Century 21 Centaland Property

Down Payment (HKD)

$13,520,000

Monthly Repayment (HKD)

$87,446

Loan Amount (HKD)

$20,280,000

Total Interest (HKD)

$5,953,898

Total Repayment (HKD)

$26,233,898

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$87,446	$36,335	$51,111	$20,228,889
1	2	$87,446	$36,243	$51,203	$20,177,686
1	3	$87,446	$36,152	$51,295	$20,126,391
1	4	$87,446	$36,060	$51,387	$20,075,005
1	5	$87,446	$35,968	$51,479	$20,023,526
1	6	$87,446	$35,875	$51,571	$19,971,955
1	7	$87,446	$35,783	$51,663	$19,920,292
1	8	$87,446	$35,691	$51,756	$19,868,536
1	9	$87,446	$35,598	$51,849	$19,816,688
1	10	$87,446	$35,505	$51,941	$19,764,746
1	11	$87,446	$35,412	$52,034	$19,712,712
1	12	$87,446	$35,319	$52,128	$19,660,584
2	13	$87,446	$35,225	$52,221	$19,608,363
2	14	$87,446	$35,132	$52,315	$19,556,048
2	15	$87,446	$35,038	$52,408	$19,503,640
2	16	$87,446	$34,944	$52,502	$19,451,137
2	17	$87,446	$34,850	$52,596	$19,398,541
2	18	$87,446	$34,756	$52,691	$19,345,850
2	19	$87,446	$34,661	$52,785	$19,293,065
2	20	$87,446	$34,567	$52,880	$19,240,186
2	21	$87,446	$34,472	$52,974	$19,187,212
2	22	$87,446	$34,377	$53,069	$19,134,142
2	23	$87,446	$34,282	$53,164	$19,080,978
2	24	$87,446	$34,187	$53,260	$19,027,718
3	25	$87,446	$34,091	$53,355	$18,974,363
3	26	$87,446	$33,996	$53,451	$18,920,913
3	27	$87,446	$33,900	$53,546	$18,867,366
3	28	$87,446	$33,804	$53,642	$18,813,724
3	29	$87,446	$33,708	$53,738	$18,759,986
3	30	$87,446	$33,612	$53,835	$18,706,151
3	31	$87,446	$33,515	$53,931	$18,652,220
3	32	$87,446	$33,419	$54,028	$18,598,192
3	33	$87,446	$33,322	$54,125	$18,544,068
3	34	$87,446	$33,225	$54,222	$18,489,846
3	35	$87,446	$33,128	$54,319	$18,435,527
3	36	$87,446	$33,030	$54,416	$18,381,111
4	37	$87,446	$32,933	$54,514	$18,326,598
4	38	$87,446	$32,835	$54,611	$18,271,987
4	39	$87,446	$32,737	$54,709	$18,217,278
4	40	$87,446	$32,639	$54,807	$18,162,471
4	41	$87,446	$32,541	$54,905	$18,107,565
4	42	$87,446	$32,443	$55,004	$18,052,562
4	43	$87,446	$32,344	$55,102	$17,997,460
4	44	$87,446	$32,245	$55,201	$17,942,259
4	45	$87,446	$32,147	$55,300	$17,886,959
4	46	$87,446	$32,047	$55,399	$17,831,560
4	47	$87,446	$31,948	$55,498	$17,776,062
4	48	$87,446	$31,849	$55,598	$17,720,464
5	49	$87,446	$31,749	$55,697	$17,664,767
5	50	$87,446	$31,649	$55,797	$17,608,970
5	51	$87,446	$31,549	$55,897	$17,553,073
5	52	$87,446	$31,449	$55,997	$17,497,076
5	53	$87,446	$31,349	$56,097	$17,440,979
5	54	$87,446	$31,248	$56,198	$17,384,781
5	55	$87,446	$31,148	$56,299	$17,328,482
5	56	$87,446	$31,047	$56,399	$17,272,083
5	57	$87,446	$30,946	$56,501	$17,215,582
