Century 21 Centaland Property

Down Payment (HKD)

$36,320,000

Monthly Repayment (HKD)

$234,915

Loan Amount (HKD)

$54,480,000

Total Interest (HKD)

$15,994,495

Total Repayment (HKD)

$70,474,495

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$234,915	$97,610	$137,305	$54,342,695
1	2	$234,915	$97,364	$137,551	$54,205,144
1	3	$234,915	$97,118	$137,797	$54,067,347
1	4	$234,915	$96,871	$138,044	$53,929,302
1	5	$234,915	$96,623	$138,292	$53,791,011
1	6	$234,915	$96,376	$138,539	$53,652,471
1	7	$234,915	$96,127	$138,788	$53,513,684
1	8	$234,915	$95,879	$139,036	$53,374,647
1	9	$234,915	$95,630	$139,285	$53,235,362
1	10	$234,915	$95,380	$139,535	$53,095,827
1	11	$234,915	$95,130	$139,785	$52,956,042
1	12	$234,915	$94,880	$140,035	$52,816,007
2	13	$234,915	$94,629	$140,286	$52,675,720
2	14	$234,915	$94,377	$140,538	$52,535,183
2	15	$234,915	$94,126	$140,789	$52,394,393
2	16	$234,915	$93,873	$141,042	$52,253,351
2	17	$234,915	$93,621	$141,294	$52,112,057
2	18	$234,915	$93,367	$141,548	$51,970,509
2	19	$234,915	$93,114	$141,801	$51,828,708
2	20	$234,915	$92,860	$142,055	$51,686,653
2	21	$234,915	$92,605	$142,310	$51,544,343
2	22	$234,915	$92,350	$142,565	$51,401,779
2	23	$234,915	$92,095	$142,820	$51,258,959
2	24	$234,915	$91,839	$143,076	$51,115,883
3	25	$234,915	$91,583	$143,332	$50,972,550
3	26	$234,915	$91,326	$143,589	$50,828,961
3	27	$234,915	$91,069	$143,846	$50,685,115
3	28	$234,915	$90,811	$144,104	$50,541,010
3	29	$234,915	$90,553	$144,362	$50,396,648
3	30	$234,915	$90,294	$144,621	$50,252,027
3	31	$234,915	$90,035	$144,880	$50,107,147
3	32	$234,915	$89,775	$145,140	$49,962,007
3	33	$234,915	$89,515	$145,400	$49,816,608
3	34	$234,915	$89,255	$145,660	$49,670,947
3	35	$234,915	$88,994	$145,921	$49,525,026
3	36	$234,915	$88,732	$146,183	$49,378,843
4	37	$234,915	$88,470	$146,445	$49,232,399
4	38	$234,915	$88,208	$146,707	$49,085,692
4	39	$234,915	$87,945	$146,970	$48,938,722
4	40	$234,915	$87,682	$147,233	$48,791,489
4	41	$234,915	$87,418	$147,497	$48,643,992
4	42	$234,915	$87,154	$147,761	$48,496,231
4	43	$234,915	$86,889	$148,026	$48,348,205
4	44	$234,915	$86,624	$148,291	$48,199,914
4	45	$234,915	$86,358	$148,557	$48,051,357
4	46	$234,915	$86,092	$148,823	$47,902,534
4	47	$234,915	$85,825	$149,090	$47,753,445
4	48	$234,915	$85,558	$149,357	$47,604,088
5	49	$234,915	$85,291	$149,624	$47,454,464
5	50	$234,915	$85,023	$149,892	$47,304,571
5	51	$234,915	$84,754	$150,161	$47,154,410
5	52	$234,915	$84,485	$150,430	$47,003,980
5	53	$234,915	$84,215	$150,700	$46,853,281
5	54	$234,915	$83,945	$150,970	$46,702,311
5	55	$234,915	$83,675	$151,240	$46,551,071
5	56	$234,915	$83,404	$151,511	$46,399,560
5	57	$234,915	$83,133	$151,782	$46,247,778
5	58	$234,915	$82,861	$152,054	$46,095,723
