Century 21 Centaland Property

Down Payment (HKD)

$14,000,000

Monthly Repayment (HKD)

$90,551

Loan Amount (HKD)

$21,000,000

Total Interest (HKD)

$6,165,279

Total Repayment (HKD)

$27,165,279

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$90,551	$37,625	$52,926	$20,947,074
1	2	$90,551	$37,530	$53,021	$20,894,053
1	3	$90,551	$37,435	$53,116	$20,840,938
1	4	$90,551	$37,340	$53,211	$20,787,727
1	5	$90,551	$37,245	$53,306	$20,734,420
1	6	$90,551	$37,149	$53,402	$20,681,019
1	7	$90,551	$37,053	$53,497	$20,627,521
1	8	$90,551	$36,958	$53,593	$20,573,928
1	9	$90,551	$36,862	$53,689	$20,520,239
1	10	$90,551	$36,765	$53,786	$20,466,453
1	11	$90,551	$36,669	$53,882	$20,412,571
1	12	$90,551	$36,573	$53,978	$20,358,593
2	13	$90,551	$36,476	$54,075	$20,304,518
2	14	$90,551	$36,379	$54,172	$20,250,346
2	15	$90,551	$36,282	$54,269	$20,196,077
2	16	$90,551	$36,185	$54,366	$20,141,710
2	17	$90,551	$36,087	$54,464	$20,087,247
2	18	$90,551	$35,990	$54,561	$20,032,685
2	19	$90,551	$35,892	$54,659	$19,978,026
2	20	$90,551	$35,794	$54,757	$19,923,269
2	21	$90,551	$35,696	$54,855	$19,868,414
2	22	$90,551	$35,598	$54,953	$19,813,461
2	23	$90,551	$35,499	$55,052	$19,758,409
2	24	$90,551	$35,400	$55,150	$19,703,259
3	25	$90,551	$35,302	$55,249	$19,648,009
3	26	$90,551	$35,203	$55,348	$19,592,661
3	27	$90,551	$35,104	$55,447	$19,537,214
3	28	$90,551	$35,004	$55,547	$19,481,667
3	29	$90,551	$34,905	$55,646	$19,426,021
3	30	$90,551	$34,805	$55,746	$19,370,275
3	31	$90,551	$34,705	$55,846	$19,314,429
3	32	$90,551	$34,605	$55,946	$19,258,483
3	33	$90,551	$34,505	$56,046	$19,202,437
3	34	$90,551	$34,404	$56,147	$19,146,290
3	35	$90,551	$34,304	$56,247	$19,090,043
3	36	$90,551	$34,203	$56,348	$19,033,695
4	37	$90,551	$34,102	$56,449	$18,977,246
4	38	$90,551	$34,001	$56,550	$18,920,696
4	39	$90,551	$33,900	$56,651	$18,864,045
4	40	$90,551	$33,798	$56,753	$18,807,292
4	41	$90,551	$33,696	$56,855	$18,750,438
4	42	$90,551	$33,595	$56,956	$18,693,481
4	43	$90,551	$33,492	$57,058	$18,636,423
4	44	$90,551	$33,390	$57,161	$18,579,262
4	45	$90,551	$33,288	$57,263	$18,521,999
4	46	$90,551	$33,185	$57,366	$18,464,633
4	47	$90,551	$33,082	$57,468	$18,407,165
4	48	$90,551	$32,980	$57,571	$18,349,593
5	49	$90,551	$32,876	$57,675	$18,291,919
5	50	$90,551	$32,773	$57,778	$18,234,141
5	51	$90,551	$32,670	$57,881	$18,176,259
5	52	$90,551	$32,566	$57,985	$18,118,274
5	53	$90,551	$32,462	$58,089	$18,060,185
5	54	$90,551	$32,358	$58,193	$18,001,992
5	55	$90,551	$32,254	$58,297	$17,943,695
5	56	$90,551	$32,149	$58,402	$17,885,293
5	57	$90,551	$32,044	$58,506	$17,826,787
