Century 21 Centaland Property

Down Payment (HKD)

$22,800,000

Monthly Repayment (HKD)

$147,469

Loan Amount (HKD)

$34,200,000

Total Interest (HKD)

$10,040,597

Total Repayment (HKD)

$44,240,597

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$147,469	$61,275	$86,194	$34,113,806
1	2	$147,469	$61,121	$86,348	$34,027,458
1	3	$147,469	$60,966	$86,503	$33,940,955
1	4	$147,469	$60,811	$86,658	$33,854,298
1	5	$147,469	$60,656	$86,813	$33,767,485
1	6	$147,469	$60,500	$86,969	$33,680,516
1	7	$147,469	$60,344	$87,124	$33,593,392
1	8	$147,469	$60,188	$87,280	$33,506,111
1	9	$147,469	$60,032	$87,437	$33,418,674
1	10	$147,469	$59,875	$87,594	$33,331,081
1	11	$147,469	$59,718	$87,750	$33,243,330
1	12	$147,469	$59,561	$87,908	$33,155,423
2	13	$147,469	$59,403	$88,065	$33,067,357
2	14	$147,469	$59,246	$88,223	$32,979,134
2	15	$147,469	$59,088	$88,381	$32,890,753
2	16	$147,469	$58,929	$88,539	$32,802,214
2	17	$147,469	$58,771	$88,698	$32,713,516
2	18	$147,469	$58,612	$88,857	$32,624,659
2	19	$147,469	$58,453	$89,016	$32,535,643
2	20	$147,469	$58,293	$89,176	$32,446,467
2	21	$147,469	$58,133	$89,335	$32,357,132
2	22	$147,469	$57,973	$89,495	$32,267,636
2	23	$147,469	$57,813	$89,656	$32,177,981
2	24	$147,469	$57,652	$89,816	$32,088,164
3	25	$147,469	$57,491	$89,977	$31,998,187
3	26	$147,469	$57,330	$90,139	$31,908,048
3	27	$147,469	$57,169	$90,300	$31,817,748
3	28	$147,469	$57,007	$90,462	$31,727,286
3	29	$147,469	$56,845	$90,624	$31,636,662
3	30	$147,469	$56,682	$90,786	$31,545,876
3	31	$147,469	$56,520	$90,949	$31,454,927
3	32	$147,469	$56,357	$91,112	$31,363,815
3	33	$147,469	$56,194	$91,275	$31,272,540
3	34	$147,469	$56,030	$91,439	$31,181,101
3	35	$147,469	$55,866	$91,603	$31,089,499
3	36	$147,469	$55,702	$91,767	$30,997,732
4	37	$147,469	$55,538	$91,931	$30,905,801
4	38	$147,469	$55,373	$92,096	$30,813,705
4	39	$147,469	$55,208	$92,261	$30,721,445
4	40	$147,469	$55,043	$92,426	$30,629,018
4	41	$147,469	$54,877	$92,592	$30,536,427
4	42	$147,469	$54,711	$92,758	$30,443,669
4	43	$147,469	$54,545	$92,924	$30,350,746
4	44	$147,469	$54,378	$93,090	$30,257,655
4	45	$147,469	$54,212	$93,257	$30,164,398
4	46	$147,469	$54,045	$93,424	$30,070,974
4	47	$147,469	$53,877	$93,591	$29,977,383
4	48	$147,469	$53,709	$93,759	$29,883,623
5	49	$147,469	$53,541	$93,927	$29,789,696
5	50	$147,469	$53,373	$94,095	$29,695,601
5	51	$147,469	$53,205	$94,264	$29,601,337
5	52	$147,469	$53,036	$94,433	$29,506,904
5	53	$147,469	$52,867	$94,602	$29,412,302
5	54	$147,469	$52,697	$94,772	$29,317,530
5	55	$147,469	$52,527	$94,941	$29,222,589
5	56	$147,469	$52,357	$95,112	$29,127,477
5	57	$147,469	$52,187	$95,282	$29,032,195
5	58	$147,469	$52,016	$95,453	$28,936,743
5	59	$147,469	$51,845	$95,624	$28,841,119
