Century 21 Centaland Property

Down Payment (HKD)

$52,800,000

Monthly Repayment (HKD)

$341,506

Loan Amount (HKD)

$79,200,000

Total Interest (HKD)

$23,251,910

Total Repayment (HKD)

$102,451,910

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$341,506	$141,900	$199,606	$79,000,394
1	2	$341,506	$141,542	$199,964	$78,800,430
1	3	$341,506	$141,184	$200,322	$78,600,107
1	4	$341,506	$140,825	$200,681	$78,399,426
1	5	$341,506	$140,466	$201,041	$78,198,385
1	6	$341,506	$140,105	$201,401	$77,996,985
1	7	$341,506	$139,745	$201,762	$77,795,223
1	8	$341,506	$139,383	$202,123	$77,593,100
1	9	$341,506	$139,021	$202,485	$77,390,614
1	10	$341,506	$138,658	$202,848	$77,187,766
1	11	$341,506	$138,295	$203,212	$76,984,554
1	12	$341,506	$137,931	$203,576	$76,780,979
2	13	$341,506	$137,566	$203,940	$76,577,038
2	14	$341,506	$137,201	$204,306	$76,372,732
2	15	$341,506	$136,834	$204,672	$76,168,060
2	16	$341,506	$136,468	$205,039	$75,963,022
2	17	$341,506	$136,100	$205,406	$75,757,616
2	18	$341,506	$135,732	$205,774	$75,551,842
2	19	$341,506	$135,364	$206,143	$75,345,699
2	20	$341,506	$134,994	$206,512	$75,139,187
2	21	$341,506	$134,624	$206,882	$74,932,305
2	22	$341,506	$134,254	$207,253	$74,725,053
2	23	$341,506	$133,882	$207,624	$74,517,429
2	24	$341,506	$133,510	$207,996	$74,309,433
3	25	$341,506	$133,138	$208,369	$74,101,064
3	26	$341,506	$132,764	$208,742	$73,892,322
3	27	$341,506	$132,390	$209,116	$73,683,206
3	28	$341,506	$132,016	$209,491	$73,473,716
3	29	$341,506	$131,640	$209,866	$73,263,850
3	30	$341,506	$131,264	$210,242	$73,053,608
3	31	$341,506	$130,888	$210,619	$72,842,989
3	32	$341,506	$130,510	$210,996	$72,631,993
3	33	$341,506	$130,132	$211,374	$72,420,619
3	34	$341,506	$129,754	$211,753	$72,208,866
3	35	$341,506	$129,374	$212,132	$71,996,734
3	36	$341,506	$128,994	$212,512	$71,784,222
4	37	$341,506	$128,613	$212,893	$71,571,329
4	38	$341,506	$128,232	$213,274	$71,358,054
4	39	$341,506	$127,850	$213,657	$71,144,398
4	40	$341,506	$127,467	$214,039	$70,930,359
4	41	$341,506	$127,084	$214,423	$70,715,936
4	42	$341,506	$126,699	$214,807	$70,501,129
4	43	$341,506	$126,315	$215,192	$70,285,937
4	44	$341,506	$125,929	$215,577	$70,070,360
4	45	$341,506	$125,543	$215,964	$69,854,396
4	46	$341,506	$125,156	$216,351	$69,638,045
4	47	$341,506	$124,768	$216,738	$69,421,307
4	48	$341,506	$124,380	$217,127	$69,204,181
5	49	$341,506	$123,991	$217,516	$68,986,665
5	50	$341,506	$123,601	$217,905	$68,768,760
5	51	$341,506	$123,211	$218,296	$68,550,464
5	52	$341,506	$122,820	$218,687	$68,331,777
5	53	$341,506	$122,428	$219,079	$68,112,699
5	54	$341,506	$122,035	$219,471	$67,893,228
5	55	$341,506	$121,642	$219,864	$67,673,363
5	56	$341,506	$121,248	$220,258	$67,453,105
5	57	$341,506	$120,853	$220,653	$67,232,452
