Century 21 Centaland Property

Down Payment (HKD)

$9,520,000

Monthly Repayment (HKD)

$61,575

Loan Amount (HKD)

$14,280,000

Total Interest (HKD)

$4,192,390

Total Repayment (HKD)

$18,472,390

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$61,575	$25,585	$35,990	$14,244,010
1	2	$61,575	$25,521	$36,054	$14,207,956
1	3	$61,575	$25,456	$36,119	$14,171,838
1	4	$61,575	$25,391	$36,183	$14,135,654
1	5	$61,575	$25,326	$36,248	$14,099,406
1	6	$61,575	$25,261	$36,313	$14,063,093
1	7	$61,575	$25,196	$36,378	$14,026,714
1	8	$61,575	$25,131	$36,443	$13,990,271
1	9	$61,575	$25,066	$36,509	$13,953,762
1	10	$61,575	$25,000	$36,574	$13,917,188
1	11	$61,575	$24,935	$36,640	$13,880,548
1	12	$61,575	$24,869	$36,705	$13,843,843
2	13	$61,575	$24,804	$36,771	$13,807,072
2	14	$61,575	$24,738	$36,837	$13,770,235
2	15	$61,575	$24,672	$36,903	$13,733,332
2	16	$61,575	$24,606	$36,969	$13,696,363
2	17	$61,575	$24,539	$37,035	$13,659,328
2	18	$61,575	$24,473	$37,102	$13,622,226
2	19	$61,575	$24,406	$37,168	$13,585,058
2	20	$61,575	$24,340	$37,235	$13,547,823
2	21	$61,575	$24,273	$37,301	$13,510,522
2	22	$61,575	$24,206	$37,368	$13,473,153
2	23	$61,575	$24,139	$37,435	$13,435,718
2	24	$61,575	$24,072	$37,502	$13,398,216
3	25	$61,575	$24,005	$37,569	$13,360,646
3	26	$61,575	$23,938	$37,637	$13,323,010
3	27	$61,575	$23,870	$37,704	$13,285,305
3	28	$61,575	$23,803	$37,772	$13,247,534
3	29	$61,575	$23,735	$37,839	$13,209,694
3	30	$61,575	$23,667	$37,907	$13,171,787
3	31	$61,575	$23,599	$37,975	$13,133,812
3	32	$61,575	$23,531	$38,043	$13,095,768
3	33	$61,575	$23,463	$38,111	$13,057,657
3	34	$61,575	$23,395	$38,180	$13,019,477
3	35	$61,575	$23,327	$38,248	$12,981,229
3	36	$61,575	$23,258	$38,317	$12,942,913
4	37	$61,575	$23,189	$38,385	$12,904,527
4	38	$61,575	$23,121	$38,454	$12,866,073
4	39	$61,575	$23,052	$38,523	$12,827,551
4	40	$61,575	$22,983	$38,592	$12,788,959
4	41	$61,575	$22,914	$38,661	$12,750,298
4	42	$61,575	$22,844	$38,730	$12,711,567
4	43	$61,575	$22,775	$38,800	$12,672,767
4	44	$61,575	$22,705	$38,869	$12,633,898
4	45	$61,575	$22,636	$38,939	$12,594,959
4	46	$61,575	$22,566	$39,009	$12,555,951
4	47	$61,575	$22,496	$39,079	$12,516,872
4	48	$61,575	$22,426	$39,149	$12,477,723
5	49	$61,575	$22,356	$39,219	$12,438,505
5	50	$61,575	$22,286	$39,289	$12,399,216
5	51	$61,575	$22,215	$39,359	$12,359,856
5	52	$61,575	$22,145	$39,430	$12,320,427
5	53	$61,575	$22,074	$39,501	$12,280,926
5	54	$61,575	$22,003	$39,571	$12,241,355
5	55	$61,575	$21,932	$39,642	$12,201,712
5	56	$61,575	$21,861	$39,713	$12,161,999
5	57	$61,575	$21,790	$39,784	$12,122,215
