Century 21 Centaland Property

Down Payment (HKD)

$9,560,000

Monthly Repayment (HKD)

$61,833

Loan Amount (HKD)

$14,340,000

Total Interest (HKD)

$4,210,005

Total Repayment (HKD)

$18,550,005

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$61,833	$25,693	$36,141	$14,303,859
1	2	$61,833	$25,628	$36,206	$14,267,654
1	3	$61,833	$25,563	$36,270	$14,231,383
1	4	$61,833	$25,498	$36,335	$14,195,048
1	5	$61,833	$25,433	$36,401	$14,158,647
1	6	$61,833	$25,368	$36,466	$14,122,181
1	7	$61,833	$25,302	$36,531	$14,085,650
1	8	$61,833	$25,237	$36,597	$14,049,054
1	9	$61,833	$25,171	$36,662	$14,012,391
1	10	$61,833	$25,106	$36,728	$13,975,664
1	11	$61,833	$25,040	$36,794	$13,938,870
1	12	$61,833	$24,974	$36,860	$13,902,011
2	13	$61,833	$24,908	$36,926	$13,865,085
2	14	$61,833	$24,842	$36,992	$13,828,093
2	15	$61,833	$24,775	$37,058	$13,791,035
2	16	$61,833	$24,709	$37,124	$13,753,911
2	17	$61,833	$24,642	$37,191	$13,716,720
2	18	$61,833	$24,576	$37,258	$13,679,462
2	19	$61,833	$24,509	$37,324	$13,642,138
2	20	$61,833	$24,442	$37,391	$13,604,747
2	21	$61,833	$24,375	$37,458	$13,567,289
2	22	$61,833	$24,308	$37,525	$13,529,763
2	23	$61,833	$24,241	$37,593	$13,492,171
2	24	$61,833	$24,173	$37,660	$13,454,511
3	25	$61,833	$24,106	$37,727	$13,416,784
3	26	$61,833	$24,038	$37,795	$13,378,989
3	27	$61,833	$23,971	$37,863	$13,341,126
3	28	$61,833	$23,903	$37,930	$13,303,195
3	29	$61,833	$23,835	$37,998	$13,265,197
3	30	$61,833	$23,767	$38,067	$13,227,130
3	31	$61,833	$23,699	$38,135	$13,188,996
3	32	$61,833	$23,630	$38,203	$13,150,793
3	33	$61,833	$23,562	$38,272	$13,112,521
3	34	$61,833	$23,493	$38,340	$13,074,181
3	35	$61,833	$23,425	$38,409	$13,035,772
3	36	$61,833	$23,356	$38,478	$12,997,295
4	37	$61,833	$23,287	$38,547	$12,958,748
4	38	$61,833	$23,218	$38,616	$12,920,133
4	39	$61,833	$23,149	$38,685	$12,881,448
4	40	$61,833	$23,079	$38,754	$12,842,694
4	41	$61,833	$23,010	$38,824	$12,803,870
4	42	$61,833	$22,940	$38,893	$12,764,977
4	43	$61,833	$22,871	$38,963	$12,726,014
4	44	$61,833	$22,801	$39,033	$12,686,982
4	45	$61,833	$22,731	$39,103	$12,647,879
4	46	$61,833	$22,661	$39,173	$12,608,707
4	47	$61,833	$22,591	$39,243	$12,569,464
4	48	$61,833	$22,520	$39,313	$12,530,151
5	49	$61,833	$22,450	$39,383	$12,490,767
5	50	$61,833	$22,379	$39,454	$12,451,313
5	51	$61,833	$22,309	$39,525	$12,411,789
5	52	$61,833	$22,238	$39,596	$12,372,193
5	53	$61,833	$22,167	$39,667	$12,332,527
5	54	$61,833	$22,096	$39,738	$12,292,789
5	55	$61,833	$22,025	$39,809	$12,252,980
5	56	$61,833	$21,953	$39,880	$12,213,100
5	57	$61,833	$21,882	$39,952	$12,173,149
