Century 21 Centaland Property

Down Payment (HKD)

$25,600,000

Monthly Repayment (HKD)

$165,579

Loan Amount (HKD)

$38,400,000

Total Interest (HKD)

$11,273,653

Total Repayment (HKD)

$49,673,653

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$165,579	$68,800	$96,779	$38,303,221
1	2	$165,579	$68,627	$96,952	$38,206,269
1	3	$165,579	$68,453	$97,126	$38,109,143
1	4	$165,579	$68,279	$97,300	$38,011,843
1	5	$165,579	$68,105	$97,474	$37,914,369
1	6	$165,579	$67,930	$97,649	$37,816,720
1	7	$165,579	$67,755	$97,824	$37,718,896
1	8	$165,579	$67,580	$97,999	$37,620,897
1	9	$165,579	$67,404	$98,175	$37,522,722
1	10	$165,579	$67,228	$98,351	$37,424,371
1	11	$165,579	$67,052	$98,527	$37,325,845
1	12	$165,579	$66,875	$98,703	$37,227,141
2	13	$165,579	$66,699	$98,880	$37,128,261
2	14	$165,579	$66,521	$99,057	$37,029,204
2	15	$165,579	$66,344	$99,235	$36,929,969
2	16	$165,579	$66,166	$99,413	$36,830,556
2	17	$165,579	$65,988	$99,591	$36,730,965
2	18	$165,579	$65,810	$99,769	$36,631,196
2	19	$165,579	$65,631	$99,948	$36,531,248
2	20	$165,579	$65,452	$100,127	$36,431,121
2	21	$165,579	$65,272	$100,306	$36,330,815
2	22	$165,579	$65,093	$100,486	$36,230,329
2	23	$165,579	$64,913	$100,666	$36,129,662
2	24	$165,579	$64,732	$100,847	$36,028,816
3	25	$165,579	$64,552	$101,027	$35,927,789
3	26	$165,579	$64,371	$101,208	$35,826,580
3	27	$165,579	$64,189	$101,390	$35,725,191
3	28	$165,579	$64,008	$101,571	$35,623,620
3	29	$165,579	$63,826	$101,753	$35,521,866
3	30	$165,579	$63,643	$101,935	$35,419,931
3	31	$165,579	$63,461	$102,118	$35,317,813
3	32	$165,579	$63,278	$102,301	$35,215,512
3	33	$165,579	$63,094	$102,484	$35,113,027
3	34	$165,579	$62,911	$102,668	$35,010,359
3	35	$165,579	$62,727	$102,852	$34,907,507
3	36	$165,579	$62,543	$103,036	$34,804,471
4	37	$165,579	$62,358	$103,221	$34,701,250
4	38	$165,579	$62,173	$103,406	$34,597,845
4	39	$165,579	$61,988	$103,591	$34,494,254
4	40	$165,579	$61,802	$103,777	$34,390,477
4	41	$165,579	$61,616	$103,963	$34,286,514
4	42	$165,579	$61,430	$104,149	$34,182,365
4	43	$165,579	$61,243	$104,335	$34,078,030
4	44	$165,579	$61,056	$104,522	$33,973,508
4	45	$165,579	$60,869	$104,710	$33,868,798
4	46	$165,579	$60,682	$104,897	$33,763,901
4	47	$165,579	$60,494	$105,085	$33,658,816
4	48	$165,579	$60,305	$105,273	$33,553,542
5	49	$165,579	$60,117	$105,462	$33,448,080
5	50	$165,579	$59,928	$105,651	$33,342,429
5	51	$165,579	$59,739	$105,840	$33,236,589
5	52	$165,579	$59,549	$106,030	$33,130,559
5	53	$165,579	$59,359	$106,220	$33,024,339
5	54	$165,579	$59,169	$106,410	$32,917,929
5	55	$165,579	$58,978	$106,601	$32,811,328
5	56	$165,579	$58,787	$106,792	$32,704,536
5	57	$165,579	$58,596	$106,983	$32,597,553
5	58	$165,579	$58,404	$107,175	$32,490,378
