Century 21 Centaland Property

Down Payment (HKD)

$32,320,000

Monthly Repayment (HKD)

$209,043

Loan Amount (HKD)

$48,480,000

Total Interest (HKD)

$14,232,987

Total Repayment (HKD)

$62,712,987

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$209,043	$86,860	$122,183	$48,357,817
1	2	$209,043	$86,641	$122,402	$48,235,415
1	3	$209,043	$86,422	$122,622	$48,112,793
1	4	$209,043	$86,202	$122,841	$47,989,952
1	5	$209,043	$85,982	$123,061	$47,866,891
1	6	$209,043	$85,762	$123,282	$47,743,609
1	7	$209,043	$85,541	$123,503	$47,620,106
1	8	$209,043	$85,319	$123,724	$47,496,382
1	9	$209,043	$85,098	$123,946	$47,372,437
1	10	$209,043	$84,876	$124,168	$47,248,269
1	11	$209,043	$84,653	$124,390	$47,123,879
1	12	$209,043	$84,430	$124,613	$46,999,266
2	13	$209,043	$84,207	$124,836	$46,874,429
2	14	$209,043	$83,983	$125,060	$46,749,369
2	15	$209,043	$83,759	$125,284	$46,624,085
2	16	$209,043	$83,535	$125,508	$46,498,577
2	17	$209,043	$83,310	$125,733	$46,372,844
2	18	$209,043	$83,085	$125,959	$46,246,885
2	19	$209,043	$82,859	$126,184	$46,120,701
2	20	$209,043	$82,633	$126,410	$45,994,290
2	21	$209,043	$82,406	$126,637	$45,867,654
2	22	$209,043	$82,180	$126,864	$45,740,790
2	23	$209,043	$81,952	$127,091	$45,613,699
2	24	$209,043	$81,725	$127,319	$45,486,380
3	25	$209,043	$81,496	$127,547	$45,358,833
3	26	$209,043	$81,268	$127,775	$45,231,058
3	27	$209,043	$81,039	$128,004	$45,103,053
3	28	$209,043	$80,810	$128,234	$44,974,820
3	29	$209,043	$80,580	$128,463	$44,846,356
3	30	$209,043	$80,350	$128,694	$44,717,663
3	31	$209,043	$80,119	$128,924	$44,588,739
3	32	$209,043	$79,888	$129,155	$44,459,584
3	33	$209,043	$79,657	$129,387	$44,330,197
3	34	$209,043	$79,425	$129,618	$44,200,579
3	35	$209,043	$79,193	$129,851	$44,070,728
3	36	$209,043	$78,960	$130,083	$43,940,645
4	37	$209,043	$78,727	$130,316	$43,810,329
4	38	$209,043	$78,494	$130,550	$43,679,779
4	39	$209,043	$78,260	$130,784	$43,548,995
4	40	$209,043	$78,025	$131,018	$43,417,977
4	41	$209,043	$77,791	$131,253	$43,286,724
4	42	$209,043	$77,555	$131,488	$43,155,236
4	43	$209,043	$77,320	$131,723	$43,023,513
4	44	$209,043	$77,084	$131,959	$42,891,553
4	45	$209,043	$76,847	$132,196	$42,759,358
4	46	$209,043	$76,611	$132,433	$42,626,925
4	47	$209,043	$76,373	$132,670	$42,494,255
4	48	$209,043	$76,136	$132,908	$42,361,347
5	49	$209,043	$75,897	$133,146	$42,228,201
5	50	$209,043	$75,659	$133,384	$42,094,817
5	51	$209,043	$75,420	$133,623	$41,961,193
5	52	$209,043	$75,180	$133,863	$41,827,330
5	53	$209,043	$74,941	$134,103	$41,693,228
5	54	$209,043	$74,700	$134,343	$41,558,885
5	55	$209,043	$74,460	$134,584	$41,424,301
5	56	$209,043	$74,219	$134,825	$41,289,476
5	57	$209,043	$73,977	$135,066	$41,154,410
5	58	$209,043	$73,735	$135,308	$41,019,102
