Century 21 Centaland Property

Down Payment (HKD)

$20,400,000

Monthly Repayment (HKD)

$131,946

Loan Amount (HKD)

$30,600,000

Total Interest (HKD)

$8,983,692

Total Repayment (HKD)

$39,583,692

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$131,946	$54,825	$77,121	$30,522,879
1	2	$131,946	$54,687	$77,259	$30,445,621
1	3	$131,946	$54,548	$77,397	$30,368,223
1	4	$131,946	$54,410	$77,536	$30,290,687
1	5	$131,946	$54,271	$77,675	$30,213,013
1	6	$131,946	$54,132	$77,814	$30,135,199
1	7	$131,946	$53,992	$77,953	$30,057,245
1	8	$131,946	$53,853	$78,093	$29,979,152
1	9	$131,946	$53,713	$78,233	$29,900,919
1	10	$131,946	$53,572	$78,373	$29,822,546
1	11	$131,946	$53,432	$78,514	$29,744,032
1	12	$131,946	$53,291	$78,654	$29,665,378
2	13	$131,946	$53,150	$78,795	$29,586,583
2	14	$131,946	$53,009	$78,936	$29,507,647
2	15	$131,946	$52,868	$79,078	$29,428,569
2	16	$131,946	$52,726	$79,219	$29,349,349
2	17	$131,946	$52,584	$79,361	$29,269,988
2	18	$131,946	$52,442	$79,504	$29,190,484
2	19	$131,946	$52,300	$79,646	$29,110,838
2	20	$131,946	$52,157	$79,789	$29,031,050
2	21	$131,946	$52,014	$79,932	$28,951,118
2	22	$131,946	$51,871	$80,075	$28,871,043
2	23	$131,946	$51,727	$80,218	$28,790,825
2	24	$131,946	$51,584	$80,362	$28,710,463
3	25	$131,946	$51,440	$80,506	$28,629,957
3	26	$131,946	$51,295	$80,650	$28,549,306
3	27	$131,946	$51,151	$80,795	$28,468,511
3	28	$131,946	$51,006	$80,940	$28,387,572
3	29	$131,946	$50,861	$81,085	$28,306,487
3	30	$131,946	$50,716	$81,230	$28,225,257
3	31	$131,946	$50,570	$81,375	$28,143,882
3	32	$131,946	$50,424	$81,521	$28,062,361
3	33	$131,946	$50,278	$81,667	$27,980,694
3	34	$131,946	$50,132	$81,814	$27,898,880
3	35	$131,946	$49,985	$81,960	$27,816,920
3	36	$131,946	$49,839	$82,107	$27,734,813
4	37	$131,946	$49,692	$82,254	$27,652,559
4	38	$131,946	$49,544	$82,401	$27,570,157
4	39	$131,946	$49,397	$82,549	$27,487,608
4	40	$131,946	$49,249	$82,697	$27,404,911
4	41	$131,946	$49,100	$82,845	$27,322,066
4	42	$131,946	$48,952	$82,994	$27,239,072
4	43	$131,946	$48,803	$83,142	$27,155,930
4	44	$131,946	$48,654	$83,291	$27,072,639
4	45	$131,946	$48,505	$83,440	$26,989,198
4	46	$131,946	$48,356	$83,590	$26,905,608
4	47	$131,946	$48,206	$83,740	$26,821,869
4	48	$131,946	$48,056	$83,890	$26,737,979
5	49	$131,946	$47,906	$84,040	$26,653,939
5	50	$131,946	$47,755	$84,191	$26,569,748
5	51	$131,946	$47,604	$84,342	$26,485,407
5	52	$131,946	$47,453	$84,493	$26,400,914
5	53	$131,946	$47,302	$84,644	$26,316,270
5	54	$131,946	$47,150	$84,796	$26,231,474
5	55	$131,946	$46,998	$84,948	$26,146,527
5	56	$131,946	$46,846	$85,100	$26,061,427
5	57	$131,946	$46,693	$85,252	$25,976,175
5	58	$131,946	$46,541	$85,405	$25,890,770