5	59	$165,579	$58,212	$107,367	$32,383,011
5	60	$165,579	$58,020	$107,559	$32,275,451
6	61	$165,579	$57,827	$107,752	$32,167,699
6	62	$165,579	$57,634	$107,945	$32,059,754
6	63	$165,579	$57,440	$108,138	$31,951,616
6	64	$165,579	$57,247	$108,332	$31,843,284
6	65	$165,579	$57,053	$108,526	$31,734,757
6	66	$165,579	$56,858	$108,721	$31,626,037
6	67	$165,579	$56,663	$108,916	$31,517,121
6	68	$165,579	$56,468	$109,111	$31,408,011
6	69	$165,579	$56,273	$109,306	$31,298,704
6	70	$165,579	$56,077	$109,502	$31,189,202
6	71	$165,579	$55,881	$109,698	$31,079,504
6	72	$165,579	$55,684	$109,895	$30,969,609
7	73	$165,579	$55,487	$110,092	$30,859,518
7	74	$165,579	$55,290	$110,289	$30,749,229
7	75	$165,579	$55,092	$110,486	$30,638,743
7	76	$165,579	$54,894	$110,684	$30,528,058
7	77	$165,579	$54,696	$110,883	$30,417,175
7	78	$165,579	$54,497	$111,081	$30,306,094
7	79	$165,579	$54,298	$111,280	$30,194,814
7	80	$165,579	$54,099	$111,480	$30,083,334
7	81	$165,579	$53,899	$111,680	$29,971,654
7	82	$165,579	$53,699	$111,880	$29,859,775
7	83	$165,579	$53,499	$112,080	$29,747,694
7	84	$165,579	$53,298	$112,281	$29,635,414
8	85	$165,579	$53,097	$112,482	$29,522,932
8	86	$165,579	$52,895	$112,684	$29,410,248
8	87	$165,579	$52,693	$112,885	$29,297,362
8	88	$165,579	$52,491	$113,088	$29,184,275
8	89	$165,579	$52,288	$113,290	$29,070,984
8	90	$165,579	$52,086	$113,493	$28,957,491
8	91	$165,579	$51,882	$113,697	$28,843,794
8	92	$165,579	$51,678	$113,900	$28,729,894
8	93	$165,579	$51,474	$114,104	$28,615,790
8	94	$165,579	$51,270	$114,309	$28,501,481
8	95	$165,579	$51,065	$114,514	$28,386,967
8	96	$165,579	$50,860	$114,719	$28,272,248
9	97	$165,579	$50,654	$114,924	$28,157,324
9	98	$165,579	$50,449	$115,130	$28,042,193
9	99	$165,579	$50,242	$115,337	$27,926,857
9	100	$165,579	$50,036	$115,543	$27,811,314
9	101	$165,579	$49,829	$115,750	$27,695,563
9	102	$165,579	$49,621	$115,958	$27,579,606
9	103	$165,579	$49,413	$116,165	$27,463,440
9	104	$165,579	$49,205	$116,374	$27,347,067
9	105	$165,579	$48,997	$116,582	$27,230,485
9	106	$165,579	$48,788	$116,791	$27,113,694
9	107	$165,579	$48,579	$117,000	$26,996,694
9	108	$165,579	$48,369	$117,210	$26,879,484
10	109	$165,579	$48,159	$117,420	$26,762,064
10	110	$165,579	$47,949	$117,630	$26,644,434
10	111	$165,579	$47,738	$117,841	$26,526,593
10	112	$165,579	$47,527	$118,052	$26,408,541
10	113	$165,579	$47,315	$118,264	$26,290,278
10	114	$165,579	$47,103	$118,475	$26,171,802
10	115	$165,579	$46,891	$118,688	$26,053,114
10	116	$165,579	$46,678	$118,900	$25,934,214
10	117	$165,579	$46,465	$119,113	$25,815,101
10	118	$165,579	$46,252	$119,327	$25,695,774
10	119	$165,579	$46,038	$119,541	$25,576,233
10	120	$165,579	$45,824	$119,755	$25,456,479
11	121	$165,579	$45,610	$119,969	$25,336,509
