Century 21 Centaland Property

Down Payment (HKD)

$18,600,000

Monthly Repayment (HKD)

$120,303

Loan Amount (HKD)

$27,900,000

Total Interest (HKD)

$8,191,014

Total Repayment (HKD)

$36,091,014

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$120,303	$49,988	$70,316	$27,829,684
1	2	$120,303	$49,862	$70,442	$27,759,242
1	3	$120,303	$49,735	$70,568	$27,688,674
1	4	$120,303	$49,609	$70,695	$27,617,980
1	5	$120,303	$49,482	$70,821	$27,547,159
1	6	$120,303	$49,355	$70,948	$27,476,210
1	7	$120,303	$49,228	$71,075	$27,405,135
1	8	$120,303	$49,101	$71,203	$27,333,933
1	9	$120,303	$48,973	$71,330	$27,262,603
1	10	$120,303	$48,845	$71,458	$27,191,145
1	11	$120,303	$48,717	$71,586	$27,119,559
1	12	$120,303	$48,589	$71,714	$27,047,845
2	13	$120,303	$48,461	$71,843	$26,976,002
2	14	$120,303	$48,332	$71,971	$26,904,031
2	15	$120,303	$48,203	$72,100	$26,831,930
2	16	$120,303	$48,074	$72,230	$26,759,701
2	17	$120,303	$47,944	$72,359	$26,687,342
2	18	$120,303	$47,815	$72,489	$26,614,853
2	19	$120,303	$47,685	$72,618	$26,542,235
2	20	$120,303	$47,555	$72,749	$26,469,486
2	21	$120,303	$47,424	$72,879	$26,396,608
2	22	$120,303	$47,294	$73,009	$26,323,598
2	23	$120,303	$47,163	$73,140	$26,250,458
2	24	$120,303	$47,032	$73,271	$26,177,187
3	25	$120,303	$46,901	$73,403	$26,103,784
3	26	$120,303	$46,769	$73,534	$26,030,250
3	27	$120,303	$46,638	$73,666	$25,956,584
3	28	$120,303	$46,506	$73,798	$25,882,786
3	29	$120,303	$46,373	$73,930	$25,808,856
3	30	$120,303	$46,241	$74,063	$25,734,794
3	31	$120,303	$46,108	$74,195	$25,660,598
3	32	$120,303	$45,975	$74,328	$25,586,270
3	33	$120,303	$45,842	$74,461	$25,511,809
3	34	$120,303	$45,709	$74,595	$25,437,214
3	35	$120,303	$45,575	$74,728	$25,362,486
3	36	$120,303	$45,441	$74,862	$25,287,624
4	37	$120,303	$45,307	$74,996	$25,212,627
4	38	$120,303	$45,173	$75,131	$25,137,496
4	39	$120,303	$45,038	$75,265	$25,062,231
4	40	$120,303	$44,903	$75,400	$24,986,831
4	41	$120,303	$44,768	$75,535	$24,911,296
4	42	$120,303	$44,633	$75,671	$24,835,625
4	43	$120,303	$44,497	$75,806	$24,759,819
4	44	$120,303	$44,361	$75,942	$24,683,877
4	45	$120,303	$44,225	$76,078	$24,607,799
4	46	$120,303	$44,089	$76,214	$24,531,584
4	47	$120,303	$43,952	$76,351	$24,455,233
4	48	$120,303	$43,816	$76,488	$24,378,745
5	49	$120,303	$43,679	$76,625	$24,302,121
5	50	$120,303	$43,541	$76,762	$24,225,359
5	51	$120,303	$43,404	$76,900	$24,148,459
5	52	$120,303	$43,266	$77,037	$24,071,422
5	53	$120,303	$43,128	$77,175	$23,994,246
5	54	$120,303	$42,990	$77,314	$23,916,932
5	55	$120,303	$42,851	$77,452	$23,839,480
5	56	$120,303	$42,712	$77,591	$23,761,889
5	57	$120,303	$42,573	$77,730	$23,684,159
5	58	$120,303	$42,434	$77,869	$23,606,290
