Century 21 Centaland Property

Down Payment (HKD)

$20,320,000

Monthly Repayment (HKD)

$131,428

Loan Amount (HKD)

$30,480,000

Total Interest (HKD)

$8,948,462

Total Repayment (HKD)

$39,428,462

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$131,428	$54,610	$76,818	$30,403,182
1	2	$131,428	$54,472	$76,956	$30,326,226
1	3	$131,428	$54,334	$77,094	$30,249,132
1	4	$131,428	$54,196	$77,232	$30,171,900
1	5	$131,428	$54,058	$77,370	$30,094,530
1	6	$131,428	$53,919	$77,509	$30,017,021
1	7	$131,428	$53,780	$77,648	$29,939,374
1	8	$131,428	$53,641	$77,787	$29,861,587
1	9	$131,428	$53,502	$77,926	$29,783,661
1	10	$131,428	$53,362	$78,066	$29,705,595
1	11	$131,428	$53,223	$78,206	$29,627,389
1	12	$131,428	$53,082	$78,346	$29,549,043
2	13	$131,428	$52,942	$78,486	$29,470,557
2	14	$131,428	$52,801	$78,627	$29,391,930
2	15	$131,428	$52,661	$78,768	$29,313,163
2	16	$131,428	$52,519	$78,909	$29,234,254
2	17	$131,428	$52,378	$79,050	$29,155,204
2	18	$131,428	$52,236	$79,192	$29,076,012
2	19	$131,428	$52,095	$79,334	$28,996,678
2	20	$131,428	$51,952	$79,476	$28,917,202
2	21	$131,428	$51,810	$79,618	$28,837,584
2	22	$131,428	$51,667	$79,761	$28,757,823
2	23	$131,428	$51,524	$79,904	$28,677,920
2	24	$131,428	$51,381	$80,047	$28,597,873
3	25	$131,428	$51,238	$80,190	$28,517,682
3	26	$131,428	$51,094	$80,334	$28,437,348
3	27	$131,428	$50,950	$80,478	$28,356,870
3	28	$131,428	$50,806	$80,622	$28,276,248
3	29	$131,428	$50,662	$80,767	$28,195,482
3	30	$131,428	$50,517	$80,911	$28,114,570
3	31	$131,428	$50,372	$81,056	$28,033,514
3	32	$131,428	$50,227	$81,201	$27,952,312
3	33	$131,428	$50,081	$81,347	$27,870,965
3	34	$131,428	$49,935	$81,493	$27,789,473
3	35	$131,428	$49,789	$81,639	$27,707,834
3	36	$131,428	$49,643	$81,785	$27,626,049
4	37	$131,428	$49,497	$81,932	$27,544,117
4	38	$131,428	$49,350	$82,078	$27,462,039
4	39	$131,428	$49,203	$82,225	$27,379,814
4	40	$131,428	$49,055	$82,373	$27,297,441
4	41	$131,428	$48,908	$82,520	$27,214,921
4	42	$131,428	$48,760	$82,668	$27,132,253
4	43	$131,428	$48,612	$82,816	$27,049,436
4	44	$131,428	$48,464	$82,965	$26,966,472
4	45	$131,428	$48,315	$83,113	$26,883,358
4	46	$131,428	$48,166	$83,262	$26,800,096
4	47	$131,428	$48,017	$83,411	$26,716,685
4	48	$131,428	$47,867	$83,561	$26,633,124
5	49	$131,428	$47,718	$83,711	$26,549,414
5	50	$131,428	$47,568	$83,861	$26,465,553
5	51	$131,428	$47,417	$84,011	$26,381,542
5	52	$131,428	$47,267	$84,161	$26,297,381
5	53	$131,428	$47,116	$84,312	$26,213,069
5	54	$131,428	$46,965	$84,463	$26,128,606
5	55	$131,428	$46,814	$84,614	$26,043,991
5	56	$131,428	$46,662	$84,766	$25,959,225
5	57	$131,428	$46,510	$84,918	$25,874,307
5	58	$131,428	$46,358	$85,070	$25,789,237
