Century 21 Centaland Property

Down Payment (HKD)

$21,520,000

Monthly Repayment (HKD)

$139,190

Loan Amount (HKD)

$32,280,000

Total Interest (HKD)

$9,476,915

Total Repayment (HKD)

$41,756,915

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$139,190	$57,835	$81,355	$32,198,645
1	2	$139,190	$57,689	$81,500	$32,117,145
1	3	$139,190	$57,543	$81,646	$32,035,498
1	4	$139,190	$57,397	$81,793	$31,953,706
1	5	$139,190	$57,250	$81,939	$31,871,766
1	6	$139,190	$57,104	$82,086	$31,789,680
1	7	$139,190	$56,957	$82,233	$31,707,447
1	8	$139,190	$56,809	$82,381	$31,625,066
1	9	$139,190	$56,662	$82,528	$31,542,538
1	10	$139,190	$56,514	$82,676	$31,459,862
1	11	$139,190	$56,366	$82,824	$31,377,038
1	12	$139,190	$56,217	$82,973	$31,294,066
2	13	$139,190	$56,069	$83,121	$31,210,944
2	14	$139,190	$55,920	$83,270	$31,127,674
2	15	$139,190	$55,770	$83,419	$31,044,255
2	16	$139,190	$55,621	$83,569	$30,960,686
2	17	$139,190	$55,471	$83,718	$30,876,968
2	18	$139,190	$55,321	$83,868	$30,793,099
2	19	$139,190	$55,171	$84,019	$30,709,080
2	20	$139,190	$55,020	$84,169	$30,624,911
2	21	$139,190	$54,870	$84,320	$30,540,591
2	22	$139,190	$54,719	$84,471	$30,456,120
2	23	$139,190	$54,567	$84,623	$30,371,497
2	24	$139,190	$54,416	$84,774	$30,286,723
3	25	$139,190	$54,264	$84,926	$30,201,797
3	26	$139,190	$54,112	$85,078	$30,116,719
3	27	$139,190	$53,959	$85,231	$30,031,489
3	28	$139,190	$53,806	$85,383	$29,946,105
3	29	$139,190	$53,653	$85,536	$29,860,569
3	30	$139,190	$53,500	$85,690	$29,774,879
3	31	$139,190	$53,347	$85,843	$29,689,036
3	32	$139,190	$53,193	$85,997	$29,603,040
3	33	$139,190	$53,039	$86,151	$29,516,889
3	34	$139,190	$52,884	$86,305	$29,430,583
3	35	$139,190	$52,730	$86,460	$29,344,123
3	36	$139,190	$52,575	$86,615	$29,257,509
4	37	$139,190	$52,420	$86,770	$29,170,739
4	38	$139,190	$52,264	$86,925	$29,083,813
4	39	$139,190	$52,108	$87,081	$28,996,732
4	40	$139,190	$51,952	$87,237	$28,909,495
4	41	$139,190	$51,796	$87,394	$28,822,101
4	42	$139,190	$51,640	$87,550	$28,734,551
4	43	$139,190	$51,483	$87,707	$28,646,844
4	44	$139,190	$51,326	$87,864	$28,558,980
4	45	$139,190	$51,168	$88,022	$28,470,958
4	46	$139,190	$51,010	$88,179	$28,382,779
4	47	$139,190	$50,852	$88,337	$28,294,442
4	48	$139,190	$50,694	$88,496	$28,205,946
5	49	$139,190	$50,536	$88,654	$28,117,292
5	50	$139,190	$50,377	$88,813	$28,028,479
5	51	$139,190	$50,218	$88,972	$27,939,507
5	52	$139,190	$50,058	$89,131	$27,850,376
5	53	$139,190	$49,899	$89,291	$27,761,085
5	54	$139,190	$49,739	$89,451	$27,671,634
5	55	$139,190	$49,578	$89,611	$27,582,022
5	56	$139,190	$49,418	$89,772	$27,492,250
5	57	$139,190	$49,257	$89,933	$27,402,318
5	58	$139,190	$49,096	$90,094	$27,312,224
5	59	$139,190	$48,934	$90,255	$27,221,968