5	58	$90,551	$31,940	$58,611	$17,768,175
5	59	$90,551	$31,835	$58,716	$17,709,459
5	60	$90,551	$31,729	$58,821	$17,650,638
6	61	$90,551	$31,624	$58,927	$17,591,711
6	62	$90,551	$31,518	$59,032	$17,532,678
6	63	$90,551	$31,413	$59,138	$17,473,540
6	64	$90,551	$31,307	$59,244	$17,414,296
6	65	$90,551	$31,201	$59,350	$17,354,946
6	66	$90,551	$31,094	$59,457	$17,295,489
6	67	$90,551	$30,988	$59,563	$17,235,926
6	68	$90,551	$30,881	$59,670	$17,176,256
6	69	$90,551	$30,774	$59,777	$17,116,479
6	70	$90,551	$30,667	$59,884	$17,056,595
6	71	$90,551	$30,560	$59,991	$16,996,604
6	72	$90,551	$30,452	$60,099	$16,936,505
7	73	$90,551	$30,345	$60,206	$16,876,299
7	74	$90,551	$30,237	$60,314	$16,815,985
7	75	$90,551	$30,129	$60,422	$16,755,562
7	76	$90,551	$30,020	$60,531	$16,695,032
7	77	$90,551	$29,912	$60,639	$16,634,393
7	78	$90,551	$29,803	$60,748	$16,573,645
7	79	$90,551	$29,694	$60,856	$16,512,789
7	80	$90,551	$29,585	$60,966	$16,451,823
7	81	$90,551	$29,476	$61,075	$16,390,748
7	82	$90,551	$29,367	$61,184	$16,329,564
7	83	$90,551	$29,257	$61,294	$16,268,270
7	84	$90,551	$29,147	$61,404	$16,206,867
8	85	$90,551	$29,037	$61,514	$16,145,353
8	86	$90,551	$28,927	$61,624	$16,083,729
8	87	$90,551	$28,817	$61,734	$16,021,995
8	88	$90,551	$28,706	$61,845	$15,960,150
8	89	$90,551	$28,595	$61,956	$15,898,195
8	90	$90,551	$28,484	$62,067	$15,836,128
8	91	$90,551	$28,373	$62,178	$15,773,950
8	92	$90,551	$28,262	$62,289	$15,711,661
8	93	$90,551	$28,150	$62,401	$15,649,260
8	94	$90,551	$28,038	$62,513	$15,586,747
8	95	$90,551	$27,926	$62,625	$15,524,123
8	96	$90,551	$27,814	$62,737	$15,461,386
9	97	$90,551	$27,702	$62,849	$15,398,536
9	98	$90,551	$27,589	$62,962	$15,335,574
9	99	$90,551	$27,476	$63,075	$15,272,500
9	100	$90,551	$27,363	$63,188	$15,209,312
9	101	$90,551	$27,250	$63,301	$15,146,011
9	102	$90,551	$27,137	$63,414	$15,082,597
9	103	$90,551	$27,023	$63,528	$15,019,069
9	104	$90,551	$26,909	$63,642	$14,955,427
9	105	$90,551	$26,795	$63,756	$14,891,671
9	106	$90,551	$26,681	$63,870	$14,827,801
9	107	$90,551	$26,566	$63,984	$14,763,817
9	108	$90,551	$26,452	$64,099	$14,699,718
10	109	$90,551	$26,337	$64,214	$14,635,504
10	110	$90,551	$26,222	$64,329	$14,571,175
10	111	$90,551	$26,107	$64,444	$14,506,731
10	112	$90,551	$25,991	$64,560	$14,442,171
10	113	$90,551	$25,876	$64,675	$14,377,496
10	114	$90,551	$25,760	$64,791	$14,312,704
10	115	$90,551	$25,644	$64,907	$14,247,797
10	116	$90,551	$25,527	$65,024	$14,182,773
10	117	$90,551	$25,411	$65,140	$14,117,633
10	118	$90,551	$25,294	$65,257	$14,052,376
10	119	$90,551	$25,177	$65,374	$13,987,003
10	120	$90,551	$25,060	$65,491	$13,921,512
