Century 21 Centaland Property

Down Payment (HKD)

$21,920,000

Monthly Repayment (HKD)

$141,777

Loan Amount (HKD)

$32,880,000

Total Interest (HKD)

$9,653,066

Total Repayment (HKD)

$42,533,066

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$141,777	$58,910	$82,867	$32,797,133
1	2	$141,777	$58,762	$83,015	$32,714,118
1	3	$141,777	$58,613	$83,164	$32,630,954
1	4	$141,777	$58,464	$83,313	$32,547,641
1	5	$141,777	$58,315	$83,462	$32,464,178
1	6	$141,777	$58,165	$83,612	$32,380,566
1	7	$141,777	$58,015	$83,762	$32,296,805
1	8	$141,777	$57,865	$83,912	$32,212,893
1	9	$141,777	$57,715	$84,062	$32,128,831
1	10	$141,777	$57,564	$84,213	$32,044,618
1	11	$141,777	$57,413	$84,364	$31,960,254
1	12	$141,777	$57,262	$84,515	$31,875,740
2	13	$141,777	$57,111	$84,666	$31,791,073
2	14	$141,777	$56,959	$84,818	$31,706,256
2	15	$141,777	$56,807	$84,970	$31,621,286
2	16	$141,777	$56,655	$85,122	$31,536,164
2	17	$141,777	$56,502	$85,275	$31,450,889
2	18	$141,777	$56,350	$85,427	$31,365,462
2	19	$141,777	$56,196	$85,580	$31,279,881
2	20	$141,777	$56,043	$85,734	$31,194,147
2	21	$141,777	$55,890	$85,887	$31,108,260
2	22	$141,777	$55,736	$86,041	$31,022,219
2	23	$141,777	$55,581	$86,195	$30,936,023
2	24	$141,777	$55,427	$86,350	$30,849,674
3	25	$141,777	$55,272	$86,505	$30,763,169
3	26	$141,777	$55,117	$86,660	$30,676,509
3	27	$141,777	$54,962	$86,815	$30,589,695
3	28	$141,777	$54,807	$86,970	$30,502,724
3	29	$141,777	$54,651	$87,126	$30,415,598
3	30	$141,777	$54,495	$87,282	$30,328,316
3	31	$141,777	$54,338	$87,439	$30,240,877
3	32	$141,777	$54,182	$87,595	$30,153,282
3	33	$141,777	$54,025	$87,752	$30,065,530
3	34	$141,777	$53,867	$87,909	$29,977,620
3	35	$141,777	$53,710	$88,067	$29,889,553
3	36	$141,777	$53,552	$88,225	$29,801,328
4	37	$141,777	$53,394	$88,383	$29,712,946
4	38	$141,777	$53,236	$88,541	$29,624,404
4	39	$141,777	$53,077	$88,700	$29,535,705
4	40	$141,777	$52,918	$88,859	$29,446,846
4	41	$141,777	$52,759	$89,018	$29,357,828
4	42	$141,777	$52,599	$89,177	$29,268,650
4	43	$141,777	$52,440	$89,337	$29,179,313
4	44	$141,777	$52,280	$89,497	$29,089,816
4	45	$141,777	$52,119	$89,658	$29,000,158
4	46	$141,777	$51,959	$89,818	$28,910,340
4	47	$141,777	$51,798	$89,979	$28,820,361
4	48	$141,777	$51,636	$90,140	$28,730,220
5	49	$141,777	$51,475	$90,302	$28,639,919
5	50	$141,777	$51,313	$90,464	$28,549,455
5	51	$141,777	$51,151	$90,626	$28,458,829
5	52	$141,777	$50,989	$90,788	$28,368,041
5	53	$141,777	$50,826	$90,951	$28,277,090
5	54	$141,777	$50,663	$91,114	$28,185,976
5	55	$141,777	$50,500	$91,277	$28,094,699
5	56	$141,777	$50,336	$91,441	$28,003,259
5	57	$141,777	$50,173	$91,604	$27,911,654
5	58	$141,777	$50,008	$91,769	$27,819,886
5	59	$141,777	$49,844	$91,933	$27,727,953
