Century 21 Centaland Property

Down Payment (HKD)

$155,200,000

Monthly Repayment (HKD)

$1,003,822

Loan Amount (HKD)

$232,800,000

Total Interest (HKD)

$68,346,522

Total Repayment (HKD)

$301,146,522

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$1,003,822	$417,100	$586,722	$232,213,278
1	2	$1,003,822	$416,049	$587,773	$231,625,505
1	3	$1,003,822	$414,996	$588,826	$231,036,679
1	4	$1,003,822	$413,941	$589,881	$230,446,798
1	5	$1,003,822	$412,884	$590,938	$229,855,860
1	6	$1,003,822	$411,825	$591,997	$229,263,864
1	7	$1,003,822	$410,764	$593,057	$228,670,806
1	8	$1,003,822	$409,702	$594,120	$228,076,686
1	9	$1,003,822	$408,637	$595,184	$227,481,502
1	10	$1,003,822	$407,571	$596,251	$226,885,251
1	11	$1,003,822	$406,503	$597,319	$226,287,932
1	12	$1,003,822	$405,433	$598,389	$225,689,543
2	13	$1,003,822	$404,360	$599,461	$225,090,082
2	14	$1,003,822	$403,286	$600,535	$224,489,547
2	15	$1,003,822	$402,210	$601,611	$223,887,935
2	16	$1,003,822	$401,133	$602,689	$223,285,246
2	17	$1,003,822	$400,053	$603,769	$222,681,477
2	18	$1,003,822	$398,971	$604,851	$222,076,626
2	19	$1,003,822	$397,887	$605,934	$221,470,692
2	20	$1,003,822	$396,802	$607,020	$220,863,672
2	21	$1,003,822	$395,714	$608,108	$220,255,564
2	22	$1,003,822	$394,625	$609,197	$219,646,367
2	23	$1,003,822	$393,533	$610,289	$219,036,078
2	24	$1,003,822	$392,440	$611,382	$218,424,696
3	25	$1,003,822	$391,344	$612,477	$217,812,219
3	26	$1,003,822	$390,247	$613,575	$217,198,644
3	27	$1,003,822	$389,148	$614,674	$216,583,970
3	28	$1,003,822	$388,046	$615,775	$215,968,194
3	29	$1,003,822	$386,943	$616,879	$215,351,315
3	30	$1,003,822	$385,838	$617,984	$214,733,331
3	31	$1,003,822	$384,731	$619,091	$214,114,240
3	32	$1,003,822	$383,621	$620,200	$213,494,040
3	33	$1,003,822	$382,510	$621,312	$212,872,728
3	34	$1,003,822	$381,397	$622,425	$212,250,304
3	35	$1,003,822	$380,282	$623,540	$211,626,764
3	36	$1,003,822	$379,165	$624,657	$211,002,106
4	37	$1,003,822	$378,045	$625,776	$210,376,330
4	38	$1,003,822	$376,924	$626,897	$209,749,433
4	39	$1,003,822	$375,801	$628,021	$209,121,412
4	40	$1,003,822	$374,676	$629,146	$208,492,266
4	41	$1,003,822	$373,549	$630,273	$207,861,993
4	42	$1,003,822	$372,419	$631,402	$207,230,591
4	43	$1,003,822	$371,288	$632,534	$206,598,057
4	44	$1,003,822	$370,155	$633,667	$205,964,390
4	45	$1,003,822	$369,020	$634,802	$205,329,588
4	46	$1,003,822	$367,882	$635,940	$204,693,648
4	47	$1,003,822	$366,743	$637,079	$204,056,569
4	48	$1,003,822	$365,601	$638,220	$203,418,349
5	49	$1,003,822	$364,458	$639,364	$202,778,985
5	50	$1,003,822	$363,312	$640,509	$202,138,476
5	51	$1,003,822	$362,165	$641,657	$201,496,819
5	52	$1,003,822	$361,015	$642,807	$200,854,012
5	53	$1,003,822	$359,863	$643,958	$200,210,054
5	54	$1,003,822	$358,710	$645,112	$199,564,942
5	55	$1,003,822	$357,554	$646,268	$198,918,674
5	56	$1,003,822	$356,396	$647,426	$198,271,248
5	57	$1,003,822	$355,236	$648,586	$197,622,662
5	58	$1,003,822	$354,074	$649,748	$196,972,915
