Century 21 Centaland Property

Down Payment (HKD)

$28,752,000

Monthly Repayment (HKD)

$185,966

Loan Amount (HKD)

$43,128,000

Total Interest (HKD)

$12,661,722

Total Repayment (HKD)

$55,789,722

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$185,966	$77,271	$108,695	$43,019,305
1	2	$185,966	$77,076	$108,889	$42,910,416
1	3	$185,966	$76,881	$109,085	$42,801,331
1	4	$185,966	$76,686	$109,280	$42,692,051
1	5	$185,966	$76,490	$109,476	$42,582,575
1	6	$185,966	$76,294	$109,672	$42,472,903
1	7	$185,966	$76,097	$109,868	$42,363,035
1	8	$185,966	$75,900	$110,065	$42,252,970
1	9	$185,966	$75,703	$110,263	$42,142,707
1	10	$185,966	$75,506	$110,460	$42,032,247
1	11	$185,966	$75,308	$110,658	$41,921,589
1	12	$185,966	$75,110	$110,856	$41,810,733
2	13	$185,966	$74,911	$111,055	$41,699,678
2	14	$185,966	$74,712	$111,254	$41,588,424
2	15	$185,966	$74,513	$111,453	$41,476,971
2	16	$185,966	$74,313	$111,653	$41,365,318
2	17	$185,966	$74,113	$111,853	$41,253,465
2	18	$185,966	$73,912	$112,053	$41,141,412
2	19	$185,966	$73,712	$112,254	$41,029,158
2	20	$185,966	$73,511	$112,455	$40,916,703
2	21	$185,966	$73,309	$112,657	$40,804,046
2	22	$185,966	$73,107	$112,858	$40,691,188
2	23	$185,966	$72,905	$113,061	$40,578,127
2	24	$185,966	$72,702	$113,263	$40,464,864
3	25	$185,966	$72,500	$113,466	$40,351,398
3	26	$185,966	$72,296	$113,669	$40,237,728
3	27	$185,966	$72,093	$113,873	$40,123,855
3	28	$185,966	$71,889	$114,077	$40,009,778
3	29	$185,966	$71,684	$114,282	$39,895,496
3	30	$185,966	$71,479	$114,486	$39,781,010
3	31	$185,966	$71,274	$114,691	$39,666,319
3	32	$185,966	$71,069	$114,897	$39,551,422
3	33	$185,966	$70,863	$115,103	$39,436,319
3	34	$185,966	$70,657	$115,309	$39,321,010
3	35	$185,966	$70,450	$115,516	$39,205,494
3	36	$185,966	$70,243	$115,723	$39,089,772
4	37	$185,966	$70,036	$115,930	$38,973,842
4	38	$185,966	$69,828	$116,138	$38,857,704
4	39	$185,966	$69,620	$116,346	$38,741,358
4	40	$185,966	$69,412	$116,554	$38,624,804
4	41	$185,966	$69,203	$116,763	$38,508,041
4	42	$185,966	$68,994	$116,972	$38,391,069
4	43	$185,966	$68,784	$117,182	$38,273,887
4	44	$185,966	$68,574	$117,392	$38,156,496
4	45	$185,966	$68,364	$117,602	$38,038,894
4	46	$185,966	$68,153	$117,813	$37,921,081
4	47	$185,966	$67,942	$118,024	$37,803,057
4	48	$185,966	$67,730	$118,235	$37,684,822
5	49	$185,966	$67,519	$118,447	$37,566,375
5	50	$185,966	$67,306	$118,659	$37,447,716
5	51	$185,966	$67,094	$118,872	$37,328,844
5	52	$185,966	$66,881	$119,085	$37,209,759
5	53	$185,966	$66,667	$119,298	$37,090,461
5	54	$185,966	$66,454	$119,512	$36,970,949
5	55	$185,966	$66,240	$119,726	$36,851,222
5	56	$185,966	$66,025	$119,941	$36,731,282
5	57	$185,966	$65,810	$120,156	$36,611,126
5	58	$185,966	$65,595	$120,371	$36,490,755
