Century 21 Centaland Property

Down Payment (HKD)

$18,000,000

Monthly Repayment (HKD)

$116,423

Loan Amount (HKD)

$27,000,000

Total Interest (HKD)

$7,926,787

Total Repayment (HKD)

$34,926,787

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$116,423	$48,375	$68,048	$26,931,952
1	2	$116,423	$48,253	$68,170	$26,863,783
1	3	$116,423	$48,131	$68,292	$26,795,491
1	4	$116,423	$48,009	$68,414	$26,727,077
1	5	$116,423	$47,886	$68,537	$26,658,541
1	6	$116,423	$47,763	$68,659	$26,589,881
1	7	$116,423	$47,640	$68,782	$26,521,099
1	8	$116,423	$47,517	$68,906	$26,452,193
1	9	$116,423	$47,394	$69,029	$26,383,164
1	10	$116,423	$47,270	$69,153	$26,314,011
1	11	$116,423	$47,146	$69,277	$26,244,734
1	12	$116,423	$47,022	$69,401	$26,175,334
2	13	$116,423	$46,897	$69,525	$26,105,808
2	14	$116,423	$46,773	$69,650	$26,036,159
2	15	$116,423	$46,648	$69,775	$25,966,384
2	16	$116,423	$46,523	$69,900	$25,896,485
2	17	$116,423	$46,398	$70,025	$25,826,460
2	18	$116,423	$46,272	$70,150	$25,756,310
2	19	$116,423	$46,147	$70,276	$25,686,034
2	20	$116,423	$46,021	$70,402	$25,615,632
2	21	$116,423	$45,895	$70,528	$25,545,104
2	22	$116,423	$45,768	$70,654	$25,474,450
2	23	$116,423	$45,642	$70,781	$25,403,669
2	24	$116,423	$45,515	$70,908	$25,332,761
3	25	$116,423	$45,388	$71,035	$25,261,726
3	26	$116,423	$45,261	$71,162	$25,190,564
3	27	$116,423	$45,133	$71,290	$25,119,275
3	28	$116,423	$45,005	$71,417	$25,047,858
3	29	$116,423	$44,877	$71,545	$24,976,312
3	30	$116,423	$44,749	$71,673	$24,904,639
3	31	$116,423	$44,621	$71,802	$24,832,837
3	32	$116,423	$44,492	$71,930	$24,760,907
3	33	$116,423	$44,363	$72,059	$24,688,847
3	34	$116,423	$44,234	$72,188	$24,616,659
3	35	$116,423	$44,105	$72,318	$24,544,341
3	36	$116,423	$43,975	$72,447	$24,471,894
4	37	$116,423	$43,845	$72,577	$24,399,317
4	38	$116,423	$43,715	$72,707	$24,326,609
4	39	$116,423	$43,585	$72,837	$24,253,772
4	40	$116,423	$43,455	$72,968	$24,180,804
4	41	$116,423	$43,324	$73,099	$24,107,705
4	42	$116,423	$43,193	$73,230	$24,034,476
4	43	$116,423	$43,062	$73,361	$23,961,115
4	44	$116,423	$42,930	$73,492	$23,887,623
4	45	$116,423	$42,799	$73,624	$23,813,999
4	46	$116,423	$42,667	$73,756	$23,740,243
4	47	$116,423	$42,535	$73,888	$23,666,355
4	48	$116,423	$42,402	$74,020	$23,592,334
5	49	$116,423	$42,270	$74,153	$23,518,181
5	50	$116,423	$42,137	$74,286	$23,443,895
5	51	$116,423	$42,004	$74,419	$23,369,476
5	52	$116,423	$41,870	$74,552	$23,294,924
5	53	$116,423	$41,737	$74,686	$23,220,238
5	54	$116,423	$41,603	$74,820	$23,145,419
5	55	$116,423	$41,469	$74,954	$23,070,465
5	56	$116,423	$41,335	$75,088	$22,995,377
5	57	$116,423	$41,200	$75,223	$22,920,154
5	58	$116,423	$41,065	$75,357	$22,844,797