5	59	$131,428	$46,206	$85,222	$25,704,015
5	60	$131,428	$46,053	$85,375	$25,618,640
6	61	$131,428	$45,900	$85,528	$25,533,111
6	62	$131,428	$45,747	$85,681	$25,447,430
6	63	$131,428	$45,593	$85,835	$25,361,595
6	64	$131,428	$45,440	$85,989	$25,275,607
6	65	$131,428	$45,285	$86,143	$25,189,464
6	66	$131,428	$45,131	$86,297	$25,103,167
6	67	$131,428	$44,977	$86,452	$25,016,715
6	68	$131,428	$44,822	$86,607	$24,930,108
6	69	$131,428	$44,666	$86,762	$24,843,347
6	70	$131,428	$44,511	$86,917	$24,756,429
6	71	$131,428	$44,355	$87,073	$24,669,356
6	72	$131,428	$44,199	$87,229	$24,582,128
7	73	$131,428	$44,043	$87,385	$24,494,742
7	74	$131,428	$43,886	$87,542	$24,407,201
7	75	$131,428	$43,730	$87,699	$24,319,502
7	76	$131,428	$43,572	$87,856	$24,231,646
7	77	$131,428	$43,415	$88,013	$24,143,633
7	78	$131,428	$43,257	$88,171	$24,055,462
7	79	$131,428	$43,099	$88,329	$23,967,133
7	80	$131,428	$42,941	$88,487	$23,878,646
7	81	$131,428	$42,783	$88,646	$23,790,000
7	82	$131,428	$42,624	$88,804	$23,701,196
7	83	$131,428	$42,465	$88,964	$23,612,232
7	84	$131,428	$42,305	$89,123	$23,523,110
8	85	$131,428	$42,146	$89,283	$23,433,827
8	86	$131,428	$41,986	$89,443	$23,344,384
8	87	$131,428	$41,825	$89,603	$23,254,781
8	88	$131,428	$41,665	$89,763	$23,165,018
8	89	$131,428	$41,504	$89,924	$23,075,094
8	90	$131,428	$41,343	$90,085	$22,985,008
8	91	$131,428	$41,181	$90,247	$22,894,762
8	92	$131,428	$41,020	$90,408	$22,804,353
8	93	$131,428	$40,858	$90,570	$22,713,783
8	94	$131,428	$40,696	$90,733	$22,623,050
8	95	$131,428	$40,533	$90,895	$22,532,155
8	96	$131,428	$40,370	$91,058	$22,441,097
9	97	$131,428	$40,207	$91,221	$22,349,876
9	98	$131,428	$40,044	$91,385	$22,258,491
9	99	$131,428	$39,880	$91,548	$22,166,943
9	100	$131,428	$39,716	$91,712	$22,075,230
9	101	$131,428	$39,551	$91,877	$21,983,353
9	102	$131,428	$39,387	$92,041	$21,891,312
9	103	$131,428	$39,222	$92,206	$21,799,106
9	104	$131,428	$39,057	$92,371	$21,706,734
9	105	$131,428	$38,891	$92,537	$21,614,197
9	106	$131,428	$38,725	$92,703	$21,521,495
9	107	$131,428	$38,559	$92,869	$21,428,626
9	108	$131,428	$38,393	$93,035	$21,335,590
10	109	$131,428	$38,226	$93,202	$21,242,388
10	110	$131,428	$38,059	$93,369	$21,149,020
10	111	$131,428	$37,892	$93,536	$21,055,483
10	112	$131,428	$37,724	$93,704	$20,961,780
10	113	$131,428	$37,557	$93,872	$20,867,908
10	114	$131,428	$37,388	$94,040	$20,773,868
10	115	$131,428	$37,220	$94,208	$20,679,660
10	116	$131,428	$37,051	$94,377	$20,585,282
10	117	$131,428	$36,882	$94,546	$20,490,736
10	118	$131,428	$36,713	$94,716	$20,396,021
10	119	$131,428	$36,543	$94,885	$20,301,135
10	120	$131,428	$36,373	$95,055	$20,206,080
11	121	$131,428	$36,203	$95,226	$20,110,854
11	122	$131,428	$36,032	$95,396	$20,015,458