11	122	$165,579	$45,395	$120,184	$25,216,325
11	123	$165,579	$45,179	$120,400	$25,095,925
11	124	$165,579	$44,964	$120,615	$24,975,310
11	125	$165,579	$44,747	$120,831	$24,854,479
11	126	$165,579	$44,531	$121,048	$24,733,431
11	127	$165,579	$44,314	$121,265	$24,612,166
11	128	$165,579	$44,097	$121,482	$24,490,684
11	129	$165,579	$43,879	$121,700	$24,368,984
11	130	$165,579	$43,661	$121,918	$24,247,067
11	131	$165,579	$43,443	$122,136	$24,124,930
11	132	$165,579	$43,224	$122,355	$24,002,575
12	133	$165,579	$43,005	$122,574	$23,880,001
12	134	$165,579	$42,785	$122,794	$23,757,207
12	135	$165,579	$42,565	$123,014	$23,634,193
12	136	$165,579	$42,345	$123,234	$23,510,959
12	137	$165,579	$42,124	$123,455	$23,387,504
12	138	$165,579	$41,903	$123,676	$23,263,828
12	139	$165,579	$41,681	$123,898	$23,139,930
12	140	$165,579	$41,459	$124,120	$23,015,810
12	141	$165,579	$41,237	$124,342	$22,891,468
12	142	$165,579	$41,014	$124,565	$22,766,903
12	143	$165,579	$40,791	$124,788	$22,642,115
12	144	$165,579	$40,567	$125,012	$22,517,103
13	145	$165,579	$40,343	$125,236	$22,391,868
13	146	$165,579	$40,119	$125,460	$22,266,407
13	147	$165,579	$39,894	$125,685	$22,140,723
13	148	$165,579	$39,669	$125,910	$22,014,813
13	149	$165,579	$39,443	$126,136	$21,888,677
13	150	$165,579	$39,217	$126,362	$21,762,315
13	151	$165,579	$38,991	$126,588	$21,635,727
13	152	$165,579	$38,764	$126,815	$21,508,912
13	153	$165,579	$38,537	$127,042	$21,381,870
13	154	$165,579	$38,309	$127,270	$21,254,601
13	155	$165,579	$38,081	$127,498	$21,127,103
13	156	$165,579	$37,853	$127,726	$20,999,377
14	157	$165,579	$37,624	$127,955	$20,871,422
14	158	$165,579	$37,395	$128,184	$20,743,238
14	159	$165,579	$37,165	$128,414	$20,614,824
14	160	$165,579	$36,935	$128,644	$20,486,180
14	161	$165,579	$36,704	$128,874	$20,357,305
14	162	$165,579	$36,474	$129,105	$20,228,200
14	163	$165,579	$36,242	$129,337	$20,098,863
14	164	$165,579	$36,010	$129,568	$19,969,295
14	165	$165,579	$35,778	$129,801	$19,839,495
14	166	$165,579	$35,546	$130,033	$19,709,462
14	167	$165,579	$35,313	$130,266	$19,579,195
14	168	$165,579	$35,079	$130,499	$19,448,696
15	169	$165,579	$34,846	$130,733	$19,317,963
15	170	$165,579	$34,611	$130,967	$19,186,995
15	171	$165,579	$34,377	$131,202	$19,055,793
15	172	$165,579	$34,142	$131,437	$18,924,356
15	173	$165,579	$33,906	$131,673	$18,792,683
15	174	$165,579	$33,670	$131,909	$18,660,775
15	175	$165,579	$33,434	$132,145	$18,528,630
15	176	$165,579	$33,197	$132,382	$18,396,248
15	177	$165,579	$32,960	$132,619	$18,263,629
15	178	$165,579	$32,722	$132,857	$18,130,772
15	179	$165,579	$32,484	$133,095	$17,997,678
15	180	$165,579	$32,246	$133,333	$17,864,345
16	181	$165,579	$32,007	$133,572	$17,730,773
