Century 21 Centaland Property

Down Payment (HKD)

$16,920,000

Monthly Repayment (HKD)

$109,437

Loan Amount (HKD)

$25,380,000

Total Interest (HKD)

$7,451,180

Total Repayment (HKD)

$32,831,180

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$109,437	$45,473	$63,965	$25,316,035
1	2	$109,437	$45,358	$64,079	$25,251,956
1	3	$109,437	$45,243	$64,194	$25,187,762
1	4	$109,437	$45,128	$64,309	$25,123,452
1	5	$109,437	$45,013	$64,424	$25,059,028
1	6	$109,437	$44,897	$64,540	$24,994,488
1	7	$109,437	$44,782	$64,655	$24,929,833
1	8	$109,437	$44,666	$64,771	$24,865,061
1	9	$109,437	$44,550	$64,887	$24,800,174
1	10	$109,437	$44,434	$65,004	$24,735,170
1	11	$109,437	$44,317	$65,120	$24,670,050
1	12	$109,437	$44,201	$65,237	$24,604,814
2	13	$109,437	$44,084	$65,354	$24,539,460
2	14	$109,437	$43,967	$65,471	$24,473,989
2	15	$109,437	$43,849	$65,588	$24,408,401
2	16	$109,437	$43,732	$65,706	$24,342,696
2	17	$109,437	$43,614	$65,823	$24,276,872
2	18	$109,437	$43,496	$65,941	$24,210,931
2	19	$109,437	$43,378	$66,059	$24,144,872
2	20	$109,437	$43,260	$66,178	$24,078,694
2	21	$109,437	$43,141	$66,296	$24,012,398
2	22	$109,437	$43,022	$66,415	$23,945,983
2	23	$109,437	$42,903	$66,534	$23,879,449
2	24	$109,437	$42,784	$66,653	$23,812,795
3	25	$109,437	$42,665	$66,773	$23,746,023
3	26	$109,437	$42,545	$66,892	$23,679,130
3	27	$109,437	$42,425	$67,012	$23,612,118
3	28	$109,437	$42,305	$67,132	$23,544,986
3	29	$109,437	$42,185	$67,253	$23,477,734
3	30	$109,437	$42,064	$67,373	$23,410,361
3	31	$109,437	$41,944	$67,494	$23,342,867
3	32	$109,437	$41,823	$67,615	$23,275,252
3	33	$109,437	$41,701	$67,736	$23,207,517
3	34	$109,437	$41,580	$67,857	$23,139,659
3	35	$109,437	$41,459	$67,979	$23,071,681
3	36	$109,437	$41,337	$68,101	$23,003,580
4	37	$109,437	$41,215	$68,223	$22,935,358
4	38	$109,437	$41,093	$68,345	$22,867,013
4	39	$109,437	$40,970	$68,467	$22,798,546
4	40	$109,437	$40,847	$68,590	$22,729,956
4	41	$109,437	$40,725	$68,713	$22,661,243
4	42	$109,437	$40,601	$68,836	$22,592,407
4	43	$109,437	$40,478	$68,959	$22,523,448
4	44	$109,437	$40,355	$69,083	$22,454,365
4	45	$109,437	$40,231	$69,207	$22,385,159
4	46	$109,437	$40,107	$69,331	$22,315,828
4	47	$109,437	$39,983	$69,455	$22,246,373
4	48	$109,437	$39,858	$69,579	$22,176,794
5	49	$109,437	$39,733	$69,704	$22,107,090
5	50	$109,437	$39,609	$69,829	$22,037,262
5	51	$109,437	$39,483	$69,954	$21,967,308
5	52	$109,437	$39,358	$70,079	$21,897,229
5	53	$109,437	$39,233	$70,205	$21,827,024
5	54	$109,437	$39,107	$70,331	$21,756,693
5	55	$109,437	$38,981	$70,457	$21,686,237
5	56	$109,437	$38,855	$70,583	$21,615,654
5	57	$109,437	$38,728	$70,709	$21,544,945
5	58	$109,437	$38,601	$70,836	$21,474,109
