Century 21 Centaland Property

Down Payment (HKD)

$10,000,000

Monthly Repayment (HKD)

$64,679

Loan Amount (HKD)

$15,000,000

Total Interest (HKD)

$4,403,771

Total Repayment (HKD)

$19,403,771

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$64,679	$26,875	$37,804	$14,962,196
1	2	$64,679	$26,807	$37,872	$14,924,324
1	3	$64,679	$26,739	$37,940	$14,886,384
1	4	$64,679	$26,671	$38,008	$14,848,376
1	5	$64,679	$26,603	$38,076	$14,810,300
1	6	$64,679	$26,535	$38,144	$14,772,156
1	7	$64,679	$26,467	$38,212	$14,733,944
1	8	$64,679	$26,398	$38,281	$14,695,663
1	9	$64,679	$26,330	$38,350	$14,657,313
1	10	$64,679	$26,261	$38,418	$14,618,895
1	11	$64,679	$26,192	$38,487	$14,580,408
1	12	$64,679	$26,123	$38,556	$14,541,852
2	13	$64,679	$26,054	$38,625	$14,503,227
2	14	$64,679	$25,985	$38,694	$14,464,533
2	15	$64,679	$25,916	$38,764	$14,425,769
2	16	$64,679	$25,846	$38,833	$14,386,936
2	17	$64,679	$25,777	$38,903	$14,348,033
2	18	$64,679	$25,707	$38,972	$14,309,061
2	19	$64,679	$25,637	$39,042	$14,270,019
2	20	$64,679	$25,567	$39,112	$14,230,907
2	21	$64,679	$25,497	$39,182	$14,191,724
2	22	$64,679	$25,427	$39,252	$14,152,472
2	23	$64,679	$25,357	$39,323	$14,113,149
2	24	$64,679	$25,286	$39,393	$14,073,756
3	25	$64,679	$25,215	$39,464	$14,034,292
3	26	$64,679	$25,145	$39,534	$13,994,758
3	27	$64,679	$25,074	$39,605	$13,955,153
3	28	$64,679	$25,003	$39,676	$13,915,476
3	29	$64,679	$24,932	$39,747	$13,875,729
3	30	$64,679	$24,861	$39,819	$13,835,911
3	31	$64,679	$24,789	$39,890	$13,796,021
3	32	$64,679	$24,718	$39,961	$13,756,059
3	33	$64,679	$24,646	$40,033	$13,716,026
3	34	$64,679	$24,575	$40,105	$13,675,922
3	35	$64,679	$24,503	$40,177	$13,635,745
3	36	$64,679	$24,431	$40,249	$13,595,497
4	37	$64,679	$24,359	$40,321	$13,555,176
4	38	$64,679	$24,286	$40,393	$13,514,783
4	39	$64,679	$24,214	$40,465	$13,474,318
4	40	$64,679	$24,141	$40,538	$13,433,780
4	41	$64,679	$24,069	$40,610	$13,393,170
4	42	$64,679	$23,996	$40,683	$13,352,487
4	43	$64,679	$23,923	$40,756	$13,311,730
4	44	$64,679	$23,850	$40,829	$13,270,901
4	45	$64,679	$23,777	$40,902	$13,229,999
4	46	$64,679	$23,704	$40,975	$13,189,024
4	47	$64,679	$23,630	$41,049	$13,147,975
4	48	$64,679	$23,557	$41,122	$13,106,852
5	49	$64,679	$23,483	$41,196	$13,065,656
5	50	$64,679	$23,409	$41,270	$13,024,386
5	51	$64,679	$23,335	$41,344	$12,983,042
5	52	$64,679	$23,261	$41,418	$12,941,625
5	53	$64,679	$23,187	$41,492	$12,900,132
5	54	$64,679	$23,113	$41,566	$12,858,566
5	55	$64,679	$23,038	$41,641	$12,816,925
5	56	$64,679	$22,964	$41,716	$12,775,209
5	57	$64,679	$22,889	$41,790	$12,733,419
