Century 21 Centaland Property

Down Payment (HKD)

$9,840,000

Monthly Repayment (HKD)

$63,644

Loan Amount (HKD)

$14,760,000

Total Interest (HKD)

$4,333,310

Total Repayment (HKD)

$19,093,310

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$63,644	$26,445	$37,199	$14,722,801
1	2	$63,644	$26,378	$37,266	$14,685,535
1	3	$63,644	$26,312	$37,333	$14,648,202
1	4	$63,644	$26,245	$37,400	$14,610,802
1	5	$63,644	$26,178	$37,467	$14,573,335
1	6	$63,644	$26,111	$37,534	$14,535,802
1	7	$63,644	$26,043	$37,601	$14,498,201
1	8	$63,644	$25,976	$37,668	$14,460,532
1	9	$63,644	$25,908	$37,736	$14,422,796
1	10	$63,644	$25,841	$37,804	$14,384,993
1	11	$63,644	$25,773	$37,871	$14,347,121
1	12	$63,644	$25,705	$37,939	$14,309,182
2	13	$63,644	$25,637	$38,007	$14,271,175
2	14	$63,644	$25,569	$38,075	$14,233,100
2	15	$63,644	$25,501	$38,143	$14,194,957
2	16	$63,644	$25,433	$38,212	$14,156,745
2	17	$63,644	$25,364	$38,280	$14,118,465
2	18	$63,644	$25,296	$38,349	$14,080,116
2	19	$63,644	$25,227	$38,417	$14,041,699
2	20	$63,644	$25,158	$38,486	$14,003,212
2	21	$63,644	$25,089	$38,555	$13,964,657
2	22	$63,644	$25,020	$38,624	$13,926,033
2	23	$63,644	$24,951	$38,694	$13,887,339
2	24	$63,644	$24,881	$38,763	$13,848,576
3	25	$63,644	$24,812	$38,832	$13,809,744
3	26	$63,644	$24,742	$38,902	$13,770,842
3	27	$63,644	$24,673	$38,972	$13,731,870
3	28	$63,644	$24,603	$39,041	$13,692,829
3	29	$63,644	$24,533	$39,111	$13,653,717
3	30	$63,644	$24,463	$39,181	$13,614,536
3	31	$63,644	$24,393	$39,252	$13,575,284
3	32	$63,644	$24,322	$39,322	$13,535,962
3	33	$63,644	$24,252	$39,392	$13,496,570
3	34	$63,644	$24,181	$39,463	$13,457,107
3	35	$63,644	$24,111	$39,534	$13,417,573
3	36	$63,644	$24,040	$39,605	$13,377,969
4	37	$63,644	$23,969	$39,676	$13,338,293
4	38	$63,644	$23,898	$39,747	$13,298,547
4	39	$63,644	$23,827	$39,818	$13,258,729
4	40	$63,644	$23,755	$39,889	$13,218,840
4	41	$63,644	$23,684	$39,961	$13,178,879
4	42	$63,644	$23,612	$40,032	$13,138,847
4	43	$63,644	$23,540	$40,104	$13,098,743
4	44	$63,644	$23,469	$40,176	$13,058,567
4	45	$63,644	$23,397	$40,248	$13,018,319
4	46	$63,644	$23,324	$40,320	$12,977,999
4	47	$63,644	$23,252	$40,392	$12,937,607
4	48	$63,644	$23,180	$40,464	$12,897,143
5	49	$63,644	$23,107	$40,537	$12,856,606
5	50	$63,644	$23,035	$40,610	$12,815,996
5	51	$63,644	$22,962	$40,682	$12,775,314
5	52	$63,644	$22,889	$40,755	$12,734,559
5	53	$63,644	$22,816	$40,828	$12,693,730
5	54	$63,644	$22,743	$40,901	$12,652,829
5	55	$63,644	$22,670	$40,975	$12,611,854
5	56	$63,644	$22,596	$41,048	$12,570,806
5	57	$63,644	$22,523	$41,122	$12,529,684
