Century 21 Centaland Property

Down Payment (HKD)

$16,720,000

Monthly Repayment (HKD)

$108,144

Loan Amount (HKD)

$25,080,000

Total Interest (HKD)

$7,363,105

Total Repayment (HKD)

$32,443,105

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$108,144	$44,935	$63,209	$25,016,791
1	2	$108,144	$44,822	$63,322	$24,953,469
1	3	$108,144	$44,708	$63,435	$24,890,034
1	4	$108,144	$44,595	$63,549	$24,826,485
1	5	$108,144	$44,481	$63,663	$24,762,822
1	6	$108,144	$44,367	$63,777	$24,699,045
1	7	$108,144	$44,252	$63,891	$24,635,154
1	8	$108,144	$44,138	$64,006	$24,571,148
1	9	$108,144	$44,023	$64,120	$24,507,028
1	10	$108,144	$43,908	$64,235	$24,442,793
1	11	$108,144	$43,793	$64,350	$24,378,442
1	12	$108,144	$43,678	$64,466	$24,313,977
2	13	$108,144	$43,563	$64,581	$24,249,395
2	14	$108,144	$43,447	$64,697	$24,184,699
2	15	$108,144	$43,331	$64,813	$24,119,886
2	16	$108,144	$43,215	$64,929	$24,054,957
2	17	$108,144	$43,098	$65,045	$23,989,912
2	18	$108,144	$42,982	$65,162	$23,924,750
2	19	$108,144	$42,865	$65,279	$23,859,471
2	20	$108,144	$42,748	$65,395	$23,794,076
2	21	$108,144	$42,631	$65,513	$23,728,563
2	22	$108,144	$42,514	$65,630	$23,662,933
2	23	$108,144	$42,396	$65,748	$23,597,186
2	24	$108,144	$42,278	$65,865	$23,531,320
3	25	$108,144	$42,160	$65,983	$23,465,337
3	26	$108,144	$42,042	$66,102	$23,399,235
3	27	$108,144	$41,924	$66,220	$23,333,015
3	28	$108,144	$41,805	$66,339	$23,266,677
3	29	$108,144	$41,686	$66,458	$23,200,219
3	30	$108,144	$41,567	$66,577	$23,133,642
3	31	$108,144	$41,448	$66,696	$23,066,947
3	32	$108,144	$41,328	$66,815	$23,000,131
3	33	$108,144	$41,209	$66,935	$22,933,196
3	34	$108,144	$41,089	$67,055	$22,866,141
3	35	$108,144	$40,969	$67,175	$22,798,966
3	36	$108,144	$40,848	$67,296	$22,731,670
4	37	$108,144	$40,728	$67,416	$22,664,254
4	38	$108,144	$40,607	$67,537	$22,596,717
4	39	$108,144	$40,486	$67,658	$22,529,059
4	40	$108,144	$40,365	$67,779	$22,461,280
4	41	$108,144	$40,243	$67,901	$22,393,380
4	42	$108,144	$40,121	$68,022	$22,325,357
4	43	$108,144	$40,000	$68,144	$22,257,213
4	44	$108,144	$39,878	$68,266	$22,188,947
4	45	$108,144	$39,755	$68,388	$22,120,559
4	46	$108,144	$39,633	$68,511	$22,052,048
4	47	$108,144	$39,510	$68,634	$21,983,414
4	48	$108,144	$39,387	$68,757	$21,914,657
5	49	$108,144	$39,264	$68,880	$21,845,777
5	50	$108,144	$39,140	$69,003	$21,776,774
5	51	$108,144	$39,017	$69,127	$21,707,647
5	52	$108,144	$38,893	$69,251	$21,638,396
5	53	$108,144	$38,769	$69,375	$21,569,021
5	54	$108,144	$38,644	$69,499	$21,499,522
5	55	$108,144	$38,520	$69,624	$21,429,898
5	56	$108,144	$38,395	$69,748	$21,360,150
5	57	$108,144	$38,270	$69,873	$21,290,277
5	58	$108,144	$38,145	$69,999	$21,220,278
