Century 21 Centaland Property

Down Payment (HKD)

$13,600,000

Monthly Repayment (HKD)

$87,964

Loan Amount (HKD)

$20,400,000

Total Interest (HKD)

$5,989,128

Total Repayment (HKD)

$26,389,128

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$87,964	$36,550	$51,414	$20,348,586
1	2	$87,964	$36,458	$51,506	$20,297,080
1	3	$87,964	$36,366	$51,598	$20,245,482
1	4	$87,964	$36,273	$51,691	$20,193,792
1	5	$87,964	$36,181	$51,783	$20,142,008
1	6	$87,964	$36,088	$51,876	$20,090,132
1	7	$87,964	$35,995	$51,969	$20,038,163
1	8	$87,964	$35,902	$52,062	$19,986,101
1	9	$87,964	$35,808	$52,155	$19,933,946
1	10	$87,964	$35,715	$52,249	$19,881,697
1	11	$87,964	$35,621	$52,342	$19,829,355
1	12	$87,964	$35,528	$52,436	$19,776,919
2	13	$87,964	$35,434	$52,530	$19,724,389
2	14	$87,964	$35,340	$52,624	$19,671,764
2	15	$87,964	$35,245	$52,719	$19,619,046
2	16	$87,964	$35,151	$52,813	$19,566,233
2	17	$87,964	$35,056	$52,908	$19,513,325
2	18	$87,964	$34,961	$53,002	$19,460,323
2	19	$87,964	$34,866	$53,097	$19,407,226
2	20	$87,964	$34,771	$53,192	$19,354,033
2	21	$87,964	$34,676	$53,288	$19,300,745
2	22	$87,964	$34,581	$53,383	$19,247,362
2	23	$87,964	$34,485	$53,479	$19,193,883
2	24	$87,964	$34,389	$53,575	$19,140,308
3	25	$87,964	$34,293	$53,671	$19,086,638
3	26	$87,964	$34,197	$53,767	$19,032,871
3	27	$87,964	$34,101	$53,863	$18,979,008
3	28	$87,964	$34,004	$53,960	$18,925,048
3	29	$87,964	$33,907	$54,056	$18,870,992
3	30	$87,964	$33,811	$54,153	$18,816,838
3	31	$87,964	$33,714	$54,250	$18,762,588
3	32	$87,964	$33,616	$54,347	$18,708,241
3	33	$87,964	$33,519	$54,445	$18,653,796
3	34	$87,964	$33,421	$54,542	$18,599,253
3	35	$87,964	$33,324	$54,640	$18,544,613
3	36	$87,964	$33,226	$54,738	$18,489,875
4	37	$87,964	$33,128	$54,836	$18,435,039
4	38	$87,964	$33,029	$54,934	$18,380,105
4	39	$87,964	$32,931	$55,033	$18,325,072
4	40	$87,964	$32,832	$55,131	$18,269,941
4	41	$87,964	$32,734	$55,230	$18,214,711
4	42	$87,964	$32,635	$55,329	$18,159,382
4	43	$87,964	$32,536	$55,428	$18,103,953
4	44	$87,964	$32,436	$55,528	$18,048,426
4	45	$87,964	$32,337	$55,627	$17,992,799
4	46	$87,964	$32,237	$55,727	$17,937,072
4	47	$87,964	$32,137	$55,827	$17,881,246
4	48	$87,964	$32,037	$55,927	$17,825,319
5	49	$87,964	$31,937	$56,027	$17,769,293
5	50	$87,964	$31,837	$56,127	$17,713,165
5	51	$87,964	$31,736	$56,228	$17,656,938
5	52	$87,964	$31,635	$56,328	$17,600,609
5	53	$87,964	$31,534	$56,429	$17,544,180
5	54	$87,964	$31,433	$56,530	$17,487,650
5	55	$87,964	$31,332	$56,632	$17,431,018
5	56	$87,964	$31,231	$56,733	$17,374,285
5	57	$87,964	$31,129	$56,835	$17,317,450