5	58	$63,644	$22,449	$41,195	$12,488,489
5	59	$63,644	$22,375	$41,269	$12,447,220
5	60	$63,644	$22,301	$41,343	$12,405,877
6	61	$63,644	$22,227	$41,417	$12,364,459
6	62	$63,644	$22,153	$41,491	$12,322,968
6	63	$63,644	$22,079	$41,566	$12,281,402
6	64	$63,644	$22,004	$41,640	$12,239,762
6	65	$63,644	$21,930	$41,715	$12,198,047
6	66	$63,644	$21,855	$41,790	$12,156,258
6	67	$63,644	$21,780	$41,864	$12,114,393
6	68	$63,644	$21,705	$41,939	$12,072,454
6	69	$63,644	$21,630	$42,015	$12,030,440
6	70	$63,644	$21,555	$42,090	$11,988,350
6	71	$63,644	$21,479	$42,165	$11,946,184
6	72	$63,644	$21,404	$42,241	$11,903,944
7	73	$63,644	$21,328	$42,316	$11,861,627
7	74	$63,644	$21,252	$42,392	$11,819,235
7	75	$63,644	$21,176	$42,468	$11,776,767
7	76	$63,644	$21,100	$42,544	$11,734,222
7	77	$63,644	$21,024	$42,621	$11,691,602
7	78	$63,644	$20,947	$42,697	$11,648,905
7	79	$63,644	$20,871	$42,773	$11,606,131
7	80	$63,644	$20,794	$42,850	$11,563,281
7	81	$63,644	$20,718	$42,927	$11,520,355
7	82	$63,644	$20,641	$43,004	$11,477,351
7	83	$63,644	$20,564	$43,081	$11,434,270
7	84	$63,644	$20,486	$43,158	$11,391,112
8	85	$63,644	$20,409	$43,235	$11,347,877
8	86	$63,644	$20,332	$43,313	$11,304,564
8	87	$63,644	$20,254	$43,390	$11,261,174
8	88	$63,644	$20,176	$43,468	$11,217,706
8	89	$63,644	$20,098	$43,546	$11,174,160
8	90	$63,644	$20,020	$43,624	$11,130,536
8	91	$63,644	$19,942	$43,702	$11,086,833
8	92	$63,644	$19,864	$43,780	$11,043,053
8	93	$63,644	$19,785	$43,859	$10,999,194
8	94	$63,644	$19,707	$43,937	$10,955,257
8	95	$63,644	$19,628	$44,016	$10,911,240
8	96	$63,644	$19,549	$44,095	$10,867,145
9	97	$63,644	$19,470	$44,174	$10,822,971
9	98	$63,644	$19,391	$44,253	$10,778,718
9	99	$63,644	$19,312	$44,332	$10,734,386
9	100	$63,644	$19,232	$44,412	$10,689,974
9	101	$63,644	$19,153	$44,491	$10,645,482
9	102	$63,644	$19,073	$44,571	$10,600,911
9	103	$63,644	$18,993	$44,651	$10,556,260
9	104	$63,644	$18,913	$44,731	$10,511,529
9	105	$63,644	$18,833	$44,811	$10,466,718
9	106	$63,644	$18,753	$44,891	$10,421,826
9	107	$63,644	$18,672	$44,972	$10,376,854
9	108	$63,644	$18,592	$45,053	$10,331,802
10	109	$63,644	$18,511	$45,133	$10,286,668
10	110	$63,644	$18,430	$45,214	$10,241,454
10	111	$63,644	$18,349	$45,295	$10,196,159
10	112	$63,644	$18,268	$45,376	$10,150,783
10	113	$63,644	$18,187	$45,458	$10,105,325
10	114	$63,644	$18,105	$45,539	$10,059,786
10	115	$63,644	$18,024	$45,621	$10,014,166
10	116	$63,644	$17,942	$45,702	$9,968,464
10	117	$63,644	$17,860	$45,784	$9,922,679
10	118	$63,644	$17,778	$45,866	$9,876,813
10	119	$63,644	$17,696	$45,948	$9,830,865