5	59	$209,043	$73,493	$135,551	$40,883,551
5	60	$209,043	$73,250	$135,794	$40,747,757
6	61	$209,043	$73,006	$136,037	$40,611,721
6	62	$209,043	$72,763	$136,281	$40,475,440
6	63	$209,043	$72,518	$136,525	$40,338,915
6	64	$209,043	$72,274	$136,769	$40,202,146
6	65	$209,043	$72,029	$137,014	$40,065,131
6	66	$209,043	$71,783	$137,260	$39,927,871
6	67	$209,043	$71,537	$137,506	$39,790,366
6	68	$209,043	$71,291	$137,752	$39,652,613
6	69	$209,043	$71,044	$137,999	$39,514,614
6	70	$209,043	$70,797	$138,246	$39,376,368
6	71	$209,043	$70,549	$138,494	$39,237,874
6	72	$209,043	$70,301	$138,742	$39,099,132
7	73	$209,043	$70,053	$138,991	$38,960,141
7	74	$209,043	$69,804	$139,240	$38,820,902
7	75	$209,043	$69,554	$139,489	$38,681,412
7	76	$209,043	$69,304	$139,739	$38,541,673
7	77	$209,043	$69,054	$139,989	$38,401,684
7	78	$209,043	$68,803	$140,240	$38,261,444
7	79	$209,043	$68,552	$140,492	$38,120,952
7	80	$209,043	$68,300	$140,743	$37,980,209
7	81	$209,043	$68,048	$140,995	$37,839,213
7	82	$209,043	$67,795	$141,248	$37,697,965
7	83	$209,043	$67,542	$141,501	$37,556,464
7	84	$209,043	$67,289	$141,755	$37,414,710
8	85	$209,043	$67,035	$142,009	$37,272,701
8	86	$209,043	$66,780	$142,263	$37,130,438
8	87	$209,043	$66,525	$142,518	$36,987,920
8	88	$209,043	$66,270	$142,773	$36,845,147
8	89	$209,043	$66,014	$143,029	$36,702,118
8	90	$209,043	$65,758	$143,285	$36,558,832
8	91	$209,043	$65,501	$143,542	$36,415,290
8	92	$209,043	$65,244	$143,799	$36,271,491
8	93	$209,043	$64,986	$144,057	$36,127,434
8	94	$209,043	$64,728	$144,315	$35,983,119
8	95	$209,043	$64,470	$144,574	$35,838,546
8	96	$209,043	$64,211	$144,833	$35,693,713
9	97	$209,043	$63,951	$145,092	$35,548,621
9	98	$209,043	$63,691	$145,352	$35,403,269
9	99	$209,043	$63,431	$145,612	$35,257,657
9	100	$209,043	$63,170	$145,873	$35,111,783
9	101	$209,043	$62,909	$146,135	$34,965,649
9	102	$209,043	$62,647	$146,397	$34,819,252
9	103	$209,043	$62,384	$146,659	$34,672,593
9	104	$209,043	$62,122	$146,922	$34,525,672
9	105	$209,043	$61,858	$147,185	$34,378,487
9	106	$209,043	$61,595	$147,449	$34,231,039
9	107	$209,043	$61,331	$147,713	$34,083,326
9	108	$209,043	$61,066	$147,977	$33,935,349
10	109	$209,043	$60,801	$148,242	$33,787,106
10	110	$209,043	$60,535	$148,508	$33,638,598
10	111	$209,043	$60,269	$148,774	$33,489,824
10	112	$209,043	$60,003	$149,041	$33,340,783
10	113	$209,043	$59,736	$149,308	$33,191,475
10	114	$209,043	$59,468	$149,575	$33,041,900
10	115	$209,043	$59,200	$149,843	$32,892,057
10	116	$209,043	$58,932	$150,112	$32,741,945
10	117	$209,043	$58,663	$150,381	$32,591,565
10	118	$209,043	$58,393	$150,650	$32,440,915
10	119	$209,043	$58,123	$150,920	$32,289,995
10	120	$209,043	$57,853	$151,190	$32,138,804
11	121	$209,043	$57,582	$151,461	$31,987,343
