Century 21 Centaland Property

Down Payment (HKD)

$89,072,000

Monthly Repayment (HKD)

$576,111

Loan Amount (HKD)

$133,608,000

Total Interest (HKD)

$39,225,267

Total Repayment (HKD)

$172,833,267

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$576,111	$239,381	$336,730	$133,271,270
1	2	$576,111	$238,778	$337,333	$132,933,937
1	3	$576,111	$238,173	$337,938	$132,595,999
1	4	$576,111	$237,568	$338,543	$132,257,456
1	5	$576,111	$236,961	$339,150	$131,918,307
1	6	$576,111	$236,354	$339,757	$131,578,549
1	7	$576,111	$235,745	$340,366	$131,238,183
1	8	$576,111	$235,135	$340,976	$130,897,208
1	9	$576,111	$234,524	$341,587	$130,555,621
1	10	$576,111	$233,912	$342,199	$130,213,422
1	11	$576,111	$233,299	$342,812	$129,870,610
1	12	$576,111	$232,685	$343,426	$129,527,184
2	13	$576,111	$232,070	$344,041	$129,183,143
2	14	$576,111	$231,453	$344,658	$128,838,485
2	15	$576,111	$230,836	$345,275	$128,493,210
2	16	$576,111	$230,217	$345,894	$128,147,316
2	17	$576,111	$229,597	$346,514	$127,800,802
2	18	$576,111	$228,976	$347,134	$127,453,668
2	19	$576,111	$228,354	$347,756	$127,105,912
2	20	$576,111	$227,731	$348,379	$126,757,532
2	21	$576,111	$227,107	$349,004	$126,408,528
2	22	$576,111	$226,482	$349,629	$126,058,899
2	23	$576,111	$225,856	$350,255	$125,708,644
2	24	$576,111	$225,228	$350,883	$125,357,761
3	25	$576,111	$224,599	$351,512	$125,006,250
3	26	$576,111	$223,970	$352,141	$124,654,108
3	27	$576,111	$223,339	$352,772	$124,301,336
3	28	$576,111	$222,707	$353,404	$123,947,932
3	29	$576,111	$222,073	$354,038	$123,593,894
3	30	$576,111	$221,439	$354,672	$123,239,222
3	31	$576,111	$220,804	$355,307	$122,883,915
3	32	$576,111	$220,167	$355,944	$122,527,971
3	33	$576,111	$219,529	$356,582	$122,171,390
3	34	$576,111	$218,890	$357,220	$121,814,169
3	35	$576,111	$218,250	$357,861	$121,456,309
3	36	$576,111	$217,609	$358,502	$121,097,807
4	37	$576,111	$216,967	$359,144	$120,738,663
4	38	$576,111	$216,323	$359,787	$120,378,875
4	39	$576,111	$215,679	$360,432	$120,018,443
4	40	$576,111	$215,033	$361,078	$119,657,366
4	41	$576,111	$214,386	$361,725	$119,295,641
4	42	$576,111	$213,738	$362,373	$118,933,268
4	43	$576,111	$213,089	$363,022	$118,570,246
4	44	$576,111	$212,438	$363,673	$118,206,573
4	45	$576,111	$211,787	$364,324	$117,842,249
4	46	$576,111	$211,134	$364,977	$117,477,272
4	47	$576,111	$210,480	$365,631	$117,111,641
4	48	$576,111	$209,825	$366,286	$116,745,356
5	49	$576,111	$209,169	$366,942	$116,378,413
5	50	$576,111	$208,511	$367,600	$116,010,814
5	51	$576,111	$207,853	$368,258	$115,642,556
5	52	$576,111	$207,193	$368,918	$115,273,638
5	53	$576,111	$206,532	$369,579	$114,904,059
5	54	$576,111	$205,870	$370,241	$114,533,818
5	55	$576,111	$205,206	$370,904	$114,162,913
5	56	$576,111	$204,542	$371,569	$113,791,344
5	57	$576,111	$203,876	$372,235	$113,419,109