5	58	$87,446	$30,845	$56,602	$17,158,981
5	59	$87,446	$30,743	$56,703	$17,102,278
5	60	$87,446	$30,642	$56,805	$17,045,473
6	61	$87,446	$30,540	$56,907	$16,988,566
6	62	$87,446	$30,438	$57,008	$16,931,558
6	63	$87,446	$30,336	$57,111	$16,874,447
6	64	$87,446	$30,233	$57,213	$16,817,234
6	65	$87,446	$30,131	$57,315	$16,759,919
6	66	$87,446	$30,028	$57,418	$16,702,501
6	67	$87,446	$29,925	$57,521	$16,644,980
6	68	$87,446	$29,822	$57,624	$16,587,356
6	69	$87,446	$29,719	$57,727	$16,529,628
6	70	$87,446	$29,616	$57,831	$16,471,798
6	71	$87,446	$29,512	$57,934	$16,413,863
6	72	$87,446	$29,408	$58,038	$16,355,825
7	73	$87,446	$29,304	$58,142	$16,297,683
7	74	$87,446	$29,200	$58,246	$16,239,437
7	75	$87,446	$29,096	$58,351	$16,181,086
7	76	$87,446	$28,991	$58,455	$16,122,631
7	77	$87,446	$28,886	$58,560	$16,064,071
7	78	$87,446	$28,781	$58,665	$16,005,406
7	79	$87,446	$28,676	$58,770	$15,946,636
7	80	$87,446	$28,571	$58,875	$15,887,761
7	81	$87,446	$28,466	$58,981	$15,828,780
7	82	$87,446	$28,360	$59,086	$15,769,693
7	83	$87,446	$28,254	$59,192	$15,710,501
7	84	$87,446	$28,148	$59,298	$15,651,203
8	85	$87,446	$28,042	$59,405	$15,591,798
8	86	$87,446	$27,935	$59,511	$15,532,287
8	87	$87,446	$27,829	$59,618	$15,472,670
8	88	$87,446	$27,722	$59,724	$15,412,945
8	89	$87,446	$27,615	$59,831	$15,353,114
8	90	$87,446	$27,508	$59,939	$15,293,175
8	91	$87,446	$27,400	$60,046	$15,233,129
8	92	$87,446	$27,293	$60,154	$15,172,975
8	93	$87,446	$27,185	$60,261	$15,112,714
8	94	$87,446	$27,077	$60,369	$15,052,344
8	95	$87,446	$26,969	$60,478	$14,991,867
8	96	$87,446	$26,860	$60,586	$14,931,281
9	97	$87,446	$26,752	$60,694	$14,870,587
9	98	$87,446	$26,643	$60,803	$14,809,783
9	99	$87,446	$26,534	$60,912	$14,748,871
9	100	$87,446	$26,425	$61,021	$14,687,850
9	101	$87,446	$26,316	$61,131	$14,626,719
9	102	$87,446	$26,206	$61,240	$14,565,479
9	103	$87,446	$26,096	$61,350	$14,504,129
9	104	$87,446	$25,987	$61,460	$14,442,670
9	105	$87,446	$25,876	$61,570	$14,381,100
9	106	$87,446	$25,766	$61,680	$14,319,420
9	107	$87,446	$25,656	$61,791	$14,257,629
9	108	$87,446	$25,545	$61,901	$14,195,727
10	109	$87,446	$25,434	$62,012	$14,133,715
10	110	$87,446	$25,323	$62,123	$14,071,592
10	111	$87,446	$25,212	$62,235	$14,009,357
10	112	$87,446	$25,100	$62,346	$13,947,011
10	113	$87,446	$24,988	$62,458	$13,884,553
10	114	$87,446	$24,876	$62,570	$13,821,983
10	115	$87,446	$24,764	$62,682	$13,759,301
10	116	$87,446	$24,652	$62,794	$13,696,507
10	117	$87,446	$24,540	$62,907	$13,633,600
10	118	$87,446	$24,427	$63,019	$13,570,581
10	119	$87,446	$24,314	$63,132	$13,507,448
