Century 21 Centaland Property

Down Payment (HKD)

$9,960,000

Monthly Repayment (HKD)

$64,421

Loan Amount (HKD)

$14,940,000

Total Interest (HKD)

$4,386,156

Total Repayment (HKD)

$19,326,156

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$64,421	$26,768	$37,653	$14,902,347
1	2	$64,421	$26,700	$37,720	$14,864,627
1	3	$64,421	$26,632	$37,788	$14,826,838
1	4	$64,421	$26,565	$37,856	$14,788,983
1	5	$64,421	$26,497	$37,924	$14,751,059
1	6	$64,421	$26,429	$37,992	$14,713,068
1	7	$64,421	$26,361	$38,060	$14,675,008
1	8	$64,421	$26,293	$38,128	$14,636,880
1	9	$64,421	$26,224	$38,196	$14,598,684
1	10	$64,421	$26,156	$38,265	$14,560,419
1	11	$64,421	$26,087	$38,333	$14,522,086
1	12	$64,421	$26,019	$38,402	$14,483,685
2	13	$64,421	$25,950	$38,471	$14,445,214
2	14	$64,421	$25,881	$38,540	$14,406,675
2	15	$64,421	$25,812	$38,609	$14,368,066
2	16	$64,421	$25,743	$38,678	$14,329,388
2	17	$64,421	$25,673	$38,747	$14,290,641
2	18	$64,421	$25,604	$38,816	$14,251,825
2	19	$64,421	$25,535	$38,886	$14,212,939
2	20	$64,421	$25,465	$38,956	$14,173,983
2	21	$64,421	$25,395	$39,025	$14,134,958
2	22	$64,421	$25,325	$39,095	$14,095,862
2	23	$64,421	$25,255	$39,165	$14,056,697
2	24	$64,421	$25,185	$39,236	$14,017,461
3	25	$64,421	$25,115	$39,306	$13,978,155
3	26	$64,421	$25,044	$39,376	$13,938,779
3	27	$64,421	$24,974	$39,447	$13,899,332
3	28	$64,421	$24,903	$39,518	$13,859,815
3	29	$64,421	$24,832	$39,588	$13,820,226
3	30	$64,421	$24,761	$39,659	$13,780,567
3	31	$64,421	$24,690	$39,730	$13,740,837
3	32	$64,421	$24,619	$39,802	$13,701,035
3	33	$64,421	$24,548	$39,873	$13,661,162
3	34	$64,421	$24,476	$39,944	$13,621,218
3	35	$64,421	$24,405	$40,016	$13,581,202
3	36	$64,421	$24,333	$40,088	$13,541,115
4	37	$64,421	$24,261	$40,159	$13,500,955
4	38	$64,421	$24,189	$40,231	$13,460,724
4	39	$64,421	$24,117	$40,303	$13,420,421
4	40	$64,421	$24,045	$40,376	$13,380,045
4	41	$64,421	$23,973	$40,448	$13,339,597
4	42	$64,421	$23,900	$40,520	$13,299,077
4	43	$64,421	$23,828	$40,593	$13,258,484
4	44	$64,421	$23,755	$40,666	$13,217,818
4	45	$64,421	$23,682	$40,739	$13,177,079
4	46	$64,421	$23,609	$40,812	$13,136,268
4	47	$64,421	$23,536	$40,885	$13,095,383
4	48	$64,421	$23,463	$40,958	$13,054,425
5	49	$64,421	$23,389	$41,031	$13,013,394
5	50	$64,421	$23,316	$41,105	$12,972,289
5	51	$64,421	$23,242	$41,179	$12,931,110
5	52	$64,421	$23,168	$41,252	$12,889,858
5	53	$64,421	$23,094	$41,326	$12,848,532
5	54	$64,421	$23,020	$41,400	$12,807,132
5	55	$64,421	$22,946	$41,474	$12,765,657
5	56	$64,421	$22,872	$41,549	$12,724,108
5	57	$64,421	$22,797	$41,623	$12,682,485
