Century 21 Centaland Property

Down Payment (HKD)

$75,200,000

Monthly Repayment (HKD)

$486,388

Loan Amount (HKD)

$112,800,000

Total Interest (HKD)

$33,116,356

Total Repayment (HKD)

$145,916,356

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$486,388	$202,100	$284,288	$112,515,712
1	2	$486,388	$201,591	$284,797	$112,230,915
1	3	$486,388	$201,080	$285,307	$111,945,607
1	4	$486,388	$200,569	$285,819	$111,659,789
1	5	$486,388	$200,057	$286,331	$111,373,458
1	6	$486,388	$199,544	$286,844	$111,086,614
1	7	$486,388	$199,030	$287,358	$110,799,257
1	8	$486,388	$198,515	$287,873	$110,511,384
1	9	$486,388	$198,000	$288,388	$110,222,996
1	10	$486,388	$197,483	$288,905	$109,934,091
1	11	$486,388	$196,965	$289,423	$109,644,668
1	12	$486,388	$196,447	$289,941	$109,354,727
2	13	$486,388	$195,927	$290,461	$109,064,266
2	14	$486,388	$195,407	$290,981	$108,773,285
2	15	$486,388	$194,885	$291,502	$108,481,783
2	16	$486,388	$194,363	$292,025	$108,189,758
2	17	$486,388	$193,840	$292,548	$107,897,211
2	18	$486,388	$193,316	$293,072	$107,604,139
2	19	$486,388	$192,791	$293,597	$107,310,541
2	20	$486,388	$192,265	$294,123	$107,016,418
2	21	$486,388	$191,738	$294,650	$106,721,768
2	22	$486,388	$191,210	$295,178	$106,426,590
2	23	$486,388	$190,681	$295,707	$106,130,883
2	24	$486,388	$190,151	$296,237	$105,834,647
3	25	$486,388	$189,620	$296,767	$105,537,879
3	26	$486,388	$189,089	$297,299	$105,240,580
3	27	$486,388	$188,556	$297,832	$104,942,748
3	28	$486,388	$188,022	$298,365	$104,644,383
3	29	$486,388	$187,488	$298,900	$104,345,483
3	30	$486,388	$186,952	$299,436	$104,046,047
3	31	$486,388	$186,416	$299,972	$103,746,075
3	32	$486,388	$185,878	$300,509	$103,445,566
3	33	$486,388	$185,340	$301,048	$103,144,518
3	34	$486,388	$184,801	$301,587	$102,842,931
3	35	$486,388	$184,260	$302,128	$102,540,803
3	36	$486,388	$183,719	$302,669	$102,238,134
4	37	$486,388	$183,177	$303,211	$101,934,923
4	38	$486,388	$182,633	$303,754	$101,631,168
4	39	$486,388	$182,089	$304,299	$101,326,870
4	40	$486,388	$181,544	$304,844	$101,022,026
4	41	$486,388	$180,998	$305,390	$100,716,636
4	42	$486,388	$180,451	$305,937	$100,410,699
4	43	$486,388	$179,903	$306,485	$100,104,213
4	44	$486,388	$179,353	$307,034	$99,797,179
4	45	$486,388	$178,803	$307,585	$99,489,594
4	46	$486,388	$178,252	$308,136	$99,181,459
4	47	$486,388	$177,700	$308,688	$98,872,771
4	48	$486,388	$177,147	$309,241	$98,563,530
5	49	$486,388	$176,593	$309,795	$98,253,735
5	50	$486,388	$176,038	$310,350	$97,943,385
5	51	$486,388	$175,482	$310,906	$97,632,479
5	52	$486,388	$174,925	$311,463	$97,321,016
5	53	$486,388	$174,367	$312,021	$97,008,995
5	54	$486,388	$173,808	$312,580	$96,696,415
5	55	$486,388	$173,248	$313,140	$96,383,275
5	56	$486,388	$172,687	$313,701	$96,069,574
5	57	$486,388	$172,125	$314,263	$95,755,311
