Century 21 Centaland Property

Down Payment (HKD)

$23,120,000

Monthly Repayment (HKD)

$149,538

Loan Amount (HKD)

$34,680,000

Total Interest (HKD)

$10,181,518

Total Repayment (HKD)

$44,861,518

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$149,538	$62,135	$87,403	$34,592,597
1	2	$149,538	$61,978	$87,560	$34,505,037
1	3	$149,538	$61,822	$87,717	$34,417,320
1	4	$149,538	$61,664	$87,874	$34,329,446
1	5	$149,538	$61,507	$88,031	$34,241,414
1	6	$149,538	$61,349	$88,189	$34,153,225
1	7	$149,538	$61,191	$88,347	$34,064,878
1	8	$149,538	$61,033	$88,505	$33,976,372
1	9	$149,538	$60,874	$88,664	$33,887,708
1	10	$149,538	$60,715	$88,823	$33,798,885
1	11	$149,538	$60,556	$88,982	$33,709,903
1	12	$149,538	$60,397	$89,141	$33,620,762
2	13	$149,538	$60,237	$89,301	$33,531,461
2	14	$149,538	$60,077	$89,461	$33,441,999
2	15	$149,538	$59,917	$89,621	$33,352,378
2	16	$149,538	$59,756	$89,782	$33,262,596
2	17	$149,538	$59,595	$89,943	$33,172,653
2	18	$149,538	$59,434	$90,104	$33,082,549
2	19	$149,538	$59,273	$90,265	$32,992,283
2	20	$149,538	$59,111	$90,427	$32,901,856
2	21	$149,538	$58,949	$90,589	$32,811,267
2	22	$149,538	$58,787	$90,752	$32,720,515
2	23	$149,538	$58,624	$90,914	$32,629,601
2	24	$149,538	$58,461	$91,077	$32,538,524
3	25	$149,538	$58,298	$91,240	$32,447,284
3	26	$149,538	$58,135	$91,404	$32,355,880
3	27	$149,538	$57,971	$91,567	$32,264,313
3	28	$149,538	$57,807	$91,731	$32,172,582
3	29	$149,538	$57,643	$91,896	$32,080,686
3	30	$149,538	$57,478	$92,060	$31,988,625
3	31	$149,538	$57,313	$92,225	$31,896,400
3	32	$149,538	$57,148	$92,391	$31,804,009
3	33	$149,538	$56,982	$92,556	$31,711,453
3	34	$149,538	$56,816	$92,722	$31,618,731
3	35	$149,538	$56,650	$92,888	$31,525,843
3	36	$149,538	$56,484	$93,055	$31,432,788
4	37	$149,538	$56,317	$93,221	$31,339,567
4	38	$149,538	$56,150	$93,388	$31,246,178
4	39	$149,538	$55,983	$93,556	$31,152,623
4	40	$149,538	$55,815	$93,723	$31,058,899
4	41	$149,538	$55,647	$93,891	$30,965,008
4	42	$149,538	$55,479	$94,059	$30,870,949
4	43	$149,538	$55,310	$94,228	$30,776,721
4	44	$149,538	$55,142	$94,397	$30,682,324
4	45	$149,538	$54,972	$94,566	$30,587,758
4	46	$149,538	$54,803	$94,735	$30,493,023
4	47	$149,538	$54,633	$94,905	$30,398,118
4	48	$149,538	$54,463	$95,075	$30,303,043
5	49	$149,538	$54,293	$95,245	$30,207,797
5	50	$149,538	$54,122	$95,416	$30,112,381
5	51	$149,538	$53,951	$95,587	$30,016,794
5	52	$149,538	$53,780	$95,758	$29,921,036
5	53	$149,538	$53,609	$95,930	$29,825,106
5	54	$149,538	$53,437	$96,102	$29,729,004
5	55	$149,538	$53,264	$96,274	$29,632,730
5	56	$149,538	$53,092	$96,446	$29,536,284
5	57	$149,538	$52,919	$96,619	$29,439,665
5	58	$149,538	$52,746	$96,792	$29,342,872
5	59	$149,538	$52,573	$96,966	$29,245,907