5	59	$120,303	$42,295	$78,009	$23,528,281
5	60	$120,303	$42,155	$78,149	$23,450,133
6	61	$120,303	$42,015	$78,289	$23,371,844
6	62	$120,303	$41,875	$78,429	$23,293,415
6	63	$120,303	$41,734	$78,569	$23,214,846
6	64	$120,303	$41,593	$78,710	$23,136,136
6	65	$120,303	$41,452	$78,851	$23,057,285
6	66	$120,303	$41,311	$78,992	$22,978,292
6	67	$120,303	$41,169	$79,134	$22,899,158
6	68	$120,303	$41,028	$79,276	$22,819,883
6	69	$120,303	$40,886	$79,418	$22,740,465
6	70	$120,303	$40,743	$79,560	$22,660,905
6	71	$120,303	$40,601	$79,703	$22,581,202
6	72	$120,303	$40,458	$79,845	$22,501,357
7	73	$120,303	$40,315	$79,988	$22,421,368
7	74	$120,303	$40,172	$80,132	$22,341,237
7	75	$120,303	$40,028	$80,275	$22,260,961
7	76	$120,303	$39,884	$80,419	$22,180,542
7	77	$120,303	$39,740	$80,563	$22,099,979
7	78	$120,303	$39,596	$80,708	$22,019,271
7	79	$120,303	$39,451	$80,852	$21,938,419
7	80	$120,303	$39,306	$80,997	$21,857,422
7	81	$120,303	$39,161	$81,142	$21,776,280
7	82	$120,303	$39,016	$81,288	$21,694,992
7	83	$120,303	$38,870	$81,433	$21,613,559
7	84	$120,303	$38,724	$81,579	$21,531,980
8	85	$120,303	$38,578	$81,725	$21,450,255
8	86	$120,303	$38,432	$81,872	$21,368,383
8	87	$120,303	$38,285	$82,018	$21,286,365
8	88	$120,303	$38,138	$82,165	$21,204,200
8	89	$120,303	$37,991	$82,313	$21,121,887
8	90	$120,303	$37,843	$82,460	$21,039,427
8	91	$120,303	$37,696	$82,608	$20,956,819
8	92	$120,303	$37,548	$82,756	$20,874,064
8	93	$120,303	$37,399	$82,904	$20,791,160
8	94	$120,303	$37,251	$83,053	$20,708,107
8	95	$120,303	$37,102	$83,201	$20,624,906
8	96	$120,303	$36,953	$83,350	$20,541,555
9	97	$120,303	$36,804	$83,500	$20,458,055
9	98	$120,303	$36,654	$83,649	$20,374,406
9	99	$120,303	$36,504	$83,799	$20,290,607
9	100	$120,303	$36,354	$83,949	$20,206,658
9	101	$120,303	$36,204	$84,100	$20,122,558
9	102	$120,303	$36,053	$84,250	$20,038,307
9	103	$120,303	$35,902	$84,401	$19,953,906
9	104	$120,303	$35,751	$84,553	$19,869,353
9	105	$120,303	$35,599	$84,704	$19,784,649
9	106	$120,303	$35,447	$84,856	$19,699,793
9	107	$120,303	$35,295	$85,008	$19,614,785
9	108	$120,303	$35,143	$85,160	$19,529,625
10	109	$120,303	$34,991	$85,313	$19,444,312
10	110	$120,303	$34,838	$85,466	$19,358,847
10	111	$120,303	$34,685	$85,619	$19,273,228
10	112	$120,303	$34,531	$85,772	$19,187,456
10	113	$120,303	$34,378	$85,926	$19,101,530
10	114	$120,303	$34,224	$86,080	$19,015,450
10	115	$120,303	$34,069	$86,234	$18,929,216
10	116	$120,303	$33,915	$86,389	$18,842,827
10	117	$120,303	$33,760	$86,543	$18,756,284
10	118	$120,303	$33,605	$86,698	$18,669,586
10	119	$120,303	$33,450	$86,854	$18,582,732
10	120	$120,303	$33,294	$87,009	$18,495,723
11	121	$120,303	$33,138	$87,165	$18,408,558