5	59	$116,423	$40,930	$75,492	$22,769,304
5	60	$116,423	$40,795	$75,628	$22,693,677
6	61	$116,423	$40,660	$75,763	$22,617,914
6	62	$116,423	$40,524	$75,899	$22,542,015
6	63	$116,423	$40,388	$76,035	$22,465,980
6	64	$116,423	$40,252	$76,171	$22,389,809
6	65	$116,423	$40,115	$76,308	$22,313,501
6	66	$116,423	$39,978	$76,444	$22,237,057
6	67	$116,423	$39,841	$76,581	$22,160,476
6	68	$116,423	$39,704	$76,718	$22,083,757
6	69	$116,423	$39,567	$76,856	$22,006,902
6	70	$116,423	$39,429	$76,994	$21,929,908
6	71	$116,423	$39,291	$77,132	$21,852,776
6	72	$116,423	$39,153	$77,270	$21,775,507
7	73	$116,423	$39,014	$77,408	$21,698,098
7	74	$116,423	$38,876	$77,547	$21,620,552
7	75	$116,423	$38,737	$77,686	$21,542,866
7	76	$116,423	$38,598	$77,825	$21,465,041
7	77	$116,423	$38,458	$77,964	$21,387,076
7	78	$116,423	$38,319	$78,104	$21,308,972
7	79	$116,423	$38,179	$78,244	$21,230,728
7	80	$116,423	$38,038	$78,384	$21,152,344
7	81	$116,423	$37,898	$78,525	$21,073,819
7	82	$116,423	$37,757	$78,665	$20,995,154
7	83	$116,423	$37,616	$78,806	$20,916,348
7	84	$116,423	$37,475	$78,948	$20,837,400
8	85	$116,423	$37,334	$79,089	$20,758,311
8	86	$116,423	$37,192	$79,231	$20,679,081
8	87	$116,423	$37,050	$79,373	$20,599,708
8	88	$116,423	$36,908	$79,515	$20,520,193
8	89	$116,423	$36,765	$79,657	$20,440,536
8	90	$116,423	$36,623	$79,800	$20,360,736
8	91	$116,423	$36,480	$79,943	$20,280,793
8	92	$116,423	$36,336	$80,086	$20,200,707
8	93	$116,423	$36,193	$80,230	$20,120,477
8	94	$116,423	$36,049	$80,373	$20,040,104
8	95	$116,423	$35,905	$80,517	$19,959,586
8	96	$116,423	$35,761	$80,662	$19,878,924
9	97	$116,423	$35,616	$80,806	$19,798,118
9	98	$116,423	$35,472	$80,951	$19,717,167
9	99	$116,423	$35,327	$81,096	$19,636,071
9	100	$116,423	$35,181	$81,241	$19,554,830
9	101	$116,423	$35,036	$81,387	$19,473,443
9	102	$116,423	$34,890	$81,533	$19,391,910
9	103	$116,423	$34,744	$81,679	$19,310,231
9	104	$116,423	$34,597	$81,825	$19,228,406
9	105	$116,423	$34,451	$81,972	$19,146,435
9	106	$116,423	$34,304	$82,119	$19,064,316
9	107	$116,423	$34,157	$82,266	$18,982,050
9	108	$116,423	$34,010	$82,413	$18,899,637
10	109	$116,423	$33,862	$82,561	$18,817,076
10	110	$116,423	$33,714	$82,709	$18,734,368
10	111	$116,423	$33,566	$82,857	$18,651,511
10	112	$116,423	$33,417	$83,005	$18,568,505
10	113	$116,423	$33,269	$83,154	$18,485,351
10	114	$116,423	$33,120	$83,303	$18,402,048
10	115	$116,423	$32,970	$83,452	$18,318,596
10	116	$116,423	$32,821	$83,602	$18,234,994
10	117	$116,423	$32,671	$83,752	$18,151,243
10	118	$116,423	$32,521	$83,902	$18,067,341
10	119	$116,423	$32,371	$84,052	$17,983,289
10	120	$116,423	$32,220	$84,203	$17,899,087
11	121	$116,423	$32,069	$84,353	$17,814,733
