Century 21 Centaland Property

Down Payment (HKD)

$16,680,000

Monthly Repayment (HKD)

$107,885

Loan Amount (HKD)

$25,020,000

Total Interest (HKD)

$7,345,490

Total Repayment (HKD)

$32,365,490

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$107,885	$44,828	$63,057	$24,956,943
1	2	$107,885	$44,715	$63,170	$24,893,772
1	3	$107,885	$44,601	$63,284	$24,830,488
1	4	$107,885	$44,488	$63,397	$24,767,091
1	5	$107,885	$44,374	$63,511	$24,703,581
1	6	$107,885	$44,261	$63,624	$24,639,956
1	7	$107,885	$44,147	$63,738	$24,576,218
1	8	$107,885	$44,032	$63,853	$24,512,366
1	9	$107,885	$43,918	$63,967	$24,448,399
1	10	$107,885	$43,803	$64,082	$24,384,317
1	11	$107,885	$43,689	$64,196	$24,320,121
1	12	$107,885	$43,574	$64,311	$24,255,809
2	13	$107,885	$43,458	$64,427	$24,191,383
2	14	$107,885	$43,343	$64,542	$24,126,840
2	15	$107,885	$43,227	$64,658	$24,062,183
2	16	$107,885	$43,111	$64,774	$23,997,409
2	17	$107,885	$42,995	$64,890	$23,932,520
2	18	$107,885	$42,879	$65,006	$23,867,514
2	19	$107,885	$42,763	$65,122	$23,802,391
2	20	$107,885	$42,646	$65,239	$23,737,152
2	21	$107,885	$42,529	$65,356	$23,671,796
2	22	$107,885	$42,412	$65,473	$23,606,323
2	23	$107,885	$42,295	$65,590	$23,540,733
2	24	$107,885	$42,177	$65,708	$23,475,025
3	25	$107,885	$42,059	$65,826	$23,409,200
3	26	$107,885	$41,941	$65,943	$23,343,256
3	27	$107,885	$41,823	$66,062	$23,277,195
3	28	$107,885	$41,705	$66,180	$23,211,015
3	29	$107,885	$41,586	$66,299	$23,144,716
3	30	$107,885	$41,468	$66,417	$23,078,299
3	31	$107,885	$41,349	$66,536	$23,011,762
3	32	$107,885	$41,229	$66,656	$22,945,107
3	33	$107,885	$41,110	$66,775	$22,878,332
3	34	$107,885	$40,990	$66,895	$22,811,437
3	35	$107,885	$40,870	$67,014	$22,744,423
3	36	$107,885	$40,750	$67,135	$22,677,288
4	37	$107,885	$40,630	$67,255	$22,610,033
4	38	$107,885	$40,510	$67,375	$22,542,658
4	39	$107,885	$40,389	$67,496	$22,475,162
4	40	$107,885	$40,268	$67,617	$22,407,545
4	41	$107,885	$40,147	$67,738	$22,339,807
4	42	$107,885	$40,025	$67,859	$22,271,948
4	43	$107,885	$39,904	$67,981	$22,203,966
4	44	$107,885	$39,782	$68,103	$22,135,864
4	45	$107,885	$39,660	$68,225	$22,067,639
4	46	$107,885	$39,538	$68,347	$21,999,292
4	47	$107,885	$39,415	$68,470	$21,930,822
4	48	$107,885	$39,293	$68,592	$21,862,230
5	49	$107,885	$39,170	$68,715	$21,793,515
5	50	$107,885	$39,047	$68,838	$21,724,676
5	51	$107,885	$38,923	$68,962	$21,655,715
5	52	$107,885	$38,800	$69,085	$21,586,630
5	53	$107,885	$38,676	$69,209	$21,517,421
5	54	$107,885	$38,552	$69,333	$21,448,088
5	55	$107,885	$38,428	$69,457	$21,378,631
5	56	$107,885	$38,303	$69,582	$21,309,049
5	57	$107,885	$38,179	$69,706	$21,239,343
5	58	$107,885	$38,054	$69,831	$21,169,512