5	58	$486,388	$171,562	$314,826	$95,440,484
5	59	$486,388	$170,998	$315,390	$95,125,094
5	60	$486,388	$170,432	$315,955	$94,809,139
6	61	$486,388	$169,866	$316,521	$94,492,617
6	62	$486,388	$169,299	$317,089	$94,175,529
6	63	$486,388	$168,731	$317,657	$93,857,872
6	64	$486,388	$168,162	$318,226	$93,539,646
6	65	$486,388	$167,592	$318,796	$93,220,850
6	66	$486,388	$167,021	$319,367	$92,901,483
6	67	$486,388	$166,448	$319,939	$92,581,544
6	68	$486,388	$165,875	$320,513	$92,261,031
6	69	$486,388	$165,301	$321,087	$91,939,944
6	70	$486,388	$164,726	$321,662	$91,618,282
6	71	$486,388	$164,149	$322,238	$91,296,044
6	72	$486,388	$163,572	$322,816	$90,973,228
7	73	$486,388	$162,994	$323,394	$90,649,834
7	74	$486,388	$162,414	$323,974	$90,325,860
7	75	$486,388	$161,834	$324,554	$90,001,306
7	76	$486,388	$161,252	$325,136	$89,676,171
7	77	$486,388	$160,670	$325,718	$89,350,453
7	78	$486,388	$160,086	$326,302	$89,024,151
7	79	$486,388	$159,502	$326,886	$88,697,265
7	80	$486,388	$158,916	$327,472	$88,369,793
7	81	$486,388	$158,329	$328,059	$88,041,734
7	82	$486,388	$157,741	$328,646	$87,713,088
7	83	$486,388	$157,153	$329,235	$87,383,852
7	84	$486,388	$156,563	$329,825	$87,054,027
8	85	$486,388	$155,972	$330,416	$86,723,611
8	86	$486,388	$155,380	$331,008	$86,392,603
8	87	$486,388	$154,787	$331,601	$86,061,002
8	88	$486,388	$154,193	$332,195	$85,728,807
8	89	$486,388	$153,597	$332,790	$85,396,016
8	90	$486,388	$153,001	$333,387	$85,062,630
8	91	$486,388	$152,404	$333,984	$84,728,646
8	92	$486,388	$151,805	$334,582	$84,394,063
8	93	$486,388	$151,206	$335,182	$84,058,882
8	94	$486,388	$150,605	$335,782	$83,723,099
8	95	$486,388	$150,004	$336,384	$83,386,715
8	96	$486,388	$149,401	$336,987	$83,049,729
9	97	$486,388	$148,797	$337,590	$82,712,138
9	98	$486,388	$148,193	$338,195	$82,373,943
9	99	$486,388	$147,587	$338,801	$82,035,142
9	100	$486,388	$146,980	$339,408	$81,695,734
9	101	$486,388	$146,372	$340,016	$81,355,717
9	102	$486,388	$145,762	$340,626	$81,015,092
9	103	$486,388	$145,152	$341,236	$80,673,856
9	104	$486,388	$144,541	$341,847	$80,332,009
9	105	$486,388	$143,928	$342,460	$79,989,549
9	106	$486,388	$143,315	$343,073	$79,646,476
9	107	$486,388	$142,700	$343,688	$79,302,788
9	108	$486,388	$142,084	$344,304	$78,958,484
10	109	$486,388	$141,467	$344,921	$78,613,564
10	110	$486,388	$140,849	$345,539	$78,268,025
10	111	$486,388	$140,230	$346,158	$77,921,867
10	112	$486,388	$139,610	$346,778	$77,575,090
10	113	$486,388	$138,989	$347,399	$77,227,690
10	114	$486,388	$138,366	$348,022	$76,879,669
10	115	$486,388	$137,743	$348,645	$76,531,024
10	116	$486,388	$137,118	$349,270	$76,181,754
10	117	$486,388	$136,492	$349,896	$75,831,858
10	118	$486,388	$135,865	$350,522	$75,481,336
10	119	$486,388	$135,237	$351,150	$75,130,186