5	60	$147,469	$51,674	$95,795	$28,745,324
6	61	$147,469	$51,502	$95,967	$28,649,357
6	62	$147,469	$51,330	$96,139	$28,553,219
6	63	$147,469	$51,158	$96,311	$28,456,908
6	64	$147,469	$50,985	$96,483	$28,360,425
6	65	$147,469	$50,812	$96,656	$28,263,768
6	66	$147,469	$50,639	$96,829	$28,166,939
6	67	$147,469	$50,466	$97,003	$28,069,936
6	68	$147,469	$50,292	$97,177	$27,972,759
6	69	$147,469	$50,118	$97,351	$27,875,409
6	70	$147,469	$49,943	$97,525	$27,777,883
6	71	$147,469	$49,769	$97,700	$27,680,183
6	72	$147,469	$49,594	$97,875	$27,582,308
7	73	$147,469	$49,418	$98,050	$27,484,258
7	74	$147,469	$49,243	$98,226	$27,386,032
7	75	$147,469	$49,067	$98,402	$27,287,630
7	76	$147,469	$48,890	$98,578	$27,189,052
7	77	$147,469	$48,714	$98,755	$27,090,297
7	78	$147,469	$48,537	$98,932	$26,991,365
7	79	$147,469	$48,360	$99,109	$26,892,256
7	80	$147,469	$48,182	$99,287	$26,792,969
7	81	$147,469	$48,004	$99,465	$26,693,504
7	82	$147,469	$47,826	$99,643	$26,593,862
7	83	$147,469	$47,647	$99,821	$26,494,040
7	84	$147,469	$47,468	$100,000	$26,394,040
8	85	$147,469	$47,289	$100,179	$26,293,861
8	86	$147,469	$47,110	$100,359	$26,193,502
8	87	$147,469	$46,930	$100,539	$26,092,963
8	88	$147,469	$46,750	$100,719	$25,992,245
8	89	$147,469	$46,569	$100,899	$25,891,345
8	90	$147,469	$46,389	$101,080	$25,790,265
8	91	$147,469	$46,208	$101,261	$25,689,004
8	92	$147,469	$46,026	$101,443	$25,587,562
8	93	$147,469	$45,844	$101,624	$25,485,938
8	94	$147,469	$45,662	$101,806	$25,384,131
8	95	$147,469	$45,480	$101,989	$25,282,142
8	96	$147,469	$45,297	$102,171	$25,179,971
9	97	$147,469	$45,114	$102,355	$25,077,616
9	98	$147,469	$44,931	$102,538	$24,975,078
9	99	$147,469	$44,747	$102,722	$24,872,357
9	100	$147,469	$44,563	$102,906	$24,769,451
9	101	$147,469	$44,379	$103,090	$24,666,361
9	102	$147,469	$44,194	$103,275	$24,563,086
9	103	$147,469	$44,009	$103,460	$24,459,627
9	104	$147,469	$43,823	$103,645	$24,355,981
9	105	$147,469	$43,638	$103,831	$24,252,151
9	106	$147,469	$43,452	$104,017	$24,148,134
9	107	$147,469	$43,265	$104,203	$24,043,930
9	108	$147,469	$43,079	$104,390	$23,939,540
10	109	$147,469	$42,892	$104,577	$23,834,963
10	110	$147,469	$42,704	$104,764	$23,730,199
10	111	$147,469	$42,517	$104,952	$23,625,247
10	112	$147,469	$42,329	$105,140	$23,520,107
10	113	$147,469	$42,140	$105,328	$23,414,778
10	114	$147,469	$41,951	$105,517	$23,309,261
10	115	$147,469	$41,762	$105,706	$23,203,555
10	116	$147,469	$41,573	$105,896	$23,097,659
10	117	$147,469	$41,383	$106,085	$22,991,574
10	118	$147,469	$41,193	$106,275	$22,885,299
10	119	$147,469	$41,003	$106,466	$22,778,833
10	120	$147,469	$40,812	$106,657	$22,672,176
11	121	$147,469	$40,621	$106,848	$22,565,329