5	59	$131,946	$46,388	$85,558	$25,805,212
5	60	$131,946	$46,234	$85,711	$25,719,500
6	61	$131,946	$46,081	$85,865	$25,633,636
6	62	$131,946	$45,927	$86,019	$25,547,617
6	63	$131,946	$45,773	$86,173	$25,461,444
6	64	$131,946	$45,618	$86,327	$25,375,117
6	65	$131,946	$45,464	$86,482	$25,288,635
6	66	$131,946	$45,309	$86,637	$25,201,998
6	67	$131,946	$45,154	$86,792	$25,115,206
6	68	$131,946	$44,998	$86,948	$25,028,258
6	69	$131,946	$44,842	$87,103	$24,941,155
6	70	$131,946	$44,686	$87,259	$24,853,896
6	71	$131,946	$44,530	$87,416	$24,766,480
6	72	$131,946	$44,373	$87,572	$24,678,908
7	73	$131,946	$44,216	$87,729	$24,591,178
7	74	$131,946	$44,059	$87,886	$24,503,292
7	75	$131,946	$43,902	$88,044	$24,415,248
7	76	$131,946	$43,744	$88,202	$24,327,046
7	77	$131,946	$43,586	$88,360	$24,238,687
7	78	$131,946	$43,428	$88,518	$24,150,169
7	79	$131,946	$43,269	$88,677	$24,061,492
7	80	$131,946	$43,110	$88,835	$23,972,657
7	81	$131,946	$42,951	$88,995	$23,883,662
7	82	$131,946	$42,792	$89,154	$23,794,508
7	83	$131,946	$42,632	$89,314	$23,705,194
7	84	$131,946	$42,472	$89,474	$23,615,720
8	85	$131,946	$42,311	$89,634	$23,526,086
8	86	$131,946	$42,151	$89,795	$23,436,291
8	87	$131,946	$41,990	$89,956	$23,346,336
8	88	$131,946	$41,829	$90,117	$23,256,219
8	89	$131,946	$41,667	$90,278	$23,165,941
8	90	$131,946	$41,506	$90,440	$23,075,501
8	91	$131,946	$41,344	$90,602	$22,984,899
8	92	$131,946	$41,181	$90,764	$22,894,134
8	93	$131,946	$41,019	$90,927	$22,803,207
8	94	$131,946	$40,856	$91,090	$22,712,117
8	95	$131,946	$40,693	$91,253	$22,620,864
8	96	$131,946	$40,529	$91,417	$22,529,448
9	97	$131,946	$40,365	$91,580	$22,437,867
9	98	$131,946	$40,201	$91,744	$22,346,123
9	99	$131,946	$40,037	$91,909	$22,254,214
9	100	$131,946	$39,872	$92,074	$22,162,140
9	101	$131,946	$39,707	$92,238	$22,069,902
9	102	$131,946	$39,542	$92,404	$21,977,498
9	103	$131,946	$39,376	$92,569	$21,884,929
9	104	$131,946	$39,210	$92,735	$21,792,194
9	105	$131,946	$39,044	$92,901	$21,699,293
9	106	$131,946	$38,878	$93,068	$21,606,225
9	107	$131,946	$38,711	$93,234	$21,512,990
9	108	$131,946	$38,544	$93,402	$21,419,589
10	109	$131,946	$38,377	$93,569	$21,326,020
10	110	$131,946	$38,209	$93,737	$21,232,283
10	111	$131,946	$38,041	$93,904	$21,138,379
10	112	$131,946	$37,873	$94,073	$21,044,306
10	113	$131,946	$37,704	$94,241	$20,950,065
10	114	$131,946	$37,536	$94,410	$20,855,655
10	115	$131,946	$37,366	$94,579	$20,761,076
10	116	$131,946	$37,197	$94,749	$20,666,327
10	117	$131,946	$37,027	$94,918	$20,571,408
10	118	$131,946	$36,857	$95,089	$20,476,320
10	119	$131,946	$36,687	$95,259	$20,381,061
10	120	$131,946	$36,516	$95,430	$20,285,631
11	121	$131,946	$36,345	$95,601	$20,190,031
11	122	$131,946	$36,174	$95,772	$20,094,259