5	58	$341,506	$120,458	$221,048	$67,011,404
5	59	$341,506	$120,062	$221,444	$66,789,960
5	60	$341,506	$119,665	$221,841	$66,568,119
6	61	$341,506	$119,268	$222,238	$66,345,880
6	62	$341,506	$118,870	$222,637	$66,123,244
6	63	$341,506	$118,471	$223,036	$65,900,208
6	64	$341,506	$118,071	$223,435	$65,676,773
6	65	$341,506	$117,671	$223,835	$65,452,937
6	66	$341,506	$117,270	$224,237	$65,228,701
6	67	$341,506	$116,868	$224,638	$65,004,063
6	68	$341,506	$116,466	$225,041	$64,779,022
6	69	$341,506	$116,062	$225,444	$64,553,578
6	70	$341,506	$115,658	$225,848	$64,327,730
6	71	$341,506	$115,254	$226,253	$64,101,477
6	72	$341,506	$114,848	$226,658	$63,874,820
7	73	$341,506	$114,442	$227,064	$63,647,756
7	74	$341,506	$114,036	$227,471	$63,420,285
7	75	$341,506	$113,628	$227,878	$63,192,406
7	76	$341,506	$113,220	$228,287	$62,964,120
7	77	$341,506	$112,811	$228,696	$62,735,424
7	78	$341,506	$112,401	$229,105	$62,506,319
7	79	$341,506	$111,990	$229,516	$62,276,803
7	80	$341,506	$111,579	$229,927	$62,046,876
7	81	$341,506	$111,167	$230,339	$61,816,537
7	82	$341,506	$110,755	$230,752	$61,585,785
7	83	$341,506	$110,341	$231,165	$61,354,620
7	84	$341,506	$109,927	$231,579	$61,123,040
8	85	$341,506	$109,512	$231,994	$60,891,046
8	86	$341,506	$109,096	$232,410	$60,658,636
8	87	$341,506	$108,680	$232,826	$60,425,810
8	88	$341,506	$108,263	$233,243	$60,192,567
8	89	$341,506	$107,845	$233,661	$59,958,905
8	90	$341,506	$107,426	$234,080	$59,724,825
8	91	$341,506	$107,007	$234,499	$59,490,326
8	92	$341,506	$106,587	$234,920	$59,255,406
8	93	$341,506	$106,166	$235,340	$59,020,066
8	94	$341,506	$105,744	$235,762	$58,784,304
8	95	$341,506	$105,322	$236,184	$58,548,119
8	96	$341,506	$104,899	$236,608	$58,311,512
9	97	$341,506	$104,475	$237,032	$58,074,480
9	98	$341,506	$104,050	$237,456	$57,837,024
9	99	$341,506	$103,625	$237,882	$57,599,142
9	100	$341,506	$103,198	$238,308	$57,360,834
9	101	$341,506	$102,771	$238,735	$57,122,099
9	102	$341,506	$102,344	$239,163	$56,882,937
9	103	$341,506	$101,915	$239,591	$56,643,346
9	104	$341,506	$101,486	$240,020	$56,403,325
9	105	$341,506	$101,056	$240,450	$56,162,875
9	106	$341,506	$100,625	$240,881	$55,921,994
9	107	$341,506	$100,194	$241,313	$55,680,681
9	108	$341,506	$99,761	$241,745	$55,438,936
10	109	$341,506	$99,328	$242,178	$55,196,757
10	110	$341,506	$98,894	$242,612	$54,954,145
10	111	$341,506	$98,460	$243,047	$54,711,098
10	112	$341,506	$98,024	$243,482	$54,467,616
10	113	$341,506	$97,588	$243,919	$54,223,698
10	114	$341,506	$97,151	$244,356	$53,979,342
10	115	$341,506	$96,713	$244,793	$53,734,549
10	116	$341,506	$96,274	$245,232	$53,489,317
10	117	$341,506	$95,835	$245,671	$53,243,645
10	118	$341,506	$95,395	$246,112	$52,997,534
10	119	$341,506	$94,954	$246,552	$52,750,981
10	120	$341,506	$94,512	$246,994	$52,503,987