10	120	$486,388	$134,608	$351,780	$74,778,406
11	121	$486,388	$133,978	$352,410	$74,425,996
11	122	$486,388	$133,347	$353,041	$74,072,955
11	123	$486,388	$132,714	$353,674	$73,719,281
11	124	$486,388	$132,080	$354,307	$73,364,973
11	125	$486,388	$131,446	$354,942	$73,010,031
11	126	$486,388	$130,810	$355,578	$72,654,453
11	127	$486,388	$130,173	$356,215	$72,298,238
11	128	$486,388	$129,534	$356,854	$71,941,384
11	129	$486,388	$128,895	$357,493	$71,583,891
11	130	$486,388	$128,254	$358,133	$71,225,758
11	131	$486,388	$127,613	$358,775	$70,866,983
11	132	$486,388	$126,970	$359,418	$70,507,565
12	133	$486,388	$126,326	$360,062	$70,147,503
12	134	$486,388	$125,681	$360,707	$69,786,796
12	135	$486,388	$125,035	$361,353	$69,425,443
12	136	$486,388	$124,387	$362,001	$69,063,443
12	137	$486,388	$123,739	$362,649	$68,700,793
12	138	$486,388	$123,089	$363,299	$68,337,494
12	139	$486,388	$122,438	$363,950	$67,973,545
12	140	$486,388	$121,786	$364,602	$67,608,943
12	141	$486,388	$121,133	$365,255	$67,243,687
12	142	$486,388	$120,478	$365,910	$66,877,778
12	143	$486,388	$119,823	$366,565	$66,511,213
12	144	$486,388	$119,166	$367,222	$66,143,991
13	145	$486,388	$118,508	$367,880	$65,776,111
13	146	$486,388	$117,849	$368,539	$65,407,572
13	147	$486,388	$117,189	$369,199	$65,038,373
13	148	$486,388	$116,527	$369,861	$64,668,512
13	149	$486,388	$115,864	$370,523	$64,297,988
13	150	$486,388	$115,201	$371,187	$63,926,801
13	151	$486,388	$114,536	$371,852	$63,554,949
13	152	$486,388	$113,869	$372,519	$63,182,430
13	153	$486,388	$113,202	$373,186	$62,809,244
13	154	$486,388	$112,533	$373,855	$62,435,390
13	155	$486,388	$111,863	$374,524	$62,060,865
13	156	$486,388	$111,192	$375,195	$61,685,670
14	157	$486,388	$110,520	$375,868	$61,309,802
14	158	$486,388	$109,847	$376,541	$60,933,261
14	159	$486,388	$109,172	$377,216	$60,556,045
14	160	$486,388	$108,496	$377,892	$60,178,154
14	161	$486,388	$107,819	$378,569	$59,799,585
14	162	$486,388	$107,141	$379,247	$59,420,338
14	163	$486,388	$106,461	$379,926	$59,040,412
14	164	$486,388	$105,781	$380,607	$58,659,804
14	165	$486,388	$105,099	$381,289	$58,278,515
14	166	$486,388	$104,416	$381,972	$57,896,543
14	167	$486,388	$103,731	$382,657	$57,513,887
14	168	$486,388	$103,046	$383,342	$57,130,545
15	169	$486,388	$102,359	$384,029	$56,746,516
15	170	$486,388	$101,671	$384,717	$56,361,799
15	171	$486,388	$100,982	$385,406	$55,976,392
15	172	$486,388	$100,291	$386,097	$55,590,295
15	173	$486,388	$99,599	$386,789	$55,203,507
15	174	$486,388	$98,906	$387,482	$54,816,025
15	175	$486,388	$98,212	$388,176	$54,427,849
15	176	$486,388	$97,517	$388,871	$54,038,978
15	177	$486,388	$96,820	$389,568	$53,649,410
15	178	$486,388	$96,122	$390,266	$53,259,144
15	179	$486,388	$95,423	$390,965	$52,868,179
15	180	$486,388	$94,722	$391,666	$52,476,513
