Century 21 Centaland Property

Down Payment (HKD)

$15,560,000

Monthly Repayment (HKD)

$100,641

Loan Amount (HKD)

$23,340,000

Total Interest (HKD)

$6,852,267

Total Repayment (HKD)

$30,192,267

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$100,641	$41,818	$58,823	$23,281,177
1	2	$100,641	$41,712	$58,929	$23,222,248
1	3	$100,641	$41,607	$59,034	$23,163,213
1	4	$100,641	$41,501	$59,140	$23,104,073
1	5	$100,641	$41,395	$59,246	$23,044,827
1	6	$100,641	$41,289	$59,352	$22,985,475
1	7	$100,641	$41,182	$59,459	$22,926,016
1	8	$100,641	$41,076	$59,565	$22,866,451
1	9	$100,641	$40,969	$59,672	$22,806,779
1	10	$100,641	$40,862	$59,779	$22,747,001
1	11	$100,641	$40,755	$59,886	$22,687,115
1	12	$100,641	$40,648	$59,993	$22,627,122
2	13	$100,641	$40,540	$60,101	$22,567,021
2	14	$100,641	$40,433	$60,208	$22,506,813
2	15	$100,641	$40,325	$60,316	$22,446,497
2	16	$100,641	$40,217	$60,424	$22,386,072
2	17	$100,641	$40,108	$60,533	$22,325,540
2	18	$100,641	$40,000	$60,641	$22,264,899
2	19	$100,641	$39,891	$60,750	$22,204,149
2	20	$100,641	$39,782	$60,858	$22,143,291
2	21	$100,641	$39,673	$60,967	$22,082,323
2	22	$100,641	$39,564	$61,077	$22,021,247
2	23	$100,641	$39,455	$61,186	$21,960,060
2	24	$100,641	$39,345	$61,296	$21,898,765
3	25	$100,641	$39,235	$61,406	$21,837,359
3	26	$100,641	$39,125	$61,516	$21,775,843
3	27	$100,641	$39,015	$61,626	$21,714,218
3	28	$100,641	$38,905	$61,736	$21,652,481
3	29	$100,641	$38,794	$61,847	$21,590,634
3	30	$100,641	$38,683	$61,958	$21,528,677
3	31	$100,641	$38,572	$62,069	$21,466,608
3	32	$100,641	$38,461	$62,180	$21,404,428
3	33	$100,641	$38,350	$62,291	$21,342,137
3	34	$100,641	$38,238	$62,403	$21,279,734
3	35	$100,641	$38,126	$62,515	$21,217,219
3	36	$100,641	$38,014	$62,627	$21,154,593
4	37	$100,641	$37,902	$62,739	$21,091,854
4	38	$100,641	$37,790	$62,851	$21,029,002
4	39	$100,641	$37,677	$62,964	$20,966,038
4	40	$100,641	$37,564	$63,077	$20,902,962
4	41	$100,641	$37,451	$63,190	$20,839,772
4	42	$100,641	$37,338	$63,303	$20,776,469
4	43	$100,641	$37,225	$63,416	$20,713,053
4	44	$100,641	$37,111	$63,530	$20,649,523
4	45	$100,641	$36,997	$63,644	$20,585,879
4	46	$100,641	$36,883	$63,758	$20,522,121
4	47	$100,641	$36,769	$63,872	$20,458,249
4	48	$100,641	$36,654	$63,987	$20,394,262
5	49	$100,641	$36,540	$64,101	$20,330,161
5	50	$100,641	$36,425	$64,216	$20,265,945
5	51	$100,641	$36,310	$64,331	$20,201,614
5	52	$100,641	$36,195	$64,446	$20,137,168
5	53	$100,641	$36,079	$64,562	$20,072,606
5	54	$100,641	$35,963	$64,677	$20,007,928
5	55	$100,641	$35,848	$64,793	$19,943,135
5	56	$100,641	$35,731	$64,909	$19,878,226
5	57	$100,641	$35,615	$65,026	$19,813,200
