Century 21 Centaland Property

Down Payment (HKD)

$9,952,000

Monthly Repayment (HKD)

$64,369

Loan Amount (HKD)

$14,928,000

Total Interest (HKD)

$4,382,633

Total Repayment (HKD)

$19,310,633

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$64,369	$26,746	$37,623	$14,890,377
1	2	$64,369	$26,679	$37,690	$14,852,687
1	3	$64,369	$26,611	$37,758	$14,814,929
1	4	$64,369	$26,543	$37,825	$14,777,104
1	5	$64,369	$26,476	$37,893	$14,739,211
1	6	$64,369	$26,408	$37,961	$14,701,250
1	7	$64,369	$26,340	$38,029	$14,663,221
1	8	$64,369	$26,272	$38,097	$14,625,124
1	9	$64,369	$26,203	$38,165	$14,586,958
1	10	$64,369	$26,135	$38,234	$14,548,724
1	11	$64,369	$26,066	$38,302	$14,510,422
1	12	$64,369	$25,998	$38,371	$14,472,051
2	13	$64,369	$25,929	$38,440	$14,433,611
2	14	$64,369	$25,860	$38,509	$14,395,103
2	15	$64,369	$25,791	$38,578	$14,356,525
2	16	$64,369	$25,722	$38,647	$14,317,879
2	17	$64,369	$25,653	$38,716	$14,279,163
2	18	$64,369	$25,583	$38,785	$14,240,377
2	19	$64,369	$25,514	$38,855	$14,201,523
2	20	$64,369	$25,444	$38,924	$14,162,598
2	21	$64,369	$25,375	$38,994	$14,123,604
2	22	$64,369	$25,305	$39,064	$14,084,540
2	23	$64,369	$25,235	$39,134	$14,045,406
2	24	$64,369	$25,165	$39,204	$14,006,202
3	25	$64,369	$25,094	$39,274	$13,966,928
3	26	$64,369	$25,024	$39,345	$13,927,583
3	27	$64,369	$24,954	$39,415	$13,888,168
3	28	$64,369	$24,883	$39,486	$13,848,682
3	29	$64,369	$24,812	$39,557	$13,809,126
3	30	$64,369	$24,741	$39,627	$13,769,498
3	31	$64,369	$24,670	$39,698	$13,729,800
3	32	$64,369	$24,599	$39,770	$13,690,030
3	33	$64,369	$24,528	$39,841	$13,650,189
3	34	$64,369	$24,457	$39,912	$13,610,277
3	35	$64,369	$24,385	$39,984	$13,570,294
3	36	$64,369	$24,313	$40,055	$13,530,238
4	37	$64,369	$24,242	$40,127	$13,490,111
4	38	$64,369	$24,170	$40,199	$13,449,912
4	39	$64,369	$24,098	$40,271	$13,409,641
4	40	$64,369	$24,026	$40,343	$13,369,298
4	41	$64,369	$23,953	$40,415	$13,328,882
4	42	$64,369	$23,881	$40,488	$13,288,395
4	43	$64,369	$23,808	$40,560	$13,247,834
4	44	$64,369	$23,736	$40,633	$13,207,201
4	45	$64,369	$23,663	$40,706	$13,166,495
4	46	$64,369	$23,590	$40,779	$13,125,716
4	47	$64,369	$23,517	$40,852	$13,084,865
4	48	$64,369	$23,444	$40,925	$13,043,939
5	49	$64,369	$23,370	$40,998	$13,002,941
5	50	$64,369	$23,297	$41,072	$12,961,869
5	51	$64,369	$23,223	$41,145	$12,920,724
5	52	$64,369	$23,150	$41,219	$12,879,505
5	53	$64,369	$23,076	$41,293	$12,838,212
5	54	$64,369	$23,002	$41,367	$12,796,845
5	55	$64,369	$22,928	$41,441	$12,755,404
5	56	$64,369	$22,853	$41,515	$12,713,888
5	57	$64,369	$22,779	$41,590	$12,672,299
