Century 21 Centaland Property

Down Payment (HKD)

$18,360,000

Monthly Repayment (HKD)

$118,751

Loan Amount (HKD)

$27,540,000

Total Interest (HKD)

$8,085,323

Total Repayment (HKD)

$35,625,323

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$118,751	$49,343	$69,409	$27,470,591
1	2	$118,751	$49,218	$69,533	$27,401,058
1	3	$118,751	$49,094	$69,658	$27,331,401
1	4	$118,751	$48,969	$69,782	$27,261,619
1	5	$118,751	$48,844	$69,907	$27,191,711
1	6	$118,751	$48,718	$70,033	$27,121,679
1	7	$118,751	$48,593	$70,158	$27,051,521
1	8	$118,751	$48,467	$70,284	$26,981,237
1	9	$118,751	$48,341	$70,410	$26,910,827
1	10	$118,751	$48,215	$70,536	$26,840,291
1	11	$118,751	$48,089	$70,662	$26,769,629
1	12	$118,751	$47,962	$70,789	$26,698,840
2	13	$118,751	$47,835	$70,916	$26,627,925
2	14	$118,751	$47,708	$71,043	$26,556,882
2	15	$118,751	$47,581	$71,170	$26,485,712
2	16	$118,751	$47,454	$71,298	$26,414,414
2	17	$118,751	$47,326	$71,425	$26,342,989
2	18	$118,751	$47,198	$71,553	$26,271,436
2	19	$118,751	$47,070	$71,681	$26,199,755
2	20	$118,751	$46,941	$71,810	$26,127,945
2	21	$118,751	$46,813	$71,939	$26,056,006
2	22	$118,751	$46,684	$72,067	$25,983,939
2	23	$118,751	$46,555	$72,197	$25,911,742
2	24	$118,751	$46,425	$72,326	$25,839,416
3	25	$118,751	$46,296	$72,455	$25,766,961
3	26	$118,751	$46,166	$72,585	$25,694,376
3	27	$118,751	$46,036	$72,715	$25,621,660
3	28	$118,751	$45,905	$72,846	$25,548,815
3	29	$118,751	$45,775	$72,976	$25,475,839
3	30	$118,751	$45,644	$73,107	$25,402,732
3	31	$118,751	$45,513	$73,238	$25,329,494
3	32	$118,751	$45,382	$73,369	$25,256,125
3	33	$118,751	$45,251	$73,501	$25,182,624
3	34	$118,751	$45,119	$73,632	$25,108,992
3	35	$118,751	$44,987	$73,764	$25,035,228
3	36	$118,751	$44,855	$73,896	$24,961,332
4	37	$118,751	$44,722	$74,029	$24,887,303
4	38	$118,751	$44,590	$74,161	$24,813,142
4	39	$118,751	$44,457	$74,294	$24,738,847
4	40	$118,751	$44,324	$74,427	$24,664,420
4	41	$118,751	$44,190	$74,561	$24,589,859
4	42	$118,751	$44,057	$74,694	$24,515,165
4	43	$118,751	$43,923	$74,828	$24,440,337
4	44	$118,751	$43,789	$74,962	$24,365,375
4	45	$118,751	$43,655	$75,096	$24,290,279
4	46	$118,751	$43,520	$75,231	$24,215,048
4	47	$118,751	$43,385	$75,366	$24,139,682
4	48	$118,751	$43,250	$75,501	$24,064,181
5	49	$118,751	$43,115	$75,636	$23,988,545
5	50	$118,751	$42,979	$75,772	$23,912,773
5	51	$118,751	$42,844	$75,907	$23,836,866
5	52	$118,751	$42,708	$76,043	$23,760,823
5	53	$118,751	$42,571	$76,180	$23,684,643
5	54	$118,751	$42,435	$76,316	$23,608,327
5	55	$118,751	$42,298	$76,453	$23,531,874
5	56	$118,751	$42,161	$76,590	$23,455,284
5	57	$118,751	$42,024	$76,727	$23,378,557
5	58	$118,751	$41,887	$76,864	$23,301,693