5	59	$1,003,822	$352,910	$650,912	$196,322,003
5	60	$1,003,822	$351,744	$652,078	$195,669,925
6	61	$1,003,822	$350,575	$653,246	$195,016,678
6	62	$1,003,822	$349,405	$654,417	$194,362,261
6	63	$1,003,822	$348,232	$655,589	$193,706,672
6	64	$1,003,822	$347,058	$656,764	$193,049,908
6	65	$1,003,822	$345,881	$657,941	$192,391,967
6	66	$1,003,822	$344,702	$659,119	$191,732,848
6	67	$1,003,822	$343,521	$660,300	$191,072,547
6	68	$1,003,822	$342,338	$661,483	$190,411,064
6	69	$1,003,822	$341,153	$662,669	$189,748,395
6	70	$1,003,822	$339,966	$663,856	$189,084,540
6	71	$1,003,822	$338,776	$665,045	$188,419,494
6	72	$1,003,822	$337,585	$666,237	$187,753,257
7	73	$1,003,822	$336,391	$667,430	$187,085,827
7	74	$1,003,822	$335,195	$668,626	$186,417,201
7	75	$1,003,822	$333,997	$669,824	$185,747,376
7	76	$1,003,822	$332,797	$671,024	$185,076,352
7	77	$1,003,822	$331,595	$672,227	$184,404,125
7	78	$1,003,822	$330,391	$673,431	$183,730,694
7	79	$1,003,822	$329,184	$674,638	$183,056,057
7	80	$1,003,822	$327,975	$675,846	$182,380,211
7	81	$1,003,822	$326,765	$677,057	$181,703,153
7	82	$1,003,822	$325,551	$678,270	$181,024,883
7	83	$1,003,822	$324,336	$679,485	$180,345,398
7	84	$1,003,822	$323,119	$680,703	$179,664,695
8	85	$1,003,822	$321,899	$681,922	$178,982,772
8	86	$1,003,822	$320,677	$683,144	$178,299,628
8	87	$1,003,822	$319,454	$684,368	$177,615,260
8	88	$1,003,822	$318,227	$685,594	$176,929,665
8	89	$1,003,822	$316,999	$686,823	$176,242,843
8	90	$1,003,822	$315,768	$688,053	$175,554,789
8	91	$1,003,822	$314,536	$689,286	$174,865,503
8	92	$1,003,822	$313,301	$690,521	$174,174,982
8	93	$1,003,822	$312,064	$691,758	$173,483,224
8	94	$1,003,822	$310,824	$692,998	$172,790,226
8	95	$1,003,822	$309,582	$694,239	$172,095,987
8	96	$1,003,822	$308,339	$695,483	$171,400,504
9	97	$1,003,822	$307,093	$696,729	$170,703,775
9	98	$1,003,822	$305,844	$697,977	$170,005,797
9	99	$1,003,822	$304,594	$699,228	$169,306,569
9	100	$1,003,822	$303,341	$700,481	$168,606,088
9	101	$1,003,822	$302,086	$701,736	$167,904,353
9	102	$1,003,822	$300,829	$702,993	$167,201,359
9	103	$1,003,822	$299,569	$704,253	$166,497,107
9	104	$1,003,822	$298,307	$705,514	$165,791,592
9	105	$1,003,822	$297,043	$706,778	$165,084,814
9	106	$1,003,822	$295,777	$708,045	$164,376,769
9	107	$1,003,822	$294,508	$709,313	$163,667,456
9	108	$1,003,822	$293,238	$710,584	$162,956,872
10	109	$1,003,822	$291,964	$711,857	$162,245,014
10	110	$1,003,822	$290,689	$713,133	$161,531,881
10	111	$1,003,822	$289,411	$714,410	$160,817,471
10	112	$1,003,822	$288,131	$715,690	$160,101,781
10	113	$1,003,822	$286,849	$716,973	$159,384,808
10	114	$1,003,822	$285,564	$718,257	$158,666,551
10	115	$1,003,822	$284,278	$719,544	$157,947,006
10	116	$1,003,822	$282,988	$720,833	$157,226,173
10	117	$1,003,822	$281,697	$722,125	$156,504,048
10	118	$1,003,822	$280,403	$723,419	$155,780,630
10	119	$1,003,822	$279,107	$724,715	$155,055,915
10	120	$1,003,822	$277,809	$726,013	$154,329,902
