Century 21 Centaland Property

Down Payment (HKD)

$26,800,000

Monthly Repayment (HKD)

$173,340

Loan Amount (HKD)

$40,200,000

Total Interest (HKD)

$11,802,106

Total Repayment (HKD)

$52,002,106

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$173,340	$72,025	$101,315	$40,098,685
1	2	$173,340	$71,843	$101,497	$39,997,188
1	3	$173,340	$71,662	$101,679	$39,895,509
1	4	$173,340	$71,479	$101,861	$39,793,648
1	5	$173,340	$71,297	$102,043	$39,691,605
1	6	$173,340	$71,114	$102,226	$39,589,379
1	7	$173,340	$70,931	$102,409	$39,486,969
1	8	$173,340	$70,747	$102,593	$39,384,376
1	9	$173,340	$70,564	$102,777	$39,281,600
1	10	$173,340	$70,380	$102,961	$39,178,639
1	11	$173,340	$70,195	$103,145	$39,075,493
1	12	$173,340	$70,010	$103,330	$38,972,163
2	13	$173,340	$69,825	$103,515	$38,868,648
2	14	$173,340	$69,640	$103,701	$38,764,947
2	15	$173,340	$69,454	$103,886	$38,661,061
2	16	$173,340	$69,268	$104,073	$38,556,988
2	17	$173,340	$69,081	$104,259	$38,452,729
2	18	$173,340	$68,894	$104,446	$38,348,283
2	19	$173,340	$68,707	$104,633	$38,243,650
2	20	$173,340	$68,520	$104,820	$38,138,830
2	21	$173,340	$68,332	$105,008	$38,033,822
2	22	$173,340	$68,144	$105,196	$37,928,625
2	23	$173,340	$67,955	$105,385	$37,823,240
2	24	$173,340	$67,767	$105,574	$37,717,667
3	25	$173,340	$67,577	$105,763	$37,611,904
3	26	$173,340	$67,388	$105,952	$37,505,951
3	27	$173,340	$67,198	$106,142	$37,399,809
3	28	$173,340	$67,008	$106,332	$37,293,477
3	29	$173,340	$66,817	$106,523	$37,186,954
3	30	$173,340	$66,627	$106,714	$37,080,240
3	31	$173,340	$66,435	$106,905	$36,973,335
3	32	$173,340	$66,244	$107,096	$36,866,239
3	33	$173,340	$66,052	$107,288	$36,758,951
3	34	$173,340	$65,860	$107,481	$36,651,470
3	35	$173,340	$65,667	$107,673	$36,543,797
3	36	$173,340	$65,474	$107,866	$36,435,931
4	37	$173,340	$65,281	$108,059	$36,327,871
4	38	$173,340	$65,087	$108,253	$36,219,619
4	39	$173,340	$64,893	$108,447	$36,111,172
4	40	$173,340	$64,699	$108,641	$36,002,530
4	41	$173,340	$64,505	$108,836	$35,893,695
4	42	$173,340	$64,310	$109,031	$35,784,664
4	43	$173,340	$64,114	$109,226	$35,675,438
4	44	$173,340	$63,918	$109,422	$35,566,016
4	45	$173,340	$63,722	$109,618	$35,456,398
4	46	$173,340	$63,526	$109,814	$35,346,584
4	47	$173,340	$63,329	$110,011	$35,236,573
4	48	$173,340	$63,132	$110,208	$35,126,364
5	49	$173,340	$62,935	$110,406	$35,015,959
5	50	$173,340	$62,737	$110,603	$34,905,355
5	51	$173,340	$62,539	$110,802	$34,794,554
5	52	$173,340	$62,340	$111,000	$34,683,554
5	53	$173,340	$62,141	$111,199	$34,572,355
5	54	$173,340	$61,942	$111,398	$34,460,956
5	55	$173,340	$61,743	$111,598	$34,349,359
5	56	$173,340	$61,543	$111,798	$34,237,561
5	57	$173,340	$61,342	$111,998	$34,125,563
5	58	$173,340	$61,142	$112,199	$34,013,364