5	59	$185,966	$65,379	$120,586	$36,370,169
5	60	$185,966	$65,163	$120,803	$36,249,366
6	61	$185,966	$64,947	$121,019	$36,128,347
6	62	$185,966	$64,730	$121,236	$36,007,112
6	63	$185,966	$64,513	$121,453	$35,885,659
6	64	$185,966	$64,295	$121,671	$35,763,988
6	65	$185,966	$64,077	$121,889	$35,642,100
6	66	$185,966	$63,859	$122,107	$35,519,993
6	67	$185,966	$63,640	$122,326	$35,397,667
6	68	$185,966	$63,421	$122,545	$35,275,122
6	69	$185,966	$63,201	$122,764	$35,152,357
6	70	$185,966	$62,981	$122,984	$35,029,373
6	71	$185,966	$62,761	$123,205	$34,906,168
6	72	$185,966	$62,540	$123,426	$34,782,743
7	73	$185,966	$62,319	$123,647	$34,659,096
7	74	$185,966	$62,098	$123,868	$34,535,228
7	75	$185,966	$61,876	$124,090	$34,411,138
7	76	$185,966	$61,653	$124,312	$34,286,825
7	77	$185,966	$61,431	$124,535	$34,162,290
7	78	$185,966	$61,207	$124,758	$34,037,532
7	79	$185,966	$60,984	$124,982	$33,912,550
7	80	$185,966	$60,760	$125,206	$33,787,344
7	81	$185,966	$60,536	$125,430	$33,661,914
7	82	$185,966	$60,311	$125,655	$33,536,259
7	83	$185,966	$60,086	$125,880	$33,410,379
7	84	$185,966	$59,860	$126,105	$33,284,274
8	85	$185,966	$59,634	$126,331	$33,157,942
8	86	$185,966	$59,408	$126,558	$33,031,385
8	87	$185,966	$59,181	$126,785	$32,904,600
8	88	$185,966	$58,954	$127,012	$32,777,589
8	89	$185,966	$58,727	$127,239	$32,650,349
8	90	$185,966	$58,499	$127,467	$32,522,882
8	91	$185,966	$58,270	$127,696	$32,395,187
8	92	$185,966	$58,041	$127,924	$32,267,262
8	93	$185,966	$57,812	$128,154	$32,139,109
8	94	$185,966	$57,583	$128,383	$32,010,725
8	95	$185,966	$57,353	$128,613	$31,882,112
8	96	$185,966	$57,122	$128,844	$31,753,269
9	97	$185,966	$56,891	$129,074	$31,624,194
9	98	$185,966	$56,660	$129,306	$31,494,888
9	99	$185,966	$56,428	$129,537	$31,365,351
9	100	$185,966	$56,196	$129,769	$31,235,582
9	101	$185,966	$55,964	$130,002	$31,105,580
9	102	$185,966	$55,731	$130,235	$30,975,345
9	103	$185,966	$55,497	$130,468	$30,844,876
9	104	$185,966	$55,264	$130,702	$30,714,174
9	105	$185,966	$55,030	$130,936	$30,583,238
9	106	$185,966	$54,795	$131,171	$30,452,067
9	107	$185,966	$54,560	$131,406	$30,320,662
9	108	$185,966	$54,325	$131,641	$30,189,020
10	109	$185,966	$54,089	$131,877	$30,057,143
10	110	$185,966	$53,852	$132,113	$29,925,030
10	111	$185,966	$53,616	$132,350	$29,792,680
10	112	$185,966	$53,379	$132,587	$29,660,093
10	113	$185,966	$53,141	$132,825	$29,527,268
10	114	$185,966	$52,903	$133,063	$29,394,205
10	115	$185,966	$52,665	$133,301	$29,260,904
10	116	$185,966	$52,426	$133,540	$29,127,364
10	117	$185,966	$52,187	$133,779	$28,993,585
10	118	$185,966	$51,947	$134,019	$28,859,566
10	119	$185,966	$51,707	$134,259	$28,725,307
10	120	$185,966	$51,466	$134,500	$28,590,808
11	121	$185,966	$51,225	$134,741	$28,456,067
