Century 21 Centaland Property

Down Payment (HKD)

$10,800,000

Monthly Repayment (HKD)

$69,854

Loan Amount (HKD)

$16,200,000

Total Interest (HKD)

$4,756,072

Total Repayment (HKD)

$20,956,072

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$69,854	$29,025	$40,829	$16,159,171
1	2	$69,854	$28,952	$40,902	$16,118,270
1	3	$69,854	$28,879	$40,975	$16,077,295
1	4	$69,854	$28,805	$41,048	$16,036,246
1	5	$69,854	$28,732	$41,122	$15,995,124
1	6	$69,854	$28,658	$41,196	$15,953,929
1	7	$69,854	$28,584	$41,269	$15,912,659
1	8	$69,854	$28,510	$41,343	$15,871,316
1	9	$69,854	$28,436	$41,417	$15,829,898
1	10	$69,854	$28,362	$41,492	$15,788,407
1	11	$69,854	$28,288	$41,566	$15,746,841
1	12	$69,854	$28,213	$41,640	$15,705,200
2	13	$69,854	$28,138	$41,715	$15,663,485
2	14	$69,854	$28,064	$41,790	$15,621,695
2	15	$69,854	$27,989	$41,865	$15,579,831
2	16	$69,854	$27,914	$41,940	$15,537,891
2	17	$69,854	$27,839	$42,015	$15,495,876
2	18	$69,854	$27,763	$42,090	$15,453,786
2	19	$69,854	$27,688	$42,166	$15,411,620
2	20	$69,854	$27,612	$42,241	$15,369,379
2	21	$69,854	$27,537	$42,317	$15,327,062
2	22	$69,854	$27,461	$42,393	$15,284,670
2	23	$69,854	$27,385	$42,469	$15,242,201
2	24	$69,854	$27,309	$42,545	$15,199,657
3	25	$69,854	$27,233	$42,621	$15,157,036
3	26	$69,854	$27,156	$42,697	$15,114,339
3	27	$69,854	$27,080	$42,774	$15,071,565
3	28	$69,854	$27,003	$42,850	$15,028,715
3	29	$69,854	$26,926	$42,927	$14,985,787
3	30	$69,854	$26,850	$43,004	$14,942,783
3	31	$69,854	$26,772	$43,081	$14,899,702
3	32	$69,854	$26,695	$43,158	$14,856,544
3	33	$69,854	$26,618	$43,236	$14,813,308
3	34	$69,854	$26,541	$43,313	$14,769,995
3	35	$69,854	$26,463	$43,391	$14,726,605
3	36	$69,854	$26,385	$43,468	$14,683,136
4	37	$69,854	$26,307	$43,546	$14,639,590
4	38	$69,854	$26,229	$43,624	$14,595,966
4	39	$69,854	$26,151	$43,702	$14,552,263
4	40	$69,854	$26,073	$43,781	$14,508,482
4	41	$69,854	$25,994	$43,859	$14,464,623
4	42	$69,854	$25,916	$43,938	$14,420,685
4	43	$69,854	$25,837	$44,017	$14,376,669
4	44	$69,854	$25,758	$44,095	$14,332,574
4	45	$69,854	$25,679	$44,174	$14,288,399
4	46	$69,854	$25,600	$44,254	$14,244,146
4	47	$69,854	$25,521	$44,333	$14,199,813
4	48	$69,854	$25,441	$44,412	$14,155,401
5	49	$69,854	$25,362	$44,492	$14,110,909
5	50	$69,854	$25,282	$44,572	$14,066,337
5	51	$69,854	$25,202	$44,651	$14,021,686
5	52	$69,854	$25,122	$44,731	$13,976,954
5	53	$69,854	$25,042	$44,812	$13,932,143
5	54	$69,854	$24,962	$44,892	$13,887,251
5	55	$69,854	$24,881	$44,972	$13,842,279
5	56	$69,854	$24,801	$45,053	$13,797,226
5	57	$69,854	$24,720	$45,134	$13,752,092