10	120	$63,644	$17,614	$46,031	$9,784,834
11	121	$63,644	$17,531	$46,113	$9,738,721
11	122	$63,644	$17,449	$46,196	$9,692,525
11	123	$63,644	$17,366	$46,279	$9,646,246
11	124	$63,644	$17,283	$46,362	$9,599,885
11	125	$63,644	$17,200	$46,445	$9,553,440
11	126	$63,644	$17,117	$46,528	$9,506,912
11	127	$63,644	$17,033	$46,611	$9,460,301
11	128	$63,644	$16,950	$46,695	$9,413,607
11	129	$63,644	$16,866	$46,778	$9,366,828
11	130	$63,644	$16,782	$46,862	$9,319,966
11	131	$63,644	$16,698	$46,946	$9,273,020
11	132	$63,644	$16,614	$47,030	$9,225,990
12	133	$63,644	$16,530	$47,114	$9,178,875
12	134	$63,644	$16,445	$47,199	$9,131,677
12	135	$63,644	$16,361	$47,283	$9,084,393
12	136	$63,644	$16,276	$47,368	$9,037,025
12	137	$63,644	$16,191	$47,453	$8,989,572
12	138	$63,644	$16,106	$47,538	$8,942,034
12	139	$63,644	$16,021	$47,623	$8,894,411
12	140	$63,644	$15,936	$47,709	$8,846,702
12	141	$63,644	$15,850	$47,794	$8,798,908
12	142	$63,644	$15,765	$47,880	$8,751,028
12	143	$63,644	$15,679	$47,965	$8,703,063
12	144	$63,644	$15,593	$48,051	$8,655,012
13	145	$63,644	$15,507	$48,137	$8,606,874
13	146	$63,644	$15,421	$48,224	$8,558,650
13	147	$63,644	$15,334	$48,310	$8,510,340
13	148	$63,644	$15,248	$48,397	$8,461,944
13	149	$63,644	$15,161	$48,483	$8,413,460
13	150	$63,644	$15,074	$48,570	$8,364,890
13	151	$63,644	$14,987	$48,657	$8,316,233
13	152	$63,644	$14,900	$48,744	$8,267,488
13	153	$63,644	$14,813	$48,832	$8,218,656
13	154	$63,644	$14,725	$48,919	$8,169,737
13	155	$63,644	$14,637	$49,007	$8,120,730
13	156	$63,644	$14,550	$49,095	$8,071,636
14	157	$63,644	$14,462	$49,183	$8,022,453
14	158	$63,644	$14,374	$49,271	$7,973,182
14	159	$63,644	$14,285	$49,359	$7,923,823
14	160	$63,644	$14,197	$49,448	$7,874,375
14	161	$63,644	$14,108	$49,536	$7,824,839
14	162	$63,644	$14,020	$49,625	$7,775,214
14	163	$63,644	$13,931	$49,714	$7,725,501
14	164	$63,644	$13,842	$49,803	$7,675,698
14	165	$63,644	$13,752	$49,892	$7,625,806
14	166	$63,644	$13,663	$49,981	$7,575,824
14	167	$63,644	$13,573	$50,071	$7,525,753
14	168	$63,644	$13,484	$50,161	$7,475,593
15	169	$63,644	$13,394	$50,251	$7,425,342
15	170	$63,644	$13,304	$50,341	$7,375,001
15	171	$63,644	$13,214	$50,431	$7,324,570
15	172	$63,644	$13,123	$50,521	$7,274,049
15	173	$63,644	$13,033	$50,612	$7,223,438
15	174	$63,644	$12,942	$50,702	$7,172,735
15	175	$63,644	$12,851	$50,793	$7,121,942
15	176	$63,644	$12,760	$50,884	$7,071,058
15	177	$63,644	$12,669	$50,975	$7,020,082
15	178	$63,644	$12,578	$51,067	$6,969,016
15	179	$63,644	$12,486	$51,158	$6,917,857
15	180	$63,644	$12,394	$51,250	$6,866,608