11	121	$341,506	$94,070	$247,437	$52,256,550
11	122	$341,506	$93,626	$247,880	$52,008,670
11	123	$341,506	$93,182	$248,324	$51,760,346
11	124	$341,506	$92,737	$248,769	$51,511,577
11	125	$341,506	$92,292	$249,215	$51,262,362
11	126	$341,506	$91,845	$249,661	$51,012,701
11	127	$341,506	$91,398	$250,109	$50,762,592
11	128	$341,506	$90,950	$250,557	$50,512,036
11	129	$341,506	$90,501	$251,006	$50,261,030
11	130	$341,506	$90,051	$251,455	$50,009,575
11	131	$341,506	$89,600	$251,906	$49,757,669
11	132	$341,506	$89,149	$252,357	$49,505,312
12	133	$341,506	$88,697	$252,809	$49,252,502
12	134	$341,506	$88,244	$253,262	$48,999,240
12	135	$341,506	$87,790	$253,716	$48,745,524
12	136	$341,506	$87,336	$254,171	$48,491,353
12	137	$341,506	$86,880	$254,626	$48,236,727
12	138	$341,506	$86,424	$255,082	$47,981,645
12	139	$341,506	$85,967	$255,539	$47,726,106
12	140	$341,506	$85,509	$255,997	$47,470,109
12	141	$341,506	$85,051	$256,456	$47,213,653
12	142	$341,506	$84,591	$256,915	$46,956,738
12	143	$341,506	$84,131	$257,376	$46,699,362
12	144	$341,506	$83,670	$257,837	$46,441,525
13	145	$341,506	$83,208	$258,299	$46,183,227
13	146	$341,506	$82,745	$258,761	$45,924,465
13	147	$341,506	$82,281	$259,225	$45,665,240
13	148	$341,506	$81,817	$259,689	$45,405,551
13	149	$341,506	$81,352	$260,155	$45,145,396
13	150	$341,506	$80,886	$260,621	$44,884,775
13	151	$341,506	$80,419	$261,088	$44,623,687
13	152	$341,506	$79,951	$261,556	$44,362,132
13	153	$341,506	$79,482	$262,024	$44,100,108
13	154	$341,506	$79,013	$262,494	$43,837,614
13	155	$341,506	$78,542	$262,964	$43,574,650
13	156	$341,506	$78,071	$263,435	$43,311,215
14	157	$341,506	$77,599	$263,907	$43,047,308
14	158	$341,506	$77,126	$264,380	$42,782,928
14	159	$341,506	$76,653	$264,854	$42,518,074
14	160	$341,506	$76,178	$265,328	$42,252,746
14	161	$341,506	$75,703	$265,804	$41,986,943
14	162	$341,506	$75,227	$266,280	$41,720,663
14	163	$341,506	$74,750	$266,757	$41,453,906
14	164	$341,506	$74,272	$267,235	$41,186,671
14	165	$341,506	$73,793	$267,714	$40,918,958
14	166	$341,506	$73,313	$268,193	$40,650,764
14	167	$341,506	$72,833	$268,674	$40,382,091
14	168	$341,506	$72,351	$269,155	$40,112,936
15	169	$341,506	$71,869	$269,637	$39,843,298
15	170	$341,506	$71,386	$270,120	$39,573,178
15	171	$341,506	$70,902	$270,604	$39,302,573
15	172	$341,506	$70,417	$271,089	$39,031,484
15	173	$341,506	$69,931	$271,575	$38,759,909
15	174	$341,506	$69,445	$272,062	$38,487,848
15	175	$341,506	$68,957	$272,549	$38,215,299
15	176	$341,506	$68,469	$273,037	$37,942,261
15	177	$341,506	$67,980	$273,526	$37,668,735
15	178	$341,506	$67,490	$274,017	$37,394,718
15	179	$341,506	$66,999	$274,507	$37,120,211
15	180	$341,506	$66,507	$274,999	$36,845,211
16	181	$341,506	$66,014	$275,492	$36,569,719