5	59	$107,885	$37,929	$69,956	$21,099,555
5	60	$107,885	$37,803	$70,082	$21,029,474
6	61	$107,885	$37,678	$70,207	$20,959,267
6	62	$107,885	$37,552	$70,333	$20,888,934
6	63	$107,885	$37,426	$70,459	$20,818,475
6	64	$107,885	$37,300	$70,585	$20,747,890
6	65	$107,885	$37,173	$70,712	$20,677,178
6	66	$107,885	$37,047	$70,838	$20,606,340
6	67	$107,885	$36,920	$70,965	$20,535,374
6	68	$107,885	$36,793	$71,092	$20,464,282
6	69	$107,885	$36,665	$71,220	$20,393,062
6	70	$107,885	$36,538	$71,347	$20,321,715
6	71	$107,885	$36,410	$71,475	$20,250,239
6	72	$107,885	$36,282	$71,603	$20,178,636
7	73	$107,885	$36,153	$71,732	$20,106,905
7	74	$107,885	$36,025	$71,860	$20,035,045
7	75	$107,885	$35,896	$71,989	$19,963,056
7	76	$107,885	$35,767	$72,118	$19,890,938
7	77	$107,885	$35,638	$72,247	$19,818,691
7	78	$107,885	$35,508	$72,376	$19,746,314
7	79	$107,885	$35,379	$72,506	$19,673,808
7	80	$107,885	$35,249	$72,636	$19,601,172
7	81	$107,885	$35,119	$72,766	$19,528,406
7	82	$107,885	$34,988	$72,897	$19,455,509
7	83	$107,885	$34,858	$73,027	$19,382,482
7	84	$107,885	$34,727	$73,158	$19,309,324
8	85	$107,885	$34,596	$73,289	$19,236,035
8	86	$107,885	$34,465	$73,420	$19,162,615
8	87	$107,885	$34,333	$73,552	$19,089,063
8	88	$107,885	$34,201	$73,684	$19,015,379
8	89	$107,885	$34,069	$73,816	$18,941,563
8	90	$107,885	$33,937	$73,948	$18,867,615
8	91	$107,885	$33,804	$74,080	$18,793,535
8	92	$107,885	$33,672	$74,213	$18,719,322
8	93	$107,885	$33,539	$74,346	$18,644,975
8	94	$107,885	$33,406	$74,479	$18,570,496
8	95	$107,885	$33,272	$74,613	$18,495,883
8	96	$107,885	$33,138	$74,747	$18,421,137
9	97	$107,885	$33,005	$74,880	$18,346,256
9	98	$107,885	$32,870	$75,015	$18,271,242
9	99	$107,885	$32,736	$75,149	$18,196,093
9	100	$107,885	$32,601	$75,284	$18,120,809
9	101	$107,885	$32,466	$75,419	$18,045,390
9	102	$107,885	$32,331	$75,554	$17,969,837
9	103	$107,885	$32,196	$75,689	$17,894,148
9	104	$107,885	$32,060	$75,825	$17,818,323
9	105	$107,885	$31,924	$75,960	$17,742,363
9	106	$107,885	$31,788	$76,097	$17,666,266
9	107	$107,885	$31,652	$76,233	$17,590,033
9	108	$107,885	$31,515	$76,369	$17,513,664
10	109	$107,885	$31,379	$76,506	$17,437,157
10	110	$107,885	$31,242	$76,643	$17,360,514
10	111	$107,885	$31,104	$76,781	$17,283,733
10	112	$107,885	$30,967	$76,918	$17,206,815
10	113	$107,885	$30,829	$77,056	$17,129,759
10	114	$107,885	$30,691	$77,194	$17,052,565
10	115	$107,885	$30,553	$77,332	$16,975,232
10	116	$107,885	$30,414	$77,471	$16,897,761
10	117	$107,885	$30,275	$77,610	$16,820,152
10	118	$107,885	$30,136	$77,749	$16,742,403
10	119	$107,885	$29,997	$77,888	$16,664,515
10	120	$107,885	$29,857	$78,028	$16,586,487