5	58	$64,679	$22,814	$41,865	$12,691,554
5	59	$64,679	$22,739	$41,940	$12,649,614
5	60	$64,679	$22,664	$42,015	$12,607,598
6	61	$64,679	$22,589	$42,091	$12,565,508
6	62	$64,679	$22,513	$42,166	$12,523,342
6	63	$64,679	$22,438	$42,242	$12,481,100
6	64	$64,679	$22,362	$42,317	$12,438,783
6	65	$64,679	$22,286	$42,393	$12,396,390
6	66	$64,679	$22,210	$42,469	$12,353,921
6	67	$64,679	$22,134	$42,545	$12,311,375
6	68	$64,679	$22,058	$42,621	$12,268,754
6	69	$64,679	$21,982	$42,698	$12,226,056
6	70	$64,679	$21,905	$42,774	$12,183,282
6	71	$64,679	$21,828	$42,851	$12,140,431
6	72	$64,679	$21,752	$42,928	$12,097,504
7	73	$64,679	$21,675	$43,005	$12,054,499
7	74	$64,679	$21,598	$43,082	$12,011,418
7	75	$64,679	$21,520	$43,159	$11,968,259
7	76	$64,679	$21,443	$43,236	$11,925,023
7	77	$64,679	$21,366	$43,314	$11,881,709
7	78	$64,679	$21,288	$43,391	$11,838,318
7	79	$64,679	$21,210	$43,469	$11,794,849
7	80	$64,679	$21,132	$43,547	$11,751,302
7	81	$64,679	$21,054	$43,625	$11,707,677
7	82	$64,679	$20,976	$43,703	$11,663,974
7	83	$64,679	$20,898	$43,781	$11,620,193
7	84	$64,679	$20,820	$43,860	$11,576,333
8	85	$64,679	$20,741	$43,938	$11,532,395
8	86	$64,679	$20,662	$44,017	$11,488,378
8	87	$64,679	$20,583	$44,096	$11,444,282
8	88	$64,679	$20,504	$44,175	$11,400,107
8	89	$64,679	$20,425	$44,254	$11,355,853
8	90	$64,679	$20,346	$44,333	$11,311,520
8	91	$64,679	$20,266	$44,413	$11,267,107
8	92	$64,679	$20,187	$44,492	$11,222,615
8	93	$64,679	$20,107	$44,572	$11,178,043
8	94	$64,679	$20,027	$44,652	$11,133,391
8	95	$64,679	$19,947	$44,732	$11,088,659
8	96	$64,679	$19,867	$44,812	$11,043,847
9	97	$64,679	$19,787	$44,892	$10,998,955
9	98	$64,679	$19,706	$44,973	$10,953,982
9	99	$64,679	$19,626	$45,053	$10,908,928
9	100	$64,679	$19,545	$45,134	$10,863,794
9	101	$64,679	$19,464	$45,215	$10,818,579
9	102	$64,679	$19,383	$45,296	$10,773,283
9	103	$64,679	$19,302	$45,377	$10,727,906
9	104	$64,679	$19,221	$45,458	$10,682,448
9	105	$64,679	$19,139	$45,540	$10,636,908
9	106	$64,679	$19,058	$45,621	$10,591,287
9	107	$64,679	$18,976	$45,703	$10,545,583
9	108	$64,679	$18,894	$45,785	$10,499,798
10	109	$64,679	$18,812	$45,867	$10,453,931
10	110	$64,679	$18,730	$45,949	$10,407,982
10	111	$64,679	$18,648	$46,032	$10,361,950
10	112	$64,679	$18,565	$46,114	$10,315,836
10	113	$64,679	$18,483	$46,197	$10,269,640
10	114	$64,679	$18,400	$46,279	$10,223,360
10	115	$64,679	$18,317	$46,362	$10,176,998
10	116	$64,679	$18,234	$46,445	$10,130,552
10	117	$64,679	$18,151	$46,529	$10,084,024
10	118	$64,679	$18,067	$46,612	$10,037,412
10	119	$64,679	$17,984	$46,696	$9,990,716
