Century 21 Centaland Property

Down Payment (HKD)

$16,400,000

Monthly Repayment (HKD)

$106,074

Loan Amount (HKD)

$24,600,000

Total Interest (HKD)

$7,222,184

Total Repayment (HKD)

$31,822,184

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$106,074	$44,075	$61,999	$24,538,001
1	2	$106,074	$43,964	$62,110	$24,475,891
1	3	$106,074	$43,853	$62,221	$24,413,670
1	4	$106,074	$43,741	$62,333	$24,351,337
1	5	$106,074	$43,629	$62,444	$24,288,892
1	6	$106,074	$43,518	$62,556	$24,226,336
1	7	$106,074	$43,406	$62,668	$24,163,668
1	8	$106,074	$43,293	$62,781	$24,100,887
1	9	$106,074	$43,181	$62,893	$24,037,994
1	10	$106,074	$43,068	$63,006	$23,974,988
1	11	$106,074	$42,955	$63,119	$23,911,869
1	12	$106,074	$42,842	$63,232	$23,848,637
2	13	$106,074	$42,729	$63,345	$23,785,292
2	14	$106,074	$42,615	$63,459	$23,721,834
2	15	$106,074	$42,502	$63,572	$23,658,261
2	16	$106,074	$42,388	$63,686	$23,594,575
2	17	$106,074	$42,274	$63,800	$23,530,775
2	18	$106,074	$42,159	$63,915	$23,466,860
2	19	$106,074	$42,045	$64,029	$23,402,831
2	20	$106,074	$41,930	$64,144	$23,338,687
2	21	$106,074	$41,815	$64,259	$23,274,428
2	22	$106,074	$41,700	$64,374	$23,210,054
2	23	$106,074	$41,585	$64,489	$23,145,565
2	24	$106,074	$41,469	$64,605	$23,080,960
3	25	$106,074	$41,353	$64,721	$23,016,240
3	26	$106,074	$41,237	$64,837	$22,951,403
3	27	$106,074	$41,121	$64,953	$22,886,450
3	28	$106,074	$41,005	$65,069	$22,821,381
3	29	$106,074	$40,888	$65,186	$22,756,196
3	30	$106,074	$40,772	$65,302	$22,690,893
3	31	$106,074	$40,655	$65,419	$22,625,474
3	32	$106,074	$40,537	$65,537	$22,559,937
3	33	$106,074	$40,420	$65,654	$22,494,283
3	34	$106,074	$40,302	$65,772	$22,428,511
3	35	$106,074	$40,184	$65,890	$22,362,622
3	36	$106,074	$40,066	$66,008	$22,296,614
4	37	$106,074	$39,948	$66,126	$22,230,488
4	38	$106,074	$39,830	$66,244	$22,164,244
4	39	$106,074	$39,711	$66,363	$22,097,881
4	40	$106,074	$39,592	$66,482	$22,031,399
4	41	$106,074	$39,473	$66,601	$21,964,798
4	42	$106,074	$39,354	$66,720	$21,898,078
4	43	$106,074	$39,234	$66,840	$21,831,238
4	44	$106,074	$39,114	$66,960	$21,764,278
4	45	$106,074	$38,994	$67,080	$21,697,199
4	46	$106,074	$38,874	$67,200	$21,629,999
4	47	$106,074	$38,754	$67,320	$21,562,679
4	48	$106,074	$38,633	$67,441	$21,495,238
5	49	$106,074	$38,512	$67,562	$21,427,676
5	50	$106,074	$38,391	$67,683	$21,359,994
5	51	$106,074	$38,270	$67,804	$21,292,190
5	52	$106,074	$38,149	$67,925	$21,224,264
5	53	$106,074	$38,027	$68,047	$21,156,217
5	54	$106,074	$37,905	$68,169	$21,088,048
5	55	$106,074	$37,783	$68,291	$21,019,757
5	56	$106,074	$37,660	$68,414	$20,951,343
5	57	$106,074	$37,538	$68,536	$20,882,807
5	58	$106,074	$37,415	$68,659	$20,814,148
