Century 21 Centaland Property

Down Payment (HKD)

$15,000,000

Monthly Repayment (HKD)

$97,019

Loan Amount (HKD)

$22,500,000

Total Interest (HKD)

$6,605,656

Total Repayment (HKD)

$29,105,656

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$97,019	$40,313	$56,706	$22,443,294
1	2	$97,019	$40,211	$56,808	$22,386,486
1	3	$97,019	$40,109	$56,910	$22,329,576
1	4	$97,019	$40,007	$57,012	$22,272,564
1	5	$97,019	$39,905	$57,114	$22,215,450
1	6	$97,019	$39,803	$57,216	$22,158,234
1	7	$97,019	$39,700	$57,319	$22,100,916
1	8	$97,019	$39,597	$57,421	$22,043,494
1	9	$97,019	$39,495	$57,524	$21,985,970
1	10	$97,019	$39,392	$57,627	$21,928,343
1	11	$97,019	$39,288	$57,731	$21,870,612
1	12	$97,019	$39,185	$57,834	$21,812,778
2	13	$97,019	$39,081	$57,938	$21,754,840
2	14	$97,019	$38,977	$58,041	$21,696,799
2	15	$97,019	$38,873	$58,145	$21,638,654
2	16	$97,019	$38,769	$58,250	$21,580,404
2	17	$97,019	$38,665	$58,354	$21,522,050
2	18	$97,019	$38,560	$58,459	$21,463,591
2	19	$97,019	$38,456	$58,563	$21,405,028
2	20	$97,019	$38,351	$58,668	$21,346,360
2	21	$97,019	$38,246	$58,773	$21,287,587
2	22	$97,019	$38,140	$58,879	$21,228,708
2	23	$97,019	$38,035	$58,984	$21,169,724
2	24	$97,019	$37,929	$59,090	$21,110,634
3	25	$97,019	$37,823	$59,196	$21,051,439
3	26	$97,019	$37,717	$59,302	$20,992,137
3	27	$97,019	$37,611	$59,408	$20,932,729
3	28	$97,019	$37,504	$59,514	$20,873,215
3	29	$97,019	$37,398	$59,621	$20,813,594
3	30	$97,019	$37,291	$59,728	$20,753,866
3	31	$97,019	$37,184	$59,835	$20,694,031
3	32	$97,019	$37,077	$59,942	$20,634,089
3	33	$97,019	$36,969	$60,049	$20,574,039
3	34	$97,019	$36,862	$60,157	$20,513,882
3	35	$97,019	$36,754	$60,265	$20,453,618
3	36	$97,019	$36,646	$60,373	$20,393,245
4	37	$97,019	$36,538	$60,481	$20,332,764
4	38	$97,019	$36,430	$60,589	$20,272,175
4	39	$97,019	$36,321	$60,698	$20,211,477
4	40	$97,019	$36,212	$60,807	$20,150,670
4	41	$97,019	$36,103	$60,916	$20,089,754
4	42	$97,019	$35,994	$61,025	$20,028,730
4	43	$97,019	$35,885	$61,134	$19,967,596
4	44	$97,019	$35,775	$61,244	$19,906,352
4	45	$97,019	$35,666	$61,353	$19,844,999
4	46	$97,019	$35,556	$61,463	$19,783,536
4	47	$97,019	$35,446	$61,573	$19,721,962
4	48	$97,019	$35,335	$61,684	$19,660,279
5	49	$97,019	$35,225	$61,794	$19,598,484
5	50	$97,019	$35,114	$61,905	$19,536,579
5	51	$97,019	$35,003	$62,016	$19,474,564
5	52	$97,019	$34,892	$62,127	$19,412,437
5	53	$97,019	$34,781	$62,238	$19,350,199
5	54	$97,019	$34,669	$62,350	$19,287,849
5	55	$97,019	$34,557	$62,461	$19,225,387
5	56	$97,019	$34,445	$62,573	$19,162,814
5	57	$97,019	$34,333	$62,685	$19,100,128