5	60	$141,777	$49,679	$92,098	$27,635,855
6	61	$141,777	$49,514	$92,263	$27,543,593
6	62	$141,777	$49,349	$92,428	$27,451,165
6	63	$141,777	$49,183	$92,594	$27,358,571
6	64	$141,777	$49,017	$92,759	$27,265,812
6	65	$141,777	$48,851	$92,926	$27,172,886
6	66	$141,777	$48,685	$93,092	$27,079,794
6	67	$141,777	$48,518	$93,259	$26,986,535
6	68	$141,777	$48,351	$93,426	$26,893,109
6	69	$141,777	$48,183	$93,593	$26,799,516
6	70	$141,777	$48,016	$93,761	$26,705,755
6	71	$141,777	$47,848	$93,929	$26,611,825
6	72	$141,777	$47,680	$94,097	$26,517,728
7	73	$141,777	$47,511	$94,266	$26,423,462
7	74	$141,777	$47,342	$94,435	$26,329,027
7	75	$141,777	$47,173	$94,604	$26,234,423
7	76	$141,777	$47,003	$94,774	$26,139,650
7	77	$141,777	$46,834	$94,943	$26,044,706
7	78	$141,777	$46,663	$95,113	$25,949,593
7	79	$141,777	$46,493	$95,284	$25,854,309
7	80	$141,777	$46,322	$95,455	$25,758,854
7	81	$141,777	$46,151	$95,626	$25,663,229
7	82	$141,777	$45,980	$95,797	$25,567,432
7	83	$141,777	$45,808	$95,969	$25,471,463
7	84	$141,777	$45,636	$96,141	$25,375,323
8	85	$141,777	$45,464	$96,313	$25,279,010
8	86	$141,777	$45,292	$96,485	$25,182,525
8	87	$141,777	$45,119	$96,658	$25,085,867
8	88	$141,777	$44,946	$96,831	$24,989,035
8	89	$141,777	$44,772	$97,005	$24,892,030
8	90	$141,777	$44,598	$97,179	$24,794,852
8	91	$141,777	$44,424	$97,353	$24,697,499
8	92	$141,777	$44,250	$97,527	$24,599,972
8	93	$141,777	$44,075	$97,702	$24,502,270
8	94	$141,777	$43,900	$97,877	$24,404,393
8	95	$141,777	$43,725	$98,052	$24,306,340
8	96	$141,777	$43,549	$98,228	$24,208,112
9	97	$141,777	$43,373	$98,404	$24,109,708
9	98	$141,777	$43,197	$98,580	$24,011,128
9	99	$141,777	$43,020	$98,757	$23,912,371
9	100	$141,777	$42,843	$98,934	$23,813,437
9	101	$141,777	$42,666	$99,111	$23,714,326
9	102	$141,777	$42,488	$99,289	$23,615,037
9	103	$141,777	$42,310	$99,467	$23,515,571
9	104	$141,777	$42,132	$99,645	$23,415,926
9	105	$141,777	$41,954	$99,823	$23,316,103
9	106	$141,777	$41,775	$100,002	$23,216,100
9	107	$141,777	$41,596	$100,181	$23,115,919
9	108	$141,777	$41,416	$100,361	$23,015,558
10	109	$141,777	$41,236	$100,541	$22,915,017
10	110	$141,777	$41,056	$100,721	$22,814,297
10	111	$141,777	$40,876	$100,901	$22,713,395
10	112	$141,777	$40,695	$101,082	$22,612,313
10	113	$141,777	$40,514	$101,263	$22,511,050
10	114	$141,777	$40,332	$101,445	$22,409,606
10	115	$141,777	$40,151	$101,626	$22,307,979
10	116	$141,777	$39,968	$101,808	$22,206,171
10	117	$141,777	$39,786	$101,991	$22,104,180
10	118	$141,777	$39,603	$102,174	$22,002,006
10	119	$141,777	$39,420	$102,357	$21,899,650
10	120	$141,777	$39,237	$102,540	$21,797,110
11	121	$141,777	$39,053	$102,724	$21,694,386
11	122	$141,777	$38,869	$102,908	$21,591,478