5	59	$234,915	$82,588	$152,327	$45,943,397
5	60	$234,915	$82,315	$152,600	$45,790,797
6	61	$234,915	$82,042	$152,873	$45,637,924
6	62	$234,915	$81,768	$153,147	$45,484,777
6	63	$234,915	$81,494	$153,421	$45,331,355
6	64	$234,915	$81,219	$153,696	$45,177,659
6	65	$234,915	$80,943	$153,972	$45,023,687
6	66	$234,915	$80,667	$154,248	$44,869,440
6	67	$234,915	$80,391	$154,524	$44,714,916
6	68	$234,915	$80,114	$154,801	$44,560,115
6	69	$234,915	$79,837	$155,078	$44,405,037
6	70	$234,915	$79,559	$155,356	$44,249,681
6	71	$234,915	$79,281	$155,634	$44,094,047
6	72	$234,915	$79,002	$155,913	$43,938,133
7	73	$234,915	$78,722	$156,192	$43,781,941
7	74	$234,915	$78,443	$156,472	$43,625,469
7	75	$234,915	$78,162	$156,753	$43,468,716
7	76	$234,915	$77,881	$157,034	$43,311,682
7	77	$234,915	$77,600	$157,315	$43,154,368
7	78	$234,915	$77,318	$157,597	$42,996,771
7	79	$234,915	$77,036	$157,879	$42,838,892
7	80	$234,915	$76,753	$158,162	$42,680,730
7	81	$234,915	$76,470	$158,445	$42,522,284
7	82	$234,915	$76,186	$158,729	$42,363,555
7	83	$234,915	$75,901	$159,014	$42,204,542
7	84	$234,915	$75,616	$159,299	$42,045,243
8	85	$234,915	$75,331	$159,584	$41,885,659
8	86	$234,915	$75,045	$159,870	$41,725,789
8	87	$234,915	$74,759	$160,156	$41,565,633
8	88	$234,915	$74,472	$160,443	$41,405,190
8	89	$234,915	$74,184	$160,731	$41,244,459
8	90	$234,915	$73,896	$161,019	$41,083,440
8	91	$234,915	$73,608	$161,307	$40,922,133
8	92	$234,915	$73,319	$161,596	$40,760,537
8	93	$234,915	$73,029	$161,886	$40,598,651
8	94	$234,915	$72,739	$162,176	$40,436,476
8	95	$234,915	$72,449	$162,466	$40,274,009
8	96	$234,915	$72,158	$162,757	$40,111,252
9	97	$234,915	$71,866	$163,049	$39,948,203
9	98	$234,915	$71,574	$163,341	$39,784,862
9	99	$234,915	$71,281	$163,634	$39,621,228
9	100	$234,915	$70,988	$163,927	$39,457,301
9	101	$234,915	$70,694	$164,221	$39,293,080
9	102	$234,915	$70,400	$164,515	$39,128,566
9	103	$234,915	$70,105	$164,810	$38,963,756
9	104	$234,915	$69,810	$165,105	$38,798,651
9	105	$234,915	$69,514	$165,401	$38,633,250
9	106	$234,915	$69,218	$165,697	$38,467,553
9	107	$234,915	$68,921	$165,994	$38,301,559
9	108	$234,915	$68,624	$166,291	$38,135,268
10	109	$234,915	$68,326	$166,589	$37,968,679
10	110	$234,915	$68,027	$166,888	$37,801,791
10	111	$234,915	$67,728	$167,187	$37,634,604
10	112	$234,915	$67,429	$167,486	$37,467,118
10	113	$234,915	$67,129	$167,786	$37,299,331
10	114	$234,915	$66,828	$168,087	$37,131,244
10	115	$234,915	$66,527	$168,388	$36,962,856
10	116	$234,915	$66,225	$168,690	$36,794,166
10	117	$234,915	$65,923	$168,992	$36,625,174
10	118	$234,915	$65,620	$169,295	$36,455,879
10	119	$234,915	$65,317	$169,598	$36,286,281
10	120	$234,915	$65,013	$169,902	$36,116,379
11	121	$234,915	$64,709	$170,206	$35,946,173