5	58	$97,019	$34,221	$62,798	$19,037,331
5	59	$97,019	$34,109	$62,910	$18,974,420
5	60	$97,019	$33,996	$63,023	$18,911,397
6	61	$97,019	$33,883	$63,136	$18,848,261
6	62	$97,019	$33,770	$63,249	$18,785,012
6	63	$97,019	$33,656	$63,362	$18,721,650
6	64	$97,019	$33,543	$63,476	$18,658,174
6	65	$97,019	$33,429	$63,590	$18,594,584
6	66	$97,019	$33,315	$63,704	$18,530,881
6	67	$97,019	$33,201	$63,818	$18,467,063
6	68	$97,019	$33,087	$63,932	$18,403,131
6	69	$97,019	$32,972	$64,047	$18,339,085
6	70	$97,019	$32,858	$64,161	$18,274,923
6	71	$97,019	$32,743	$64,276	$18,210,647
6	72	$97,019	$32,627	$64,391	$18,146,256
7	73	$97,019	$32,512	$64,507	$18,081,749
7	74	$97,019	$32,396	$64,622	$18,017,126
7	75	$97,019	$32,281	$64,738	$17,952,388
7	76	$97,019	$32,165	$64,854	$17,887,534
7	77	$97,019	$32,048	$64,970	$17,822,564
7	78	$97,019	$31,932	$65,087	$17,757,477
7	79	$97,019	$31,815	$65,203	$17,692,274
7	80	$97,019	$31,699	$65,320	$17,626,953
7	81	$97,019	$31,582	$65,437	$17,561,516
7	82	$97,019	$31,464	$65,554	$17,495,962
7	83	$97,019	$31,347	$65,672	$17,430,290
7	84	$97,019	$31,229	$65,790	$17,364,500
8	85	$97,019	$31,111	$65,907	$17,298,593
8	86	$97,019	$30,993	$66,026	$17,232,567
8	87	$97,019	$30,875	$66,144	$17,166,423
8	88	$97,019	$30,757	$66,262	$17,100,161
8	89	$97,019	$30,638	$66,381	$17,033,780
8	90	$97,019	$30,519	$66,500	$16,967,280
8	91	$97,019	$30,400	$66,619	$16,900,661
8	92	$97,019	$30,280	$66,739	$16,833,922
8	93	$97,019	$30,161	$66,858	$16,767,064
8	94	$97,019	$30,041	$66,978	$16,700,086
8	95	$97,019	$29,921	$67,098	$16,632,988
8	96	$97,019	$29,801	$67,218	$16,565,770
9	97	$97,019	$29,680	$67,339	$16,498,432
9	98	$97,019	$29,560	$67,459	$16,430,973
9	99	$97,019	$29,439	$67,580	$16,363,393
9	100	$97,019	$29,318	$67,701	$16,295,692
9	101	$97,019	$29,196	$67,822	$16,227,869
9	102	$97,019	$29,075	$67,944	$16,159,925
9	103	$97,019	$28,953	$68,066	$16,091,860
9	104	$97,019	$28,831	$68,188	$16,023,672
9	105	$97,019	$28,709	$68,310	$15,955,362
9	106	$97,019	$28,587	$68,432	$15,886,930
9	107	$97,019	$28,464	$68,555	$15,818,375
9	108	$97,019	$28,341	$68,678	$15,749,698
10	109	$97,019	$28,218	$68,801	$15,680,897
10	110	$97,019	$28,095	$68,924	$15,611,973
10	111	$97,019	$27,971	$69,047	$15,542,926
10	112	$97,019	$27,848	$69,171	$15,473,755
10	113	$97,019	$27,724	$69,295	$15,404,460
10	114	$97,019	$27,600	$69,419	$15,335,040
10	115	$97,019	$27,475	$69,544	$15,265,497
10	116	$97,019	$27,351	$69,668	$15,195,829
10	117	$97,019	$27,226	$69,793	$15,126,036
10	118	$97,019	$27,101	$69,918	$15,056,118
10	119	$97,019	$26,976	$70,043	$14,986,074
10	120	$97,019	$26,850	$70,169	$14,915,905