16	182	$165,579	$31,768	$133,811	$17,596,962
16	183	$165,579	$31,528	$134,051	$17,462,911
16	184	$165,579	$31,288	$134,291	$17,328,620
16	185	$165,579	$31,047	$134,532	$17,194,088
16	186	$165,579	$30,806	$134,773	$17,059,315
16	187	$165,579	$30,565	$135,014	$16,924,301
16	188	$165,579	$30,323	$135,256	$16,789,045
16	189	$165,579	$30,080	$135,498	$16,653,546
16	190	$165,579	$29,838	$135,741	$16,517,805
16	191	$165,579	$29,594	$135,984	$16,381,821
16	192	$165,579	$29,351	$136,228	$16,245,593
17	193	$165,579	$29,107	$136,472	$16,109,120
17	194	$165,579	$28,862	$136,717	$15,972,404
17	195	$165,579	$28,617	$136,962	$15,835,442
17	196	$165,579	$28,372	$137,207	$15,698,235
17	197	$165,579	$28,126	$137,453	$15,560,782
17	198	$165,579	$27,880	$137,699	$15,423,083
17	199	$165,579	$27,633	$137,946	$15,285,137
17	200	$165,579	$27,386	$138,193	$15,146,944
17	201	$165,579	$27,138	$138,441	$15,008,504
17	202	$165,579	$26,890	$138,689	$14,869,815
17	203	$165,579	$26,642	$138,937	$14,730,878
17	204	$165,579	$26,393	$139,186	$14,591,692
18	205	$165,579	$26,143	$139,435	$14,452,257
18	206	$165,579	$25,894	$139,685	$14,312,572
18	207	$165,579	$25,643	$139,935	$14,172,636
18	208	$165,579	$25,393	$140,186	$14,032,450
18	209	$165,579	$25,141	$140,437	$13,892,012
18	210	$165,579	$24,890	$140,689	$13,751,323
18	211	$165,579	$24,638	$140,941	$13,610,382
18	212	$165,579	$24,385	$141,194	$13,469,189
18	213	$165,579	$24,132	$141,447	$13,327,742
18	214	$165,579	$23,879	$141,700	$13,186,042
18	215	$165,579	$23,625	$141,954	$13,044,088
18	216	$165,579	$23,371	$142,208	$12,901,880
19	217	$165,579	$23,116	$142,463	$12,759,417
19	218	$165,579	$22,861	$142,718	$12,616,699
19	219	$165,579	$22,605	$142,974	$12,473,725
19	220	$165,579	$22,349	$143,230	$12,330,495
19	221	$165,579	$22,092	$143,487	$12,187,008
19	222	$165,579	$21,835	$143,744	$12,043,265
19	223	$165,579	$21,578	$144,001	$11,899,263
19	224	$165,579	$21,320	$144,259	$11,755,004
19	225	$165,579	$21,061	$144,518	$11,610,486
19	226	$165,579	$20,802	$144,777	$11,465,709
19	227	$165,579	$20,543	$145,036	$11,320,673
19	228	$165,579	$20,283	$145,296	$11,175,377
20	229	$165,579	$20,023	$145,556	$11,029,821
20	230	$165,579	$19,762	$145,817	$10,884,004
20	231	$165,579	$19,501	$146,078	$10,737,926
20	232	$165,579	$19,239	$146,340	$10,591,586
20	233	$165,579	$18,977	$146,602	$10,444,983
20	234	$165,579	$18,714	$146,865	$10,298,118
20	235	$165,579	$18,451	$147,128	$10,150,990
20	236	$165,579	$18,187	$147,392	$10,003,599
20	237	$165,579	$17,923	$147,656	$9,855,943
20	238	$165,579	$17,659	$147,920	$9,708,023
20	239	$165,579	$17,394	$148,185	$9,559,837
20	240	$165,579	$17,128	$148,451	$9,411,387
21	241	$165,579	$16,862	$148,717	$9,262,670
21	242	$165,579	$16,596	$148,983	$9,113,687