11	123	$141,777	$38,685	$103,092	$21,488,386
11	124	$141,777	$38,500	$103,277	$21,385,109
11	125	$141,777	$38,315	$103,462	$21,281,647
11	126	$141,777	$38,130	$103,647	$21,178,000
11	127	$141,777	$37,944	$103,833	$21,074,167
11	128	$141,777	$37,758	$104,019	$20,970,148
11	129	$141,777	$37,572	$104,205	$20,865,943
11	130	$141,777	$37,385	$104,392	$20,761,551
11	131	$141,777	$37,198	$104,579	$20,656,972
11	132	$141,777	$37,010	$104,766	$20,552,205
12	133	$141,777	$36,823	$104,954	$20,447,251
12	134	$141,777	$36,635	$105,142	$20,342,109
12	135	$141,777	$36,446	$105,331	$20,236,778
12	136	$141,777	$36,258	$105,519	$20,131,259
12	137	$141,777	$36,069	$105,708	$20,025,550
12	138	$141,777	$35,879	$105,898	$19,919,653
12	139	$141,777	$35,689	$106,088	$19,813,565
12	140	$141,777	$35,499	$106,278	$19,707,288
12	141	$141,777	$35,309	$106,468	$19,600,820
12	142	$141,777	$35,118	$106,659	$19,494,161
12	143	$141,777	$34,927	$106,850	$19,387,311
12	144	$141,777	$34,736	$107,041	$19,280,270
13	145	$141,777	$34,544	$107,233	$19,173,037
13	146	$141,777	$34,352	$107,425	$19,065,611
13	147	$141,777	$34,159	$107,618	$18,957,994
13	148	$141,777	$33,966	$107,810	$18,850,183
13	149	$141,777	$33,773	$108,004	$18,742,180
13	150	$141,777	$33,580	$108,197	$18,633,982
13	151	$141,777	$33,386	$108,391	$18,525,591
13	152	$141,777	$33,192	$108,585	$18,417,006
13	153	$141,777	$32,997	$108,780	$18,308,227
13	154	$141,777	$32,802	$108,975	$18,199,252
13	155	$141,777	$32,607	$109,170	$18,090,082
13	156	$141,777	$32,411	$109,365	$17,980,716
14	157	$141,777	$32,215	$109,561	$17,871,155
14	158	$141,777	$32,019	$109,758	$17,761,397
14	159	$141,777	$31,823	$109,954	$17,651,443
14	160	$141,777	$31,626	$110,151	$17,541,292
14	161	$141,777	$31,428	$110,349	$17,430,943
14	162	$141,777	$31,230	$110,546	$17,320,396
14	163	$141,777	$31,032	$110,745	$17,209,652
14	164	$141,777	$30,834	$110,943	$17,098,709
14	165	$141,777	$30,635	$111,142	$16,987,567
14	166	$141,777	$30,436	$111,341	$16,876,226
14	167	$141,777	$30,237	$111,540	$16,764,686
14	168	$141,777	$30,037	$111,740	$16,652,946
15	169	$141,777	$29,837	$111,940	$16,541,006
15	170	$141,777	$29,636	$112,141	$16,428,865
15	171	$141,777	$29,435	$112,342	$16,316,523
15	172	$141,777	$29,234	$112,543	$16,203,980
15	173	$141,777	$29,032	$112,745	$16,091,235
15	174	$141,777	$28,830	$112,947	$15,978,288
15	175	$141,777	$28,628	$113,149	$15,865,139
15	176	$141,777	$28,425	$113,352	$15,751,787
15	177	$141,777	$28,222	$113,555	$15,638,232
15	178	$141,777	$28,018	$113,758	$15,524,474
15	179	$141,777	$27,815	$113,962	$15,410,512
15	180	$141,777	$27,611	$114,166	$15,296,345
16	181	$141,777	$27,406	$114,371	$15,181,974
16	182	$141,777	$27,201	$114,576	$15,067,399