5	58	$69,854	$24,639	$45,214	$13,706,878
5	59	$69,854	$24,558	$45,295	$13,661,583
5	60	$69,854	$24,477	$45,377	$13,616,206
6	61	$69,854	$24,396	$45,458	$13,570,748
6	62	$69,854	$24,314	$45,539	$13,525,209
6	63	$69,854	$24,233	$45,621	$13,479,588
6	64	$69,854	$24,151	$45,703	$13,433,885
6	65	$69,854	$24,069	$45,785	$13,388,101
6	66	$69,854	$23,987	$45,867	$13,342,234
6	67	$69,854	$23,905	$45,949	$13,296,286
6	68	$69,854	$23,823	$46,031	$13,250,254
6	69	$69,854	$23,740	$46,114	$13,204,141
6	70	$69,854	$23,657	$46,196	$13,157,945
6	71	$69,854	$23,575	$46,279	$13,111,666
6	72	$69,854	$23,492	$46,362	$13,065,304
7	73	$69,854	$23,409	$46,445	$13,018,859
7	74	$69,854	$23,325	$46,528	$12,972,331
7	75	$69,854	$23,242	$46,611	$12,925,719
7	76	$69,854	$23,159	$46,695	$12,879,025
7	77	$69,854	$23,075	$46,779	$12,832,246
7	78	$69,854	$22,991	$46,862	$12,785,383
7	79	$69,854	$22,907	$46,946	$12,738,437
7	80	$69,854	$22,823	$47,031	$12,691,406
7	81	$69,854	$22,739	$47,115	$12,644,292
7	82	$69,854	$22,654	$47,199	$12,597,092
7	83	$69,854	$22,570	$47,284	$12,549,809
7	84	$69,854	$22,485	$47,369	$12,502,440
8	85	$69,854	$22,400	$47,453	$12,454,987
8	86	$69,854	$22,315	$47,538	$12,407,448
8	87	$69,854	$22,230	$47,624	$12,359,825
8	88	$69,854	$22,145	$47,709	$12,312,116
8	89	$69,854	$22,059	$47,794	$12,264,322
8	90	$69,854	$21,974	$47,880	$12,216,442
8	91	$69,854	$21,888	$47,966	$12,168,476
8	92	$69,854	$21,802	$48,052	$12,120,424
8	93	$69,854	$21,716	$48,138	$12,072,286
8	94	$69,854	$21,630	$48,224	$12,024,062
8	95	$69,854	$21,543	$48,310	$11,975,752
8	96	$69,854	$21,457	$48,397	$11,927,355
9	97	$69,854	$21,370	$48,484	$11,878,871
9	98	$69,854	$21,283	$48,571	$11,830,300
9	99	$69,854	$21,196	$48,658	$11,781,643
9	100	$69,854	$21,109	$48,745	$11,732,898
9	101	$69,854	$21,021	$48,832	$11,684,066
9	102	$69,854	$20,934	$48,920	$11,635,146
9	103	$69,854	$20,846	$49,007	$11,586,139
9	104	$69,854	$20,758	$49,095	$11,537,044
9	105	$69,854	$20,671	$49,183	$11,487,861
9	106	$69,854	$20,582	$49,271	$11,438,590
9	107	$69,854	$20,494	$49,359	$11,389,230
9	108	$69,854	$20,406	$49,448	$11,339,782
10	109	$69,854	$20,317	$49,536	$11,290,246
10	110	$69,854	$20,228	$49,625	$11,240,621
10	111	$69,854	$20,139	$49,714	$11,190,906
10	112	$69,854	$20,050	$49,803	$11,141,103
10	113	$69,854	$19,961	$49,892	$11,091,211
10	114	$69,854	$19,872	$49,982	$11,041,229
10	115	$69,854	$19,782	$50,071	$10,991,158
10	116	$69,854	$19,692	$50,161	$10,940,997
10	117	$69,854	$19,603	$50,251	$10,890,746
10	118	$69,854	$19,513	$50,341	$10,840,405
10	119	$69,854	$19,422	$50,431	$10,789,973