5	59	$108,144	$38,020	$70,124	$21,150,154
5	60	$108,144	$37,894	$70,250	$21,079,904
6	61	$108,144	$37,768	$70,376	$21,009,529
6	62	$108,144	$37,642	$70,502	$20,939,027
6	63	$108,144	$37,516	$70,628	$20,868,399
6	64	$108,144	$37,389	$70,754	$20,797,645
6	65	$108,144	$37,262	$70,881	$20,726,763
6	66	$108,144	$37,135	$71,008	$20,655,755
6	67	$108,144	$37,008	$71,135	$20,584,620
6	68	$108,144	$36,881	$71,263	$20,513,357
6	69	$108,144	$36,753	$71,391	$20,441,966
6	70	$108,144	$36,625	$71,518	$20,370,448
6	71	$108,144	$36,497	$71,647	$20,298,801
6	72	$108,144	$36,369	$71,775	$20,227,026
7	73	$108,144	$36,240	$71,904	$20,155,123
7	74	$108,144	$36,111	$72,032	$20,083,090
7	75	$108,144	$35,982	$72,161	$20,010,929
7	76	$108,144	$35,853	$72,291	$19,938,638
7	77	$108,144	$35,723	$72,420	$19,866,218
7	78	$108,144	$35,594	$72,550	$19,793,668
7	79	$108,144	$35,464	$72,680	$19,720,988
7	80	$108,144	$35,333	$72,810	$19,648,177
7	81	$108,144	$35,203	$72,941	$19,575,237
7	82	$108,144	$35,072	$73,071	$19,502,165
7	83	$108,144	$34,941	$73,202	$19,428,963
7	84	$108,144	$34,810	$73,333	$19,355,629
8	85	$108,144	$34,679	$73,465	$19,282,165
8	86	$108,144	$34,547	$73,596	$19,208,568
8	87	$108,144	$34,415	$73,728	$19,134,840
8	88	$108,144	$34,283	$73,860	$19,060,979
8	89	$108,144	$34,151	$73,993	$18,986,987
8	90	$108,144	$34,018	$74,125	$18,912,861
8	91	$108,144	$33,886	$74,258	$18,838,603
8	92	$108,144	$33,752	$74,391	$18,764,212
8	93	$108,144	$33,619	$74,524	$18,689,688
8	94	$108,144	$33,486	$74,658	$18,615,030
8	95	$108,144	$33,352	$74,792	$18,540,238
8	96	$108,144	$33,218	$74,926	$18,465,312
9	97	$108,144	$33,084	$75,060	$18,390,252
9	98	$108,144	$32,949	$75,194	$18,315,058
9	99	$108,144	$32,814	$75,329	$18,239,728
9	100	$108,144	$32,680	$75,464	$18,164,264
9	101	$108,144	$32,544	$75,599	$18,088,665
9	102	$108,144	$32,409	$75,735	$18,012,930
9	103	$108,144	$32,273	$75,871	$17,937,059
9	104	$108,144	$32,137	$76,006	$17,861,053
9	105	$108,144	$32,001	$76,143	$17,784,910
9	106	$108,144	$31,865	$76,279	$17,708,631
9	107	$108,144	$31,728	$76,416	$17,632,216
9	108	$108,144	$31,591	$76,553	$17,555,663
10	109	$108,144	$31,454	$76,690	$17,478,973
10	110	$108,144	$31,316	$76,827	$17,402,146
10	111	$108,144	$31,179	$76,965	$17,325,181
10	112	$108,144	$31,041	$77,103	$17,248,078
10	113	$108,144	$30,903	$77,241	$17,170,838
10	114	$108,144	$30,764	$77,379	$17,093,458
10	115	$108,144	$30,626	$77,518	$17,015,940
10	116	$108,144	$30,487	$77,657	$16,938,284
10	117	$108,144	$30,348	$77,796	$16,860,488
10	118	$108,144	$30,208	$77,935	$16,782,552
10	119	$108,144	$30,069	$78,075	$16,704,477
10	120	$108,144	$29,929	$78,215	$16,626,263
