Century 21 Centaland Property

Down Payment (HKD)

$26,000,000

Monthly Repayment (HKD)

$168,166

Loan Amount (HKD)

$39,000,000

Total Interest (HKD)

$11,449,804

Total Repayment (HKD)

$50,449,804

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$168,166	$69,875	$98,291	$38,901,709
1	2	$168,166	$69,699	$98,467	$38,803,242
1	3	$168,166	$69,522	$98,644	$38,704,598
1	4	$168,166	$69,346	$98,820	$38,605,778
1	5	$168,166	$69,169	$98,997	$38,506,781
1	6	$168,166	$68,991	$99,175	$38,407,606
1	7	$168,166	$68,814	$99,352	$38,308,254
1	8	$168,166	$68,636	$99,530	$38,208,723
1	9	$168,166	$68,457	$99,709	$38,109,015
1	10	$168,166	$68,279	$99,887	$38,009,127
1	11	$168,166	$68,100	$100,066	$37,909,061
1	12	$168,166	$67,920	$100,246	$37,808,815
2	13	$168,166	$67,741	$100,425	$37,708,390
2	14	$168,166	$67,561	$100,605	$37,607,785
2	15	$168,166	$67,381	$100,785	$37,506,999
2	16	$168,166	$67,200	$100,966	$37,406,033
2	17	$168,166	$67,019	$101,147	$37,304,887
2	18	$168,166	$66,838	$101,328	$37,203,559
2	19	$168,166	$66,656	$101,510	$37,102,049
2	20	$168,166	$66,475	$101,692	$37,000,357
2	21	$168,166	$66,292	$101,874	$36,898,484
2	22	$168,166	$66,110	$102,056	$36,796,427
2	23	$168,166	$65,927	$102,239	$36,694,188
2	24	$168,166	$65,744	$102,422	$36,591,766
3	25	$168,166	$65,560	$102,606	$36,489,160
3	26	$168,166	$65,376	$102,790	$36,386,371
3	27	$168,166	$65,192	$102,974	$36,283,397
3	28	$168,166	$65,008	$103,158	$36,180,239
3	29	$168,166	$64,823	$103,343	$36,076,896
3	30	$168,166	$64,638	$103,528	$35,973,367
3	31	$168,166	$64,452	$103,714	$35,869,654
3	32	$168,166	$64,266	$103,900	$35,765,754
3	33	$168,166	$64,080	$104,086	$35,661,668
3	34	$168,166	$63,894	$104,272	$35,557,396
3	35	$168,166	$63,707	$104,459	$35,452,937
3	36	$168,166	$63,520	$104,646	$35,348,291
4	37	$168,166	$63,332	$104,834	$35,243,457
4	38	$168,166	$63,145	$105,021	$35,138,436
4	39	$168,166	$62,956	$105,210	$35,033,226
4	40	$168,166	$62,768	$105,398	$34,927,828
4	41	$168,166	$62,579	$105,587	$34,822,241
4	42	$168,166	$62,390	$105,776	$34,716,465
4	43	$168,166	$62,200	$105,966	$34,610,499
4	44	$168,166	$62,010	$106,156	$34,504,344
4	45	$168,166	$61,820	$106,346	$34,397,998
4	46	$168,166	$61,630	$106,536	$34,291,462
4	47	$168,166	$61,439	$106,727	$34,184,735
4	48	$168,166	$61,248	$106,918	$34,077,816
5	49	$168,166	$61,056	$107,110	$33,970,706
5	50	$168,166	$60,864	$107,302	$33,863,404
5	51	$168,166	$60,672	$107,494	$33,755,910
5	52	$168,166	$60,479	$107,687	$33,648,224
5	53	$168,166	$60,286	$107,880	$33,540,344
5	54	$168,166	$60,093	$108,073	$33,432,271
5	55	$168,166	$59,899	$108,267	$33,324,005
5	56	$168,166	$59,706	$108,461	$33,215,544
5	57	$168,166	$59,511	$108,655	$33,106,889
5	58	$168,166	$59,317	$108,850	$32,998,040
