4,067	$54,791	$2,215,189
22	262	$58,858	$3,969	$54,889	$2,160,299
22	263	$58,858	$3,871	$54,988	$2,105,312
22	264	$58,858	$3,772	$55,086	$2,050,226
23	265	$58,858	$3,673	$55,185	$1,995,041
23	266	$58,858	$3,574	$55,284	$1,939,757
23	267	$58,858	$3,475	$55,383	$1,884,375
23	268	$58,858	$3,376	$55,482	$1,828,893
23	269	$58,858	$3,277	$55,581	$1,773,311
23	270	$58,858	$3,177	$55,681	$1,717,630
23	271	$58,858	$3,077	$55,781	$1,661,850
23	272	$58,858	$2,977	$55,881	$1,605,969
23	273	$58,858	$2,877	$55,981	$1,549,988
23	274	$58,858	$2,777	$56,081	$1,493,907
23	275	$58,858	$2,677	$56,182	$1,437,726
23	276	$58,858	$2,576	$56,282	$1,381,444
24	277	$58,858	$2,475	$56,383	$1,325,061
24	278	$58,858	$2,374	$56,484	$1,268,577
24	279	$58,858	$2,273	$56,585	$1,211,991
24	280	$58,858	$2,171	$56,687	$1,155,305
24	281	$58,858	$2,070	$56,788	$1,098,517
24	282	$58,858	$1,968	$56,890	$1,041,627
24	283	$58,858	$1,866	$56,992	$984,635
24	284	$58,858	$1,764	$57,094	$927,541
24	285	$58,858	$1,662	$57,196	$870,345
24	286	$58,858	$1,559	$57,299	$813,046
24	287	$58,858	$1,457	$57,401	$755,644
24	288	$58,858	$1,354	$57,504	$698,140
25	289	$58,858	$1,251	$57,607	$640,533
25	290	$58,858	$1,148	$57,710	$582,822
25	291	$58,858	$1,044	$57,814	$525,009
25	292	$58,858	$941	$57,917	$467,091
25	293	$58,858	$837	$58,021	$409,070
25	294	$58,858	$733	$58,125	$350,945
25	295	$58,858	$629	$58,229	$292,715
25	296	$58,858	$524	$58,334	$234,382
25	297	$58,858	$420	$58,438	$175,943
25	298	$58,858	$315	$58,543	$117,401
25	299	$58,858	$210	$58,648	$58,753
25	300	$58,858	$105	$58,753	$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$ 9,100,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 9,327,500

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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.