5	59	$106,074	$37,292	$68,782	$20,745,366
5	60	$106,074	$37,169	$68,905	$20,676,461
6	61	$106,074	$37,045	$69,029	$20,607,432
6	62	$106,074	$36,922	$69,152	$20,538,280
6	63	$106,074	$36,798	$69,276	$20,469,004
6	64	$106,074	$36,674	$69,400	$20,399,604
6	65	$106,074	$36,549	$69,525	$20,330,079
6	66	$106,074	$36,425	$69,649	$20,260,430
6	67	$106,074	$36,300	$69,774	$20,190,656
6	68	$106,074	$36,175	$69,899	$20,120,757
6	69	$106,074	$36,050	$70,024	$20,050,733
6	70	$106,074	$35,924	$70,150	$19,980,583
6	71	$106,074	$35,799	$70,275	$19,910,307
6	72	$106,074	$35,673	$70,401	$19,839,906
7	73	$106,074	$35,546	$70,527	$19,769,379
7	74	$106,074	$35,420	$70,654	$19,698,725
7	75	$106,074	$35,294	$70,780	$19,627,944
7	76	$106,074	$35,167	$70,907	$19,557,037
7	77	$106,074	$35,040	$71,034	$19,486,003
7	78	$106,074	$34,912	$71,162	$19,414,841
7	79	$106,074	$34,785	$71,289	$19,343,552
7	80	$106,074	$34,657	$71,417	$19,272,136
7	81	$106,074	$34,529	$71,545	$19,200,591
7	82	$106,074	$34,401	$71,673	$19,128,918
7	83	$106,074	$34,273	$71,801	$19,057,117
7	84	$106,074	$34,144	$71,930	$18,985,187
8	85	$106,074	$34,015	$72,059	$18,913,128
8	86	$106,074	$33,886	$72,188	$18,840,940
8	87	$106,074	$33,757	$72,317	$18,768,623
8	88	$106,074	$33,627	$72,447	$18,696,176
8	89	$106,074	$33,497	$72,577	$18,623,599
8	90	$106,074	$33,367	$72,707	$18,550,893
8	91	$106,074	$33,237	$72,837	$18,478,056
8	92	$106,074	$33,107	$72,967	$18,405,088
8	93	$106,074	$32,976	$73,098	$18,331,990
8	94	$106,074	$32,845	$73,229	$18,258,761
8	95	$106,074	$32,714	$73,360	$18,185,401
8	96	$106,074	$32,582	$73,492	$18,111,909
9	97	$106,074	$32,451	$73,623	$18,038,285
9	98	$106,074	$32,319	$73,755	$17,964,530
9	99	$106,074	$32,186	$73,887	$17,890,643
9	100	$106,074	$32,054	$74,020	$17,816,623
9	101	$106,074	$31,921	$74,152	$17,742,470
9	102	$106,074	$31,789	$74,285	$17,668,185
9	103	$106,074	$31,655	$74,418	$17,593,766
9	104	$106,074	$31,522	$74,552	$17,519,215
9	105	$106,074	$31,389	$74,685	$17,444,529
9	106	$106,074	$31,255	$74,819	$17,369,710
9	107	$106,074	$31,121	$74,953	$17,294,757
9	108	$106,074	$30,986	$75,088	$17,219,669
10	109	$106,074	$30,852	$75,222	$17,144,447
10	110	$106,074	$30,717	$75,357	$17,069,091
10	111	$106,074	$30,582	$75,492	$16,993,599
10	112	$106,074	$30,447	$75,627	$16,917,972
10	113	$106,074	$30,311	$75,763	$16,842,209
10	114	$106,074	$30,176	$75,898	$16,766,311
10	115	$106,074	$30,040	$76,034	$16,690,276
10	116	$106,074	$29,903	$76,171	$16,614,106
10	117	$106,074	$29,767	$76,307	$16,537,799
10	118	$106,074	$29,630	$76,444	$16,461,355
10	119	$106,074	$29,493	$76,581	$16,384,774
10	120	$106,074	$29,356	$76,718	$16,308,057