5	59	$168,166	$59,121	$109,045	$32,888,995
5	60	$168,166	$58,926	$109,240	$32,779,755
6	61	$168,166	$58,730	$109,436	$32,670,320
6	62	$168,166	$58,534	$109,632	$32,560,688
6	63	$168,166	$58,338	$109,828	$32,450,860
6	64	$168,166	$58,141	$110,025	$32,340,835
6	65	$168,166	$57,944	$110,222	$32,230,613
6	66	$168,166	$57,747	$110,419	$32,120,194
6	67	$168,166	$57,549	$110,617	$32,009,576
6	68	$168,166	$57,350	$110,816	$31,898,761
6	69	$168,166	$57,152	$111,014	$31,787,747
6	70	$168,166	$56,953	$111,213	$31,676,534
6	71	$168,166	$56,754	$111,412	$31,565,121
6	72	$168,166	$56,554	$111,612	$31,453,510
7	73	$168,166	$56,354	$111,812	$31,341,698
7	74	$168,166	$56,154	$112,012	$31,229,686
7	75	$168,166	$55,953	$112,213	$31,117,473
7	76	$168,166	$55,752	$112,414	$31,005,059
7	77	$168,166	$55,551	$112,615	$30,892,444
7	78	$168,166	$55,349	$112,817	$30,779,627
7	79	$168,166	$55,147	$113,019	$30,666,607
7	80	$168,166	$54,944	$113,222	$30,553,386
7	81	$168,166	$54,741	$113,425	$30,439,961
7	82	$168,166	$54,538	$113,628	$30,326,334
7	83	$168,166	$54,335	$113,831	$30,212,502
7	84	$168,166	$54,131	$114,035	$30,098,467
8	85	$168,166	$53,926	$114,240	$29,984,227
8	86	$168,166	$53,722	$114,444	$29,869,783
8	87	$168,166	$53,517	$114,649	$29,755,134
8	88	$168,166	$53,311	$114,855	$29,640,279
8	89	$168,166	$53,105	$115,061	$29,525,218
8	90	$168,166	$52,899	$115,267	$29,409,952
8	91	$168,166	$52,693	$115,473	$29,294,479
8	92	$168,166	$52,486	$115,680	$29,178,799
8	93	$168,166	$52,279	$115,887	$29,062,911
8	94	$168,166	$52,071	$116,095	$28,946,816
8	95	$168,166	$51,863	$116,303	$28,830,513
8	96	$168,166	$51,655	$116,511	$28,714,002
9	97	$168,166	$51,446	$116,720	$28,597,282
9	98	$168,166	$51,237	$116,929	$28,480,353
9	99	$168,166	$51,027	$117,139	$28,363,214
9	100	$168,166	$50,817	$117,349	$28,245,865
9	101	$168,166	$50,607	$117,559	$28,128,306
9	102	$168,166	$50,397	$117,769	$28,010,537
9	103	$168,166	$50,186	$117,980	$27,892,557
9	104	$168,166	$49,974	$118,192	$27,774,365
9	105	$168,166	$49,762	$118,404	$27,655,961
9	106	$168,166	$49,550	$118,616	$27,537,345
9	107	$168,166	$49,338	$118,828	$27,418,517
9	108	$168,166	$49,125	$119,041	$27,299,476
10	109	$168,166	$48,912	$119,254	$27,180,221
10	110	$168,166	$48,698	$119,468	$27,060,753
10	111	$168,166	$48,484	$119,682	$26,941,071
10	112	$168,166	$48,269	$119,897	$26,821,175
10	113	$168,166	$48,055	$120,111	$26,701,063
10	114	$168,166	$47,839	$120,327	$26,580,737
10	115	$168,166	$47,624	$120,542	$26,460,194
10	116	$168,166	$47,408	$120,758	$26,339,436
10	117	$168,166	$47,191	$120,975	$26,218,462
10	118	$168,166	$46,975	$121,191	$26,097,270
10	119	$168,166	$46,758	$121,408	$25,975,862
10	120	$168,166	$46,540	$121,626	$25,854,236
11	121	$168,166	$46,322	$121,844	$25,732,392
