Century 21 Centaland Property

Down Payment (HKD)

$10,720,000

Monthly Repayment (HKD)

$69,336

Loan Amount (HKD)

$16,080,000

Total Interest (HKD)

$4,720,842

Total Repayment (HKD)

$20,800,842

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$69,336	$28,810	$40,526	$16,039,474
1	2	$69,336	$28,737	$40,599	$15,998,875
1	3	$69,336	$28,665	$40,671	$15,958,204
1	4	$69,336	$28,592	$40,744	$15,917,459
1	5	$69,336	$28,519	$40,817	$15,876,642
1	6	$69,336	$28,446	$40,890	$15,835,751
1	7	$69,336	$28,372	$40,964	$15,794,788
1	8	$69,336	$28,299	$41,037	$15,753,751
1	9	$69,336	$28,225	$41,111	$15,712,640
1	10	$69,336	$28,152	$41,184	$15,671,456
1	11	$69,336	$28,078	$41,258	$15,630,197
1	12	$69,336	$28,004	$41,332	$15,588,865
2	13	$69,336	$27,930	$41,406	$15,547,459
2	14	$69,336	$27,856	$41,480	$15,505,979
2	15	$69,336	$27,782	$41,555	$15,464,424
2	16	$69,336	$27,707	$41,629	$15,422,795
2	17	$69,336	$27,633	$41,704	$15,381,092
2	18	$69,336	$27,558	$41,778	$15,339,313
2	19	$69,336	$27,483	$41,853	$15,297,460
2	20	$69,336	$27,408	$41,928	$15,255,532
2	21	$69,336	$27,333	$42,003	$15,213,529
2	22	$69,336	$27,258	$42,079	$15,171,450
2	23	$69,336	$27,182	$42,154	$15,129,296
2	24	$69,336	$27,107	$42,229	$15,087,067
3	25	$69,336	$27,031	$42,305	$15,044,761
3	26	$69,336	$26,955	$42,381	$15,002,381
3	27	$69,336	$26,879	$42,457	$14,959,924
3	28	$69,336	$26,803	$42,533	$14,917,391
3	29	$69,336	$26,727	$42,609	$14,874,782
3	30	$69,336	$26,651	$42,685	$14,832,096
3	31	$69,336	$26,574	$42,762	$14,789,334
3	32	$69,336	$26,498	$42,839	$14,746,496
3	33	$69,336	$26,421	$42,915	$14,703,580
3	34	$69,336	$26,344	$42,992	$14,660,588
3	35	$69,336	$26,267	$43,069	$14,617,519
3	36	$69,336	$26,190	$43,146	$14,574,372
4	37	$69,336	$26,112	$43,224	$14,531,149
4	38	$69,336	$26,035	$43,301	$14,487,847
4	39	$69,336	$25,957	$43,379	$14,444,469
4	40	$69,336	$25,880	$43,456	$14,401,012
4	41	$69,336	$25,802	$43,534	$14,357,478
4	42	$69,336	$25,724	$43,612	$14,313,866
4	43	$69,336	$25,646	$43,690	$14,270,175
4	44	$69,336	$25,567	$43,769	$14,226,406
4	45	$69,336	$25,489	$43,847	$14,182,559
4	46	$69,336	$25,410	$43,926	$14,138,633
4	47	$69,336	$25,332	$44,004	$14,094,629
4	48	$69,336	$25,253	$44,083	$14,050,546
5	49	$69,336	$25,174	$44,162	$14,006,384
5	50	$69,336	$25,095	$44,241	$13,962,142
5	51	$69,336	$25,016	$44,321	$13,917,822
5	52	$69,336	$24,936	$44,400	$13,873,421
5	53	$69,336	$24,857	$44,480	$13,828,942
5	54	$69,336	$24,777	$44,559	$13,784,383
5	55	$69,336	$24,697	$44,639	$13,739,743
5	56	$69,336	$24,617	$44,719	$13,695,024
5	57	$69,336	$24,537	$44,799	$13,650,225