5	59	$109,437	$38,474	$70,963	$21,403,146
5	60	$109,437	$38,347	$71,090	$21,332,056
6	61	$109,437	$38,220	$71,217	$21,260,839
6	62	$109,437	$38,092	$71,345	$21,189,494
6	63	$109,437	$37,965	$71,473	$21,118,021
6	64	$109,437	$37,836	$71,601	$21,046,420
6	65	$109,437	$37,708	$71,729	$20,974,691
6	66	$109,437	$37,580	$71,858	$20,902,834
6	67	$109,437	$37,451	$71,986	$20,830,847
6	68	$109,437	$37,322	$72,115	$20,758,732
6	69	$109,437	$37,193	$72,245	$20,686,487
6	70	$109,437	$37,063	$72,374	$20,614,113
6	71	$109,437	$36,934	$72,504	$20,541,610
6	72	$109,437	$36,804	$72,634	$20,468,976
7	73	$109,437	$36,674	$72,764	$20,396,213
7	74	$109,437	$36,543	$72,894	$20,323,319
7	75	$109,437	$36,413	$73,025	$20,250,294
7	76	$109,437	$36,282	$73,155	$20,177,138
7	77	$109,437	$36,151	$73,287	$20,103,852
7	78	$109,437	$36,019	$73,418	$20,030,434
7	79	$109,437	$35,888	$73,549	$19,956,885
7	80	$109,437	$35,756	$73,681	$19,883,203
7	81	$109,437	$35,624	$73,813	$19,809,390
7	82	$109,437	$35,492	$73,945	$19,735,445
7	83	$109,437	$35,359	$74,078	$19,661,367
7	84	$109,437	$35,227	$74,211	$19,587,156
8	85	$109,437	$35,094	$74,344	$19,512,813
8	86	$109,437	$34,960	$74,477	$19,438,336
8	87	$109,437	$34,827	$74,610	$19,363,725
8	88	$109,437	$34,693	$74,744	$19,288,982
8	89	$109,437	$34,559	$74,878	$19,214,104
8	90	$109,437	$34,425	$75,012	$19,139,092
8	91	$109,437	$34,291	$75,146	$19,063,945
8	92	$109,437	$34,156	$75,281	$18,988,664
8	93	$109,437	$34,021	$75,416	$18,913,248
8	94	$109,437	$33,886	$75,551	$18,837,697
8	95	$109,437	$33,751	$75,686	$18,762,011
8	96	$109,437	$33,615	$75,822	$18,686,189
9	97	$109,437	$33,479	$75,958	$18,610,231
9	98	$109,437	$33,343	$76,094	$18,534,137
9	99	$109,437	$33,207	$76,230	$18,457,907
9	100	$109,437	$33,070	$76,367	$18,381,540
9	101	$109,437	$32,934	$76,504	$18,305,036
9	102	$109,437	$32,797	$76,641	$18,228,396
9	103	$109,437	$32,659	$76,778	$18,151,618
9	104	$109,437	$32,522	$76,916	$18,074,702
9	105	$109,437	$32,384	$77,053	$17,997,649
9	106	$109,437	$32,246	$77,191	$17,920,457
9	107	$109,437	$32,107	$77,330	$17,843,127
9	108	$109,437	$31,969	$77,468	$17,765,659
10	109	$109,437	$31,830	$77,607	$17,688,052
10	110	$109,437	$31,691	$77,746	$17,610,306
10	111	$109,437	$31,552	$77,885	$17,532,420
10	112	$109,437	$31,412	$78,025	$17,454,395
10	113	$109,437	$31,272	$78,165	$17,376,230
10	114	$109,437	$31,132	$78,305	$17,297,925
10	115	$109,437	$30,992	$78,445	$17,219,480
10	116	$109,437	$30,852	$78,586	$17,140,895
10	117	$109,437	$30,711	$78,726	$17,062,168
10	118	$109,437	$30,570	$78,868	$16,983,301
10	119	$109,437	$30,428	$79,009	$16,904,292
10	120	$109,437	$30,287	$79,150	$16,825,141