5	58	$64,369	$22,705	$41,664	$12,630,634
5	59	$64,369	$22,630	$41,739	$12,588,895
5	60	$64,369	$22,555	$41,814	$12,547,082
6	61	$64,369	$22,480	$41,889	$12,505,193
6	62	$64,369	$22,405	$41,964	$12,463,230
6	63	$64,369	$22,330	$42,039	$12,421,191
6	64	$64,369	$22,255	$42,114	$12,379,077
6	65	$64,369	$22,179	$42,190	$12,336,887
6	66	$64,369	$22,104	$42,265	$12,294,622
6	67	$64,369	$22,028	$42,341	$12,252,281
6	68	$64,369	$21,952	$42,417	$12,209,864
6	69	$64,369	$21,876	$42,493	$12,167,371
6	70	$64,369	$21,800	$42,569	$12,124,802
6	71	$64,369	$21,724	$42,645	$12,082,157
6	72	$64,369	$21,647	$42,722	$12,039,436
7	73	$64,369	$21,571	$42,798	$11,996,638
7	74	$64,369	$21,494	$42,875	$11,953,763
7	75	$64,369	$21,417	$42,952	$11,910,811
7	76	$64,369	$21,340	$43,029	$11,867,783
7	77	$64,369	$21,263	$43,106	$11,824,677
7	78	$64,369	$21,186	$43,183	$11,781,494
7	79	$64,369	$21,109	$43,260	$11,738,234
7	80	$64,369	$21,031	$43,338	$11,694,896
7	81	$64,369	$20,953	$43,415	$11,651,481
7	82	$64,369	$20,876	$43,493	$11,607,987
7	83	$64,369	$20,798	$43,571	$11,564,416
7	84	$64,369	$20,720	$43,649	$11,520,767
8	85	$64,369	$20,641	$43,727	$11,477,040
8	86	$64,369	$20,563	$43,806	$11,433,234
8	87	$64,369	$20,485	$43,884	$11,389,350
8	88	$64,369	$20,406	$43,963	$11,345,387
8	89	$64,369	$20,327	$44,042	$11,301,345
8	90	$64,369	$20,248	$44,121	$11,257,225
8	91	$64,369	$20,169	$44,200	$11,213,025
8	92	$64,369	$20,090	$44,279	$11,168,746
8	93	$64,369	$20,011	$44,358	$11,124,388
8	94	$64,369	$19,931	$44,438	$11,079,951
8	95	$64,369	$19,852	$44,517	$11,035,433
8	96	$64,369	$19,772	$44,597	$10,990,836
9	97	$64,369	$19,692	$44,677	$10,946,160
9	98	$64,369	$19,612	$44,757	$10,901,403
9	99	$64,369	$19,532	$44,837	$10,856,566
9	100	$64,369	$19,451	$44,917	$10,811,648
9	101	$64,369	$19,371	$44,998	$10,766,650
9	102	$64,369	$19,290	$45,079	$10,721,572
9	103	$64,369	$19,209	$45,159	$10,676,412
9	104	$64,369	$19,129	$45,240	$10,631,172
9	105	$64,369	$19,048	$45,321	$10,585,851
9	106	$64,369	$18,966	$45,402	$10,540,448
9	107	$64,369	$18,885	$45,484	$10,494,965
9	108	$64,369	$18,803	$45,565	$10,449,399
10	109	$64,369	$18,722	$45,647	$10,403,752
10	110	$64,369	$18,640	$45,729	$10,358,024
10	111	$64,369	$18,558	$45,811	$10,312,213
10	112	$64,369	$18,476	$45,893	$10,266,320
10	113	$64,369	$18,394	$45,975	$10,220,345
10	114	$64,369	$18,311	$46,057	$10,174,288
10	115	$64,369	$18,229	$46,140	$10,128,148
10	116	$64,369	$18,146	$46,223	$10,081,926
10	117	$64,369	$18,063	$46,305	$10,035,620
10	118	$64,369	$17,980	$46,388	$9,989,232
10	119	$64,369	$17,897	$46,471	$9,942,761