5	58	$87,964	$31,027	$56,937	$17,260,513
5	59	$87,964	$30,925	$57,039	$17,203,474
5	60	$87,964	$30,823	$57,141	$17,146,334
6	61	$87,964	$30,721	$57,243	$17,089,090
6	62	$87,964	$30,618	$57,346	$17,031,745
6	63	$87,964	$30,515	$57,449	$16,974,296
6	64	$87,964	$30,412	$57,551	$16,916,745
6	65	$87,964	$30,309	$57,655	$16,859,090
6	66	$87,964	$30,206	$57,758	$16,801,332
6	67	$87,964	$30,102	$57,861	$16,743,471
6	68	$87,964	$29,999	$57,965	$16,685,506
6	69	$87,964	$29,895	$58,069	$16,627,437
6	70	$87,964	$29,791	$58,173	$16,569,264
6	71	$87,964	$29,687	$58,277	$16,510,987
6	72	$87,964	$29,582	$58,382	$16,452,605
7	73	$87,964	$29,478	$58,486	$16,394,119
7	74	$87,964	$29,373	$58,591	$16,335,528
7	75	$87,964	$29,268	$58,696	$16,276,832
7	76	$87,964	$29,163	$58,801	$16,218,031
7	77	$87,964	$29,057	$58,906	$16,159,124
7	78	$87,964	$28,952	$59,012	$16,100,112
7	79	$87,964	$28,846	$59,118	$16,040,995
7	80	$87,964	$28,740	$59,224	$15,981,771
7	81	$87,964	$28,634	$59,330	$15,922,441
7	82	$87,964	$28,528	$59,436	$15,863,005
7	83	$87,964	$28,421	$59,543	$15,803,463
7	84	$87,964	$28,315	$59,649	$15,743,813
8	85	$87,964	$28,208	$59,756	$15,684,057
8	86	$87,964	$28,101	$59,863	$15,624,194
8	87	$87,964	$27,993	$59,970	$15,564,224
8	88	$87,964	$27,886	$60,078	$15,504,146
8	89	$87,964	$27,778	$60,185	$15,443,960
8	90	$87,964	$27,670	$60,293	$15,383,667
8	91	$87,964	$27,562	$60,401	$15,323,266
8	92	$87,964	$27,454	$60,510	$15,262,756
8	93	$87,964	$27,346	$60,618	$15,202,138
8	94	$87,964	$27,237	$60,727	$15,141,412
8	95	$87,964	$27,128	$60,835	$15,080,576
8	96	$87,964	$27,019	$60,944	$15,019,632
9	97	$87,964	$26,910	$61,054	$14,958,578
9	98	$87,964	$26,801	$61,163	$14,897,415
9	99	$87,964	$26,691	$61,273	$14,836,143
9	100	$87,964	$26,581	$61,382	$14,774,760
9	101	$87,964	$26,471	$61,492	$14,713,268
9	102	$87,964	$26,361	$61,602	$14,651,666
9	103	$87,964	$26,251	$61,713	$14,589,953
9	104	$87,964	$26,140	$61,823	$14,528,129
9	105	$87,964	$26,030	$61,934	$14,466,195
9	106	$87,964	$25,919	$62,045	$14,404,150
9	107	$87,964	$25,807	$62,156	$14,341,994
9	108	$87,964	$25,696	$62,268	$14,279,726
10	109	$87,964	$25,585	$62,379	$14,217,347
10	110	$87,964	$25,473	$62,491	$14,154,856
10	111	$87,964	$25,361	$62,603	$14,092,253
10	112	$87,964	$25,249	$62,715	$14,029,537
10	113	$87,964	$25,136	$62,828	$13,966,710
10	114	$87,964	$25,024	$62,940	$13,903,770
10	115	$87,964	$24,911	$63,053	$13,840,717
10	116	$87,964	$24,798	$63,166	$13,777,551
10	117	$87,964	$24,685	$63,279	$13,714,272
10	118	$87,964	$24,571	$63,392	$13,650,880
10	119	$87,964	$24,458	$63,506	$13,587,374
