Century 21 Centaland Property

Down Payment (HKD)

$23,600,000

Monthly Repayment (HKD)

$152,643

Loan Amount (HKD)

$35,400,000

Total Interest (HKD)

$10,392,899

Total Repayment (HKD)

$45,792,899

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$152,643	$63,425	$89,218	$35,310,782
1	2	$152,643	$63,265	$89,378	$35,221,404
1	3	$152,643	$63,105	$89,538	$35,131,866
1	4	$152,643	$62,945	$89,698	$35,042,168
1	5	$152,643	$62,784	$89,859	$34,952,309
1	6	$152,643	$62,623	$90,020	$34,862,289
1	7	$152,643	$62,462	$90,181	$34,772,107
1	8	$152,643	$62,300	$90,343	$34,681,764
1	9	$152,643	$62,138	$90,505	$34,591,259
1	10	$152,643	$61,976	$90,667	$34,500,592
1	11	$152,643	$61,814	$90,829	$34,409,763
1	12	$152,643	$61,651	$90,992	$34,318,771
2	13	$152,643	$61,488	$91,155	$34,227,616
2	14	$152,643	$61,324	$91,319	$34,136,297
2	15	$152,643	$61,161	$91,482	$34,044,815
2	16	$152,643	$60,997	$91,646	$33,953,169
2	17	$152,643	$60,833	$91,810	$33,861,359
2	18	$152,643	$60,668	$91,975	$33,769,384
2	19	$152,643	$60,503	$92,140	$33,677,244
2	20	$152,643	$60,338	$92,305	$33,584,940
2	21	$152,643	$60,173	$92,470	$33,492,470
2	22	$152,643	$60,007	$92,636	$33,399,834
2	23	$152,643	$59,841	$92,802	$33,307,033
2	24	$152,643	$59,675	$92,968	$33,214,065
3	25	$152,643	$59,509	$93,134	$33,120,930
3	26	$152,643	$59,342	$93,301	$33,027,629
3	27	$152,643	$59,175	$93,468	$32,934,160
3	28	$152,643	$59,007	$93,636	$32,840,524
3	29	$152,643	$58,839	$93,804	$32,746,721
3	30	$152,643	$58,671	$93,972	$32,652,749
3	31	$152,643	$58,503	$94,140	$32,558,609
3	32	$152,643	$58,334	$94,309	$32,464,300
3	33	$152,643	$58,165	$94,478	$32,369,822
3	34	$152,643	$57,996	$94,647	$32,275,175
3	35	$152,643	$57,826	$94,817	$32,180,358
3	36	$152,643	$57,656	$94,987	$32,085,372
4	37	$152,643	$57,486	$95,157	$31,990,215
4	38	$152,643	$57,316	$95,327	$31,894,888
4	39	$152,643	$57,145	$95,498	$31,799,390
4	40	$152,643	$56,974	$95,669	$31,703,721
4	41	$152,643	$56,802	$95,840	$31,607,880
4	42	$152,643	$56,631	$96,012	$31,511,868
4	43	$152,643	$56,459	$96,184	$31,415,684
4	44	$152,643	$56,286	$96,357	$31,319,327
4	45	$152,643	$56,114	$96,529	$31,222,798
4	46	$152,643	$55,941	$96,702	$31,126,096
4	47	$152,643	$55,768	$96,875	$31,029,221
4	48	$152,643	$55,594	$97,049	$30,932,172
5	49	$152,643	$55,420	$97,223	$30,834,949
5	50	$152,643	$55,246	$97,397	$30,737,552
5	51	$152,643	$55,071	$97,572	$30,639,980
5	52	$152,643	$54,897	$97,746	$30,542,234
5	53	$152,643	$54,722	$97,921	$30,444,312
5	54	$152,643	$54,546	$98,097	$30,346,215
5	55	$152,643	$54,370	$98,273	$30,247,943
5	56	$152,643	$54,194	$98,449	$30,149,494
5	57	$152,643	$54,018	$98,625	$30,050,869
5	58	$152,643	$53,841	$98,802	$29,952,067
5	59	$152,643	$53,664	$98,979	$29,853,088