11	121	$97,019	$26,724	$70,295	$14,845,611
11	122	$97,019	$26,598	$70,420	$14,775,190
11	123	$97,019	$26,472	$70,547	$14,704,644
11	124	$97,019	$26,346	$70,673	$14,633,971
11	125	$97,019	$26,219	$70,800	$14,563,171
11	126	$97,019	$26,092	$70,927	$14,492,245
11	127	$97,019	$25,965	$71,054	$14,421,191
11	128	$97,019	$25,838	$71,181	$14,350,010
11	129	$97,019	$25,710	$71,308	$14,278,702
11	130	$97,019	$25,583	$71,436	$14,207,266
11	131	$97,019	$25,455	$71,564	$14,135,701
11	132	$97,019	$25,326	$71,692	$14,064,009
12	133	$97,019	$25,198	$71,821	$13,992,188
12	134	$97,019	$25,069	$71,950	$13,920,239
12	135	$97,019	$24,940	$72,078	$13,848,160
12	136	$97,019	$24,811	$72,208	$13,775,953
12	137	$97,019	$24,682	$72,337	$13,703,616
12	138	$97,019	$24,552	$72,467	$13,631,149
12	139	$97,019	$24,422	$72,596	$13,558,553
12	140	$97,019	$24,292	$72,726	$13,485,826
12	141	$97,019	$24,162	$72,857	$13,412,970
12	142	$97,019	$24,032	$72,987	$13,339,982
12	143	$97,019	$23,901	$73,118	$13,266,864
12	144	$97,019	$23,770	$73,249	$13,193,615
13	145	$97,019	$23,639	$73,380	$13,120,235
13	146	$97,019	$23,507	$73,512	$13,046,723
13	147	$97,019	$23,375	$73,643	$12,973,080
13	148	$97,019	$23,243	$73,775	$12,899,304
13	149	$97,019	$23,111	$73,908	$12,825,397
13	150	$97,019	$22,979	$74,040	$12,751,357
13	151	$97,019	$22,846	$74,173	$12,677,184
13	152	$97,019	$22,713	$74,306	$12,602,878
13	153	$97,019	$22,580	$74,439	$12,528,440
13	154	$97,019	$22,447	$74,572	$12,453,868
13	155	$97,019	$22,313	$74,706	$12,379,162
13	156	$97,019	$22,179	$74,840	$12,304,322
14	157	$97,019	$22,045	$74,974	$12,229,349
14	158	$97,019	$21,911	$75,108	$12,154,241
14	159	$97,019	$21,776	$75,243	$12,078,998
14	160	$97,019	$21,642	$75,377	$12,003,621
14	161	$97,019	$21,506	$75,512	$11,928,109
14	162	$97,019	$21,371	$75,648	$11,852,461
14	163	$97,019	$21,236	$75,783	$11,776,678
14	164	$97,019	$21,100	$75,919	$11,700,759
14	165	$97,019	$20,964	$76,055	$11,624,704
14	166	$97,019	$20,828	$76,191	$11,548,513
14	167	$97,019	$20,691	$76,328	$11,472,185
14	168	$97,019	$20,554	$76,465	$11,395,720
15	169	$97,019	$20,417	$76,602	$11,319,119
15	170	$97,019	$20,280	$76,739	$11,242,380
15	171	$97,019	$20,143	$76,876	$11,165,504
15	172	$97,019	$20,005	$77,014	$11,088,490
15	173	$97,019	$19,867	$77,152	$11,011,338
15	174	$97,019	$19,729	$77,290	$10,934,048
15	175	$97,019	$19,590	$77,429	$10,856,619
15	176	$97,019	$19,451	$77,567	$10,779,051
15	177	$97,019	$19,312	$77,706	$10,701,345
15	178	$97,019	$19,173	$77,846	$10,623,499
15	179	$97,019	$19,034	$77,985	$10,545,514
15	180	$97,019	$18,894	$78,125	$10,467,390