5	58	$576,111	$203,209	$372,902	$113,046,208
5	59	$576,111	$202,541	$373,570	$112,672,638
5	60	$576,111	$201,872	$374,239	$112,298,399
6	61	$576,111	$201,201	$374,910	$111,923,489
6	62	$576,111	$200,530	$375,581	$111,547,908
6	63	$576,111	$199,857	$376,254	$111,171,654
6	64	$576,111	$199,183	$376,928	$110,794,726
6	65	$576,111	$198,507	$377,604	$110,417,122
6	66	$576,111	$197,831	$378,280	$110,038,842
6	67	$576,111	$197,153	$378,958	$109,659,884
6	68	$576,111	$196,474	$379,637	$109,280,247
6	69	$576,111	$195,794	$380,317	$108,899,930
6	70	$576,111	$195,112	$380,999	$108,518,931
6	71	$576,111	$194,430	$381,681	$108,137,250
6	72	$576,111	$193,746	$382,365	$107,754,885
7	73	$576,111	$193,061	$383,050	$107,371,835
7	74	$576,111	$192,375	$383,736	$106,988,099
7	75	$576,111	$191,687	$384,424	$106,603,675
7	76	$576,111	$190,998	$385,113	$106,218,562
7	77	$576,111	$190,308	$385,803	$105,832,759
7	78	$576,111	$189,617	$386,494	$105,446,266
7	79	$576,111	$188,925	$387,186	$105,059,079
7	80	$576,111	$188,231	$387,880	$104,671,199
7	81	$576,111	$187,536	$388,575	$104,282,624
7	82	$576,111	$186,840	$389,271	$103,893,353
7	83	$576,111	$186,142	$389,969	$103,503,384
7	84	$576,111	$185,444	$390,667	$103,112,717
8	85	$576,111	$184,744	$391,367	$102,721,350
8	86	$576,111	$184,042	$392,068	$102,329,281
8	87	$576,111	$183,340	$392,771	$101,936,510
8	88	$576,111	$182,636	$393,475	$101,543,036
8	89	$576,111	$181,931	$394,180	$101,148,856
8	90	$576,111	$181,225	$394,886	$100,753,970
8	91	$576,111	$180,518	$395,593	$100,358,377
8	92	$576,111	$179,809	$396,302	$99,962,075
8	93	$576,111	$179,099	$397,012	$99,565,063
8	94	$576,111	$178,387	$397,723	$99,167,339
8	95	$576,111	$177,675	$398,436	$98,768,903
8	96	$576,111	$176,961	$399,150	$98,369,753
9	97	$576,111	$176,246	$399,865	$97,969,888
9	98	$576,111	$175,529	$400,582	$97,569,307
9	99	$576,111	$174,812	$401,299	$97,168,007
9	100	$576,111	$174,093	$402,018	$96,765,989
9	101	$576,111	$173,372	$402,738	$96,363,251
9	102	$576,111	$172,651	$403,460	$95,959,791
9	103	$576,111	$171,928	$404,183	$95,555,608
9	104	$576,111	$171,204	$404,907	$95,150,701
9	105	$576,111	$170,478	$405,633	$94,745,068
9	106	$576,111	$169,752	$406,359	$94,338,709
9	107	$576,111	$169,024	$407,087	$93,931,621
9	108	$576,111	$168,294	$407,817	$93,523,805
10	109	$576,111	$167,563	$408,547	$93,115,257
10	110	$576,111	$166,832	$409,279	$92,705,978
10	111	$576,111	$166,098	$410,013	$92,295,965
10	112	$576,111	$165,364	$410,747	$91,885,218
10	113	$576,111	$164,628	$411,483	$91,473,735
10	114	$576,111	$163,890	$412,220	$91,061,514
10	115	$576,111	$163,152	$412,959	$90,648,555
10	116	$576,111	$162,412	$413,699	$90,234,856
10	117	$576,111	$161,671	$414,440	$89,820,416
10	118	$576,111	$160,928	$415,183	$89,405,233
10	119	$576,111	$160,184	$415,927	$88,989,307
