Century 21 Centaland Property

Down Payment (HKD)

$25,592,000

Monthly Repayment (HKD)

$165,527

Loan Amount (HKD)

$38,388,000

Total Interest (HKD)

$11,270,130

Total Repayment (HKD)

$49,658,130

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$165,527	$68,779	$96,749	$38,291,251
1	2	$165,527	$68,605	$96,922	$38,194,329
1	3	$165,527	$68,432	$97,096	$38,097,234
1	4	$165,527	$68,258	$97,270	$37,999,964
1	5	$165,527	$68,083	$97,444	$37,902,520
1	6	$165,527	$67,909	$97,618	$37,804,902
1	7	$165,527	$67,734	$97,793	$37,707,109
1	8	$165,527	$67,559	$97,969	$37,609,140
1	9	$165,527	$67,383	$98,144	$37,510,996
1	10	$165,527	$67,207	$98,320	$37,412,676
1	11	$165,527	$67,031	$98,496	$37,314,180
1	12	$165,527	$66,855	$98,673	$37,215,508
2	13	$165,527	$66,678	$98,849	$37,116,658
2	14	$165,527	$66,501	$99,026	$37,017,632
2	15	$165,527	$66,323	$99,204	$36,918,428
2	16	$165,527	$66,146	$99,382	$36,819,047
2	17	$165,527	$65,967	$99,560	$36,719,487
2	18	$165,527	$65,789	$99,738	$36,619,749
2	19	$165,527	$65,610	$99,917	$36,519,832
2	20	$165,527	$65,431	$100,096	$36,419,736
2	21	$165,527	$65,252	$100,275	$36,319,461
2	22	$165,527	$65,072	$100,455	$36,219,007
2	23	$165,527	$64,892	$100,635	$36,118,372
2	24	$165,527	$64,712	$100,815	$36,017,557
3	25	$165,527	$64,531	$100,996	$35,916,561
3	26	$165,527	$64,351	$101,177	$35,815,385
3	27	$165,527	$64,169	$101,358	$35,714,027
3	28	$165,527	$63,988	$101,539	$35,612,487
3	29	$165,527	$63,806	$101,721	$35,510,766
3	30	$165,527	$63,623	$101,904	$35,408,862
3	31	$165,527	$63,441	$102,086	$35,306,776
3	32	$165,527	$63,258	$102,269	$35,204,507
3	33	$165,527	$63,075	$102,452	$35,102,055
3	34	$165,527	$62,891	$102,636	$34,999,419
3	35	$165,527	$62,707	$102,820	$34,896,599
3	36	$165,527	$62,523	$103,004	$34,793,595
4	37	$165,527	$62,339	$103,189	$34,690,406
4	38	$165,527	$62,154	$103,373	$34,587,033
4	39	$165,527	$61,968	$103,559	$34,483,474
4	40	$165,527	$61,783	$103,744	$34,379,730
4	41	$165,527	$61,597	$103,930	$34,275,800
4	42	$165,527	$61,411	$104,116	$34,171,683
4	43	$165,527	$61,224	$104,303	$34,067,381
4	44	$165,527	$61,037	$104,490	$33,962,891
4	45	$165,527	$60,850	$104,677	$33,858,214
4	46	$165,527	$60,663	$104,864	$33,753,350
4	47	$165,527	$60,475	$105,052	$33,648,297
4	48	$165,527	$60,287	$105,241	$33,543,057
5	49	$165,527	$60,098	$105,429	$33,437,628
5	50	$165,527	$59,909	$105,618	$33,332,009
5	51	$165,527	$59,720	$105,807	$33,226,202
5	52	$165,527	$59,530	$105,997	$33,120,205
5	53	$165,527	$59,340	$106,187	$33,014,019
5	54	$165,527	$59,150	$106,377	$32,907,642
5	55	$165,527	$58,960	$106,568	$32,801,074
5	56	$165,527	$58,769	$106,759	$32,694,316
5	57	$165,527	$58,577	$106,950	$32,587,366
5	58	$165,527	$58,386	$107,141	$32,480,224