11	122	$234,915	$64,404	$170,511	$35,775,661
11	123	$234,915	$64,098	$170,817	$35,604,844
11	124	$234,915	$63,792	$171,123	$35,433,721
11	125	$234,915	$63,485	$171,430	$35,262,292
11	126	$234,915	$63,178	$171,737	$35,090,555
11	127	$234,915	$62,871	$172,044	$34,918,511
11	128	$234,915	$62,562	$172,353	$34,746,158
11	129	$234,915	$62,254	$172,661	$34,573,496
11	130	$234,915	$61,944	$172,971	$34,400,526
11	131	$234,915	$61,634	$173,281	$34,227,245
11	132	$234,915	$61,324	$173,591	$34,053,654
12	133	$234,915	$61,013	$173,902	$33,879,752
12	134	$234,915	$60,701	$174,214	$33,705,538
12	135	$234,915	$60,389	$174,526	$33,531,012
12	136	$234,915	$60,076	$174,839	$33,356,173
12	137	$234,915	$59,763	$175,152	$33,181,021
12	138	$234,915	$59,449	$175,466	$33,005,556
12	139	$234,915	$59,135	$175,780	$32,829,776
12	140	$234,915	$58,820	$176,095	$32,653,681
12	141	$234,915	$58,505	$176,410	$32,477,270
12	142	$234,915	$58,188	$176,727	$32,300,544
12	143	$234,915	$57,872	$177,043	$32,123,501
12	144	$234,915	$57,555	$177,360	$31,946,140
13	145	$234,915	$57,237	$177,678	$31,768,462
13	146	$234,915	$56,918	$177,996	$31,590,466
13	147	$234,915	$56,600	$178,315	$31,412,150
13	148	$234,915	$56,280	$178,635	$31,233,515
13	149	$234,915	$55,960	$178,955	$31,054,560
13	150	$234,915	$55,639	$179,276	$30,875,285
13	151	$234,915	$55,318	$179,597	$30,695,688
13	152	$234,915	$54,996	$179,919	$30,515,770
13	153	$234,915	$54,674	$180,241	$30,335,529
13	154	$234,915	$54,351	$180,564	$30,154,965
13	155	$234,915	$54,028	$180,887	$29,974,077
13	156	$234,915	$53,704	$181,211	$29,792,866
14	157	$234,915	$53,379	$181,536	$29,611,330
14	158	$234,915	$53,054	$181,861	$29,429,469
14	159	$234,915	$52,728	$182,187	$29,247,281
14	160	$234,915	$52,401	$182,514	$29,064,768
14	161	$234,915	$52,074	$182,841	$28,881,927
14	162	$234,915	$51,747	$183,168	$28,698,759
14	163	$234,915	$51,419	$183,496	$28,515,263
14	164	$234,915	$51,090	$183,825	$28,331,437
14	165	$234,915	$50,760	$184,154	$28,147,283
14	166	$234,915	$50,431	$184,484	$27,962,799
14	167	$234,915	$50,100	$184,815	$27,777,984
14	168	$234,915	$49,769	$185,146	$27,592,837
15	169	$234,915	$49,437	$185,478	$27,407,360
15	170	$234,915	$49,105	$185,810	$27,221,550
15	171	$234,915	$48,772	$186,143	$27,035,406
15	172	$234,915	$48,438	$186,477	$26,848,930
15	173	$234,915	$48,104	$186,811	$26,662,119
15	174	$234,915	$47,770	$187,145	$26,474,974
15	175	$234,915	$47,434	$187,481	$26,287,493
15	176	$234,915	$47,098	$187,817	$26,099,677
15	177	$234,915	$46,762	$188,153	$25,911,524
15	178	$234,915	$46,425	$188,490	$25,723,033
15	179	$234,915	$46,087	$188,828	$25,534,206
15	180	$234,915	$45,749	$189,166	$25,345,039
16	181	$234,915	$45,410	$189,505	$25,155,534
16	182	$234,915	$45,070	$189,845	$24,965,690
