Century 21 Centaland Property

Down Payment (HKD)

$14,760,000

Monthly Repayment (HKD)

$95,467

Loan Amount (HKD)

$22,140,000

Total Interest (HKD)

$6,499,966

Total Repayment (HKD)

$28,639,966

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$95,467	$39,668	$55,799	$22,084,201
1	2	$95,467	$39,568	$55,899	$22,028,302
1	3	$95,467	$39,467	$55,999	$21,972,303
1	4	$95,467	$39,367	$56,100	$21,916,203
1	5	$95,467	$39,267	$56,200	$21,860,003
1	6	$95,467	$39,166	$56,301	$21,803,703
1	7	$95,467	$39,065	$56,402	$21,747,301
1	8	$95,467	$38,964	$56,503	$21,690,798
1	9	$95,467	$38,863	$56,604	$21,634,194
1	10	$95,467	$38,761	$56,705	$21,577,489
1	11	$95,467	$38,660	$56,807	$21,520,682
1	12	$95,467	$38,558	$56,909	$21,463,774
2	13	$95,467	$38,456	$57,011	$21,406,763
2	14	$95,467	$38,354	$57,113	$21,349,650
2	15	$95,467	$38,251	$57,215	$21,292,435
2	16	$95,467	$38,149	$57,318	$21,235,117
2	17	$95,467	$38,046	$57,420	$21,177,697
2	18	$95,467	$37,943	$57,523	$21,120,174
2	19	$95,467	$37,840	$57,626	$21,062,548
2	20	$95,467	$37,737	$57,729	$21,004,818
2	21	$95,467	$37,634	$57,833	$20,946,985
2	22	$95,467	$37,530	$57,937	$20,889,049
2	23	$95,467	$37,426	$58,040	$20,831,008
2	24	$95,467	$37,322	$58,144	$20,772,864
3	25	$95,467	$37,218	$58,249	$20,714,616
3	26	$95,467	$37,114	$58,353	$20,656,263
3	27	$95,467	$37,009	$58,457	$20,597,805
3	28	$95,467	$36,904	$58,562	$20,539,243
3	29	$95,467	$36,799	$58,667	$20,480,576
3	30	$95,467	$36,694	$58,772	$20,421,804
3	31	$95,467	$36,589	$58,877	$20,362,926
3	32	$95,467	$36,484	$58,983	$20,303,943
3	33	$95,467	$36,378	$59,089	$20,244,855
3	34	$95,467	$36,272	$59,195	$20,185,660
3	35	$95,467	$36,166	$59,301	$20,126,360
3	36	$95,467	$36,060	$59,407	$20,066,953
4	37	$95,467	$35,953	$59,513	$20,007,440
4	38	$95,467	$35,847	$59,620	$19,947,820
4	39	$95,467	$35,740	$59,727	$19,888,093
4	40	$95,467	$35,633	$59,834	$19,828,259
4	41	$95,467	$35,526	$59,941	$19,768,318
4	42	$95,467	$35,418	$60,048	$19,708,270
4	43	$95,467	$35,311	$60,156	$19,648,114
4	44	$95,467	$35,203	$60,264	$19,587,851
4	45	$95,467	$35,095	$60,372	$19,527,479
4	46	$95,467	$34,987	$60,480	$19,466,999
4	47	$95,467	$34,878	$60,588	$19,406,411
4	48	$95,467	$34,770	$60,697	$19,345,714
5	49	$95,467	$34,661	$60,805	$19,284,909
5	50	$95,467	$34,552	$60,914	$19,223,994
5	51	$95,467	$34,443	$61,024	$19,162,971
5	52	$95,467	$34,334	$61,133	$19,101,838
5	53	$95,467	$34,224	$61,242	$19,040,595
5	54	$95,467	$34,114	$61,352	$18,979,243
5	55	$95,467	$34,004	$61,462	$18,917,781
5	56	$95,467	$33,894	$61,572	$18,856,209
5	57	$95,467	$33,784	$61,683	$18,794,526
5	58	$95,467	$33,674	$61,793	$18,732,733
5	59	$95,467	$33,563	$61,904	$18,670,830
5	60	$95,467	$33,452	$62,015	$18,608,815
6	61	$95,467	$33,341	$62,126	$18,546,689
6	62	$95,467	$33,229	$62,237	$18,484,452