11	122	$185,966	$50,984	$134,982	$28,321,085
11	123	$185,966	$50,742	$135,224	$28,185,861
11	124	$185,966	$50,500	$135,466	$28,050,395
11	125	$185,966	$50,257	$135,709	$27,914,686
11	126	$185,966	$50,014	$135,952	$27,778,734
11	127	$185,966	$49,770	$136,196	$27,642,539
11	128	$185,966	$49,526	$136,440	$27,506,099
11	129	$185,966	$49,282	$136,684	$27,369,415
11	130	$185,966	$49,037	$136,929	$27,232,487
11	131	$185,966	$48,792	$137,174	$27,095,312
11	132	$185,966	$48,546	$137,420	$26,957,892
12	133	$185,966	$48,300	$137,666	$26,820,226
12	134	$185,966	$48,053	$137,913	$26,682,313
12	135	$185,966	$47,806	$138,160	$26,544,153
12	136	$185,966	$47,558	$138,407	$26,405,746
12	137	$185,966	$47,310	$138,655	$26,267,091
12	138	$185,966	$47,062	$138,904	$26,128,187
12	139	$185,966	$46,813	$139,153	$25,989,034
12	140	$185,966	$46,564	$139,402	$25,849,632
12	141	$185,966	$46,314	$139,652	$25,709,980
12	142	$185,966	$46,064	$139,902	$25,570,078
12	143	$185,966	$45,813	$140,153	$25,429,925
12	144	$185,966	$45,562	$140,404	$25,289,522
13	145	$185,966	$45,310	$140,655	$25,148,866
13	146	$185,966	$45,058	$140,907	$25,007,959
13	147	$185,966	$44,806	$141,160	$24,866,799
13	148	$185,966	$44,553	$141,413	$24,725,386
13	149	$185,966	$44,300	$141,666	$24,583,720
13	150	$185,966	$44,046	$141,920	$24,441,800
13	151	$185,966	$43,792	$142,174	$24,299,626
13	152	$185,966	$43,537	$142,429	$24,157,197
13	153	$185,966	$43,282	$142,684	$24,014,513
13	154	$185,966	$43,026	$142,940	$23,871,573
13	155	$185,966	$42,770	$143,196	$23,728,378
13	156	$185,966	$42,513	$143,452	$23,584,925
14	157	$185,966	$42,256	$143,709	$23,441,216
14	158	$185,966	$41,999	$143,967	$23,297,249
14	159	$185,966	$41,741	$144,225	$23,153,024
14	160	$185,966	$41,483	$144,483	$23,008,541
14	161	$185,966	$41,224	$144,742	$22,863,799
14	162	$185,966	$40,964	$145,001	$22,718,797
14	163	$185,966	$40,705	$145,261	$22,573,536
14	164	$185,966	$40,444	$145,521	$22,428,015
14	165	$185,966	$40,184	$145,782	$22,282,232
14	166	$185,966	$39,922	$146,043	$22,136,189
14	167	$185,966	$39,661	$146,305	$21,989,884
14	168	$185,966	$39,399	$146,567	$21,843,317
15	169	$185,966	$39,136	$146,830	$21,696,487
15	170	$185,966	$38,873	$147,093	$21,549,394
15	171	$185,966	$38,609	$147,356	$21,402,038
15	172	$185,966	$38,345	$147,620	$21,254,417
15	173	$185,966	$38,081	$147,885	$21,106,532
15	174	$185,966	$37,816	$148,150	$20,958,382
15	175	$185,966	$37,550	$148,415	$20,809,967
15	176	$185,966	$37,285	$148,681	$20,661,286
15	177	$185,966	$37,018	$148,948	$20,512,338
15	178	$185,966	$36,751	$149,214	$20,363,124
15	179	$185,966	$36,484	$149,482	$20,213,642
15	180	$185,966	$36,216	$149,750	$20,063,892
16	181	$185,966	$35,948	$150,018	$19,913,874