11	121	$1,003,822	$276,508	$727,314	$153,602,588
11	122	$1,003,822	$275,205	$728,617	$152,873,970
11	123	$1,003,822	$273,899	$729,923	$152,144,048
11	124	$1,003,822	$272,591	$731,230	$151,412,818
11	125	$1,003,822	$271,281	$732,540	$150,680,277
11	126	$1,003,822	$269,969	$733,853	$149,946,424
11	127	$1,003,822	$268,654	$735,168	$149,211,256
11	128	$1,003,822	$267,337	$736,485	$148,474,772
11	129	$1,003,822	$266,017	$737,804	$147,736,967
11	130	$1,003,822	$264,695	$739,126	$146,997,841
11	131	$1,003,822	$263,371	$740,451	$146,257,390
11	132	$1,003,822	$262,044	$741,777	$145,515,613
12	133	$1,003,822	$260,715	$743,106	$144,772,507
12	134	$1,003,822	$259,384	$744,438	$144,028,069
12	135	$1,003,822	$258,050	$745,771	$143,282,298
12	136	$1,003,822	$256,714	$747,108	$142,535,190
12	137	$1,003,822	$255,376	$748,446	$141,786,744
12	138	$1,003,822	$254,035	$749,787	$141,036,957
12	139	$1,003,822	$252,691	$751,131	$140,285,826
12	140	$1,003,822	$251,345	$752,476	$139,533,350
12	141	$1,003,822	$249,997	$753,824	$138,779,525
12	142	$1,003,822	$248,647	$755,175	$138,024,350
12	143	$1,003,822	$247,294	$756,528	$137,267,822
12	144	$1,003,822	$245,938	$757,884	$136,509,938
13	145	$1,003,822	$244,580	$759,241	$135,750,697
13	146	$1,003,822	$243,220	$760,602	$134,990,095
13	147	$1,003,822	$241,857	$761,964	$134,228,131
13	148	$1,003,822	$240,492	$763,330	$133,464,801
13	149	$1,003,822	$239,124	$764,697	$132,700,104
13	150	$1,003,822	$237,754	$766,067	$131,934,036
13	151	$1,003,822	$236,382	$767,440	$131,166,597
13	152	$1,003,822	$235,007	$768,815	$130,397,782
13	153	$1,003,822	$233,629	$770,192	$129,627,589
13	154	$1,003,822	$232,249	$771,572	$128,856,017
13	155	$1,003,822	$230,867	$772,955	$128,083,062
13	156	$1,003,822	$229,482	$774,340	$127,308,723
14	157	$1,003,822	$228,095	$775,727	$126,532,996
14	158	$1,003,822	$226,705	$777,117	$125,755,879
14	159	$1,003,822	$225,313	$778,509	$124,977,370
14	160	$1,003,822	$223,918	$779,904	$124,197,466
14	161	$1,003,822	$222,520	$781,301	$123,416,165
14	162	$1,003,822	$221,121	$782,701	$122,633,463
14	163	$1,003,822	$219,718	$784,103	$121,849,360
14	164	$1,003,822	$218,313	$785,508	$121,063,852
14	165	$1,003,822	$216,906	$786,916	$120,276,936
14	166	$1,003,822	$215,496	$788,326	$119,488,610
14	167	$1,003,822	$214,084	$789,738	$118,698,872
14	168	$1,003,822	$212,669	$791,153	$117,907,720
15	169	$1,003,822	$211,251	$792,570	$117,115,149
15	170	$1,003,822	$209,831	$793,990	$116,321,159
15	171	$1,003,822	$208,409	$795,413	$115,525,746
15	172	$1,003,822	$206,984	$796,838	$114,728,908
15	173	$1,003,822	$205,556	$798,266	$113,930,642
15	174	$1,003,822	$204,126	$799,696	$113,130,946
15	175	$1,003,822	$202,693	$801,129	$112,329,817
15	176	$1,003,822	$201,258	$802,564	$111,527,253
15	177	$1,003,822	$199,820	$804,002	$110,723,251
15	178	$1,003,822	$198,379	$805,443	$109,917,808
15	179	$1,003,822	$196,936	$806,886	$109,110,922
15	180	$1,003,822	$195,490	$808,331	$108,302,591