11	121	$109,437	$30,145	$79,292	$16,745,849
11	122	$109,437	$30,003	$79,434	$16,666,415
11	123	$109,437	$29,861	$79,577	$16,586,838
11	124	$109,437	$29,718	$79,719	$16,507,119
11	125	$109,437	$29,575	$79,862	$16,427,257
11	126	$109,437	$29,432	$80,005	$16,347,252
11	127	$109,437	$29,289	$80,148	$16,267,103
11	128	$109,437	$29,145	$80,292	$16,186,811
11	129	$109,437	$29,001	$80,436	$16,106,376
11	130	$109,437	$28,857	$80,580	$16,025,796
11	131	$109,437	$28,713	$80,724	$15,945,071
11	132	$109,437	$28,568	$80,869	$15,864,202
12	133	$109,437	$28,423	$81,014	$15,783,188
12	134	$109,437	$28,278	$81,159	$15,702,029
12	135	$109,437	$28,133	$81,304	$15,620,725
12	136	$109,437	$27,987	$81,450	$15,539,275
12	137	$109,437	$27,841	$81,596	$15,457,679
12	138	$109,437	$27,695	$81,742	$15,375,936
12	139	$109,437	$27,549	$81,889	$15,294,048
12	140	$109,437	$27,402	$82,035	$15,212,012
12	141	$109,437	$27,255	$82,182	$15,129,830
12	142	$109,437	$27,108	$82,330	$15,047,500
12	143	$109,437	$26,960	$82,477	$14,965,023
12	144	$109,437	$26,812	$82,625	$14,882,398
13	145	$109,437	$26,664	$82,773	$14,799,625
13	146	$109,437	$26,516	$82,921	$14,716,704
13	147	$109,437	$26,367	$83,070	$14,633,634
13	148	$109,437	$26,219	$83,219	$14,550,415
13	149	$109,437	$26,069	$83,368	$14,467,047
13	150	$109,437	$25,920	$83,517	$14,383,530
13	151	$109,437	$25,770	$83,667	$14,299,863
13	152	$109,437	$25,621	$83,817	$14,216,047
13	153	$109,437	$25,470	$83,967	$14,132,080
13	154	$109,437	$25,320	$84,117	$14,047,963
13	155	$109,437	$25,169	$84,268	$13,963,695
13	156	$109,437	$25,018	$84,419	$13,879,276
14	157	$109,437	$24,867	$84,570	$13,794,705
14	158	$109,437	$24,716	$84,722	$13,709,984
14	159	$109,437	$24,564	$84,874	$13,625,110
14	160	$109,437	$24,412	$85,026	$13,540,085
14	161	$109,437	$24,259	$85,178	$13,454,907
14	162	$109,437	$24,107	$85,331	$13,369,576
14	163	$109,437	$23,954	$85,483	$13,284,093
14	164	$109,437	$23,801	$85,637	$13,198,456
14	165	$109,437	$23,647	$85,790	$13,112,666
14	166	$109,437	$23,494	$85,944	$13,026,722
14	167	$109,437	$23,340	$86,098	$12,940,624
14	168	$109,437	$23,185	$86,252	$12,854,373
15	169	$109,437	$23,031	$86,407	$12,767,966
15	170	$109,437	$22,876	$86,561	$12,681,405
15	171	$109,437	$22,721	$86,716	$12,594,688
15	172	$109,437	$22,565	$86,872	$12,507,816
15	173	$109,437	$22,410	$87,027	$12,420,789
15	174	$109,437	$22,254	$87,183	$12,333,606
15	175	$109,437	$22,098	$87,340	$12,246,266
15	176	$109,437	$21,941	$87,496	$12,158,770
15	177	$109,437	$21,784	$87,653	$12,071,117
15	178	$109,437	$21,627	$87,810	$11,983,307
15	179	$109,437	$21,470	$87,967	$11,895,340
15	180	$109,437	$21,312	$88,125	$11,807,215
16	181	$109,437	$21,155	$88,283	$11,718,933