10	120	$64,369	$17,814	$46,555	$9,896,206
11	121	$64,369	$17,731	$46,638	$9,849,568
11	122	$64,369	$17,647	$46,722	$9,802,846
11	123	$64,369	$17,563	$46,805	$9,756,041
11	124	$64,369	$17,480	$46,889	$9,709,152
11	125	$64,369	$17,396	$46,973	$9,662,179
11	126	$64,369	$17,311	$47,057	$9,615,121
11	127	$64,369	$17,227	$47,142	$9,567,980
11	128	$64,369	$17,143	$47,226	$9,520,753
11	129	$64,369	$17,058	$47,311	$9,473,443
11	130	$64,369	$16,973	$47,396	$9,426,047
11	131	$64,369	$16,888	$47,480	$9,378,567
11	132	$64,369	$16,803	$47,566	$9,331,001
12	133	$64,369	$16,718	$47,651	$9,283,350
12	134	$64,369	$16,633	$47,736	$9,235,614
12	135	$64,369	$16,547	$47,822	$9,187,793
12	136	$64,369	$16,461	$47,907	$9,139,885
12	137	$64,369	$16,376	$47,993	$9,091,892
12	138	$64,369	$16,290	$48,079	$9,043,813
12	139	$64,369	$16,203	$48,165	$8,995,648
12	140	$64,369	$16,117	$48,252	$8,947,396
12	141	$64,369	$16,031	$48,338	$8,899,058
12	142	$64,369	$15,944	$48,425	$8,850,634
12	143	$64,369	$15,857	$48,511	$8,802,122
12	144	$64,369	$15,770	$48,598	$8,753,524
13	145	$64,369	$15,683	$48,685	$8,704,839
13	146	$64,369	$15,596	$48,773	$8,656,066
13	147	$64,369	$15,509	$48,860	$8,607,206
13	148	$64,369	$15,421	$48,948	$8,558,258
13	149	$64,369	$15,334	$49,035	$8,509,223
13	150	$64,369	$15,246	$49,123	$8,460,100
13	151	$64,369	$15,158	$49,211	$8,410,889
13	152	$64,369	$15,070	$49,299	$8,361,590
13	153	$64,369	$14,981	$49,388	$8,312,202
13	154	$64,369	$14,893	$49,476	$8,262,726
13	155	$64,369	$14,804	$49,565	$8,213,161
13	156	$64,369	$14,715	$49,654	$8,163,508
14	157	$64,369	$14,626	$49,742	$8,113,765
14	158	$64,369	$14,537	$49,832	$8,063,934
14	159	$64,369	$14,448	$49,921	$8,014,013
14	160	$64,369	$14,358	$50,010	$7,964,002
14	161	$64,369	$14,269	$50,100	$7,913,903
14	162	$64,369	$14,179	$50,190	$7,863,713
14	163	$64,369	$14,089	$50,280	$7,813,433
14	164	$64,369	$13,999	$50,370	$7,763,063
14	165	$64,369	$13,909	$50,460	$7,712,604
14	166	$64,369	$13,818	$50,550	$7,662,053
14	167	$64,369	$13,728	$50,641	$7,611,412
14	168	$64,369	$13,637	$50,732	$7,560,681
15	169	$64,369	$13,546	$50,823	$7,509,858
15	170	$64,369	$13,455	$50,914	$7,458,944
15	171	$64,369	$13,364	$51,005	$7,407,940
15	172	$64,369	$13,273	$51,096	$7,356,843
15	173	$64,369	$13,181	$51,188	$7,305,656
15	174	$64,369	$13,089	$51,279	$7,254,376
15	175	$64,369	$12,997	$51,371	$7,203,005
15	176	$64,369	$12,905	$51,463	$7,151,541
15	177	$64,369	$12,813	$51,556	$7,099,986
15	178	$64,369	$12,721	$51,648	$7,048,338
15	179	$64,369	$12,628	$51,741	$6,996,597
15	180	$64,369	$12,536	$51,833	$6,944,764