11	122	$209,043	$57,311	$151,733	$31,835,610
11	123	$209,043	$57,039	$152,004	$31,683,606
11	124	$209,043	$56,766	$152,277	$31,531,329
11	125	$209,043	$56,494	$152,550	$31,378,779
11	126	$209,043	$56,220	$152,823	$31,225,956
11	127	$209,043	$55,947	$153,097	$31,072,860
11	128	$209,043	$55,672	$153,371	$30,919,489
11	129	$209,043	$55,397	$153,646	$30,765,843
11	130	$209,043	$55,122	$153,921	$30,611,921
11	131	$209,043	$54,846	$154,197	$30,457,725
11	132	$209,043	$54,570	$154,473	$30,303,251
12	133	$209,043	$54,293	$154,750	$30,148,501
12	134	$209,043	$54,016	$155,027	$29,993,474
12	135	$209,043	$53,738	$155,305	$29,838,169
12	136	$209,043	$53,460	$155,583	$29,682,586
12	137	$209,043	$53,181	$155,862	$29,526,724
12	138	$209,043	$52,902	$156,141	$29,370,583
12	139	$209,043	$52,622	$156,421	$29,214,162
12	140	$209,043	$52,342	$156,701	$29,057,460
12	141	$209,043	$52,061	$156,982	$28,900,478
12	142	$209,043	$51,780	$157,263	$28,743,215
12	143	$209,043	$51,498	$157,545	$28,585,670
12	144	$209,043	$51,216	$157,827	$28,427,843
13	145	$209,043	$50,933	$158,110	$28,269,733
13	146	$209,043	$50,650	$158,393	$28,111,339
13	147	$209,043	$50,366	$158,677	$27,952,662
13	148	$209,043	$50,082	$158,961	$27,793,701
13	149	$209,043	$49,797	$159,246	$27,634,455
13	150	$209,043	$49,512	$159,532	$27,474,923
13	151	$209,043	$49,226	$159,817	$27,315,106
13	152	$209,043	$48,940	$160,104	$27,155,002
13	153	$209,043	$48,653	$160,391	$26,994,611
13	154	$209,043	$48,365	$160,678	$26,833,933
13	155	$209,043	$48,077	$160,966	$26,672,968
13	156	$209,043	$47,789	$161,254	$26,511,713
14	157	$209,043	$47,500	$161,543	$26,350,170
14	158	$209,043	$47,211	$161,833	$26,188,338
14	159	$209,043	$46,921	$162,123	$26,026,215
14	160	$209,043	$46,630	$162,413	$25,863,802
14	161	$209,043	$46,339	$162,704	$25,701,098
14	162	$209,043	$46,048	$162,995	$25,538,103
14	163	$209,043	$45,756	$163,288	$25,374,815
14	164	$209,043	$45,463	$163,580	$25,211,235
14	165	$209,043	$45,170	$163,873	$25,047,362
14	166	$209,043	$44,877	$164,167	$24,883,195
14	167	$209,043	$44,582	$164,461	$24,718,734
14	168	$209,043	$44,288	$164,756	$24,553,979
15	169	$209,043	$43,993	$165,051	$24,388,928
15	170	$209,043	$43,697	$165,346	$24,223,581
15	171	$209,043	$43,401	$165,643	$24,057,939
15	172	$209,043	$43,104	$165,939	$23,891,999
15	173	$209,043	$42,806	$166,237	$23,725,763
15	174	$209,043	$42,509	$166,535	$23,559,228
15	175	$209,043	$42,210	$166,833	$23,392,395
15	176	$209,043	$41,911	$167,132	$23,225,263
15	177	$209,043	$41,612	$167,431	$23,057,832
15	178	$209,043	$41,312	$167,731	$22,890,100
15	179	$209,043	$41,011	$168,032	$22,722,068
15	180	$209,043	$40,710	$168,333	$22,553,735
16	181	$209,043	$40,409	$168,635	$22,385,101