5	58	$61,575	$21,719	$39,856	$12,082,359
5	59	$61,575	$21,648	$39,927	$12,042,432
5	60	$61,575	$21,576	$39,999	$12,002,434
6	61	$61,575	$21,504	$40,070	$11,962,363
6	62	$61,575	$21,433	$40,142	$11,922,221
6	63	$61,575	$21,361	$40,214	$11,882,007
6	64	$61,575	$21,289	$40,286	$11,841,721
6	65	$61,575	$21,216	$40,358	$11,801,363
6	66	$61,575	$21,144	$40,431	$11,760,932
6	67	$61,575	$21,072	$40,503	$11,720,429
6	68	$61,575	$20,999	$40,576	$11,679,854
6	69	$61,575	$20,926	$40,648	$11,639,206
6	70	$61,575	$20,854	$40,721	$11,598,485
6	71	$61,575	$20,781	$40,794	$11,557,691
6	72	$61,575	$20,708	$40,867	$11,516,824
7	73	$61,575	$20,634	$40,940	$11,475,883
7	74	$61,575	$20,561	$41,014	$11,434,870
7	75	$61,575	$20,487	$41,087	$11,393,782
7	76	$61,575	$20,414	$41,161	$11,352,622
7	77	$61,575	$20,340	$41,235	$11,311,387
7	78	$61,575	$20,266	$41,308	$11,270,079
7	79	$61,575	$20,192	$41,382	$11,228,696
7	80	$61,575	$20,118	$41,457	$11,187,240
7	81	$61,575	$20,044	$41,531	$11,145,709
7	82	$61,575	$19,969	$41,605	$11,104,104
7	83	$61,575	$19,895	$41,680	$11,062,424
7	84	$61,575	$19,820	$41,754	$11,020,669
8	85	$61,575	$19,745	$41,829	$10,978,840
8	86	$61,575	$19,670	$41,904	$10,936,936
8	87	$61,575	$19,595	$41,979	$10,894,957
8	88	$61,575	$19,520	$42,055	$10,852,902
8	89	$61,575	$19,445	$42,130	$10,810,772
8	90	$61,575	$19,369	$42,205	$10,768,567
8	91	$61,575	$19,294	$42,281	$10,726,286
8	92	$61,575	$19,218	$42,357	$10,683,929
8	93	$61,575	$19,142	$42,433	$10,641,497
8	94	$61,575	$19,066	$42,509	$10,598,988
8	95	$61,575	$18,990	$42,585	$10,556,403
8	96	$61,575	$18,914	$42,661	$10,513,742
9	97	$61,575	$18,837	$42,738	$10,471,005
9	98	$61,575	$18,761	$42,814	$10,428,191
9	99	$61,575	$18,684	$42,891	$10,385,300
9	100	$61,575	$18,607	$42,968	$10,342,332
9	101	$61,575	$18,530	$43,045	$10,299,288
9	102	$61,575	$18,453	$43,122	$10,256,166
9	103	$61,575	$18,376	$43,199	$10,212,967
9	104	$61,575	$18,298	$43,276	$10,169,690
9	105	$61,575	$18,221	$43,354	$10,126,337
9	106	$61,575	$18,143	$43,432	$10,082,905
9	107	$61,575	$18,065	$43,509	$10,039,395
9	108	$61,575	$17,987	$43,587	$9,995,808
10	109	$61,575	$17,909	$43,665	$9,952,143
10	110	$61,575	$17,831	$43,744	$9,908,399
10	111	$61,575	$17,753	$43,822	$9,864,577
10	112	$61,575	$17,674	$43,901	$9,820,676
10	113	$61,575	$17,595	$43,979	$9,776,697
10	114	$61,575	$17,517	$44,058	$9,732,639
10	115	$61,575	$17,438	$44,137	$9,688,502
10	116	$61,575	$17,359	$44,216	$9,644,286
10	117	$61,575	$17,279	$44,295	$9,599,991
10	118	$61,575	$17,200	$44,375	$9,555,616
10	119	$61,575	$17,120	$44,454	$9,511,162