11	122	$168,166	$46,104	$122,062	$25,610,330
11	123	$168,166	$45,885	$122,281	$25,488,049
11	124	$168,166	$45,666	$122,500	$25,365,549
11	125	$168,166	$45,447	$122,719	$25,242,830
11	126	$168,166	$45,227	$122,939	$25,119,891
11	127	$168,166	$45,006	$123,160	$24,996,731
11	128	$168,166	$44,786	$123,380	$24,873,351
11	129	$168,166	$44,565	$123,601	$24,749,750
11	130	$168,166	$44,343	$123,823	$24,625,927
11	131	$168,166	$44,121	$124,045	$24,501,882
11	132	$168,166	$43,899	$124,267	$24,377,616
12	133	$168,166	$43,677	$124,489	$24,253,126
12	134	$168,166	$43,454	$124,712	$24,128,414
12	135	$168,166	$43,230	$124,936	$24,003,478
12	136	$168,166	$43,006	$125,160	$23,878,318
12	137	$168,166	$42,782	$125,384	$23,752,934
12	138	$168,166	$42,557	$125,609	$23,627,325
12	139	$168,166	$42,332	$125,834	$23,501,491
12	140	$168,166	$42,107	$126,059	$23,375,432
12	141	$168,166	$41,881	$126,285	$23,249,147
12	142	$168,166	$41,655	$126,511	$23,122,636
12	143	$168,166	$41,428	$126,738	$22,995,898
12	144	$168,166	$41,201	$126,965	$22,868,933
13	145	$168,166	$40,974	$127,193	$22,741,740
13	146	$168,166	$40,746	$127,420	$22,614,320
13	147	$168,166	$40,517	$127,649	$22,486,671
13	148	$168,166	$40,289	$127,877	$22,358,794
13	149	$168,166	$40,060	$128,107	$22,230,687
13	150	$168,166	$39,830	$128,336	$22,102,351
13	151	$168,166	$39,600	$128,566	$21,973,786
13	152	$168,166	$39,370	$128,796	$21,844,989
13	153	$168,166	$39,139	$129,027	$21,715,962
13	154	$168,166	$38,908	$129,258	$21,586,704
13	155	$168,166	$38,676	$129,490	$21,457,214
13	156	$168,166	$38,444	$129,722	$21,327,492
14	157	$168,166	$38,212	$129,954	$21,197,538
14	158	$168,166	$37,979	$130,187	$21,067,351
14	159	$168,166	$37,746	$130,420	$20,936,930
14	160	$168,166	$37,512	$130,654	$20,806,276
14	161	$168,166	$37,278	$130,888	$20,675,388
14	162	$168,166	$37,043	$131,123	$20,544,266
14	163	$168,166	$36,808	$131,358	$20,412,908
14	164	$168,166	$36,573	$131,593	$20,281,315
14	165	$168,166	$36,337	$131,829	$20,149,487
14	166	$168,166	$36,101	$132,065	$20,017,422
14	167	$168,166	$35,865	$132,301	$19,885,120
14	168	$168,166	$35,628	$132,539	$19,752,582
15	169	$168,166	$35,390	$132,776	$19,619,806
15	170	$168,166	$35,152	$133,014	$19,486,792
15	171	$168,166	$34,914	$133,252	$19,353,540
15	172	$168,166	$34,675	$133,491	$19,220,049
15	173	$168,166	$34,436	$133,730	$19,086,319
15	174	$168,166	$34,196	$133,970	$18,952,349
15	175	$168,166	$33,956	$134,210	$18,818,139
15	176	$168,166	$33,716	$134,450	$18,683,689
15	177	$168,166	$33,475	$134,691	$18,548,998
15	178	$168,166	$33,234	$134,932	$18,414,066
15	179	$168,166	$32,992	$135,174	$18,278,892
15	180	$168,166	$32,750	$135,416	$18,143,475
16	181	$168,166	$32,507	$135,659	$18,007,816