16	182	$341,506	$65,521	$275,986	$36,293,734
16	183	$341,506	$65,026	$276,480	$36,017,254
16	184	$341,506	$64,531	$276,975	$35,740,278
16	185	$341,506	$64,035	$277,472	$35,462,807
16	186	$341,506	$63,538	$277,969	$35,184,838
16	187	$341,506	$63,040	$278,467	$34,906,371
16	188	$341,506	$62,541	$278,966	$34,627,405
16	189	$341,506	$62,041	$279,466	$34,347,939
16	190	$341,506	$61,540	$279,966	$34,067,973
16	191	$341,506	$61,038	$280,468	$33,787,505
16	192	$341,506	$60,536	$280,970	$33,506,535
17	193	$341,506	$60,033	$281,474	$33,225,061
17	194	$341,506	$59,528	$281,978	$32,943,083
17	195	$341,506	$59,023	$282,483	$32,660,600
17	196	$341,506	$58,517	$282,989	$32,377,610
17	197	$341,506	$58,010	$283,496	$32,094,114
17	198	$341,506	$57,502	$284,004	$31,810,109
17	199	$341,506	$56,993	$284,513	$31,525,596
17	200	$341,506	$56,483	$285,023	$31,240,573
17	201	$341,506	$55,973	$285,534	$30,955,039
17	202	$341,506	$55,461	$286,045	$30,668,994
17	203	$341,506	$54,949	$286,558	$30,382,436
17	204	$341,506	$54,435	$287,071	$30,095,365
18	205	$341,506	$53,921	$287,586	$29,807,780
18	206	$341,506	$53,406	$288,101	$29,519,679
18	207	$341,506	$52,889	$288,617	$29,231,062
18	208	$341,506	$52,372	$289,134	$28,941,928
18	209	$341,506	$51,854	$289,652	$28,652,276
18	210	$341,506	$51,335	$290,171	$28,362,105
18	211	$341,506	$50,815	$290,691	$28,071,414
18	212	$341,506	$50,295	$291,212	$27,780,202
18	213	$341,506	$49,773	$291,734	$27,488,469
18	214	$341,506	$49,250	$292,256	$27,196,212
18	215	$341,506	$48,727	$292,780	$26,903,432
18	216	$341,506	$48,202	$293,304	$26,610,128
19	217	$341,506	$47,676	$293,830	$26,316,298
19	218	$341,506	$47,150	$294,356	$26,021,942
19	219	$341,506	$46,623	$294,884	$25,727,058
19	220	$341,506	$46,094	$295,412	$25,431,646
19	221	$341,506	$45,565	$295,941	$25,135,705
19	222	$341,506	$45,035	$296,472	$24,839,233
19	223	$341,506	$44,504	$297,003	$24,542,230
19	224	$341,506	$43,971	$297,535	$24,244,696
19	225	$341,506	$43,438	$298,068	$23,946,628
19	226	$341,506	$42,904	$298,602	$23,648,026
19	227	$341,506	$42,369	$299,137	$23,348,889
19	228	$341,506	$41,833	$299,673	$23,049,216
20	229	$341,506	$41,297	$300,210	$22,749,006
20	230	$341,506	$40,759	$300,748	$22,448,258
20	231	$341,506	$40,220	$301,287	$22,146,972
20	232	$341,506	$39,680	$301,826	$21,845,145
20	233	$341,506	$39,139	$302,367	$21,542,778
20	234	$341,506	$38,597	$302,909	$21,239,869
20	235	$341,506	$38,055	$303,452	$20,936,418
20	236	$341,506	$37,511	$303,995	$20,632,422
20	237	$341,506	$36,966	$304,540	$20,327,882
20	238	$341,506	$36,421	$305,086	$20,022,797
20	239	$341,506	$35,874	$305,632	$19,717,165
20	240	$341,506	$35,327	$306,180	$19,410,985
21	241	$341,506	$34,778	$306,728	$19,104,256
21	242	$341,506	$34,228	$307,278	$18,796,979