5	58	$64,421	$22,723	$41,698	$12,640,788
5	59	$64,421	$22,648	$41,772	$12,599,015
5	60	$64,421	$22,573	$41,847	$12,557,168
6	61	$64,421	$22,498	$41,922	$12,515,246
6	62	$64,421	$22,423	$41,997	$12,473,248
6	63	$64,421	$22,348	$42,073	$12,431,176
6	64	$64,421	$22,273	$42,148	$12,389,028
6	65	$64,421	$22,197	$42,224	$12,346,804
6	66	$64,421	$22,121	$42,299	$12,304,505
6	67	$64,421	$22,046	$42,375	$12,262,130
6	68	$64,421	$21,970	$42,451	$12,219,679
6	69	$64,421	$21,894	$42,527	$12,177,152
6	70	$64,421	$21,817	$42,603	$12,134,549
6	71	$64,421	$21,741	$42,679	$12,091,870
6	72	$64,421	$21,665	$42,756	$12,049,114
7	73	$64,421	$21,588	$42,833	$12,006,281
7	74	$64,421	$21,511	$42,909	$11,963,372
7	75	$64,421	$21,434	$42,986	$11,920,386
7	76	$64,421	$21,357	$43,063	$11,877,323
7	77	$64,421	$21,280	$43,140	$11,834,182
7	78	$64,421	$21,203	$43,218	$11,790,965
7	79	$64,421	$21,125	$43,295	$11,747,670
7	80	$64,421	$21,048	$43,373	$11,704,297
7	81	$64,421	$20,970	$43,450	$11,660,847
7	82	$64,421	$20,892	$43,528	$11,617,319
7	83	$64,421	$20,814	$43,606	$11,573,712
7	84	$64,421	$20,736	$43,684	$11,530,028
8	85	$64,421	$20,658	$43,763	$11,486,266
8	86	$64,421	$20,580	$43,841	$11,442,425
8	87	$64,421	$20,501	$43,920	$11,398,505
8	88	$64,421	$20,422	$43,998	$11,354,507
8	89	$64,421	$20,343	$44,077	$11,310,430
8	90	$64,421	$20,265	$44,156	$11,266,274
8	91	$64,421	$20,185	$44,235	$11,222,039
8	92	$64,421	$20,106	$44,314	$11,177,724
8	93	$64,421	$20,027	$44,394	$11,133,331
8	94	$64,421	$19,947	$44,473	$11,088,857
8	95	$64,421	$19,868	$44,553	$11,044,304
8	96	$64,421	$19,788	$44,633	$10,999,672
9	97	$64,421	$19,708	$44,713	$10,954,959
9	98	$64,421	$19,628	$44,793	$10,910,166
9	99	$64,421	$19,547	$44,873	$10,865,293
9	100	$64,421	$19,467	$44,954	$10,820,339
9	101	$64,421	$19,386	$45,034	$10,775,305
9	102	$64,421	$19,306	$45,115	$10,730,190
9	103	$64,421	$19,225	$45,196	$10,684,995
9	104	$64,421	$19,144	$45,277	$10,639,718
9	105	$64,421	$19,063	$45,358	$10,594,360
9	106	$64,421	$18,982	$45,439	$10,548,922
9	107	$64,421	$18,900	$45,520	$10,503,401
9	108	$64,421	$18,819	$45,602	$10,457,799
10	109	$64,421	$18,737	$45,684	$10,412,116
10	110	$64,421	$18,655	$45,765	$10,366,350
10	111	$64,421	$18,573	$45,847	$10,320,503
10	112	$64,421	$18,491	$45,930	$10,274,573
10	113	$64,421	$18,409	$46,012	$10,228,561
10	114	$64,421	$18,326	$46,094	$10,182,467
10	115	$64,421	$18,244	$46,177	$10,136,290
10	116	$64,421	$18,161	$46,260	$10,090,030
10	117	$64,421	$18,078	$46,343	$10,043,688
10	118	$64,421	$17,995	$46,426	$9,997,262
10	119	$64,421	$17,912	$46,509	$9,950,753
