Century 21 Centaland Property

Down Payment (HKD)

$20,800,000

Monthly Repayment (HKD)

$134,533

Loan Amount (HKD)

$31,200,000

Total Interest (HKD)

$9,159,843

Total Repayment (HKD)

$40,359,843

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$134,533	$55,900	$78,633	$31,121,367
1	2	$134,533	$55,759	$78,774	$31,042,593
1	3	$134,533	$55,618	$78,915	$30,963,679
1	4	$134,533	$55,477	$79,056	$30,884,622
1	5	$134,533	$55,335	$79,198	$30,805,425
1	6	$134,533	$55,193	$79,340	$30,726,085
1	7	$134,533	$55,051	$79,482	$30,646,603
1	8	$134,533	$54,908	$79,624	$30,566,979
1	9	$134,533	$54,766	$79,767	$30,487,212
1	10	$134,533	$54,623	$79,910	$30,407,302
1	11	$134,533	$54,480	$80,053	$30,327,249
1	12	$134,533	$54,336	$80,196	$30,247,052
2	13	$134,533	$54,193	$80,340	$30,166,712
2	14	$134,533	$54,049	$80,484	$30,086,228
2	15	$134,533	$53,904	$80,628	$30,005,600
2	16	$134,533	$53,760	$80,773	$29,924,827
2	17	$134,533	$53,615	$80,917	$29,843,909
2	18	$134,533	$53,470	$81,062	$29,762,847
2	19	$134,533	$53,325	$81,208	$29,681,639
2	20	$134,533	$53,180	$81,353	$29,600,286
2	21	$134,533	$53,034	$81,499	$29,518,787
2	22	$134,533	$52,888	$81,645	$29,437,142
2	23	$134,533	$52,742	$81,791	$29,355,351
2	24	$134,533	$52,595	$81,938	$29,273,413
3	25	$134,533	$52,448	$82,085	$29,191,328
3	26	$134,533	$52,301	$82,232	$29,109,097
3	27	$134,533	$52,154	$82,379	$29,026,718
3	28	$134,533	$52,006	$82,527	$28,944,191
3	29	$134,533	$51,858	$82,674	$28,861,517
3	30	$134,533	$51,710	$82,823	$28,778,694
3	31	$134,533	$51,562	$82,971	$28,695,723
3	32	$134,533	$51,413	$83,120	$28,612,603
3	33	$134,533	$51,264	$83,269	$28,529,335
3	34	$134,533	$51,115	$83,418	$28,445,917
3	35	$134,533	$50,966	$83,567	$28,362,350
3	36	$134,533	$50,816	$83,717	$28,278,633
4	37	$134,533	$50,666	$83,867	$28,194,766
4	38	$134,533	$50,516	$84,017	$28,110,749
4	39	$134,533	$50,365	$84,168	$28,026,581
4	40	$134,533	$50,214	$84,319	$27,942,262
4	41	$134,533	$50,063	$84,470	$27,857,793
4	42	$134,533	$49,912	$84,621	$27,773,172
4	43	$134,533	$49,760	$84,773	$27,688,399
4	44	$134,533	$49,608	$84,924	$27,603,475
4	45	$134,533	$49,456	$85,077	$27,518,398
4	46	$134,533	$49,304	$85,229	$27,433,169
4	47	$134,533	$49,151	$85,382	$27,347,788
4	48	$134,533	$48,998	$85,535	$27,262,253
5	49	$134,533	$48,845	$85,688	$27,176,565
5	50	$134,533	$48,691	$85,841	$27,090,724
5	51	$134,533	$48,538	$85,995	$27,004,728
5	52	$134,533	$48,383	$86,149	$26,918,579
5	53	$134,533	$48,229	$86,304	$26,832,275
5	54	$134,533	$48,074	$86,458	$26,745,817
5	55	$134,533	$47,920	$86,613	$26,659,204
5	56	$134,533	$47,764	$86,768	$26,572,435
5	57	$134,533	$47,609	$86,924	$26,485,511
5	58	$134,533	$47,453	$87,080	$26,398,432