16	182	$109,437	$20,996	$88,441	$11,630,492
16	183	$109,437	$20,838	$88,599	$11,541,893
16	184	$109,437	$20,679	$88,758	$11,453,135
16	185	$109,437	$20,520	$88,917	$11,364,218
16	186	$109,437	$20,361	$89,076	$11,275,141
16	187	$109,437	$20,201	$89,236	$11,185,905
16	188	$109,437	$20,041	$89,396	$11,096,509
16	189	$109,437	$19,881	$89,556	$11,006,953
16	190	$109,437	$19,721	$89,716	$10,917,237
16	191	$109,437	$19,560	$89,877	$10,827,360
16	192	$109,437	$19,399	$90,038	$10,737,321
17	193	$109,437	$19,238	$90,200	$10,647,122
17	194	$109,437	$19,076	$90,361	$10,556,761
17	195	$109,437	$18,914	$90,523	$10,466,238
17	196	$109,437	$18,752	$90,685	$10,375,552
17	197	$109,437	$18,590	$90,848	$10,284,705
17	198	$109,437	$18,427	$91,011	$10,193,694
17	199	$109,437	$18,264	$91,174	$10,102,521
17	200	$109,437	$18,100	$91,337	$10,011,184
17	201	$109,437	$17,937	$91,501	$9,919,683
17	202	$109,437	$17,773	$91,665	$9,828,019
17	203	$109,437	$17,609	$91,829	$9,736,190
17	204	$109,437	$17,444	$91,993	$9,644,197
18	205	$109,437	$17,279	$92,158	$9,552,038
18	206	$109,437	$17,114	$92,323	$9,459,715
18	207	$109,437	$16,949	$92,489	$9,367,227
18	208	$109,437	$16,783	$92,654	$9,274,572
18	209	$109,437	$16,617	$92,820	$9,181,752
18	210	$109,437	$16,451	$92,987	$9,088,765
18	211	$109,437	$16,284	$93,153	$8,995,612
18	212	$109,437	$16,117	$93,320	$8,902,292
18	213	$109,437	$15,950	$93,487	$8,808,805
18	214	$109,437	$15,782	$93,655	$8,715,150
18	215	$109,437	$15,615	$93,823	$8,621,327
18	216	$109,437	$15,447	$93,991	$8,527,337
19	217	$109,437	$15,278	$94,159	$8,433,177
19	218	$109,437	$15,109	$94,328	$8,338,850
19	219	$109,437	$14,940	$94,497	$8,244,353
19	220	$109,437	$14,771	$94,666	$8,149,687
19	221	$109,437	$14,602	$94,836	$8,054,851
19	222	$109,437	$14,432	$95,006	$7,959,845
19	223	$109,437	$14,261	$95,176	$7,864,669
19	224	$109,437	$14,091	$95,346	$7,769,323
19	225	$109,437	$13,920	$95,517	$7,673,806
19	226	$109,437	$13,749	$95,688	$7,578,117
19	227	$109,437	$13,577	$95,860	$7,482,258
19	228	$109,437	$13,406	$96,032	$7,386,226
20	229	$109,437	$13,234	$96,204	$7,290,022
20	230	$109,437	$13,061	$96,376	$7,193,646
20	231	$109,437	$12,889	$96,549	$7,097,098
20	232	$109,437	$12,716	$96,722	$7,000,376
20	233	$109,437	$12,542	$96,895	$6,903,481
20	234	$109,437	$12,369	$97,069	$6,806,413
20	235	$109,437	$12,195	$97,242	$6,709,170
20	236	$109,437	$12,021	$97,417	$6,611,754
20	237	$109,437	$11,846	$97,591	$6,514,162
20	238	$109,437	$11,671	$97,766	$6,416,396
20	239	$109,437	$11,496	$97,941	$6,318,455
20	240	$109,437	$11,321	$98,117	$6,220,338
21	241	$109,437	$11,145	$98,292	$6,122,046
21	242	$109,437	$10,969	$98,469	$6,023,577