10	120	$61,575	$17,041	$44,534	$9,466,628
11	121	$61,575	$16,961	$44,614	$9,422,014
11	122	$61,575	$16,881	$44,694	$9,377,321
11	123	$61,575	$16,801	$44,774	$9,332,547
11	124	$61,575	$16,721	$44,854	$9,287,693
11	125	$61,575	$16,640	$44,934	$9,242,759
11	126	$61,575	$16,560	$45,015	$9,197,745
11	127	$61,575	$16,479	$45,095	$9,152,649
11	128	$61,575	$16,398	$45,176	$9,107,473
11	129	$61,575	$16,318	$45,257	$9,062,216
11	130	$61,575	$16,236	$45,338	$9,016,878
11	131	$61,575	$16,155	$45,419	$8,971,458
11	132	$61,575	$16,074	$45,501	$8,925,958
12	133	$61,575	$15,992	$45,582	$8,880,375
12	134	$61,575	$15,911	$45,664	$8,834,711
12	135	$61,575	$15,829	$45,746	$8,788,966
12	136	$61,575	$15,747	$45,828	$8,743,138
12	137	$61,575	$15,665	$45,910	$8,697,228
12	138	$61,575	$15,583	$45,992	$8,651,236
12	139	$61,575	$15,500	$46,075	$8,605,161
12	140	$61,575	$15,418	$46,157	$8,559,004
12	141	$61,575	$15,335	$46,240	$8,512,765
12	142	$61,575	$15,252	$46,323	$8,466,442
12	143	$61,575	$15,169	$46,406	$8,420,037
12	144	$61,575	$15,086	$46,489	$8,373,548
13	145	$61,575	$15,003	$46,572	$8,326,976
13	146	$61,575	$14,919	$46,655	$8,280,320
13	147	$61,575	$14,836	$46,739	$8,233,581
13	148	$61,575	$14,752	$46,823	$8,186,758
13	149	$61,575	$14,668	$46,907	$8,139,852
13	150	$61,575	$14,584	$46,991	$8,092,861
13	151	$61,575	$14,500	$47,075	$8,045,786
13	152	$61,575	$14,415	$47,159	$7,998,627
13	153	$61,575	$14,331	$47,244	$7,951,383
13	154	$61,575	$14,246	$47,328	$7,904,055
13	155	$61,575	$14,161	$47,413	$7,856,641
13	156	$61,575	$14,076	$47,498	$7,809,143
14	157	$61,575	$13,991	$47,583	$7,761,560
14	158	$61,575	$13,906	$47,669	$7,713,892
14	159	$61,575	$13,821	$47,754	$7,666,138
14	160	$61,575	$13,735	$47,839	$7,618,298
14	161	$61,575	$13,649	$47,925	$7,570,373
14	162	$61,575	$13,564	$48,011	$7,522,362
14	163	$61,575	$13,478	$48,097	$7,474,265
14	164	$61,575	$13,391	$48,183	$7,426,082
14	165	$61,575	$13,305	$48,270	$7,377,812
14	166	$61,575	$13,219	$48,356	$7,329,456
14	167	$61,575	$13,132	$48,443	$7,281,013
14	168	$61,575	$13,045	$48,529	$7,232,484
15	169	$61,575	$12,958	$48,616	$7,183,867
15	170	$61,575	$12,871	$48,704	$7,135,164
15	171	$61,575	$12,784	$48,791	$7,086,373
15	172	$61,575	$12,696	$48,878	$7,037,495
15	173	$61,575	$12,609	$48,966	$6,988,529
15	174	$61,575	$12,521	$49,054	$6,939,476
15	175	$61,575	$12,433	$49,141	$6,890,334
15	176	$61,575	$12,345	$49,229	$6,841,105
15	177	$61,575	$12,257	$49,318	$6,791,787
15	178	$61,575	$12,169	$49,406	$6,742,381
15	179	$61,575	$12,080	$49,495	$6,692,886
15	180	$61,575	$11,991	$49,583	$6,643,303