5	59	$134,533	$47,297	$87,236	$26,311,196
5	60	$134,533	$47,141	$87,392	$26,223,804
6	61	$134,533	$46,984	$87,548	$26,136,256
6	62	$134,533	$46,827	$87,705	$26,048,550
6	63	$134,533	$46,670	$87,862	$25,960,688
6	64	$134,533	$46,513	$88,020	$25,872,668
6	65	$134,533	$46,355	$88,178	$25,784,490
6	66	$134,533	$46,197	$88,336	$25,696,155
6	67	$134,533	$46,039	$88,494	$25,607,661
6	68	$134,533	$45,880	$88,652	$25,519,009
6	69	$134,533	$45,722	$88,811	$25,430,197
6	70	$134,533	$45,562	$88,970	$25,341,227
6	71	$134,533	$45,403	$89,130	$25,252,097
6	72	$134,533	$45,243	$89,289	$25,162,808
7	73	$134,533	$45,083	$89,449	$25,073,358
7	74	$134,533	$44,923	$89,610	$24,983,749
7	75	$134,533	$44,763	$89,770	$24,893,978
7	76	$134,533	$44,602	$89,931	$24,804,047
7	77	$134,533	$44,441	$90,092	$24,713,955
7	78	$134,533	$44,279	$90,254	$24,623,701
7	79	$134,533	$44,117	$90,415	$24,533,286
7	80	$134,533	$43,955	$90,577	$24,442,709
7	81	$134,533	$43,793	$90,740	$24,351,969
7	82	$134,533	$43,631	$90,902	$24,261,067
7	83	$134,533	$43,468	$91,065	$24,170,002
7	84	$134,533	$43,305	$91,228	$24,078,774
8	85	$134,533	$43,141	$91,392	$23,987,382
8	86	$134,533	$42,977	$91,555	$23,895,826
8	87	$134,533	$42,813	$91,719	$23,804,107
8	88	$134,533	$42,649	$91,884	$23,712,223
8	89	$134,533	$42,484	$92,048	$23,620,175
8	90	$134,533	$42,319	$92,213	$23,527,961
8	91	$134,533	$42,154	$92,379	$23,435,583
8	92	$134,533	$41,989	$92,544	$23,343,039
8	93	$134,533	$41,823	$92,710	$23,250,329
8	94	$134,533	$41,657	$92,876	$23,157,453
8	95	$134,533	$41,490	$93,042	$23,064,411
8	96	$134,533	$41,324	$93,209	$22,971,202
9	97	$134,533	$41,157	$93,376	$22,877,825
9	98	$134,533	$40,989	$93,543	$22,784,282
9	99	$134,533	$40,822	$93,711	$22,690,571
9	100	$134,533	$40,654	$93,879	$22,596,692
9	101	$134,533	$40,486	$94,047	$22,502,645
9	102	$134,533	$40,317	$94,216	$22,408,430
9	103	$134,533	$40,148	$94,384	$22,314,045
9	104	$134,533	$39,979	$94,553	$22,219,492
9	105	$134,533	$39,810	$94,723	$22,124,769
9	106	$134,533	$39,640	$94,893	$22,029,876
9	107	$134,533	$39,470	$95,063	$21,934,814
9	108	$134,533	$39,300	$95,233	$21,839,581
10	109	$134,533	$39,129	$95,404	$21,744,177
10	110	$134,533	$38,958	$95,574	$21,648,603
10	111	$134,533	$38,787	$95,746	$21,552,857
10	112	$134,533	$38,616	$95,917	$21,456,940
10	113	$134,533	$38,444	$96,089	$21,360,851
10	114	$134,533	$38,272	$96,261	$21,264,589
10	115	$134,533	$38,099	$96,434	$21,168,155
10	116	$134,533	$37,926	$96,607	$21,071,549
10	117	$134,533	$37,753	$96,780	$20,974,769
10	118	$134,533	$37,580	$96,953	$20,877,816
10	119	$134,533	$37,406	$97,127	$20,780,690
10	120	$134,533	$37,232	$97,301	$20,683,389
11	121	$134,533	$37,058	$97,475	$20,585,914
11	122	$134,533	$36,883	$97,650	$20,488,264