16	181	$486,388	$94,020	$392,367	$52,084,146
16	182	$486,388	$93,317	$393,070	$51,691,075
16	183	$486,388	$92,613	$393,775	$51,297,301
16	184	$486,388	$91,908	$394,480	$50,902,821
16	185	$486,388	$91,201	$395,187	$50,507,634
16	186	$486,388	$90,493	$395,895	$50,111,739
16	187	$486,388	$89,784	$396,604	$49,715,134
16	188	$486,388	$89,073	$397,315	$49,317,819
16	189	$486,388	$88,361	$398,027	$48,919,793
16	190	$486,388	$87,648	$398,740	$48,521,053
16	191	$486,388	$86,934	$399,454	$48,121,598
16	192	$486,388	$86,218	$400,170	$47,721,428
17	193	$486,388	$85,501	$400,887	$47,320,541
17	194	$486,388	$84,783	$401,605	$46,918,936
17	195	$486,388	$84,063	$402,325	$46,516,611
17	196	$486,388	$83,342	$403,046	$46,113,566
17	197	$486,388	$82,620	$403,768	$45,709,798
17	198	$486,388	$81,897	$404,491	$45,305,307
17	199	$486,388	$81,172	$405,216	$44,900,091
17	200	$486,388	$80,446	$405,942	$44,494,149
17	201	$486,388	$79,719	$406,669	$44,087,480
17	202	$486,388	$78,990	$407,398	$43,680,082
17	203	$486,388	$78,260	$408,128	$43,271,955
17	204	$486,388	$77,529	$408,859	$42,863,096
18	205	$486,388	$76,796	$409,591	$42,453,504
18	206	$486,388	$76,063	$410,325	$42,043,179
18	207	$486,388	$75,327	$411,060	$41,632,118
18	208	$486,388	$74,591	$411,797	$41,220,321
18	209	$486,388	$73,853	$412,535	$40,807,787
18	210	$486,388	$73,114	$413,274	$40,394,513
18	211	$486,388	$72,374	$414,014	$39,980,498
18	212	$486,388	$71,632	$414,756	$39,565,742
18	213	$486,388	$70,889	$415,499	$39,150,243
18	214	$486,388	$70,144	$416,244	$38,733,999
18	215	$486,388	$69,398	$416,989	$38,317,010
18	216	$486,388	$68,651	$417,737	$37,899,273
19	217	$486,388	$67,903	$418,485	$37,480,788
19	218	$486,388	$67,153	$419,235	$37,061,554
19	219	$486,388	$66,402	$419,986	$36,641,568
19	220	$486,388	$65,649	$420,738	$36,220,829
19	221	$486,388	$64,896	$421,492	$35,799,337
19	222	$486,388	$64,140	$422,247	$35,377,090
19	223	$486,388	$63,384	$423,004	$34,954,086
19	224	$486,388	$62,626	$423,762	$34,530,324
19	225	$486,388	$61,867	$424,521	$34,105,803
19	226	$486,388	$61,106	$425,282	$33,680,521
19	227	$486,388	$60,344	$426,044	$33,254,478
19	228	$486,388	$59,581	$426,807	$32,827,671
20	229	$486,388	$58,816	$427,572	$32,400,099
20	230	$486,388	$58,050	$428,338	$31,971,762
20	231	$486,388	$57,283	$429,105	$31,542,657
20	232	$486,388	$56,514	$429,874	$31,112,783
20	233	$486,388	$55,744	$430,644	$30,682,138
20	234	$486,388	$54,972	$431,416	$30,250,723
20	235	$486,388	$54,199	$432,189	$29,818,534
20	236	$486,388	$53,425	$432,963	$29,385,571
20	237	$486,388	$52,649	$433,739	$28,951,832
20	238	$486,388	$51,872	$434,516	$28,517,317
20	239	$486,388	$51,094	$435,294	$28,082,022
20	240	$486,388	$50,314	$436,074	$27,645,948
21	241	$486,388	$49,532	$436,856	$27,209,093
21	242	$486,388	$48,750	$437,638	$26,771,454