10	120	$87,446	$24,201	$63,245	$13,444,203
11	121	$87,446	$24,088	$63,359	$13,380,844
11	122	$87,446	$23,974	$63,472	$13,317,372
11	123	$87,446	$23,860	$63,586	$13,253,786
11	124	$87,446	$23,746	$63,700	$13,190,086
11	125	$87,446	$23,632	$63,814	$13,126,272
11	126	$87,446	$23,518	$63,928	$13,062,343
11	127	$87,446	$23,403	$64,043	$12,998,300
11	128	$87,446	$23,289	$64,158	$12,934,142
11	129	$87,446	$23,174	$64,273	$12,869,870
11	130	$87,446	$23,059	$64,388	$12,805,482
11	131	$87,446	$22,943	$64,503	$12,740,979
11	132	$87,446	$22,828	$64,619	$12,676,360
12	133	$87,446	$22,712	$64,735	$12,611,626
12	134	$87,446	$22,596	$64,850	$12,546,775
12	135	$87,446	$22,480	$64,967	$12,481,808
12	136	$87,446	$22,363	$65,083	$12,416,725
12	137	$87,446	$22,247	$65,200	$12,351,526
12	138	$87,446	$22,130	$65,317	$12,286,209
12	139	$87,446	$22,013	$65,434	$12,220,776
12	140	$87,446	$21,896	$65,551	$12,155,225
12	141	$87,446	$21,778	$65,668	$12,089,557
12	142	$87,446	$21,660	$65,786	$12,023,771
12	143	$87,446	$21,543	$65,904	$11,957,867
12	144	$87,446	$21,425	$66,022	$11,891,845
13	145	$87,446	$21,306	$66,140	$11,825,705
13	146	$87,446	$21,188	$66,259	$11,759,446
13	147	$87,446	$21,069	$66,377	$11,693,069
13	148	$87,446	$20,950	$66,496	$11,626,573
13	149	$87,446	$20,831	$66,615	$11,559,957
13	150	$87,446	$20,712	$66,735	$11,493,223
13	151	$87,446	$20,592	$66,854	$11,426,368
13	152	$87,446	$20,472	$66,974	$11,359,394
13	153	$87,446	$20,352	$67,094	$11,292,300
13	154	$87,446	$20,232	$67,214	$11,225,086
13	155	$87,446	$20,112	$67,335	$11,157,751
13	156	$87,446	$19,991	$67,455	$11,090,296
14	157	$87,446	$19,870	$67,576	$11,022,720
14	158	$87,446	$19,749	$67,697	$10,955,022
14	159	$87,446	$19,628	$67,819	$10,887,204
14	160	$87,446	$19,506	$67,940	$10,819,264
14	161	$87,446	$19,385	$68,062	$10,751,202
14	162	$87,446	$19,263	$68,184	$10,683,018
14	163	$87,446	$19,140	$68,306	$10,614,712
14	164	$87,446	$19,018	$68,428	$10,546,284
14	165	$87,446	$18,895	$68,551	$10,477,733
14	166	$87,446	$18,773	$68,674	$10,409,059
14	167	$87,446	$18,650	$68,797	$10,340,263
14	168	$87,446	$18,526	$68,920	$10,271,343
15	169	$87,446	$18,403	$69,044	$10,202,299
15	170	$87,446	$18,279	$69,167	$10,133,132
15	171	$87,446	$18,155	$69,291	$10,063,841
15	172	$87,446	$18,031	$69,415	$9,994,425
15	173	$87,446	$17,907	$69,540	$9,924,886
15	174	$87,446	$17,782	$69,664	$9,855,222
15	175	$87,446	$17,657	$69,789	$9,785,433
15	176	$87,446	$17,532	$69,914	$9,715,518
15	177	$87,446	$17,407	$70,039	$9,645,479
15	178	$87,446	$17,281	$70,165	$9,575,314
15	179	$87,446	$17,156	$70,291	$9,505,024
15	180	$87,446	$17,030	$70,416	$9,434,607