10	120	$64,679	$17,900	$46,779	$9,943,937
11	121	$64,679	$17,816	$46,863	$9,897,074
11	122	$64,679	$17,732	$46,947	$9,850,127
11	123	$64,679	$17,648	$47,031	$9,803,096
11	124	$64,679	$17,564	$47,115	$9,755,981
11	125	$64,679	$17,479	$47,200	$9,708,781
11	126	$64,679	$17,395	$47,284	$9,661,496
11	127	$64,679	$17,310	$47,369	$9,614,127
11	128	$64,679	$17,225	$47,454	$9,566,673
11	129	$64,679	$17,140	$47,539	$9,519,134
11	130	$64,679	$17,055	$47,624	$9,471,510
11	131	$64,679	$16,970	$47,709	$9,423,801
11	132	$64,679	$16,884	$47,795	$9,376,006
12	133	$64,679	$16,799	$47,881	$9,328,125
12	134	$64,679	$16,713	$47,966	$9,280,159
12	135	$64,679	$16,627	$48,052	$9,232,107
12	136	$64,679	$16,541	$48,138	$9,183,968
12	137	$64,679	$16,455	$48,225	$9,135,744
12	138	$64,679	$16,368	$48,311	$9,087,433
12	139	$64,679	$16,282	$48,398	$9,039,035
12	140	$64,679	$16,195	$48,484	$8,990,551
12	141	$64,679	$16,108	$48,571	$8,941,980
12	142	$64,679	$16,021	$48,658	$8,893,322
12	143	$64,679	$15,934	$48,745	$8,844,576
12	144	$64,679	$15,847	$48,833	$8,795,743
13	145	$64,679	$15,759	$48,920	$8,746,823
13	146	$64,679	$15,671	$49,008	$8,697,815
13	147	$64,679	$15,584	$49,096	$8,648,720
13	148	$64,679	$15,496	$49,184	$8,599,536
13	149	$64,679	$15,408	$49,272	$8,550,264
13	150	$64,679	$15,319	$49,360	$8,500,904
13	151	$64,679	$15,231	$49,448	$8,451,456
13	152	$64,679	$15,142	$49,537	$8,401,919
13	153	$64,679	$15,053	$49,626	$8,352,293
13	154	$64,679	$14,965	$49,715	$8,302,578
13	155	$64,679	$14,875	$49,804	$8,252,775
13	156	$64,679	$14,786	$49,893	$8,202,882
14	157	$64,679	$14,697	$49,982	$8,152,899
14	158	$64,679	$14,607	$50,072	$8,102,827
14	159	$64,679	$14,518	$50,162	$8,052,666
14	160	$64,679	$14,428	$50,252	$8,002,414
14	161	$64,679	$14,338	$50,342	$7,952,072
14	162	$64,679	$14,247	$50,432	$7,901,641
14	163	$64,679	$14,157	$50,522	$7,851,119
14	164	$64,679	$14,067	$50,613	$7,800,506
14	165	$64,679	$13,976	$50,703	$7,749,803
14	166	$64,679	$13,885	$50,794	$7,699,008
14	167	$64,679	$13,794	$50,885	$7,648,123
14	168	$64,679	$13,703	$50,976	$7,597,147
15	169	$64,679	$13,612	$51,068	$7,546,079
15	170	$64,679	$13,520	$51,159	$7,494,920
15	171	$64,679	$13,428	$51,251	$7,443,669
15	172	$64,679	$13,337	$51,343	$7,392,327
15	173	$64,679	$13,245	$51,435	$7,340,892
15	174	$64,679	$13,152	$51,527	$7,289,365
15	175	$64,679	$13,060	$51,619	$7,237,746
15	176	$64,679	$12,968	$51,712	$7,186,034
15	177	$64,679	$12,875	$51,804	$7,134,230
15	178	$64,679	$12,782	$51,897	$7,082,333
15	179	$64,679	$12,689	$51,990	$7,030,343
15	180	$64,679	$12,596	$52,083	$6,978,260