16	183	$141,777	$26,996	$114,781	$14,952,617
16	184	$141,777	$26,790	$114,987	$14,837,631
16	185	$141,777	$26,584	$115,193	$14,722,438
16	186	$141,777	$26,378	$115,399	$14,607,039
16	187	$141,777	$26,171	$115,606	$14,491,433
16	188	$141,777	$25,964	$115,813	$14,375,620
16	189	$141,777	$25,756	$116,021	$14,259,599
16	190	$141,777	$25,548	$116,228	$14,143,371
16	191	$141,777	$25,340	$116,437	$14,026,934
16	192	$141,777	$25,132	$116,645	$13,910,289
17	193	$141,777	$24,923	$116,854	$13,793,434
17	194	$141,777	$24,713	$117,064	$13,676,371
17	195	$141,777	$24,503	$117,273	$13,559,097
17	196	$141,777	$24,293	$117,484	$13,441,614
17	197	$141,777	$24,083	$117,694	$13,323,920
17	198	$141,777	$23,872	$117,905	$13,206,015
17	199	$141,777	$23,661	$118,116	$13,087,899
17	200	$141,777	$23,449	$118,328	$12,969,571
17	201	$141,777	$23,237	$118,540	$12,851,031
17	202	$141,777	$23,025	$118,752	$12,732,279
17	203	$141,777	$22,812	$118,965	$12,613,314
17	204	$141,777	$22,599	$119,178	$12,494,136
18	205	$141,777	$22,385	$119,392	$12,374,745
18	206	$141,777	$22,171	$119,605	$12,255,139
18	207	$141,777	$21,957	$119,820	$12,135,320
18	208	$141,777	$21,742	$120,034	$12,015,285
18	209	$141,777	$21,527	$120,249	$11,895,036
18	210	$141,777	$21,312	$120,465	$11,774,571
18	211	$141,777	$21,096	$120,681	$11,653,890
18	212	$141,777	$20,880	$120,897	$11,532,993
18	213	$141,777	$20,663	$121,114	$11,411,879
18	214	$141,777	$20,446	$121,331	$11,290,549
18	215	$141,777	$20,229	$121,548	$11,169,001
18	216	$141,777	$20,011	$121,766	$11,047,235
19	217	$141,777	$19,793	$121,984	$10,925,251
19	218	$141,777	$19,574	$122,202	$10,803,049
19	219	$141,777	$19,355	$122,421	$10,680,627
19	220	$141,777	$19,136	$122,641	$10,557,986
19	221	$141,777	$18,916	$122,860	$10,435,126
19	222	$141,777	$18,696	$123,081	$10,312,045
19	223	$141,777	$18,476	$123,301	$10,188,744
19	224	$141,777	$18,255	$123,522	$10,065,222
19	225	$141,777	$18,034	$123,743	$9,941,479
19	226	$141,777	$17,812	$123,965	$9,817,514
19	227	$141,777	$17,590	$124,187	$9,693,327
19	228	$141,777	$17,367	$124,410	$9,568,917
20	229	$141,777	$17,144	$124,633	$9,444,284
20	230	$141,777	$16,921	$124,856	$9,319,428
20	231	$141,777	$16,697	$125,080	$9,194,349
20	232	$141,777	$16,473	$125,304	$9,069,045
20	233	$141,777	$16,249	$125,528	$8,943,517
20	234	$141,777	$16,024	$125,753	$8,817,764
20	235	$141,777	$15,798	$125,978	$8,691,785
20	236	$141,777	$15,573	$126,204	$8,565,581
20	237	$141,777	$15,347	$126,430	$8,439,151
20	238	$141,777	$15,120	$126,657	$8,312,494
20	239	$141,777	$14,893	$126,884	$8,185,611
20	240	$141,777	$14,666	$127,111	$8,058,500
21	241	$141,777	$14,438	$127,339	$7,931,161
21	242	$141,777	$14,210	$127,567	$7,803,594