5	59	$118,751	$41,749	$77,002	$23,224,691
5	60	$118,751	$41,611	$77,140	$23,147,550
6	61	$118,751	$41,473	$77,278	$23,070,272
6	62	$118,751	$41,334	$77,417	$22,992,855
6	63	$118,751	$41,196	$77,556	$22,915,300
6	64	$118,751	$41,057	$77,694	$22,837,605
6	65	$118,751	$40,917	$77,834	$22,759,771
6	66	$118,751	$40,778	$77,973	$22,681,798
6	67	$118,751	$40,638	$78,113	$22,603,685
6	68	$118,751	$40,498	$78,253	$22,525,433
6	69	$118,751	$40,358	$78,393	$22,447,040
6	70	$118,751	$40,218	$78,533	$22,368,506
6	71	$118,751	$40,077	$78,674	$22,289,832
6	72	$118,751	$39,936	$78,815	$22,211,017
7	73	$118,751	$39,795	$78,956	$22,132,060
7	74	$118,751	$39,653	$79,098	$22,052,963
7	75	$118,751	$39,512	$79,240	$21,973,723
7	76	$118,751	$39,370	$79,381	$21,894,342
7	77	$118,751	$39,227	$79,524	$21,814,818
7	78	$118,751	$39,085	$79,666	$21,735,152
7	79	$118,751	$38,942	$79,809	$21,655,343
7	80	$118,751	$38,799	$79,952	$21,575,391
7	81	$118,751	$38,656	$80,095	$21,495,296
7	82	$118,751	$38,512	$80,239	$21,415,057
7	83	$118,751	$38,369	$80,382	$21,334,675
7	84	$118,751	$38,225	$80,526	$21,254,148
8	85	$118,751	$38,080	$80,671	$21,173,477
8	86	$118,751	$37,936	$80,815	$21,092,662
8	87	$118,751	$37,791	$80,960	$21,011,702
8	88	$118,751	$37,646	$81,105	$20,930,597
8	89	$118,751	$37,501	$81,250	$20,849,347
8	90	$118,751	$37,355	$81,396	$20,767,951
8	91	$118,751	$37,209	$81,542	$20,686,409
8	92	$118,751	$37,063	$81,688	$20,604,721
8	93	$118,751	$36,917	$81,834	$20,522,887
8	94	$118,751	$36,770	$81,981	$20,440,906
8	95	$118,751	$36,623	$82,128	$20,358,778
8	96	$118,751	$36,476	$82,275	$20,276,503
9	97	$118,751	$36,329	$82,422	$20,194,081
9	98	$118,751	$36,181	$82,570	$20,111,511
9	99	$118,751	$36,033	$82,718	$20,028,793
9	100	$118,751	$35,885	$82,866	$19,945,926
9	101	$118,751	$35,736	$83,015	$19,862,912
9	102	$118,751	$35,588	$83,163	$19,779,748
9	103	$118,751	$35,439	$83,312	$19,696,436
9	104	$118,751	$35,289	$83,462	$19,612,974
9	105	$118,751	$35,140	$83,611	$19,529,363
9	106	$118,751	$34,990	$83,761	$19,445,602
9	107	$118,751	$34,840	$83,911	$19,361,691
9	108	$118,751	$34,690	$84,061	$19,277,630
10	109	$118,751	$34,539	$84,212	$19,193,418
10	110	$118,751	$34,388	$84,363	$19,109,055
10	111	$118,751	$34,237	$84,514	$19,024,541
10	112	$118,751	$34,086	$84,665	$18,939,876
10	113	$118,751	$33,934	$84,817	$18,855,058
10	114	$118,751	$33,782	$84,969	$18,770,089
10	115	$118,751	$33,630	$85,121	$18,684,968
10	116	$118,751	$33,477	$85,274	$18,599,694
10	117	$118,751	$33,324	$85,427	$18,514,268
10	118	$118,751	$33,171	$85,580	$18,428,688
10	119	$118,751	$33,018	$85,733	$18,342,955
10	120	$118,751	$32,864	$85,887	$18,257,068
11	121	$118,751	$32,711	$86,040	$18,171,028