5	58	$61,833	$21,810	$40,023	$12,133,125
5	59	$61,833	$21,739	$40,095	$12,093,031
5	60	$61,833	$21,667	$40,167	$12,052,864
6	61	$61,833	$21,595	$40,239	$12,012,625
6	62	$61,833	$21,523	$40,311	$11,972,315
6	63	$61,833	$21,450	$40,383	$11,931,932
6	64	$61,833	$21,378	$40,455	$11,891,476
6	65	$61,833	$21,306	$40,528	$11,850,949
6	66	$61,833	$21,233	$40,600	$11,810,348
6	67	$61,833	$21,160	$40,673	$11,769,675
6	68	$61,833	$21,087	$40,746	$11,728,929
6	69	$61,833	$21,014	$40,819	$11,688,110
6	70	$61,833	$20,941	$40,892	$11,647,218
6	71	$61,833	$20,868	$40,965	$11,606,252
6	72	$61,833	$20,795	$41,039	$11,565,214
7	73	$61,833	$20,721	$41,112	$11,524,101
7	74	$61,833	$20,647	$41,186	$11,482,915
7	75	$61,833	$20,574	$41,260	$11,441,655
7	76	$61,833	$20,500	$41,334	$11,400,322
7	77	$61,833	$20,426	$41,408	$11,358,914
7	78	$61,833	$20,351	$41,482	$11,317,432
7	79	$61,833	$20,277	$41,556	$11,275,876
7	80	$61,833	$20,203	$41,631	$11,234,245
7	81	$61,833	$20,128	$41,705	$11,192,540
7	82	$61,833	$20,053	$41,780	$11,150,760
7	83	$61,833	$19,978	$41,855	$11,108,905
7	84	$61,833	$19,903	$41,930	$11,066,975
8	85	$61,833	$19,828	$42,005	$11,024,970
8	86	$61,833	$19,753	$42,080	$10,982,889
8	87	$61,833	$19,678	$42,156	$10,940,734
8	88	$61,833	$19,602	$42,231	$10,898,503
8	89	$61,833	$19,526	$42,307	$10,856,196
8	90	$61,833	$19,451	$42,383	$10,813,813
8	91	$61,833	$19,375	$42,459	$10,771,354
8	92	$61,833	$19,299	$42,535	$10,728,820
8	93	$61,833	$19,222	$42,611	$10,686,209
8	94	$61,833	$19,146	$42,687	$10,643,522
8	95	$61,833	$19,070	$42,764	$10,600,758
8	96	$61,833	$18,993	$42,840	$10,557,918
9	97	$61,833	$18,916	$42,917	$10,515,001
9	98	$61,833	$18,839	$42,994	$10,472,007
9	99	$61,833	$18,762	$43,071	$10,428,936
9	100	$61,833	$18,685	$43,148	$10,385,787
9	101	$61,833	$18,608	$43,225	$10,342,562
9	102	$61,833	$18,530	$43,303	$10,299,259
9	103	$61,833	$18,453	$43,381	$10,255,878
9	104	$61,833	$18,375	$43,458	$10,212,420
9	105	$61,833	$18,297	$43,536	$10,168,884
9	106	$61,833	$18,219	$43,614	$10,125,270
9	107	$61,833	$18,141	$43,692	$10,081,578
9	108	$61,833	$18,063	$43,771	$10,037,807
10	109	$61,833	$17,984	$43,849	$9,993,958
10	110	$61,833	$17,906	$43,928	$9,950,031
10	111	$61,833	$17,827	$44,006	$9,906,025
10	112	$61,833	$17,748	$44,085	$9,861,940
10	113	$61,833	$17,669	$44,164	$9,817,776
10	114	$61,833	$17,590	$44,243	$9,773,532
10	115	$61,833	$17,511	$44,322	$9,729,210
10	116	$61,833	$17,432	$44,402	$9,684,808
10	117	$61,833	$17,352	$44,481	$9,640,327
10	118	$61,833	$17,272	$44,561	$9,595,766
10	119	$61,833	$17,192	$44,641	$9,551,125