21	243	$141,777	$13,981	$127,795	$7,675,799
21	244	$141,777	$13,752	$128,024	$7,547,774
21	245	$141,777	$13,523	$128,254	$7,419,520
21	246	$141,777	$13,293	$128,484	$7,291,037
21	247	$141,777	$13,063	$128,714	$7,162,323
21	248	$141,777	$12,832	$128,944	$7,033,379
21	249	$141,777	$12,601	$129,175	$6,904,203
21	250	$141,777	$12,370	$129,407	$6,774,796
21	251	$141,777	$12,138	$129,639	$6,645,158
21	252	$141,777	$11,906	$129,871	$6,515,287
22	253	$141,777	$11,673	$130,104	$6,385,183
22	254	$141,777	$11,440	$130,337	$6,254,846
22	255	$141,777	$11,207	$130,570	$6,124,276
22	256	$141,777	$10,973	$130,804	$5,993,472
22	257	$141,777	$10,738	$131,039	$5,862,433
22	258	$141,777	$10,504	$131,273	$5,731,160
22	259	$141,777	$10,268	$131,509	$5,599,651
22	260	$141,777	$10,033	$131,744	$5,467,907
22	261	$141,777	$9,797	$131,980	$5,335,927
22	262	$141,777	$9,560	$132,217	$5,203,710
22	263	$141,777	$9,323	$132,454	$5,071,257
22	264	$141,777	$9,086	$132,691	$4,938,566
23	265	$141,777	$8,848	$132,929	$4,805,637
23	266	$141,777	$8,610	$133,167	$4,672,470
23	267	$141,777	$8,372	$133,405	$4,539,065
23	268	$141,777	$8,132	$133,644	$4,405,421
23	269	$141,777	$7,893	$133,884	$4,271,537
23	270	$141,777	$7,653	$134,124	$4,137,413
23	271	$141,777	$7,413	$134,364	$4,003,049
23	272	$141,777	$7,172	$134,605	$3,868,444
23	273	$141,777	$6,931	$134,846	$3,733,598
23	274	$141,777	$6,689	$135,088	$3,598,511
23	275	$141,777	$6,447	$135,330	$3,463,181
23	276	$141,777	$6,205	$135,572	$3,327,609
24	277	$141,777	$5,962	$135,815	$3,191,794
24	278	$141,777	$5,719	$136,058	$3,055,736
24	279	$141,777	$5,475	$136,302	$2,919,434
24	280	$141,777	$5,231	$136,546	$2,782,888
24	281	$141,777	$4,986	$136,791	$2,646,097
24	282	$141,777	$4,741	$137,036	$2,509,061
24	283	$141,777	$4,495	$137,281	$2,371,780
24	284	$141,777	$4,249	$137,527	$2,234,252
24	285	$141,777	$4,003	$137,774	$2,096,478
24	286	$141,777	$3,756	$138,021	$1,958,458
24	287	$141,777	$3,509	$138,268	$1,820,190
24	288	$141,777	$3,261	$138,516	$1,681,674
25	289	$141,777	$3,013	$138,764	$1,542,910
25	290	$141,777	$2,764	$139,013	$1,403,897
25	291	$141,777	$2,515	$139,262	$1,264,636
25	292	$141,777	$2,266	$139,511	$1,125,125
25	293	$141,777	$2,016	$139,761	$985,364
25	294	$141,777	$1,765	$140,011	$845,352
25	295	$141,777	$1,515	$140,262	$705,090
25	296	$141,777	$1,263	$140,514	$564,576
25	297	$141,777	$1,012	$140,765	$423,811
25	298	$141,777	$759	$141,018	$282,794
25	299	$141,777	$507	$141,270	$141,523
25	300	$141,777	$254	$141,523	$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$ 21,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 22,468,000

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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.