11	122	$116,423	$31,918	$84,505	$17,730,229
11	123	$116,423	$31,767	$84,656	$17,645,573
11	124	$116,423	$31,615	$84,808	$17,560,765
11	125	$116,423	$31,463	$84,960	$17,475,805
11	126	$116,423	$31,311	$85,112	$17,390,694
11	127	$116,423	$31,158	$85,264	$17,305,429
11	128	$116,423	$31,006	$85,417	$17,220,012
11	129	$116,423	$30,853	$85,570	$17,134,442
11	130	$116,423	$30,699	$85,723	$17,048,719
11	131	$116,423	$30,546	$85,877	$16,962,842
11	132	$116,423	$30,392	$86,031	$16,876,811
12	133	$116,423	$30,238	$86,185	$16,790,626
12	134	$116,423	$30,083	$86,339	$16,704,286
12	135	$116,423	$29,929	$86,494	$16,617,792
12	136	$116,423	$29,774	$86,649	$16,531,143
12	137	$116,423	$29,618	$86,804	$16,444,339
12	138	$116,423	$29,463	$86,960	$16,357,379
12	139	$116,423	$29,307	$87,116	$16,270,263
12	140	$116,423	$29,151	$87,272	$16,182,992
12	141	$116,423	$28,995	$87,428	$16,095,563
12	142	$116,423	$28,838	$87,585	$16,007,979
12	143	$116,423	$28,681	$87,742	$15,920,237
12	144	$116,423	$28,524	$87,899	$15,832,338
13	145	$116,423	$28,366	$88,056	$15,744,282
13	146	$116,423	$28,209	$88,214	$15,656,068
13	147	$116,423	$28,050	$88,372	$15,567,696
13	148	$116,423	$27,892	$88,531	$15,479,165
13	149	$116,423	$27,734	$88,689	$15,390,476
13	150	$116,423	$27,575	$88,848	$15,301,628
13	151	$116,423	$27,415	$89,007	$15,212,621
13	152	$116,423	$27,256	$89,167	$15,123,454
13	153	$116,423	$27,096	$89,326	$15,034,128
13	154	$116,423	$26,936	$89,486	$14,944,641
13	155	$116,423	$26,776	$89,647	$14,854,994
13	156	$116,423	$26,615	$89,807	$14,765,187
14	157	$116,423	$26,454	$89,968	$14,675,219
14	158	$116,423	$26,293	$90,130	$14,585,089
14	159	$116,423	$26,132	$90,291	$14,494,798
14	160	$116,423	$25,970	$90,453	$14,404,345
14	161	$116,423	$25,808	$90,615	$14,313,730
14	162	$116,423	$25,645	$90,777	$14,222,953
14	163	$116,423	$25,483	$90,940	$14,132,013
14	164	$116,423	$25,320	$91,103	$14,040,911
14	165	$116,423	$25,157	$91,266	$13,949,645
14	166	$116,423	$24,993	$91,430	$13,858,215
14	167	$116,423	$24,829	$91,593	$13,766,622
14	168	$116,423	$24,665	$91,757	$13,674,864
15	169	$116,423	$24,501	$91,922	$13,582,943
15	170	$116,423	$24,336	$92,087	$13,490,856
15	171	$116,423	$24,171	$92,252	$13,398,605
15	172	$116,423	$24,006	$92,417	$13,306,188
15	173	$116,423	$23,840	$92,582	$13,213,605
15	174	$116,423	$23,674	$92,748	$13,120,857
15	175	$116,423	$23,508	$92,914	$13,027,943
15	176	$116,423	$23,342	$93,081	$12,934,862
15	177	$116,423	$23,175	$93,248	$12,841,614
15	178	$116,423	$23,008	$93,415	$12,748,199
15	179	$116,423	$22,841	$93,582	$12,654,617
15	180	$116,423	$22,673	$93,750	$12,560,868
16	181	$116,423	$22,505	$93,918	$12,466,950
16	182	$116,423	$22,337	$94,086	$12,372,864
