Century 21 Centaland Property

Down Payment (HKD)

$15,960,000

Monthly Repayment (HKD)

$103,228

Loan Amount (HKD)

$23,940,000

Total Interest (HKD)

$7,028,418

Total Repayment (HKD)

$30,968,418

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$103,228	$42,893	$60,336	$23,879,664
1	2	$103,228	$42,784	$60,444	$23,819,221
1	3	$103,228	$42,676	$60,552	$23,758,669
1	4	$103,228	$42,568	$60,660	$23,698,008
1	5	$103,228	$42,459	$60,769	$23,637,239
1	6	$103,228	$42,350	$60,878	$23,576,361
1	7	$103,228	$42,241	$60,987	$23,515,374
1	8	$103,228	$42,132	$61,096	$23,454,278
1	9	$103,228	$42,022	$61,206	$23,393,072
1	10	$103,228	$41,913	$61,315	$23,331,757
1	11	$103,228	$41,803	$61,425	$23,270,331
1	12	$103,228	$41,693	$61,535	$23,208,796
2	13	$103,228	$41,582	$61,646	$23,147,150
2	14	$103,228	$41,472	$61,756	$23,085,394
2	15	$103,228	$41,361	$61,867	$23,023,527
2	16	$103,228	$41,250	$61,978	$22,961,550
2	17	$103,228	$41,139	$62,089	$22,899,461
2	18	$103,228	$41,028	$62,200	$22,837,261
2	19	$103,228	$40,917	$62,311	$22,774,950
2	20	$103,228	$40,805	$62,423	$22,712,527
2	21	$103,228	$40,693	$62,535	$22,649,992
2	22	$103,228	$40,581	$62,647	$22,587,345
2	23	$103,228	$40,469	$62,759	$22,524,586
2	24	$103,228	$40,357	$62,872	$22,461,715
3	25	$103,228	$40,244	$62,984	$22,398,731
3	26	$103,228	$40,131	$63,097	$22,335,634
3	27	$103,228	$40,018	$63,210	$22,272,424
3	28	$103,228	$39,905	$63,323	$22,209,100
3	29	$103,228	$39,791	$63,437	$22,145,664
3	30	$103,228	$39,678	$63,550	$22,082,113
3	31	$103,228	$39,564	$63,664	$22,018,449
3	32	$103,228	$39,450	$63,778	$21,954,671
3	33	$103,228	$39,335	$63,893	$21,890,778
3	34	$103,228	$39,221	$64,007	$21,826,771
3	35	$103,228	$39,106	$64,122	$21,762,649
3	36	$103,228	$38,991	$64,237	$21,698,412
4	37	$103,228	$38,876	$64,352	$21,634,061
4	38	$103,228	$38,761	$64,467	$21,569,594
4	39	$103,228	$38,646	$64,583	$21,505,011
4	40	$103,228	$38,530	$64,698	$21,440,313
4	41	$103,228	$38,414	$64,814	$21,375,499
4	42	$103,228	$38,298	$64,930	$21,310,568
4	43	$103,228	$38,181	$65,047	$21,245,522
4	44	$103,228	$38,065	$65,163	$21,180,359
4	45	$103,228	$37,948	$65,280	$21,115,079
4	46	$103,228	$37,831	$65,397	$21,049,682
4	47	$103,228	$37,714	$65,514	$20,984,168
4	48	$103,228	$37,597	$65,631	$20,918,536
5	49	$103,228	$37,479	$65,749	$20,852,787
5	50	$103,228	$37,361	$65,867	$20,786,921
5	51	$103,228	$37,243	$65,985	$20,720,936
5	52	$103,228	$37,125	$66,103	$20,654,833
5	53	$103,228	$37,007	$66,221	$20,588,611
5	54	$103,228	$36,888	$66,340	$20,522,271
5	55	$103,228	$36,769	$66,459	$20,455,812
5	56	$103,228	$36,650	$66,578	$20,389,234
5	57	$103,228	$36,531	$66,697	$20,322,537
5	58	$103,228	$36,411	$66,817	$20,255,720