10	120	$61,833	$17,112	$44,721	$9,506,404
11	121	$61,833	$17,032	$44,801	$9,461,603
11	122	$61,833	$16,952	$44,881	$9,416,721
11	123	$61,833	$16,872	$44,962	$9,371,760
11	124	$61,833	$16,791	$45,042	$9,326,717
11	125	$61,833	$16,710	$45,123	$9,281,594
11	126	$61,833	$16,630	$45,204	$9,236,391
11	127	$61,833	$16,549	$45,285	$9,191,106
11	128	$61,833	$16,467	$45,366	$9,145,740
11	129	$61,833	$16,386	$45,447	$9,100,293
11	130	$61,833	$16,305	$45,529	$9,054,764
11	131	$61,833	$16,223	$45,610	$9,009,154
11	132	$61,833	$16,141	$45,692	$8,963,462
12	133	$61,833	$16,060	$45,774	$8,917,688
12	134	$61,833	$15,978	$45,856	$8,871,832
12	135	$61,833	$15,895	$45,938	$8,825,894
12	136	$61,833	$15,813	$46,020	$8,779,874
12	137	$61,833	$15,731	$46,103	$8,733,771
12	138	$61,833	$15,648	$46,185	$8,687,586
12	139	$61,833	$15,565	$46,268	$8,641,318
12	140	$61,833	$15,482	$46,351	$8,594,967
12	141	$61,833	$15,399	$46,434	$8,548,533
12	142	$61,833	$15,316	$46,517	$8,502,015
12	143	$61,833	$15,233	$46,601	$8,455,415
12	144	$61,833	$15,149	$46,684	$8,408,731
13	145	$61,833	$15,066	$46,768	$8,361,963
13	146	$61,833	$14,982	$46,851	$8,315,112
13	147	$61,833	$14,898	$46,935	$8,268,176
13	148	$61,833	$14,814	$47,020	$8,221,157
13	149	$61,833	$14,730	$47,104	$8,174,053
13	150	$61,833	$14,645	$47,188	$8,126,865
13	151	$61,833	$14,561	$47,273	$8,079,592
13	152	$61,833	$14,476	$47,357	$8,032,234
13	153	$61,833	$14,391	$47,442	$7,984,792
13	154	$61,833	$14,306	$47,527	$7,937,265
13	155	$61,833	$14,221	$47,612	$7,889,653
13	156	$61,833	$14,136	$47,698	$7,841,955
14	157	$61,833	$14,050	$47,783	$7,794,172
14	158	$61,833	$13,965	$47,869	$7,746,303
14	159	$61,833	$13,879	$47,955	$7,698,348
14	160	$61,833	$13,793	$48,040	$7,650,308
14	161	$61,833	$13,707	$48,127	$7,602,181
14	162	$61,833	$13,621	$48,213	$7,553,968
14	163	$61,833	$13,534	$48,299	$7,505,669
14	164	$61,833	$13,448	$48,386	$7,457,284
14	165	$61,833	$13,361	$48,472	$7,408,811
14	166	$61,833	$13,274	$48,559	$7,360,252
14	167	$61,833	$13,187	$48,646	$7,311,606
14	168	$61,833	$13,100	$48,733	$7,262,872
15	169	$61,833	$13,013	$48,821	$7,214,052
15	170	$61,833	$12,925	$48,908	$7,165,144
15	171	$61,833	$12,838	$48,996	$7,116,148
15	172	$61,833	$12,750	$49,084	$7,067,064
15	173	$61,833	$12,662	$49,172	$7,017,893
15	174	$61,833	$12,574	$49,260	$6,968,633
15	175	$61,833	$12,485	$49,348	$6,919,285
15	176	$61,833	$12,397	$49,436	$6,869,849
15	177	$61,833	$12,308	$49,525	$6,820,324
15	178	$61,833	$12,220	$49,614	$6,770,710
15	179	$61,833	$12,131	$49,702	$6,721,008
15	180	$61,833	$12,042	$49,792	$6,671,216