21	243	$109,437	$10,792	$98,645	$5,924,932
21	244	$109,437	$10,616	$98,822	$5,826,110
21	245	$109,437	$10,438	$98,999	$5,727,112
21	246	$109,437	$10,261	$99,176	$5,627,935
21	247	$109,437	$10,083	$99,354	$5,528,582
21	248	$109,437	$9,905	$99,532	$5,429,050
21	249	$109,437	$9,727	$99,710	$5,329,339
21	250	$109,437	$9,548	$99,889	$5,229,451
21	251	$109,437	$9,369	$100,068	$5,129,383
21	252	$109,437	$9,190	$100,247	$5,029,136
22	253	$109,437	$9,011	$100,427	$4,928,709
22	254	$109,437	$8,831	$100,607	$4,828,102
22	255	$109,437	$8,650	$100,787	$4,727,315
22	256	$109,437	$8,470	$100,967	$4,626,348
22	257	$109,437	$8,289	$101,148	$4,525,199
22	258	$109,437	$8,108	$101,330	$4,423,870
22	259	$109,437	$7,926	$101,511	$4,322,359
22	260	$109,437	$7,744	$101,693	$4,220,666
22	261	$109,437	$7,562	$101,875	$4,118,790
22	262	$109,437	$7,379	$102,058	$4,016,733
22	263	$109,437	$7,197	$102,241	$3,914,492
22	264	$109,437	$7,013	$102,424	$3,812,068
23	265	$109,437	$6,830	$102,607	$3,709,461
23	266	$109,437	$6,646	$102,791	$3,606,670
23	267	$109,437	$6,462	$102,975	$3,503,694
23	268	$109,437	$6,277	$103,160	$3,400,535
23	269	$109,437	$6,093	$103,345	$3,297,190
23	270	$109,437	$5,907	$103,530	$3,193,660
23	271	$109,437	$5,722	$103,715	$3,089,945
23	272	$109,437	$5,536	$103,901	$2,986,044
23	273	$109,437	$5,350	$104,087	$2,881,956
23	274	$109,437	$5,164	$104,274	$2,777,683
23	275	$109,437	$4,977	$104,461	$2,673,222
23	276	$109,437	$4,790	$104,648	$2,568,574
24	277	$109,437	$4,602	$104,835	$2,463,739
24	278	$109,437	$4,414	$105,023	$2,358,716
24	279	$109,437	$4,226	$105,211	$2,253,505
24	280	$109,437	$4,038	$105,400	$2,148,105
24	281	$109,437	$3,849	$105,589	$2,042,516
24	282	$109,437	$3,660	$105,778	$1,936,739
24	283	$109,437	$3,470	$105,967	$1,830,771
24	284	$109,437	$3,280	$106,157	$1,724,614
24	285	$109,437	$3,090	$106,347	$1,618,267
24	286	$109,437	$2,899	$106,538	$1,511,729
24	287	$109,437	$2,709	$106,729	$1,405,000
24	288	$109,437	$2,517	$106,920	$1,298,080
25	289	$109,437	$2,326	$107,112	$1,190,969
25	290	$109,437	$2,134	$107,303	$1,083,665
25	291	$109,437	$1,942	$107,496	$976,170
25	292	$109,437	$1,749	$107,688	$868,481
25	293	$109,437	$1,556	$107,881	$760,600
25	294	$109,437	$1,363	$108,075	$652,526
25	295	$109,437	$1,169	$108,268	$544,257
25	296	$109,437	$975	$108,462	$435,795
25	297	$109,437	$781	$108,656	$327,139
25	298	$109,437	$586	$108,851	$218,288
25	299	$109,437	$391	$109,046	$109,242
25	300	$109,437	$196	$109,242	$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$ 16,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,343,000

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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.