5	59	$173,340	$60,941	$112,400	$33,900,964
5	60	$173,340	$60,739	$112,601	$33,788,363
6	61	$173,340	$60,537	$112,803	$33,675,560
6	62	$173,340	$60,335	$113,005	$33,562,555
6	63	$173,340	$60,133	$113,207	$33,449,348
6	64	$173,340	$59,930	$113,410	$33,335,938
6	65	$173,340	$59,727	$113,613	$33,222,324
6	66	$173,340	$59,523	$113,817	$33,108,507
6	67	$173,340	$59,319	$114,021	$32,994,486
6	68	$173,340	$59,115	$114,225	$32,880,261
6	69	$173,340	$58,910	$114,430	$32,765,831
6	70	$173,340	$58,705	$114,635	$32,651,196
6	71	$173,340	$58,500	$114,840	$32,536,356
6	72	$173,340	$58,294	$115,046	$32,421,310
7	73	$173,340	$58,088	$115,252	$32,306,058
7	74	$173,340	$57,882	$115,459	$32,190,599
7	75	$173,340	$57,675	$115,666	$32,074,934
7	76	$173,340	$57,468	$115,873	$31,959,061
7	77	$173,340	$57,260	$116,080	$31,842,980
7	78	$173,340	$57,052	$116,288	$31,726,692
7	79	$173,340	$56,844	$116,497	$31,610,195
7	80	$173,340	$56,635	$116,705	$31,493,490
7	81	$173,340	$56,426	$116,915	$31,376,575
7	82	$173,340	$56,216	$117,124	$31,259,451
7	83	$173,340	$56,007	$117,334	$31,142,118
7	84	$173,340	$55,796	$117,544	$31,024,574
8	85	$173,340	$55,586	$117,755	$30,906,819
8	86	$173,340	$55,375	$117,966	$30,788,853
8	87	$173,340	$55,163	$118,177	$30,670,676
8	88	$173,340	$54,952	$118,389	$30,552,288
8	89	$173,340	$54,740	$118,601	$30,433,687
8	90	$173,340	$54,527	$118,813	$30,314,873
8	91	$173,340	$54,314	$119,026	$30,195,847
8	92	$173,340	$54,101	$119,239	$30,076,608
8	93	$173,340	$53,887	$119,453	$29,957,155
8	94	$173,340	$53,673	$119,667	$29,837,488
8	95	$173,340	$53,459	$119,882	$29,717,606
8	96	$173,340	$53,244	$120,096	$29,597,510
9	97	$173,340	$53,029	$120,311	$29,477,198
9	98	$173,340	$52,813	$120,527	$29,356,671
9	99	$173,340	$52,597	$120,743	$29,235,928
9	100	$173,340	$52,381	$120,959	$29,114,969
9	101	$173,340	$52,164	$121,176	$28,993,793
9	102	$173,340	$51,947	$121,393	$28,872,400
9	103	$173,340	$51,730	$121,611	$28,750,789
9	104	$173,340	$51,512	$121,829	$28,628,961
9	105	$173,340	$51,294	$122,047	$28,506,914
9	106	$173,340	$51,075	$122,265	$28,384,648
9	107	$173,340	$50,856	$122,485	$28,262,164
9	108	$173,340	$50,636	$122,704	$28,139,460
10	109	$173,340	$50,417	$122,924	$28,016,536
10	110	$173,340	$50,196	$123,144	$27,893,392
10	111	$173,340	$49,976	$123,365	$27,770,027
10	112	$173,340	$49,755	$123,586	$27,646,441
10	113	$173,340	$49,533	$123,807	$27,522,634
10	114	$173,340	$49,311	$124,029	$27,398,605
10	115	$173,340	$49,089	$124,251	$27,274,354
10	116	$173,340	$48,867	$124,474	$27,149,880
10	117	$173,340	$48,644	$124,697	$27,025,184
10	118	$173,340	$48,420	$124,920	$26,900,263
10	119	$173,340	$48,196	$125,144	$26,775,119
10	120	$173,340	$47,972	$125,368	$26,649,751
11	121	$173,340	$47,747	$125,593	$26,524,158