11	121	$107,885	$29,717	$78,168	$16,508,319
11	122	$107,885	$29,577	$78,308	$16,430,012
11	123	$107,885	$29,437	$78,448	$16,351,564
11	124	$107,885	$29,297	$78,588	$16,272,975
11	125	$107,885	$29,156	$78,729	$16,194,246
11	126	$107,885	$29,015	$78,870	$16,115,376
11	127	$107,885	$28,873	$79,012	$16,036,364
11	128	$107,885	$28,732	$79,153	$15,957,211
11	129	$107,885	$28,590	$79,295	$15,877,916
11	130	$107,885	$28,448	$79,437	$15,798,479
11	131	$107,885	$28,306	$79,579	$15,718,900
11	132	$107,885	$28,163	$79,722	$15,639,178
12	133	$107,885	$28,020	$79,865	$15,559,313
12	134	$107,885	$27,877	$80,008	$15,479,305
12	135	$107,885	$27,734	$80,151	$15,399,154
12	136	$107,885	$27,590	$80,295	$15,318,859
12	137	$107,885	$27,446	$80,439	$15,238,421
12	138	$107,885	$27,302	$80,583	$15,157,838
12	139	$107,885	$27,158	$80,727	$15,077,111
12	140	$107,885	$27,013	$80,872	$14,996,239
12	141	$107,885	$26,868	$81,017	$14,915,222
12	142	$107,885	$26,723	$81,162	$14,834,060
12	143	$107,885	$26,578	$81,307	$14,752,753
12	144	$107,885	$26,432	$81,453	$14,671,300
13	145	$107,885	$26,286	$81,599	$14,589,701
13	146	$107,885	$26,140	$81,745	$14,507,956
13	147	$107,885	$25,993	$81,892	$14,426,065
13	148	$107,885	$25,847	$82,038	$14,344,026
13	149	$107,885	$25,700	$82,185	$14,261,841
13	150	$107,885	$25,552	$82,333	$14,179,509
13	151	$107,885	$25,405	$82,480	$14,097,029
13	152	$107,885	$25,257	$82,628	$14,014,401
13	153	$107,885	$25,109	$82,776	$13,931,625
13	154	$107,885	$24,961	$82,924	$13,848,701
13	155	$107,885	$24,812	$83,073	$13,765,628
13	156	$107,885	$24,663	$83,222	$13,682,407
14	157	$107,885	$24,514	$83,371	$13,599,036
14	158	$107,885	$24,365	$83,520	$13,515,516
14	159	$107,885	$24,215	$83,670	$13,431,846
14	160	$107,885	$24,065	$83,820	$13,348,027
14	161	$107,885	$23,915	$83,970	$13,264,057
14	162	$107,885	$23,765	$84,120	$13,179,937
14	163	$107,885	$23,614	$84,271	$13,095,666
14	164	$107,885	$23,463	$84,422	$13,011,244
14	165	$107,885	$23,312	$84,573	$12,926,671
14	166	$107,885	$23,160	$84,725	$12,841,946
14	167	$107,885	$23,008	$84,876	$12,757,070
14	168	$107,885	$22,856	$85,029	$12,672,041
15	169	$107,885	$22,704	$85,181	$12,586,860
15	170	$107,885	$22,551	$85,334	$12,501,527
15	171	$107,885	$22,399	$85,486	$12,416,040
15	172	$107,885	$22,245	$85,640	$12,330,401
15	173	$107,885	$22,092	$85,793	$12,244,608
15	174	$107,885	$21,938	$85,947	$12,158,661
15	175	$107,885	$21,784	$86,101	$12,072,560
15	176	$107,885	$21,630	$86,255	$11,986,305
15	177	$107,885	$21,475	$86,410	$11,899,896
15	178	$107,885	$21,321	$86,564	$11,813,331
15	179	$107,885	$21,166	$86,719	$11,726,612
15	180	$107,885	$21,010	$86,875	$11,639,737
16	181	$107,885	$20,855	$87,030	$11,552,707
