Century 21 Centaland Property

Down Payment (HKD)

$16,800,000

Monthly Repayment (HKD)

$108,661

Loan Amount (HKD)

$25,200,000

Total Interest (HKD)

$7,398,335

Total Repayment (HKD)

$32,598,335

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$108,661	$45,150	$63,511	$25,136,489
1	2	$108,661	$45,036	$63,625	$25,072,864
1	3	$108,661	$44,922	$63,739	$25,009,125
1	4	$108,661	$44,808	$63,853	$24,945,272
1	5	$108,661	$44,694	$63,968	$24,881,304
1	6	$108,661	$44,579	$64,082	$24,817,222
1	7	$108,661	$44,464	$64,197	$24,753,025
1	8	$108,661	$44,349	$64,312	$24,688,713
1	9	$108,661	$44,234	$64,427	$24,624,286
1	10	$108,661	$44,119	$64,543	$24,559,744
1	11	$108,661	$44,003	$64,658	$24,495,085
1	12	$108,661	$43,887	$64,774	$24,430,311
2	13	$108,661	$43,771	$64,890	$24,365,421
2	14	$108,661	$43,655	$65,006	$24,300,415
2	15	$108,661	$43,538	$65,123	$24,235,292
2	16	$108,661	$43,422	$65,240	$24,170,052
2	17	$108,661	$43,305	$65,356	$24,104,696
2	18	$108,661	$43,188	$65,474	$24,039,222
2	19	$108,661	$43,070	$65,591	$23,973,632
2	20	$108,661	$42,953	$65,708	$23,907,923
2	21	$108,661	$42,835	$65,826	$23,842,097
2	22	$108,661	$42,717	$65,944	$23,776,153
2	23	$108,661	$42,599	$66,062	$23,710,091
2	24	$108,661	$42,481	$66,181	$23,643,910
3	25	$108,661	$42,362	$66,299	$23,577,611
3	26	$108,661	$42,243	$66,418	$23,511,193
3	27	$108,661	$42,124	$66,537	$23,444,657
3	28	$108,661	$42,005	$66,656	$23,378,000
3	29	$108,661	$41,886	$66,776	$23,311,225
3	30	$108,661	$41,766	$66,895	$23,244,330
3	31	$108,661	$41,646	$67,015	$23,177,315
3	32	$108,661	$41,526	$67,135	$23,110,180
3	33	$108,661	$41,406	$67,255	$23,042,924
3	34	$108,661	$41,285	$67,376	$22,975,548
3	35	$108,661	$41,165	$67,497	$22,908,052
3	36	$108,661	$41,044	$67,618	$22,840,434
4	37	$108,661	$40,922	$67,739	$22,772,696
4	38	$108,661	$40,801	$67,860	$22,704,835
4	39	$108,661	$40,679	$67,982	$22,636,854
4	40	$108,661	$40,558	$68,103	$22,568,750
4	41	$108,661	$40,436	$68,225	$22,500,525
4	42	$108,661	$40,313	$68,348	$22,432,177
4	43	$108,661	$40,191	$68,470	$22,363,707
4	44	$108,661	$40,068	$68,593	$22,295,114
4	45	$108,661	$39,945	$68,716	$22,226,399
4	46	$108,661	$39,822	$68,839	$22,157,560
4	47	$108,661	$39,699	$68,962	$22,088,598
4	48	$108,661	$39,575	$69,086	$22,019,512
5	49	$108,661	$39,452	$69,209	$21,950,303
5	50	$108,661	$39,328	$69,333	$21,880,969
5	51	$108,661	$39,203	$69,458	$21,811,511
5	52	$108,661	$39,079	$69,582	$21,741,929
5	53	$108,661	$38,954	$69,707	$21,672,222
5	54	$108,661	$38,829	$69,832	$21,602,391
5	55	$108,661	$38,704	$69,957	$21,532,434
5	56	$108,661	$38,579	$70,082	$21,462,352
5	57	$108,661	$38,453	$70,208	$21,392,144
5	58	$108,661	$38,328	$70,334	$21,321,810