10	120	$69,854	$19,332	$50,522	$10,739,452
11	121	$69,854	$19,242	$50,612	$10,688,840
11	122	$69,854	$19,151	$50,703	$10,638,137
11	123	$69,854	$19,060	$50,794	$10,587,344
11	124	$69,854	$18,969	$50,885	$10,536,459
11	125	$69,854	$18,878	$50,976	$10,485,483
11	126	$69,854	$18,786	$51,067	$10,434,416
11	127	$69,854	$18,695	$51,159	$10,383,258
11	128	$69,854	$18,603	$51,250	$10,332,007
11	129	$69,854	$18,512	$51,342	$10,280,665
11	130	$69,854	$18,420	$51,434	$10,229,231
11	131	$69,854	$18,327	$51,526	$10,177,705
11	132	$69,854	$18,235	$51,619	$10,126,086
12	133	$69,854	$18,143	$51,711	$10,074,375
12	134	$69,854	$18,050	$51,804	$10,022,572
12	135	$69,854	$17,957	$51,896	$9,970,675
12	136	$69,854	$17,864	$51,989	$9,918,686
12	137	$69,854	$17,771	$52,083	$9,866,603
12	138	$69,854	$17,678	$52,176	$9,814,427
12	139	$69,854	$17,584	$52,269	$9,762,158
12	140	$69,854	$17,491	$52,363	$9,709,795
12	141	$69,854	$17,397	$52,457	$9,657,338
12	142	$69,854	$17,303	$52,551	$9,604,787
12	143	$69,854	$17,209	$52,645	$9,552,142
12	144	$69,854	$17,114	$52,739	$9,499,403
13	145	$69,854	$17,020	$52,834	$9,446,569
13	146	$69,854	$16,925	$52,928	$9,393,641
13	147	$69,854	$16,830	$53,023	$9,340,617
13	148	$69,854	$16,735	$53,118	$9,287,499
13	149	$69,854	$16,640	$53,213	$9,234,286
13	150	$69,854	$16,545	$53,309	$9,180,977
13	151	$69,854	$16,449	$53,404	$9,127,572
13	152	$69,854	$16,354	$53,500	$9,074,072
13	153	$69,854	$16,258	$53,596	$9,020,477
13	154	$69,854	$16,162	$53,692	$8,966,785
13	155	$69,854	$16,065	$53,788	$8,912,997
13	156	$69,854	$15,969	$53,884	$8,859,112
14	157	$69,854	$15,873	$53,981	$8,805,131
14	158	$69,854	$15,776	$54,078	$8,751,053
14	159	$69,854	$15,679	$54,175	$8,696,879
14	160	$69,854	$15,582	$54,272	$8,642,607
14	161	$69,854	$15,485	$54,369	$8,588,238
14	162	$69,854	$15,387	$54,466	$8,533,772
14	163	$69,854	$15,290	$54,564	$8,479,208
14	164	$69,854	$15,192	$54,662	$8,424,546
14	165	$69,854	$15,094	$54,760	$8,369,787
14	166	$69,854	$14,996	$54,858	$8,314,929
14	167	$69,854	$14,898	$54,956	$8,259,973
14	168	$69,854	$14,799	$55,054	$8,204,919
15	169	$69,854	$14,700	$55,153	$8,149,766
15	170	$69,854	$14,602	$55,252	$8,094,514
15	171	$69,854	$14,503	$55,351	$8,039,163
15	172	$69,854	$14,403	$55,450	$7,983,713
15	173	$69,854	$14,304	$55,549	$7,928,163
15	174	$69,854	$14,205	$55,649	$7,872,514
15	175	$69,854	$14,105	$55,749	$7,816,766
15	176	$69,854	$14,005	$55,849	$7,760,917
15	177	$69,854	$13,905	$55,949	$7,704,968
15	178	$69,854	$13,805	$56,049	$7,648,920
15	179	$69,854	$13,704	$56,149	$7,592,770
15	180	$69,854	$13,604	$56,250	$7,536,521