16	181	$61,575	$11,903	$49,672	$6,593,631
16	182	$61,575	$11,814	$49,761	$6,543,870
16	183	$61,575	$11,724	$49,850	$6,494,020
16	184	$61,575	$11,635	$49,940	$6,444,080
16	185	$61,575	$11,546	$50,029	$6,394,051
16	186	$61,575	$11,456	$50,119	$6,343,933
16	187	$61,575	$11,366	$50,208	$6,293,724
16	188	$61,575	$11,276	$50,298	$6,243,426
16	189	$61,575	$11,186	$50,388	$6,193,038
16	190	$61,575	$11,096	$50,479	$6,142,559
16	191	$61,575	$11,005	$50,569	$6,091,990
16	192	$61,575	$10,915	$50,660	$6,041,330
17	193	$61,575	$10,824	$50,751	$5,990,579
17	194	$61,575	$10,733	$50,842	$5,939,738
17	195	$61,575	$10,642	$50,933	$5,888,805
17	196	$61,575	$10,551	$51,024	$5,837,781
17	197	$61,575	$10,459	$51,115	$5,786,666
17	198	$61,575	$10,368	$51,207	$5,735,459
17	199	$61,575	$10,276	$51,299	$5,684,160
17	200	$61,575	$10,184	$51,391	$5,632,770
17	201	$61,575	$10,092	$51,483	$5,581,287
17	202	$61,575	$10,000	$51,575	$5,529,713
17	203	$61,575	$9,907	$51,667	$5,478,045
17	204	$61,575	$9,815	$51,760	$5,426,286
18	205	$61,575	$9,722	$51,853	$5,374,433
18	206	$61,575	$9,629	$51,945	$5,322,488
18	207	$61,575	$9,536	$52,039	$5,270,449
18	208	$61,575	$9,443	$52,132	$5,218,317
18	209	$61,575	$9,349	$52,225	$5,166,092
18	210	$61,575	$9,256	$52,319	$5,113,773
18	211	$61,575	$9,162	$52,412	$5,061,361
18	212	$61,575	$9,068	$52,506	$5,008,855
18	213	$61,575	$8,974	$52,600	$4,956,254
18	214	$61,575	$8,880	$52,695	$4,903,559
18	215	$61,575	$8,786	$52,789	$4,850,770
18	216	$61,575	$8,691	$52,884	$4,797,887
19	217	$61,575	$8,596	$52,978	$4,744,908
19	218	$61,575	$8,501	$53,073	$4,691,835
19	219	$61,575	$8,406	$53,168	$4,638,667
19	220	$61,575	$8,311	$53,264	$4,585,403
19	221	$61,575	$8,216	$53,359	$4,532,044
19	222	$61,575	$8,120	$53,455	$4,478,589
19	223	$61,575	$8,024	$53,550	$4,425,039
19	224	$61,575	$7,928	$53,646	$4,371,392
19	225	$61,575	$7,832	$53,743	$4,317,650
19	226	$61,575	$7,736	$53,839	$4,263,811
19	227	$61,575	$7,639	$53,935	$4,209,875
19	228	$61,575	$7,543	$54,032	$4,155,843
20	229	$61,575	$7,446	$54,129	$4,101,715
20	230	$61,575	$7,349	$54,226	$4,047,489
20	231	$61,575	$7,252	$54,323	$3,993,166
20	232	$61,575	$7,154	$54,420	$3,938,746
20	233	$61,575	$7,057	$54,518	$3,884,228
20	234	$61,575	$6,959	$54,615	$3,829,613
20	235	$61,575	$6,861	$54,713	$3,774,900
20	236	$61,575	$6,763	$54,811	$3,720,088
20	237	$61,575	$6,665	$54,909	$3,665,179
20	238	$61,575	$6,567	$55,008	$3,610,171
20	239	$61,575	$6,468	$55,106	$3,555,065
20	240	$61,575	$6,369	$55,205	$3,499,859
21	241	$61,575	$6,271	$55,304	$3,444,555
21	242	$61,575	$6,171	$55,403	$3,389,152