16	183	$234,915	$44,730	$190,185	$24,775,505
16	184	$234,915	$44,389	$190,526	$24,584,979
16	185	$234,915	$44,048	$190,867	$24,394,112
16	186	$234,915	$43,706	$191,209	$24,202,904
16	187	$234,915	$43,364	$191,551	$24,011,352
16	188	$234,915	$43,020	$191,895	$23,819,457
16	189	$234,915	$42,677	$192,238	$23,627,219
16	190	$234,915	$42,332	$192,583	$23,434,636
16	191	$234,915	$41,987	$192,928	$23,241,708
16	192	$234,915	$41,641	$193,274	$23,048,435
17	193	$234,915	$41,295	$193,620	$22,854,815
17	194	$234,915	$40,948	$193,967	$22,660,848
17	195	$234,915	$40,601	$194,314	$22,466,534
17	196	$234,915	$40,253	$194,662	$22,271,871
17	197	$234,915	$39,904	$195,011	$22,076,860
17	198	$234,915	$39,554	$195,361	$21,881,499
17	199	$234,915	$39,204	$195,711	$21,685,789
17	200	$234,915	$38,854	$196,061	$21,489,727
17	201	$234,915	$38,502	$196,413	$21,293,315
17	202	$234,915	$38,151	$196,764	$21,096,550
17	203	$234,915	$37,798	$197,117	$20,899,433
17	204	$234,915	$37,445	$197,470	$20,701,963
18	205	$234,915	$37,091	$197,824	$20,504,139
18	206	$234,915	$36,737	$198,178	$20,305,961
18	207	$234,915	$36,382	$198,533	$20,107,427
18	208	$234,915	$36,026	$198,889	$19,908,538
18	209	$234,915	$35,669	$199,246	$19,709,293
18	210	$234,915	$35,312	$199,603	$19,509,690
18	211	$234,915	$34,955	$199,960	$19,309,730
18	212	$234,915	$34,597	$200,318	$19,109,412
18	213	$234,915	$34,238	$200,677	$18,908,734
18	214	$234,915	$33,878	$201,037	$18,707,698
18	215	$234,915	$33,518	$201,397	$18,506,301
18	216	$234,915	$33,157	$201,758	$18,304,543
19	217	$234,915	$32,796	$202,119	$18,102,423
19	218	$234,915	$32,434	$202,481	$17,899,942
19	219	$234,915	$32,071	$202,844	$17,697,098
19	220	$234,915	$31,707	$203,208	$17,493,890
19	221	$234,915	$31,343	$203,572	$17,290,318
19	222	$234,915	$30,978	$203,936	$17,086,382
19	223	$234,915	$30,613	$204,302	$16,882,080
19	224	$234,915	$30,247	$204,668	$16,677,412
19	225	$234,915	$29,880	$205,035	$16,472,377
19	226	$234,915	$29,513	$205,402	$16,266,975
19	227	$234,915	$29,145	$205,770	$16,061,205
19	228	$234,915	$28,776	$206,139	$15,855,067
20	229	$234,915	$28,407	$206,508	$15,648,559
20	230	$234,915	$28,037	$206,878	$15,441,681
20	231	$234,915	$27,666	$207,249	$15,234,432
20	232	$234,915	$27,295	$207,620	$15,026,812
20	233	$234,915	$26,923	$207,992	$14,818,820
20	234	$234,915	$26,550	$208,365	$14,610,455
20	235	$234,915	$26,177	$208,738	$14,401,718
20	236	$234,915	$25,803	$209,112	$14,192,606
20	237	$234,915	$25,428	$209,487	$13,983,119
20	238	$234,915	$25,053	$209,862	$13,773,257
20	239	$234,915	$24,677	$210,238	$13,563,019
20	240	$234,915	$24,300	$210,615	$13,352,405
21	241	$234,915	$23,923	$210,992	$13,141,413
21	242	$234,915	$23,545	$211,370	$12,930,043