16	181	$63,644	$12,303	$51,342	$6,815,266
16	182	$63,644	$12,211	$51,434	$6,763,832
16	183	$63,644	$12,119	$51,526	$6,712,306
16	184	$63,644	$12,026	$51,618	$6,660,688
16	185	$63,644	$11,934	$51,711	$6,608,978
16	186	$63,644	$11,841	$51,803	$6,557,174
16	187	$63,644	$11,748	$51,896	$6,505,278
16	188	$63,644	$11,655	$51,989	$6,453,289
16	189	$63,644	$11,562	$52,082	$6,401,207
16	190	$63,644	$11,469	$52,176	$6,349,031
16	191	$63,644	$11,375	$52,269	$6,296,762
16	192	$63,644	$11,282	$52,363	$6,244,400
17	193	$63,644	$11,188	$52,456	$6,191,943
17	194	$63,644	$11,094	$52,550	$6,139,393
17	195	$63,644	$11,000	$52,645	$6,086,748
17	196	$63,644	$10,905	$52,739	$6,034,009
17	197	$63,644	$10,811	$52,833	$5,981,176
17	198	$63,644	$10,716	$52,928	$5,928,248
17	199	$63,644	$10,621	$53,023	$5,875,225
17	200	$63,644	$10,526	$53,118	$5,822,107
17	201	$63,644	$10,431	$53,213	$5,768,894
17	202	$63,644	$10,336	$53,308	$5,715,585
17	203	$63,644	$10,240	$53,404	$5,662,181
17	204	$63,644	$10,145	$53,500	$5,608,682
18	205	$63,644	$10,049	$53,595	$5,555,086
18	206	$63,644	$9,953	$53,692	$5,501,395
18	207	$63,644	$9,857	$53,788	$5,447,607
18	208	$63,644	$9,760	$53,884	$5,393,723
18	209	$63,644	$9,664	$53,981	$5,339,742
18	210	$63,644	$9,567	$54,077	$5,285,665
18	211	$63,644	$9,470	$54,174	$5,231,491
18	212	$63,644	$9,373	$54,271	$5,177,219
18	213	$63,644	$9,276	$54,369	$5,122,851
18	214	$63,644	$9,178	$54,466	$5,068,385
18	215	$63,644	$9,081	$54,564	$5,013,822
18	216	$63,644	$8,983	$54,661	$4,959,160
19	217	$63,644	$8,885	$54,759	$4,904,401
19	218	$63,644	$8,787	$54,857	$4,849,544
19	219	$63,644	$8,689	$54,956	$4,794,588
19	220	$63,644	$8,590	$55,054	$4,739,534
19	221	$63,644	$8,492	$55,153	$4,684,381
19	222	$63,644	$8,393	$55,252	$4,629,130
19	223	$63,644	$8,294	$55,351	$4,573,779
19	224	$63,644	$8,195	$55,450	$4,518,330
19	225	$63,644	$8,095	$55,549	$4,462,781
19	226	$63,644	$7,996	$55,649	$4,407,132
19	227	$63,644	$7,896	$55,748	$4,351,384
19	228	$63,644	$7,796	$55,848	$4,295,536
20	229	$63,644	$7,696	$55,948	$4,239,587
20	230	$63,644	$7,596	$56,048	$4,183,539
20	231	$63,644	$7,496	$56,149	$4,127,390
20	232	$63,644	$7,395	$56,249	$4,071,141
20	233	$63,644	$7,294	$56,350	$4,014,790
20	234	$63,644	$7,193	$56,451	$3,958,339
20	235	$63,644	$7,092	$56,552	$3,901,787
20	236	$63,644	$6,991	$56,654	$3,845,133
20	237	$63,644	$6,889	$56,755	$3,788,378
20	238	$63,644	$6,788	$56,857	$3,731,521
20	239	$63,644	$6,686	$56,959	$3,674,562
20	240	$63,644	$6,584	$57,061	$3,617,502
21	241	$63,644	$6,481	$57,163	$3,560,339
21	242	$63,644	$6,379	$57,265	$3,503,073