10	120	$87,964	$24,344	$63,620	$13,523,754
11	121	$87,964	$24,230	$63,734	$13,460,021
11	122	$87,964	$24,116	$63,848	$13,396,173
11	123	$87,964	$24,001	$63,962	$13,332,210
11	124	$87,964	$23,887	$64,077	$13,268,133
11	125	$87,964	$23,772	$64,192	$13,203,942
11	126	$87,964	$23,657	$64,307	$13,139,635
11	127	$87,964	$23,542	$64,422	$13,075,213
11	128	$87,964	$23,426	$64,537	$13,010,676
11	129	$87,964	$23,311	$64,653	$12,946,023
11	130	$87,964	$23,195	$64,769	$12,881,254
11	131	$87,964	$23,079	$64,885	$12,816,369
11	132	$87,964	$22,963	$65,001	$12,751,368
12	133	$87,964	$22,846	$65,118	$12,686,251
12	134	$87,964	$22,730	$65,234	$12,621,016
12	135	$87,964	$22,613	$65,351	$12,555,665
12	136	$87,964	$22,496	$65,468	$12,490,197
12	137	$87,964	$22,378	$65,585	$12,424,612
12	138	$87,964	$22,261	$65,703	$12,358,909
12	139	$87,964	$22,143	$65,821	$12,293,088
12	140	$87,964	$22,025	$65,939	$12,227,149
12	141	$87,964	$21,907	$66,057	$12,161,092
12	142	$87,964	$21,789	$66,175	$12,094,917
12	143	$87,964	$21,670	$66,294	$12,028,624
12	144	$87,964	$21,551	$66,412	$11,962,211
13	145	$87,964	$21,432	$66,531	$11,895,680
13	146	$87,964	$21,313	$66,651	$11,829,029
13	147	$87,964	$21,194	$66,770	$11,762,259
13	148	$87,964	$21,074	$66,890	$11,695,369
13	149	$87,964	$20,954	$67,010	$11,628,360
13	150	$87,964	$20,834	$67,130	$11,561,230
13	151	$87,964	$20,714	$67,250	$11,493,980
13	152	$87,964	$20,593	$67,370	$11,426,610
13	153	$87,964	$20,473	$67,491	$11,359,119
13	154	$87,964	$20,352	$67,612	$11,291,507
13	155	$87,964	$20,231	$67,733	$11,223,773
13	156	$87,964	$20,109	$67,854	$11,155,919
14	157	$87,964	$19,988	$67,976	$11,087,943
14	158	$87,964	$19,866	$68,098	$11,019,845
14	159	$87,964	$19,744	$68,220	$10,951,625
14	160	$87,964	$19,622	$68,342	$10,883,283
14	161	$87,964	$19,499	$68,465	$10,814,819
14	162	$87,964	$19,377	$68,587	$10,746,231
14	163	$87,964	$19,254	$68,710	$10,677,521
14	164	$87,964	$19,131	$68,833	$10,608,688
14	165	$87,964	$19,007	$68,957	$10,539,732
14	166	$87,964	$18,884	$69,080	$10,470,651
14	167	$87,964	$18,760	$69,204	$10,401,448
14	168	$87,964	$18,636	$69,328	$10,332,120
15	169	$87,964	$18,512	$69,452	$10,262,668
15	170	$87,964	$18,387	$69,576	$10,193,091
15	171	$87,964	$18,263	$69,701	$10,123,390
15	172	$87,964	$18,138	$69,826	$10,053,564
15	173	$87,964	$18,013	$69,951	$9,983,613
15	174	$87,964	$17,887	$70,076	$9,913,536
15	175	$87,964	$17,762	$70,202	$9,843,334
15	176	$87,964	$17,636	$70,328	$9,773,007
15	177	$87,964	$17,510	$70,454	$9,702,553
15	178	$87,964	$17,384	$70,580	$9,631,973
15	179	$87,964	$17,257	$70,706	$9,561,266
15	180	$87,964	$17,131	$70,833	$9,490,433