10	120	$576,111	$159,439	$416,672	$88,572,635
11	121	$576,111	$158,693	$417,418	$88,155,217
11	122	$576,111	$157,945	$418,166	$87,737,051
11	123	$576,111	$157,196	$418,915	$87,318,136
11	124	$576,111	$156,445	$419,666	$86,898,470
11	125	$576,111	$155,693	$420,418	$86,478,052
11	126	$576,111	$154,940	$421,171	$86,056,881
11	127	$576,111	$154,185	$421,926	$85,634,955
11	128	$576,111	$153,429	$422,682	$85,212,274
11	129	$576,111	$152,672	$423,439	$84,788,835
11	130	$576,111	$151,913	$424,198	$84,364,637
11	131	$576,111	$151,153	$424,958	$83,939,679
11	132	$576,111	$150,392	$425,719	$83,513,961
12	133	$576,111	$149,629	$426,482	$83,087,479
12	134	$576,111	$148,865	$427,246	$82,660,233
12	135	$576,111	$148,100	$428,011	$82,232,222
12	136	$576,111	$147,333	$428,778	$81,803,444
12	137	$576,111	$146,565	$429,546	$81,373,897
12	138	$576,111	$145,795	$430,316	$80,943,581
12	139	$576,111	$145,024	$431,087	$80,512,494
12	140	$576,111	$144,252	$431,859	$80,080,635
12	141	$576,111	$143,478	$432,633	$79,648,002
12	142	$576,111	$142,703	$433,408	$79,214,594
12	143	$576,111	$141,926	$434,185	$78,780,409
12	144	$576,111	$141,148	$434,963	$78,345,446
13	145	$576,111	$140,369	$435,742	$77,909,704
13	146	$576,111	$139,588	$436,523	$77,473,182
13	147	$576,111	$138,806	$437,305	$77,035,877
13	148	$576,111	$138,023	$438,088	$76,597,788
13	149	$576,111	$137,238	$438,873	$76,158,915
13	150	$576,111	$136,451	$439,660	$75,719,256
13	151	$576,111	$135,664	$440,447	$75,278,809
13	152	$576,111	$134,875	$441,236	$74,837,572
13	153	$576,111	$134,084	$442,027	$74,395,545
13	154	$576,111	$133,292	$442,819	$73,952,726
13	155	$576,111	$132,499	$443,612	$73,509,114
13	156	$576,111	$131,704	$444,407	$73,064,707
14	157	$576,111	$130,908	$445,203	$72,619,504
14	158	$576,111	$130,110	$446,001	$72,173,503
14	159	$576,111	$129,311	$446,800	$71,726,703
14	160	$576,111	$128,510	$447,601	$71,279,102
14	161	$576,111	$127,708	$448,402	$70,830,700
14	162	$576,111	$126,905	$449,206	$70,381,494
14	163	$576,111	$126,100	$450,011	$69,931,483
14	164	$576,111	$125,294	$450,817	$69,480,666
14	165	$576,111	$124,486	$451,625	$69,029,042
14	166	$576,111	$123,677	$452,434	$68,576,608
14	167	$576,111	$122,866	$453,244	$68,123,363
14	168	$576,111	$122,054	$454,057	$67,669,307
15	169	$576,111	$121,241	$454,870	$67,214,437
15	170	$576,111	$120,426	$455,685	$66,758,752
15	171	$576,111	$119,609	$456,501	$66,302,250
15	172	$576,111	$118,792	$457,319	$65,844,931
15	173	$576,111	$117,972	$458,139	$65,386,792
15	174	$576,111	$117,151	$458,960	$64,927,832
15	175	$576,111	$116,329	$459,782	$64,468,051
15	176	$576,111	$115,505	$460,606	$64,007,445
15	177	$576,111	$114,680	$461,431	$63,546,014
15	178	$576,111	$113,853	$462,258	$63,083,756
15	179	$576,111	$113,025	$463,086	$62,620,671
15	180	$576,111	$112,195	$463,916	$62,156,755