11	122	$120,303	$32,982	$87,321	$18,321,236
11	123	$120,303	$32,826	$87,478	$18,233,758
11	124	$120,303	$32,669	$87,635	$18,146,124
11	125	$120,303	$32,512	$87,792	$18,058,332
11	126	$120,303	$32,355	$87,949	$17,970,383
11	127	$120,303	$32,197	$88,106	$17,882,277
11	128	$120,303	$32,039	$88,264	$17,794,013
11	129	$120,303	$31,881	$88,422	$17,705,590
11	130	$120,303	$31,723	$88,581	$17,617,009
11	131	$120,303	$31,564	$88,740	$17,528,270
11	132	$120,303	$31,405	$88,899	$17,439,371
12	133	$120,303	$31,246	$89,058	$17,350,313
12	134	$120,303	$31,086	$89,217	$17,261,096
12	135	$120,303	$30,926	$89,377	$17,171,719
12	136	$120,303	$30,766	$89,537	$17,082,181
12	137	$120,303	$30,606	$89,698	$16,992,483
12	138	$120,303	$30,445	$89,859	$16,902,625
12	139	$120,303	$30,284	$90,020	$16,812,605
12	140	$120,303	$30,123	$90,181	$16,722,425
12	141	$120,303	$29,961	$90,342	$16,632,082
12	142	$120,303	$29,799	$90,504	$16,541,578
12	143	$120,303	$29,637	$90,666	$16,450,912
12	144	$120,303	$29,475	$90,829	$16,360,083
13	145	$120,303	$29,312	$90,992	$16,269,091
13	146	$120,303	$29,149	$91,155	$16,177,937
13	147	$120,303	$28,985	$91,318	$16,086,619
13	148	$120,303	$28,822	$91,482	$15,995,137
13	149	$120,303	$28,658	$91,645	$15,903,492
13	150	$120,303	$28,494	$91,810	$15,811,682
13	151	$120,303	$28,329	$91,974	$15,719,708
13	152	$120,303	$28,164	$92,139	$15,627,569
13	153	$120,303	$27,999	$92,304	$15,535,265
13	154	$120,303	$27,834	$92,469	$15,442,796
13	155	$120,303	$27,668	$92,635	$15,350,161
13	156	$120,303	$27,502	$92,801	$15,257,360
14	157	$120,303	$27,336	$92,967	$15,164,393
14	158	$120,303	$27,170	$93,134	$15,071,259
14	159	$120,303	$27,003	$93,301	$14,977,958
14	160	$120,303	$26,836	$93,468	$14,884,490
14	161	$120,303	$26,668	$93,635	$14,790,855
14	162	$120,303	$26,500	$93,803	$14,697,052
14	163	$120,303	$26,332	$93,971	$14,603,081
14	164	$120,303	$26,164	$94,140	$14,508,941
14	165	$120,303	$25,995	$94,308	$14,414,633
14	166	$120,303	$25,826	$94,477	$14,320,156
14	167	$120,303	$25,657	$94,646	$14,225,509
14	168	$120,303	$25,487	$94,816	$14,130,693
15	169	$120,303	$25,317	$94,986	$14,035,707
15	170	$120,303	$25,147	$95,156	$13,940,551
15	171	$120,303	$24,977	$95,327	$13,845,225
15	172	$120,303	$24,806	$95,497	$13,749,727
15	173	$120,303	$24,635	$95,668	$13,654,059
15	174	$120,303	$24,464	$95,840	$13,558,219
15	175	$120,303	$24,292	$96,012	$13,462,207
15	176	$120,303	$24,120	$96,184	$13,366,024
15	177	$120,303	$23,947	$96,356	$13,269,668
15	178	$120,303	$23,775	$96,529	$13,173,139
15	179	$120,303	$23,602	$96,702	$13,076,438
15	180	$120,303	$23,429	$96,875	$12,979,563
16	181	$120,303	$23,255	$97,048	$12,882,515
16	182	$120,303	$23,081	$97,222	$12,785,293