16	182	$168,166	$32,264	$135,902	$17,871,914
16	183	$168,166	$32,021	$136,146	$17,735,769
16	184	$168,166	$31,777	$136,389	$17,599,379
16	185	$168,166	$31,532	$136,634	$17,462,746
16	186	$168,166	$31,287	$136,879	$17,325,867
16	187	$168,166	$31,042	$137,124	$17,188,743
16	188	$168,166	$30,796	$137,370	$17,051,374
16	189	$168,166	$30,550	$137,616	$16,913,758
16	190	$168,166	$30,304	$137,862	$16,775,896
16	191	$168,166	$30,057	$138,109	$16,637,787
16	192	$168,166	$29,809	$138,357	$16,499,430
17	193	$168,166	$29,561	$138,605	$16,360,825
17	194	$168,166	$29,313	$138,853	$16,221,973
17	195	$168,166	$29,064	$139,102	$16,082,871
17	196	$168,166	$28,815	$139,351	$15,943,520
17	197	$168,166	$28,565	$139,601	$15,803,920
17	198	$168,166	$28,315	$139,851	$15,664,069
17	199	$168,166	$28,065	$140,101	$15,523,968
17	200	$168,166	$27,814	$140,352	$15,383,615
17	201	$168,166	$27,562	$140,604	$15,243,012
17	202	$168,166	$27,310	$140,856	$15,102,156
17	203	$168,166	$27,058	$141,108	$14,961,048
17	204	$168,166	$26,805	$141,361	$14,819,687
18	205	$168,166	$26,552	$141,614	$14,678,073
18	206	$168,166	$26,298	$141,868	$14,536,205
18	207	$168,166	$26,044	$142,122	$14,394,083
18	208	$168,166	$25,789	$142,377	$14,251,707
18	209	$168,166	$25,534	$142,632	$14,109,075
18	210	$168,166	$25,279	$142,887	$13,966,188
18	211	$168,166	$25,023	$143,143	$13,823,045
18	212	$168,166	$24,766	$143,400	$13,679,645
18	213	$168,166	$24,509	$143,657	$13,535,988
18	214	$168,166	$24,252	$143,914	$13,392,074
18	215	$168,166	$23,994	$144,172	$13,247,902
18	216	$168,166	$23,736	$144,430	$13,103,472
19	217	$168,166	$23,477	$144,689	$12,958,783
19	218	$168,166	$23,218	$144,948	$12,813,835
19	219	$168,166	$22,958	$145,208	$12,668,627
19	220	$168,166	$22,698	$145,468	$12,523,159
19	221	$168,166	$22,437	$145,729	$12,377,430
19	222	$168,166	$22,176	$145,990	$12,231,441
19	223	$168,166	$21,915	$146,251	$12,085,189
19	224	$168,166	$21,653	$146,513	$11,938,676
19	225	$168,166	$21,390	$146,776	$11,791,900
19	226	$168,166	$21,127	$147,039	$11,644,861
19	227	$168,166	$20,864	$147,302	$11,497,559
19	228	$168,166	$20,600	$147,566	$11,349,993
20	229	$168,166	$20,335	$147,831	$11,202,162
20	230	$168,166	$20,071	$148,095	$11,054,067
20	231	$168,166	$19,805	$148,361	$10,905,706
20	232	$168,166	$19,539	$148,627	$10,757,079
20	233	$168,166	$19,273	$148,893	$10,608,186
20	234	$168,166	$19,006	$149,160	$10,459,026
20	235	$168,166	$18,739	$149,427	$10,309,600
20	236	$168,166	$18,471	$149,695	$10,159,905
20	237	$168,166	$18,203	$149,963	$10,009,942
20	238	$168,166	$17,934	$150,232	$9,859,711
20	239	$168,166	$17,665	$150,501	$9,709,210
20	240	$168,166	$17,396	$150,770	$9,558,439
21	241	$168,166	$17,126	$151,040	$9,407,399
21	242	$168,166	$16,855	$151,311	$9,256,088