11	121	$108,144	$29,789	$78,355	$16,547,908
11	122	$108,144	$29,648	$78,495	$16,469,412
11	123	$108,144	$29,508	$78,636	$16,390,776
11	124	$108,144	$29,367	$78,777	$16,311,999
11	125	$108,144	$29,226	$78,918	$16,233,081
11	126	$108,144	$29,084	$79,059	$16,154,022
11	127	$108,144	$28,943	$79,201	$16,074,821
11	128	$108,144	$28,801	$79,343	$15,995,478
11	129	$108,144	$28,659	$79,485	$15,915,993
11	130	$108,144	$28,516	$79,628	$15,836,365
11	131	$108,144	$28,373	$79,770	$15,756,595
11	132	$108,144	$28,231	$79,913	$15,676,682
12	133	$108,144	$28,087	$80,056	$15,596,626
12	134	$108,144	$27,944	$80,200	$15,516,426
12	135	$108,144	$27,800	$80,343	$15,436,083
12	136	$108,144	$27,656	$80,487	$15,355,595
12	137	$108,144	$27,512	$80,632	$15,274,964
12	138	$108,144	$27,368	$80,776	$15,194,188
12	139	$108,144	$27,223	$80,921	$15,113,267
12	140	$108,144	$27,078	$81,066	$15,032,201
12	141	$108,144	$26,933	$81,211	$14,950,990
12	142	$108,144	$26,787	$81,356	$14,869,634
12	143	$108,144	$26,641	$81,502	$14,788,131
12	144	$108,144	$26,495	$81,648	$14,706,483
13	145	$108,144	$26,349	$81,795	$14,624,688
13	146	$108,144	$26,203	$81,941	$14,542,747
13	147	$108,144	$26,056	$82,088	$14,460,659
13	148	$108,144	$25,909	$82,235	$14,378,424
13	149	$108,144	$25,761	$82,382	$14,296,042
13	150	$108,144	$25,614	$82,530	$14,213,512
13	151	$108,144	$25,466	$82,678	$14,130,834
13	152	$108,144	$25,318	$82,826	$14,048,008
13	153	$108,144	$25,169	$82,974	$13,965,034
13	154	$108,144	$25,021	$83,123	$13,881,911
13	155	$108,144	$24,872	$83,272	$13,798,639
13	156	$108,144	$24,723	$83,421	$13,715,218
14	157	$108,144	$24,573	$83,571	$13,631,647
14	158	$108,144	$24,423	$83,720	$13,547,927
14	159	$108,144	$24,273	$83,870	$13,464,057
14	160	$108,144	$24,123	$84,021	$13,380,036
14	161	$108,144	$23,973	$84,171	$13,295,865
14	162	$108,144	$23,822	$84,322	$13,211,543
14	163	$108,144	$23,671	$84,473	$13,127,070
14	164	$108,144	$23,519	$84,624	$13,042,446
14	165	$108,144	$23,368	$84,776	$12,957,670
14	166	$108,144	$23,216	$84,928	$12,872,742
14	167	$108,144	$23,064	$85,080	$12,787,662
14	168	$108,144	$22,911	$85,232	$12,702,430
15	169	$108,144	$22,759	$85,385	$12,617,044
15	170	$108,144	$22,606	$85,538	$12,531,506
15	171	$108,144	$22,452	$85,691	$12,445,815
15	172	$108,144	$22,299	$85,845	$12,359,970
15	173	$108,144	$22,145	$85,999	$12,273,971
15	174	$108,144	$21,991	$86,153	$12,187,818
15	175	$108,144	$21,837	$86,307	$12,101,511
15	176	$108,144	$21,682	$86,462	$12,015,049
15	177	$108,144	$21,527	$86,617	$11,928,433
15	178	$108,144	$21,372	$86,772	$11,841,661
15	179	$108,144	$21,216	$86,927	$11,754,733
15	180	$108,144	$21,061	$87,083	$11,667,650
16	181	$108,144	$20,905	$87,239	$11,580,411