5	60	$139,190	$48,773	$90,417	$27,131,551
6	61	$139,190	$48,611	$90,579	$27,040,972
6	62	$139,190	$48,448	$90,741	$26,950,231
6	63	$139,190	$48,286	$90,904	$26,859,327
6	64	$139,190	$48,123	$91,067	$26,768,260
6	65	$139,190	$47,960	$91,230	$26,677,031
6	66	$139,190	$47,796	$91,393	$26,585,637
6	67	$139,190	$47,633	$91,557	$26,494,080
6	68	$139,190	$47,469	$91,721	$26,402,359
6	69	$139,190	$47,304	$91,885	$26,310,473
6	70	$139,190	$47,140	$92,050	$26,218,423
6	71	$139,190	$46,975	$92,215	$26,126,208
6	72	$139,190	$46,809	$92,380	$26,033,828
7	73	$139,190	$46,644	$92,546	$25,941,282
7	74	$139,190	$46,478	$92,712	$25,848,571
7	75	$139,190	$46,312	$92,878	$25,755,693
7	76	$139,190	$46,146	$93,044	$25,662,649
7	77	$139,190	$45,979	$93,211	$25,569,438
7	78	$139,190	$45,812	$93,378	$25,476,060
7	79	$139,190	$45,645	$93,545	$25,382,515
7	80	$139,190	$45,477	$93,713	$25,288,802
7	81	$139,190	$45,309	$93,881	$25,194,922
7	82	$139,190	$45,141	$94,049	$25,100,873
7	83	$139,190	$44,972	$94,217	$25,006,656
7	84	$139,190	$44,804	$94,386	$24,912,270
8	85	$139,190	$44,634	$94,555	$24,817,714
8	86	$139,190	$44,465	$94,725	$24,722,990
8	87	$139,190	$44,295	$94,894	$24,628,095
8	88	$139,190	$44,125	$95,064	$24,533,031
8	89	$139,190	$43,955	$95,235	$24,437,796
8	90	$139,190	$43,784	$95,405	$24,342,391
8	91	$139,190	$43,613	$95,576	$24,246,815
8	92	$139,190	$43,442	$95,748	$24,151,067
8	93	$139,190	$43,271	$95,919	$24,055,148
8	94	$139,190	$43,099	$96,091	$23,959,057
8	95	$139,190	$42,927	$96,263	$23,862,794
8	96	$139,190	$42,754	$96,436	$23,766,359
9	97	$139,190	$42,581	$96,608	$23,669,750
9	98	$139,190	$42,408	$96,781	$23,572,969
9	99	$139,190	$42,235	$96,955	$23,476,014
9	100	$139,190	$42,061	$97,129	$23,378,885
9	101	$139,190	$41,887	$97,303	$23,281,583
9	102	$139,190	$41,713	$97,477	$23,184,106
9	103	$139,190	$41,538	$97,652	$23,086,455
9	104	$139,190	$41,363	$97,826	$22,988,628
9	105	$139,190	$41,188	$98,002	$22,890,626
9	106	$139,190	$41,012	$98,177	$22,792,449
9	107	$139,190	$40,836	$98,353	$22,694,096
9	108	$139,190	$40,660	$98,529	$22,595,566
10	109	$139,190	$40,484	$98,706	$22,496,860
10	110	$139,190	$40,307	$98,883	$22,397,977
10	111	$139,190	$40,130	$99,060	$22,298,917
10	112	$139,190	$39,952	$99,237	$22,199,680
10	113	$139,190	$39,774	$99,415	$22,100,265
10	114	$139,190	$39,596	$99,593	$22,000,671
10	115	$139,190	$39,418	$99,772	$21,900,899
10	116	$139,190	$39,239	$99,951	$21,800,949
10	117	$139,190	$39,060	$100,130	$21,700,819
10	118	$139,190	$38,881	$100,309	$21,600,510
10	119	$139,190	$38,701	$100,489	$21,500,021
10	120	$139,190	$38,521	$100,669	$21,399,352
11	121	$139,190	$38,341	$100,849	$21,298,503
11	122	$139,190	$38,160	$101,030	$21,197,473