5	60	$149,538	$52,399	$97,139	$29,148,767
6	61	$149,538	$52,225	$97,314	$29,051,454
6	62	$149,538	$52,051	$97,488	$28,953,966
6	63	$149,538	$51,876	$97,663	$28,856,303
6	64	$149,538	$51,701	$97,838	$28,758,466
6	65	$149,538	$51,526	$98,013	$28,660,453
6	66	$149,538	$51,350	$98,188	$28,562,264
6	67	$149,538	$51,174	$98,364	$28,463,900
6	68	$149,538	$50,998	$98,541	$28,365,360
6	69	$149,538	$50,821	$98,717	$28,266,642
6	70	$149,538	$50,644	$98,894	$28,167,748
6	71	$149,538	$50,467	$99,071	$28,068,677
6	72	$149,538	$50,290	$99,249	$27,969,429
7	73	$149,538	$50,112	$99,427	$27,870,002
7	74	$149,538	$49,934	$99,605	$27,770,397
7	75	$149,538	$49,755	$99,783	$27,670,614
7	76	$149,538	$49,577	$99,962	$27,570,652
7	77	$149,538	$49,397	$100,141	$27,470,511
7	78	$149,538	$49,218	$100,320	$27,370,191
7	79	$149,538	$49,038	$100,500	$27,269,691
7	80	$149,538	$48,858	$100,680	$27,169,011
7	81	$149,538	$48,678	$100,861	$27,068,150
7	82	$149,538	$48,497	$101,041	$26,967,109
7	83	$149,538	$48,316	$101,222	$26,865,887
7	84	$149,538	$48,135	$101,404	$26,764,483
8	85	$149,538	$47,953	$101,585	$26,662,898
8	86	$149,538	$47,771	$101,767	$26,561,130
8	87	$149,538	$47,589	$101,950	$26,459,180
8	88	$149,538	$47,406	$102,132	$26,357,048
8	89	$149,538	$47,223	$102,315	$26,254,733
8	90	$149,538	$47,040	$102,499	$26,152,234
8	91	$149,538	$46,856	$102,682	$26,049,552
8	92	$149,538	$46,672	$102,866	$25,946,685
8	93	$149,538	$46,488	$103,051	$25,843,635
8	94	$149,538	$46,303	$103,235	$25,740,400
8	95	$149,538	$46,118	$103,420	$25,636,980
8	96	$149,538	$45,933	$103,605	$25,533,374
9	97	$149,538	$45,747	$103,791	$25,429,583
9	98	$149,538	$45,561	$103,977	$25,325,606
9	99	$149,538	$45,375	$104,163	$25,221,443
9	100	$149,538	$45,188	$104,350	$25,117,093
9	101	$149,538	$45,001	$104,537	$25,012,556
9	102	$149,538	$44,814	$104,724	$24,907,831
9	103	$149,538	$44,627	$104,912	$24,802,920
9	104	$149,538	$44,439	$105,100	$24,697,820
9	105	$149,538	$44,250	$105,288	$24,592,532
9	106	$149,538	$44,062	$105,477	$24,487,055
9	107	$149,538	$43,873	$105,666	$24,381,389
9	108	$149,538	$43,683	$105,855	$24,275,534
10	109	$149,538	$43,494	$106,045	$24,169,489
10	110	$149,538	$43,304	$106,235	$24,063,255
10	111	$149,538	$43,113	$106,425	$23,956,829
10	112	$149,538	$42,923	$106,616	$23,850,214
10	113	$149,538	$42,732	$106,807	$23,743,407
10	114	$149,538	$42,540	$106,998	$23,636,409
10	115	$149,538	$42,349	$107,190	$23,529,219
10	116	$149,538	$42,157	$107,382	$23,421,837
10	117	$149,538	$41,964	$107,574	$23,314,263
10	118	$149,538	$41,771	$107,767	$23,206,496
10	119	$149,538	$41,578	$107,960	$23,098,536
10	120	$149,538	$41,385	$108,154	$22,990,382
11	121	$149,538	$41,191	$108,347	$22,882,035