11	123	$131,946	$36,002	$95,943	$19,998,316
11	124	$131,946	$35,830	$96,115	$19,902,200
11	125	$131,946	$35,658	$96,288	$19,805,913
11	126	$131,946	$35,486	$96,460	$19,709,453
11	127	$131,946	$35,313	$96,633	$19,612,820
11	128	$131,946	$35,140	$96,806	$19,516,014
11	129	$131,946	$34,966	$96,979	$19,419,034
11	130	$131,946	$34,792	$97,153	$19,321,881
11	131	$131,946	$34,618	$97,327	$19,224,554
11	132	$131,946	$34,444	$97,502	$19,127,052
12	133	$131,946	$34,269	$97,676	$19,029,376
12	134	$131,946	$34,094	$97,851	$18,931,525
12	135	$131,946	$33,919	$98,027	$18,833,498
12	136	$131,946	$33,743	$98,202	$18,735,296
12	137	$131,946	$33,567	$98,378	$18,636,917
12	138	$131,946	$33,391	$98,554	$18,538,363
12	139	$131,946	$33,215	$98,731	$18,439,632
12	140	$131,946	$33,038	$98,908	$18,340,724
12	141	$131,946	$32,860	$99,085	$18,241,639
12	142	$131,946	$32,683	$99,263	$18,142,376
12	143	$131,946	$32,505	$99,441	$18,042,935
12	144	$131,946	$32,327	$99,619	$17,943,317
13	145	$131,946	$32,148	$99,797	$17,843,519
13	146	$131,946	$31,970	$99,976	$17,743,543
13	147	$131,946	$31,791	$100,155	$17,643,388
13	148	$131,946	$31,611	$100,335	$17,543,054
13	149	$131,946	$31,431	$100,514	$17,442,539
13	150	$131,946	$31,251	$100,694	$17,341,845
13	151	$131,946	$31,071	$100,875	$17,240,970
13	152	$131,946	$30,890	$101,056	$17,139,915
13	153	$131,946	$30,709	$101,237	$17,038,678
13	154	$131,946	$30,528	$101,418	$16,937,260
13	155	$131,946	$30,346	$101,600	$16,835,660
13	156	$131,946	$30,164	$101,782	$16,733,878
14	157	$131,946	$29,982	$101,964	$16,631,914
14	158	$131,946	$29,799	$102,147	$16,529,768
14	159	$131,946	$29,616	$102,330	$16,427,438
14	160	$131,946	$29,432	$102,513	$16,324,925
14	161	$131,946	$29,249	$102,697	$16,222,228
14	162	$131,946	$29,065	$102,881	$16,119,347
14	163	$131,946	$28,880	$103,065	$16,016,282
14	164	$131,946	$28,696	$103,250	$15,913,032
14	165	$131,946	$28,511	$103,435	$15,809,597
14	166	$131,946	$28,326	$103,620	$15,705,977
14	167	$131,946	$28,140	$103,806	$15,602,171
14	168	$131,946	$27,954	$103,992	$15,498,180
15	169	$131,946	$27,768	$104,178	$15,394,002
15	170	$131,946	$27,581	$104,365	$15,289,637
15	171	$131,946	$27,394	$104,552	$15,185,085
15	172	$131,946	$27,207	$104,739	$15,080,346
15	173	$131,946	$27,019	$104,927	$14,975,419
15	174	$131,946	$26,831	$105,115	$14,870,305
15	175	$131,946	$26,643	$105,303	$14,765,002
15	176	$131,946	$26,454	$105,492	$14,659,510
15	177	$131,946	$26,265	$105,681	$14,553,829
15	178	$131,946	$26,076	$105,870	$14,447,959
15	179	$131,946	$25,886	$106,060	$14,341,900
15	180	$131,946	$25,696	$106,250	$14,235,650
16	181	$131,946	$25,506	$106,440	$14,129,210
16	182	$131,946	$25,315	$106,631	$14,022,579