11	123	$139,190	$37,979	$101,211	$21,096,262
11	124	$139,190	$37,797	$101,392	$20,994,870
11	125	$139,190	$37,616	$101,574	$20,893,296
11	126	$139,190	$37,434	$101,756	$20,791,540
11	127	$139,190	$37,252	$101,938	$20,689,602
11	128	$139,190	$37,069	$102,121	$20,587,481
11	129	$139,190	$36,886	$102,304	$20,485,177
11	130	$139,190	$36,703	$102,487	$20,382,690
11	131	$139,190	$36,519	$102,671	$20,280,020
11	132	$139,190	$36,335	$102,855	$20,177,165
12	133	$139,190	$36,151	$103,039	$20,074,126
12	134	$139,190	$35,966	$103,224	$19,970,902
12	135	$139,190	$35,781	$103,409	$19,867,494
12	136	$139,190	$35,596	$103,594	$19,763,900
12	137	$139,190	$35,410	$103,779	$19,660,121
12	138	$139,190	$35,224	$103,965	$19,556,155
12	139	$139,190	$35,038	$104,152	$19,452,004
12	140	$139,190	$34,852	$104,338	$19,347,666
12	141	$139,190	$34,665	$104,525	$19,243,140
12	142	$139,190	$34,477	$104,712	$19,138,428
12	143	$139,190	$34,290	$104,900	$19,033,528
12	144	$139,190	$34,102	$105,088	$18,928,440
13	145	$139,190	$33,913	$105,276	$18,823,164
13	146	$139,190	$33,725	$105,465	$18,717,699
13	147	$139,190	$33,536	$105,654	$18,612,045
13	148	$139,190	$33,347	$105,843	$18,506,202
13	149	$139,190	$33,157	$106,033	$18,400,169
13	150	$139,190	$32,967	$106,223	$18,293,946
13	151	$139,190	$32,777	$106,413	$18,187,533
13	152	$139,190	$32,586	$106,604	$18,080,930
13	153	$139,190	$32,395	$106,795	$17,974,135
13	154	$139,190	$32,204	$106,986	$17,867,149
13	155	$139,190	$32,012	$107,178	$17,759,971
13	156	$139,190	$31,820	$107,370	$17,652,601
14	157	$139,190	$31,628	$107,562	$17,545,039
14	158	$139,190	$31,435	$107,755	$17,437,284
14	159	$139,190	$31,242	$107,948	$17,329,336
14	160	$139,190	$31,048	$108,141	$17,221,195
14	161	$139,190	$30,855	$108,335	$17,112,860
14	162	$139,190	$30,661	$108,529	$17,004,331
14	163	$139,190	$30,466	$108,724	$16,895,607
14	164	$139,190	$30,271	$108,918	$16,786,689
14	165	$139,190	$30,076	$109,114	$16,677,575
14	166	$139,190	$29,881	$109,309	$16,568,266
14	167	$139,190	$29,685	$109,505	$16,458,761
14	168	$139,190	$29,489	$109,701	$16,349,060
15	169	$139,190	$29,292	$109,898	$16,239,162
15	170	$139,190	$29,095	$110,095	$16,129,068
15	171	$139,190	$28,898	$110,292	$16,018,776
15	172	$139,190	$28,700	$110,489	$15,908,287
15	173	$139,190	$28,502	$110,687	$15,797,599
15	174	$139,190	$28,304	$110,886	$15,686,714
15	175	$139,190	$28,105	$111,084	$15,575,629
15	176	$139,190	$27,906	$111,283	$15,464,346
15	177	$139,190	$27,707	$111,483	$15,352,863
15	178	$139,190	$27,507	$111,683	$15,241,181
15	179	$139,190	$27,307	$111,883	$15,129,298
15	180	$139,190	$27,107	$112,083	$15,017,215
16	181	$139,190	$26,906	$112,284	$14,904,931
16	182	$139,190	$26,705	$112,485	$14,792,446