21	243	$486,388	$47,966	$438,422	$26,333,032
21	244	$486,388	$47,180	$439,208	$25,893,824
21	245	$486,388	$46,393	$439,995	$25,453,829
21	246	$486,388	$45,605	$440,783	$25,013,046
21	247	$486,388	$44,815	$441,573	$24,571,473
21	248	$486,388	$44,024	$442,364	$24,129,110
21	249	$486,388	$43,231	$443,157	$23,685,953
21	250	$486,388	$42,437	$443,951	$23,242,002
21	251	$486,388	$41,642	$444,746	$22,797,257
21	252	$486,388	$40,845	$445,543	$22,351,714
22	253	$486,388	$40,047	$446,341	$21,905,373
22	254	$486,388	$39,247	$447,141	$21,458,232
22	255	$486,388	$38,446	$447,942	$21,010,290
22	256	$486,388	$37,643	$448,744	$20,561,546
22	257	$486,388	$36,839	$449,548	$20,111,997
22	258	$486,388	$36,034	$450,354	$19,661,643
22	259	$486,388	$35,227	$451,161	$19,210,483
22	260	$486,388	$34,419	$451,969	$18,758,514
22	261	$486,388	$33,609	$452,779	$18,305,735
22	262	$486,388	$32,798	$453,590	$17,852,145
22	263	$486,388	$31,985	$454,403	$17,397,742
22	264	$486,388	$31,171	$455,217	$16,942,525
23	265	$486,388	$30,355	$456,032	$16,486,493
23	266	$486,388	$29,538	$456,850	$16,029,643
23	267	$486,388	$28,720	$457,668	$15,571,975
23	268	$486,388	$27,900	$458,488	$15,113,487
23	269	$486,388	$27,078	$459,310	$14,654,177
23	270	$486,388	$26,255	$460,132	$14,194,045
23	271	$486,388	$25,431	$460,957	$13,733,088
23	272	$486,388	$24,605	$461,783	$13,271,305
23	273	$486,388	$23,778	$462,610	$12,808,695
23	274	$486,388	$22,949	$463,439	$12,345,256
23	275	$486,388	$22,119	$464,269	$11,880,987
23	276	$486,388	$21,287	$465,101	$11,415,886
24	277	$486,388	$20,453	$465,934	$10,949,952
24	278	$486,388	$19,619	$466,769	$10,483,182
24	279	$486,388	$18,782	$467,605	$10,015,577
24	280	$486,388	$17,945	$468,443	$9,547,134
24	281	$486,388	$17,105	$469,283	$9,077,851
24	282	$486,388	$16,264	$470,123	$8,607,728
24	283	$486,388	$15,422	$470,966	$8,136,762
24	284	$486,388	$14,578	$471,809	$7,664,952
24	285	$486,388	$13,733	$472,655	$7,192,298
24	286	$486,388	$12,886	$473,502	$6,718,796
24	287	$486,388	$12,038	$474,350	$6,244,446
24	288	$486,388	$11,188	$475,200	$5,769,246
25	289	$486,388	$10,337	$476,051	$5,293,195
25	290	$486,388	$9,484	$476,904	$4,816,291
25	291	$486,388	$8,629	$477,759	$4,338,532
25	292	$486,388	$7,773	$478,615	$3,859,917
25	293	$486,388	$6,916	$479,472	$3,380,445
25	294	$486,388	$6,057	$480,331	$2,900,114
25	295	$486,388	$5,196	$481,192	$2,418,922
25	296	$486,388	$4,334	$482,054	$1,936,868
25	297	$486,388	$3,470	$482,918	$1,453,950
25	298	$486,388	$2,605	$483,783	$970,168
25	299	$486,388	$1,738	$484,650	$485,518
25	300	$486,388	$870	$485,518	$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$ 75,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 77,080,000

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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.