11	122	$149,538	$40,997	$108,541	$22,773,494
11	123	$149,538	$40,803	$108,736	$22,664,758
11	124	$149,538	$40,608	$108,931	$22,555,827
11	125	$149,538	$40,413	$109,126	$22,446,701
11	126	$149,538	$40,217	$109,321	$22,337,380
11	127	$149,538	$40,021	$109,517	$22,227,862
11	128	$149,538	$39,825	$109,713	$22,118,149
11	129	$149,538	$39,628	$109,910	$22,008,239
11	130	$149,538	$39,431	$110,107	$21,898,132
11	131	$149,538	$39,234	$110,304	$21,787,828
11	132	$149,538	$39,037	$110,502	$21,677,326
12	133	$149,538	$38,839	$110,700	$21,566,626
12	134	$149,538	$38,640	$110,898	$21,455,728
12	135	$149,538	$38,442	$111,097	$21,344,631
12	136	$149,538	$38,242	$111,296	$21,233,335
12	137	$149,538	$38,043	$111,495	$21,121,840
12	138	$149,538	$37,843	$111,695	$21,010,145
12	139	$149,538	$37,643	$111,895	$20,898,249
12	140	$149,538	$37,443	$112,096	$20,786,154
12	141	$149,538	$37,242	$112,297	$20,673,857
12	142	$149,538	$37,041	$112,498	$20,561,359
12	143	$149,538	$36,839	$112,699	$20,448,660
12	144	$149,538	$36,637	$112,901	$20,335,759
13	145	$149,538	$36,435	$113,103	$20,222,655
13	146	$149,538	$36,232	$113,306	$20,109,349
13	147	$149,538	$36,029	$113,509	$19,995,840
13	148	$149,538	$35,826	$113,713	$19,882,128
13	149	$149,538	$35,622	$113,916	$19,768,211
13	150	$149,538	$35,418	$114,120	$19,654,091
13	151	$149,538	$35,214	$114,325	$19,539,766
13	152	$149,538	$35,009	$114,530	$19,425,237
13	153	$149,538	$34,804	$114,735	$19,310,502
13	154	$149,538	$34,598	$114,940	$19,195,561
13	155	$149,538	$34,392	$115,146	$19,080,415
13	156	$149,538	$34,186	$115,353	$18,965,062
14	157	$149,538	$33,979	$115,559	$18,849,503
14	158	$149,538	$33,772	$115,766	$18,733,737
14	159	$149,538	$33,565	$115,974	$18,617,763
14	160	$149,538	$33,357	$116,182	$18,501,581
14	161	$149,538	$33,149	$116,390	$18,385,192
14	162	$149,538	$32,940	$116,598	$18,268,593
14	163	$149,538	$32,731	$116,807	$18,151,786
14	164	$149,538	$32,522	$117,016	$18,034,770
14	165	$149,538	$32,312	$117,226	$17,917,544
14	166	$149,538	$32,102	$117,436	$17,800,107
14	167	$149,538	$31,892	$117,647	$17,682,461
14	168	$149,538	$31,681	$117,857	$17,564,604
15	169	$149,538	$31,470	$118,068	$17,446,535
15	170	$149,538	$31,258	$118,280	$17,328,255
15	171	$149,538	$31,046	$118,492	$17,209,763
15	172	$149,538	$30,834	$118,704	$17,091,059
15	173	$149,538	$30,621	$118,917	$16,972,142
15	174	$149,538	$30,408	$119,130	$16,853,012
15	175	$149,538	$30,195	$119,343	$16,733,669
15	176	$149,538	$29,981	$119,557	$16,614,111
15	177	$149,538	$29,767	$119,771	$16,494,340
15	178	$149,538	$29,552	$119,986	$16,374,354
15	179	$149,538	$29,337	$120,201	$16,254,153
15	180	$149,538	$29,122	$120,416	$16,133,737
16	181	$149,538	$28,906	$120,632	$16,013,104
16	182	$149,538	$28,690	$120,848	$15,892,256