16	181	$576,111	$111,364	$464,747	$61,692,008
16	182	$576,111	$110,532	$465,579	$61,226,429
16	183	$576,111	$109,697	$466,414	$60,760,016
16	184	$576,111	$108,862	$467,249	$60,292,766
16	185	$576,111	$108,025	$468,086	$59,824,680
16	186	$576,111	$107,186	$468,925	$59,355,755
16	187	$576,111	$106,346	$469,765	$58,885,990
16	188	$576,111	$105,504	$470,607	$58,415,383
16	189	$576,111	$104,661	$471,450	$57,943,933
16	190	$576,111	$103,816	$472,295	$57,471,638
16	191	$576,111	$102,970	$473,141	$56,998,497
16	192	$576,111	$102,122	$473,989	$56,524,509
17	193	$576,111	$101,273	$474,838	$56,049,671
17	194	$576,111	$100,422	$475,689	$55,573,982
17	195	$576,111	$99,570	$476,541	$55,097,442
17	196	$576,111	$98,716	$477,395	$54,620,047
17	197	$576,111	$97,861	$478,250	$54,141,797
17	198	$576,111	$97,004	$479,107	$53,662,690
17	199	$576,111	$96,146	$479,965	$53,182,725
17	200	$576,111	$95,286	$480,825	$52,701,900
17	201	$576,111	$94,424	$481,687	$52,220,213
17	202	$576,111	$93,561	$482,550	$51,737,663
17	203	$576,111	$92,697	$483,414	$51,254,249
17	204	$576,111	$91,831	$484,280	$50,769,969
18	205	$576,111	$90,963	$485,148	$50,284,821
18	206	$576,111	$90,094	$486,017	$49,798,804
18	207	$576,111	$89,223	$486,888	$49,311,916
18	208	$576,111	$88,351	$487,760	$48,824,155
18	209	$576,111	$87,477	$488,634	$48,335,521
18	210	$576,111	$86,601	$489,510	$47,846,011
18	211	$576,111	$85,724	$490,387	$47,355,624
18	212	$576,111	$84,845	$491,265	$46,864,359
18	213	$576,111	$83,965	$492,146	$46,372,213
18	214	$576,111	$83,084	$493,027	$45,879,186
18	215	$576,111	$82,200	$493,911	$45,385,275
18	216	$576,111	$81,315	$494,796	$44,890,480
19	217	$576,111	$80,429	$495,682	$44,394,798
19	218	$576,111	$79,541	$496,570	$43,898,227
19	219	$576,111	$78,651	$497,460	$43,400,768
19	220	$576,111	$77,760	$498,351	$42,902,416
19	221	$576,111	$76,867	$499,244	$42,403,172
19	222	$576,111	$75,972	$500,139	$41,903,034
19	223	$576,111	$75,076	$501,035	$41,401,999
19	224	$576,111	$74,179	$501,932	$40,900,067
19	225	$576,111	$73,279	$502,832	$40,397,235
19	226	$576,111	$72,378	$503,733	$39,893,503
19	227	$576,111	$71,476	$504,635	$39,388,868
19	228	$576,111	$70,572	$505,539	$38,883,329
20	229	$576,111	$69,666	$506,445	$38,376,884
20	230	$576,111	$68,759	$507,352	$37,869,531
20	231	$576,111	$67,850	$508,261	$37,361,270
20	232	$576,111	$66,939	$509,172	$36,852,098
20	233	$576,111	$66,027	$510,084	$36,342,014
20	234	$576,111	$65,113	$510,998	$35,831,016
20	235	$576,111	$64,197	$511,914	$35,319,102
20	236	$576,111	$63,280	$512,831	$34,806,271
20	237	$576,111	$62,361	$513,750	$34,292,522
20	238	$576,111	$61,441	$514,670	$33,777,851
20	239	$576,111	$60,519	$515,592	$33,262,259
20	240	$576,111	$59,595	$516,516	$32,745,743
21	241	$576,111	$58,669	$517,441	$32,228,302
21	242	$576,111	$57,742	$518,369	$31,709,933