16	183	$120,303	$22,907	$97,396	$12,687,896
16	184	$120,303	$22,732	$97,571	$12,590,325
16	185	$120,303	$22,558	$97,746	$12,492,580
16	186	$120,303	$22,383	$97,921	$12,394,659
16	187	$120,303	$22,207	$98,096	$12,296,562
16	188	$120,303	$22,031	$98,272	$12,198,290
16	189	$120,303	$21,855	$98,448	$12,099,842
16	190	$120,303	$21,679	$98,624	$12,001,218
16	191	$120,303	$21,502	$98,801	$11,902,417
16	192	$120,303	$21,325	$98,978	$11,803,438
17	193	$120,303	$21,148	$99,156	$11,704,283
17	194	$120,303	$20,970	$99,333	$11,604,950
17	195	$120,303	$20,792	$99,511	$11,505,438
17	196	$120,303	$20,614	$99,689	$11,405,749
17	197	$120,303	$20,435	$99,868	$11,305,881
17	198	$120,303	$20,256	$100,047	$11,205,834
17	199	$120,303	$20,077	$100,226	$11,105,608
17	200	$120,303	$19,898	$100,406	$11,005,202
17	201	$120,303	$19,718	$100,586	$10,904,616
17	202	$120,303	$19,537	$100,766	$10,803,850
17	203	$120,303	$19,357	$100,946	$10,702,904
17	204	$120,303	$19,176	$101,127	$10,601,776
18	205	$120,303	$18,995	$101,309	$10,500,468
18	206	$120,303	$18,813	$101,490	$10,398,978
18	207	$120,303	$18,632	$101,672	$10,297,306
18	208	$120,303	$18,449	$101,854	$10,195,452
18	209	$120,303	$18,267	$102,037	$10,093,415
18	210	$120,303	$18,084	$102,219	$9,991,196
18	211	$120,303	$17,901	$102,402	$9,888,793
18	212	$120,303	$17,717	$102,586	$9,786,208
18	213	$120,303	$17,534	$102,770	$9,683,438
18	214	$120,303	$17,349	$102,954	$9,580,484
18	215	$120,303	$17,165	$103,138	$9,477,346
18	216	$120,303	$16,980	$103,323	$9,374,022
19	217	$120,303	$16,795	$103,508	$9,270,514
19	218	$120,303	$16,610	$103,694	$9,166,820
19	219	$120,303	$16,424	$103,879	$9,062,941
19	220	$120,303	$16,238	$104,066	$8,958,875
19	221	$120,303	$16,051	$104,252	$8,854,623
19	222	$120,303	$15,865	$104,439	$8,750,184
19	223	$120,303	$15,677	$104,626	$8,645,558
19	224	$120,303	$15,490	$104,813	$8,540,745
19	225	$120,303	$15,302	$105,001	$8,435,744
19	226	$120,303	$15,114	$105,189	$8,330,554
19	227	$120,303	$14,926	$105,378	$8,225,177
19	228	$120,303	$14,737	$105,567	$8,119,610
20	229	$120,303	$14,548	$105,756	$8,013,854
20	230	$120,303	$14,358	$105,945	$7,907,909
20	231	$120,303	$14,168	$106,135	$7,801,774
20	232	$120,303	$13,978	$106,325	$7,695,449
20	233	$120,303	$13,788	$106,516	$7,588,933
20	234	$120,303	$13,597	$106,707	$7,482,227
20	235	$120,303	$13,406	$106,898	$7,375,329
20	236	$120,303	$13,214	$107,089	$7,268,240
20	237	$120,303	$13,022	$107,281	$7,160,959
20	238	$120,303	$12,830	$107,473	$7,053,485
20	239	$120,303	$12,637	$107,666	$6,945,819
20	240	$120,303	$12,445	$107,859	$6,837,961
21	241	$120,303	$12,251	$108,052	$6,729,909
21	242	$120,303	$12,058	$108,246	$6,621,663