16	181	$69,854	$13,503	$56,351	$7,480,170
16	182	$69,854	$13,402	$56,452	$7,423,718
16	183	$69,854	$13,301	$56,553	$7,367,166
16	184	$69,854	$13,200	$56,654	$7,310,511
16	185	$69,854	$13,098	$56,756	$7,253,756
16	186	$69,854	$12,996	$56,857	$7,196,899
16	187	$69,854	$12,894	$56,959	$7,139,939
16	188	$69,854	$12,792	$57,061	$7,082,878
16	189	$69,854	$12,690	$57,163	$7,025,715
16	190	$69,854	$12,588	$57,266	$6,968,449
16	191	$69,854	$12,485	$57,368	$6,911,081
16	192	$69,854	$12,382	$57,471	$6,853,609
17	193	$69,854	$12,279	$57,574	$6,796,035
17	194	$69,854	$12,176	$57,677	$6,738,358
17	195	$69,854	$12,073	$57,781	$6,680,577
17	196	$69,854	$11,969	$57,884	$6,622,693
17	197	$69,854	$11,866	$57,988	$6,564,705
17	198	$69,854	$11,762	$58,092	$6,506,613
17	199	$69,854	$11,658	$58,196	$6,448,417
17	200	$69,854	$11,553	$58,300	$6,390,117
17	201	$69,854	$11,449	$58,405	$6,331,713
17	202	$69,854	$11,344	$58,509	$6,273,203
17	203	$69,854	$11,239	$58,614	$6,214,589
17	204	$69,854	$11,134	$58,719	$6,155,870
18	205	$69,854	$11,029	$58,824	$6,097,046
18	206	$69,854	$10,924	$58,930	$6,038,116
18	207	$69,854	$10,818	$59,035	$5,979,081
18	208	$69,854	$10,713	$59,141	$5,919,940
18	209	$69,854	$10,607	$59,247	$5,860,693
18	210	$69,854	$10,500	$59,353	$5,801,340
18	211	$69,854	$10,394	$59,460	$5,741,880
18	212	$69,854	$10,288	$59,566	$5,682,314
18	213	$69,854	$10,181	$59,673	$5,622,641
18	214	$69,854	$10,074	$59,780	$5,562,862
18	215	$69,854	$9,967	$59,887	$5,502,975
18	216	$69,854	$9,859	$59,994	$5,442,981
19	217	$69,854	$9,752	$60,102	$5,382,879
19	218	$69,854	$9,644	$60,209	$5,322,670
19	219	$69,854	$9,536	$60,317	$5,262,353
19	220	$69,854	$9,428	$60,425	$5,201,928
19	221	$69,854	$9,320	$60,533	$5,141,394
19	222	$69,854	$9,212	$60,642	$5,080,752
19	223	$69,854	$9,103	$60,751	$5,020,002
19	224	$69,854	$8,994	$60,859	$4,959,142
19	225	$69,854	$8,885	$60,968	$4,898,174
19	226	$69,854	$8,776	$61,078	$4,837,096
19	227	$69,854	$8,666	$61,187	$4,775,909
19	228	$69,854	$8,557	$61,297	$4,714,612
20	229	$69,854	$8,447	$61,407	$4,653,206
20	230	$69,854	$8,337	$61,517	$4,591,689
20	231	$69,854	$8,227	$61,627	$4,530,062
20	232	$69,854	$8,116	$61,737	$4,468,325
20	233	$69,854	$8,006	$61,848	$4,406,477
20	234	$69,854	$7,895	$61,959	$4,344,519
20	235	$69,854	$7,784	$62,070	$4,282,449
20	236	$69,854	$7,673	$62,181	$4,220,268
20	237	$69,854	$7,561	$62,292	$4,157,976
20	238	$69,854	$7,450	$62,404	$4,095,572
20	239	$69,854	$7,338	$62,516	$4,033,056
20	240	$69,854	$7,226	$62,628	$3,970,429
21	241	$69,854	$7,114	$62,740	$3,907,689
21	242	$69,854	$7,001	$62,852	$3,844,837