16	181	$1,003,822	$194,042	$809,780	$107,492,812
16	182	$1,003,822	$192,591	$811,230	$106,681,581
16	183	$1,003,822	$191,138	$812,684	$105,868,897
16	184	$1,003,822	$189,682	$814,140	$105,054,757
16	185	$1,003,822	$188,223	$815,599	$104,239,159
16	186	$1,003,822	$186,762	$817,060	$103,422,099
16	187	$1,003,822	$185,298	$818,524	$102,603,575
16	188	$1,003,822	$183,831	$819,990	$101,783,585
16	189	$1,003,822	$182,362	$821,459	$100,962,125
16	190	$1,003,822	$180,890	$822,931	$100,139,194
16	191	$1,003,822	$179,416	$824,406	$99,314,788
16	192	$1,003,822	$177,939	$825,883	$98,488,905
17	193	$1,003,822	$176,459	$827,362	$97,661,543
17	194	$1,003,822	$174,977	$828,845	$96,832,698
17	195	$1,003,822	$173,492	$830,330	$96,002,368
17	196	$1,003,822	$172,004	$831,817	$95,170,551
17	197	$1,003,822	$170,514	$833,308	$94,337,243
17	198	$1,003,822	$169,021	$834,801	$93,502,442
17	199	$1,003,822	$167,525	$836,297	$92,666,146
17	200	$1,003,822	$166,027	$837,795	$91,828,351
17	201	$1,003,822	$164,526	$839,296	$90,989,055
17	202	$1,003,822	$163,022	$840,800	$90,148,255
17	203	$1,003,822	$161,516	$842,306	$89,305,949
17	204	$1,003,822	$160,006	$843,815	$88,462,134
18	205	$1,003,822	$158,495	$845,327	$87,616,807
18	206	$1,003,822	$156,980	$846,842	$86,769,965
18	207	$1,003,822	$155,463	$848,359	$85,921,606
18	208	$1,003,822	$153,943	$849,879	$85,071,727
18	209	$1,003,822	$152,420	$851,402	$84,220,326
18	210	$1,003,822	$150,895	$852,927	$83,367,399
18	211	$1,003,822	$149,367	$854,455	$82,512,943
18	212	$1,003,822	$147,836	$855,986	$81,656,957
18	213	$1,003,822	$146,302	$857,520	$80,799,438
18	214	$1,003,822	$144,766	$859,056	$79,940,382
18	215	$1,003,822	$143,227	$860,595	$79,079,786
18	216	$1,003,822	$141,685	$862,137	$78,217,649
19	217	$1,003,822	$140,140	$863,682	$77,353,967
19	218	$1,003,822	$138,593	$865,229	$76,488,738
19	219	$1,003,822	$137,042	$866,779	$75,621,959
19	220	$1,003,822	$135,489	$868,332	$74,753,626
19	221	$1,003,822	$133,934	$869,888	$73,883,738
19	222	$1,003,822	$132,375	$871,447	$73,012,292
19	223	$1,003,822	$130,814	$873,008	$72,139,284
19	224	$1,003,822	$129,250	$874,572	$71,264,711
19	225	$1,003,822	$127,683	$876,139	$70,388,572
19	226	$1,003,822	$126,113	$877,709	$69,510,863
19	227	$1,003,822	$124,540	$879,281	$68,631,582
19	228	$1,003,822	$122,965	$880,857	$67,750,725
20	229	$1,003,822	$121,387	$882,435	$66,868,290
20	230	$1,003,822	$119,806	$884,016	$65,984,274
20	231	$1,003,822	$118,222	$885,600	$65,098,674
20	232	$1,003,822	$116,635	$887,187	$64,211,487
20	233	$1,003,822	$115,046	$888,776	$63,322,711
20	234	$1,003,822	$113,453	$890,369	$62,432,343
20	235	$1,003,822	$111,858	$891,964	$61,540,379
20	236	$1,003,822	$110,260	$893,562	$60,646,817
20	237	$1,003,822	$108,659	$895,163	$59,751,654
20	238	$1,003,822	$107,055	$896,767	$58,854,888
20	239	$1,003,822	$105,448	$898,373	$57,956,514
20	240	$1,003,822	$103,839	$899,983	$57,056,531
21	241	$1,003,822	$102,226	$901,595	$56,154,936
21	242	$1,003,822	$100,611	$903,211	$55,251,725