16	182	$108,144	$20,748	$87,395	$11,493,016
16	183	$108,144	$20,592	$87,552	$11,405,464
16	184	$108,144	$20,435	$87,709	$11,317,755
16	185	$108,144	$20,278	$87,866	$11,229,889
16	186	$108,144	$20,120	$88,023	$11,141,865
16	187	$108,144	$19,963	$88,181	$11,053,684
16	188	$108,144	$19,805	$88,339	$10,965,345
16	189	$108,144	$19,646	$88,497	$10,876,847
16	190	$108,144	$19,488	$88,656	$10,788,191
16	191	$108,144	$19,329	$88,815	$10,699,377
16	192	$108,144	$19,170	$88,974	$10,610,403
17	193	$108,144	$19,010	$89,133	$10,521,269
17	194	$108,144	$18,851	$89,293	$10,431,976
17	195	$108,144	$18,691	$89,453	$10,342,523
17	196	$108,144	$18,530	$89,613	$10,252,910
17	197	$108,144	$18,370	$89,774	$10,163,136
17	198	$108,144	$18,209	$89,935	$10,073,201
17	199	$108,144	$18,048	$90,096	$9,983,105
17	200	$108,144	$17,886	$90,257	$9,892,848
17	201	$108,144	$17,725	$90,419	$9,802,429
17	202	$108,144	$17,563	$90,581	$9,711,848
17	203	$108,144	$17,400	$90,743	$9,621,105
17	204	$108,144	$17,238	$90,906	$9,530,199
18	205	$108,144	$17,075	$91,069	$9,439,130
18	206	$108,144	$16,912	$91,232	$9,347,898
18	207	$108,144	$16,748	$91,395	$9,256,503
18	208	$108,144	$16,585	$91,559	$9,164,944
18	209	$108,144	$16,421	$91,723	$9,073,221
18	210	$108,144	$16,256	$91,887	$8,981,333
18	211	$108,144	$16,092	$92,052	$8,889,281
18	212	$108,144	$15,927	$92,217	$8,797,064
18	213	$108,144	$15,761	$92,382	$8,704,682
18	214	$108,144	$15,596	$92,548	$8,612,134
18	215	$108,144	$15,430	$92,714	$8,519,420
18	216	$108,144	$15,264	$92,880	$8,426,541
19	217	$108,144	$15,098	$93,046	$8,333,494
19	218	$108,144	$14,931	$93,213	$8,240,282
19	219	$108,144	$14,764	$93,380	$8,146,902
19	220	$108,144	$14,597	$93,547	$8,053,355
19	221	$108,144	$14,429	$93,715	$7,959,640
19	222	$108,144	$14,261	$93,883	$7,865,757
19	223	$108,144	$14,093	$94,051	$7,771,706
19	224	$108,144	$13,924	$94,219	$7,677,487
19	225	$108,144	$13,755	$94,388	$7,583,099
19	226	$108,144	$13,586	$94,557	$7,488,541
19	227	$108,144	$13,417	$94,727	$7,393,815
19	228	$108,144	$13,247	$94,896	$7,298,918
20	229	$108,144	$13,077	$95,066	$7,203,852
20	230	$108,144	$12,907	$95,237	$7,108,615
20	231	$108,144	$12,736	$95,407	$7,013,208
20	232	$108,144	$12,565	$95,578	$6,917,629
20	233	$108,144	$12,394	$95,750	$6,821,880
20	234	$108,144	$12,223	$95,921	$6,725,959
20	235	$108,144	$12,051	$96,093	$6,629,866
20	236	$108,144	$11,879	$96,265	$6,533,600
20	237	$108,144	$11,706	$96,438	$6,437,163
20	238	$108,144	$11,533	$96,610	$6,340,552
20	239	$108,144	$11,360	$96,784	$6,243,769
20	240	$108,144	$11,187	$96,957	$6,146,812
21	241	$108,144	$11,013	$97,131	$6,049,681
21	242	$108,144	$10,839	$97,305	$5,952,377