16	181	$61,833	$11,953	$49,881	$6,621,336
16	182	$61,833	$11,863	$49,970	$6,571,365
16	183	$61,833	$11,774	$50,060	$6,521,306
16	184	$61,833	$11,684	$50,149	$6,471,156
16	185	$61,833	$11,594	$50,239	$6,420,917
16	186	$61,833	$11,504	$50,329	$6,370,588
16	187	$61,833	$11,414	$50,419	$6,320,169
16	188	$61,833	$11,324	$50,510	$6,269,659
16	189	$61,833	$11,233	$50,600	$6,219,059
16	190	$61,833	$11,142	$50,691	$6,168,368
16	191	$61,833	$11,052	$50,782	$6,117,586
16	192	$61,833	$10,961	$50,873	$6,066,713
17	193	$61,833	$10,870	$50,964	$6,015,750
17	194	$61,833	$10,778	$51,055	$5,964,695
17	195	$61,833	$10,687	$51,147	$5,913,548
17	196	$61,833	$10,595	$51,238	$5,862,310
17	197	$61,833	$10,503	$51,330	$5,810,980
17	198	$61,833	$10,411	$51,422	$5,759,558
17	199	$61,833	$10,319	$51,514	$5,708,044
17	200	$61,833	$10,227	$51,606	$5,656,437
17	201	$61,833	$10,134	$51,699	$5,604,738
17	202	$61,833	$10,042	$51,792	$5,552,947
17	203	$61,833	$9,949	$51,884	$5,501,062
17	204	$61,833	$9,856	$51,977	$5,449,085
18	205	$61,833	$9,763	$52,070	$5,397,015
18	206	$61,833	$9,670	$52,164	$5,344,851
18	207	$61,833	$9,576	$52,257	$5,292,594
18	208	$61,833	$9,483	$52,351	$5,240,243
18	209	$61,833	$9,389	$52,445	$5,187,798
18	210	$61,833	$9,295	$52,539	$5,135,260
18	211	$61,833	$9,201	$52,633	$5,082,627
18	212	$61,833	$9,106	$52,727	$5,029,900
18	213	$61,833	$9,012	$52,821	$4,977,079
18	214	$61,833	$8,917	$52,916	$4,924,163
18	215	$61,833	$8,822	$53,011	$4,871,152
18	216	$61,833	$8,727	$53,106	$4,818,046
19	217	$61,833	$8,632	$53,201	$4,764,845
19	218	$61,833	$8,537	$53,296	$4,711,549
19	219	$61,833	$8,442	$53,392	$4,658,157
19	220	$61,833	$8,346	$53,487	$4,604,669
19	221	$61,833	$8,250	$53,583	$4,551,086
19	222	$61,833	$8,154	$53,679	$4,497,407
19	223	$61,833	$8,058	$53,775	$4,443,631
19	224	$61,833	$7,962	$53,872	$4,389,759
19	225	$61,833	$7,865	$53,968	$4,335,791
19	226	$61,833	$7,768	$54,065	$4,281,726
19	227	$61,833	$7,671	$54,162	$4,227,564
19	228	$61,833	$7,574	$54,259	$4,173,305
20	229	$61,833	$7,477	$54,356	$4,118,949
20	230	$61,833	$7,380	$54,454	$4,064,495
20	231	$61,833	$7,282	$54,551	$4,009,944
20	232	$61,833	$7,184	$54,649	$3,955,295
20	233	$61,833	$7,087	$54,747	$3,900,548
20	234	$61,833	$6,988	$54,845	$3,845,704
20	235	$61,833	$6,890	$54,943	$3,790,760
20	236	$61,833	$6,792	$55,042	$3,735,719
20	237	$61,833	$6,693	$55,140	$3,680,579
20	238	$61,833	$6,594	$55,239	$3,625,340
20	239	$61,833	$6,495	$55,338	$3,570,002
20	240	$61,833	$6,396	$55,437	$3,514,565
21	241	$61,833	$6,297	$55,536	$3,459,028
21	242	$61,833	$6,197	$55,636	$3,403,392