11	121	$106,074	$29,219	$76,855	$16,231,201
11	122	$106,074	$29,081	$76,993	$16,154,208
11	123	$106,074	$28,943	$77,131	$16,077,077
11	124	$106,074	$28,805	$77,269	$15,999,808
11	125	$106,074	$28,666	$77,408	$15,922,400
11	126	$106,074	$28,528	$77,546	$15,844,854
11	127	$106,074	$28,389	$77,685	$15,767,169
11	128	$106,074	$28,250	$77,824	$15,689,344
11	129	$106,074	$28,110	$77,964	$15,611,381
11	130	$106,074	$27,970	$78,104	$15,533,277
11	131	$106,074	$27,830	$78,243	$15,455,033
11	132	$106,074	$27,690	$78,384	$15,376,650
12	133	$106,074	$27,550	$78,524	$15,298,126
12	134	$106,074	$27,409	$78,665	$15,219,461
12	135	$106,074	$27,268	$78,806	$15,140,655
12	136	$106,074	$27,127	$78,947	$15,061,708
12	137	$106,074	$26,986	$79,088	$14,982,620
12	138	$106,074	$26,844	$79,230	$14,903,390
12	139	$106,074	$26,702	$79,372	$14,824,018
12	140	$106,074	$26,560	$79,514	$14,744,503
12	141	$106,074	$26,417	$79,657	$14,664,847
12	142	$106,074	$26,275	$79,799	$14,585,047
12	143	$106,074	$26,132	$79,942	$14,505,105
12	144	$106,074	$25,988	$80,086	$14,425,019
13	145	$106,074	$25,845	$80,229	$14,344,790
13	146	$106,074	$25,701	$80,373	$14,264,417
13	147	$106,074	$25,557	$80,517	$14,183,900
13	148	$106,074	$25,413	$80,661	$14,103,239
13	149	$106,074	$25,268	$80,806	$14,022,434
13	150	$106,074	$25,124	$80,950	$13,941,483
13	151	$106,074	$24,978	$81,095	$13,860,388
13	152	$106,074	$24,833	$81,241	$13,779,147
13	153	$106,074	$24,688	$81,386	$13,697,761
13	154	$106,074	$24,542	$81,532	$13,616,229
13	155	$106,074	$24,396	$81,678	$13,534,550
13	156	$106,074	$24,249	$81,825	$13,452,726
14	157	$106,074	$24,103	$81,971	$13,370,755
14	158	$106,074	$23,956	$82,118	$13,288,637
14	159	$106,074	$23,809	$82,265	$13,206,372
14	160	$106,074	$23,661	$82,413	$13,123,959
14	161	$106,074	$23,514	$82,560	$13,041,399
14	162	$106,074	$23,366	$82,708	$12,958,691
14	163	$106,074	$23,218	$82,856	$12,875,834
14	164	$106,074	$23,069	$83,005	$12,792,830
14	165	$106,074	$22,920	$83,153	$12,709,676
14	166	$106,074	$22,772	$83,302	$12,626,374
14	167	$106,074	$22,622	$83,452	$12,542,922
14	168	$106,074	$22,473	$83,601	$12,459,321
15	169	$106,074	$22,323	$83,751	$12,375,570
15	170	$106,074	$22,173	$83,901	$12,291,669
15	171	$106,074	$22,023	$84,051	$12,207,617
15	172	$106,074	$21,872	$84,202	$12,123,415
15	173	$106,074	$21,721	$84,353	$12,039,063
15	174	$106,074	$21,570	$84,504	$11,954,559
15	175	$106,074	$21,419	$84,655	$11,869,903
15	176	$106,074	$21,267	$84,807	$11,785,096
15	177	$106,074	$21,115	$84,959	$11,700,137
15	178	$106,074	$20,963	$85,111	$11,615,026
15	179	$106,074	$20,810	$85,264	$11,529,762
15	180	$106,074	$20,657	$85,416	$11,444,346
16	181	$106,074	$20,504	$85,569	$11,358,776