21	243	$341,506	$33,678	$307,828	$18,489,150
21	244	$341,506	$33,126	$308,380	$18,180,770
21	245	$341,506	$32,574	$308,932	$17,871,838
21	246	$341,506	$32,020	$309,486	$17,562,352
21	247	$341,506	$31,466	$310,040	$17,252,311
21	248	$341,506	$30,910	$310,596	$16,941,715
21	249	$341,506	$30,354	$311,152	$16,630,563
21	250	$341,506	$29,796	$311,710	$16,318,853
21	251	$341,506	$29,238	$312,268	$16,006,584
21	252	$341,506	$28,678	$312,828	$15,693,756
22	253	$341,506	$28,118	$313,388	$15,380,368
22	254	$341,506	$27,556	$313,950	$15,066,418
22	255	$341,506	$26,994	$314,512	$14,751,906
22	256	$341,506	$26,430	$315,076	$14,436,830
22	257	$341,506	$25,866	$315,640	$14,121,190
22	258	$341,506	$25,300	$316,206	$13,804,984
22	259	$341,506	$24,734	$316,772	$13,488,211
22	260	$341,506	$24,166	$317,340	$13,170,871
22	261	$341,506	$23,598	$317,909	$12,852,963
22	262	$341,506	$23,028	$318,478	$12,534,485
22	263	$341,506	$22,458	$319,049	$12,215,436
22	264	$341,506	$21,886	$319,620	$11,895,815
23	265	$341,506	$21,313	$320,193	$11,575,622
23	266	$341,506	$20,740	$320,767	$11,254,856
23	267	$341,506	$20,165	$321,341	$10,933,514
23	268	$341,506	$19,589	$321,917	$10,611,597
23	269	$341,506	$19,012	$322,494	$10,289,103
23	270	$341,506	$18,435	$323,072	$9,966,032
23	271	$341,506	$17,856	$323,651	$9,642,381
23	272	$341,506	$17,276	$324,230	$9,318,151
23	273	$341,506	$16,695	$324,811	$8,993,339
23	274	$341,506	$16,113	$325,393	$8,667,946
23	275	$341,506	$15,530	$325,976	$8,341,970
23	276	$341,506	$14,946	$326,560	$8,015,409
24	277	$341,506	$14,361	$327,145	$7,688,264
24	278	$341,506	$13,775	$327,732	$7,360,532
24	279	$341,506	$13,188	$328,319	$7,032,214
24	280	$341,506	$12,599	$328,907	$6,703,307
24	281	$341,506	$12,010	$329,496	$6,373,810
24	282	$341,506	$11,420	$330,087	$6,043,724
24	283	$341,506	$10,828	$330,678	$5,713,046
24	284	$341,506	$10,236	$331,270	$5,381,775
24	285	$341,506	$9,642	$331,864	$5,049,911
24	286	$341,506	$9,048	$332,459	$4,717,452
24	287	$341,506	$8,452	$333,054	$4,384,398
24	288	$341,506	$7,855	$333,651	$4,050,747
25	289	$341,506	$7,258	$334,249	$3,716,498
25	290	$341,506	$6,659	$334,848	$3,381,651
25	291	$341,506	$6,059	$335,448	$3,046,203
25	292	$341,506	$5,458	$336,049	$2,710,155
25	293	$341,506	$4,856	$336,651	$2,373,504
25	294	$341,506	$4,253	$337,254	$2,036,250
25	295	$341,506	$3,648	$337,858	$1,698,392
25	296	$341,506	$3,043	$338,463	$1,359,929
25	297	$341,506	$2,437	$339,070	$1,020,859
25	298	$341,506	$1,829	$339,677	$681,182
25	299	$341,506	$1,220	$340,286	$340,896
25	300	$341,506	$611	$340,896	$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$ 52,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 54,120,000

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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.