16	181	$97,019	$18,754	$78,265	$10,389,125
16	182	$97,019	$18,614	$78,405	$10,310,720
16	183	$97,019	$18,473	$78,545	$10,232,174
16	184	$97,019	$18,333	$78,686	$10,153,488
16	185	$97,019	$18,192	$78,827	$10,074,661
16	186	$97,019	$18,050	$78,968	$9,995,693
16	187	$97,019	$17,909	$79,110	$9,916,583
16	188	$97,019	$17,767	$79,252	$9,837,331
16	189	$97,019	$17,625	$79,394	$9,757,937
16	190	$97,019	$17,483	$79,536	$9,678,401
16	191	$97,019	$17,340	$79,678	$9,598,723
16	192	$97,019	$17,198	$79,821	$9,518,902
17	193	$97,019	$17,055	$79,964	$9,438,938
17	194	$97,019	$16,911	$80,107	$9,358,830
17	195	$97,019	$16,768	$80,251	$9,278,579
17	196	$97,019	$16,624	$80,395	$9,198,185
17	197	$97,019	$16,480	$80,539	$9,117,646
17	198	$97,019	$16,336	$80,683	$9,036,963
17	199	$97,019	$16,191	$80,828	$8,956,135
17	200	$97,019	$16,046	$80,972	$8,875,163
17	201	$97,019	$15,901	$81,118	$8,794,045
17	202	$97,019	$15,756	$81,263	$8,712,782
17	203	$97,019	$15,610	$81,408	$8,631,374
17	204	$97,019	$15,465	$81,554	$8,549,820
18	205	$97,019	$15,318	$81,700	$8,468,119
18	206	$97,019	$15,172	$81,847	$8,386,272
18	207	$97,019	$15,025	$81,993	$8,304,279
18	208	$97,019	$14,878	$82,140	$8,222,139
18	209	$97,019	$14,731	$82,288	$8,139,851
18	210	$97,019	$14,584	$82,435	$8,057,416
18	211	$97,019	$14,436	$82,583	$7,974,833
18	212	$97,019	$14,288	$82,731	$7,892,103
18	213	$97,019	$14,140	$82,879	$7,809,224
18	214	$97,019	$13,992	$83,027	$7,726,197
18	215	$97,019	$13,843	$83,176	$7,643,021
18	216	$97,019	$13,694	$83,325	$7,559,695
19	217	$97,019	$13,544	$83,474	$7,476,221
19	218	$97,019	$13,395	$83,624	$7,392,597
19	219	$97,019	$13,245	$83,774	$7,308,823
19	220	$97,019	$13,095	$83,924	$7,224,899
19	221	$97,019	$12,945	$84,074	$7,140,825
19	222	$97,019	$12,794	$84,225	$7,056,600
19	223	$97,019	$12,643	$84,376	$6,972,225
19	224	$97,019	$12,492	$84,527	$6,887,698
19	225	$97,019	$12,340	$84,678	$6,803,019
19	226	$97,019	$12,189	$84,830	$6,718,189
19	227	$97,019	$12,037	$84,982	$6,633,207
19	228	$97,019	$11,884	$85,134	$6,548,073
20	229	$97,019	$11,732	$85,287	$6,462,786
20	230	$97,019	$11,579	$85,440	$6,377,346
20	231	$97,019	$11,426	$85,593	$6,291,753
20	232	$97,019	$11,273	$85,746	$6,206,007
20	233	$97,019	$11,119	$85,900	$6,120,107
20	234	$97,019	$10,965	$86,054	$6,034,054
20	235	$97,019	$10,811	$86,208	$5,947,846
20	236	$97,019	$10,657	$86,362	$5,861,484
20	237	$97,019	$10,502	$86,517	$5,774,967
20	238	$97,019	$10,347	$86,672	$5,688,295
20	239	$97,019	$10,192	$86,827	$5,601,467
20	240	$97,019	$10,036	$86,983	$5,514,484
21	241	$97,019	$9,880	$87,139	$5,427,346