5	59	$103,228	$36,291	$66,937	$20,188,783
5	60	$103,228	$36,172	$67,056	$20,121,727
6	61	$103,228	$36,051	$67,177	$20,054,550
6	62	$103,228	$35,931	$67,297	$19,987,253
6	63	$103,228	$35,810	$67,418	$19,919,836
6	64	$103,228	$35,690	$67,538	$19,852,297
6	65	$103,228	$35,569	$67,659	$19,784,638
6	66	$103,228	$35,447	$67,781	$19,716,857
6	67	$103,228	$35,326	$67,902	$19,648,955
6	68	$103,228	$35,204	$68,024	$19,580,932
6	69	$103,228	$35,083	$68,146	$19,512,786
6	70	$103,228	$34,960	$68,268	$19,444,518
6	71	$103,228	$34,838	$68,390	$19,376,128
6	72	$103,228	$34,716	$68,512	$19,307,616
7	73	$103,228	$34,593	$68,635	$19,238,981
7	74	$103,228	$34,470	$68,758	$19,170,222
7	75	$103,228	$34,347	$68,881	$19,101,341
7	76	$103,228	$34,223	$69,005	$19,032,336
7	77	$103,228	$34,100	$69,128	$18,963,208
7	78	$103,228	$33,976	$69,252	$18,893,955
7	79	$103,228	$33,852	$69,376	$18,824,579
7	80	$103,228	$33,727	$69,501	$18,755,078
7	81	$103,228	$33,603	$69,625	$18,685,453
7	82	$103,228	$33,478	$69,750	$18,615,703
7	83	$103,228	$33,353	$69,875	$18,545,828
7	84	$103,228	$33,228	$70,000	$18,475,828
8	85	$103,228	$33,103	$70,126	$18,405,703
8	86	$103,228	$32,977	$70,251	$18,335,451
8	87	$103,228	$32,851	$70,377	$18,265,074
8	88	$103,228	$32,725	$70,503	$18,194,571
8	89	$103,228	$32,599	$70,629	$18,123,942
8	90	$103,228	$32,472	$70,756	$18,053,186
8	91	$103,228	$32,345	$70,883	$17,982,303
8	92	$103,228	$32,218	$71,010	$17,911,293
8	93	$103,228	$32,091	$71,137	$17,840,156
8	94	$103,228	$31,964	$71,264	$17,768,892
8	95	$103,228	$31,836	$71,392	$17,697,500
8	96	$103,228	$31,708	$71,520	$17,625,980
9	97	$103,228	$31,580	$71,648	$17,554,331
9	98	$103,228	$31,452	$71,777	$17,482,555
9	99	$103,228	$31,323	$71,905	$17,410,650
9	100	$103,228	$31,194	$72,034	$17,338,616
9	101	$103,228	$31,065	$72,163	$17,266,453
9	102	$103,228	$30,936	$72,292	$17,194,160
9	103	$103,228	$30,806	$72,422	$17,121,739
9	104	$103,228	$30,676	$72,552	$17,049,187
9	105	$103,228	$30,546	$72,682	$16,976,505
9	106	$103,228	$30,416	$72,812	$16,903,694
9	107	$103,228	$30,286	$72,942	$16,830,751
9	108	$103,228	$30,155	$73,073	$16,757,678
10	109	$103,228	$30,024	$73,204	$16,684,474
10	110	$103,228	$29,893	$73,335	$16,611,139
10	111	$103,228	$29,762	$73,466	$16,537,673
10	112	$103,228	$29,630	$73,598	$16,464,075
10	113	$103,228	$29,498	$73,730	$16,390,345
10	114	$103,228	$29,366	$73,862	$16,316,483
10	115	$103,228	$29,234	$73,994	$16,242,489
10	116	$103,228	$29,101	$74,127	$16,168,362
10	117	$103,228	$28,968	$74,260	$16,094,102
10	118	$103,228	$28,835	$74,393	$16,019,709
10	119	$103,228	$28,702	$74,526	$15,945,183
10	120	$103,228	$28,568	$74,660	$15,870,523