16	183	$139,190	$26,503	$112,687	$14,679,759
16	184	$139,190	$26,301	$112,888	$14,566,871
16	185	$139,190	$26,099	$113,091	$14,453,780
16	186	$139,190	$25,896	$113,293	$14,340,487
16	187	$139,190	$25,693	$113,496	$14,226,991
16	188	$139,190	$25,490	$113,700	$14,113,291
16	189	$139,190	$25,286	$113,903	$13,999,387
16	190	$139,190	$25,082	$114,107	$13,885,280
16	191	$139,190	$24,878	$114,312	$13,770,968
16	192	$139,190	$24,673	$114,517	$13,656,451
17	193	$139,190	$24,468	$114,722	$13,541,729
17	194	$139,190	$24,262	$114,927	$13,426,802
17	195	$139,190	$24,056	$115,133	$13,311,669
17	196	$139,190	$23,850	$115,340	$13,196,329
17	197	$139,190	$23,643	$115,546	$13,080,783
17	198	$139,190	$23,436	$115,753	$12,965,029
17	199	$139,190	$23,229	$115,961	$12,849,069
17	200	$139,190	$23,021	$116,168	$12,732,900
17	201	$139,190	$22,813	$116,377	$12,616,524
17	202	$139,190	$22,605	$116,585	$12,499,938
17	203	$139,190	$22,396	$116,794	$12,383,144
17	204	$139,190	$22,186	$117,003	$12,266,141
18	205	$139,190	$21,977	$117,213	$12,148,928
18	206	$139,190	$21,767	$117,423	$12,031,505
18	207	$139,190	$21,556	$117,633	$11,913,872
18	208	$139,190	$21,346	$117,844	$11,796,028
18	209	$139,190	$21,135	$118,055	$11,677,973
18	210	$139,190	$20,923	$118,267	$11,559,706
18	211	$139,190	$20,711	$118,479	$11,441,228
18	212	$139,190	$20,499	$118,691	$11,322,537
18	213	$139,190	$20,286	$118,904	$11,203,633
18	214	$139,190	$20,073	$119,117	$11,084,517
18	215	$139,190	$19,860	$119,330	$10,965,187
18	216	$139,190	$19,646	$119,544	$10,845,643
19	217	$139,190	$19,432	$119,758	$10,725,885
19	218	$139,190	$19,217	$119,973	$10,605,913
19	219	$139,190	$19,002	$120,187	$10,485,725
19	220	$139,190	$18,787	$120,403	$10,365,322
19	221	$139,190	$18,571	$120,619	$10,244,704
19	222	$139,190	$18,355	$120,835	$10,123,869
19	223	$139,190	$18,139	$121,051	$10,002,818
19	224	$139,190	$17,922	$121,268	$9,881,550
19	225	$139,190	$17,704	$121,485	$9,760,065
19	226	$139,190	$17,487	$121,703	$9,638,362
19	227	$139,190	$17,269	$121,921	$9,516,441
19	228	$139,190	$17,050	$122,139	$9,394,302
20	229	$139,190	$16,831	$122,358	$9,271,943
20	230	$139,190	$16,612	$122,577	$9,149,366
20	231	$139,190	$16,393	$122,797	$9,026,569
20	232	$139,190	$16,173	$123,017	$8,903,552
20	233	$139,190	$15,952	$123,238	$8,780,314
20	234	$139,190	$15,731	$123,458	$8,656,856
20	235	$139,190	$15,510	$123,680	$8,533,176
20	236	$139,190	$15,289	$123,901	$8,409,275
20	237	$139,190	$15,067	$124,123	$8,285,152
20	238	$139,190	$14,844	$124,345	$8,160,807
20	239	$139,190	$14,621	$124,568	$8,036,238
20	240	$139,190	$14,398	$124,791	$7,911,447
21	241	$139,190	$14,175	$125,015	$7,786,432
21	242	$139,190	$13,951	$125,239	$7,661,193