6	63	$95,467	$33,118	$62,349	$18,422,104
6	64	$95,467	$33,006	$62,460	$18,359,643
6	65	$95,467	$32,894	$62,572	$18,297,071
6	66	$95,467	$32,782	$62,684	$18,234,387
6	67	$95,467	$32,670	$62,797	$18,171,590
6	68	$95,467	$32,557	$62,909	$18,108,681
6	69	$95,467	$32,445	$63,022	$18,045,659
6	70	$95,467	$32,332	$63,135	$17,982,525
6	71	$95,467	$32,219	$63,248	$17,919,277
6	72	$95,467	$32,105	$63,361	$17,855,915
7	73	$95,467	$31,992	$63,475	$17,792,441
7	74	$95,467	$31,878	$63,588	$17,728,852
7	75	$95,467	$31,764	$63,702	$17,665,150
7	76	$95,467	$31,650	$63,816	$17,601,333
7	77	$95,467	$31,536	$63,931	$17,537,403
7	78	$95,467	$31,421	$64,045	$17,473,357
7	79	$95,467	$31,306	$64,160	$17,409,197
7	80	$95,467	$31,191	$64,275	$17,344,922
7	81	$95,467	$31,076	$64,390	$17,280,532
7	82	$95,467	$30,961	$64,506	$17,216,026
7	83	$95,467	$30,845	$64,621	$17,151,405
7	84	$95,467	$30,730	$64,737	$17,086,668
8	85	$95,467	$30,614	$64,853	$17,021,815
8	86	$95,467	$30,497	$64,969	$16,956,846
8	87	$95,467	$30,381	$65,086	$16,891,761
8	88	$95,467	$30,264	$65,202	$16,826,558
8	89	$95,467	$30,148	$65,319	$16,761,239
8	90	$95,467	$30,031	$65,436	$16,695,803
8	91	$95,467	$29,913	$65,553	$16,630,250
8	92	$95,467	$29,796	$65,671	$16,564,579
8	93	$95,467	$29,678	$65,788	$16,498,791
8	94	$95,467	$29,560	$65,906	$16,432,885
8	95	$95,467	$29,442	$66,024	$16,366,861
8	96	$95,467	$29,324	$66,143	$16,300,718
9	97	$95,467	$29,205	$66,261	$16,234,457
9	98	$95,467	$29,087	$66,380	$16,168,077
9	99	$95,467	$28,968	$66,499	$16,101,578
9	100	$95,467	$28,849	$66,618	$16,034,960
9	101	$95,467	$28,729	$66,737	$15,968,223
9	102	$95,467	$28,610	$66,857	$15,901,366
9	103	$95,467	$28,490	$66,977	$15,834,390
9	104	$95,467	$28,370	$67,097	$15,767,293
9	105	$95,467	$28,250	$67,217	$15,700,076
9	106	$95,467	$28,129	$67,337	$15,632,739
9	107	$95,467	$28,009	$67,458	$15,565,281
9	108	$95,467	$27,888	$67,579	$15,497,702
10	109	$95,467	$27,767	$67,700	$15,430,003
10	110	$95,467	$27,645	$67,821	$15,362,182
10	111	$95,467	$27,524	$67,943	$15,294,239
10	112	$95,467	$27,402	$68,064	$15,226,174
10	113	$95,467	$27,280	$68,186	$15,157,988
10	114	$95,467	$27,158	$68,308	$15,089,680
10	115	$95,467	$27,036	$68,431	$15,021,249
10	116	$95,467	$26,913	$68,553	$14,952,695
10	117	$95,467	$26,790	$68,676	$14,884,019
10	118	$95,467	$26,667	$68,799	$14,815,220
10	119	$95,467	$26,544	$68,923	$14,746,297
10	120	$95,467	$26,420	$69,046	$14,677,251
11	121	$95,467	$26,297	$69,170	$14,608,081
11	122	$95,467	$26,173	$69,294	$14,538,787
11	123	$95,467	$26,049	$69,418	$14,469,370
11	124	$95,467	$25,924	$69,542	$14,399,827
11	125	$95,467	$25,800	$69,667	$14,330,160
11	126	$95,467	$25,675	$69,792	$14,260,369
11	127	$95,467	$25,550	$69,917	$14,190,452
11	128	$95,467	$25,425	$70,042	$14,120,410
11	129	$95,467	$25,299	$70,167	$14,050,242