16	183	$116,423	$22,168	$94,255	$12,278,609
16	184	$116,423	$21,999	$94,423	$12,184,186
16	185	$116,423	$21,830	$94,593	$12,089,593
16	186	$116,423	$21,661	$94,762	$11,994,831
16	187	$116,423	$21,491	$94,932	$11,899,899
16	188	$116,423	$21,321	$95,102	$11,804,797
16	189	$116,423	$21,150	$95,272	$11,709,525
16	190	$116,423	$20,980	$95,443	$11,614,082
16	191	$116,423	$20,809	$95,614	$11,518,468
16	192	$116,423	$20,637	$95,785	$11,422,682
17	193	$116,423	$20,466	$95,957	$11,326,725
17	194	$116,423	$20,294	$96,129	$11,230,596
17	195	$116,423	$20,121	$96,301	$11,134,295
17	196	$116,423	$19,949	$96,474	$11,037,822
17	197	$116,423	$19,776	$96,647	$10,941,175
17	198	$116,423	$19,603	$96,820	$10,844,355
17	199	$116,423	$19,429	$96,993	$10,747,362
17	200	$116,423	$19,256	$97,167	$10,650,195
17	201	$116,423	$19,082	$97,341	$10,552,854
17	202	$116,423	$18,907	$97,515	$10,455,339
17	203	$116,423	$18,732	$97,690	$10,357,649
17	204	$116,423	$18,557	$97,865	$10,259,784
18	205	$116,423	$18,382	$98,041	$10,161,743
18	206	$116,423	$18,206	$98,216	$10,063,527
18	207	$116,423	$18,030	$98,392	$9,965,135
18	208	$116,423	$17,854	$98,568	$9,866,566
18	209	$116,423	$17,678	$98,745	$9,767,821
18	210	$116,423	$17,501	$98,922	$9,668,899
18	211	$116,423	$17,323	$99,099	$9,569,800
18	212	$116,423	$17,146	$99,277	$9,470,523
18	213	$116,423	$16,968	$99,455	$9,371,069
18	214	$116,423	$16,790	$99,633	$9,271,436
18	215	$116,423	$16,611	$99,811	$9,171,625
18	216	$116,423	$16,432	$99,990	$9,071,635
19	217	$116,423	$16,253	$100,169	$8,971,465
19	218	$116,423	$16,074	$100,349	$8,871,117
19	219	$116,423	$15,894	$100,529	$8,770,588
19	220	$116,423	$15,714	$100,709	$8,669,879
19	221	$116,423	$15,534	$100,889	$8,568,990
19	222	$116,423	$15,353	$101,070	$8,467,920
19	223	$116,423	$15,172	$101,251	$8,366,669
19	224	$116,423	$14,990	$101,432	$8,265,237
19	225	$116,423	$14,809	$101,614	$8,163,623
19	226	$116,423	$14,626	$101,796	$8,061,827
19	227	$116,423	$14,444	$101,979	$7,959,848
19	228	$116,423	$14,261	$102,161	$7,857,687
20	229	$116,423	$14,078	$102,344	$7,755,343
20	230	$116,423	$13,895	$102,528	$7,652,815
20	231	$116,423	$13,711	$102,711	$7,550,104
20	232	$116,423	$13,527	$102,895	$7,447,209
20	233	$116,423	$13,343	$103,080	$7,344,129
20	234	$116,423	$13,158	$103,264	$7,240,864
20	235	$116,423	$12,973	$103,449	$7,137,415
20	236	$116,423	$12,788	$103,635	$7,033,780
20	237	$116,423	$12,602	$103,820	$6,929,960
20	238	$116,423	$12,416	$104,006	$6,825,953
20	239	$116,423	$12,230	$104,193	$6,721,761
20	240	$116,423	$12,043	$104,379	$6,617,381
21	241	$116,423	$11,856	$104,566	$6,512,815
21	242	$116,423	$11,669	$104,754	$6,408,061
21	243	$116,423	$11,481	$104,942	$6,303,119