11	121	$90,551	$24,943	$65,608	$13,855,904
11	122	$90,551	$24,825	$65,726	$13,790,178
11	123	$90,551	$24,707	$65,844	$13,724,334
11	124	$90,551	$24,589	$65,961	$13,658,373
11	125	$90,551	$24,471	$66,080	$13,592,293
11	126	$90,551	$24,353	$66,198	$13,526,095
11	127	$90,551	$24,234	$66,317	$13,459,778
11	128	$90,551	$24,115	$66,435	$13,393,343
11	129	$90,551	$23,996	$66,555	$13,326,788
11	130	$90,551	$23,877	$66,674	$13,260,115
11	131	$90,551	$23,758	$66,793	$13,193,321
11	132	$90,551	$23,638	$66,913	$13,126,408
12	133	$90,551	$23,518	$67,033	$13,059,376
12	134	$90,551	$23,398	$67,153	$12,992,223
12	135	$90,551	$23,278	$67,273	$12,924,950
12	136	$90,551	$23,157	$67,394	$12,857,556
12	137	$90,551	$23,036	$67,514	$12,790,041
12	138	$90,551	$22,915	$67,635	$12,722,406
12	139	$90,551	$22,794	$67,757	$12,654,649
12	140	$90,551	$22,673	$67,878	$12,586,771
12	141	$90,551	$22,551	$68,000	$12,518,772
12	142	$90,551	$22,429	$68,121	$12,450,650
12	143	$90,551	$22,307	$68,244	$12,382,407
12	144	$90,551	$22,185	$68,366	$12,314,041
13	145	$90,551	$22,063	$68,488	$12,245,553
13	146	$90,551	$21,940	$68,611	$12,176,942
13	147	$90,551	$21,817	$68,734	$12,108,208
13	148	$90,551	$21,694	$68,857	$12,039,351
13	149	$90,551	$21,571	$68,980	$11,970,370
13	150	$90,551	$21,447	$69,104	$11,901,266
13	151	$90,551	$21,323	$69,228	$11,832,038
13	152	$90,551	$21,199	$69,352	$11,762,686
13	153	$90,551	$21,075	$69,476	$11,693,210
13	154	$90,551	$20,950	$69,601	$11,623,610
13	155	$90,551	$20,826	$69,725	$11,553,884
13	156	$90,551	$20,701	$69,850	$11,484,034
14	157	$90,551	$20,576	$69,975	$11,414,059
14	158	$90,551	$20,450	$70,101	$11,343,958
14	159	$90,551	$20,325	$70,226	$11,273,732
14	160	$90,551	$20,199	$70,352	$11,203,380
14	161	$90,551	$20,073	$70,478	$11,132,901
14	162	$90,551	$19,946	$70,604	$11,062,297
14	163	$90,551	$19,820	$70,731	$10,991,566
14	164	$90,551	$19,693	$70,858	$10,920,708
14	165	$90,551	$19,566	$70,985	$10,849,724
14	166	$90,551	$19,439	$71,112	$10,778,612
14	167	$90,551	$19,312	$71,239	$10,707,373
14	168	$90,551	$19,184	$71,367	$10,636,006
15	169	$90,551	$19,056	$71,495	$10,564,511
15	170	$90,551	$18,928	$71,623	$10,492,888
15	171	$90,551	$18,800	$71,751	$10,421,137
15	172	$90,551	$18,671	$71,880	$10,349,257
15	173	$90,551	$18,542	$72,009	$10,277,249
15	174	$90,551	$18,413	$72,138	$10,205,111
15	175	$90,551	$18,284	$72,267	$10,132,844
15	176	$90,551	$18,155	$72,396	$10,060,448
15	177	$90,551	$18,025	$72,526	$9,987,922
15	178	$90,551	$17,895	$72,656	$9,915,266
15	179	$90,551	$17,765	$72,786	$9,842,480
15	180	$90,551	$17,634	$72,916	$9,769,564