11	122	$147,469	$40,430	$107,039	$22,458,289
11	123	$147,469	$40,238	$107,231	$22,351,059
11	124	$147,469	$40,046	$107,423	$22,243,636
11	125	$147,469	$39,853	$107,615	$22,136,020
11	126	$147,469	$39,660	$107,808	$22,028,212
11	127	$147,469	$39,467	$108,001	$21,920,210
11	128	$147,469	$39,274	$108,195	$21,812,015
11	129	$147,469	$39,080	$108,389	$21,703,627
11	130	$147,469	$38,886	$108,583	$21,595,044
11	131	$147,469	$38,691	$108,778	$21,486,266
11	132	$147,469	$38,496	$108,972	$21,377,294
12	133	$147,469	$38,301	$109,168	$21,268,126
12	134	$147,469	$38,105	$109,363	$21,158,763
12	135	$147,469	$37,909	$109,559	$21,049,204
12	136	$147,469	$37,713	$109,756	$20,939,448
12	137	$147,469	$37,517	$109,952	$20,829,496
12	138	$147,469	$37,320	$110,149	$20,719,347
12	139	$147,469	$37,122	$110,346	$20,609,000
12	140	$147,469	$36,924	$110,544	$20,498,456
12	141	$147,469	$36,726	$110,742	$20,387,714
12	142	$147,469	$36,528	$110,941	$20,276,773
12	143	$147,469	$36,329	$111,139	$20,165,634
12	144	$147,469	$36,130	$111,339	$20,054,295
13	145	$147,469	$35,931	$111,538	$19,942,757
13	146	$147,469	$35,731	$111,738	$19,831,019
13	147	$147,469	$35,531	$111,938	$19,719,081
13	148	$147,469	$35,330	$112,139	$19,606,942
13	149	$147,469	$35,129	$112,340	$19,494,603
13	150	$147,469	$34,928	$112,541	$19,382,062
13	151	$147,469	$34,726	$112,742	$19,269,320
13	152	$147,469	$34,524	$112,944	$19,156,375
13	153	$147,469	$34,322	$113,147	$19,043,228
13	154	$147,469	$34,119	$113,350	$18,929,879
13	155	$147,469	$33,916	$113,553	$18,816,326
13	156	$147,469	$33,713	$113,756	$18,702,570
14	157	$147,469	$33,509	$113,960	$18,588,610
14	158	$147,469	$33,305	$114,164	$18,474,446
14	159	$147,469	$33,100	$114,369	$18,360,078
14	160	$147,469	$32,895	$114,574	$18,245,504
14	161	$147,469	$32,690	$114,779	$18,130,725
14	162	$147,469	$32,484	$114,984	$18,015,741
14	163	$147,469	$32,278	$115,190	$17,900,550
14	164	$147,469	$32,072	$115,397	$17,785,153
14	165	$147,469	$31,865	$115,604	$17,669,550
14	166	$147,469	$31,658	$115,811	$17,553,739
14	167	$147,469	$31,450	$116,018	$17,437,721
14	168	$147,469	$31,243	$116,226	$17,321,495
15	169	$147,469	$31,034	$116,434	$17,205,061
15	170	$147,469	$30,826	$116,643	$17,088,418
15	171	$147,469	$30,617	$116,852	$16,971,566
15	172	$147,469	$30,407	$117,061	$16,854,504
15	173	$147,469	$30,198	$117,271	$16,737,233
15	174	$147,469	$29,988	$117,481	$16,619,752
15	175	$147,469	$29,777	$117,692	$16,502,061
15	176	$147,469	$29,566	$117,902	$16,384,158
15	177	$147,469	$29,355	$118,114	$16,266,045
15	178	$147,469	$29,143	$118,325	$16,147,719
15	179	$147,469	$28,931	$118,537	$16,029,182
15	180	$147,469	$28,719	$118,750	$15,910,432
16	181	$147,469	$28,506	$118,962	$15,791,470
16	182	$147,469	$28,293	$119,176	$15,672,294