11	121	$103,228	$28,435	$74,793	$15,795,730
11	122	$103,228	$28,301	$74,927	$15,720,803
11	123	$103,228	$28,166	$75,062	$15,645,741
11	124	$103,228	$28,032	$75,196	$15,570,545
11	125	$103,228	$27,897	$75,331	$15,495,214
11	126	$103,228	$27,762	$75,466	$15,419,748
11	127	$103,228	$27,627	$75,601	$15,344,147
11	128	$103,228	$27,492	$75,736	$15,268,411
11	129	$103,228	$27,356	$75,872	$15,192,539
11	130	$103,228	$27,220	$76,008	$15,116,531
11	131	$103,228	$27,084	$76,144	$15,040,386
11	132	$103,228	$26,947	$76,281	$14,964,106
12	133	$103,228	$26,811	$76,417	$14,887,688
12	134	$103,228	$26,674	$76,554	$14,811,134
12	135	$103,228	$26,537	$76,691	$14,734,442
12	136	$103,228	$26,399	$76,829	$14,657,614
12	137	$103,228	$26,262	$76,967	$14,580,647
12	138	$103,228	$26,124	$77,104	$14,503,543
12	139	$103,228	$25,986	$77,243	$14,426,300
12	140	$103,228	$25,847	$77,381	$14,348,919
12	141	$103,228	$25,708	$77,520	$14,271,400
12	142	$103,228	$25,570	$77,658	$14,193,741
12	143	$103,228	$25,430	$77,798	$14,115,944
12	144	$103,228	$25,291	$77,937	$14,038,007
13	145	$103,228	$25,151	$78,077	$13,959,930
13	146	$103,228	$25,012	$78,217	$13,881,713
13	147	$103,228	$24,871	$78,357	$13,803,357
13	148	$103,228	$24,731	$78,497	$13,724,860
13	149	$103,228	$24,590	$78,638	$13,646,222
13	150	$103,228	$24,449	$78,779	$13,567,443
13	151	$103,228	$24,308	$78,920	$13,488,524
13	152	$103,228	$24,167	$79,061	$13,409,463
13	153	$103,228	$24,025	$79,203	$13,330,260
13	154	$103,228	$23,883	$79,345	$13,250,915
13	155	$103,228	$23,741	$79,487	$13,171,428
13	156	$103,228	$23,599	$79,629	$13,091,799
14	157	$103,228	$23,456	$79,772	$13,012,027
14	158	$103,228	$23,313	$79,915	$12,932,112
14	159	$103,228	$23,170	$80,058	$12,852,054
14	160	$103,228	$23,027	$80,201	$12,771,853
14	161	$103,228	$22,883	$80,345	$12,691,508
14	162	$103,228	$22,739	$80,489	$12,611,019
14	163	$103,228	$22,595	$80,633	$12,530,385
14	164	$103,228	$22,450	$80,778	$12,449,607
14	165	$103,228	$22,306	$80,923	$12,368,685
14	166	$103,228	$22,161	$81,068	$12,287,617
14	167	$103,228	$22,015	$81,213	$12,206,405
14	168	$103,228	$21,870	$81,358	$12,125,046
15	169	$103,228	$21,724	$81,504	$12,043,542
15	170	$103,228	$21,578	$81,650	$11,961,892
15	171	$103,228	$21,432	$81,796	$11,880,096
15	172	$103,228	$21,285	$81,943	$11,798,153
15	173	$103,228	$21,138	$82,090	$11,716,063
15	174	$103,228	$20,991	$82,237	$11,633,827
15	175	$103,228	$20,844	$82,384	$11,551,443
15	176	$103,228	$20,696	$82,532	$11,468,911
15	177	$103,228	$20,548	$82,680	$11,386,231
15	178	$103,228	$20,400	$82,828	$11,303,403
15	179	$103,228	$20,252	$82,976	$11,220,427
15	180	$103,228	$20,103	$83,125	$11,137,303