16	182	$185,966	$35,679	$150,287	$19,763,588
16	183	$185,966	$35,410	$150,556	$19,613,032
16	184	$185,966	$35,140	$150,826	$19,462,206
16	185	$185,966	$34,870	$151,096	$19,311,110
16	186	$185,966	$34,599	$151,367	$19,159,743
16	187	$185,966	$34,328	$151,638	$19,008,106
16	188	$185,966	$34,056	$151,910	$18,856,196
16	189	$185,966	$33,784	$152,182	$18,704,014
16	190	$185,966	$33,511	$152,454	$18,551,560
16	191	$185,966	$33,238	$152,728	$18,398,832
16	192	$185,966	$32,965	$153,001	$18,245,831
17	193	$185,966	$32,690	$153,275	$18,092,556
17	194	$185,966	$32,416	$153,550	$17,939,006
17	195	$185,966	$32,141	$153,825	$17,785,181
17	196	$185,966	$31,865	$154,101	$17,631,080
17	197	$185,966	$31,589	$154,377	$17,476,704
17	198	$185,966	$31,312	$154,653	$17,322,050
17	199	$185,966	$31,035	$154,930	$17,167,120
17	200	$185,966	$30,758	$155,208	$17,011,912
17	201	$185,966	$30,480	$155,486	$16,856,426
17	202	$185,966	$30,201	$155,765	$16,700,661
17	203	$185,966	$29,922	$156,044	$16,544,618
17	204	$185,966	$29,642	$156,323	$16,388,294
18	205	$185,966	$29,362	$156,603	$16,231,691
18	206	$185,966	$29,082	$156,884	$16,074,807
18	207	$185,966	$28,801	$157,165	$15,917,642
18	208	$185,966	$28,519	$157,447	$15,760,195
18	209	$185,966	$28,237	$157,729	$15,602,467
18	210	$185,966	$27,954	$158,011	$15,444,455
18	211	$185,966	$27,671	$158,294	$15,286,161
18	212	$185,966	$27,388	$158,578	$15,127,583
18	213	$185,966	$27,104	$158,862	$14,968,721
18	214	$185,966	$26,819	$159,147	$14,809,574
18	215	$185,966	$26,534	$159,432	$14,650,142
18	216	$185,966	$26,248	$159,718	$14,490,424
19	217	$185,966	$25,962	$160,004	$14,330,421
19	218	$185,966	$25,675	$160,290	$14,170,130
19	219	$185,966	$25,388	$160,578	$14,009,553
19	220	$185,966	$25,100	$160,865	$13,848,687
19	221	$185,966	$24,812	$161,154	$13,687,534
19	222	$185,966	$24,523	$161,442	$13,526,092
19	223	$185,966	$24,234	$161,731	$13,364,360
19	224	$185,966	$23,944	$162,021	$13,202,339
19	225	$185,966	$23,654	$162,312	$13,040,027
19	226	$185,966	$23,363	$162,602	$12,877,425
19	227	$185,966	$23,072	$162,894	$12,714,531
19	228	$185,966	$22,780	$163,186	$12,551,346
20	229	$185,966	$22,488	$163,478	$12,387,868
20	230	$185,966	$22,195	$163,771	$12,224,097
20	231	$185,966	$21,902	$164,064	$12,060,033
20	232	$185,966	$21,608	$164,358	$11,895,675
20	233	$185,966	$21,313	$164,653	$11,731,022
20	234	$185,966	$21,018	$164,948	$11,566,074
20	235	$185,966	$20,723	$165,243	$11,400,831
20	236	$185,966	$20,426	$165,539	$11,235,292
20	237	$185,966	$20,130	$165,836	$11,069,456
20	238	$185,966	$19,833	$166,133	$10,903,323
20	239	$185,966	$19,535	$166,431	$10,736,892
20	240	$185,966	$19,237	$166,729	$10,570,164
21	241	$185,966	$18,938	$167,028	$10,403,136
21	242	$185,966	$18,639	$167,327	$10,235,809