11	123	$134,533	$36,708	$97,825	$20,390,439
11	124	$134,533	$36,533	$98,000	$20,292,439
11	125	$134,533	$36,357	$98,176	$20,194,264
11	126	$134,533	$36,181	$98,351	$20,095,913
11	127	$134,533	$36,005	$98,528	$19,997,385
11	128	$134,533	$35,829	$98,704	$19,898,681
11	129	$134,533	$35,652	$98,881	$19,799,800
11	130	$134,533	$35,475	$99,058	$19,700,742
11	131	$134,533	$35,297	$99,236	$19,601,506
11	132	$134,533	$35,119	$99,413	$19,502,092
12	133	$134,533	$34,941	$99,592	$19,402,501
12	134	$134,533	$34,763	$99,770	$19,302,731
12	135	$134,533	$34,584	$99,949	$19,202,782
12	136	$134,533	$34,405	$100,128	$19,102,654
12	137	$134,533	$34,226	$100,307	$19,002,347
12	138	$134,533	$34,046	$100,487	$18,901,860
12	139	$134,533	$33,866	$100,667	$18,801,193
12	140	$134,533	$33,685	$100,847	$18,700,346
12	141	$134,533	$33,505	$101,028	$18,599,318
12	142	$134,533	$33,324	$101,209	$18,498,109
12	143	$134,533	$33,142	$101,390	$18,396,718
12	144	$134,533	$32,961	$101,572	$18,295,146
13	145	$134,533	$32,779	$101,754	$18,193,392
13	146	$134,533	$32,596	$101,936	$18,091,456
13	147	$134,533	$32,414	$102,119	$17,989,337
13	148	$134,533	$32,231	$102,302	$17,887,035
13	149	$134,533	$32,048	$102,485	$17,784,550
13	150	$134,533	$31,864	$102,669	$17,681,881
13	151	$134,533	$31,680	$102,853	$17,579,028
13	152	$134,533	$31,496	$103,037	$17,475,991
13	153	$134,533	$31,311	$103,222	$17,372,770
13	154	$134,533	$31,126	$103,407	$17,269,363
13	155	$134,533	$30,941	$103,592	$17,165,771
13	156	$134,533	$30,755	$103,777	$17,061,994
14	157	$134,533	$30,569	$103,963	$16,958,030
14	158	$134,533	$30,383	$104,150	$16,853,881
14	159	$134,533	$30,197	$104,336	$16,749,544
14	160	$134,533	$30,010	$104,523	$16,645,021
14	161	$134,533	$29,822	$104,710	$16,540,311
14	162	$134,533	$29,635	$104,898	$16,435,413
14	163	$134,533	$29,447	$105,086	$16,330,327
14	164	$134,533	$29,259	$105,274	$16,225,052
14	165	$134,533	$29,070	$105,463	$16,119,589
14	166	$134,533	$28,881	$105,652	$16,013,937
14	167	$134,533	$28,692	$105,841	$15,908,096
14	168	$134,533	$28,502	$106,031	$15,802,066
15	169	$134,533	$28,312	$106,221	$15,695,845
15	170	$134,533	$28,122	$106,411	$15,589,434
15	171	$134,533	$27,931	$106,602	$15,482,832
15	172	$134,533	$27,740	$106,793	$15,376,039
15	173	$134,533	$27,549	$106,984	$15,269,055
15	174	$134,533	$27,357	$107,176	$15,161,879
15	175	$134,533	$27,165	$107,368	$15,054,512
15	176	$134,533	$26,973	$107,560	$14,946,951
15	177	$134,533	$26,780	$107,753	$14,839,199
15	178	$134,533	$26,587	$107,946	$14,731,253
15	179	$134,533	$26,393	$108,139	$14,623,113
15	180	$134,533	$26,200	$108,333	$14,514,780
16	181	$134,533	$26,006	$108,527	$14,406,253
16	182	$134,533	$25,811	$108,722	$14,297,531