16	181	$64,369	$12,443	$51,926	$6,892,838
16	182	$64,369	$12,350	$52,019	$6,840,819
16	183	$64,369	$12,256	$52,112	$6,788,707
16	184	$64,369	$12,163	$52,206	$6,736,501
16	185	$64,369	$12,070	$52,299	$6,684,202
16	186	$64,369	$11,976	$52,393	$6,631,809
16	187	$64,369	$11,882	$52,487	$6,579,322
16	188	$64,369	$11,788	$52,581	$6,526,741
16	189	$64,369	$11,694	$52,675	$6,474,066
16	190	$64,369	$11,599	$52,769	$6,421,297
16	191	$64,369	$11,505	$52,864	$6,368,433
16	192	$64,369	$11,410	$52,959	$6,315,474
17	193	$64,369	$11,315	$53,054	$6,262,421
17	194	$64,369	$11,220	$53,149	$6,209,272
17	195	$64,369	$11,125	$53,244	$6,156,028
17	196	$64,369	$11,030	$53,339	$6,102,689
17	197	$64,369	$10,934	$53,435	$6,049,254
17	198	$64,369	$10,838	$53,531	$5,995,724
17	199	$64,369	$10,742	$53,626	$5,942,097
17	200	$64,369	$10,646	$53,723	$5,888,375
17	201	$64,369	$10,550	$53,819	$5,834,556
17	202	$64,369	$10,454	$53,915	$5,780,641
17	203	$64,369	$10,357	$54,012	$5,726,629
17	204	$64,369	$10,260	$54,109	$5,672,520
18	205	$64,369	$10,163	$54,206	$5,618,315
18	206	$64,369	$10,066	$54,303	$5,564,012
18	207	$64,369	$9,969	$54,400	$5,509,612
18	208	$64,369	$9,871	$54,497	$5,455,115
18	209	$64,369	$9,774	$54,595	$5,400,520
18	210	$64,369	$9,676	$54,693	$5,345,827
18	211	$64,369	$9,578	$54,791	$5,291,036
18	212	$64,369	$9,480	$54,889	$5,236,147
18	213	$64,369	$9,381	$54,987	$5,181,160
18	214	$64,369	$9,283	$55,086	$5,126,074
18	215	$64,369	$9,184	$55,185	$5,070,889
18	216	$64,369	$9,085	$55,283	$5,015,606
19	217	$64,369	$8,986	$55,382	$4,960,223
19	218	$64,369	$8,887	$55,482	$4,904,742
19	219	$64,369	$8,788	$55,581	$4,849,161
19	220	$64,369	$8,688	$55,681	$4,793,480
19	221	$64,369	$8,588	$55,780	$4,737,700
19	222	$64,369	$8,488	$55,880	$4,681,819
19	223	$64,369	$8,388	$55,981	$4,625,839
19	224	$64,369	$8,288	$56,081	$4,569,758
19	225	$64,369	$8,187	$56,181	$4,513,576
19	226	$64,369	$8,087	$56,282	$4,457,295
19	227	$64,369	$7,986	$56,383	$4,400,912
19	228	$64,369	$7,885	$56,484	$4,344,428
20	229	$64,369	$7,784	$56,585	$4,287,843
20	230	$64,369	$7,682	$56,686	$4,231,157
20	231	$64,369	$7,581	$56,788	$4,174,369
20	232	$64,369	$7,479	$56,890	$4,117,479
20	233	$64,369	$7,377	$56,992	$4,060,487
20	234	$64,369	$7,275	$57,094	$4,003,394
20	235	$64,369	$7,173	$57,196	$3,946,197
20	236	$64,369	$7,070	$57,299	$3,888,899
20	237	$64,369	$6,968	$57,401	$3,831,498
20	238	$64,369	$6,865	$57,504	$3,773,994
20	239	$64,369	$6,762	$57,607	$3,716,387
20	240	$64,369	$6,659	$57,710	$3,658,677
21	241	$64,369	$6,555	$57,814	$3,600,863
21	242	$64,369	$6,452	$57,917	$3,542,946