16	183	$131,946	$25,124	$106,822	$13,915,757
16	184	$131,946	$24,932	$107,013	$13,808,744
16	185	$131,946	$24,741	$107,205	$13,701,539
16	186	$131,946	$24,549	$107,397	$13,594,142
16	187	$131,946	$24,356	$107,589	$13,486,552
16	188	$131,946	$24,163	$107,782	$13,378,770
16	189	$131,946	$23,970	$107,975	$13,270,795
16	190	$131,946	$23,777	$108,169	$13,162,626
16	191	$131,946	$23,583	$108,363	$13,054,263
16	192	$131,946	$23,389	$108,557	$12,945,707
17	193	$131,946	$23,194	$108,751	$12,836,955
17	194	$131,946	$23,000	$108,946	$12,728,009
17	195	$131,946	$22,804	$109,141	$12,618,868
17	196	$131,946	$22,609	$109,337	$12,509,531
17	197	$131,946	$22,413	$109,533	$12,399,998
17	198	$131,946	$22,217	$109,729	$12,290,269
17	199	$131,946	$22,020	$109,926	$12,180,344
17	200	$131,946	$21,823	$110,123	$12,070,221
17	201	$131,946	$21,626	$110,320	$11,959,902
17	202	$131,946	$21,428	$110,517	$11,849,384
17	203	$131,946	$21,230	$110,715	$11,738,669
17	204	$131,946	$21,032	$110,914	$11,627,755
18	205	$131,946	$20,833	$111,113	$11,516,642
18	206	$131,946	$20,634	$111,312	$11,405,330
18	207	$131,946	$20,435	$111,511	$11,293,819
18	208	$131,946	$20,235	$111,711	$11,182,108
18	209	$131,946	$20,035	$111,911	$11,070,197
18	210	$131,946	$19,834	$112,112	$10,958,086
18	211	$131,946	$19,633	$112,312	$10,845,773
18	212	$131,946	$19,432	$112,514	$10,733,260
18	213	$131,946	$19,230	$112,715	$10,620,545
18	214	$131,946	$19,028	$112,917	$10,507,627
18	215	$131,946	$18,826	$113,119	$10,394,508
18	216	$131,946	$18,623	$113,322	$10,281,186
19	217	$131,946	$18,420	$113,525	$10,167,661
19	218	$131,946	$18,217	$113,729	$10,053,932
19	219	$131,946	$18,013	$113,932	$9,940,000
19	220	$131,946	$17,809	$114,136	$9,825,863
19	221	$131,946	$17,605	$114,341	$9,711,522
19	222	$131,946	$17,400	$114,546	$9,596,976
19	223	$131,946	$17,195	$114,751	$9,482,225
19	224	$131,946	$16,989	$114,957	$9,367,269
19	225	$131,946	$16,783	$115,163	$9,252,106
19	226	$131,946	$16,577	$115,369	$9,136,737
19	227	$131,946	$16,370	$115,576	$9,021,162
19	228	$131,946	$16,163	$115,783	$8,905,379
20	229	$131,946	$15,955	$115,990	$8,789,389
20	230	$131,946	$15,748	$116,198	$8,673,191
20	231	$131,946	$15,539	$116,406	$8,556,784
20	232	$131,946	$15,331	$116,615	$8,440,170
20	233	$131,946	$15,122	$116,824	$8,323,346
20	234	$131,946	$14,913	$117,033	$8,206,313
20	235	$131,946	$14,703	$117,243	$8,089,070
20	236	$131,946	$14,493	$117,453	$7,971,618
20	237	$131,946	$14,282	$117,663	$7,853,955
20	238	$131,946	$14,072	$117,874	$7,736,081
20	239	$131,946	$13,860	$118,085	$7,617,995
20	240	$131,946	$13,649	$118,297	$7,499,699
21	241	$131,946	$13,437	$118,509	$7,381,190
21	242	$131,946	$13,225	$118,721	$7,262,469