11	122	$118,751	$32,556	$86,195	$18,084,833
11	123	$118,751	$32,402	$86,349	$17,998,484
11	124	$118,751	$32,247	$86,504	$17,911,980
11	125	$118,751	$32,092	$86,659	$17,825,321
11	126	$118,751	$31,937	$86,814	$17,738,507
11	127	$118,751	$31,781	$86,970	$17,651,538
11	128	$118,751	$31,626	$87,125	$17,564,412
11	129	$118,751	$31,470	$87,282	$17,477,131
11	130	$118,751	$31,313	$87,438	$17,389,693
11	131	$118,751	$31,157	$87,595	$17,302,098
11	132	$118,751	$31,000	$87,751	$17,214,347
12	133	$118,751	$30,842	$87,909	$17,126,438
12	134	$118,751	$30,685	$88,066	$17,038,372
12	135	$118,751	$30,527	$88,224	$16,950,148
12	136	$118,751	$30,369	$88,382	$16,861,766
12	137	$118,751	$30,211	$88,540	$16,773,226
12	138	$118,751	$30,052	$88,699	$16,684,527
12	139	$118,751	$29,893	$88,858	$16,595,669
12	140	$118,751	$29,734	$89,017	$16,506,651
12	141	$118,751	$29,574	$89,177	$16,417,475
12	142	$118,751	$29,415	$89,336	$16,328,138
12	143	$118,751	$29,255	$89,496	$16,238,642
12	144	$118,751	$29,094	$89,657	$16,148,985
13	145	$118,751	$28,934	$89,817	$16,059,168
13	146	$118,751	$28,773	$89,978	$15,969,189
13	147	$118,751	$28,611	$90,140	$15,879,049
13	148	$118,751	$28,450	$90,301	$15,788,748
13	149	$118,751	$28,288	$90,463	$15,698,285
13	150	$118,751	$28,126	$90,625	$15,607,660
13	151	$118,751	$27,964	$90,787	$15,516,873
13	152	$118,751	$27,801	$90,950	$15,425,923
13	153	$118,751	$27,638	$91,113	$15,334,810
13	154	$118,751	$27,475	$91,276	$15,243,534
13	155	$118,751	$27,311	$91,440	$15,152,094
13	156	$118,751	$27,148	$91,604	$15,060,491
14	157	$118,751	$26,983	$91,768	$14,968,723
14	158	$118,751	$26,819	$91,932	$14,876,791
14	159	$118,751	$26,654	$92,097	$14,784,694
14	160	$118,751	$26,489	$92,262	$14,692,432
14	161	$118,751	$26,324	$92,427	$14,600,005
14	162	$118,751	$26,158	$92,593	$14,507,412
14	163	$118,751	$25,992	$92,759	$14,414,654
14	164	$118,751	$25,826	$92,925	$14,321,729
14	165	$118,751	$25,660	$93,091	$14,228,638
14	166	$118,751	$25,493	$93,258	$14,135,379
14	167	$118,751	$25,326	$93,425	$14,041,954
14	168	$118,751	$25,159	$93,593	$13,948,362
15	169	$118,751	$24,991	$93,760	$13,854,601
15	170	$118,751	$24,823	$93,928	$13,760,673
15	171	$118,751	$24,655	$94,097	$13,666,577
15	172	$118,751	$24,486	$94,265	$13,572,311
15	173	$118,751	$24,317	$94,434	$13,477,877
15	174	$118,751	$24,148	$94,603	$13,383,274
15	175	$118,751	$23,978	$94,773	$13,288,502
15	176	$118,751	$23,809	$94,943	$13,193,559
15	177	$118,751	$23,638	$95,113	$13,098,446
15	178	$118,751	$23,468	$95,283	$13,003,163
15	179	$118,751	$23,297	$95,454	$12,907,710
15	180	$118,751	$23,126	$95,625	$12,812,085
16	181	$118,751	$22,955	$95,796	$12,716,289
16	182	$118,751	$22,783	$95,968	$12,620,321