16	181	$90,551	$17,504	$73,047	$9,696,517
16	182	$90,551	$17,373	$73,178	$9,623,338
16	183	$90,551	$17,242	$73,309	$9,550,029
16	184	$90,551	$17,110	$73,440	$9,476,589
16	185	$90,551	$16,979	$73,572	$9,403,017
16	186	$90,551	$16,847	$73,704	$9,329,313
16	187	$90,551	$16,715	$73,836	$9,255,477
16	188	$90,551	$16,583	$73,968	$9,181,509
16	189	$90,551	$16,450	$74,101	$9,107,408
16	190	$90,551	$16,317	$74,233	$9,033,175
16	191	$90,551	$16,184	$74,366	$8,958,808
16	192	$90,551	$16,051	$74,500	$8,884,308
17	193	$90,551	$15,918	$74,633	$8,809,675
17	194	$90,551	$15,784	$74,767	$8,734,908
17	195	$90,551	$15,650	$74,901	$8,660,007
17	196	$90,551	$15,516	$75,035	$8,584,972
17	197	$90,551	$15,381	$75,170	$8,509,803
17	198	$90,551	$15,247	$75,304	$8,434,499
17	199	$90,551	$15,112	$75,439	$8,359,060
17	200	$90,551	$14,977	$75,574	$8,283,485
17	201	$90,551	$14,841	$75,710	$8,207,776
17	202	$90,551	$14,706	$75,845	$8,131,930
17	203	$90,551	$14,570	$75,981	$8,055,949
17	204	$90,551	$14,434	$76,117	$7,979,832
18	205	$90,551	$14,297	$76,254	$7,903,578
18	206	$90,551	$14,161	$76,390	$7,827,188
18	207	$90,551	$14,024	$76,527	$7,750,660
18	208	$90,551	$13,887	$76,664	$7,673,996
18	209	$90,551	$13,749	$76,802	$7,597,194
18	210	$90,551	$13,612	$76,939	$7,520,255
18	211	$90,551	$13,474	$77,077	$7,443,178
18	212	$90,551	$13,336	$77,215	$7,365,963
18	213	$90,551	$13,197	$77,354	$7,288,609
18	214	$90,551	$13,059	$77,492	$7,211,117
18	215	$90,551	$12,920	$77,631	$7,133,486
18	216	$90,551	$12,781	$77,770	$7,055,716
19	217	$90,551	$12,641	$77,909	$6,977,806
19	218	$90,551	$12,502	$78,049	$6,899,757
19	219	$90,551	$12,362	$78,189	$6,821,568
19	220	$90,551	$12,222	$78,329	$6,743,240
19	221	$90,551	$12,082	$78,469	$6,664,770
19	222	$90,551	$11,941	$78,610	$6,586,160
19	223	$90,551	$11,800	$78,751	$6,507,410
19	224	$90,551	$11,659	$78,892	$6,428,518
19	225	$90,551	$11,518	$79,033	$6,349,485
19	226	$90,551	$11,376	$79,175	$6,270,310
19	227	$90,551	$11,234	$79,317	$6,190,993
19	228	$90,551	$11,092	$79,459	$6,111,534
20	229	$90,551	$10,950	$79,601	$6,031,933
20	230	$90,551	$10,807	$79,744	$5,952,190
20	231	$90,551	$10,664	$79,887	$5,872,303
20	232	$90,551	$10,521	$80,030	$5,792,273
20	233	$90,551	$10,378	$80,173	$5,712,100
20	234	$90,551	$10,234	$80,317	$5,631,783
20	235	$90,551	$10,090	$80,461	$5,551,323
20	236	$90,551	$9,946	$80,605	$5,470,718
20	237	$90,551	$9,802	$80,749	$5,389,969
20	238	$90,551	$9,657	$80,894	$5,309,075
20	239	$90,551	$9,512	$81,039	$5,228,036
20	240	$90,551	$9,367	$81,184	$5,146,852
21	241	$90,551	$9,221	$81,329	$5,065,523