21	243	$61,833	$6,098	$55,736	$3,347,657
21	244	$61,833	$5,998	$55,835	$3,291,821
21	245	$61,833	$5,898	$55,936	$3,235,886
21	246	$61,833	$5,798	$56,036	$3,179,850
21	247	$61,833	$5,697	$56,136	$3,123,714
21	248	$61,833	$5,597	$56,237	$3,067,477
21	249	$61,833	$5,496	$56,337	$3,011,140
21	250	$61,833	$5,395	$56,438	$2,954,701
21	251	$61,833	$5,294	$56,540	$2,898,162
21	252	$61,833	$5,193	$56,641	$2,841,521
22	253	$61,833	$5,091	$56,742	$2,784,779
22	254	$61,833	$4,989	$56,844	$2,727,935
22	255	$61,833	$4,888	$56,946	$2,670,989
22	256	$61,833	$4,786	$57,048	$2,613,941
22	257	$61,833	$4,683	$57,150	$2,556,791
22	258	$61,833	$4,581	$57,252	$2,499,539
22	259	$61,833	$4,478	$57,355	$2,442,184
22	260	$61,833	$4,376	$57,458	$2,384,726
22	261	$61,833	$4,273	$57,561	$2,327,165
22	262	$61,833	$4,170	$57,664	$2,269,501
22	263	$61,833	$4,066	$57,767	$2,211,734
22	264	$61,833	$3,963	$57,871	$2,153,864
23	265	$61,833	$3,859	$57,974	$2,095,889
23	266	$61,833	$3,755	$58,078	$2,037,811
23	267	$61,833	$3,651	$58,182	$1,979,629
23	268	$61,833	$3,547	$58,287	$1,921,342
23	269	$61,833	$3,442	$58,391	$1,862,951
23	270	$61,833	$3,338	$58,496	$1,804,456
23	271	$61,833	$3,233	$58,600	$1,745,855
23	272	$61,833	$3,128	$58,705	$1,687,150
23	273	$61,833	$3,023	$58,811	$1,628,339
23	274	$61,833	$2,917	$58,916	$1,569,424
23	275	$61,833	$2,812	$59,021	$1,510,402
23	276	$61,833	$2,706	$59,127	$1,451,275
24	277	$61,833	$2,600	$59,233	$1,392,042
24	278	$61,833	$2,494	$59,339	$1,332,702
24	279	$61,833	$2,388	$59,446	$1,273,257
24	280	$61,833	$2,281	$59,552	$1,213,705
24	281	$61,833	$2,175	$59,659	$1,154,046
24	282	$61,833	$2,068	$59,766	$1,094,280
24	283	$61,833	$1,961	$59,873	$1,034,408
24	284	$61,833	$1,853	$59,980	$974,427
24	285	$61,833	$1,746	$60,088	$914,340
24	286	$61,833	$1,638	$60,195	$854,145
24	287	$61,833	$1,530	$60,303	$793,842
24	288	$61,833	$1,422	$60,411	$733,431
25	289	$61,833	$1,314	$60,519	$672,911
25	290	$61,833	$1,206	$60,628	$612,284
25	291	$61,833	$1,097	$60,736	$551,547
25	292	$61,833	$988	$60,845	$490,702
25	293	$61,833	$879	$60,954	$429,748
25	294	$61,833	$770	$61,063	$368,685
25	295	$61,833	$661	$61,173	$307,512
25	296	$61,833	$551	$61,282	$246,230
25	297	$61,833	$441	$61,392	$184,837
25	298	$61,833	$331	$61,502	$123,335
25	299	$61,833	$221	$61,612	$61,723
25	300	$61,833	$111	$61,723	$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$ 9,560,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 9,799,000

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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.