21	243	$165,579	$16,329	$149,250	$8,964,436
21	244	$165,579	$16,061	$149,518	$8,814,919
21	245	$165,579	$15,793	$149,785	$8,665,133
21	246	$165,579	$15,525	$150,054	$8,515,080
21	247	$165,579	$15,256	$150,323	$8,364,757
21	248	$165,579	$14,987	$150,592	$8,214,165
21	249	$165,579	$14,717	$150,862	$8,063,303
21	250	$165,579	$14,447	$151,132	$7,912,171
21	251	$165,579	$14,176	$151,403	$7,760,768
21	252	$165,579	$13,905	$151,674	$7,609,094
22	253	$165,579	$13,633	$151,946	$7,457,148
22	254	$165,579	$13,361	$152,218	$7,304,930
22	255	$165,579	$13,088	$152,491	$7,152,439
22	256	$165,579	$12,815	$152,764	$6,999,675
22	257	$165,579	$12,541	$153,038	$6,846,637
22	258	$165,579	$12,267	$153,312	$6,693,325
22	259	$165,579	$11,992	$153,587	$6,539,739
22	260	$165,579	$11,717	$153,862	$6,385,877
22	261	$165,579	$11,441	$154,137	$6,231,740
22	262	$165,579	$11,165	$154,414	$6,077,326
22	263	$165,579	$10,889	$154,690	$5,922,636
22	264	$165,579	$10,611	$154,967	$5,767,668
23	265	$165,579	$10,334	$155,245	$5,612,423
23	266	$165,579	$10,056	$155,523	$5,456,900
23	267	$165,579	$9,777	$155,802	$5,301,098
23	268	$165,579	$9,498	$156,081	$5,145,017
23	269	$165,579	$9,218	$156,361	$4,988,656
23	270	$165,579	$8,938	$156,641	$4,832,015
23	271	$165,579	$8,657	$156,921	$4,675,094
23	272	$165,579	$8,376	$157,203	$4,517,891
23	273	$165,579	$8,095	$157,484	$4,360,407
23	274	$165,579	$7,812	$157,766	$4,202,640
23	275	$165,579	$7,530	$158,049	$4,044,591
23	276	$165,579	$7,247	$158,332	$3,886,259
24	277	$165,579	$6,963	$158,616	$3,727,643
24	278	$165,579	$6,679	$158,900	$3,568,743
24	279	$165,579	$6,394	$159,185	$3,409,558
24	280	$165,579	$6,109	$159,470	$3,250,088
24	281	$165,579	$5,823	$159,756	$3,090,332
24	282	$165,579	$5,537	$160,042	$2,930,290
24	283	$165,579	$5,250	$160,329	$2,769,962
24	284	$165,579	$4,963	$160,616	$2,609,346
24	285	$165,579	$4,675	$160,904	$2,448,442
24	286	$165,579	$4,387	$161,192	$2,287,250
24	287	$165,579	$4,098	$161,481	$2,125,769
24	288	$165,579	$3,809	$161,770	$1,963,999
25	289	$165,579	$3,519	$162,060	$1,801,939
25	290	$165,579	$3,228	$162,350	$1,639,588
25	291	$165,579	$2,938	$162,641	$1,476,947
25	292	$165,579	$2,646	$162,933	$1,314,014
25	293	$165,579	$2,354	$163,225	$1,150,790
25	294	$165,579	$2,062	$163,517	$987,273
25	295	$165,579	$1,769	$163,810	$823,463
25	296	$165,579	$1,475	$164,103	$659,359
25	297	$165,579	$1,181	$164,397	$494,962
25	298	$165,579	$887	$164,692	$330,270
25	299	$165,579	$592	$164,987	$165,283
25	300	$165,579	$296	$165,283	$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$ 25,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 26,240,000

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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.