10	120	$64,421	$17,828	$46,592	$9,904,161
11	121	$64,421	$17,745	$46,676	$9,857,486
11	122	$64,421	$17,661	$46,759	$9,810,726
11	123	$64,421	$17,578	$46,843	$9,763,883
11	124	$64,421	$17,494	$46,927	$9,716,957
11	125	$64,421	$17,410	$47,011	$9,669,946
11	126	$64,421	$17,325	$47,095	$9,622,850
11	127	$64,421	$17,241	$47,180	$9,575,671
11	128	$64,421	$17,156	$47,264	$9,528,407
11	129	$64,421	$17,072	$47,349	$9,481,058
11	130	$64,421	$16,987	$47,434	$9,433,624
11	131	$64,421	$16,902	$47,519	$9,386,106
11	132	$64,421	$16,817	$47,604	$9,338,502
12	133	$64,421	$16,731	$47,689	$9,290,813
12	134	$64,421	$16,646	$47,774	$9,243,038
12	135	$64,421	$16,560	$47,860	$9,195,178
12	136	$64,421	$16,475	$47,946	$9,147,233
12	137	$64,421	$16,389	$48,032	$9,099,201
12	138	$64,421	$16,303	$48,118	$9,051,083
12	139	$64,421	$16,217	$48,204	$9,002,879
12	140	$64,421	$16,130	$48,290	$8,954,589
12	141	$64,421	$16,044	$48,377	$8,906,212
12	142	$64,421	$15,957	$48,464	$8,857,748
12	143	$64,421	$15,870	$48,550	$8,809,198
12	144	$64,421	$15,783	$48,637	$8,760,560
13	145	$64,421	$15,696	$48,725	$8,711,836
13	146	$64,421	$15,609	$48,812	$8,663,024
13	147	$64,421	$15,521	$48,899	$8,614,125
13	148	$64,421	$15,434	$48,987	$8,565,138
13	149	$64,421	$15,346	$49,075	$8,516,063
13	150	$64,421	$15,258	$49,163	$8,466,901
13	151	$64,421	$15,170	$49,251	$8,417,650
13	152	$64,421	$15,082	$49,339	$8,368,311
13	153	$64,421	$14,993	$49,427	$8,318,884
13	154	$64,421	$14,905	$49,516	$8,269,368
13	155	$64,421	$14,816	$49,605	$8,219,764
13	156	$64,421	$14,727	$49,693	$8,170,070
14	157	$64,421	$14,638	$49,782	$8,120,288
14	158	$64,421	$14,549	$49,872	$8,070,416
14	159	$64,421	$14,459	$49,961	$8,020,455
14	160	$64,421	$14,370	$50,051	$7,970,404
14	161	$64,421	$14,280	$50,140	$7,920,264
14	162	$64,421	$14,190	$50,230	$7,870,034
14	163	$64,421	$14,100	$50,320	$7,819,714
14	164	$64,421	$14,010	$50,410	$7,769,304
14	165	$64,421	$13,920	$50,501	$7,718,803
14	166	$64,421	$13,830	$50,591	$7,668,212
14	167	$64,421	$13,739	$50,682	$7,617,531
14	168	$64,421	$13,648	$50,772	$7,566,758
15	169	$64,421	$13,557	$50,863	$7,515,895
15	170	$64,421	$13,466	$50,955	$7,464,940
15	171	$64,421	$13,375	$51,046	$7,413,895
15	172	$64,421	$13,283	$51,137	$7,362,757
15	173	$64,421	$13,192	$51,229	$7,311,528
15	174	$64,421	$13,100	$51,321	$7,260,208
15	175	$64,421	$13,008	$51,413	$7,208,795
15	176	$64,421	$12,916	$51,505	$7,157,290
15	177	$64,421	$12,823	$51,597	$7,105,693
15	178	$64,421	$12,731	$51,689	$7,054,004
15	179	$64,421	$12,638	$51,782	$7,002,222
15	180	$64,421	$12,546	$51,875	$6,950,347