16	181	$64,679	$12,503	$52,177	$6,926,083
16	182	$64,679	$12,409	$52,270	$6,873,813
16	183	$64,679	$12,316	$52,364	$6,821,450
16	184	$64,679	$12,222	$52,457	$6,768,992
16	185	$64,679	$12,128	$52,551	$6,716,441
16	186	$64,679	$12,034	$52,646	$6,663,795
16	187	$64,679	$11,939	$52,740	$6,611,055
16	188	$64,679	$11,845	$52,834	$6,558,221
16	189	$64,679	$11,750	$52,929	$6,505,292
16	190	$64,679	$11,655	$53,024	$6,452,268
16	191	$64,679	$11,560	$53,119	$6,399,149
16	192	$64,679	$11,465	$53,214	$6,345,935
17	193	$64,679	$11,370	$53,309	$6,292,625
17	194	$64,679	$11,274	$53,405	$6,239,220
17	195	$64,679	$11,179	$53,501	$6,185,720
17	196	$64,679	$11,083	$53,596	$6,132,123
17	197	$64,679	$10,987	$53,693	$6,078,431
17	198	$64,679	$10,891	$53,789	$6,024,642
17	199	$64,679	$10,794	$53,885	$5,970,757
17	200	$64,679	$10,698	$53,982	$5,916,775
17	201	$64,679	$10,601	$54,078	$5,862,697
17	202	$64,679	$10,504	$54,175	$5,808,522
17	203	$64,679	$10,407	$54,272	$5,754,249
17	204	$64,679	$10,310	$54,370	$5,699,880
18	205	$64,679	$10,212	$54,467	$5,645,413
18	206	$64,679	$10,115	$54,565	$5,590,848
18	207	$64,679	$10,017	$54,662	$5,536,186
18	208	$64,679	$9,919	$54,760	$5,481,426
18	209	$64,679	$9,821	$54,858	$5,426,567
18	210	$64,679	$9,723	$54,957	$5,371,611
18	211	$64,679	$9,624	$55,055	$5,316,556
18	212	$64,679	$9,525	$55,154	$5,261,402
18	213	$64,679	$9,427	$55,253	$5,206,149
18	214	$64,679	$9,328	$55,352	$5,150,798
18	215	$64,679	$9,229	$55,451	$5,095,347
18	216	$64,679	$9,129	$55,550	$5,039,797
19	217	$64,679	$9,030	$55,650	$4,984,147
19	218	$64,679	$8,930	$55,749	$4,928,398
19	219	$64,679	$8,830	$55,849	$4,872,549
19	220	$64,679	$8,730	$55,949	$4,816,600
19	221	$64,679	$8,630	$56,049	$4,760,550
19	222	$64,679	$8,529	$56,150	$4,704,400
19	223	$64,679	$8,429	$56,251	$4,648,150
19	224	$64,679	$8,328	$56,351	$4,591,798
19	225	$64,679	$8,227	$56,452	$4,535,346
19	226	$64,679	$8,126	$56,553	$4,478,793
19	227	$64,679	$8,025	$56,655	$4,422,138
19	228	$64,679	$7,923	$56,756	$4,365,382
20	229	$64,679	$7,821	$56,858	$4,308,524
20	230	$64,679	$7,719	$56,960	$4,251,564
20	231	$64,679	$7,617	$57,062	$4,194,502
20	232	$64,679	$7,515	$57,164	$4,137,338
20	233	$64,679	$7,413	$57,267	$4,080,072
20	234	$64,679	$7,310	$57,369	$4,022,702
20	235	$64,679	$7,207	$57,472	$3,965,231
20	236	$64,679	$7,104	$57,575	$3,907,656
20	237	$64,679	$7,001	$57,678	$3,849,978
20	238	$64,679	$6,898	$57,781	$3,792,196
20	239	$64,679	$6,794	$57,885	$3,734,311
20	240	$64,679	$6,691	$57,989	$3,676,323
21	241	$64,679	$6,587	$58,092	$3,618,230
21	242	$64,679	$6,483	$58,197	$3,560,034