16	183	$134,533	$25,616	$108,916	$14,188,615
16	184	$134,533	$25,421	$109,112	$14,079,504
16	185	$134,533	$25,226	$109,307	$13,970,197
16	186	$134,533	$25,030	$109,503	$13,860,694
16	187	$134,533	$24,834	$109,699	$13,750,995
16	188	$134,533	$24,637	$109,896	$13,641,099
16	189	$134,533	$24,440	$110,093	$13,531,006
16	190	$134,533	$24,243	$110,290	$13,420,717
16	191	$134,533	$24,045	$110,487	$13,310,229
16	192	$134,533	$23,847	$110,685	$13,199,544
17	193	$134,533	$23,649	$110,884	$13,088,660
17	194	$134,533	$23,451	$111,082	$12,977,578
17	195	$134,533	$23,251	$111,281	$12,866,297
17	196	$134,533	$23,052	$111,481	$12,754,816
17	197	$134,533	$22,852	$111,680	$12,643,136
17	198	$134,533	$22,652	$111,881	$12,531,255
17	199	$134,533	$22,452	$112,081	$12,419,174
17	200	$134,533	$22,251	$112,282	$12,306,892
17	201	$134,533	$22,050	$112,483	$12,194,409
17	202	$134,533	$21,848	$112,684	$12,081,725
17	203	$134,533	$21,646	$112,886	$11,968,839
17	204	$134,533	$21,444	$113,089	$11,855,750
18	205	$134,533	$21,242	$113,291	$11,742,459
18	206	$134,533	$21,039	$113,494	$11,628,964
18	207	$134,533	$20,835	$113,698	$11,515,267
18	208	$134,533	$20,632	$113,901	$11,401,365
18	209	$134,533	$20,427	$114,105	$11,287,260
18	210	$134,533	$20,223	$114,310	$11,172,950
18	211	$134,533	$20,018	$114,515	$11,058,436
18	212	$134,533	$19,813	$114,720	$10,943,716
18	213	$134,533	$19,607	$114,925	$10,828,791
18	214	$134,533	$19,402	$115,131	$10,713,659
18	215	$134,533	$19,195	$115,338	$10,598,322
18	216	$134,533	$18,989	$115,544	$10,482,778
19	217	$134,533	$18,782	$115,751	$10,367,027
19	218	$134,533	$18,574	$115,959	$10,251,068
19	219	$134,533	$18,366	$116,166	$10,134,902
19	220	$134,533	$18,158	$116,374	$10,018,527
19	221	$134,533	$17,950	$116,583	$9,901,944
19	222	$134,533	$17,741	$116,792	$9,785,152
19	223	$134,533	$17,532	$117,001	$9,668,151
19	224	$134,533	$17,322	$117,211	$9,550,941
19	225	$134,533	$17,112	$117,421	$9,433,520
19	226	$134,533	$16,902	$117,631	$9,315,889
19	227	$134,533	$16,691	$117,842	$9,198,047
19	228	$134,533	$16,480	$118,053	$9,079,994
20	229	$134,533	$16,268	$118,264	$8,961,730
20	230	$134,533	$16,056	$118,476	$8,843,253
20	231	$134,533	$15,844	$118,689	$8,724,565
20	232	$134,533	$15,632	$118,901	$8,605,663
20	233	$134,533	$15,418	$119,114	$8,486,549
20	234	$134,533	$15,205	$119,328	$8,367,221
20	235	$134,533	$14,991	$119,542	$8,247,680
20	236	$134,533	$14,777	$119,756	$8,127,924
20	237	$134,533	$14,563	$119,970	$8,007,954
20	238	$134,533	$14,348	$120,185	$7,887,768
20	239	$134,533	$14,132	$120,401	$7,767,368
20	240	$134,533	$13,917	$120,616	$7,646,752
21	241	$134,533	$13,700	$120,832	$7,525,919
21	242	$134,533	$13,484	$121,049	$7,404,870