21	243	$108,144	$10,665	$97,479	$5,854,898
21	244	$108,144	$10,490	$97,654	$5,757,244
21	245	$108,144	$10,315	$97,829	$5,659,415
21	246	$108,144	$10,140	$98,004	$5,561,411
21	247	$108,144	$9,964	$98,179	$5,463,232
21	248	$108,144	$9,788	$98,355	$5,364,876
21	249	$108,144	$9,612	$98,532	$5,266,345
21	250	$108,144	$9,436	$98,708	$5,167,637
21	251	$108,144	$9,259	$98,885	$5,068,752
21	252	$108,144	$9,082	$99,062	$4,969,690
22	253	$108,144	$8,904	$99,240	$4,870,450
22	254	$108,144	$8,726	$99,417	$4,771,032
22	255	$108,144	$8,548	$99,596	$4,671,437
22	256	$108,144	$8,370	$99,774	$4,571,663
22	257	$108,144	$8,191	$99,953	$4,471,710
22	258	$108,144	$8,012	$100,132	$4,371,578
22	259	$108,144	$7,832	$100,311	$4,271,267
22	260	$108,144	$7,653	$100,491	$4,170,776
22	261	$108,144	$7,473	$100,671	$4,070,105
22	262	$108,144	$7,292	$100,851	$3,969,253
22	263	$108,144	$7,112	$101,032	$3,868,221
22	264	$108,144	$6,931	$101,213	$3,767,008
23	265	$108,144	$6,749	$101,394	$3,665,614
23	266	$108,144	$6,568	$101,576	$3,564,038
23	267	$108,144	$6,386	$101,758	$3,462,280
23	268	$108,144	$6,203	$101,940	$3,360,339
23	269	$108,144	$6,021	$102,123	$3,258,216
23	270	$108,144	$5,838	$102,306	$3,155,910
23	271	$108,144	$5,654	$102,489	$3,053,421
23	272	$108,144	$5,471	$102,673	$2,950,748
23	273	$108,144	$5,287	$102,857	$2,847,891
23	274	$108,144	$5,102	$103,041	$2,744,850
23	275	$108,144	$4,918	$103,226	$2,641,624
23	276	$108,144	$4,733	$103,411	$2,538,213
24	277	$108,144	$4,548	$103,596	$2,434,617
24	278	$108,144	$4,362	$103,782	$2,330,835
24	279	$108,144	$4,176	$103,968	$2,226,868
24	280	$108,144	$3,990	$104,154	$2,122,714
24	281	$108,144	$3,803	$104,340	$2,018,373
24	282	$108,144	$3,616	$104,527	$1,913,846
24	283	$108,144	$3,429	$104,715	$1,809,131
24	284	$108,144	$3,241	$104,902	$1,704,229
24	285	$108,144	$3,053	$105,090	$1,599,139
24	286	$108,144	$2,865	$105,279	$1,493,860
24	287	$108,144	$2,676	$105,467	$1,388,393
24	288	$108,144	$2,488	$105,656	$1,282,737
25	289	$108,144	$2,298	$105,845	$1,176,891
25	290	$108,144	$2,109	$106,035	$1,070,856
25	291	$108,144	$1,919	$106,225	$964,631
25	292	$108,144	$1,728	$106,415	$858,216
25	293	$108,144	$1,538	$106,606	$751,610
25	294	$108,144	$1,347	$106,797	$644,813
25	295	$108,144	$1,155	$106,988	$537,824
25	296	$108,144	$964	$107,180	$430,644
25	297	$108,144	$772	$107,372	$323,272
25	298	$108,144	$579	$107,564	$215,707
25	299	$108,144	$386	$107,757	$107,950
25	300	$108,144	$193	$107,950	$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$ 16,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,138,000

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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.