16	181	$87,964	$17,004	$70,960	$9,419,473
16	182	$87,964	$16,877	$71,087	$9,348,386
16	183	$87,964	$16,749	$71,215	$9,277,171
16	184	$87,964	$16,622	$71,342	$9,205,829
16	185	$87,964	$16,494	$71,470	$9,134,359
16	186	$87,964	$16,366	$71,598	$9,062,761
16	187	$87,964	$16,237	$71,726	$8,991,035
16	188	$87,964	$16,109	$71,855	$8,919,180
16	189	$87,964	$15,980	$71,984	$8,847,197
16	190	$87,964	$15,851	$72,113	$8,775,084
16	191	$87,964	$15,722	$72,242	$8,702,842
16	192	$87,964	$15,593	$72,371	$8,630,471
17	193	$87,964	$15,463	$72,501	$8,557,970
17	194	$87,964	$15,333	$72,631	$8,485,340
17	195	$87,964	$15,203	$72,761	$8,412,579
17	196	$87,964	$15,073	$72,891	$8,339,687
17	197	$87,964	$14,942	$73,022	$8,266,666
17	198	$87,964	$14,811	$73,153	$8,193,513
17	199	$87,964	$14,680	$73,284	$8,120,229
17	200	$87,964	$14,549	$73,415	$8,046,814
17	201	$87,964	$14,417	$73,547	$7,973,268
17	202	$87,964	$14,285	$73,678	$7,899,589
17	203	$87,964	$14,153	$73,810	$7,825,779
17	204	$87,964	$14,021	$73,943	$7,751,836
18	205	$87,964	$13,889	$74,075	$7,677,761
18	206	$87,964	$13,756	$74,208	$7,603,554
18	207	$87,964	$13,623	$74,341	$7,529,213
18	208	$87,964	$13,490	$74,474	$7,454,739
18	209	$87,964	$13,356	$74,607	$7,380,132
18	210	$87,964	$13,223	$74,741	$7,305,391
18	211	$87,964	$13,089	$74,875	$7,230,516
18	212	$87,964	$12,955	$75,009	$7,155,507
18	213	$87,964	$12,820	$75,143	$7,080,363
18	214	$87,964	$12,686	$75,278	$7,005,085
18	215	$87,964	$12,551	$75,413	$6,929,672
18	216	$87,964	$12,416	$75,548	$6,854,124
19	217	$87,964	$12,280	$75,683	$6,778,440
19	218	$87,964	$12,145	$75,819	$6,702,621
19	219	$87,964	$12,009	$75,955	$6,626,666
19	220	$87,964	$11,873	$76,091	$6,550,576
19	221	$87,964	$11,736	$76,227	$6,474,348
19	222	$87,964	$11,600	$76,364	$6,397,984
19	223	$87,964	$11,463	$76,501	$6,321,484
19	224	$87,964	$11,326	$76,638	$6,244,846
19	225	$87,964	$11,189	$76,775	$6,168,071
19	226	$87,964	$11,051	$76,913	$6,091,158
19	227	$87,964	$10,913	$77,050	$6,014,108
19	228	$87,964	$10,775	$77,188	$5,936,919
20	229	$87,964	$10,637	$77,327	$5,859,592
20	230	$87,964	$10,498	$77,465	$5,782,127
20	231	$87,964	$10,360	$77,604	$5,704,523
20	232	$87,964	$10,221	$77,743	$5,626,780
20	233	$87,964	$10,081	$77,882	$5,548,897
20	234	$87,964	$9,942	$78,022	$5,470,875
20	235	$87,964	$9,802	$78,162	$5,392,714
20	236	$87,964	$9,662	$78,302	$5,314,412
20	237	$87,964	$9,522	$78,442	$5,235,970
20	238	$87,964	$9,381	$78,583	$5,157,387
20	239	$87,964	$9,240	$78,723	$5,078,664
20	240	$87,964	$9,099	$78,864	$4,999,799
21	241	$87,964	$8,958	$79,006	$4,920,793