21	242	$90,551	$9,076	$81,475	$4,984,047
21	243	$90,551	$8,930	$81,621	$4,902,426
21	244	$90,551	$8,784	$81,767	$4,820,659
21	245	$90,551	$8,637	$81,914	$4,738,745
21	246	$90,551	$8,490	$82,061	$4,656,684
21	247	$90,551	$8,343	$82,208	$4,574,476
21	248	$90,551	$8,196	$82,355	$4,492,121
21	249	$90,551	$8,048	$82,503	$4,409,619
21	250	$90,551	$7,901	$82,650	$4,326,969
21	251	$90,551	$7,752	$82,798	$4,244,170
21	252	$90,551	$7,604	$82,947	$4,161,223
22	253	$90,551	$7,456	$83,095	$4,078,128
22	254	$90,551	$7,307	$83,244	$3,994,884
22	255	$90,551	$7,157	$83,393	$3,911,490
22	256	$90,551	$7,008	$83,543	$3,827,947
22	257	$90,551	$6,858	$83,693	$3,744,255
22	258	$90,551	$6,708	$83,842	$3,660,412
22	259	$90,551	$6,558	$83,993	$3,576,420
22	260	$90,551	$6,408	$84,143	$3,492,276
22	261	$90,551	$6,257	$84,294	$3,407,983
22	262	$90,551	$6,106	$84,445	$3,323,538
22	263	$90,551	$5,955	$84,596	$3,238,941
22	264	$90,551	$5,803	$84,748	$3,154,193
23	265	$90,551	$5,651	$84,900	$3,069,294
23	266	$90,551	$5,499	$85,052	$2,984,242
23	267	$90,551	$5,347	$85,204	$2,899,038
23	268	$90,551	$5,194	$85,357	$2,813,681
23	269	$90,551	$5,041	$85,510	$2,728,171
23	270	$90,551	$4,888	$85,663	$2,642,508
23	271	$90,551	$4,734	$85,816	$2,556,692
23	272	$90,551	$4,581	$85,970	$2,470,722
23	273	$90,551	$4,427	$86,124	$2,384,598
23	274	$90,551	$4,272	$86,279	$2,298,319
23	275	$90,551	$4,118	$86,433	$2,211,886
23	276	$90,551	$3,963	$86,588	$2,125,298
24	277	$90,551	$3,808	$86,743	$2,038,555
24	278	$90,551	$3,652	$86,899	$1,951,656
24	279	$90,551	$3,497	$87,054	$1,864,602
24	280	$90,551	$3,341	$87,210	$1,777,392
24	281	$90,551	$3,184	$87,366	$1,690,025
24	282	$90,551	$3,028	$87,523	$1,602,502
24	283	$90,551	$2,871	$87,680	$1,514,823
24	284	$90,551	$2,714	$87,837	$1,426,986
24	285	$90,551	$2,557	$87,994	$1,338,992
24	286	$90,551	$2,399	$88,152	$1,250,840
24	287	$90,551	$2,241	$88,310	$1,162,530
24	288	$90,551	$2,083	$88,468	$1,074,062
25	289	$90,551	$1,924	$88,627	$985,435
25	290	$90,551	$1,766	$88,785	$896,650
25	291	$90,551	$1,606	$88,944	$807,705
25	292	$90,551	$1,447	$89,104	$718,602
25	293	$90,551	$1,287	$89,263	$629,338
25	294	$90,551	$1,128	$89,423	$539,915
25	295	$90,551	$967	$89,584	$450,331
25	296	$90,551	$807	$89,744	$360,587
25	297	$90,551	$646	$89,905	$270,682
25	298	$90,551	$485	$90,066	$180,616
25	299	$90,551	$324	$90,227	$90,389
25	300	$90,551	$162	$90,389	$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$ 14,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 14,350,000

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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.