16	182	$107,885	$20,699	$87,186	$11,465,520
16	183	$107,885	$20,542	$87,343	$11,378,178
16	184	$107,885	$20,386	$87,499	$11,290,679
16	185	$107,885	$20,229	$87,656	$11,203,023
16	186	$107,885	$20,072	$87,813	$11,115,210
16	187	$107,885	$19,915	$87,970	$11,027,240
16	188	$107,885	$19,757	$88,128	$10,939,112
16	189	$107,885	$19,599	$88,286	$10,850,826
16	190	$107,885	$19,441	$88,444	$10,762,382
16	191	$107,885	$19,283	$88,602	$10,673,780
16	192	$107,885	$19,124	$88,761	$10,585,019
17	193	$107,885	$18,965	$88,920	$10,496,099
17	194	$107,885	$18,806	$89,079	$10,407,019
17	195	$107,885	$18,646	$89,239	$10,317,780
17	196	$107,885	$18,486	$89,399	$10,228,381
17	197	$107,885	$18,326	$89,559	$10,138,822
17	198	$107,885	$18,165	$89,720	$10,049,103
17	199	$107,885	$18,005	$89,880	$9,959,222
17	200	$107,885	$17,844	$90,041	$9,869,181
17	201	$107,885	$17,682	$90,203	$9,778,978
17	202	$107,885	$17,521	$90,364	$9,688,614
17	203	$107,885	$17,359	$90,526	$9,598,088
17	204	$107,885	$17,197	$90,688	$9,507,399
18	205	$107,885	$17,034	$90,851	$9,416,549
18	206	$107,885	$16,871	$91,014	$9,325,535
18	207	$107,885	$16,708	$91,177	$9,234,358
18	208	$107,885	$16,545	$91,340	$9,143,018
18	209	$107,885	$16,381	$91,504	$9,051,514
18	210	$107,885	$16,217	$91,668	$8,959,847
18	211	$107,885	$16,053	$91,832	$8,868,015
18	212	$107,885	$15,889	$91,996	$8,776,018
18	213	$107,885	$15,724	$92,161	$8,683,857
18	214	$107,885	$15,559	$92,326	$8,591,531
18	215	$107,885	$15,393	$92,492	$8,499,039
18	216	$107,885	$15,227	$92,658	$8,406,381
19	217	$107,885	$15,061	$92,824	$8,313,558
19	218	$107,885	$14,895	$92,990	$8,220,568
19	219	$107,885	$14,729	$93,156	$8,127,412
19	220	$107,885	$14,562	$93,323	$8,034,088
19	221	$107,885	$14,394	$93,491	$7,940,598
19	222	$107,885	$14,227	$93,658	$7,846,940
19	223	$107,885	$14,059	$93,826	$7,753,114
19	224	$107,885	$13,891	$93,994	$7,659,120
19	225	$107,885	$13,723	$94,162	$7,564,957
19	226	$107,885	$13,554	$94,331	$7,470,626
19	227	$107,885	$13,385	$94,500	$7,376,126
19	228	$107,885	$13,216	$94,669	$7,281,457
20	229	$107,885	$13,046	$94,839	$7,186,618
20	230	$107,885	$12,876	$95,009	$7,091,609
20	231	$107,885	$12,706	$95,179	$6,996,430
20	232	$107,885	$12,535	$95,350	$6,901,080
20	233	$107,885	$12,364	$95,521	$6,805,559
20	234	$107,885	$12,193	$95,692	$6,709,868
20	235	$107,885	$12,022	$95,863	$6,614,005
20	236	$107,885	$11,850	$96,035	$6,517,970
20	237	$107,885	$11,678	$96,207	$6,421,763
20	238	$107,885	$11,506	$96,379	$6,325,384
20	239	$107,885	$11,333	$96,552	$6,228,832
20	240	$107,885	$11,160	$96,725	$6,132,107
21	241	$107,885	$10,987	$96,898	$6,035,208
21	242	$107,885	$10,813	$97,072	$5,938,136