11	123	$131,428	$35,861	$95,567	$19,919,891
11	124	$131,428	$35,690	$95,738	$19,824,152
11	125	$131,428	$35,518	$95,910	$19,728,242
11	126	$131,428	$35,346	$96,082	$19,632,161
11	127	$131,428	$35,174	$96,254	$19,535,907
11	128	$131,428	$35,002	$96,426	$19,439,480
11	129	$131,428	$34,829	$96,599	$19,342,881
11	130	$131,428	$34,656	$96,772	$19,246,109
11	131	$131,428	$34,483	$96,946	$19,149,163
11	132	$131,428	$34,309	$97,119	$19,052,044
12	133	$131,428	$34,135	$97,293	$18,954,751
12	134	$131,428	$33,961	$97,468	$18,857,283
12	135	$131,428	$33,786	$97,642	$18,759,641
12	136	$131,428	$33,611	$97,817	$18,661,824
12	137	$131,428	$33,436	$97,992	$18,563,831
12	138	$131,428	$33,260	$98,168	$18,465,663
12	139	$131,428	$33,084	$98,344	$18,367,319
12	140	$131,428	$32,908	$98,520	$18,268,799
12	141	$131,428	$32,732	$98,697	$18,170,103
12	142	$131,428	$32,555	$98,873	$18,071,229
12	143	$131,428	$32,378	$99,051	$17,972,179
12	144	$131,428	$32,200	$99,228	$17,872,951
13	145	$131,428	$32,022	$99,406	$17,773,545
13	146	$131,428	$31,844	$99,584	$17,673,961
13	147	$131,428	$31,666	$99,762	$17,574,199
13	148	$131,428	$31,487	$99,941	$17,474,257
13	149	$131,428	$31,308	$100,120	$17,374,137
13	150	$131,428	$31,129	$100,300	$17,273,838
13	151	$131,428	$30,949	$100,479	$17,173,359
13	152	$131,428	$30,769	$100,659	$17,072,699
13	153	$131,428	$30,589	$100,840	$16,971,860
13	154	$131,428	$30,408	$101,020	$16,870,839
13	155	$131,428	$30,227	$101,201	$16,769,638
13	156	$131,428	$30,046	$101,383	$16,668,255
14	157	$131,428	$29,864	$101,564	$16,566,691
14	158	$131,428	$29,682	$101,746	$16,464,945
14	159	$131,428	$29,500	$101,929	$16,363,016
14	160	$131,428	$29,317	$102,111	$16,260,905
14	161	$131,428	$29,134	$102,294	$16,158,611
14	162	$131,428	$28,951	$102,477	$16,056,134
14	163	$131,428	$28,767	$102,661	$15,953,473
14	164	$131,428	$28,583	$102,845	$15,850,628
14	165	$131,428	$28,399	$103,029	$15,747,599
14	166	$131,428	$28,214	$103,214	$15,644,385
14	167	$131,428	$28,030	$103,399	$15,540,986
14	168	$131,428	$27,844	$103,584	$15,437,402
15	169	$131,428	$27,659	$103,770	$15,333,633
15	170	$131,428	$27,473	$103,955	$15,229,677
15	171	$131,428	$27,287	$104,142	$15,125,536
15	172	$131,428	$27,100	$104,328	$15,021,207
15	173	$131,428	$26,913	$104,515	$14,916,692
15	174	$131,428	$26,726	$104,702	$14,811,990
15	175	$131,428	$26,538	$104,890	$14,707,100
15	176	$131,428	$26,350	$105,078	$14,602,022
15	177	$131,428	$26,162	$105,266	$14,496,756
15	178	$131,428	$25,973	$105,455	$14,391,301
15	179	$131,428	$25,784	$105,644	$14,285,657
15	180	$131,428	$25,595	$105,833	$14,179,824
16	181	$131,428	$25,406	$106,023	$14,073,801
16	182	$131,428	$25,216	$106,213	$13,967,588