21	243	$139,190	$13,726	$125,463	$7,535,729
21	244	$139,190	$13,502	$125,688	$7,410,041
21	245	$139,190	$13,276	$125,913	$7,284,128
21	246	$139,190	$13,051	$126,139	$7,157,989
21	247	$139,190	$12,825	$126,365	$7,031,624
21	248	$139,190	$12,598	$126,591	$6,905,032
21	249	$139,190	$12,372	$126,818	$6,778,214
21	250	$139,190	$12,144	$127,045	$6,651,169
21	251	$139,190	$11,917	$127,273	$6,523,896
21	252	$139,190	$11,689	$127,501	$6,396,395
22	253	$139,190	$11,460	$127,730	$6,268,665
22	254	$139,190	$11,231	$127,958	$6,140,707
22	255	$139,190	$11,002	$128,188	$6,012,519
22	256	$139,190	$10,772	$128,417	$5,884,102
22	257	$139,190	$10,542	$128,647	$5,755,455
22	258	$139,190	$10,312	$128,878	$5,626,577
22	259	$139,190	$10,081	$129,109	$5,497,468
22	260	$139,190	$9,850	$129,340	$5,368,128
22	261	$139,190	$9,618	$129,572	$5,238,556
22	262	$139,190	$9,386	$129,804	$5,108,752
22	263	$139,190	$9,153	$130,037	$4,978,716
22	264	$139,190	$8,920	$130,270	$4,848,446
23	265	$139,190	$8,687	$130,503	$4,717,943
23	266	$139,190	$8,453	$130,737	$4,587,206
23	267	$139,190	$8,219	$130,971	$4,456,235
23	268	$139,190	$7,984	$131,206	$4,325,030
23	269	$139,190	$7,749	$131,441	$4,193,589
23	270	$139,190	$7,514	$131,676	$4,061,913
23	271	$139,190	$7,278	$131,912	$3,930,001
23	272	$139,190	$7,041	$132,148	$3,797,852
23	273	$139,190	$6,804	$132,385	$3,665,467
23	274	$139,190	$6,567	$132,622	$3,532,845
23	275	$139,190	$6,330	$132,860	$3,399,985
23	276	$139,190	$6,092	$133,098	$3,266,886
24	277	$139,190	$5,853	$133,337	$3,133,550
24	278	$139,190	$5,614	$133,575	$2,999,975
24	279	$139,190	$5,375	$133,815	$2,866,160
24	280	$139,190	$5,135	$134,055	$2,732,105
24	281	$139,190	$4,895	$134,295	$2,597,811
24	282	$139,190	$4,654	$134,535	$2,463,275
24	283	$139,190	$4,413	$134,776	$2,328,499
24	284	$139,190	$4,172	$135,018	$2,193,481
24	285	$139,190	$3,930	$135,260	$2,058,221
24	286	$139,190	$3,688	$135,502	$1,922,719
24	287	$139,190	$3,445	$135,745	$1,786,974
24	288	$139,190	$3,202	$135,988	$1,650,986
25	289	$139,190	$2,958	$136,232	$1,514,755
25	290	$139,190	$2,714	$136,476	$1,378,279
25	291	$139,190	$2,469	$136,720	$1,241,559
25	292	$139,190	$2,224	$136,965	$1,104,593
25	293	$139,190	$1,979	$137,211	$967,383
25	294	$139,190	$1,733	$137,456	$829,926
25	295	$139,190	$1,487	$137,703	$692,223
25	296	$139,190	$1,240	$137,949	$554,274
25	297	$139,190	$993	$138,197	$416,077
25	298	$139,190	$745	$138,444	$277,633
25	299	$139,190	$497	$138,692	$138,941
25	300	$139,190	$249	$138,941	$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$ 21,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 22,058,000

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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.