5	58	$100,641	$35,499	$65,142	$19,748,058
5	59	$100,641	$35,382	$65,259	$19,682,799
5	60	$100,641	$35,265	$65,376	$19,617,423
6	61	$100,641	$35,148	$65,493	$19,551,930
6	62	$100,641	$35,031	$65,610	$19,486,319
6	63	$100,641	$34,913	$65,728	$19,420,592
6	64	$100,641	$34,795	$65,846	$19,354,746
6	65	$100,641	$34,677	$65,964	$19,288,782
6	66	$100,641	$34,559	$66,082	$19,222,700
6	67	$100,641	$34,441	$66,200	$19,156,500
6	68	$100,641	$34,322	$66,319	$19,090,181
6	69	$100,641	$34,203	$66,438	$19,023,744
6	70	$100,641	$34,084	$66,557	$18,957,187
6	71	$100,641	$33,965	$66,676	$18,890,511
6	72	$100,641	$33,845	$66,795	$18,823,716
7	73	$100,641	$33,726	$66,915	$18,756,801
7	74	$100,641	$33,606	$67,035	$18,689,766
7	75	$100,641	$33,486	$67,155	$18,622,611
7	76	$100,641	$33,366	$67,275	$18,555,335
7	77	$100,641	$33,245	$67,396	$18,487,939
7	78	$100,641	$33,124	$67,517	$18,420,423
7	79	$100,641	$33,003	$67,638	$18,352,785
7	80	$100,641	$32,882	$67,759	$18,285,026
7	81	$100,641	$32,761	$67,880	$18,217,146
7	82	$100,641	$32,639	$68,002	$18,149,144
7	83	$100,641	$32,517	$68,124	$18,081,021
7	84	$100,641	$32,395	$68,246	$18,012,775
8	85	$100,641	$32,273	$68,368	$17,944,407
8	86	$100,641	$32,150	$68,490	$17,875,916
8	87	$100,641	$32,028	$68,613	$17,807,303
8	88	$100,641	$31,905	$68,736	$17,738,567
8	89	$100,641	$31,782	$68,859	$17,669,708
8	90	$100,641	$31,658	$68,983	$17,600,725
8	91	$100,641	$31,535	$69,106	$17,531,619
8	92	$100,641	$31,411	$69,230	$17,462,389
8	93	$100,641	$31,287	$69,354	$17,393,035
8	94	$100,641	$31,163	$69,478	$17,323,556
8	95	$100,641	$31,038	$69,603	$17,253,953
8	96	$100,641	$30,913	$69,728	$17,184,226
9	97	$100,641	$30,788	$69,852	$17,114,373
9	98	$100,641	$30,663	$69,978	$17,044,396
9	99	$100,641	$30,538	$70,103	$16,974,293
9	100	$100,641	$30,412	$70,229	$16,904,064
9	101	$100,641	$30,286	$70,354	$16,833,710
9	102	$100,641	$30,160	$70,480	$16,763,229
9	103	$100,641	$30,034	$70,607	$16,692,622
9	104	$100,641	$29,908	$70,733	$16,621,889
9	105	$100,641	$29,781	$70,860	$16,551,029
9	106	$100,641	$29,654	$70,987	$16,480,042
9	107	$100,641	$29,527	$71,114	$16,408,928
9	108	$100,641	$29,399	$71,242	$16,337,686
10	109	$100,641	$29,272	$71,369	$16,266,317
10	110	$100,641	$29,144	$71,497	$16,194,820
10	111	$100,641	$29,016	$71,625	$16,123,195
10	112	$100,641	$28,887	$71,754	$16,051,441
10	113	$100,641	$28,759	$71,882	$15,979,559
10	114	$100,641	$28,630	$72,011	$15,907,548
10	115	$100,641	$28,501	$72,140	$15,835,409
10	116	$100,641	$28,372	$72,269	$15,763,140
10	117	$100,641	$28,242	$72,399	$15,690,741
10	118	$100,641	$28,113	$72,528	$15,618,213
10	119	$100,641	$27,983	$72,658	$15,545,554
10	120	$100,641	$27,852	$72,788	$15,472,766