21	243	$131,946	$13,012	$118,934	$7,143,535
21	244	$131,946	$12,799	$119,147	$7,024,388
21	245	$131,946	$12,585	$119,360	$6,905,028
21	246	$131,946	$12,372	$119,574	$6,785,454
21	247	$131,946	$12,157	$119,788	$6,665,666
21	248	$131,946	$11,943	$120,003	$6,545,663
21	249	$131,946	$11,728	$120,218	$6,425,445
21	250	$131,946	$11,512	$120,433	$6,305,011
21	251	$131,946	$11,296	$120,649	$6,184,362
21	252	$131,946	$11,080	$120,865	$6,063,497
22	253	$131,946	$10,864	$121,082	$5,942,415
22	254	$131,946	$10,647	$121,299	$5,821,116
22	255	$131,946	$10,429	$121,516	$5,699,600
22	256	$131,946	$10,212	$121,734	$5,577,866
22	257	$131,946	$9,994	$121,952	$5,455,914
22	258	$131,946	$9,775	$122,170	$5,333,744
22	259	$131,946	$9,556	$122,389	$5,211,354
22	260	$131,946	$9,337	$122,609	$5,088,746
22	261	$131,946	$9,117	$122,828	$4,965,917
22	262	$131,946	$8,897	$123,048	$4,842,869
22	263	$131,946	$8,677	$123,269	$4,719,600
22	264	$131,946	$8,456	$123,490	$4,596,111
23	265	$131,946	$8,235	$123,711	$4,472,400
23	266	$131,946	$8,013	$123,933	$4,348,467
23	267	$131,946	$7,791	$124,155	$4,224,312
23	268	$131,946	$7,569	$124,377	$4,099,935
23	269	$131,946	$7,346	$124,600	$3,975,335
23	270	$131,946	$7,122	$124,823	$3,850,512
23	271	$131,946	$6,899	$125,047	$3,725,465
23	272	$131,946	$6,675	$125,271	$3,600,195
23	273	$131,946	$6,450	$125,495	$3,474,699
23	274	$131,946	$6,226	$125,720	$3,348,979
23	275	$131,946	$6,000	$125,945	$3,223,034
23	276	$131,946	$5,775	$126,171	$3,096,863
24	277	$131,946	$5,549	$126,397	$2,970,466
24	278	$131,946	$5,322	$126,624	$2,843,842
24	279	$131,946	$5,095	$126,850	$2,716,992
24	280	$131,946	$4,868	$127,078	$2,589,914
24	281	$131,946	$4,640	$127,305	$2,462,609
24	282	$131,946	$4,412	$127,533	$2,335,075
24	283	$131,946	$4,184	$127,762	$2,207,313
24	284	$131,946	$3,955	$127,991	$2,079,322
24	285	$131,946	$3,725	$128,220	$1,951,102
24	286	$131,946	$3,496	$128,450	$1,822,652
24	287	$131,946	$3,266	$128,680	$1,693,972
24	288	$131,946	$3,035	$128,911	$1,565,061
25	289	$131,946	$2,804	$129,142	$1,435,920
25	290	$131,946	$2,573	$129,373	$1,306,547
25	291	$131,946	$2,341	$129,605	$1,176,942
25	292	$131,946	$2,109	$129,837	$1,047,105
25	293	$131,946	$1,876	$130,070	$917,036
25	294	$131,946	$1,643	$130,303	$786,733
25	295	$131,946	$1,410	$130,536	$656,197
25	296	$131,946	$1,176	$130,770	$525,427
25	297	$131,946	$941	$131,004	$394,423
25	298	$131,946	$707	$131,239	$263,184
25	299	$131,946	$472	$131,474	$131,710
25	300	$131,946	$236	$131,710	$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$ 20,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 20,910,000

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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.