16	183	$149,538	$28,474	$121,065	$15,771,191
16	184	$149,538	$28,257	$121,282	$15,649,910
16	185	$149,538	$28,039	$121,499	$15,528,411
16	186	$149,538	$27,822	$121,717	$15,406,694
16	187	$149,538	$27,604	$121,935	$15,284,759
16	188	$149,538	$27,385	$122,153	$15,162,606
16	189	$149,538	$27,166	$122,372	$15,040,234
16	190	$149,538	$26,947	$122,591	$14,917,643
16	191	$149,538	$26,727	$122,811	$14,794,832
16	192	$149,538	$26,507	$123,031	$14,671,801
17	193	$149,538	$26,287	$123,251	$14,548,549
17	194	$149,538	$26,066	$123,472	$14,425,077
17	195	$149,538	$25,845	$123,693	$14,301,384
17	196	$149,538	$25,623	$123,915	$14,177,469
17	197	$149,538	$25,401	$124,137	$14,053,332
17	198	$149,538	$25,179	$124,360	$13,928,972
17	199	$149,538	$24,956	$124,582	$13,804,390
17	200	$149,538	$24,733	$124,806	$13,679,584
17	201	$149,538	$24,509	$125,029	$13,554,555
17	202	$149,538	$24,285	$125,253	$13,429,302
17	203	$149,538	$24,061	$125,478	$13,303,824
17	204	$149,538	$23,836	$125,702	$13,178,122
18	205	$149,538	$23,611	$125,928	$13,052,194
18	206	$149,538	$23,385	$126,153	$12,926,041
18	207	$149,538	$23,159	$126,379	$12,799,662
18	208	$149,538	$22,933	$126,606	$12,673,056
18	209	$149,538	$22,706	$126,833	$12,546,224
18	210	$149,538	$22,479	$127,060	$12,419,164
18	211	$149,538	$22,251	$127,287	$12,291,877
18	212	$149,538	$22,023	$127,515	$12,164,361
18	213	$149,538	$21,794	$127,744	$12,036,617
18	214	$149,538	$21,566	$127,973	$11,908,644
18	215	$149,538	$21,336	$128,202	$11,780,442
18	216	$149,538	$21,107	$128,432	$11,652,011
19	217	$149,538	$20,877	$128,662	$11,523,349
19	218	$149,538	$20,646	$128,892	$11,394,456
19	219	$149,538	$20,415	$129,123	$11,265,333
19	220	$149,538	$20,184	$129,355	$11,135,978
19	221	$149,538	$19,952	$129,586	$11,006,392
19	222	$149,538	$19,720	$129,819	$10,876,573
19	223	$149,538	$19,487	$130,051	$10,746,522
19	224	$149,538	$19,254	$130,284	$10,616,238
19	225	$149,538	$19,021	$130,518	$10,485,720
19	226	$149,538	$18,787	$130,751	$10,354,969
19	227	$149,538	$18,553	$130,986	$10,223,983
19	228	$149,538	$18,318	$131,220	$10,092,763
20	229	$149,538	$18,083	$131,456	$9,961,307
20	230	$149,538	$17,847	$131,691	$9,829,616
20	231	$149,538	$17,611	$131,927	$9,697,689
20	232	$149,538	$17,375	$132,163	$9,565,526
20	233	$149,538	$17,138	$132,400	$9,433,126
20	234	$149,538	$16,901	$132,637	$9,300,488
20	235	$149,538	$16,663	$132,875	$9,167,613
20	236	$149,538	$16,425	$133,113	$9,034,500
20	237	$149,538	$16,187	$133,352	$8,901,148
20	238	$149,538	$15,948	$133,591	$8,767,558
20	239	$149,538	$15,709	$133,830	$8,633,728
20	240	$149,538	$15,469	$134,070	$8,499,659
21	241	$149,538	$15,229	$134,310	$8,365,349
21	242	$149,538	$14,988	$134,550	$8,230,798