5	59	$108,661	$38,202	$70,460	$21,251,351
5	60	$108,661	$38,075	$70,586	$21,180,765
6	61	$108,661	$37,949	$70,712	$21,110,053
6	62	$108,661	$37,822	$70,839	$21,039,214
6	63	$108,661	$37,695	$70,966	$20,968,248
6	64	$108,661	$37,568	$71,093	$20,897,155
6	65	$108,661	$37,441	$71,220	$20,825,935
6	66	$108,661	$37,313	$71,348	$20,754,587
6	67	$108,661	$37,185	$71,476	$20,683,111
6	68	$108,661	$37,057	$71,604	$20,611,507
6	69	$108,661	$36,929	$71,732	$20,539,775
6	70	$108,661	$36,800	$71,861	$20,467,914
6	71	$108,661	$36,672	$71,989	$20,395,925
6	72	$108,661	$36,543	$72,118	$20,323,806
7	73	$108,661	$36,413	$72,248	$20,251,559
7	74	$108,661	$36,284	$72,377	$20,179,182
7	75	$108,661	$36,154	$72,507	$20,106,675
7	76	$108,661	$36,024	$72,637	$20,034,038
7	77	$108,661	$35,894	$72,767	$19,961,271
7	78	$108,661	$35,764	$72,897	$19,888,374
7	79	$108,661	$35,633	$73,028	$19,815,346
7	80	$108,661	$35,502	$73,159	$19,742,188
7	81	$108,661	$35,371	$73,290	$19,668,898
7	82	$108,661	$35,240	$73,421	$19,595,477
7	83	$108,661	$35,109	$73,553	$19,521,924
7	84	$108,661	$34,977	$73,684	$19,448,240
8	85	$108,661	$34,845	$73,816	$19,374,424
8	86	$108,661	$34,713	$73,949	$19,300,475
8	87	$108,661	$34,580	$74,081	$19,226,394
8	88	$108,661	$34,447	$74,214	$19,152,180
8	89	$108,661	$34,314	$74,347	$19,077,833
8	90	$108,661	$34,181	$74,480	$19,003,353
8	91	$108,661	$34,048	$74,613	$18,928,740
8	92	$108,661	$33,914	$74,747	$18,853,993
8	93	$108,661	$33,780	$74,881	$18,779,112
8	94	$108,661	$33,646	$75,015	$18,704,097
8	95	$108,661	$33,512	$75,150	$18,628,947
8	96	$108,661	$33,377	$75,284	$18,553,663
9	97	$108,661	$33,242	$75,419	$18,478,244
9	98	$108,661	$33,107	$75,554	$18,402,689
9	99	$108,661	$32,971	$75,690	$18,327,000
9	100	$108,661	$32,836	$75,825	$18,251,175
9	101	$108,661	$32,700	$75,961	$18,175,213
9	102	$108,661	$32,564	$76,097	$18,099,116
9	103	$108,661	$32,428	$76,234	$18,022,883
9	104	$108,661	$32,291	$76,370	$17,946,513
9	105	$108,661	$32,154	$76,507	$17,870,006
9	106	$108,661	$32,017	$76,644	$17,793,362
9	107	$108,661	$31,880	$76,781	$17,716,580
9	108	$108,661	$31,742	$76,919	$17,639,661
10	109	$108,661	$31,604	$77,057	$17,562,605
10	110	$108,661	$31,466	$77,195	$17,485,410
10	111	$108,661	$31,328	$77,333	$17,408,077
10	112	$108,661	$31,189	$77,472	$17,330,605
10	113	$108,661	$31,051	$77,610	$17,252,995
10	114	$108,661	$30,912	$77,750	$17,175,245
10	115	$108,661	$30,772	$77,889	$17,097,356
10	116	$108,661	$30,633	$78,028	$17,019,328
10	117	$108,661	$30,493	$78,168	$16,941,160
10	118	$108,661	$30,353	$78,308	$16,862,852
10	119	$108,661	$30,213	$78,449	$16,784,403
10	120	$108,661	$30,072	$78,589	$16,705,814