5	58	$69,336	$24,457	$44,879	$13,605,346
5	59	$69,336	$24,376	$44,960	$13,560,386
5	60	$69,336	$24,296	$45,040	$13,515,345
6	61	$69,336	$24,215	$45,121	$13,470,224
6	62	$69,336	$24,134	$45,202	$13,425,022
6	63	$69,336	$24,053	$45,283	$13,379,739
6	64	$69,336	$23,972	$45,364	$13,334,375
6	65	$69,336	$23,891	$45,445	$13,288,930
6	66	$69,336	$23,809	$45,527	$13,243,403
6	67	$69,336	$23,728	$45,608	$13,197,795
6	68	$69,336	$23,646	$45,690	$13,152,104
6	69	$69,336	$23,564	$45,772	$13,106,332
6	70	$69,336	$23,482	$45,854	$13,060,479
6	71	$69,336	$23,400	$45,936	$13,014,542
6	72	$69,336	$23,318	$46,018	$12,968,524
7	73	$69,336	$23,235	$46,101	$12,922,423
7	74	$69,336	$23,153	$46,183	$12,876,240
7	75	$69,336	$23,070	$46,266	$12,829,973
7	76	$69,336	$22,987	$46,349	$12,783,624
7	77	$69,336	$22,904	$46,432	$12,737,192
7	78	$69,336	$22,821	$46,515	$12,690,677
7	79	$69,336	$22,737	$46,599	$12,644,078
7	80	$69,336	$22,654	$46,682	$12,597,396
7	81	$69,336	$22,570	$46,766	$12,550,630
7	82	$69,336	$22,487	$46,850	$12,503,781
7	83	$69,336	$22,403	$46,934	$12,456,847
7	84	$69,336	$22,319	$47,018	$12,409,829
8	85	$69,336	$22,234	$47,102	$12,362,728
8	86	$69,336	$22,150	$47,186	$12,315,541
8	87	$69,336	$22,065	$47,271	$12,268,271
8	88	$69,336	$21,981	$47,355	$12,220,915
8	89	$69,336	$21,896	$47,440	$12,173,475
8	90	$69,336	$21,811	$47,525	$12,125,949
8	91	$69,336	$21,726	$47,610	$12,078,339
8	92	$69,336	$21,640	$47,696	$12,030,643
8	93	$69,336	$21,555	$47,781	$11,982,862
8	94	$69,336	$21,469	$47,867	$11,934,995
8	95	$69,336	$21,384	$47,953	$11,887,042
8	96	$69,336	$21,298	$48,039	$11,839,004
9	97	$69,336	$21,212	$48,125	$11,790,879
9	98	$69,336	$21,125	$48,211	$11,742,668
9	99	$69,336	$21,039	$48,297	$11,694,371
9	100	$69,336	$20,952	$48,384	$11,645,988
9	101	$69,336	$20,866	$48,470	$11,597,517
9	102	$69,336	$20,779	$48,557	$11,548,960
9	103	$69,336	$20,692	$48,644	$11,500,316
9	104	$69,336	$20,605	$48,731	$11,451,584
9	105	$69,336	$20,517	$48,819	$11,402,765
9	106	$69,336	$20,430	$48,906	$11,353,859
9	107	$69,336	$20,342	$48,994	$11,304,866
9	108	$69,336	$20,255	$49,082	$11,255,784
10	109	$69,336	$20,167	$49,170	$11,206,614
10	110	$69,336	$20,079	$49,258	$11,157,357
10	111	$69,336	$19,990	$49,346	$11,108,011
10	112	$69,336	$19,902	$49,434	$11,058,577
10	113	$69,336	$19,813	$49,523	$11,009,054
10	114	$69,336	$19,725	$49,612	$10,959,442
10	115	$69,336	$19,636	$49,700	$10,909,742
10	116	$69,336	$19,547	$49,790	$10,859,952
10	117	$69,336	$19,457	$49,879	$10,810,073
10	118	$69,336	$19,368	$49,968	$10,760,105
10	119	$69,336	$19,279	$50,058	$10,710,048