5	60	$152,643	$53,487	$99,156	$29,753,932
6	61	$152,643	$53,309	$99,334	$29,654,598
6	62	$152,643	$53,131	$99,512	$29,555,086
6	63	$152,643	$52,953	$99,690	$29,455,396
6	64	$152,643	$52,774	$99,869	$29,355,527
6	65	$152,643	$52,595	$100,048	$29,255,480
6	66	$152,643	$52,416	$100,227	$29,155,253
6	67	$152,643	$52,236	$100,407	$29,054,846
6	68	$152,643	$52,057	$100,586	$28,954,260
6	69	$152,643	$51,876	$100,767	$28,853,493
6	70	$152,643	$51,696	$100,947	$28,752,546
6	71	$152,643	$51,515	$101,128	$28,651,418
6	72	$152,643	$51,334	$101,309	$28,550,109
7	73	$152,643	$51,152	$101,491	$28,448,618
7	74	$152,643	$50,970	$101,673	$28,346,945
7	75	$152,643	$50,788	$101,855	$28,245,091
7	76	$152,643	$50,606	$102,037	$28,143,054
7	77	$152,643	$50,423	$102,220	$28,040,834
7	78	$152,643	$50,240	$102,403	$27,938,430
7	79	$152,643	$50,056	$102,587	$27,835,844
7	80	$152,643	$49,873	$102,770	$27,733,073
7	81	$152,643	$49,688	$102,955	$27,630,119
7	82	$152,643	$49,504	$103,139	$27,526,980
7	83	$152,643	$49,319	$103,324	$27,423,656
7	84	$152,643	$49,134	$103,509	$27,320,147
8	85	$152,643	$48,949	$103,694	$27,216,452
8	86	$152,643	$48,763	$103,880	$27,112,572
8	87	$152,643	$48,577	$104,066	$27,008,506
8	88	$152,643	$48,390	$104,253	$26,904,253
8	89	$152,643	$48,203	$104,440	$26,799,814
8	90	$152,643	$48,016	$104,627	$26,695,187
8	91	$152,643	$47,829	$104,814	$26,590,373
8	92	$152,643	$47,641	$105,002	$26,485,371
8	93	$152,643	$47,453	$105,190	$26,380,181
8	94	$152,643	$47,264	$105,379	$26,274,802
8	95	$152,643	$47,076	$105,567	$26,169,235
8	96	$152,643	$46,887	$105,756	$26,063,479
9	97	$152,643	$46,697	$105,946	$25,957,533
9	98	$152,643	$46,507	$106,136	$25,851,397
9	99	$152,643	$46,317	$106,326	$25,745,071
9	100	$152,643	$46,127	$106,516	$25,638,555
9	101	$152,643	$45,936	$106,707	$25,531,847
9	102	$152,643	$45,745	$106,898	$25,424,949
9	103	$152,643	$45,553	$107,090	$25,317,859
9	104	$152,643	$45,361	$107,282	$25,210,577
9	105	$152,643	$45,169	$107,474	$25,103,103
9	106	$152,643	$44,976	$107,667	$24,995,437
9	107	$152,643	$44,783	$107,860	$24,887,577
9	108	$152,643	$44,590	$108,053	$24,779,524
10	109	$152,643	$44,397	$108,246	$24,671,278
10	110	$152,643	$44,203	$108,440	$24,562,838
10	111	$152,643	$44,008	$108,635	$24,454,203
10	112	$152,643	$43,814	$108,829	$24,345,374
10	113	$152,643	$43,619	$109,024	$24,236,350
10	114	$152,643	$43,423	$109,220	$24,127,130
10	115	$152,643	$43,228	$109,415	$24,017,715
10	116	$152,643	$43,032	$109,611	$23,908,104
10	117	$152,643	$42,835	$109,808	$23,798,296
10	118	$152,643	$42,639	$110,004	$23,688,292
10	119	$152,643	$42,442	$110,201	$23,578,090
10	120	$152,643	$42,244	$110,399	$23,467,691
11	121	$152,643	$42,046	$110,597	$23,357,094