11	121	$100,641	$27,722	$72,919	$15,399,847
11	122	$100,641	$27,591	$73,049	$15,326,798
11	123	$100,641	$27,461	$73,180	$15,253,617
11	124	$100,641	$27,329	$73,311	$15,180,306
11	125	$100,641	$27,198	$73,443	$15,106,863
11	126	$100,641	$27,066	$73,574	$15,033,288
11	127	$100,641	$26,935	$73,706	$14,959,582
11	128	$100,641	$26,803	$73,838	$14,885,744
11	129	$100,641	$26,670	$73,971	$14,811,773
11	130	$100,641	$26,538	$74,103	$14,737,670
11	131	$100,641	$26,405	$74,236	$14,663,434
11	132	$100,641	$26,272	$74,369	$14,589,065
12	133	$100,641	$26,139	$74,502	$14,514,563
12	134	$100,641	$26,005	$74,636	$14,439,928
12	135	$100,641	$25,872	$74,769	$14,365,158
12	136	$100,641	$25,738	$74,903	$14,290,255
12	137	$100,641	$25,603	$75,038	$14,215,217
12	138	$100,641	$25,469	$75,172	$14,140,045
12	139	$100,641	$25,334	$75,307	$14,064,739
12	140	$100,641	$25,199	$75,442	$13,989,297
12	141	$100,641	$25,064	$75,577	$13,913,720
12	142	$100,641	$24,929	$75,712	$13,838,008
12	143	$100,641	$24,793	$75,848	$13,762,161
12	144	$100,641	$24,657	$75,984	$13,686,177
13	145	$100,641	$24,521	$76,120	$13,610,057
13	146	$100,641	$24,385	$76,256	$13,533,801
13	147	$100,641	$24,248	$76,393	$13,457,408
13	148	$100,641	$24,111	$76,530	$13,380,878
13	149	$100,641	$23,974	$76,667	$13,304,211
13	150	$100,641	$23,837	$76,804	$13,227,407
13	151	$100,641	$23,699	$76,942	$13,150,465
13	152	$100,641	$23,561	$77,080	$13,073,386
13	153	$100,641	$23,423	$77,218	$12,996,168
13	154	$100,641	$23,285	$77,356	$12,918,812
13	155	$100,641	$23,146	$77,495	$12,841,317
13	156	$100,641	$23,007	$77,634	$12,763,684
14	157	$100,641	$22,868	$77,773	$12,685,911
14	158	$100,641	$22,729	$77,912	$12,607,999
14	159	$100,641	$22,589	$78,052	$12,529,948
14	160	$100,641	$22,449	$78,191	$12,451,756
14	161	$100,641	$22,309	$78,331	$12,373,425
14	162	$100,641	$22,169	$78,472	$12,294,953
14	163	$100,641	$22,028	$78,612	$12,216,340
14	164	$100,641	$21,888	$78,753	$12,137,587
14	165	$100,641	$21,747	$78,894	$12,058,693
14	166	$100,641	$21,605	$79,036	$11,979,657
14	167	$100,641	$21,464	$79,177	$11,900,480
14	168	$100,641	$21,322	$79,319	$11,821,161
15	169	$100,641	$21,180	$79,461	$11,741,699
15	170	$100,641	$21,037	$79,604	$11,662,096
15	171	$100,641	$20,895	$79,746	$11,582,349
15	172	$100,641	$20,752	$79,889	$11,502,460
15	173	$100,641	$20,609	$80,032	$11,422,428
15	174	$100,641	$20,465	$80,176	$11,342,252
15	175	$100,641	$20,322	$80,319	$11,261,933
15	176	$100,641	$20,178	$80,463	$11,181,469
15	177	$100,641	$20,033	$80,607	$11,100,862
15	178	$100,641	$19,889	$80,752	$11,020,110
15	179	$100,641	$19,744	$80,897	$10,939,214
15	180	$100,641	$19,599	$81,041	$10,858,172