21	243	$576,111	$56,814	$519,297	$31,190,636
21	244	$576,111	$55,883	$520,228	$30,670,408
21	245	$576,111	$54,951	$521,160	$30,149,249
21	246	$576,111	$54,017	$522,093	$29,627,155
21	247	$576,111	$53,082	$523,029	$29,104,126
21	248	$576,111	$52,145	$523,966	$28,580,160
21	249	$576,111	$51,206	$524,905	$28,055,255
21	250	$576,111	$50,266	$525,845	$27,529,410
21	251	$576,111	$49,324	$526,787	$27,002,623
21	252	$576,111	$48,380	$527,731	$26,474,892
22	253	$576,111	$47,434	$528,677	$25,946,215
22	254	$576,111	$46,487	$529,624	$25,416,591
22	255	$576,111	$45,538	$530,573	$24,886,018
22	256	$576,111	$44,587	$531,523	$24,354,495
22	257	$576,111	$43,635	$532,476	$23,822,019
22	258	$576,111	$42,681	$533,430	$23,288,589
22	259	$576,111	$41,725	$534,386	$22,754,204
22	260	$576,111	$40,768	$535,343	$22,218,861
22	261	$576,111	$39,809	$536,302	$21,682,559
22	262	$576,111	$38,848	$537,263	$21,145,296
22	263	$576,111	$37,885	$538,226	$20,607,070
22	264	$576,111	$36,921	$539,190	$20,067,880
23	265	$576,111	$35,955	$540,156	$19,527,724
23	266	$576,111	$34,987	$541,124	$18,986,601
23	267	$576,111	$34,018	$542,093	$18,444,507
23	268	$576,111	$33,046	$543,064	$17,901,443
23	269	$576,111	$32,073	$544,037	$17,357,405
23	270	$576,111	$31,099	$545,012	$16,812,393
23	271	$576,111	$30,122	$545,989	$16,266,404
23	272	$576,111	$29,144	$546,967	$15,719,438
23	273	$576,111	$28,164	$547,947	$15,171,491
23	274	$576,111	$27,182	$548,929	$14,622,562
23	275	$576,111	$26,199	$549,912	$14,072,650
23	276	$576,111	$25,213	$550,897	$13,521,753
24	277	$576,111	$24,226	$551,884	$12,969,868
24	278	$576,111	$23,238	$552,873	$12,416,995
24	279	$576,111	$22,247	$553,864	$11,863,131
24	280	$576,111	$21,255	$554,856	$11,308,275
24	281	$576,111	$20,261	$555,850	$10,752,425
24	282	$576,111	$19,265	$556,846	$10,195,579
24	283	$576,111	$18,267	$557,844	$9,637,735
24	284	$576,111	$17,268	$558,843	$9,078,892
24	285	$576,111	$16,266	$559,845	$8,519,047
24	286	$576,111	$15,263	$560,848	$7,958,199
24	287	$576,111	$14,258	$561,852	$7,396,347
24	288	$576,111	$13,252	$562,859	$6,833,488
25	289	$576,111	$12,243	$563,868	$6,269,620
25	290	$576,111	$11,233	$564,878	$5,704,742
25	291	$576,111	$10,221	$565,890	$5,138,853
25	292	$576,111	$9,207	$566,904	$4,571,949
25	293	$576,111	$8,191	$567,919	$4,004,029
25	294	$576,111	$7,174	$568,937	$3,435,092
25	295	$576,111	$6,155	$569,956	$2,865,136
25	296	$576,111	$5,133	$570,978	$2,294,158
25	297	$576,111	$4,110	$572,001	$1,722,158
25	298	$576,111	$3,086	$573,025	$1,149,133
25	299	$576,111	$2,059	$574,052	$575,081
25	300	$576,111	$1,030	$575,081	$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$ 89,072,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 91,298,800

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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.