16	181	$103,228	$19,954	$83,274	$11,054,029
16	182	$103,228	$19,805	$83,423	$10,970,606
16	183	$103,228	$19,656	$83,572	$10,887,033
16	184	$103,228	$19,506	$83,722	$10,803,311
16	185	$103,228	$19,356	$83,872	$10,719,439
16	186	$103,228	$19,206	$84,022	$10,635,417
16	187	$103,228	$19,055	$84,173	$10,551,244
16	188	$103,228	$18,904	$84,324	$10,466,920
16	189	$103,228	$18,753	$84,475	$10,382,445
16	190	$103,228	$18,602	$84,626	$10,297,819
16	191	$103,228	$18,450	$84,778	$10,213,041
16	192	$103,228	$18,298	$84,930	$10,128,112
17	193	$103,228	$18,146	$85,082	$10,043,030
17	194	$103,228	$17,994	$85,234	$9,957,795
17	195	$103,228	$17,841	$85,387	$9,872,408
17	196	$103,228	$17,688	$85,540	$9,786,868
17	197	$103,228	$17,535	$85,693	$9,701,175
17	198	$103,228	$17,381	$85,847	$9,615,328
17	199	$103,228	$17,227	$86,001	$9,529,328
17	200	$103,228	$17,073	$86,155	$9,443,173
17	201	$103,228	$16,919	$86,309	$9,356,864
17	202	$103,228	$16,764	$86,464	$9,270,400
17	203	$103,228	$16,609	$86,619	$9,183,782
17	204	$103,228	$16,454	$86,774	$9,097,008
18	205	$103,228	$16,299	$86,929	$9,010,079
18	206	$103,228	$16,143	$87,085	$8,922,994
18	207	$103,228	$15,987	$87,241	$8,835,753
18	208	$103,228	$15,831	$87,397	$8,748,355
18	209	$103,228	$15,674	$87,554	$8,660,802
18	210	$103,228	$15,517	$87,711	$8,573,091
18	211	$103,228	$15,360	$87,868	$8,485,223
18	212	$103,228	$15,203	$88,025	$8,397,197
18	213	$103,228	$15,045	$88,183	$8,309,014
18	214	$103,228	$14,887	$88,341	$8,220,673
18	215	$103,228	$14,729	$88,499	$8,132,174
18	216	$103,228	$14,570	$88,658	$8,043,516
19	217	$103,228	$14,411	$88,817	$7,954,699
19	218	$103,228	$14,252	$88,976	$7,865,723
19	219	$103,228	$14,093	$89,135	$7,776,588
19	220	$103,228	$13,933	$89,295	$7,687,293
19	221	$103,228	$13,773	$89,455	$7,597,838
19	222	$103,228	$13,613	$89,615	$7,508,223
19	223	$103,228	$13,452	$89,776	$7,418,447
19	224	$103,228	$13,291	$89,937	$7,328,510
19	225	$103,228	$13,130	$90,098	$7,238,412
19	226	$103,228	$12,969	$90,259	$7,148,153
19	227	$103,228	$12,807	$90,421	$7,057,732
19	228	$103,228	$12,645	$90,583	$6,967,149
20	229	$103,228	$12,483	$90,745	$6,876,404
20	230	$103,228	$12,320	$90,908	$6,785,496
20	231	$103,228	$12,157	$91,071	$6,694,426
20	232	$103,228	$11,994	$91,234	$6,603,192
20	233	$103,228	$11,831	$91,397	$6,511,794
20	234	$103,228	$11,667	$91,561	$6,420,233
20	235	$103,228	$11,503	$91,725	$6,328,508
20	236	$103,228	$11,339	$91,889	$6,236,619
20	237	$103,228	$11,174	$92,054	$6,144,564
20	238	$103,228	$11,009	$92,219	$6,052,345
20	239	$103,228	$10,844	$92,384	$5,959,961
20	240	$103,228	$10,678	$92,550	$5,867,411
21	241	$103,228	$10,512	$92,716	$5,774,696
21	242	$103,228	$10,346	$92,882	$5,681,814