16	182	$209,043	$40,107	$168,937	$22,216,164
16	183	$209,043	$39,804	$169,239	$22,046,925
16	184	$209,043	$39,501	$169,543	$21,877,382
16	185	$209,043	$39,197	$169,846	$21,707,536
16	186	$209,043	$38,893	$170,151	$21,537,385
16	187	$209,043	$38,588	$170,455	$21,366,930
16	188	$209,043	$38,282	$170,761	$21,196,169
16	189	$209,043	$37,976	$171,067	$21,025,102
16	190	$209,043	$37,670	$171,373	$20,853,729
16	191	$209,043	$37,363	$171,680	$20,682,049
16	192	$209,043	$37,055	$171,988	$20,510,061
17	193	$209,043	$36,747	$172,296	$20,337,765
17	194	$209,043	$36,438	$172,605	$20,165,160
17	195	$209,043	$36,129	$172,914	$19,992,246
17	196	$209,043	$35,819	$173,224	$19,819,022
17	197	$209,043	$35,509	$173,534	$19,645,488
17	198	$209,043	$35,198	$173,845	$19,471,643
17	199	$209,043	$34,887	$174,157	$19,297,486
17	200	$209,043	$34,575	$174,469	$19,123,017
17	201	$209,043	$34,262	$174,781	$18,948,236
17	202	$209,043	$33,949	$175,094	$18,773,142
17	203	$209,043	$33,635	$175,408	$18,597,734
17	204	$209,043	$33,321	$175,722	$18,422,011
18	205	$209,043	$33,006	$176,037	$18,245,974
18	206	$209,043	$32,691	$176,353	$18,069,622
18	207	$209,043	$32,375	$176,669	$17,892,953
18	208	$209,043	$32,058	$176,985	$17,715,968
18	209	$209,043	$31,741	$177,302	$17,538,666
18	210	$209,043	$31,423	$177,620	$17,361,046
18	211	$209,043	$31,105	$177,938	$17,183,108
18	212	$209,043	$30,786	$178,257	$17,004,851
18	213	$209,043	$30,467	$178,576	$16,826,275
18	214	$209,043	$30,147	$178,896	$16,647,378
18	215	$209,043	$29,827	$179,217	$16,468,162
18	216	$209,043	$29,505	$179,538	$16,288,624
19	217	$209,043	$29,184	$179,860	$16,108,764
19	218	$209,043	$28,862	$180,182	$15,928,583
19	219	$209,043	$28,539	$180,505	$15,748,078
19	220	$209,043	$28,215	$180,828	$15,567,250
19	221	$209,043	$27,891	$181,152	$15,386,098
19	222	$209,043	$27,567	$181,477	$15,204,622
19	223	$209,043	$27,242	$181,802	$15,022,820
19	224	$209,043	$26,916	$182,127	$14,840,692
19	225	$209,043	$26,590	$182,454	$14,658,239
19	226	$209,043	$26,263	$182,781	$14,475,458
19	227	$209,043	$25,935	$183,108	$14,292,350
19	228	$209,043	$25,607	$183,436	$14,108,914
20	229	$209,043	$25,278	$183,765	$13,925,149
20	230	$209,043	$24,949	$184,094	$13,741,055
20	231	$209,043	$24,619	$184,424	$13,556,631
20	232	$209,043	$24,289	$184,754	$13,371,877
20	233	$209,043	$23,958	$185,085	$13,186,791
20	234	$209,043	$23,626	$185,417	$13,001,374
20	235	$209,043	$23,294	$185,749	$12,815,625
20	236	$209,043	$22,961	$186,082	$12,629,543
20	237	$209,043	$22,628	$186,415	$12,443,128
20	238	$209,043	$22,294	$186,749	$12,256,379
20	239	$209,043	$21,959	$187,084	$12,069,295
20	240	$209,043	$21,624	$187,419	$11,881,876
21	241	$209,043	$21,288	$187,755	$11,694,121
21	242	$209,043	$20,952	$188,091	$11,506,029