21	243	$69,854	$6,889	$62,965	$3,781,872
21	244	$69,854	$6,776	$63,078	$3,718,794
21	245	$69,854	$6,663	$63,191	$3,655,603
21	246	$69,854	$6,550	$63,304	$3,592,299
21	247	$69,854	$6,436	$63,417	$3,528,882
21	248	$69,854	$6,323	$63,531	$3,465,351
21	249	$69,854	$6,209	$63,645	$3,401,706
21	250	$69,854	$6,095	$63,759	$3,337,947
21	251	$69,854	$5,980	$63,873	$3,274,074
21	252	$69,854	$5,866	$63,988	$3,210,087
22	253	$69,854	$5,751	$64,102	$3,145,984
22	254	$69,854	$5,637	$64,217	$3,081,767
22	255	$69,854	$5,521	$64,332	$3,017,435
22	256	$69,854	$5,406	$64,447	$2,952,988
22	257	$69,854	$5,291	$64,563	$2,888,425
22	258	$69,854	$5,175	$64,678	$2,823,747
22	259	$69,854	$5,059	$64,794	$2,758,952
22	260	$69,854	$4,943	$64,910	$2,694,042
22	261	$69,854	$4,827	$65,027	$2,629,015
22	262	$69,854	$4,710	$65,143	$2,563,872
22	263	$69,854	$4,594	$65,260	$2,498,612
22	264	$69,854	$4,477	$65,377	$2,433,235
23	265	$69,854	$4,360	$65,494	$2,367,741
23	266	$69,854	$4,242	$65,611	$2,302,130
23	267	$69,854	$4,125	$65,729	$2,236,401
23	268	$69,854	$4,007	$65,847	$2,170,554
23	269	$69,854	$3,889	$65,965	$2,104,589
23	270	$69,854	$3,771	$66,083	$2,038,506
23	271	$69,854	$3,652	$66,201	$1,972,305
23	272	$69,854	$3,534	$66,320	$1,905,985
23	273	$69,854	$3,415	$66,439	$1,839,547
23	274	$69,854	$3,296	$66,558	$1,772,989
23	275	$69,854	$3,177	$66,677	$1,706,312
23	276	$69,854	$3,057	$66,796	$1,639,516
24	277	$69,854	$2,937	$66,916	$1,572,599
24	278	$69,854	$2,818	$67,036	$1,505,563
24	279	$69,854	$2,697	$67,156	$1,438,407
24	280	$69,854	$2,577	$67,276	$1,371,131
24	281	$69,854	$2,457	$67,397	$1,303,734
24	282	$69,854	$2,336	$67,518	$1,236,216
24	283	$69,854	$2,215	$67,639	$1,168,578
24	284	$69,854	$2,094	$67,760	$1,100,818
24	285	$69,854	$1,972	$67,881	$1,032,936
24	286	$69,854	$1,851	$68,003	$964,933
24	287	$69,854	$1,729	$68,125	$896,809
24	288	$69,854	$1,607	$68,247	$828,562
25	289	$69,854	$1,485	$68,369	$760,193
25	290	$69,854	$1,362	$68,492	$691,701
25	291	$69,854	$1,239	$68,614	$623,087
25	292	$69,854	$1,116	$68,737	$554,350
25	293	$69,854	$993	$68,860	$485,489
25	294	$69,854	$870	$68,984	$416,506
25	295	$69,854	$746	$69,107	$347,398
25	296	$69,854	$622	$69,231	$278,167
25	297	$69,854	$498	$69,355	$208,812
25	298	$69,854	$374	$69,479	$139,333
25	299	$69,854	$250	$69,604	$69,729
25	300	$69,854	$125	$69,729	$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$ 10,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 11,070,000

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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.