16	183	$131,428	$25,025	$106,403	$13,861,186
16	184	$131,428	$24,835	$106,594	$13,754,592
16	185	$131,428	$24,644	$106,785	$13,647,807
16	186	$131,428	$24,452	$106,976	$13,540,831
16	187	$131,428	$24,261	$107,168	$13,433,664
16	188	$131,428	$24,069	$107,360	$13,326,304
16	189	$131,428	$23,876	$107,552	$13,218,752
16	190	$131,428	$23,684	$107,745	$13,111,008
16	191	$131,428	$23,491	$107,938	$13,003,070
16	192	$131,428	$23,297	$108,131	$12,894,939
17	193	$131,428	$23,103	$108,325	$12,786,614
17	194	$131,428	$22,909	$108,519	$12,678,096
17	195	$131,428	$22,715	$108,713	$12,569,382
17	196	$131,428	$22,520	$108,908	$12,460,474
17	197	$131,428	$22,325	$109,103	$12,351,371
17	198	$131,428	$22,130	$109,299	$12,242,072
17	199	$131,428	$21,934	$109,494	$12,132,578
17	200	$131,428	$21,738	$109,691	$12,022,887
17	201	$131,428	$21,541	$109,887	$11,913,000
17	202	$131,428	$21,344	$110,084	$11,802,916
17	203	$131,428	$21,147	$110,281	$11,692,635
17	204	$131,428	$20,949	$110,479	$11,582,156
18	205	$131,428	$20,751	$110,677	$11,471,479
18	206	$131,428	$20,553	$110,875	$11,360,604
18	207	$131,428	$20,354	$111,074	$11,249,530
18	208	$131,428	$20,155	$111,273	$11,138,257
18	209	$131,428	$19,956	$111,472	$11,026,785
18	210	$131,428	$19,756	$111,672	$10,915,113
18	211	$131,428	$19,556	$111,872	$10,803,241
18	212	$131,428	$19,356	$112,072	$10,691,169
18	213	$131,428	$19,155	$112,273	$10,578,895
18	214	$131,428	$18,954	$112,474	$10,466,421
18	215	$131,428	$18,752	$112,676	$10,353,745
18	216	$131,428	$18,550	$112,878	$10,240,867
19	217	$131,428	$18,348	$113,080	$10,127,787
19	218	$131,428	$18,146	$113,283	$10,014,505
19	219	$131,428	$17,943	$113,486	$9,901,019
19	220	$131,428	$17,739	$113,689	$9,787,330
19	221	$131,428	$17,536	$113,893	$9,673,438
19	222	$131,428	$17,332	$114,097	$9,559,341
19	223	$131,428	$17,127	$114,301	$9,445,040
19	224	$131,428	$16,922	$114,506	$9,330,534
19	225	$131,428	$16,717	$114,711	$9,215,823
19	226	$131,428	$16,512	$114,917	$9,100,907
19	227	$131,428	$16,306	$115,122	$8,985,784
19	228	$131,428	$16,100	$115,329	$8,870,456
20	229	$131,428	$15,893	$115,535	$8,754,920
20	230	$131,428	$15,686	$115,742	$8,639,178
20	231	$131,428	$15,479	$115,950	$8,523,228
20	232	$131,428	$15,271	$116,157	$8,407,071
20	233	$131,428	$15,063	$116,366	$8,290,705
20	234	$131,428	$14,854	$116,574	$8,174,131
20	235	$131,428	$14,645	$116,783	$8,057,349
20	236	$131,428	$14,436	$116,992	$7,940,356
20	237	$131,428	$14,226	$117,202	$7,823,155
20	238	$131,428	$14,016	$117,412	$7,705,743
20	239	$131,428	$13,806	$117,622	$7,588,121
20	240	$131,428	$13,595	$117,833	$7,470,288
21	241	$131,428	$13,384	$118,044	$7,352,244
21	242	$131,428	$13,173	$118,255	$7,233,989