10	120	$69,336	$19,189	$50,147	$10,659,900
11	121	$69,336	$19,099	$50,237	$10,609,663
11	122	$69,336	$19,009	$50,327	$10,559,336
11	123	$69,336	$18,919	$50,417	$10,508,919
11	124	$69,336	$18,828	$50,508	$10,458,411
11	125	$69,336	$18,738	$50,598	$10,407,813
11	126	$69,336	$18,647	$50,689	$10,357,124
11	127	$69,336	$18,557	$50,780	$10,306,345
11	128	$69,336	$18,466	$50,871	$10,255,474
11	129	$69,336	$18,374	$50,962	$10,204,512
11	130	$69,336	$18,283	$51,053	$10,153,459
11	131	$69,336	$18,192	$51,145	$10,102,315
11	132	$69,336	$18,100	$51,236	$10,051,078
12	133	$69,336	$18,008	$51,328	$9,999,750
12	134	$69,336	$17,916	$51,420	$9,948,331
12	135	$69,336	$17,824	$51,512	$9,896,818
12	136	$69,336	$17,732	$51,604	$9,845,214
12	137	$69,336	$17,639	$51,697	$9,793,517
12	138	$69,336	$17,547	$51,789	$9,741,728
12	139	$69,336	$17,454	$51,882	$9,689,846
12	140	$69,336	$17,361	$51,975	$9,637,871
12	141	$69,336	$17,268	$52,068	$9,585,802
12	142	$69,336	$17,175	$52,162	$9,533,641
12	143	$69,336	$17,081	$52,255	$9,481,386
12	144	$69,336	$16,987	$52,349	$9,429,037
13	145	$69,336	$16,894	$52,442	$9,376,595
13	146	$69,336	$16,800	$52,536	$9,324,058
13	147	$69,336	$16,706	$52,631	$9,271,428
13	148	$69,336	$16,611	$52,725	$9,218,703
13	149	$69,336	$16,517	$52,819	$9,165,883
13	150	$69,336	$16,422	$52,914	$9,112,970
13	151	$69,336	$16,327	$53,009	$9,059,961
13	152	$69,336	$16,232	$53,104	$9,006,857
13	153	$69,336	$16,137	$53,199	$8,953,658
13	154	$69,336	$16,042	$53,294	$8,900,364
13	155	$69,336	$15,946	$53,390	$8,846,974
13	156	$69,336	$15,851	$53,485	$8,793,489
14	157	$69,336	$15,755	$53,581	$8,739,908
14	158	$69,336	$15,659	$53,677	$8,686,231
14	159	$69,336	$15,563	$53,773	$8,632,457
14	160	$69,336	$15,466	$53,870	$8,578,588
14	161	$69,336	$15,370	$53,966	$8,524,622
14	162	$69,336	$15,273	$54,063	$8,470,559
14	163	$69,336	$15,176	$54,160	$8,416,399
14	164	$69,336	$15,079	$54,257	$8,362,142
14	165	$69,336	$14,982	$54,354	$8,307,788
14	166	$69,336	$14,885	$54,451	$8,253,337
14	167	$69,336	$14,787	$54,549	$8,198,788
14	168	$69,336	$14,689	$54,647	$8,144,141
15	169	$69,336	$14,592	$54,745	$8,089,397
15	170	$69,336	$14,494	$54,843	$8,034,554
15	171	$69,336	$14,395	$54,941	$7,979,613
15	172	$69,336	$14,297	$55,039	$7,924,574
15	173	$69,336	$14,198	$55,138	$7,869,436
15	174	$69,336	$14,099	$55,237	$7,814,199
15	175	$69,336	$14,000	$55,336	$7,758,864
15	176	$69,336	$13,901	$55,435	$7,703,429
15	177	$69,336	$13,802	$55,534	$7,647,895
15	178	$69,336	$13,702	$55,634	$7,592,261
15	179	$69,336	$13,603	$55,733	$7,536,528
15	180	$69,336	$13,503	$55,833	$7,480,694