16	181	$87,446	$16,904	$70,543	$9,364,065
16	182	$87,446	$16,777	$70,669	$9,293,395
16	183	$87,446	$16,651	$70,796	$9,222,600
16	184	$87,446	$16,524	$70,923	$9,151,677
16	185	$87,446	$16,397	$71,050	$9,080,628
16	186	$87,446	$16,269	$71,177	$9,009,451
16	187	$87,446	$16,142	$71,304	$8,938,146
16	188	$87,446	$16,014	$71,432	$8,866,714
16	189	$87,446	$15,886	$71,560	$8,795,154
16	190	$87,446	$15,758	$71,688	$8,723,466
16	191	$87,446	$15,630	$71,817	$8,651,649
16	192	$87,446	$15,501	$71,945	$8,579,704
17	193	$87,446	$15,372	$72,074	$8,507,629
17	194	$87,446	$15,243	$72,203	$8,435,426
17	195	$87,446	$15,113	$72,333	$8,363,093
17	196	$87,446	$14,984	$72,462	$8,290,630
17	197	$87,446	$14,854	$72,592	$8,218,038
17	198	$87,446	$14,724	$72,722	$8,145,316
17	199	$87,446	$14,594	$72,853	$8,072,463
17	200	$87,446	$14,463	$72,983	$7,999,480
17	201	$87,446	$14,332	$73,114	$7,926,366
17	202	$87,446	$14,201	$73,245	$7,853,121
17	203	$87,446	$14,070	$73,376	$7,779,745
17	204	$87,446	$13,939	$73,508	$7,706,237
18	205	$87,446	$13,807	$73,639	$7,632,598
18	206	$87,446	$13,675	$73,771	$7,558,827
18	207	$87,446	$13,543	$73,903	$7,484,923
18	208	$87,446	$13,410	$74,036	$7,410,888
18	209	$87,446	$13,278	$74,168	$7,336,719
18	210	$87,446	$13,145	$74,301	$7,262,418
18	211	$87,446	$13,012	$74,434	$7,187,983
18	212	$87,446	$12,878	$74,568	$7,113,415
18	213	$87,446	$12,745	$74,701	$7,038,714
18	214	$87,446	$12,611	$74,835	$6,963,879
18	215	$87,446	$12,477	$74,969	$6,888,909
18	216	$87,446	$12,343	$75,104	$6,813,806
19	217	$87,446	$12,208	$75,238	$6,738,567
19	218	$87,446	$12,073	$75,373	$6,663,194
19	219	$87,446	$11,938	$75,508	$6,587,686
19	220	$87,446	$11,803	$75,643	$6,512,043
19	221	$87,446	$11,667	$75,779	$6,436,264
19	222	$87,446	$11,532	$75,915	$6,360,349
19	223	$87,446	$11,396	$76,051	$6,284,298
19	224	$87,446	$11,259	$76,187	$6,208,111
19	225	$87,446	$11,123	$76,323	$6,131,788
19	226	$87,446	$10,986	$76,460	$6,055,328
19	227	$87,446	$10,849	$76,597	$5,978,731
19	228	$87,446	$10,712	$76,734	$5,901,996
20	229	$87,446	$10,574	$76,872	$5,825,124
20	230	$87,446	$10,437	$77,010	$5,748,115
20	231	$87,446	$10,299	$77,148	$5,670,967
20	232	$87,446	$10,160	$77,286	$5,593,681
20	233	$87,446	$10,022	$77,424	$5,516,257
20	234	$87,446	$9,883	$77,563	$5,438,694
20	235	$87,446	$9,744	$77,702	$5,360,992
20	236	$87,446	$9,605	$77,841	$5,283,151
20	237	$87,446	$9,466	$77,981	$5,205,170
20	238	$87,446	$9,326	$78,120	$5,127,049
20	239	$87,446	$9,186	$78,260	$5,048,789
20	240	$87,446	$9,046	$78,401	$4,970,389
21	241	$87,446	$8,905	$78,541	$4,891,847