16	181	$100,641	$19,454	$81,187	$10,776,985
16	182	$100,641	$19,309	$81,332	$10,695,653
16	183	$100,641	$19,163	$81,478	$10,614,176
16	184	$100,641	$19,017	$81,624	$10,532,552
16	185	$100,641	$18,871	$81,770	$10,450,782
16	186	$100,641	$18,724	$81,917	$10,368,865
16	187	$100,641	$18,578	$82,063	$10,286,802
16	188	$100,641	$18,431	$82,210	$10,204,591
16	189	$100,641	$18,283	$82,358	$10,122,234
16	190	$100,641	$18,136	$82,505	$10,039,728
16	191	$100,641	$17,988	$82,653	$9,957,075
16	192	$100,641	$17,840	$82,801	$9,874,274
17	193	$100,641	$17,691	$82,949	$9,791,325
17	194	$100,641	$17,543	$83,098	$9,708,227
17	195	$100,641	$17,394	$83,247	$9,624,980
17	196	$100,641	$17,245	$83,396	$9,541,584
17	197	$100,641	$17,095	$83,546	$9,458,038
17	198	$100,641	$16,946	$83,695	$9,374,343
17	199	$100,641	$16,796	$83,845	$9,290,498
17	200	$100,641	$16,645	$83,995	$9,206,502
17	201	$100,641	$16,495	$84,146	$9,122,356
17	202	$100,641	$16,344	$84,297	$9,038,060
17	203	$100,641	$16,193	$84,448	$8,953,612
17	204	$100,641	$16,042	$84,599	$8,869,013
18	205	$100,641	$15,890	$84,751	$8,784,262
18	206	$100,641	$15,738	$84,902	$8,699,360
18	207	$100,641	$15,586	$85,055	$8,614,305
18	208	$100,641	$15,434	$85,207	$8,529,098
18	209	$100,641	$15,281	$85,360	$8,443,739
18	210	$100,641	$15,128	$85,513	$8,358,226
18	211	$100,641	$14,975	$85,666	$8,272,561
18	212	$100,641	$14,822	$85,819	$8,186,741
18	213	$100,641	$14,668	$85,973	$8,100,768
18	214	$100,641	$14,514	$86,127	$8,014,641
18	215	$100,641	$14,360	$86,281	$7,928,360
18	216	$100,641	$14,205	$86,436	$7,841,924
19	217	$100,641	$14,050	$86,591	$7,755,333
19	218	$100,641	$13,895	$86,746	$7,668,587
19	219	$100,641	$13,740	$86,901	$7,581,686
19	220	$100,641	$13,584	$87,057	$7,494,629
19	221	$100,641	$13,428	$87,213	$7,407,416
19	222	$100,641	$13,272	$87,369	$7,320,047
19	223	$100,641	$13,115	$87,526	$7,232,521
19	224	$100,641	$12,958	$87,683	$7,144,838
19	225	$100,641	$12,801	$87,840	$7,056,999
19	226	$100,641	$12,644	$87,997	$6,969,002
19	227	$100,641	$12,486	$88,155	$6,880,847
19	228	$100,641	$12,328	$88,313	$6,792,534
20	229	$100,641	$12,170	$88,471	$6,704,063
20	230	$100,641	$12,011	$88,629	$6,615,434
20	231	$100,641	$11,853	$88,788	$6,526,645
20	232	$100,641	$11,694	$88,947	$6,437,698
20	233	$100,641	$11,534	$89,107	$6,348,591
20	234	$100,641	$11,375	$89,266	$6,259,325
20	235	$100,641	$11,215	$89,426	$6,169,899
20	236	$100,641	$11,054	$89,586	$6,080,312
20	237	$100,641	$10,894	$89,747	$5,990,565
20	238	$100,641	$10,733	$89,908	$5,900,658
20	239	$100,641	$10,572	$90,069	$5,810,589
20	240	$100,641	$10,411	$90,230	$5,720,358
21	241	$100,641	$10,249	$90,392	$5,629,966
21	242	$100,641	$10,087	$90,554	$5,539,413