5	59	$165,527	$58,194	$107,333	$32,372,891
5	60	$165,527	$58,001	$107,526	$32,265,365
6	61	$165,527	$57,809	$107,718	$32,157,647
6	62	$165,527	$57,616	$107,911	$32,049,736
6	63	$165,527	$57,422	$108,105	$31,941,631
6	64	$165,527	$57,229	$108,298	$31,833,333
6	65	$165,527	$57,035	$108,492	$31,724,840
6	66	$165,527	$56,840	$108,687	$31,616,154
6	67	$165,527	$56,646	$108,881	$31,507,272
6	68	$165,527	$56,451	$109,077	$31,398,196
6	69	$165,527	$56,255	$109,272	$31,288,924
6	70	$165,527	$56,059	$109,468	$31,179,456
6	71	$165,527	$55,863	$109,664	$31,069,792
6	72	$165,527	$55,667	$109,860	$30,959,931
7	73	$165,527	$55,470	$110,057	$30,849,874
7	74	$165,527	$55,273	$110,254	$30,739,620
7	75	$165,527	$55,075	$110,452	$30,629,168
7	76	$165,527	$54,877	$110,650	$30,518,518
7	77	$165,527	$54,679	$110,848	$30,407,670
7	78	$165,527	$54,480	$111,047	$30,296,623
7	79	$165,527	$54,281	$111,246	$30,185,378
7	80	$165,527	$54,082	$111,445	$30,073,933
7	81	$165,527	$53,882	$111,645	$29,962,288
7	82	$165,527	$53,682	$111,845	$29,850,443
7	83	$165,527	$53,482	$112,045	$29,738,398
7	84	$165,527	$53,281	$112,246	$29,626,152
8	85	$165,527	$53,080	$112,447	$29,513,706
8	86	$165,527	$52,879	$112,648	$29,401,057
8	87	$165,527	$52,677	$112,850	$29,288,207
8	88	$165,527	$52,475	$113,052	$29,175,155
8	89	$165,527	$52,272	$113,255	$29,061,900
8	90	$165,527	$52,069	$113,458	$28,948,442
8	91	$165,527	$51,866	$113,661	$28,834,781
8	92	$165,527	$51,662	$113,865	$28,720,916
8	93	$165,527	$51,458	$114,069	$28,606,847
8	94	$165,527	$51,254	$114,273	$28,492,574
8	95	$165,527	$51,049	$114,478	$28,378,096
8	96	$165,527	$50,844	$114,683	$28,263,413
9	97	$165,527	$50,639	$114,888	$28,148,525
9	98	$165,527	$50,433	$115,094	$28,033,430
9	99	$165,527	$50,227	$115,301	$27,918,130
9	100	$165,527	$50,020	$115,507	$27,802,623
9	101	$165,527	$49,813	$115,714	$27,686,908
9	102	$165,527	$49,606	$115,921	$27,570,987
9	103	$165,527	$49,398	$116,129	$27,454,858
9	104	$165,527	$49,190	$116,337	$27,338,521
9	105	$165,527	$48,982	$116,546	$27,221,975
9	106	$165,527	$48,773	$116,754	$27,105,221
9	107	$165,527	$48,564	$116,964	$26,988,257
9	108	$165,527	$48,354	$117,173	$26,871,084
10	109	$165,527	$48,144	$117,383	$26,753,701
10	110	$165,527	$47,934	$117,593	$26,636,108
10	111	$165,527	$47,723	$117,804	$26,518,304
10	112	$165,527	$47,512	$118,015	$26,400,288
10	113	$165,527	$47,301	$118,227	$26,282,062
10	114	$165,527	$47,089	$118,438	$26,163,623
10	115	$165,527	$46,876	$118,651	$26,044,973
10	116	$165,527	$46,664	$118,863	$25,926,110
10	117	$165,527	$46,451	$119,076	$25,807,034
10	118	$165,527	$46,238	$119,289	$25,687,744
10	119	$165,527	$46,024	$119,503	$25,568,241
10	120	$165,527	$45,810	$119,717	$25,448,523
11	121	$165,527	$45,595	$119,932	$25,328,592