21	243	$103,228	$10,180	$93,048	$5,588,766
21	244	$103,228	$10,013	$93,215	$5,495,551
21	245	$103,228	$9,846	$93,382	$5,402,169
21	246	$103,228	$9,679	$93,549	$5,308,620
21	247	$103,228	$9,511	$93,717	$5,214,903
21	248	$103,228	$9,343	$93,885	$5,121,018
21	249	$103,228	$9,175	$94,053	$5,026,966
21	250	$103,228	$9,007	$94,221	$4,932,744
21	251	$103,228	$8,838	$94,390	$4,838,354
21	252	$103,228	$8,669	$94,559	$4,743,795
22	253	$103,228	$8,499	$94,729	$4,649,066
22	254	$103,228	$8,330	$94,898	$4,554,167
22	255	$103,228	$8,160	$95,069	$4,459,099
22	256	$103,228	$7,989	$95,239	$4,363,860
22	257	$103,228	$7,819	$95,409	$4,268,450
22	258	$103,228	$7,648	$95,580	$4,172,870
22	259	$103,228	$7,476	$95,752	$4,077,118
22	260	$103,228	$7,305	$95,923	$3,981,195
22	261	$103,228	$7,133	$96,095	$3,885,100
22	262	$103,228	$6,961	$96,267	$3,788,833
22	263	$103,228	$6,788	$96,440	$3,692,393
22	264	$103,228	$6,616	$96,613	$3,595,781
23	265	$103,228	$6,442	$96,786	$3,498,995
23	266	$103,228	$6,269	$96,959	$3,402,036
23	267	$103,228	$6,095	$97,133	$3,304,903
23	268	$103,228	$5,921	$97,307	$3,207,596
23	269	$103,228	$5,747	$97,481	$3,110,115
23	270	$103,228	$5,572	$97,656	$3,012,460
23	271	$103,228	$5,397	$97,831	$2,914,629
23	272	$103,228	$5,222	$98,006	$2,816,623
23	273	$103,228	$5,046	$98,182	$2,718,441
23	274	$103,228	$4,871	$98,358	$2,620,084
23	275	$103,228	$4,694	$98,534	$2,521,550
23	276	$103,228	$4,518	$98,710	$2,422,840
24	277	$103,228	$4,341	$98,887	$2,323,952
24	278	$103,228	$4,164	$99,064	$2,224,888
24	279	$103,228	$3,986	$99,242	$2,125,646
24	280	$103,228	$3,808	$99,420	$2,026,227
24	281	$103,228	$3,630	$99,598	$1,926,629
24	282	$103,228	$3,452	$99,776	$1,826,853
24	283	$103,228	$3,273	$99,955	$1,726,898
24	284	$103,228	$3,094	$100,134	$1,626,764
24	285	$103,228	$2,915	$100,313	$1,526,450
24	286	$103,228	$2,735	$100,493	$1,425,957
24	287	$103,228	$2,555	$100,673	$1,325,284
24	288	$103,228	$2,374	$100,854	$1,224,430
25	289	$103,228	$2,194	$101,034	$1,123,396
25	290	$103,228	$2,013	$101,215	$1,022,181
25	291	$103,228	$1,831	$101,397	$920,784
25	292	$103,228	$1,650	$101,578	$819,206
25	293	$103,228	$1,468	$101,760	$717,446
25	294	$103,228	$1,285	$101,943	$615,503
25	295	$103,228	$1,103	$102,125	$513,378
25	296	$103,228	$920	$102,308	$411,069
25	297	$103,228	$736	$102,492	$308,578
25	298	$103,228	$553	$102,675	$205,903
25	299	$103,228	$369	$102,859	$103,043
25	300	$103,228	$185	$103,043	$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$ 15,960,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 16,359,000

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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.