21	243	$64,679	$6,378	$58,301	$3,501,733
21	244	$64,679	$6,274	$58,405	$3,443,328
21	245	$64,679	$6,169	$58,510	$3,384,818
21	246	$64,679	$6,064	$58,615	$3,326,203
21	247	$64,679	$5,959	$58,720	$3,267,483
21	248	$64,679	$5,854	$58,825	$3,208,658
21	249	$64,679	$5,749	$58,930	$3,149,728
21	250	$64,679	$5,643	$59,036	$3,090,692
21	251	$64,679	$5,537	$59,142	$3,031,550
21	252	$64,679	$5,432	$59,248	$2,972,302
22	253	$64,679	$5,325	$59,354	$2,912,949
22	254	$64,679	$5,219	$59,460	$2,853,488
22	255	$64,679	$5,112	$59,567	$2,793,922
22	256	$64,679	$5,006	$59,673	$2,734,248
22	257	$64,679	$4,899	$59,780	$2,674,468
22	258	$64,679	$4,792	$59,887	$2,614,580
22	259	$64,679	$4,684	$59,995	$2,554,585
22	260	$64,679	$4,577	$60,102	$2,494,483
22	261	$64,679	$4,469	$60,210	$2,434,273
22	262	$64,679	$4,361	$60,318	$2,373,955
22	263	$64,679	$4,253	$60,426	$2,313,530
22	264	$64,679	$4,145	$60,534	$2,252,995
23	265	$64,679	$4,037	$60,643	$2,192,353
23	266	$64,679	$3,928	$60,751	$2,131,601
23	267	$64,679	$3,819	$60,860	$2,070,741
23	268	$64,679	$3,710	$60,969	$2,009,772
23	269	$64,679	$3,601	$61,078	$1,948,694
23	270	$64,679	$3,491	$61,188	$1,887,506
23	271	$64,679	$3,382	$61,297	$1,826,209
23	272	$64,679	$3,272	$61,407	$1,764,801
23	273	$64,679	$3,162	$61,517	$1,703,284
23	274	$64,679	$3,052	$61,628	$1,641,656
23	275	$64,679	$2,941	$61,738	$1,579,918
23	276	$64,679	$2,831	$61,849	$1,518,070
24	277	$64,679	$2,720	$61,959	$1,456,111
24	278	$64,679	$2,609	$62,070	$1,394,040
24	279	$64,679	$2,498	$62,182	$1,331,859
24	280	$64,679	$2,386	$62,293	$1,269,566
24	281	$64,679	$2,275	$62,405	$1,207,161
24	282	$64,679	$2,163	$62,516	$1,144,645
24	283	$64,679	$2,051	$62,628	$1,082,016
24	284	$64,679	$1,939	$62,741	$1,019,276
24	285	$64,679	$1,826	$62,853	$956,423
24	286	$64,679	$1,714	$62,966	$893,457
24	287	$64,679	$1,601	$63,078	$830,378
24	288	$64,679	$1,488	$63,191	$767,187
25	289	$64,679	$1,375	$63,305	$703,882
25	290	$64,679	$1,261	$63,418	$640,464
25	291	$64,679	$1,147	$63,532	$576,932
25	292	$64,679	$1,034	$63,646	$513,287
25	293	$64,679	$920	$63,760	$449,527
25	294	$64,679	$805	$63,874	$385,653
25	295	$64,679	$691	$63,988	$321,665
25	296	$64,679	$576	$64,103	$257,562
25	297	$64,679	$461	$64,218	$193,344
25	298	$64,679	$346	$64,333	$129,012
25	299	$64,679	$231	$64,448	$64,564
25	300	$64,679	$116	$64,564	$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$ 10,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,250,000

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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.