16	183	$147,469	$28,080	$119,389	$15,552,905
16	184	$147,469	$27,866	$119,603	$15,433,302
16	185	$147,469	$27,651	$119,817	$15,313,485
16	186	$147,469	$27,437	$120,032	$15,193,453
16	187	$147,469	$27,222	$120,247	$15,073,206
16	188	$147,469	$27,006	$120,462	$14,952,743
16	189	$147,469	$26,790	$120,678	$14,832,065
16	190	$147,469	$26,574	$120,895	$14,711,170
16	191	$147,469	$26,358	$121,111	$14,590,059
16	192	$147,469	$26,141	$121,328	$14,468,731
17	193	$147,469	$25,923	$121,546	$14,347,185
17	194	$147,469	$25,705	$121,763	$14,225,422
17	195	$147,469	$25,487	$121,981	$14,103,441
17	196	$147,469	$25,269	$122,200	$13,981,241
17	197	$147,469	$25,050	$122,419	$13,858,822
17	198	$147,469	$24,830	$122,638	$13,736,183
17	199	$147,469	$24,611	$122,858	$13,613,326
17	200	$147,469	$24,391	$123,078	$13,490,247
17	201	$147,469	$24,170	$123,299	$13,366,949
17	202	$147,469	$23,949	$123,520	$13,243,429
17	203	$147,469	$23,728	$123,741	$13,119,688
17	204	$147,469	$23,506	$123,963	$12,995,726
18	205	$147,469	$23,284	$124,185	$12,871,541
18	206	$147,469	$23,062	$124,407	$12,747,134
18	207	$147,469	$22,839	$124,630	$12,622,504
18	208	$147,469	$22,615	$124,853	$12,497,651
18	209	$147,469	$22,392	$125,077	$12,372,574
18	210	$147,469	$22,168	$125,301	$12,247,272
18	211	$147,469	$21,943	$125,526	$12,121,747
18	212	$147,469	$21,718	$125,751	$11,995,996
18	213	$147,469	$21,493	$125,976	$11,870,020
18	214	$147,469	$21,267	$126,202	$11,743,819
18	215	$147,469	$21,041	$126,428	$11,617,391
18	216	$147,469	$20,814	$126,654	$11,490,737
19	217	$147,469	$20,588	$126,881	$11,363,856
19	218	$147,469	$20,360	$127,108	$11,236,748
19	219	$147,469	$20,133	$127,336	$11,109,411
19	220	$147,469	$19,904	$127,564	$10,981,847
19	221	$147,469	$19,676	$127,793	$10,854,054
19	222	$147,469	$19,447	$128,022	$10,726,033
19	223	$147,469	$19,217	$128,251	$10,597,781
19	224	$147,469	$18,988	$128,481	$10,469,300
19	225	$147,469	$18,757	$128,711	$10,340,589
19	226	$147,469	$18,527	$128,942	$10,211,647
19	227	$147,469	$18,296	$129,173	$10,082,475
19	228	$147,469	$18,064	$129,404	$9,953,070
20	229	$147,469	$17,833	$129,636	$9,823,434
20	230	$147,469	$17,600	$129,868	$9,693,566
20	231	$147,469	$17,368	$130,101	$9,563,465
20	232	$147,469	$17,135	$130,334	$9,433,131
20	233	$147,469	$16,901	$130,568	$9,302,563
20	234	$147,469	$16,667	$130,802	$9,171,762
20	235	$147,469	$16,433	$131,036	$9,040,726
20	236	$147,469	$16,198	$131,271	$8,909,455
20	237	$147,469	$15,963	$131,506	$8,777,949
20	238	$147,469	$15,727	$131,741	$8,646,208
20	239	$147,469	$15,491	$131,978	$8,514,230
20	240	$147,469	$15,255	$132,214	$8,382,016
21	241	$147,469	$15,018	$132,451	$8,249,565
21	242	$147,469	$14,780	$132,688	$8,116,877