11	121	$108,661	$29,931	$78,730	$16,627,084
11	122	$108,661	$29,790	$78,871	$16,548,213
11	123	$108,661	$29,649	$79,012	$16,469,201
11	124	$108,661	$29,507	$79,154	$16,390,047
11	125	$108,661	$29,366	$79,296	$16,310,752
11	126	$108,661	$29,223	$79,438	$16,231,314
11	127	$108,661	$29,081	$79,580	$16,151,734
11	128	$108,661	$28,939	$79,723	$16,072,011
11	129	$108,661	$28,796	$79,865	$15,992,146
11	130	$108,661	$28,653	$80,009	$15,912,137
11	131	$108,661	$28,509	$80,152	$15,831,986
11	132	$108,661	$28,366	$80,295	$15,751,690
12	133	$108,661	$28,222	$80,439	$15,671,251
12	134	$108,661	$28,078	$80,583	$15,590,667
12	135	$108,661	$27,933	$80,728	$15,509,939
12	136	$108,661	$27,789	$80,872	$15,429,067
12	137	$108,661	$27,644	$81,017	$15,348,050
12	138	$108,661	$27,499	$81,163	$15,266,887
12	139	$108,661	$27,353	$81,308	$15,185,579
12	140	$108,661	$27,207	$81,454	$15,104,125
12	141	$108,661	$27,062	$81,600	$15,022,526
12	142	$108,661	$26,915	$81,746	$14,940,780
12	143	$108,661	$26,769	$81,892	$14,858,888
12	144	$108,661	$26,622	$82,039	$14,776,849
13	145	$108,661	$26,475	$82,186	$14,694,663
13	146	$108,661	$26,328	$82,333	$14,612,330
13	147	$108,661	$26,180	$82,481	$14,529,849
13	148	$108,661	$26,033	$82,628	$14,447,221
13	149	$108,661	$25,885	$82,777	$14,364,444
13	150	$108,661	$25,736	$82,925	$14,281,519
13	151	$108,661	$25,588	$83,073	$14,198,446
13	152	$108,661	$25,439	$83,222	$14,115,224
13	153	$108,661	$25,290	$83,371	$14,031,852
13	154	$108,661	$25,140	$83,521	$13,948,332
13	155	$108,661	$24,991	$83,670	$13,864,661
13	156	$108,661	$24,841	$83,820	$13,780,841
14	157	$108,661	$24,691	$83,970	$13,696,871
14	158	$108,661	$24,540	$84,121	$13,612,750
14	159	$108,661	$24,390	$84,272	$13,528,478
14	160	$108,661	$24,239	$84,423	$13,444,056
14	161	$108,661	$24,087	$84,574	$13,359,482
14	162	$108,661	$23,936	$84,725	$13,274,756
14	163	$108,661	$23,784	$84,877	$13,189,879
14	164	$108,661	$23,632	$85,029	$13,104,850
14	165	$108,661	$23,480	$85,182	$13,019,668
14	166	$108,661	$23,327	$85,334	$12,934,334
14	167	$108,661	$23,174	$85,487	$12,848,847
14	168	$108,661	$23,021	$85,640	$12,763,207
15	169	$108,661	$22,867	$85,794	$12,677,413
15	170	$108,661	$22,714	$85,947	$12,591,466
15	171	$108,661	$22,560	$86,101	$12,505,364
15	172	$108,661	$22,405	$86,256	$12,419,109
15	173	$108,661	$22,251	$86,410	$12,332,698
15	174	$108,661	$22,096	$86,565	$12,246,133
15	175	$108,661	$21,941	$86,720	$12,159,413
15	176	$108,661	$21,786	$86,876	$12,072,538
15	177	$108,661	$21,630	$87,031	$11,985,507
15	178	$108,661	$21,474	$87,187	$11,898,319
15	179	$108,661	$21,318	$87,343	$11,810,976
15	180	$108,661	$21,161	$87,500	$11,723,476
16	181	$108,661	$21,005	$87,657	$11,635,820