16	181	$69,336	$13,403	$55,933	$7,424,761
16	182	$69,336	$13,303	$56,033	$7,368,728
16	183	$69,336	$13,202	$56,134	$7,312,594
16	184	$69,336	$13,102	$56,234	$7,256,360
16	185	$69,336	$13,001	$56,335	$7,200,024
16	186	$69,336	$12,900	$56,436	$7,143,588
16	187	$69,336	$12,799	$56,537	$7,087,051
16	188	$69,336	$12,698	$56,639	$7,030,413
16	189	$69,336	$12,596	$56,740	$6,973,673
16	190	$69,336	$12,494	$56,842	$6,916,831
16	191	$69,336	$12,393	$56,943	$6,859,887
16	192	$69,336	$12,291	$57,046	$6,802,842
17	193	$69,336	$12,188	$57,148	$6,745,694
17	194	$69,336	$12,086	$57,250	$6,688,444
17	195	$69,336	$11,983	$57,353	$6,631,091
17	196	$69,336	$11,881	$57,455	$6,573,636
17	197	$69,336	$11,778	$57,558	$6,516,078
17	198	$69,336	$11,675	$57,662	$6,458,416
17	199	$69,336	$11,571	$57,765	$6,400,651
17	200	$69,336	$11,468	$57,868	$6,342,783
17	201	$69,336	$11,364	$57,972	$6,284,811
17	202	$69,336	$11,260	$58,076	$6,226,735
17	203	$69,336	$11,156	$58,180	$6,168,555
17	204	$69,336	$11,052	$58,284	$6,110,271
18	205	$69,336	$10,948	$58,389	$6,051,883
18	206	$69,336	$10,843	$58,493	$5,993,389
18	207	$69,336	$10,738	$58,598	$5,934,791
18	208	$69,336	$10,633	$58,703	$5,876,088
18	209	$69,336	$10,528	$58,808	$5,817,280
18	210	$69,336	$10,423	$58,914	$5,758,367
18	211	$69,336	$10,317	$59,019	$5,699,348
18	212	$69,336	$10,211	$59,125	$5,640,223
18	213	$69,336	$10,105	$59,231	$5,580,992
18	214	$69,336	$9,999	$59,337	$5,521,655
18	215	$69,336	$9,893	$59,443	$5,462,212
18	216	$69,336	$9,786	$59,550	$5,402,662
19	217	$69,336	$9,680	$59,656	$5,343,006
19	218	$69,336	$9,573	$59,763	$5,283,243
19	219	$69,336	$9,466	$59,870	$5,223,372
19	220	$69,336	$9,359	$59,978	$5,163,395
19	221	$69,336	$9,251	$60,085	$5,103,310
19	222	$69,336	$9,143	$60,193	$5,043,117
19	223	$69,336	$9,036	$60,301	$4,982,816
19	224	$69,336	$8,928	$60,409	$4,922,408
19	225	$69,336	$8,819	$60,517	$4,861,891
19	226	$69,336	$8,711	$60,625	$4,801,266
19	227	$69,336	$8,602	$60,734	$4,740,532
19	228	$69,336	$8,493	$60,843	$4,679,689
20	229	$69,336	$8,384	$60,952	$4,618,738
20	230	$69,336	$8,275	$61,061	$4,557,677
20	231	$69,336	$8,166	$61,170	$4,496,506
20	232	$69,336	$8,056	$61,280	$4,435,226
20	233	$69,336	$7,946	$61,390	$4,373,837
20	234	$69,336	$7,836	$61,500	$4,312,337
20	235	$69,336	$7,726	$61,610	$4,250,727
20	236	$69,336	$7,616	$61,720	$4,189,007
20	237	$69,336	$7,505	$61,831	$4,127,176
20	238	$69,336	$7,395	$61,942	$4,065,234
20	239	$69,336	$7,284	$62,053	$4,003,182
20	240	$69,336	$7,172	$62,164	$3,941,018
21	241	$69,336	$7,061	$62,275	$3,878,743
21	242	$69,336	$6,949	$62,387	$3,816,356