21	242	$97,019	$9,724	$87,295	$5,340,051
21	243	$97,019	$9,568	$87,451	$5,252,599
21	244	$97,019	$9,411	$87,608	$5,164,992
21	245	$97,019	$9,254	$87,765	$5,077,227
21	246	$97,019	$9,097	$87,922	$4,989,304
21	247	$97,019	$8,939	$88,080	$4,901,225
21	248	$97,019	$8,781	$88,237	$4,812,987
21	249	$97,019	$8,623	$88,396	$4,724,592
21	250	$97,019	$8,465	$88,554	$4,636,038
21	251	$97,019	$8,306	$88,713	$4,547,325
21	252	$97,019	$8,147	$88,872	$4,458,454
22	253	$97,019	$7,988	$89,031	$4,369,423
22	254	$97,019	$7,829	$89,190	$4,280,232
22	255	$97,019	$7,669	$89,350	$4,190,882
22	256	$97,019	$7,509	$89,510	$4,101,372
22	257	$97,019	$7,348	$89,671	$4,011,702
22	258	$97,019	$7,188	$89,831	$3,921,870
22	259	$97,019	$7,027	$89,992	$3,831,878
22	260	$97,019	$6,865	$90,153	$3,741,725
22	261	$97,019	$6,704	$90,315	$3,651,410
22	262	$97,019	$6,542	$90,477	$3,560,933
22	263	$97,019	$6,380	$90,639	$3,470,294
22	264	$97,019	$6,218	$90,801	$3,379,493
23	265	$97,019	$6,055	$90,964	$3,288,529
23	266	$97,019	$5,892	$91,127	$3,197,402
23	267	$97,019	$5,729	$91,290	$3,106,112
23	268	$97,019	$5,565	$91,454	$3,014,658
23	269	$97,019	$5,401	$91,618	$2,923,041
23	270	$97,019	$5,237	$91,782	$2,831,259
23	271	$97,019	$5,073	$91,946	$2,739,313
23	272	$97,019	$4,908	$92,111	$2,647,202
23	273	$97,019	$4,743	$92,276	$2,554,926
23	274	$97,019	$4,578	$92,441	$2,462,485
23	275	$97,019	$4,412	$92,607	$2,369,878
23	276	$97,019	$4,246	$92,773	$2,277,105
24	277	$97,019	$4,080	$92,939	$2,184,166
24	278	$97,019	$3,913	$93,106	$2,091,060
24	279	$97,019	$3,746	$93,272	$1,997,788
24	280	$97,019	$3,579	$93,439	$1,904,348
24	281	$97,019	$3,412	$93,607	$1,810,742
24	282	$97,019	$3,244	$93,775	$1,716,967
24	283	$97,019	$3,076	$93,943	$1,623,024
24	284	$97,019	$2,908	$94,111	$1,528,913
24	285	$97,019	$2,739	$94,280	$1,434,634
24	286	$97,019	$2,570	$94,448	$1,340,185
24	287	$97,019	$2,401	$94,618	$1,245,568
24	288	$97,019	$2,232	$94,787	$1,150,780
25	289	$97,019	$2,062	$94,957	$1,055,823
25	290	$97,019	$1,892	$95,127	$960,696
25	291	$97,019	$1,721	$95,298	$865,399
25	292	$97,019	$1,551	$95,468	$769,930
25	293	$97,019	$1,379	$95,639	$674,291
25	294	$97,019	$1,208	$95,811	$578,480
25	295	$97,019	$1,036	$95,982	$482,498
25	296	$97,019	$864	$96,154	$386,343
25	297	$97,019	$692	$96,327	$290,017
25	298	$97,019	$520	$96,499	$193,517
25	299	$97,019	$347	$96,672	$96,845
25	300	$97,019	$174	$96,845	$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$ 15,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,375,000

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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.