11	122	$173,340	$47,522	$125,818	$26,398,340
11	123	$173,340	$47,297	$126,043	$26,272,297
11	124	$173,340	$47,071	$126,269	$26,146,028
11	125	$173,340	$46,845	$126,495	$26,019,532
11	126	$173,340	$46,618	$126,722	$25,892,810
11	127	$173,340	$46,391	$126,949	$25,765,861
11	128	$173,340	$46,164	$127,177	$25,638,685
11	129	$173,340	$45,936	$127,404	$25,511,280
11	130	$173,340	$45,708	$127,633	$25,383,648
11	131	$173,340	$45,479	$127,861	$25,255,786
11	132	$173,340	$45,250	$128,090	$25,127,696
12	133	$173,340	$45,020	$128,320	$24,999,376
12	134	$173,340	$44,791	$128,550	$24,870,826
12	135	$173,340	$44,560	$128,780	$24,742,046
12	136	$173,340	$44,329	$129,011	$24,613,035
12	137	$173,340	$44,098	$129,242	$24,483,793
12	138	$173,340	$43,867	$129,474	$24,354,320
12	139	$173,340	$43,635	$129,706	$24,224,614
12	140	$173,340	$43,402	$129,938	$24,094,676
12	141	$173,340	$43,170	$130,171	$23,964,506
12	142	$173,340	$42,936	$130,404	$23,834,102
12	143	$173,340	$42,703	$130,638	$23,703,464
12	144	$173,340	$42,469	$130,872	$23,572,592
13	145	$173,340	$42,234	$131,106	$23,441,486
13	146	$173,340	$41,999	$131,341	$23,310,145
13	147	$173,340	$41,764	$131,576	$23,178,569
13	148	$173,340	$41,528	$131,812	$23,046,757
13	149	$173,340	$41,292	$132,048	$22,914,709
13	150	$173,340	$41,056	$132,285	$22,782,424
13	151	$173,340	$40,819	$132,522	$22,649,902
13	152	$173,340	$40,581	$132,759	$22,517,143
13	153	$173,340	$40,343	$132,997	$22,384,146
13	154	$173,340	$40,105	$133,235	$22,250,910
13	155	$173,340	$39,866	$133,474	$22,117,436
13	156	$173,340	$39,627	$133,713	$21,983,723
14	157	$173,340	$39,388	$133,953	$21,849,770
14	158	$173,340	$39,148	$134,193	$21,715,577
14	159	$173,340	$38,907	$134,433	$21,581,144
14	160	$173,340	$38,666	$134,674	$21,446,470
14	161	$173,340	$38,425	$134,915	$21,311,554
14	162	$173,340	$38,183	$135,157	$21,176,397
14	163	$173,340	$37,941	$135,399	$21,040,998
14	164	$173,340	$37,698	$135,642	$20,905,356
14	165	$173,340	$37,455	$135,885	$20,769,471
14	166	$173,340	$37,212	$136,128	$20,633,343
14	167	$173,340	$36,968	$136,372	$20,496,970
14	168	$173,340	$36,724	$136,617	$20,360,354
15	169	$173,340	$36,479	$136,861	$20,223,492
15	170	$173,340	$36,234	$137,107	$20,086,386
15	171	$173,340	$35,988	$137,352	$19,949,033
15	172	$173,340	$35,742	$137,598	$19,811,435
15	173	$173,340	$35,495	$137,845	$19,673,590
15	174	$173,340	$35,249	$138,092	$19,535,498
15	175	$173,340	$35,001	$138,339	$19,397,159
15	176	$173,340	$34,753	$138,587	$19,258,572
15	177	$173,340	$34,505	$138,835	$19,119,737
15	178	$173,340	$34,256	$139,084	$18,980,652
15	179	$173,340	$34,007	$139,333	$18,841,319
15	180	$173,340	$33,757	$139,583	$18,701,736
16	181	$173,340	$33,507	$139,833	$18,561,903