21	242	$87,446	$8,765	$78,682	$4,813,166
21	243	$87,446	$8,624	$78,823	$4,734,343
21	244	$87,446	$8,482	$78,964	$4,655,379
21	245	$87,446	$8,341	$79,105	$4,576,274
21	246	$87,446	$8,199	$79,247	$4,497,026
21	247	$87,446	$8,057	$79,389	$4,417,637
21	248	$87,446	$7,915	$79,531	$4,338,106
21	249	$87,446	$7,772	$79,674	$4,258,432
21	250	$87,446	$7,630	$79,817	$4,178,615
21	251	$87,446	$7,487	$79,960	$4,098,656
21	252	$87,446	$7,343	$80,103	$4,018,553
22	253	$87,446	$7,200	$80,246	$3,938,306
22	254	$87,446	$7,056	$80,390	$3,857,916
22	255	$87,446	$6,912	$80,534	$3,777,382
22	256	$87,446	$6,768	$80,679	$3,696,703
22	257	$87,446	$6,623	$80,823	$3,615,880
22	258	$87,446	$6,478	$80,968	$3,534,912
22	259	$87,446	$6,333	$81,113	$3,453,800
22	260	$87,446	$6,188	$81,258	$3,372,541
22	261	$87,446	$6,042	$81,404	$3,291,137
22	262	$87,446	$5,897	$81,550	$3,209,588
22	263	$87,446	$5,751	$81,696	$3,127,892
22	264	$87,446	$5,604	$81,842	$3,046,050
23	265	$87,446	$5,458	$81,989	$2,964,061
23	266	$87,446	$5,311	$82,136	$2,881,925
23	267	$87,446	$5,163	$82,283	$2,799,642
23	268	$87,446	$5,016	$82,430	$2,717,212
23	269	$87,446	$4,868	$82,578	$2,634,634
23	270	$87,446	$4,720	$82,726	$2,551,908
23	271	$87,446	$4,572	$82,874	$2,469,034
23	272	$87,446	$4,424	$83,023	$2,386,011
23	273	$87,446	$4,275	$83,171	$2,302,840
23	274	$87,446	$4,126	$83,320	$2,219,519
23	275	$87,446	$3,977	$83,470	$2,136,050
23	276	$87,446	$3,827	$83,619	$2,052,431
24	277	$87,446	$3,677	$83,769	$1,968,661
24	278	$87,446	$3,527	$83,919	$1,884,742
24	279	$87,446	$3,377	$84,069	$1,800,673
24	280	$87,446	$3,226	$84,220	$1,716,453
24	281	$87,446	$3,075	$84,371	$1,632,082
24	282	$87,446	$2,924	$84,522	$1,547,560
24	283	$87,446	$2,773	$84,674	$1,462,886
24	284	$87,446	$2,621	$84,825	$1,378,061
24	285	$87,446	$2,469	$84,977	$1,293,083
24	286	$87,446	$2,317	$85,130	$1,207,954
24	287	$87,446	$2,164	$85,282	$1,122,672
24	288	$87,446	$2,011	$85,435	$1,037,237
25	289	$87,446	$1,858	$85,588	$951,649
25	290	$87,446	$1,705	$85,741	$865,908
25	291	$87,446	$1,551	$85,895	$780,013
25	292	$87,446	$1,398	$86,049	$693,964
25	293	$87,446	$1,243	$86,203	$607,761
25	294	$87,446	$1,089	$86,357	$521,403
25	295	$87,446	$934	$86,512	$434,891
25	296	$87,446	$779	$86,667	$348,224
25	297	$87,446	$624	$86,822	$261,402
25	298	$87,446	$468	$86,978	$174,424
25	299	$87,446	$313	$87,134	$87,290
25	300	$87,446	$156	$87,290	$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$ 13,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 13,858,000

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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.