21	243	$131,428	$12,961	$118,467	$7,115,521
21	244	$131,428	$12,749	$118,680	$6,996,842
21	245	$131,428	$12,536	$118,892	$6,877,950
21	246	$131,428	$12,323	$119,105	$6,758,844
21	247	$131,428	$12,110	$119,319	$6,639,526
21	248	$131,428	$11,896	$119,532	$6,519,993
21	249	$131,428	$11,682	$119,747	$6,400,247
21	250	$131,428	$11,467	$119,961	$6,280,286
21	251	$131,428	$11,252	$120,176	$6,160,110
21	252	$131,428	$11,037	$120,391	$6,039,718
22	253	$131,428	$10,821	$120,607	$5,919,111
22	254	$131,428	$10,605	$120,823	$5,798,288
22	255	$131,428	$10,389	$121,040	$5,677,249
22	256	$131,428	$10,172	$121,256	$5,555,992
22	257	$131,428	$9,954	$121,474	$5,434,518
22	258	$131,428	$9,737	$121,691	$5,312,827
22	259	$131,428	$9,519	$121,909	$5,190,918
22	260	$131,428	$9,300	$122,128	$5,068,790
22	261	$131,428	$9,082	$122,347	$4,946,443
22	262	$131,428	$8,862	$122,566	$4,823,877
22	263	$131,428	$8,643	$122,785	$4,701,092
22	264	$131,428	$8,423	$123,005	$4,578,087
23	265	$131,428	$8,202	$123,226	$4,454,861
23	266	$131,428	$7,982	$123,447	$4,331,414
23	267	$131,428	$7,760	$123,668	$4,207,746
23	268	$131,428	$7,539	$123,889	$4,083,857
23	269	$131,428	$7,317	$124,111	$3,959,746
23	270	$131,428	$7,095	$124,334	$3,835,412
23	271	$131,428	$6,872	$124,556	$3,710,856
23	272	$131,428	$6,649	$124,780	$3,586,076
23	273	$131,428	$6,425	$125,003	$3,461,073
23	274	$131,428	$6,201	$125,227	$3,335,846
23	275	$131,428	$5,977	$125,451	$3,210,394
23	276	$131,428	$5,752	$125,676	$3,084,718
24	277	$131,428	$5,527	$125,901	$2,958,817
24	278	$131,428	$5,301	$126,127	$2,832,690
24	279	$131,428	$5,075	$126,353	$2,706,337
24	280	$131,428	$4,849	$126,579	$2,579,757
24	281	$131,428	$4,622	$126,806	$2,452,951
24	282	$131,428	$4,395	$127,033	$2,325,918
24	283	$131,428	$4,167	$127,261	$2,198,657
24	284	$131,428	$3,939	$127,489	$2,071,168
24	285	$131,428	$3,711	$127,717	$1,943,451
24	286	$131,428	$3,482	$127,946	$1,815,504
24	287	$131,428	$3,253	$128,175	$1,687,329
24	288	$131,428	$3,023	$128,405	$1,558,924
25	289	$131,428	$2,793	$128,635	$1,430,289
25	290	$131,428	$2,563	$128,866	$1,301,423
25	291	$131,428	$2,332	$129,096	$1,172,327
25	292	$131,428	$2,100	$129,328	$1,042,999
25	293	$131,428	$1,869	$129,560	$913,439
25	294	$131,428	$1,637	$129,792	$783,648
25	295	$131,428	$1,404	$130,024	$653,624
25	296	$131,428	$1,171	$130,257	$523,366
25	297	$131,428	$938	$130,491	$392,876
25	298	$131,428	$704	$130,724	$262,152
25	299	$131,428	$470	$130,959	$131,193
25	300	$131,428	$235	$131,193	$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$ 20,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 20,828,000

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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.