21	243	$61,575	$6,072	$55,502	$3,333,650
21	244	$61,575	$5,973	$55,602	$3,278,048
21	245	$61,575	$5,873	$55,701	$3,222,346
21	246	$61,575	$5,773	$55,801	$3,166,545
21	247	$61,575	$5,673	$55,901	$3,110,644
21	248	$61,575	$5,573	$56,001	$3,054,643
21	249	$61,575	$5,473	$56,102	$2,998,541
21	250	$61,575	$5,372	$56,202	$2,942,339
21	251	$61,575	$5,272	$56,303	$2,886,036
21	252	$61,575	$5,171	$56,404	$2,829,632
22	253	$61,575	$5,070	$56,505	$2,773,127
22	254	$61,575	$4,969	$56,606	$2,716,521
22	255	$61,575	$4,867	$56,708	$2,659,813
22	256	$61,575	$4,765	$56,809	$2,603,004
22	257	$61,575	$4,664	$56,911	$2,546,093
22	258	$61,575	$4,562	$57,013	$2,489,080
22	259	$61,575	$4,460	$57,115	$2,431,965
22	260	$61,575	$4,357	$57,217	$2,374,748
22	261	$61,575	$4,255	$57,320	$2,317,428
22	262	$61,575	$4,152	$57,423	$2,260,006
22	263	$61,575	$4,049	$57,525	$2,202,480
22	264	$61,575	$3,946	$57,629	$2,144,852
23	265	$61,575	$3,843	$57,732	$2,087,120
23	266	$61,575	$3,739	$57,835	$2,029,285
23	267	$61,575	$3,636	$57,939	$1,971,346
23	268	$61,575	$3,532	$58,043	$1,913,303
23	269	$61,575	$3,428	$58,147	$1,855,156
23	270	$61,575	$3,324	$58,251	$1,796,906
23	271	$61,575	$3,219	$58,355	$1,738,551
23	272	$61,575	$3,115	$58,460	$1,680,091
23	273	$61,575	$3,010	$58,564	$1,621,526
23	274	$61,575	$2,905	$58,669	$1,562,857
23	275	$61,575	$2,800	$58,775	$1,504,082
23	276	$61,575	$2,695	$58,880	$1,445,203
24	277	$61,575	$2,589	$58,985	$1,386,217
24	278	$61,575	$2,484	$59,091	$1,327,126
24	279	$61,575	$2,378	$59,197	$1,267,929
24	280	$61,575	$2,272	$59,303	$1,208,626
24	281	$61,575	$2,165	$59,409	$1,149,217
24	282	$61,575	$2,059	$59,516	$1,089,702
24	283	$61,575	$1,952	$59,622	$1,030,079
24	284	$61,575	$1,846	$59,729	$970,350
24	285	$61,575	$1,739	$59,836	$910,514
24	286	$61,575	$1,631	$59,943	$850,571
24	287	$61,575	$1,524	$60,051	$790,520
24	288	$61,575	$1,416	$60,158	$730,362
25	289	$61,575	$1,309	$60,266	$670,096
25	290	$61,575	$1,201	$60,374	$609,722
25	291	$61,575	$1,092	$60,482	$549,240
25	292	$61,575	$984	$60,591	$488,649
25	293	$61,575	$875	$60,699	$427,950
25	294	$61,575	$767	$60,808	$367,142
25	295	$61,575	$658	$60,917	$306,225
25	296	$61,575	$549	$61,026	$245,199
25	297	$61,575	$439	$61,135	$184,064
25	298	$61,575	$330	$61,245	$122,819
25	299	$61,575	$220	$61,355	$61,465
25	300	$61,575	$110	$61,465	$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$ 9,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 9,758,000

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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.