21	243	$64,369	$6,348	$58,021	$3,484,925
21	244	$64,369	$6,244	$58,125	$3,426,800
21	245	$64,369	$6,140	$58,229	$3,368,571
21	246	$64,369	$6,035	$58,333	$3,310,237
21	247	$64,369	$5,931	$58,438	$3,251,799
21	248	$64,369	$5,826	$58,543	$3,193,257
21	249	$64,369	$5,721	$58,648	$3,134,609
21	250	$64,369	$5,616	$58,753	$3,075,856
21	251	$64,369	$5,511	$58,858	$3,016,999
21	252	$64,369	$5,405	$58,963	$2,958,035
22	253	$64,369	$5,300	$59,069	$2,898,966
22	254	$64,369	$5,194	$59,175	$2,839,792
22	255	$64,369	$5,088	$59,281	$2,780,511
22	256	$64,369	$4,982	$59,387	$2,721,124
22	257	$64,369	$4,875	$59,493	$2,661,630
22	258	$64,369	$4,769	$59,600	$2,602,030
22	259	$64,369	$4,662	$59,707	$2,542,323
22	260	$64,369	$4,555	$59,814	$2,482,510
22	261	$64,369	$4,448	$59,921	$2,422,589
22	262	$64,369	$4,340	$60,028	$2,362,560
22	263	$64,369	$4,233	$60,136	$2,302,425
22	264	$64,369	$4,125	$60,244	$2,242,181
23	265	$64,369	$4,017	$60,352	$2,181,829
23	266	$64,369	$3,909	$60,460	$2,121,370
23	267	$64,369	$3,801	$60,568	$2,060,802
23	268	$64,369	$3,692	$60,677	$2,000,125
23	269	$64,369	$3,584	$60,785	$1,939,340
23	270	$64,369	$3,475	$60,894	$1,878,446
23	271	$64,369	$3,366	$61,003	$1,817,443
23	272	$64,369	$3,256	$61,113	$1,756,330
23	273	$64,369	$3,147	$61,222	$1,695,108
23	274	$64,369	$3,037	$61,332	$1,633,776
23	275	$64,369	$2,927	$61,442	$1,572,335
23	276	$64,369	$2,817	$61,552	$1,510,783
24	277	$64,369	$2,707	$61,662	$1,449,121
24	278	$64,369	$2,596	$61,772	$1,387,349
24	279	$64,369	$2,486	$61,883	$1,325,466
24	280	$64,369	$2,375	$61,994	$1,263,472
24	281	$64,369	$2,264	$62,105	$1,201,367
24	282	$64,369	$2,152	$62,216	$1,139,150
24	283	$64,369	$2,041	$62,328	$1,076,823
24	284	$64,369	$1,929	$62,439	$1,014,383
24	285	$64,369	$1,817	$62,551	$951,832
24	286	$64,369	$1,705	$62,663	$889,168
24	287	$64,369	$1,593	$62,776	$826,393
24	288	$64,369	$1,481	$62,888	$763,504
25	289	$64,369	$1,368	$63,001	$700,504
25	290	$64,369	$1,255	$63,114	$637,390
25	291	$64,369	$1,142	$63,227	$574,163
25	292	$64,369	$1,029	$63,340	$510,823
25	293	$64,369	$915	$63,454	$447,370
25	294	$64,369	$802	$63,567	$383,802
25	295	$64,369	$688	$63,681	$320,121
25	296	$64,369	$574	$63,795	$256,326
25	297	$64,369	$459	$63,910	$192,416
25	298	$64,369	$345	$64,024	$128,392
25	299	$64,369	$230	$64,139	$64,254
25	300	$64,369	$115	$64,254	$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$ 9,952,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,200,800

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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.