21	243	$1,003,822	$98,993	$904,829	$54,346,896
21	244	$1,003,822	$97,372	$906,450	$53,440,446
21	245	$1,003,822	$95,747	$908,074	$52,532,371
21	246	$1,003,822	$94,120	$909,701	$51,622,670
21	247	$1,003,822	$92,491	$911,331	$50,711,339
21	248	$1,003,822	$90,858	$912,964	$49,798,375
21	249	$1,003,822	$89,222	$914,600	$48,883,775
21	250	$1,003,822	$87,583	$916,238	$47,967,537
21	251	$1,003,822	$85,942	$917,880	$47,049,657
21	252	$1,003,822	$84,297	$919,524	$46,130,133
22	253	$1,003,822	$82,650	$921,172	$45,208,961
22	254	$1,003,822	$80,999	$922,822	$44,286,138
22	255	$1,003,822	$79,346	$924,476	$43,361,663
22	256	$1,003,822	$77,690	$926,132	$42,435,531
22	257	$1,003,822	$76,030	$927,791	$41,507,739
22	258	$1,003,822	$74,368	$929,454	$40,578,285
22	259	$1,003,822	$72,703	$931,119	$39,647,166
22	260	$1,003,822	$71,035	$932,787	$38,714,379
22	261	$1,003,822	$69,363	$934,458	$37,779,921
22	262	$1,003,822	$67,689	$936,133	$36,843,788
22	263	$1,003,822	$66,012	$937,810	$35,905,978
22	264	$1,003,822	$64,332	$939,490	$34,966,488
23	265	$1,003,822	$62,648	$941,173	$34,025,314
23	266	$1,003,822	$60,962	$942,860	$33,082,455
23	267	$1,003,822	$59,273	$944,549	$32,137,906
23	268	$1,003,822	$57,580	$946,241	$31,191,664
23	269	$1,003,822	$55,885	$947,937	$30,243,728
23	270	$1,003,822	$54,187	$949,635	$29,294,093
23	271	$1,003,822	$52,485	$951,336	$28,342,756
23	272	$1,003,822	$50,781	$953,041	$27,389,715
23	273	$1,003,822	$49,073	$954,749	$26,434,967
23	274	$1,003,822	$47,363	$956,459	$25,478,508
23	275	$1,003,822	$45,649	$958,173	$24,520,335
23	276	$1,003,822	$43,932	$959,889	$23,560,445
24	277	$1,003,822	$42,212	$961,609	$22,598,836
24	278	$1,003,822	$40,490	$963,332	$21,635,504
24	279	$1,003,822	$38,764	$965,058	$20,670,446
24	280	$1,003,822	$37,035	$966,787	$19,703,659
24	281	$1,003,822	$35,302	$968,519	$18,735,139
24	282	$1,003,822	$33,567	$970,255	$17,764,885
24	283	$1,003,822	$31,829	$971,993	$16,792,892
24	284	$1,003,822	$30,087	$973,734	$15,819,157
24	285	$1,003,822	$28,343	$975,479	$14,843,678
24	286	$1,003,822	$26,595	$977,227	$13,866,451
24	287	$1,003,822	$24,844	$978,978	$12,887,474
24	288	$1,003,822	$23,090	$980,732	$11,906,742
25	289	$1,003,822	$21,333	$982,489	$10,924,253
25	290	$1,003,822	$19,573	$984,249	$9,940,004
25	291	$1,003,822	$17,809	$986,013	$8,953,991
25	292	$1,003,822	$16,043	$987,779	$7,966,212
25	293	$1,003,822	$14,273	$989,549	$6,976,663
25	294	$1,003,822	$12,500	$991,322	$5,985,341
25	295	$1,003,822	$10,724	$993,098	$4,992,243
25	296	$1,003,822	$8,944	$994,877	$3,997,366
25	297	$1,003,822	$7,162	$996,660	$3,000,706
25	298	$1,003,822	$5,376	$998,445	$2,002,261
25	299	$1,003,822	$3,587	$1,000,234	$1,002,026
25	300	$1,003,822	$1,795	$1,002,026	$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$ 155,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 159,080,000

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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.