16	182	$106,074	$20,351	$85,723	$11,273,054
16	183	$106,074	$20,198	$85,876	$11,187,177
16	184	$106,074	$20,044	$86,030	$11,101,147
16	185	$106,074	$19,890	$86,184	$11,014,963
16	186	$106,074	$19,735	$86,339	$10,928,624
16	187	$106,074	$19,580	$86,493	$10,842,130
16	188	$106,074	$19,425	$86,648	$10,755,482
16	189	$106,074	$19,270	$86,804	$10,668,678
16	190	$106,074	$19,115	$86,959	$10,581,719
16	191	$106,074	$18,959	$87,115	$10,494,604
16	192	$106,074	$18,803	$87,271	$10,407,333
17	193	$106,074	$18,646	$87,427	$10,319,905
17	194	$106,074	$18,490	$87,584	$10,232,321
17	195	$106,074	$18,333	$87,741	$10,144,580
17	196	$106,074	$18,176	$87,898	$10,056,682
17	197	$106,074	$18,018	$88,056	$9,968,626
17	198	$106,074	$17,860	$88,213	$9,880,413
17	199	$106,074	$17,702	$88,372	$9,792,041
17	200	$106,074	$17,544	$88,530	$9,703,511
17	201	$106,074	$17,385	$88,688	$9,614,823
17	202	$106,074	$17,227	$88,847	$9,525,975
17	203	$106,074	$17,067	$89,007	$9,436,969
17	204	$106,074	$16,908	$89,166	$9,347,803
18	205	$106,074	$16,748	$89,326	$9,258,477
18	206	$106,074	$16,588	$89,486	$9,168,991
18	207	$106,074	$16,428	$89,646	$9,079,345
18	208	$106,074	$16,267	$89,807	$8,989,538
18	209	$106,074	$16,106	$89,968	$8,899,570
18	210	$106,074	$15,945	$90,129	$8,809,442
18	211	$106,074	$15,784	$90,290	$8,719,151
18	212	$106,074	$15,622	$90,452	$8,628,699
18	213	$106,074	$15,460	$90,614	$8,538,085
18	214	$106,074	$15,297	$90,777	$8,447,308
18	215	$106,074	$15,135	$90,939	$8,356,369
18	216	$106,074	$14,972	$91,102	$8,265,267
19	217	$106,074	$14,809	$91,265	$8,174,002
19	218	$106,074	$14,645	$91,429	$8,082,573
19	219	$106,074	$14,481	$91,593	$7,990,980
19	220	$106,074	$14,317	$91,757	$7,899,223
19	221	$106,074	$14,153	$91,921	$7,807,302
19	222	$106,074	$13,988	$92,086	$7,715,216
19	223	$106,074	$13,823	$92,251	$7,622,966
19	224	$106,074	$13,658	$92,416	$7,530,549
19	225	$106,074	$13,492	$92,582	$7,437,968
19	226	$106,074	$13,326	$92,748	$7,345,220
19	227	$106,074	$13,160	$92,914	$7,252,306
19	228	$106,074	$12,994	$93,080	$7,159,226
20	229	$106,074	$12,827	$93,247	$7,065,979
20	230	$106,074	$12,660	$93,414	$6,972,565
20	231	$106,074	$12,493	$93,581	$6,878,984
20	232	$106,074	$12,325	$93,749	$6,785,234
20	233	$106,074	$12,157	$93,917	$6,691,317
20	234	$106,074	$11,989	$94,085	$6,597,232
20	235	$106,074	$11,820	$94,254	$6,502,978
20	236	$106,074	$11,651	$94,423	$6,408,555
20	237	$106,074	$11,482	$94,592	$6,313,963
20	238	$106,074	$11,313	$94,761	$6,219,202
20	239	$106,074	$11,143	$94,931	$6,124,271
20	240	$106,074	$10,973	$95,101	$6,029,170
21	241	$106,074	$10,802	$95,272	$5,933,898
21	242	$106,074	$10,632	$95,442	$5,838,455