21	243	$134,533	$13,267	$121,266	$7,283,605
21	244	$134,533	$13,050	$121,483	$7,162,122
21	245	$134,533	$12,832	$121,701	$7,040,421
21	246	$134,533	$12,614	$121,919	$6,918,502
21	247	$134,533	$12,396	$122,137	$6,796,365
21	248	$134,533	$12,177	$122,356	$6,674,009
21	249	$134,533	$11,958	$122,575	$6,551,434
21	250	$134,533	$11,738	$122,795	$6,428,639
21	251	$134,533	$11,518	$123,015	$6,305,624
21	252	$134,533	$11,298	$123,235	$6,182,389
22	253	$134,533	$11,077	$123,456	$6,058,933
22	254	$134,533	$10,856	$123,677	$5,935,256
22	255	$134,533	$10,634	$123,899	$5,811,357
22	256	$134,533	$10,412	$124,121	$5,687,236
22	257	$134,533	$10,190	$124,343	$5,562,893
22	258	$134,533	$9,967	$124,566	$5,438,327
22	259	$134,533	$9,744	$124,789	$5,313,538
22	260	$134,533	$9,520	$125,013	$5,188,525
22	261	$134,533	$9,296	$125,237	$5,063,288
22	262	$134,533	$9,072	$125,461	$4,937,827
22	263	$134,533	$8,847	$125,686	$4,812,141
22	264	$134,533	$8,622	$125,911	$4,686,230
23	265	$134,533	$8,396	$126,137	$4,560,094
23	266	$134,533	$8,170	$126,363	$4,433,731
23	267	$134,533	$7,944	$126,589	$4,307,142
23	268	$134,533	$7,717	$126,816	$4,180,326
23	269	$134,533	$7,490	$127,043	$4,053,283
23	270	$134,533	$7,262	$127,271	$3,926,012
23	271	$134,533	$7,034	$127,499	$3,798,514
23	272	$134,533	$6,806	$127,727	$3,670,787
23	273	$134,533	$6,577	$127,956	$3,542,831
23	274	$134,533	$6,348	$128,185	$3,414,645
23	275	$134,533	$6,118	$128,415	$3,286,230
23	276	$134,533	$5,888	$128,645	$3,157,585
24	277	$134,533	$5,657	$128,875	$3,028,710
24	278	$134,533	$5,426	$129,106	$2,899,604
24	279	$134,533	$5,195	$129,338	$2,770,266
24	280	$134,533	$4,963	$129,569	$2,640,697
24	281	$134,533	$4,731	$129,802	$2,510,895
24	282	$134,533	$4,499	$130,034	$2,380,861
24	283	$134,533	$4,266	$130,267	$2,250,594
24	284	$134,533	$4,032	$130,500	$2,120,093
24	285	$134,533	$3,799	$130,734	$1,989,359
24	286	$134,533	$3,564	$130,969	$1,858,390
24	287	$134,533	$3,330	$131,203	$1,727,187
24	288	$134,533	$3,095	$131,438	$1,595,749
25	289	$134,533	$2,859	$131,674	$1,464,075
25	290	$134,533	$2,623	$131,910	$1,332,165
25	291	$134,533	$2,387	$132,146	$1,200,019
25	292	$134,533	$2,150	$132,383	$1,067,637
25	293	$134,533	$1,913	$132,620	$935,017
25	294	$134,533	$1,675	$132,858	$802,159
25	295	$134,533	$1,437	$133,096	$669,064
25	296	$134,533	$1,199	$133,334	$535,729
25	297	$134,533	$960	$133,573	$402,157
25	298	$134,533	$721	$133,812	$268,344
25	299	$134,533	$481	$134,052	$134,292
25	300	$134,533	$241	$134,292	$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$ 20,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 21,320,000

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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.