16	183	$118,751	$22,611	$96,140	$12,524,181
16	184	$118,751	$22,439	$96,312	$12,427,869
16	185	$118,751	$22,267	$96,484	$12,331,385
16	186	$118,751	$22,094	$96,657	$12,234,728
16	187	$118,751	$21,921	$96,831	$12,137,897
16	188	$118,751	$21,747	$97,004	$12,040,893
16	189	$118,751	$21,573	$97,178	$11,943,715
16	190	$118,751	$21,399	$97,352	$11,846,363
16	191	$118,751	$21,225	$97,526	$11,748,837
16	192	$118,751	$21,050	$97,701	$11,651,136
17	193	$118,751	$20,875	$97,876	$11,553,260
17	194	$118,751	$20,700	$98,051	$11,455,208
17	195	$118,751	$20,524	$98,227	$11,356,981
17	196	$118,751	$20,348	$98,403	$11,258,578
17	197	$118,751	$20,172	$98,579	$11,159,999
17	198	$118,751	$19,995	$98,756	$11,061,243
17	199	$118,751	$19,818	$98,933	$10,962,309
17	200	$118,751	$19,641	$99,110	$10,863,199
17	201	$118,751	$19,463	$99,288	$10,763,911
17	202	$118,751	$19,285	$99,466	$10,664,446
17	203	$118,751	$19,107	$99,644	$10,564,802
17	204	$118,751	$18,929	$99,822	$10,464,979
18	205	$118,751	$18,750	$100,001	$10,364,978
18	206	$118,751	$18,571	$100,180	$10,264,797
18	207	$118,751	$18,391	$100,360	$10,164,437
18	208	$118,751	$18,211	$100,540	$10,063,898
18	209	$118,751	$18,031	$100,720	$9,963,178
18	210	$118,751	$17,851	$100,900	$9,862,277
18	211	$118,751	$17,670	$101,081	$9,761,196
18	212	$118,751	$17,489	$101,262	$9,659,934
18	213	$118,751	$17,307	$101,444	$9,558,490
18	214	$118,751	$17,126	$101,625	$9,456,865
18	215	$118,751	$16,944	$101,808	$9,355,057
18	216	$118,751	$16,761	$101,990	$9,253,067
19	217	$118,751	$16,578	$102,173	$9,150,895
19	218	$118,751	$16,395	$102,356	$9,048,539
19	219	$118,751	$16,212	$102,539	$8,946,000
19	220	$118,751	$16,028	$102,723	$8,843,277
19	221	$118,751	$15,844	$102,907	$8,740,370
19	222	$118,751	$15,660	$103,091	$8,637,279
19	223	$118,751	$15,475	$103,276	$8,534,003
19	224	$118,751	$15,290	$103,461	$8,430,542
19	225	$118,751	$15,105	$103,646	$8,326,896
19	226	$118,751	$14,919	$103,832	$8,223,063
19	227	$118,751	$14,733	$104,018	$8,119,045
19	228	$118,751	$14,547	$104,204	$8,014,841
20	229	$118,751	$14,360	$104,391	$7,910,450
20	230	$118,751	$14,173	$104,578	$7,805,872
20	231	$118,751	$13,986	$104,766	$7,701,106
20	232	$118,751	$13,798	$104,953	$7,596,153
20	233	$118,751	$13,610	$105,141	$7,491,011
20	234	$118,751	$13,421	$105,330	$7,385,682
20	235	$118,751	$13,233	$105,518	$7,280,163
20	236	$118,751	$13,044	$105,707	$7,174,456
20	237	$118,751	$12,854	$105,897	$7,068,559
20	238	$118,751	$12,665	$106,087	$6,962,473
20	239	$118,751	$12,474	$106,277	$6,856,196
20	240	$118,751	$12,284	$106,467	$6,749,729
21	241	$118,751	$12,093	$106,658	$6,643,071
21	242	$118,751	$11,902	$106,849	$6,536,222
21	243	$118,751	$11,711	$107,040	$6,429,182