21	244	$116,423	$11,293	$105,130	$6,197,990
21	245	$116,423	$11,105	$105,318	$6,092,672
21	246	$116,423	$10,916	$105,507	$5,987,165
21	247	$116,423	$10,727	$105,696	$5,881,470
21	248	$116,423	$10,538	$105,885	$5,775,585
21	249	$116,423	$10,348	$106,075	$5,669,510
21	250	$116,423	$10,158	$106,265	$5,563,245
21	251	$116,423	$9,967	$106,455	$5,456,790
21	252	$116,423	$9,777	$106,646	$5,350,144
22	253	$116,423	$9,586	$106,837	$5,243,307
22	254	$116,423	$9,394	$107,028	$5,136,279
22	255	$116,423	$9,202	$107,220	$5,029,059
22	256	$116,423	$9,010	$107,412	$4,921,647
22	257	$116,423	$8,818	$107,605	$4,814,042
22	258	$116,423	$8,625	$107,797	$4,706,244
22	259	$116,423	$8,432	$107,991	$4,598,254
22	260	$116,423	$8,239	$108,184	$4,490,070
22	261	$116,423	$8,045	$108,378	$4,381,692
22	262	$116,423	$7,851	$108,572	$4,273,120
22	263	$116,423	$7,656	$108,767	$4,164,353
22	264	$116,423	$7,461	$108,961	$4,055,392
23	265	$116,423	$7,266	$109,157	$3,946,235
23	266	$116,423	$7,070	$109,352	$3,836,883
23	267	$116,423	$6,874	$109,548	$3,727,334
23	268	$116,423	$6,678	$109,744	$3,617,590
23	269	$116,423	$6,482	$109,941	$3,507,649
23	270	$116,423	$6,285	$110,138	$3,397,511
23	271	$116,423	$6,087	$110,335	$3,287,175
23	272	$116,423	$5,890	$110,533	$3,176,642
23	273	$116,423	$5,691	$110,731	$3,065,911
23	274	$116,423	$5,493	$110,930	$2,954,982
23	275	$116,423	$5,294	$111,128	$2,843,853
23	276	$116,423	$5,095	$111,327	$2,732,526
24	277	$116,423	$4,896	$111,527	$2,620,999
24	278	$116,423	$4,696	$111,727	$2,509,272
24	279	$116,423	$4,496	$111,927	$2,397,346
24	280	$116,423	$4,295	$112,127	$2,285,218
24	281	$116,423	$4,094	$112,328	$2,172,890
24	282	$116,423	$3,893	$112,530	$2,060,360
24	283	$116,423	$3,691	$112,731	$1,947,629
24	284	$116,423	$3,490	$112,933	$1,834,696
24	285	$116,423	$3,287	$113,135	$1,721,561
24	286	$116,423	$3,084	$113,338	$1,608,222
24	287	$116,423	$2,881	$113,541	$1,494,681
24	288	$116,423	$2,678	$113,745	$1,380,937
25	289	$116,423	$2,474	$113,948	$1,266,988
25	290	$116,423	$2,270	$114,153	$1,152,836
25	291	$116,423	$2,065	$114,357	$1,038,478
25	292	$116,423	$1,861	$114,562	$923,916
25	293	$116,423	$1,655	$114,767	$809,149
25	294	$116,423	$1,450	$114,973	$694,176
25	295	$116,423	$1,244	$115,179	$578,997
25	296	$116,423	$1,037	$115,385	$463,612
25	297	$116,423	$831	$115,592	$348,020
25	298	$116,423	$624	$115,799	$232,221
25	299	$116,423	$416	$116,007	$116,214
25	300	$116,423	$208	$116,214	$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$ 18,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 18,450,000

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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.