21	243	$185,966	$18,339	$167,627	$10,068,183
21	244	$185,966	$18,039	$167,927	$9,900,256
21	245	$185,966	$17,738	$168,228	$9,732,028
21	246	$185,966	$17,437	$168,529	$9,563,499
21	247	$185,966	$17,135	$168,831	$9,394,668
21	248	$185,966	$16,832	$169,134	$9,225,534
21	249	$185,966	$16,529	$169,437	$9,056,097
21	250	$185,966	$16,226	$169,740	$8,886,357
21	251	$185,966	$15,921	$170,044	$8,716,313
21	252	$185,966	$15,617	$170,349	$8,545,964
22	253	$185,966	$15,312	$170,654	$8,375,310
22	254	$185,966	$15,006	$170,960	$8,204,350
22	255	$185,966	$14,699	$171,266	$8,033,083
22	256	$185,966	$14,393	$171,573	$7,861,510
22	257	$185,966	$14,085	$171,881	$7,689,630
22	258	$185,966	$13,777	$172,188	$7,517,441
22	259	$185,966	$13,469	$172,497	$7,344,944
22	260	$185,966	$13,160	$172,806	$7,172,138
22	261	$185,966	$12,850	$173,116	$6,999,022
22	262	$185,966	$12,540	$173,426	$6,825,597
22	263	$185,966	$12,229	$173,737	$6,651,860
22	264	$185,966	$11,918	$174,048	$6,477,812
23	265	$185,966	$11,606	$174,360	$6,303,453
23	266	$185,966	$11,294	$174,672	$6,128,781
23	267	$185,966	$10,981	$174,985	$5,953,796
23	268	$185,966	$10,667	$175,299	$5,778,497
23	269	$185,966	$10,353	$175,613	$5,602,884
23	270	$185,966	$10,039	$175,927	$5,426,957
23	271	$185,966	$9,723	$176,242	$5,250,715
23	272	$185,966	$9,408	$176,558	$5,074,157
23	273	$185,966	$9,091	$176,875	$4,897,282
23	274	$185,966	$8,774	$177,191	$4,720,091
23	275	$185,966	$8,457	$177,509	$4,542,582
23	276	$185,966	$8,139	$177,827	$4,364,755
24	277	$185,966	$7,820	$178,146	$4,186,609
24	278	$185,966	$7,501	$178,465	$4,008,144
24	279	$185,966	$7,181	$178,784	$3,829,360
24	280	$185,966	$6,861	$179,105	$3,650,255
24	281	$185,966	$6,540	$179,426	$3,470,829
24	282	$185,966	$6,219	$179,747	$3,291,082
24	283	$185,966	$5,897	$180,069	$3,111,013
24	284	$185,966	$5,574	$180,392	$2,930,621
24	285	$185,966	$5,251	$180,715	$2,749,906
24	286	$185,966	$4,927	$181,039	$2,568,867
24	287	$185,966	$4,603	$181,363	$2,387,504
24	288	$185,966	$4,278	$181,688	$2,205,816
25	289	$185,966	$3,952	$182,014	$2,023,802
25	290	$185,966	$3,626	$182,340	$1,841,463
25	291	$185,966	$3,299	$182,666	$1,658,796
25	292	$185,966	$2,972	$182,994	$1,475,802
25	293	$185,966	$2,644	$183,322	$1,292,481
25	294	$185,966	$2,316	$183,650	$1,108,831
25	295	$185,966	$1,987	$183,979	$924,852
25	296	$185,966	$1,657	$184,309	$740,543
25	297	$185,966	$1,327	$184,639	$555,904
25	298	$185,966	$996	$184,970	$370,934
25	299	$185,966	$665	$185,301	$185,633
25	300	$185,966	$333	$185,633	$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$ 28,752,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 29,470,800

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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.