21	243	$120,303	$11,864	$108,440	$6,513,223
21	244	$120,303	$11,670	$108,634	$6,404,589
21	245	$120,303	$11,475	$108,828	$6,295,761
21	246	$120,303	$11,280	$109,023	$6,186,738
21	247	$120,303	$11,085	$109,219	$6,077,519
21	248	$120,303	$10,889	$109,414	$5,968,104
21	249	$120,303	$10,693	$109,611	$5,858,494
21	250	$120,303	$10,496	$109,807	$5,748,687
21	251	$120,303	$10,300	$110,004	$5,638,683
21	252	$120,303	$10,103	$110,201	$5,528,482
22	253	$120,303	$9,905	$110,398	$5,418,084
22	254	$120,303	$9,707	$110,596	$5,307,488
22	255	$120,303	$9,509	$110,794	$5,196,694
22	256	$120,303	$9,311	$110,993	$5,085,701
22	257	$120,303	$9,112	$111,191	$4,974,510
22	258	$120,303	$8,913	$111,391	$4,863,119
22	259	$120,303	$8,713	$111,590	$4,751,529
22	260	$120,303	$8,513	$111,790	$4,639,739
22	261	$120,303	$8,313	$111,991	$4,527,748
22	262	$120,303	$8,112	$112,191	$4,415,557
22	263	$120,303	$7,911	$112,392	$4,303,165
22	264	$120,303	$7,710	$112,594	$4,190,571
23	265	$120,303	$7,508	$112,795	$4,077,776
23	266	$120,303	$7,306	$112,997	$3,964,779
23	267	$120,303	$7,104	$113,200	$3,851,579
23	268	$120,303	$6,901	$113,403	$3,738,176
23	269	$120,303	$6,698	$113,606	$3,624,570
23	270	$120,303	$6,494	$113,809	$3,510,761
23	271	$120,303	$6,290	$114,013	$3,396,748
23	272	$120,303	$6,086	$114,218	$3,282,530
23	273	$120,303	$5,881	$114,422	$3,168,108
23	274	$120,303	$5,676	$114,627	$3,053,481
23	275	$120,303	$5,471	$114,833	$2,938,648
23	276	$120,303	$5,265	$115,038	$2,823,610
24	277	$120,303	$5,059	$115,244	$2,708,366
24	278	$120,303	$4,852	$115,451	$2,592,915
24	279	$120,303	$4,646	$115,658	$2,477,257
24	280	$120,303	$4,438	$115,865	$2,361,392
24	281	$120,303	$4,231	$116,073	$2,245,320
24	282	$120,303	$4,023	$116,281	$2,129,039
24	283	$120,303	$3,815	$116,489	$2,012,550
24	284	$120,303	$3,606	$116,698	$1,895,853
24	285	$120,303	$3,397	$116,907	$1,778,946
24	286	$120,303	$3,187	$117,116	$1,661,830
24	287	$120,303	$2,977	$117,326	$1,544,504
24	288	$120,303	$2,767	$117,536	$1,426,968
25	289	$120,303	$2,557	$117,747	$1,309,221
25	290	$120,303	$2,346	$117,958	$1,191,263
25	291	$120,303	$2,134	$118,169	$1,073,094
25	292	$120,303	$1,923	$118,381	$954,714
25	293	$120,303	$1,711	$118,593	$836,121
25	294	$120,303	$1,498	$118,805	$717,315
25	295	$120,303	$1,285	$119,018	$598,297
25	296	$120,303	$1,072	$119,231	$479,066
25	297	$120,303	$858	$119,445	$359,621
25	298	$120,303	$644	$119,659	$239,962
25	299	$120,303	$430	$119,873	$120,088
25	300	$120,303	$215	$120,088	$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$ 18,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 19,065,000

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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.