16	182	$108,661	$20,848	$87,814	$11,548,006
16	183	$108,661	$20,690	$87,971	$11,460,035
16	184	$108,661	$20,533	$88,129	$11,371,907
16	185	$108,661	$20,375	$88,286	$11,283,620
16	186	$108,661	$20,216	$88,445	$11,195,176
16	187	$108,661	$20,058	$88,603	$11,106,573
16	188	$108,661	$19,899	$88,762	$11,017,811
16	189	$108,661	$19,740	$88,921	$10,928,890
16	190	$108,661	$19,581	$89,080	$10,839,810
16	191	$108,661	$19,421	$89,240	$10,750,570
16	192	$108,661	$19,261	$89,400	$10,661,170
17	193	$108,661	$19,101	$89,560	$10,571,610
17	194	$108,661	$18,941	$89,720	$10,481,890
17	195	$108,661	$18,780	$89,881	$10,392,009
17	196	$108,661	$18,619	$90,042	$10,301,967
17	197	$108,661	$18,458	$90,203	$10,211,763
17	198	$108,661	$18,296	$90,365	$10,121,398
17	199	$108,661	$18,134	$90,527	$10,030,871
17	200	$108,661	$17,972	$90,689	$9,940,182
17	201	$108,661	$17,809	$90,852	$9,849,331
17	202	$108,661	$17,647	$91,014	$9,758,316
17	203	$108,661	$17,484	$91,177	$9,667,139
17	204	$108,661	$17,320	$91,341	$9,575,798
18	205	$108,661	$17,157	$91,504	$9,484,293
18	206	$108,661	$16,993	$91,668	$9,392,625
18	207	$108,661	$16,828	$91,833	$9,300,792
18	208	$108,661	$16,664	$91,997	$9,208,795
18	209	$108,661	$16,499	$92,162	$9,116,633
18	210	$108,661	$16,334	$92,327	$9,024,306
18	211	$108,661	$16,169	$92,493	$8,931,813
18	212	$108,661	$16,003	$92,658	$8,839,155
18	213	$108,661	$15,837	$92,824	$8,746,331
18	214	$108,661	$15,671	$92,991	$8,653,340
18	215	$108,661	$15,504	$93,157	$8,560,183
18	216	$108,661	$15,337	$93,324	$8,466,859
19	217	$108,661	$15,170	$93,491	$8,373,368
19	218	$108,661	$15,002	$93,659	$8,279,709
19	219	$108,661	$14,834	$93,827	$8,185,882
19	220	$108,661	$14,666	$93,995	$8,091,887
19	221	$108,661	$14,498	$94,163	$7,997,724
19	222	$108,661	$14,329	$94,332	$7,903,392
19	223	$108,661	$14,160	$94,501	$7,808,892
19	224	$108,661	$13,991	$94,670	$7,714,221
19	225	$108,661	$13,821	$94,840	$7,619,382
19	226	$108,661	$13,651	$95,010	$7,524,372
19	227	$108,661	$13,481	$95,180	$7,429,192
19	228	$108,661	$13,311	$95,350	$7,333,841
20	229	$108,661	$13,140	$95,521	$7,238,320
20	230	$108,661	$12,969	$95,692	$7,142,628
20	231	$108,661	$12,797	$95,864	$7,046,764
20	232	$108,661	$12,625	$96,036	$6,950,728
20	233	$108,661	$12,453	$96,208	$6,854,520
20	234	$108,661	$12,281	$96,380	$6,758,140
20	235	$108,661	$12,108	$96,553	$6,661,587
20	236	$108,661	$11,935	$96,726	$6,564,862
20	237	$108,661	$11,762	$96,899	$6,467,963
20	238	$108,661	$11,588	$97,073	$6,370,890
20	239	$108,661	$11,415	$97,247	$6,273,643
20	240	$108,661	$11,240	$97,421	$6,176,222
21	241	$108,661	$11,066	$97,595	$6,078,627
21	242	$108,661	$10,891	$97,770	$5,980,857