11	122	$165,527	$45,380	$120,147	$25,208,445
11	123	$165,527	$45,165	$120,362	$25,088,083
11	124	$165,527	$44,949	$120,578	$24,967,505
11	125	$165,527	$44,733	$120,794	$24,846,712
11	126	$165,527	$44,517	$121,010	$24,725,702
11	127	$165,527	$44,300	$121,227	$24,604,475
11	128	$165,527	$44,083	$121,444	$24,483,031
11	129	$165,527	$43,865	$121,662	$24,361,369
11	130	$165,527	$43,647	$121,880	$24,239,489
11	131	$165,527	$43,429	$122,098	$24,117,391
11	132	$165,527	$43,210	$122,317	$23,995,075
12	133	$165,527	$42,991	$122,536	$23,872,539
12	134	$165,527	$42,772	$122,755	$23,749,783
12	135	$165,527	$42,552	$122,975	$23,626,808
12	136	$165,527	$42,331	$123,196	$23,503,612
12	137	$165,527	$42,111	$123,416	$23,380,196
12	138	$165,527	$41,890	$123,638	$23,256,558
12	139	$165,527	$41,668	$123,859	$23,132,699
12	140	$165,527	$41,446	$124,081	$23,008,618
12	141	$165,527	$41,224	$124,303	$22,884,314
12	142	$165,527	$41,001	$124,526	$22,759,788
12	143	$165,527	$40,778	$124,749	$22,635,039
12	144	$165,527	$40,554	$124,973	$22,510,067
13	145	$165,527	$40,331	$125,197	$22,384,870
13	146	$165,527	$40,106	$125,421	$22,259,449
13	147	$165,527	$39,882	$125,646	$22,133,804
13	148	$165,527	$39,656	$125,871	$22,007,933
13	149	$165,527	$39,431	$126,096	$21,881,837
13	150	$165,527	$39,205	$126,322	$21,755,515
13	151	$165,527	$38,979	$126,548	$21,628,966
13	152	$165,527	$38,752	$126,775	$21,502,191
13	153	$165,527	$38,525	$127,002	$21,375,189
13	154	$165,527	$38,297	$127,230	$21,247,959
13	155	$165,527	$38,069	$127,458	$21,120,501
13	156	$165,527	$37,841	$127,686	$20,992,815
14	157	$165,527	$37,612	$127,915	$20,864,900
14	158	$165,527	$37,383	$128,144	$20,736,755
14	159	$165,527	$37,153	$128,374	$20,608,382
14	160	$165,527	$36,923	$128,604	$20,479,778
14	161	$165,527	$36,693	$128,834	$20,350,944
14	162	$165,527	$36,462	$129,065	$20,221,879
14	163	$165,527	$36,231	$129,296	$20,092,583
14	164	$165,527	$35,999	$129,528	$19,963,055
14	165	$165,527	$35,767	$129,760	$19,833,295
14	166	$165,527	$35,535	$129,992	$19,703,302
14	167	$165,527	$35,302	$130,225	$19,573,077
14	168	$165,527	$35,068	$130,459	$19,442,618
15	169	$165,527	$34,835	$130,692	$19,311,926
15	170	$165,527	$34,601	$130,927	$19,180,999
15	171	$165,527	$34,366	$131,161	$19,049,838
15	172	$165,527	$34,131	$131,396	$18,918,442
15	173	$165,527	$33,896	$131,632	$18,786,810
15	174	$165,527	$33,660	$131,867	$18,654,943
15	175	$165,527	$33,423	$132,104	$18,522,839
15	176	$165,527	$33,187	$132,340	$18,390,499
15	177	$165,527	$32,950	$132,577	$18,257,922
15	178	$165,527	$32,712	$132,815	$18,125,107
15	179	$165,527	$32,474	$133,053	$17,992,054
15	180	$165,527	$32,236	$133,291	$17,858,762
16	181	$165,527	$31,997	$133,530	$17,725,232