21	243	$234,915	$23,166	$211,749	$12,718,294
21	244	$234,915	$22,787	$212,128	$12,506,166
21	245	$234,915	$22,407	$212,508	$12,293,658
21	246	$234,915	$22,026	$212,889	$12,080,769
21	247	$234,915	$21,645	$213,270	$11,867,499
21	248	$234,915	$21,263	$213,652	$11,653,847
21	249	$234,915	$20,880	$214,035	$11,439,811
21	250	$234,915	$20,496	$214,419	$11,225,393
21	251	$234,915	$20,112	$214,803	$11,010,590
21	252	$234,915	$19,727	$215,188	$10,795,402
22	253	$234,915	$19,342	$215,573	$10,579,829
22	254	$234,915	$18,956	$215,959	$10,363,870
22	255	$234,915	$18,569	$216,346	$10,147,523
22	256	$234,915	$18,181	$216,734	$9,930,789
22	257	$234,915	$17,793	$217,122	$9,713,667
22	258	$234,915	$17,404	$217,511	$9,496,155
22	259	$234,915	$17,014	$217,901	$9,278,254
22	260	$234,915	$16,624	$218,291	$9,059,963
22	261	$234,915	$16,232	$218,683	$8,841,280
22	262	$234,915	$15,841	$219,074	$8,622,206
22	263	$234,915	$15,448	$219,467	$8,402,739
22	264	$234,915	$15,055	$219,860	$8,182,879
23	265	$234,915	$14,661	$220,254	$7,962,625
23	266	$234,915	$14,266	$220,649	$7,741,977
23	267	$234,915	$13,871	$221,044	$7,520,933
23	268	$234,915	$13,475	$221,440	$7,299,493
23	269	$234,915	$13,078	$221,837	$7,077,656
23	270	$234,915	$12,681	$222,234	$6,855,422
23	271	$234,915	$12,283	$222,632	$6,632,789
23	272	$234,915	$11,884	$223,031	$6,409,758
23	273	$234,915	$11,484	$223,431	$6,186,327
23	274	$234,915	$11,084	$223,831	$5,962,496
23	275	$234,915	$10,683	$224,232	$5,738,264
23	276	$234,915	$10,281	$224,634	$5,513,630
24	277	$234,915	$9,879	$225,036	$5,288,594
24	278	$234,915	$9,475	$225,440	$5,063,154
24	279	$234,915	$9,071	$225,844	$4,837,311
24	280	$234,915	$8,667	$226,248	$4,611,062
24	281	$234,915	$8,261	$226,653	$4,384,409
24	282	$234,915	$7,855	$227,060	$4,157,349
24	283	$234,915	$7,449	$227,466	$3,929,883
24	284	$234,915	$7,041	$227,874	$3,702,009
24	285	$234,915	$6,633	$228,282	$3,473,727
24	286	$234,915	$6,224	$228,691	$3,245,036
24	287	$234,915	$5,814	$229,101	$3,015,935
24	288	$234,915	$5,404	$229,511	$2,786,423
25	289	$234,915	$4,992	$229,923	$2,556,500
25	290	$234,915	$4,580	$230,335	$2,326,166
25	291	$234,915	$4,168	$230,747	$2,095,419
25	292	$234,915	$3,754	$231,161	$1,864,258
25	293	$234,915	$3,340	$231,575	$1,632,683
25	294	$234,915	$2,925	$231,990	$1,400,693
25	295	$234,915	$2,510	$232,405	$1,168,288
25	296	$234,915	$2,093	$232,822	$935,466
25	297	$234,915	$1,676	$233,239	$702,227
25	298	$234,915	$1,258	$233,657	$468,570
25	299	$234,915	$840	$234,075	$234,495
25	300	$234,915	$420	$234,495	$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$ 36,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 37,228,000

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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.