21	243	$108,661	$10,716	$97,945	$5,882,911
21	244	$108,661	$10,540	$98,121	$5,784,790
21	245	$108,661	$10,364	$98,297	$5,686,494
21	246	$108,661	$10,188	$98,473	$5,588,021
21	247	$108,661	$10,012	$98,649	$5,489,372
21	248	$108,661	$9,835	$98,826	$5,390,546
21	249	$108,661	$9,658	$99,003	$5,291,543
21	250	$108,661	$9,481	$99,180	$5,192,362
21	251	$108,661	$9,303	$99,358	$5,093,004
21	252	$108,661	$9,125	$99,536	$4,993,468
22	253	$108,661	$8,947	$99,714	$4,893,753
22	254	$108,661	$8,768	$99,893	$4,793,860
22	255	$108,661	$8,589	$100,072	$4,693,788
22	256	$108,661	$8,410	$100,251	$4,593,537
22	257	$108,661	$8,230	$100,431	$4,493,106
22	258	$108,661	$8,050	$100,611	$4,392,495
22	259	$108,661	$7,870	$100,791	$4,291,704
22	260	$108,661	$7,689	$100,972	$4,190,732
22	261	$108,661	$7,508	$101,153	$4,089,579
22	262	$108,661	$7,327	$101,334	$3,988,245
22	263	$108,661	$7,146	$101,516	$3,886,730
22	264	$108,661	$6,964	$101,697	$3,785,032
23	265	$108,661	$6,782	$101,880	$3,683,153
23	266	$108,661	$6,599	$102,062	$3,581,090
23	267	$108,661	$6,416	$102,245	$3,478,845
23	268	$108,661	$6,233	$102,428	$3,376,417
23	269	$108,661	$6,049	$102,612	$3,273,806
23	270	$108,661	$5,866	$102,796	$3,171,010
23	271	$108,661	$5,681	$102,980	$3,068,030
23	272	$108,661	$5,497	$103,164	$2,964,866
23	273	$108,661	$5,312	$103,349	$2,861,517
23	274	$108,661	$5,127	$103,534	$2,757,983
23	275	$108,661	$4,941	$103,720	$2,654,263
23	276	$108,661	$4,756	$103,906	$2,550,357
24	277	$108,661	$4,569	$104,092	$2,446,266
24	278	$108,661	$4,383	$104,278	$2,341,988
24	279	$108,661	$4,196	$104,465	$2,237,522
24	280	$108,661	$4,009	$104,652	$2,132,870
24	281	$108,661	$3,821	$104,840	$2,028,031
24	282	$108,661	$3,634	$105,028	$1,923,003
24	283	$108,661	$3,445	$105,216	$1,817,787
24	284	$108,661	$3,257	$105,404	$1,712,383
24	285	$108,661	$3,068	$105,593	$1,606,790
24	286	$108,661	$2,879	$105,782	$1,501,008
24	287	$108,661	$2,689	$105,972	$1,395,036
24	288	$108,661	$2,499	$106,162	$1,288,874
25	289	$108,661	$2,309	$106,352	$1,182,522
25	290	$108,661	$2,119	$106,542	$1,075,980
25	291	$108,661	$1,928	$106,733	$969,246
25	292	$108,661	$1,737	$106,925	$862,322
25	293	$108,661	$1,545	$107,116	$755,206
25	294	$108,661	$1,353	$107,308	$647,898
25	295	$108,661	$1,161	$107,500	$540,397
25	296	$108,661	$968	$107,693	$432,705
25	297	$108,661	$775	$107,886	$324,819
25	298	$108,661	$582	$108,079	$216,740
25	299	$108,661	$388	$108,273	$108,467
25	300	$108,661	$194	$108,467	$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$ 16,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,220,000

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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.