16	182	$165,527	$31,758	$133,769	$17,591,463
16	183	$165,527	$31,518	$134,009	$17,457,454
16	184	$165,527	$31,278	$134,249	$17,323,205
16	185	$165,527	$31,037	$134,490	$17,188,715
16	186	$165,527	$30,796	$134,731	$17,053,984
16	187	$165,527	$30,555	$134,972	$16,919,012
16	188	$165,527	$30,313	$135,214	$16,783,798
16	189	$165,527	$30,071	$135,456	$16,648,342
16	190	$165,527	$29,828	$135,699	$16,512,643
16	191	$165,527	$29,585	$135,942	$16,376,701
16	192	$165,527	$29,342	$136,186	$16,240,516
17	193	$165,527	$29,098	$136,430	$16,104,086
17	194	$165,527	$28,853	$136,674	$15,967,412
17	195	$165,527	$28,608	$136,919	$15,830,494
17	196	$165,527	$28,363	$137,164	$15,693,329
17	197	$165,527	$28,117	$137,410	$15,555,920
17	198	$165,527	$27,871	$137,656	$15,418,264
17	199	$165,527	$27,624	$137,903	$15,280,361
17	200	$165,527	$27,377	$138,150	$15,142,211
17	201	$165,527	$27,130	$138,397	$15,003,814
17	202	$165,527	$26,882	$138,645	$14,865,168
17	203	$165,527	$26,633	$138,894	$14,726,275
17	204	$165,527	$26,385	$139,143	$14,587,132
18	205	$165,527	$26,135	$139,392	$14,447,740
18	206	$165,527	$25,886	$139,642	$14,308,099
18	207	$165,527	$25,635	$139,892	$14,168,207
18	208	$165,527	$25,385	$140,142	$14,028,065
18	209	$165,527	$25,134	$140,393	$13,887,671
18	210	$165,527	$24,882	$140,645	$13,747,026
18	211	$165,527	$24,630	$140,897	$13,606,129
18	212	$165,527	$24,378	$141,149	$13,464,980
18	213	$165,527	$24,125	$141,402	$13,323,577
18	214	$165,527	$23,871	$141,656	$13,181,922
18	215	$165,527	$23,618	$141,909	$13,040,012
18	216	$165,527	$23,363	$142,164	$12,897,848
19	217	$165,527	$23,109	$142,418	$12,755,430
19	218	$165,527	$22,853	$142,674	$12,612,756
19	219	$165,527	$22,598	$142,929	$12,469,827
19	220	$165,527	$22,342	$143,185	$12,326,642
19	221	$165,527	$22,085	$143,442	$12,183,200
19	222	$165,527	$21,828	$143,699	$12,039,501
19	223	$165,527	$21,571	$143,956	$11,895,545
19	224	$165,527	$21,313	$144,214	$11,751,330
19	225	$165,527	$21,054	$144,473	$11,606,858
19	226	$165,527	$20,796	$144,731	$11,462,126
19	227	$165,527	$20,536	$144,991	$11,317,136
19	228	$165,527	$20,277	$145,251	$11,171,885
20	229	$165,527	$20,016	$145,511	$11,026,374
20	230	$165,527	$19,756	$145,772	$10,880,603
20	231	$165,527	$19,494	$146,033	$10,734,570
20	232	$165,527	$19,233	$146,294	$10,588,276
20	233	$165,527	$18,971	$146,556	$10,441,719
20	234	$165,527	$18,708	$146,819	$10,294,900
20	235	$165,527	$18,445	$147,082	$10,147,818
20	236	$165,527	$18,182	$147,346	$10,000,473
20	237	$165,527	$17,918	$147,610	$9,852,863
20	238	$165,527	$17,653	$147,874	$9,704,989
20	239	$165,527	$17,388	$148,139	$9,556,850
20	240	$165,527	$17,123	$148,404	$9,408,446
21	241	$165,527	$16,857	$148,670	$9,259,775
21	242	$165,527	$16,590	$148,937	$9,110,839