21	244	$118,751	$11,519	$107,232	$6,321,950
21	245	$118,751	$11,327	$107,424	$6,214,525
21	246	$118,751	$11,134	$107,617	$6,106,909
21	247	$118,751	$10,942	$107,810	$5,999,099
21	248	$118,751	$10,748	$108,003	$5,891,096
21	249	$118,751	$10,555	$108,196	$5,782,900
21	250	$118,751	$10,361	$108,390	$5,674,510
21	251	$118,751	$10,167	$108,584	$5,565,926
21	252	$118,751	$9,972	$108,779	$5,457,147
22	253	$118,751	$9,777	$108,974	$5,348,173
22	254	$118,751	$9,582	$109,169	$5,239,005
22	255	$118,751	$9,387	$109,365	$5,129,640
22	256	$118,751	$9,191	$109,560	$5,020,080
22	257	$118,751	$8,994	$109,757	$4,910,323
22	258	$118,751	$8,798	$109,953	$4,800,369
22	259	$118,751	$8,601	$110,150	$4,690,219
22	260	$118,751	$8,403	$110,348	$4,579,871
22	261	$118,751	$8,206	$110,545	$4,469,326
22	262	$118,751	$8,008	$110,744	$4,358,582
22	263	$118,751	$7,809	$110,942	$4,247,640
22	264	$118,751	$7,610	$111,141	$4,136,499
23	265	$118,751	$7,411	$111,340	$4,025,160
23	266	$118,751	$7,212	$111,539	$3,913,620
23	267	$118,751	$7,012	$111,739	$3,801,881
23	268	$118,751	$6,812	$111,939	$3,689,942
23	269	$118,751	$6,611	$112,140	$3,577,802
23	270	$118,751	$6,410	$112,341	$3,465,461
23	271	$118,751	$6,209	$112,542	$3,352,919
23	272	$118,751	$6,007	$112,744	$3,240,175
23	273	$118,751	$5,805	$112,946	$3,127,229
23	274	$118,751	$5,603	$113,148	$3,014,081
23	275	$118,751	$5,400	$113,351	$2,900,730
23	276	$118,751	$5,197	$113,554	$2,787,176
24	277	$118,751	$4,994	$113,757	$2,673,419
24	278	$118,751	$4,790	$113,961	$2,559,458
24	279	$118,751	$4,586	$114,165	$2,445,292
24	280	$118,751	$4,381	$114,370	$2,330,922
24	281	$118,751	$4,176	$114,575	$2,216,348
24	282	$118,751	$3,971	$114,780	$2,101,568
24	283	$118,751	$3,765	$114,986	$1,986,582
24	284	$118,751	$3,559	$115,192	$1,871,390
24	285	$118,751	$3,353	$115,398	$1,755,992
24	286	$118,751	$3,146	$115,605	$1,640,387
24	287	$118,751	$2,939	$115,812	$1,524,575
24	288	$118,751	$2,732	$116,020	$1,408,555
25	289	$118,751	$2,524	$116,227	$1,292,328
25	290	$118,751	$2,315	$116,436	$1,175,892
25	291	$118,751	$2,107	$116,644	$1,059,248
25	292	$118,751	$1,898	$116,853	$942,395
25	293	$118,751	$1,688	$117,063	$825,332
25	294	$118,751	$1,479	$117,272	$708,060
25	295	$118,751	$1,269	$117,482	$590,577
25	296	$118,751	$1,058	$117,693	$472,884
25	297	$118,751	$847	$117,904	$354,980
25	298	$118,751	$636	$118,115	$236,865
25	299	$118,751	$424	$118,327	$118,539
25	300	$118,751	$212	$118,539	$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$ 18,360,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 18,819,000

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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.