11	122	$152,643	$41,848	$110,795	$23,246,300
11	123	$152,643	$41,650	$110,993	$23,135,306
11	124	$152,643	$41,451	$111,192	$23,024,114
11	125	$152,643	$41,252	$111,391	$22,912,723
11	126	$152,643	$41,052	$111,591	$22,801,132
11	127	$152,643	$40,852	$111,791	$22,689,341
11	128	$152,643	$40,652	$111,991	$22,577,349
11	129	$152,643	$40,451	$112,192	$22,465,157
11	130	$152,643	$40,250	$112,393	$22,352,764
11	131	$152,643	$40,049	$112,594	$22,240,170
11	132	$152,643	$39,847	$112,796	$22,127,374
12	133	$152,643	$39,645	$112,998	$22,014,376
12	134	$152,643	$39,442	$113,201	$21,901,175
12	135	$152,643	$39,240	$113,403	$21,787,772
12	136	$152,643	$39,036	$113,607	$21,674,165
12	137	$152,643	$38,833	$113,810	$21,560,355
12	138	$152,643	$38,629	$114,014	$21,446,341
12	139	$152,643	$38,425	$114,218	$21,332,123
12	140	$152,643	$38,220	$114,423	$21,217,700
12	141	$152,643	$38,015	$114,628	$21,103,072
12	142	$152,643	$37,810	$114,833	$20,988,239
12	143	$152,643	$37,604	$115,039	$20,873,200
12	144	$152,643	$37,398	$115,245	$20,757,955
13	145	$152,643	$37,191	$115,452	$20,642,503
13	146	$152,643	$36,984	$115,659	$20,526,844
13	147	$152,643	$36,777	$115,866	$20,410,979
13	148	$152,643	$36,570	$116,073	$20,294,905
13	149	$152,643	$36,362	$116,281	$20,178,624
13	150	$152,643	$36,153	$116,490	$20,062,134
13	151	$152,643	$35,945	$116,698	$19,945,436
13	152	$152,643	$35,736	$116,907	$19,828,529
13	153	$152,643	$35,526	$117,117	$19,711,412
13	154	$152,643	$35,316	$117,327	$19,594,085
13	155	$152,643	$35,106	$117,537	$19,476,548
13	156	$152,643	$34,895	$117,748	$19,358,801
14	157	$152,643	$34,685	$117,958	$19,240,842
14	158	$152,643	$34,473	$118,170	$19,122,672
14	159	$152,643	$34,261	$118,382	$19,004,291
14	160	$152,643	$34,049	$118,594	$18,885,697
14	161	$152,643	$33,837	$118,806	$18,766,891
14	162	$152,643	$33,624	$119,019	$18,647,872
14	163	$152,643	$33,411	$119,232	$18,528,640
14	164	$152,643	$33,197	$119,446	$18,409,194
14	165	$152,643	$32,983	$119,660	$18,289,534
14	166	$152,643	$32,769	$119,874	$18,169,660
14	167	$152,643	$32,554	$120,089	$18,049,571
14	168	$152,643	$32,339	$120,304	$17,929,267
15	169	$152,643	$32,123	$120,520	$17,808,747
15	170	$152,643	$31,907	$120,736	$17,688,011
15	171	$152,643	$31,691	$120,952	$17,567,059
15	172	$152,643	$31,474	$121,169	$17,445,891
15	173	$152,643	$31,257	$121,386	$17,324,505
15	174	$152,643	$31,040	$121,603	$17,202,902
15	175	$152,643	$30,822	$121,821	$17,081,080
15	176	$152,643	$30,604	$122,039	$16,959,041
15	177	$152,643	$30,385	$122,258	$16,836,783
15	178	$152,643	$30,166	$122,477	$16,714,306
15	179	$152,643	$29,946	$122,697	$16,591,609
15	180	$152,643	$29,727	$122,916	$16,468,693
16	181	$152,643	$29,506	$123,137	$16,345,556
16	182	$152,643	$29,286	$123,357	$16,222,199