21	243	$63,644	$6,276	$57,368	$3,445,705
21	244	$63,644	$6,174	$57,471	$3,388,234
21	245	$63,644	$6,071	$57,574	$3,330,661
21	246	$63,644	$5,967	$57,677	$3,272,984
21	247	$63,644	$5,864	$57,780	$3,215,203
21	248	$63,644	$5,761	$57,884	$3,157,320
21	249	$63,644	$5,657	$57,988	$3,099,332
21	250	$63,644	$5,553	$58,091	$3,041,241
21	251	$63,644	$5,449	$58,195	$2,983,045
21	252	$63,644	$5,345	$58,300	$2,924,746
22	253	$63,644	$5,240	$58,404	$2,866,341
22	254	$63,644	$5,136	$58,509	$2,807,832
22	255	$63,644	$5,031	$58,614	$2,749,219
22	256	$63,644	$4,926	$58,719	$2,690,500
22	257	$63,644	$4,820	$58,824	$2,631,676
22	258	$63,644	$4,715	$58,929	$2,572,747
22	259	$63,644	$4,610	$59,035	$2,513,712
22	260	$63,644	$4,504	$59,141	$2,454,571
22	261	$63,644	$4,398	$59,247	$2,395,325
22	262	$63,644	$4,292	$59,353	$2,335,972
22	263	$63,644	$4,185	$59,459	$2,276,513
22	264	$63,644	$4,079	$59,566	$2,216,947
23	265	$63,644	$3,972	$59,672	$2,157,275
23	266	$63,644	$3,865	$59,779	$2,097,496
23	267	$63,644	$3,758	$59,886	$2,037,609
23	268	$63,644	$3,651	$59,994	$1,977,616
23	269	$63,644	$3,543	$60,101	$1,917,515
23	270	$63,644	$3,436	$60,209	$1,857,306
23	271	$63,644	$3,328	$60,317	$1,796,989
23	272	$63,644	$3,220	$60,425	$1,736,564
23	273	$63,644	$3,111	$60,533	$1,676,031
23	274	$63,644	$3,003	$60,641	$1,615,390
23	275	$63,644	$2,894	$60,750	$1,554,640
23	276	$63,644	$2,785	$60,859	$1,493,781
24	277	$63,644	$2,676	$60,968	$1,432,813
24	278	$63,644	$2,567	$61,077	$1,371,736
24	279	$63,644	$2,458	$61,187	$1,310,549
24	280	$63,644	$2,348	$61,296	$1,249,253
24	281	$63,644	$2,238	$61,406	$1,187,846
24	282	$63,644	$2,128	$61,516	$1,126,330
24	283	$63,644	$2,018	$61,626	$1,064,704
24	284	$63,644	$1,908	$61,737	$1,002,967
24	285	$63,644	$1,797	$61,847	$941,120
24	286	$63,644	$1,686	$61,958	$879,162
24	287	$63,644	$1,575	$62,069	$817,092
24	288	$63,644	$1,464	$62,180	$754,912
25	289	$63,644	$1,353	$62,292	$692,620
25	290	$63,644	$1,241	$62,403	$630,217
25	291	$63,644	$1,129	$62,515	$567,702
25	292	$63,644	$1,017	$62,627	$505,074
25	293	$63,644	$905	$62,739	$442,335
25	294	$63,644	$793	$62,852	$379,483
25	295	$63,644	$680	$62,964	$316,519
25	296	$63,644	$567	$63,077	$253,441
25	297	$63,644	$454	$63,190	$190,251
25	298	$63,644	$341	$63,304	$126,947
25	299	$63,644	$227	$63,417	$63,531
25	300	$63,644	$114	$63,531	$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$ 9,840,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,086,000

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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.