16	182	$173,340	$33,257	$140,084	$18,421,819
16	183	$173,340	$33,006	$140,335	$18,281,485
16	184	$173,340	$32,754	$140,586	$18,140,899
16	185	$173,340	$32,502	$140,838	$18,000,061
16	186	$173,340	$32,250	$141,090	$17,858,971
16	187	$173,340	$31,997	$141,343	$17,717,628
16	188	$173,340	$31,744	$141,596	$17,576,031
16	189	$173,340	$31,490	$141,850	$17,434,181
16	190	$173,340	$31,236	$142,104	$17,292,077
16	191	$173,340	$30,982	$142,359	$17,149,719
16	192	$173,340	$30,727	$142,614	$17,007,105
17	193	$173,340	$30,471	$142,869	$16,864,235
17	194	$173,340	$30,215	$143,125	$16,721,110
17	195	$173,340	$29,959	$143,382	$16,577,729
17	196	$173,340	$29,702	$143,639	$16,434,090
17	197	$173,340	$29,444	$143,896	$16,290,194
17	198	$173,340	$29,187	$144,154	$16,146,040
17	199	$173,340	$28,928	$144,412	$16,001,628
17	200	$173,340	$28,670	$144,671	$15,856,957
17	201	$173,340	$28,410	$144,930	$15,712,027
17	202	$173,340	$28,151	$145,190	$15,566,838
17	203	$173,340	$27,891	$145,450	$15,421,388
17	204	$173,340	$27,630	$145,710	$15,275,678
18	205	$173,340	$27,369	$145,971	$15,129,706
18	206	$173,340	$27,107	$146,233	$14,983,473
18	207	$173,340	$26,845	$146,495	$14,836,978
18	208	$173,340	$26,583	$146,757	$14,690,221
18	209	$173,340	$26,320	$147,020	$14,543,201
18	210	$173,340	$26,057	$147,284	$14,395,917
18	211	$173,340	$25,793	$147,548	$14,248,369
18	212	$173,340	$25,528	$147,812	$14,100,557
18	213	$173,340	$25,263	$148,077	$13,952,480
18	214	$173,340	$24,998	$148,342	$13,804,138
18	215	$173,340	$24,732	$148,608	$13,655,530
18	216	$173,340	$24,466	$148,874	$13,506,656
19	217	$173,340	$24,199	$149,141	$13,357,515
19	218	$173,340	$23,932	$149,408	$13,208,107
19	219	$173,340	$23,665	$149,676	$13,058,431
19	220	$173,340	$23,396	$149,944	$12,908,487
19	221	$173,340	$23,128	$150,213	$12,758,274
19	222	$173,340	$22,859	$150,482	$12,607,793
19	223	$173,340	$22,589	$150,751	$12,457,041
19	224	$173,340	$22,319	$151,021	$12,306,020
19	225	$173,340	$22,048	$151,292	$12,154,728
19	226	$173,340	$21,777	$151,563	$12,003,165
19	227	$173,340	$21,506	$151,835	$11,851,330
19	228	$173,340	$21,234	$152,107	$11,699,223
20	229	$173,340	$20,961	$152,379	$11,546,844
20	230	$173,340	$20,688	$152,652	$11,394,192
20	231	$173,340	$20,415	$152,926	$11,241,266
20	232	$173,340	$20,141	$153,200	$11,088,066
20	233	$173,340	$19,866	$153,474	$10,934,592
20	234	$173,340	$19,591	$153,749	$10,780,843
20	235	$173,340	$19,316	$154,025	$10,626,818
20	236	$173,340	$19,040	$154,301	$10,472,517
20	237	$173,340	$18,763	$154,577	$10,317,940
20	238	$173,340	$18,486	$154,854	$10,163,086
20	239	$173,340	$18,209	$155,131	$10,007,955
20	240	$173,340	$17,931	$155,409	$9,852,545
21	241	$173,340	$17,652	$155,688	$9,696,857
21	242	$173,340	$17,374	$155,967	$9,540,891