21	243	$165,527	$16,324	$149,204	$8,961,635
21	244	$165,527	$16,056	$149,471	$8,812,164
21	245	$165,527	$15,788	$149,739	$8,662,426
21	246	$165,527	$15,520	$150,007	$8,512,419
21	247	$165,527	$15,251	$150,276	$8,362,143
21	248	$165,527	$14,982	$150,545	$8,211,598
21	249	$165,527	$14,712	$150,815	$8,060,783
21	250	$165,527	$14,442	$151,085	$7,909,699
21	251	$165,527	$14,172	$151,356	$7,758,343
21	252	$165,527	$13,900	$151,627	$7,606,716
22	253	$165,527	$13,629	$151,898	$7,454,818
22	254	$165,527	$13,357	$152,171	$7,302,647
22	255	$165,527	$13,084	$152,443	$7,150,204
22	256	$165,527	$12,811	$152,716	$6,997,488
22	257	$165,527	$12,537	$152,990	$6,844,498
22	258	$165,527	$12,263	$153,264	$6,691,234
22	259	$165,527	$11,988	$153,539	$6,537,695
22	260	$165,527	$11,713	$153,814	$6,383,881
22	261	$165,527	$11,438	$154,089	$6,229,792
22	262	$165,527	$11,162	$154,365	$6,075,427
22	263	$165,527	$10,885	$154,642	$5,920,785
22	264	$165,527	$10,608	$154,919	$5,765,866
23	265	$165,527	$10,331	$155,197	$5,610,669
23	266	$165,527	$10,052	$155,475	$5,455,194
23	267	$165,527	$9,774	$155,753	$5,299,441
23	268	$165,527	$9,495	$156,032	$5,143,409
23	269	$165,527	$9,215	$156,312	$4,987,097
23	270	$165,527	$8,935	$156,592	$4,830,505
23	271	$165,527	$8,655	$156,872	$4,673,633
23	272	$165,527	$8,374	$157,154	$4,516,479
23	273	$165,527	$8,092	$157,435	$4,359,044
23	274	$165,527	$7,810	$157,717	$4,201,327
23	275	$165,527	$7,527	$158,000	$4,043,327
23	276	$165,527	$7,244	$158,283	$3,885,045
24	277	$165,527	$6,961	$158,566	$3,726,478
24	278	$165,527	$6,677	$158,850	$3,567,628
24	279	$165,527	$6,392	$159,135	$3,408,493
24	280	$165,527	$6,107	$159,420	$3,249,072
24	281	$165,527	$5,821	$159,706	$3,089,367
24	282	$165,527	$5,535	$159,992	$2,929,375
24	283	$165,527	$5,248	$160,279	$2,769,096
24	284	$165,527	$4,961	$160,566	$2,608,530
24	285	$165,527	$4,674	$160,853	$2,447,677
24	286	$165,527	$4,385	$161,142	$2,286,535
24	287	$165,527	$4,097	$161,430	$2,125,105
24	288	$165,527	$3,807	$161,720	$1,963,385
25	289	$165,527	$3,518	$162,009	$1,801,376
25	290	$165,527	$3,227	$162,300	$1,639,076
25	291	$165,527	$2,937	$162,590	$1,476,485
25	292	$165,527	$2,645	$162,882	$1,313,604
25	293	$165,527	$2,354	$163,174	$1,150,430
25	294	$165,527	$2,061	$163,466	$986,964
25	295	$165,527	$1,768	$163,759	$823,205
25	296	$165,527	$1,475	$164,052	$659,153
25	297	$165,527	$1,181	$164,346	$494,807
25	298	$165,527	$887	$164,641	$330,167
25	299	$165,527	$592	$164,936	$165,231
25	300	$165,527	$296	$165,231	$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$ 25,592,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 26,231,800

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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.