21	243	$149,538	$14,747	$134,792	$8,096,007
21	244	$149,538	$14,505	$135,033	$7,960,974
21	245	$149,538	$14,263	$135,275	$7,825,699
21	246	$149,538	$14,021	$135,517	$7,690,181
21	247	$149,538	$13,778	$135,760	$7,554,421
21	248	$149,538	$13,535	$136,003	$7,418,418
21	249	$149,538	$13,291	$136,247	$7,282,171
21	250	$149,538	$13,047	$136,491	$7,145,679
21	251	$149,538	$12,803	$136,736	$7,008,944
21	252	$149,538	$12,558	$136,981	$6,871,963
22	253	$149,538	$12,312	$137,226	$6,734,737
22	254	$149,538	$12,066	$137,472	$6,597,265
22	255	$149,538	$11,820	$137,718	$6,459,547
22	256	$149,538	$11,573	$137,965	$6,321,582
22	257	$149,538	$11,326	$138,212	$6,183,369
22	258	$149,538	$11,079	$138,460	$6,044,910
22	259	$149,538	$10,830	$138,708	$5,906,202
22	260	$149,538	$10,582	$138,956	$5,767,245
22	261	$149,538	$10,333	$139,205	$5,628,040
22	262	$149,538	$10,084	$139,455	$5,488,585
22	263	$149,538	$9,834	$139,705	$5,348,880
22	264	$149,538	$9,583	$139,955	$5,208,925
23	265	$149,538	$9,333	$140,206	$5,068,720
23	266	$149,538	$9,081	$140,457	$4,928,263
23	267	$149,538	$8,830	$140,709	$4,787,554
23	268	$149,538	$8,578	$140,961	$4,646,593
23	269	$149,538	$8,325	$141,213	$4,505,380
23	270	$149,538	$8,072	$141,466	$4,363,914
23	271	$149,538	$7,819	$141,720	$4,222,194
23	272	$149,538	$7,565	$141,974	$4,080,220
23	273	$149,538	$7,310	$142,228	$3,937,992
23	274	$149,538	$7,056	$142,483	$3,795,510
23	275	$149,538	$6,800	$142,738	$3,652,772
23	276	$149,538	$6,545	$142,994	$3,509,778
24	277	$149,538	$6,288	$143,250	$3,366,528
24	278	$149,538	$6,032	$143,507	$3,223,021
24	279	$149,538	$5,775	$143,764	$3,079,257
24	280	$149,538	$5,517	$144,021	$2,935,236
24	281	$149,538	$5,259	$144,279	$2,790,956
24	282	$149,538	$5,000	$144,538	$2,646,418
24	283	$149,538	$4,741	$144,797	$2,501,621
24	284	$149,538	$4,482	$145,056	$2,356,565
24	285	$149,538	$4,222	$145,316	$2,211,249
24	286	$149,538	$3,962	$145,577	$2,065,672
24	287	$149,538	$3,701	$145,837	$1,919,835
24	288	$149,538	$3,440	$146,099	$1,773,736
25	289	$149,538	$3,178	$146,360	$1,627,376
25	290	$149,538	$2,916	$146,623	$1,480,753
25	291	$149,538	$2,653	$146,885	$1,333,868
25	292	$149,538	$2,390	$147,149	$1,186,719
25	293	$149,538	$2,126	$147,412	$1,039,307
25	294	$149,538	$1,862	$147,676	$891,631
25	295	$149,538	$1,598	$147,941	$743,690
25	296	$149,538	$1,332	$148,206	$595,484
25	297	$149,538	$1,067	$148,471	$447,012
25	298	$149,538	$801	$148,737	$298,275
25	299	$149,538	$534	$149,004	$149,271
25	300	$149,538	$267	$149,271	$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$ 23,120,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 23,698,000

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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.