21	243	$209,043	$20,615	$188,428	$11,317,601
21	244	$209,043	$20,277	$188,766	$11,128,835
21	245	$209,043	$19,939	$189,104	$10,939,731
21	246	$209,043	$19,600	$189,443	$10,750,288
21	247	$209,043	$19,261	$189,782	$10,560,506
21	248	$209,043	$18,921	$190,122	$10,370,383
21	249	$209,043	$18,580	$190,463	$10,179,920
21	250	$209,043	$18,239	$190,804	$9,989,116
21	251	$209,043	$17,897	$191,146	$9,797,970
21	252	$209,043	$17,555	$191,489	$9,606,481
22	253	$209,043	$17,212	$191,832	$9,414,650
22	254	$209,043	$16,868	$192,175	$9,222,474
22	255	$209,043	$16,524	$192,520	$9,029,954
22	256	$209,043	$16,179	$192,865	$8,837,090
22	257	$209,043	$15,833	$193,210	$8,643,880
22	258	$209,043	$15,487	$193,556	$8,450,323
22	259	$209,043	$15,140	$193,903	$8,256,420
22	260	$209,043	$14,793	$194,251	$8,062,170
22	261	$209,043	$14,445	$194,599	$7,867,571
22	262	$209,043	$14,096	$194,947	$7,672,624
22	263	$209,043	$13,747	$195,297	$7,477,327
22	264	$209,043	$13,397	$195,646	$7,281,681
23	265	$209,043	$13,046	$195,997	$7,085,684
23	266	$209,043	$12,695	$196,348	$6,889,336
23	267	$209,043	$12,343	$196,700	$6,692,636
23	268	$209,043	$11,991	$197,052	$6,495,584
23	269	$209,043	$11,638	$197,405	$6,298,178
23	270	$209,043	$11,284	$197,759	$6,100,419
23	271	$209,043	$10,930	$198,113	$5,902,306
23	272	$209,043	$10,575	$198,468	$5,703,838
23	273	$209,043	$10,219	$198,824	$5,505,014
23	274	$209,043	$9,863	$199,180	$5,305,834
23	275	$209,043	$9,506	$199,537	$5,106,297
23	276	$209,043	$9,149	$199,895	$4,906,402
24	277	$209,043	$8,791	$200,253	$4,706,149
24	278	$209,043	$8,432	$200,611	$4,505,538
24	279	$209,043	$8,072	$200,971	$4,304,567
24	280	$209,043	$7,712	$201,331	$4,103,236
24	281	$209,043	$7,352	$201,692	$3,901,544
24	282	$209,043	$6,990	$202,053	$3,699,491
24	283	$209,043	$6,628	$202,415	$3,497,076
24	284	$209,043	$6,266	$202,778	$3,294,299
24	285	$209,043	$5,902	$203,141	$3,091,158
24	286	$209,043	$5,538	$203,505	$2,887,653
24	287	$209,043	$5,174	$203,870	$2,683,783
24	288	$209,043	$4,808	$204,235	$2,479,548
25	289	$209,043	$4,443	$204,601	$2,274,948
25	290	$209,043	$4,076	$204,967	$2,069,980
25	291	$209,043	$3,709	$205,335	$1,864,646
25	292	$209,043	$3,341	$205,702	$1,658,943
25	293	$209,043	$2,972	$206,071	$1,452,872
25	294	$209,043	$2,603	$206,440	$1,246,432
25	295	$209,043	$2,233	$206,810	$1,039,622
25	296	$209,043	$1,863	$207,181	$832,441
25	297	$209,043	$1,491	$207,552	$624,889
25	298	$209,043	$1,120	$207,924	$416,966
25	299	$209,043	$747	$208,296	$208,669
25	300	$209,043	$374	$208,669	$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$ 32,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 33,128,000

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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.