21	243	$147,469	$14,543	$132,926	$7,983,951
21	244	$147,469	$14,305	$133,164	$7,850,787
21	245	$147,469	$14,066	$133,403	$7,717,384
21	246	$147,469	$13,827	$133,642	$7,583,743
21	247	$147,469	$13,588	$133,881	$7,449,862
21	248	$147,469	$13,348	$134,121	$7,315,741
21	249	$147,469	$13,107	$134,361	$7,181,379
21	250	$147,469	$12,867	$134,602	$7,046,777
21	251	$147,469	$12,625	$134,843	$6,911,934
21	252	$147,469	$12,384	$135,085	$6,776,849
22	253	$147,469	$12,142	$135,327	$6,641,523
22	254	$147,469	$11,899	$135,569	$6,505,953
22	255	$147,469	$11,656	$135,812	$6,370,141
22	256	$147,469	$11,413	$136,055	$6,234,086
22	257	$147,469	$11,169	$136,299	$6,097,786
22	258	$147,469	$10,925	$136,543	$5,961,243
22	259	$147,469	$10,681	$136,788	$5,824,455
22	260	$147,469	$10,435	$137,033	$5,687,422
22	261	$147,469	$10,190	$137,279	$5,550,143
22	262	$147,469	$9,944	$137,525	$5,412,618
22	263	$147,469	$9,698	$137,771	$5,274,847
22	264	$147,469	$9,451	$138,018	$5,136,829
23	265	$147,469	$9,203	$138,265	$4,998,564
23	266	$147,469	$8,956	$138,513	$4,860,051
23	267	$147,469	$8,708	$138,761	$4,721,290
23	268	$147,469	$8,459	$139,010	$4,582,281
23	269	$147,469	$8,210	$139,259	$4,443,022
23	270	$147,469	$7,960	$139,508	$4,303,514
23	271	$147,469	$7,710	$139,758	$4,163,755
23	272	$147,469	$7,460	$140,009	$4,023,747
23	273	$147,469	$7,209	$140,259	$3,883,487
23	274	$147,469	$6,958	$140,511	$3,742,977
23	275	$147,469	$6,706	$140,762	$3,602,214
23	276	$147,469	$6,454	$141,015	$3,461,199
24	277	$147,469	$6,201	$141,267	$3,319,932
24	278	$147,469	$5,948	$141,520	$3,178,412
24	279	$147,469	$5,695	$141,774	$3,036,638
24	280	$147,469	$5,441	$142,028	$2,894,610
24	281	$147,469	$5,186	$142,282	$2,752,327
24	282	$147,469	$4,931	$142,537	$2,609,790
24	283	$147,469	$4,676	$142,793	$2,466,997
24	284	$147,469	$4,420	$143,049	$2,323,948
24	285	$147,469	$4,164	$143,305	$2,180,643
24	286	$147,469	$3,907	$143,562	$2,037,082
24	287	$147,469	$3,650	$143,819	$1,893,263
24	288	$147,469	$3,392	$144,077	$1,749,186
25	289	$147,469	$3,134	$144,335	$1,604,852
25	290	$147,469	$2,875	$144,593	$1,460,258
25	291	$147,469	$2,616	$144,852	$1,315,406
25	292	$147,469	$2,357	$145,112	$1,170,294
25	293	$147,469	$2,097	$145,372	$1,024,922
25	294	$147,469	$1,836	$145,632	$879,290
25	295	$147,469	$1,575	$145,893	$733,397
25	296	$147,469	$1,314	$146,155	$587,242
25	297	$147,469	$1,052	$146,417	$440,825
25	298	$147,469	$790	$146,679	$294,147
25	299	$147,469	$527	$146,942	$147,205
25	300	$147,469	$264	$147,205	$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$ 22,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 23,370,000

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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.