21	242	$87,964	$8,816	$79,147	$4,841,646
21	243	$87,964	$8,675	$79,289	$4,762,357
21	244	$87,964	$8,533	$79,431	$4,682,926
21	245	$87,964	$8,390	$79,574	$4,603,352
21	246	$87,964	$8,248	$79,716	$4,523,636
21	247	$87,964	$8,105	$79,859	$4,443,777
21	248	$87,964	$7,962	$80,002	$4,363,775
21	249	$87,964	$7,818	$80,145	$4,283,630
21	250	$87,964	$7,675	$80,289	$4,203,341
21	251	$87,964	$7,531	$80,433	$4,122,908
21	252	$87,964	$7,387	$80,577	$4,042,331
22	253	$87,964	$7,243	$80,721	$3,961,610
22	254	$87,964	$7,098	$80,866	$3,880,744
22	255	$87,964	$6,953	$81,011	$3,799,733
22	256	$87,964	$6,808	$81,156	$3,718,577
22	257	$87,964	$6,662	$81,301	$3,637,276
22	258	$87,964	$6,517	$81,447	$3,555,829
22	259	$87,964	$6,371	$81,593	$3,474,236
22	260	$87,964	$6,225	$81,739	$3,392,497
22	261	$87,964	$6,078	$81,886	$3,310,612
22	262	$87,964	$5,932	$82,032	$3,228,579
22	263	$87,964	$5,785	$82,179	$3,146,400
22	264	$87,964	$5,637	$82,326	$3,064,074
23	265	$87,964	$5,490	$82,474	$2,981,600
23	266	$87,964	$5,342	$82,622	$2,898,978
23	267	$87,964	$5,194	$82,770	$2,816,208
23	268	$87,964	$5,046	$82,918	$2,733,290
23	269	$87,964	$4,897	$83,067	$2,650,224
23	270	$87,964	$4,748	$83,215	$2,567,008
23	271	$87,964	$4,599	$83,365	$2,483,644
23	272	$87,964	$4,450	$83,514	$2,400,130
23	273	$87,964	$4,300	$83,664	$2,316,466
23	274	$87,964	$4,150	$83,813	$2,232,653
23	275	$87,964	$4,000	$83,964	$2,148,689
23	276	$87,964	$3,850	$84,114	$2,064,575
24	277	$87,964	$3,699	$84,265	$1,980,310
24	278	$87,964	$3,548	$84,416	$1,895,895
24	279	$87,964	$3,397	$84,567	$1,811,328
24	280	$87,964	$3,245	$84,718	$1,726,609
24	281	$87,964	$3,094	$84,870	$1,641,739
24	282	$87,964	$2,941	$85,022	$1,556,717
24	283	$87,964	$2,789	$85,175	$1,471,542
24	284	$87,964	$2,637	$85,327	$1,386,215
24	285	$87,964	$2,484	$85,480	$1,300,735
24	286	$87,964	$2,330	$85,633	$1,215,101
24	287	$87,964	$2,177	$85,787	$1,129,315
24	288	$87,964	$2,023	$85,940	$1,043,374
25	289	$87,964	$1,869	$86,094	$957,280
25	290	$87,964	$1,715	$86,249	$871,031
25	291	$87,964	$1,561	$86,403	$784,628
25	292	$87,964	$1,406	$86,558	$698,070
25	293	$87,964	$1,251	$86,713	$611,357
25	294	$87,964	$1,095	$86,868	$524,489
25	295	$87,964	$940	$87,024	$437,465
25	296	$87,964	$784	$87,180	$350,285
25	297	$87,964	$628	$87,336	$262,948
25	298	$87,964	$471	$87,493	$175,456
25	299	$87,964	$314	$87,649	$87,806
25	300	$87,964	$157	$87,806	$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$ 13,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 13,940,000

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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.