16	181	$64,421	$12,453	$51,968	$6,898,379
16	182	$64,421	$12,360	$52,061	$6,846,318
16	183	$64,421	$12,266	$52,154	$6,794,164
16	184	$64,421	$12,173	$52,248	$6,741,916
16	185	$64,421	$12,079	$52,341	$6,689,575
16	186	$64,421	$11,985	$52,435	$6,637,140
16	187	$64,421	$11,892	$52,529	$6,584,611
16	188	$64,421	$11,797	$52,623	$6,531,988
16	189	$64,421	$11,703	$52,717	$6,479,270
16	190	$64,421	$11,609	$52,812	$6,426,459
16	191	$64,421	$11,514	$52,906	$6,373,552
16	192	$64,421	$11,419	$53,001	$6,320,551
17	193	$64,421	$11,324	$53,096	$6,267,455
17	194	$64,421	$11,229	$53,191	$6,214,263
17	195	$64,421	$11,134	$53,287	$6,160,977
17	196	$64,421	$11,038	$53,382	$6,107,595
17	197	$64,421	$10,943	$53,478	$6,054,117
17	198	$64,421	$10,847	$53,574	$6,000,543
17	199	$64,421	$10,751	$53,670	$5,946,874
17	200	$64,421	$10,655	$53,766	$5,893,108
17	201	$64,421	$10,558	$53,862	$5,839,246
17	202	$64,421	$10,462	$53,959	$5,785,287
17	203	$64,421	$10,365	$54,055	$5,731,232
17	204	$64,421	$10,268	$54,152	$5,677,080
18	205	$64,421	$10,171	$54,249	$5,622,831
18	206	$64,421	$10,074	$54,346	$5,568,485
18	207	$64,421	$9,977	$54,444	$5,514,041
18	208	$64,421	$9,879	$54,541	$5,459,500
18	209	$64,421	$9,782	$54,639	$5,404,861
18	210	$64,421	$9,684	$54,737	$5,350,124
18	211	$64,421	$9,586	$54,835	$5,295,289
18	212	$64,421	$9,487	$54,933	$5,240,356
18	213	$64,421	$9,389	$55,032	$5,185,325
18	214	$64,421	$9,290	$55,130	$5,130,195
18	215	$64,421	$9,192	$55,229	$5,074,966
18	216	$64,421	$9,093	$55,328	$5,019,638
19	217	$64,421	$8,994	$55,427	$4,964,211
19	218	$64,421	$8,894	$55,526	$4,908,684
19	219	$64,421	$8,795	$55,626	$4,853,059
19	220	$64,421	$8,695	$55,725	$4,797,333
19	221	$64,421	$8,595	$55,825	$4,741,508
19	222	$64,421	$8,495	$55,925	$4,685,583
19	223	$64,421	$8,395	$56,026	$4,629,557
19	224	$64,421	$8,295	$56,126	$4,573,431
19	225	$64,421	$8,194	$56,226	$4,517,205
19	226	$64,421	$8,093	$56,327	$4,460,878
19	227	$64,421	$7,992	$56,428	$4,404,449
19	228	$64,421	$7,891	$56,529	$4,347,920
20	229	$64,421	$7,790	$56,630	$4,291,290
20	230	$64,421	$7,689	$56,732	$4,234,558
20	231	$64,421	$7,587	$56,834	$4,177,724
20	232	$64,421	$7,485	$56,935	$4,120,789
20	233	$64,421	$7,383	$57,037	$4,063,751
20	234	$64,421	$7,281	$57,140	$4,006,612
20	235	$64,421	$7,179	$57,242	$3,949,370
20	236	$64,421	$7,076	$57,345	$3,892,025
20	237	$64,421	$6,973	$57,447	$3,834,578
20	238	$64,421	$6,870	$57,550	$3,777,028
20	239	$64,421	$6,767	$57,653	$3,719,374
20	240	$64,421	$6,664	$57,757	$3,661,618
21	241	$64,421	$6,560	$57,860	$3,603,757
21	242	$64,421	$6,457	$57,964	$3,545,794