21	243	$107,885	$10,639	$97,246	$5,840,891
21	244	$107,885	$10,465	$97,420	$5,743,471
21	245	$107,885	$10,290	$97,595	$5,645,876
21	246	$107,885	$10,116	$97,769	$5,548,107
21	247	$107,885	$9,940	$97,945	$5,450,162
21	248	$107,885	$9,765	$98,120	$5,352,042
21	249	$107,885	$9,589	$98,296	$5,253,746
21	250	$107,885	$9,413	$98,472	$5,155,274
21	251	$107,885	$9,237	$98,648	$5,056,626
21	252	$107,885	$9,060	$98,825	$4,957,800
22	253	$107,885	$8,883	$99,002	$4,858,798
22	254	$107,885	$8,705	$99,180	$4,759,618
22	255	$107,885	$8,528	$99,357	$4,660,261
22	256	$107,885	$8,350	$99,535	$4,560,726
22	257	$107,885	$8,171	$99,714	$4,461,012
22	258	$107,885	$7,993	$99,892	$4,361,120
22	259	$107,885	$7,814	$100,071	$4,261,049
22	260	$107,885	$7,634	$100,251	$4,160,798
22	261	$107,885	$7,455	$100,430	$4,060,368
22	262	$107,885	$7,275	$100,610	$3,959,758
22	263	$107,885	$7,095	$100,790	$3,858,967
22	264	$107,885	$6,914	$100,971	$3,757,996
23	265	$107,885	$6,733	$101,152	$3,656,844
23	266	$107,885	$6,552	$101,333	$3,555,511
23	267	$107,885	$6,370	$101,515	$3,453,997
23	268	$107,885	$6,188	$101,697	$3,352,300
23	269	$107,885	$6,006	$101,879	$3,250,421
23	270	$107,885	$5,824	$102,061	$3,148,360
23	271	$107,885	$5,641	$102,244	$3,046,116
23	272	$107,885	$5,458	$102,427	$2,943,688
23	273	$107,885	$5,274	$102,611	$2,841,078
23	274	$107,885	$5,090	$102,795	$2,738,283
23	275	$107,885	$4,906	$102,979	$2,635,304
23	276	$107,885	$4,722	$103,163	$2,532,141
24	277	$107,885	$4,537	$103,348	$2,428,792
24	278	$107,885	$4,352	$103,533	$2,325,259
24	279	$107,885	$4,166	$103,719	$2,221,540
24	280	$107,885	$3,980	$103,905	$2,117,635
24	281	$107,885	$3,794	$104,091	$2,013,545
24	282	$107,885	$3,608	$104,277	$1,909,267
24	283	$107,885	$3,421	$104,464	$1,804,803
24	284	$107,885	$3,234	$104,651	$1,700,152
24	285	$107,885	$3,046	$104,839	$1,595,313
24	286	$107,885	$2,858	$105,027	$1,490,286
24	287	$107,885	$2,670	$105,215	$1,385,071
24	288	$107,885	$2,482	$105,403	$1,279,668
25	289	$107,885	$2,293	$105,592	$1,174,076
25	290	$107,885	$2,104	$105,781	$1,068,294
25	291	$107,885	$1,914	$105,971	$962,323
25	292	$107,885	$1,724	$106,161	$856,162
25	293	$107,885	$1,534	$106,351	$749,811
25	294	$107,885	$1,343	$106,542	$643,270
25	295	$107,885	$1,153	$106,732	$536,537
25	296	$107,885	$961	$106,924	$429,614
25	297	$107,885	$770	$107,115	$322,499
25	298	$107,885	$578	$107,307	$215,191
25	299	$107,885	$386	$107,499	$107,692
25	300	$107,885	$193	$107,692	$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$ 16,680,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,097,000

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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.