21	243	$106,074	$10,461	$95,613	$5,742,842
21	244	$106,074	$10,289	$95,785	$5,647,057
21	245	$106,074	$10,118	$95,956	$5,551,101
21	246	$106,074	$9,946	$96,128	$5,454,973
21	247	$106,074	$9,773	$96,300	$5,358,672
21	248	$106,074	$9,601	$96,473	$5,262,199
21	249	$106,074	$9,428	$96,646	$5,165,554
21	250	$106,074	$9,255	$96,819	$5,068,735
21	251	$106,074	$9,081	$96,992	$4,971,742
21	252	$106,074	$8,908	$97,166	$4,874,576
22	253	$106,074	$8,734	$97,340	$4,777,236
22	254	$106,074	$8,559	$97,515	$4,679,721
22	255	$106,074	$8,384	$97,689	$4,582,031
22	256	$106,074	$8,209	$97,864	$4,484,167
22	257	$106,074	$8,034	$98,040	$4,386,127
22	258	$106,074	$7,858	$98,215	$4,287,912
22	259	$106,074	$7,683	$98,391	$4,189,520
22	260	$106,074	$7,506	$98,568	$4,090,952
22	261	$106,074	$7,330	$98,744	$3,992,208
22	262	$106,074	$7,153	$98,921	$3,893,287
22	263	$106,074	$6,975	$99,098	$3,794,188
22	264	$106,074	$6,798	$99,276	$3,694,912
23	265	$106,074	$6,620	$99,454	$3,595,458
23	266	$106,074	$6,442	$99,632	$3,495,826
23	267	$106,074	$6,263	$99,811	$3,396,016
23	268	$106,074	$6,085	$99,989	$3,296,026
23	269	$106,074	$5,905	$100,169	$3,195,858
23	270	$106,074	$5,726	$100,348	$3,095,510
23	271	$106,074	$5,546	$100,528	$2,994,982
23	272	$106,074	$5,366	$100,708	$2,894,274
23	273	$106,074	$5,186	$100,888	$2,793,386
23	274	$106,074	$5,005	$101,069	$2,692,317
23	275	$106,074	$4,824	$101,250	$2,591,066
23	276	$106,074	$4,642	$101,432	$2,489,635
24	277	$106,074	$4,461	$101,613	$2,388,021
24	278	$106,074	$4,279	$101,795	$2,286,226
24	279	$106,074	$4,096	$101,978	$2,184,248
24	280	$106,074	$3,913	$102,161	$2,082,088
24	281	$106,074	$3,730	$102,344	$1,979,744
24	282	$106,074	$3,547	$102,527	$1,877,217
24	283	$106,074	$3,363	$102,711	$1,774,507
24	284	$106,074	$3,179	$102,895	$1,671,612
24	285	$106,074	$2,995	$103,079	$1,568,533
24	286	$106,074	$2,810	$103,264	$1,465,269
24	287	$106,074	$2,625	$103,449	$1,361,821
24	288	$106,074	$2,440	$103,634	$1,258,187
25	289	$106,074	$2,254	$103,820	$1,154,367
25	290	$106,074	$2,068	$104,006	$1,050,361
25	291	$106,074	$1,882	$104,192	$946,169
25	292	$106,074	$1,695	$104,379	$841,790
25	293	$106,074	$1,508	$104,566	$737,225
25	294	$106,074	$1,321	$104,753	$632,472
25	295	$106,074	$1,133	$104,941	$527,531
25	296	$106,074	$945	$105,129	$422,402
25	297	$106,074	$757	$105,317	$317,085
25	298	$106,074	$568	$105,506	$211,579
25	299	$106,074	$379	$105,695	$105,884
25	300	$106,074	$190	$105,884	$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$ 16,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 16,810,000

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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.