21	243	$64,421	$6,353	$58,068	$3,487,726
21	244	$64,421	$6,249	$58,172	$3,429,554
21	245	$64,421	$6,145	$58,276	$3,371,278
21	246	$64,421	$6,040	$58,380	$3,312,898
21	247	$64,421	$5,936	$58,485	$3,254,413
21	248	$64,421	$5,831	$58,590	$3,195,824
21	249	$64,421	$5,726	$58,695	$3,137,129
21	250	$64,421	$5,621	$58,800	$3,078,329
21	251	$64,421	$5,515	$58,905	$3,019,424
21	252	$64,421	$5,410	$59,011	$2,960,413
22	253	$64,421	$5,304	$59,116	$2,901,297
22	254	$64,421	$5,198	$59,222	$2,842,074
22	255	$64,421	$5,092	$59,328	$2,782,746
22	256	$64,421	$4,986	$59,435	$2,723,311
22	257	$64,421	$4,879	$59,541	$2,663,770
22	258	$64,421	$4,773	$59,648	$2,604,122
22	259	$64,421	$4,666	$59,755	$2,544,367
22	260	$64,421	$4,559	$59,862	$2,484,505
22	261	$64,421	$4,451	$59,969	$2,424,536
22	262	$64,421	$4,344	$60,077	$2,364,460
22	263	$64,421	$4,236	$60,184	$2,304,275
22	264	$64,421	$4,128	$60,292	$2,243,983
23	265	$64,421	$4,020	$60,400	$2,183,583
23	266	$64,421	$3,912	$60,508	$2,123,075
23	267	$64,421	$3,804	$60,617	$2,062,458
23	268	$64,421	$3,695	$60,725	$2,001,733
23	269	$64,421	$3,586	$60,834	$1,940,899
23	270	$64,421	$3,477	$60,943	$1,879,956
23	271	$64,421	$3,368	$61,052	$1,818,904
23	272	$64,421	$3,259	$61,162	$1,757,742
23	273	$64,421	$3,149	$61,271	$1,696,471
23	274	$64,421	$3,040	$61,381	$1,635,090
23	275	$64,421	$2,930	$61,491	$1,573,599
23	276	$64,421	$2,819	$61,601	$1,511,998
24	277	$64,421	$2,709	$61,712	$1,450,286
24	278	$64,421	$2,598	$61,822	$1,388,464
24	279	$64,421	$2,488	$61,933	$1,326,531
24	280	$64,421	$2,377	$62,044	$1,264,487
24	281	$64,421	$2,266	$62,155	$1,202,332
24	282	$64,421	$2,154	$62,266	$1,140,066
24	283	$64,421	$2,043	$62,378	$1,077,688
24	284	$64,421	$1,931	$62,490	$1,015,198
24	285	$64,421	$1,819	$62,602	$952,597
24	286	$64,421	$1,707	$62,714	$889,883
24	287	$64,421	$1,594	$62,826	$827,057
24	288	$64,421	$1,482	$62,939	$764,118
25	289	$64,421	$1,369	$63,051	$701,067
25	290	$64,421	$1,256	$63,164	$637,902
25	291	$64,421	$1,143	$63,278	$574,625
25	292	$64,421	$1,030	$63,391	$511,234
25	293	$64,421	$916	$63,505	$447,729
25	294	$64,421	$802	$63,618	$384,111
25	295	$64,421	$688	$63,732	$320,379
25	296	$64,421	$574	$63,847	$256,532
25	297	$64,421	$460	$63,961	$192,571
25	298	$64,421	$345	$64,075	$128,496
25	299	$64,421	$230	$64,190	$64,305
25	300	$64,421	$115	$64,305	$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$ 9,960,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,209,000

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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.