21	243	$168,166	$16,584	$151,582	$9,104,506
21	244	$168,166	$16,312	$151,854	$8,952,652
21	245	$168,166	$16,040	$152,126	$8,800,526
21	246	$168,166	$15,768	$152,398	$8,648,128
21	247	$168,166	$15,495	$152,671	$8,495,456
21	248	$168,166	$15,221	$152,945	$8,342,511
21	249	$168,166	$14,947	$153,219	$8,189,292
21	250	$168,166	$14,672	$153,494	$8,035,799
21	251	$168,166	$14,397	$153,769	$7,882,030
21	252	$168,166	$14,122	$154,044	$7,727,986
22	253	$168,166	$13,846	$154,320	$7,573,666
22	254	$168,166	$13,569	$154,597	$7,419,070
22	255	$168,166	$13,292	$154,874	$7,264,196
22	256	$168,166	$13,015	$155,151	$7,109,045
22	257	$168,166	$12,737	$155,429	$6,953,616
22	258	$168,166	$12,459	$155,707	$6,797,909
22	259	$168,166	$12,180	$155,986	$6,641,922
22	260	$168,166	$11,900	$156,266	$6,485,656
22	261	$168,166	$11,620	$156,546	$6,329,110
22	262	$168,166	$11,340	$156,826	$6,172,284
22	263	$168,166	$11,059	$157,107	$6,015,177
22	264	$168,166	$10,777	$157,389	$5,857,788
23	265	$168,166	$10,495	$157,671	$5,700,117
23	266	$168,166	$10,213	$157,953	$5,542,164
23	267	$168,166	$9,930	$158,236	$5,383,928
23	268	$168,166	$9,646	$158,520	$5,225,408
23	269	$168,166	$9,362	$158,804	$5,066,604
23	270	$168,166	$9,078	$159,088	$4,907,516
23	271	$168,166	$8,793	$159,373	$4,748,142
23	272	$168,166	$8,507	$159,659	$4,588,483
23	273	$168,166	$8,221	$159,945	$4,428,538
23	274	$168,166	$7,934	$160,232	$4,268,307
23	275	$168,166	$7,647	$160,519	$4,107,788
23	276	$168,166	$7,360	$160,806	$3,946,982
24	277	$168,166	$7,072	$161,094	$3,785,887
24	278	$168,166	$6,783	$161,383	$3,624,505
24	279	$168,166	$6,494	$161,672	$3,462,832
24	280	$168,166	$6,204	$161,962	$3,300,871
24	281	$168,166	$5,914	$162,252	$3,138,619
24	282	$168,166	$5,623	$162,543	$2,976,076
24	283	$168,166	$5,332	$162,834	$2,813,242
24	284	$168,166	$5,040	$163,126	$2,650,117
24	285	$168,166	$4,748	$163,418	$2,486,699
24	286	$168,166	$4,455	$163,711	$2,322,988
24	287	$168,166	$4,162	$164,004	$2,158,984
24	288	$168,166	$3,868	$164,298	$1,994,686
25	289	$168,166	$3,574	$164,592	$1,830,094
25	290	$168,166	$3,279	$164,887	$1,665,207
25	291	$168,166	$2,983	$165,183	$1,500,024
25	292	$168,166	$2,688	$165,478	$1,334,546
25	293	$168,166	$2,391	$165,775	$1,168,771
25	294	$168,166	$2,094	$166,072	$1,002,699
25	295	$168,166	$1,797	$166,370	$836,329
25	296	$168,166	$1,498	$166,668	$669,662
25	297	$168,166	$1,200	$166,966	$502,696
25	298	$168,166	$901	$167,265	$335,430
25	299	$168,166	$601	$167,565	$167,865
25	300	$168,166	$301	$167,865	$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$ 26,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 26,650,000

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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.