21	243	$100,641	$9,925	$90,716	$5,448,697
21	244	$100,641	$9,762	$90,879	$5,357,818
21	245	$100,641	$9,599	$91,041	$5,266,776
21	246	$100,641	$9,436	$91,205	$5,175,572
21	247	$100,641	$9,273	$91,368	$5,084,204
21	248	$100,641	$9,109	$91,532	$4,992,672
21	249	$100,641	$8,945	$91,696	$4,900,976
21	250	$100,641	$8,781	$91,860	$4,809,116
21	251	$100,641	$8,616	$92,025	$4,717,092
21	252	$100,641	$8,451	$92,189	$4,624,902
22	253	$100,641	$8,286	$92,355	$4,532,548
22	254	$100,641	$8,121	$92,520	$4,440,028
22	255	$100,641	$7,955	$92,686	$4,347,342
22	256	$100,641	$7,789	$92,852	$4,254,490
22	257	$100,641	$7,623	$93,018	$4,161,472
22	258	$100,641	$7,456	$93,185	$4,068,287
22	259	$100,641	$7,289	$93,352	$3,974,935
22	260	$100,641	$7,122	$93,519	$3,881,416
22	261	$100,641	$6,954	$93,687	$3,787,729
22	262	$100,641	$6,786	$93,855	$3,693,875
22	263	$100,641	$6,618	$94,023	$3,599,852
22	264	$100,641	$6,450	$94,191	$3,505,661
23	265	$100,641	$6,281	$94,360	$3,411,301
23	266	$100,641	$6,112	$94,529	$3,316,772
23	267	$100,641	$5,943	$94,698	$3,222,074
23	268	$100,641	$5,773	$94,868	$3,127,206
23	269	$100,641	$5,603	$95,038	$3,032,168
23	270	$100,641	$5,433	$95,208	$2,936,959
23	271	$100,641	$5,262	$95,379	$2,841,580
23	272	$100,641	$5,091	$95,550	$2,746,031
23	273	$100,641	$4,920	$95,721	$2,650,310
23	274	$100,641	$4,748	$95,892	$2,554,417
23	275	$100,641	$4,577	$96,064	$2,458,353
23	276	$100,641	$4,405	$96,236	$2,362,117
24	277	$100,641	$4,232	$96,409	$2,265,708
24	278	$100,641	$4,059	$96,581	$2,169,127
24	279	$100,641	$3,886	$96,755	$2,072,372
24	280	$100,641	$3,713	$96,928	$1,975,444
24	281	$100,641	$3,539	$97,102	$1,878,343
24	282	$100,641	$3,365	$97,276	$1,781,067
24	283	$100,641	$3,191	$97,450	$1,683,617
24	284	$100,641	$3,016	$97,624	$1,585,993
24	285	$100,641	$2,842	$97,799	$1,488,193
24	286	$100,641	$2,666	$97,975	$1,390,219
24	287	$100,641	$2,491	$98,150	$1,292,069
24	288	$100,641	$2,315	$98,326	$1,193,743
25	289	$100,641	$2,139	$98,502	$1,095,241
25	290	$100,641	$1,962	$98,679	$996,562
25	291	$100,641	$1,786	$98,855	$897,707
25	292	$100,641	$1,608	$99,032	$798,674
25	293	$100,641	$1,431	$99,210	$699,464
25	294	$100,641	$1,253	$99,388	$600,077
25	295	$100,641	$1,075	$99,566	$500,511
25	296	$100,641	$897	$99,744	$400,767
25	297	$100,641	$718	$99,923	$300,844
25	298	$100,641	$539	$100,102	$200,742
25	299	$100,641	$360	$100,281	$100,461
25	300	$100,641	$180	$100,461	$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$ 15,560,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,949,000

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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.