21	243	$69,336	$6,838	$62,499	$3,753,858
21	244	$69,336	$6,726	$62,610	$3,691,247
21	245	$69,336	$6,613	$62,723	$3,628,525
21	246	$69,336	$6,501	$62,835	$3,565,690
21	247	$69,336	$6,389	$62,948	$3,502,742
21	248	$69,336	$6,276	$63,060	$3,439,682
21	249	$69,336	$6,163	$63,173	$3,376,508
21	250	$69,336	$6,050	$63,287	$3,313,222
21	251	$69,336	$5,936	$63,400	$3,249,822
21	252	$69,336	$5,823	$63,514	$3,186,308
22	253	$69,336	$5,709	$63,627	$3,122,681
22	254	$69,336	$5,595	$63,741	$3,058,939
22	255	$69,336	$5,481	$63,856	$2,995,084
22	256	$69,336	$5,366	$63,970	$2,931,114
22	257	$69,336	$5,252	$64,085	$2,867,029
22	258	$69,336	$5,137	$64,199	$2,802,830
22	259	$69,336	$5,022	$64,314	$2,738,516
22	260	$69,336	$4,907	$64,430	$2,674,086
22	261	$69,336	$4,791	$64,545	$2,609,541
22	262	$69,336	$4,675	$64,661	$2,544,880
22	263	$69,336	$4,560	$64,777	$2,480,104
22	264	$69,336	$4,444	$64,893	$2,415,211
23	265	$69,336	$4,327	$65,009	$2,350,202
23	266	$69,336	$4,211	$65,125	$2,285,077
23	267	$69,336	$4,094	$65,242	$2,219,835
23	268	$69,336	$3,977	$65,359	$2,154,476
23	269	$69,336	$3,860	$65,476	$2,089,000
23	270	$69,336	$3,743	$65,593	$2,023,406
23	271	$69,336	$3,625	$65,711	$1,957,696
23	272	$69,336	$3,508	$65,829	$1,891,867
23	273	$69,336	$3,390	$65,947	$1,825,920
23	274	$69,336	$3,271	$66,065	$1,759,856
23	275	$69,336	$3,153	$66,183	$1,693,673
23	276	$69,336	$3,034	$66,302	$1,627,371
24	277	$69,336	$2,916	$66,420	$1,560,951
24	278	$69,336	$2,797	$66,539	$1,494,411
24	279	$69,336	$2,677	$66,659	$1,427,752
24	280	$69,336	$2,558	$66,778	$1,360,974
24	281	$69,336	$2,438	$66,898	$1,294,077
24	282	$69,336	$2,319	$67,018	$1,227,059
24	283	$69,336	$2,198	$67,138	$1,159,921
24	284	$69,336	$2,078	$67,258	$1,092,663
24	285	$69,336	$1,958	$67,378	$1,025,285
24	286	$69,336	$1,837	$67,499	$957,786
24	287	$69,336	$1,716	$67,620	$890,166
24	288	$69,336	$1,595	$67,741	$822,424
25	289	$69,336	$1,474	$67,863	$754,562
25	290	$69,336	$1,352	$67,984	$686,578
25	291	$69,336	$1,230	$68,106	$618,472
25	292	$69,336	$1,108	$68,228	$550,244
25	293	$69,336	$986	$68,350	$481,893
25	294	$69,336	$863	$68,473	$413,420
25	295	$69,336	$741	$68,595	$344,825
25	296	$69,336	$618	$68,718	$276,107
25	297	$69,336	$495	$68,841	$207,265
25	298	$69,336	$371	$68,965	$138,300
25	299	$69,336	$248	$69,088	$69,212
25	300	$69,336	$124	$69,212	$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$ 10,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,988,000

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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.