16	183	$152,643	$29,065	$123,578	$16,098,621
16	184	$152,643	$28,843	$123,800	$15,974,821
16	185	$152,643	$28,622	$124,021	$15,850,800
16	186	$152,643	$28,399	$124,244	$15,726,556
16	187	$152,643	$28,177	$124,466	$15,602,090
16	188	$152,643	$27,954	$124,689	$15,477,401
16	189	$152,643	$27,730	$124,913	$15,352,488
16	190	$152,643	$27,507	$125,136	$15,227,352
16	191	$152,643	$27,282	$125,361	$15,101,991
16	192	$152,643	$27,058	$125,585	$14,976,406
17	193	$152,643	$26,833	$125,810	$14,850,595
17	194	$152,643	$26,607	$126,036	$14,724,560
17	195	$152,643	$26,382	$126,261	$14,598,298
17	196	$152,643	$26,155	$126,488	$14,471,811
17	197	$152,643	$25,929	$126,714	$14,345,096
17	198	$152,643	$25,702	$126,941	$14,218,155
17	199	$152,643	$25,474	$127,169	$14,090,986
17	200	$152,643	$25,246	$127,397	$13,963,589
17	201	$152,643	$25,018	$127,625	$13,835,965
17	202	$152,643	$24,789	$127,854	$13,708,111
17	203	$152,643	$24,560	$128,083	$13,580,028
17	204	$152,643	$24,331	$128,312	$13,451,716
18	205	$152,643	$24,101	$128,542	$13,323,174
18	206	$152,643	$23,871	$128,772	$13,194,402
18	207	$152,643	$23,640	$129,003	$13,065,399
18	208	$152,643	$23,409	$129,234	$12,936,165
18	209	$152,643	$23,177	$129,466	$12,806,699
18	210	$152,643	$22,945	$129,698	$12,677,001
18	211	$152,643	$22,713	$129,930	$12,547,071
18	212	$152,643	$22,480	$130,163	$12,416,908
18	213	$152,643	$22,247	$130,396	$12,286,512
18	214	$152,643	$22,013	$130,630	$12,155,883
18	215	$152,643	$21,779	$130,864	$12,025,019
18	216	$152,643	$21,545	$131,098	$11,893,921
19	217	$152,643	$21,310	$131,333	$11,762,588
19	218	$152,643	$21,075	$131,568	$11,631,019
19	219	$152,643	$20,839	$131,804	$11,499,215
19	220	$152,643	$20,603	$132,040	$11,367,175
19	221	$152,643	$20,366	$132,277	$11,234,898
19	222	$152,643	$20,129	$132,514	$11,102,385
19	223	$152,643	$19,892	$132,751	$10,969,633
19	224	$152,643	$19,654	$132,989	$10,836,644
19	225	$152,643	$19,416	$133,227	$10,703,417
19	226	$152,643	$19,177	$133,466	$10,569,951
19	227	$152,643	$18,938	$133,705	$10,436,246
19	228	$152,643	$18,698	$133,945	$10,302,301
20	229	$152,643	$18,458	$134,185	$10,168,116
20	230	$152,643	$18,218	$134,425	$10,033,691
20	231	$152,643	$17,977	$134,666	$9,899,025
20	232	$152,643	$17,736	$134,907	$9,764,118
20	233	$152,643	$17,494	$135,149	$9,628,969
20	234	$152,643	$17,252	$135,391	$9,493,578
20	235	$152,643	$17,009	$135,634	$9,357,944
20	236	$152,643	$16,766	$135,877	$9,222,068
20	237	$152,643	$16,523	$136,120	$9,085,947
20	238	$152,643	$16,279	$136,364	$8,949,583
20	239	$152,643	$16,035	$136,608	$8,812,975
20	240	$152,643	$15,790	$136,853	$8,676,122
21	241	$152,643	$15,545	$137,098	$8,539,024
21	242	$152,643	$15,299	$137,344	$8,401,680