21	243	$173,340	$17,094	$156,246	$9,384,644
21	244	$173,340	$16,814	$156,526	$9,228,118
21	245	$173,340	$16,534	$156,807	$9,071,312
21	246	$173,340	$16,253	$157,088	$8,914,224
21	247	$173,340	$15,971	$157,369	$8,756,855
21	248	$173,340	$15,689	$157,651	$8,599,204
21	249	$173,340	$15,407	$157,933	$8,441,270
21	250	$173,340	$15,124	$158,216	$8,283,054
21	251	$173,340	$14,840	$158,500	$8,124,554
21	252	$173,340	$14,556	$158,784	$7,965,770
22	253	$173,340	$14,272	$159,068	$7,806,702
22	254	$173,340	$13,987	$159,353	$7,647,349
22	255	$173,340	$13,701	$159,639	$7,487,710
22	256	$173,340	$13,415	$159,925	$7,327,785
22	257	$173,340	$13,129	$160,211	$7,167,574
22	258	$173,340	$12,842	$160,498	$7,007,075
22	259	$173,340	$12,554	$160,786	$6,846,289
22	260	$173,340	$12,266	$161,074	$6,685,215
22	261	$173,340	$11,978	$161,363	$6,523,852
22	262	$173,340	$11,689	$161,652	$6,362,201
22	263	$173,340	$11,399	$161,941	$6,200,259
22	264	$173,340	$11,109	$162,232	$6,038,028
23	265	$173,340	$10,818	$162,522	$5,875,505
23	266	$173,340	$10,527	$162,813	$5,712,692
23	267	$173,340	$10,235	$163,105	$5,549,587
23	268	$173,340	$9,943	$163,397	$5,386,189
23	269	$173,340	$9,650	$163,690	$5,222,499
23	270	$173,340	$9,357	$163,983	$5,058,516
23	271	$173,340	$9,063	$164,277	$4,894,239
23	272	$173,340	$8,769	$164,572	$4,729,667
23	273	$173,340	$8,474	$164,866	$4,564,801
23	274	$173,340	$8,179	$165,162	$4,399,639
23	275	$173,340	$7,883	$165,458	$4,234,182
23	276	$173,340	$7,586	$165,754	$4,068,427
24	277	$173,340	$7,289	$166,051	$3,902,376
24	278	$173,340	$6,992	$166,349	$3,736,028
24	279	$173,340	$6,694	$166,647	$3,569,381
24	280	$173,340	$6,395	$166,945	$3,402,436
24	281	$173,340	$6,096	$167,244	$3,235,192
24	282	$173,340	$5,796	$167,544	$3,067,648
24	283	$173,340	$5,496	$167,844	$2,899,803
24	284	$173,340	$5,195	$168,145	$2,731,659
24	285	$173,340	$4,894	$168,446	$2,563,212
24	286	$173,340	$4,592	$168,748	$2,394,465
24	287	$173,340	$4,290	$169,050	$2,225,414
24	288	$173,340	$3,987	$169,353	$2,056,061
25	289	$173,340	$3,684	$169,657	$1,886,405
25	290	$173,340	$3,380	$169,961	$1,716,444
25	291	$173,340	$3,075	$170,265	$1,546,179
25	292	$173,340	$2,770	$170,570	$1,375,609
25	293	$173,340	$2,465	$170,876	$1,204,733
25	294	$173,340	$2,158	$171,182	$1,033,551
25	295	$173,340	$1,852	$171,489	$862,063
25	296	$173,340	$1,545	$171,796	$690,267
25	297	$173,340	$1,237	$172,104	$518,163
25	298	$173,340	$928	$172,412	$345,751
25	299	$173,340	$619	$172,721	$173,030
25	300	$173,340	$310	$173,030	$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$ 26,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 27,470,000

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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.