21	243	$152,643	$15,053	$137,590	$8,264,090
21	244	$152,643	$14,806	$137,837	$8,126,253
21	245	$152,643	$14,560	$138,083	$7,988,170
21	246	$152,643	$14,312	$138,331	$7,849,839
21	247	$152,643	$14,064	$138,579	$7,711,260
21	248	$152,643	$13,816	$138,827	$7,572,433
21	249	$152,643	$13,567	$139,076	$7,433,358
21	250	$152,643	$13,318	$139,325	$7,294,033
21	251	$152,643	$13,068	$139,575	$7,154,458
21	252	$152,643	$12,818	$139,825	$7,014,634
22	253	$152,643	$12,568	$140,075	$6,874,558
22	254	$152,643	$12,317	$140,326	$6,734,232
22	255	$152,643	$12,065	$140,577	$6,593,655
22	256	$152,643	$11,814	$140,829	$6,452,826
22	257	$152,643	$11,561	$141,082	$6,311,744
22	258	$152,643	$11,309	$141,334	$6,170,409
22	259	$152,643	$11,055	$141,588	$6,028,822
22	260	$152,643	$10,802	$141,841	$5,886,980
22	261	$152,643	$10,548	$142,095	$5,744,885
22	262	$152,643	$10,293	$142,350	$5,602,535
22	263	$152,643	$10,038	$142,605	$5,459,930
22	264	$152,643	$9,782	$142,861	$5,317,069
23	265	$152,643	$9,526	$143,117	$5,173,952
23	266	$152,643	$9,270	$143,373	$5,030,579
23	267	$152,643	$9,013	$143,630	$4,886,950
23	268	$152,643	$8,756	$143,887	$4,743,062
23	269	$152,643	$8,498	$144,145	$4,598,917
23	270	$152,643	$8,240	$144,403	$4,454,514
23	271	$152,643	$7,981	$144,662	$4,309,852
23	272	$152,643	$7,722	$144,921	$4,164,931
23	273	$152,643	$7,462	$145,181	$4,019,750
23	274	$152,643	$7,202	$145,441	$3,874,309
23	275	$152,643	$6,941	$145,702	$3,728,608
23	276	$152,643	$6,680	$145,963	$3,582,645
24	277	$152,643	$6,419	$146,224	$3,436,421
24	278	$152,643	$6,157	$146,486	$3,289,935
24	279	$152,643	$5,894	$146,749	$3,143,186
24	280	$152,643	$5,632	$147,011	$2,996,175
24	281	$152,643	$5,368	$147,275	$2,848,900
24	282	$152,643	$5,104	$147,539	$2,701,361
24	283	$152,643	$4,840	$147,803	$2,553,558
24	284	$152,643	$4,575	$148,068	$2,405,490
24	285	$152,643	$4,310	$148,333	$2,257,157
24	286	$152,643	$4,044	$148,599	$2,108,558
24	287	$152,643	$3,778	$148,865	$1,959,693
24	288	$152,643	$3,511	$149,132	$1,810,561
25	289	$152,643	$3,244	$149,399	$1,661,162
25	290	$152,643	$2,976	$149,667	$1,511,495
25	291	$152,643	$2,708	$149,935	$1,361,561
25	292	$152,643	$2,439	$150,204	$1,211,357
25	293	$152,643	$2,170	$150,473	$1,060,884
25	294	$152,643	$1,901	$150,742	$910,142
25	295	$152,643	$1,631	$151,012	$759,130
25	296	$152,643	$1,360	$151,283	$607,847
25	297	$152,643	$1,089	$151,554	$456,293
25	298	$152,643	$818	$151,825	$304,467
25	299	$152,643	$546	$152,097	$152,370
25	300	$152,643	$273	$152,370	$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$ 23,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 24,190,000

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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.