11	130	$95,467	$25,173	$70,293	$13,979,949
11	131	$95,467	$25,047	$70,419	$13,909,530
11	132	$95,467	$24,921	$70,545	$13,838,985
12	133	$95,467	$24,795	$70,672	$13,768,313
12	134	$95,467	$24,668	$70,798	$13,697,515
12	135	$95,467	$24,541	$70,925	$13,626,590
12	136	$95,467	$24,414	$71,052	$13,555,537
12	137	$95,467	$24,287	$71,180	$13,484,358
12	138	$95,467	$24,159	$71,307	$13,413,051
12	139	$95,467	$24,032	$71,435	$13,341,616
12	140	$95,467	$23,904	$71,563	$13,270,053
12	141	$95,467	$23,776	$71,691	$13,198,362
12	142	$95,467	$23,647	$71,819	$13,126,543
12	143	$95,467	$23,518	$71,948	$13,054,594
12	144	$95,467	$23,389	$72,077	$12,982,517
13	145	$95,467	$23,260	$72,206	$12,910,311
13	146	$95,467	$23,131	$72,336	$12,837,976
13	147	$95,467	$23,001	$72,465	$12,765,510
13	148	$95,467	$22,872	$72,595	$12,692,915
13	149	$95,467	$22,741	$72,725	$12,620,190
13	150	$95,467	$22,611	$72,855	$12,547,335
13	151	$95,467	$22,481	$72,986	$12,474,349
13	152	$95,467	$22,350	$73,117	$12,401,232
13	153	$95,467	$22,219	$73,248	$12,327,985
13	154	$95,467	$22,088	$73,379	$12,254,606
13	155	$95,467	$21,956	$73,510	$12,181,095
13	156	$95,467	$21,824	$73,642	$12,107,453
14	157	$95,467	$21,693	$73,774	$12,033,679
14	158	$95,467	$21,560	$73,906	$11,959,773
14	159	$95,467	$21,428	$74,039	$11,885,734
14	160	$95,467	$21,295	$74,171	$11,811,563
14	161	$95,467	$21,162	$74,304	$11,737,259
14	162	$95,467	$21,029	$74,437	$11,662,822
14	163	$95,467	$20,896	$74,571	$11,588,251
14	164	$95,467	$20,762	$74,704	$11,513,547
14	165	$95,467	$20,628	$74,838	$11,438,709
14	166	$95,467	$20,494	$74,972	$11,363,736
14	167	$95,467	$20,360	$75,107	$11,288,630
14	168	$95,467	$20,225	$75,241	$11,213,389
15	169	$95,467	$20,091	$75,376	$11,138,013
15	170	$95,467	$19,956	$75,511	$11,062,502
15	171	$95,467	$19,820	$75,646	$10,986,856
15	172	$95,467	$19,685	$75,782	$10,911,074
15	173	$95,467	$19,549	$75,918	$10,835,156
15	174	$95,467	$19,413	$76,054	$10,759,103
15	175	$95,467	$19,277	$76,190	$10,682,913
15	176	$95,467	$19,140	$76,326	$10,606,587
15	177	$95,467	$19,003	$76,463	$10,530,124
15	178	$95,467	$18,866	$76,600	$10,453,524
15	179	$95,467	$18,729	$76,737	$10,376,786
15	180	$95,467	$18,592	$76,875	$10,299,911
16	181	$95,467	$18,454	$77,013	$10,222,899
16	182	$95,467	$18,316	$77,151	$10,145,748
16	183	$95,467	$18,178	$77,289	$10,068,460
16	184	$95,467	$18,039	$77,427	$9,991,032
16	185	$95,467	$17,901	$77,566	$9,913,466
16	186	$95,467	$17,762	$77,705	$9,835,761
16	187	$95,467	$17,622	$77,844	$9,757,917
16	188	$95,467	$17,483	$77,984	$9,679,934
16	189	$95,467	$17,343	$78,123	$9,601,810
16	190	$95,467	$17,203	$78,263	$9,523,547
16	191	$95,467	$17,063	$78,404	$9,445,144
16	192	$95,467	$16,923	$78,544	$9,366,600
17	193	$95,467	$16,782	$78,685	$9,287,915
17	194	$95,467	$16,641	$78,826	$9,209,089
17	195	$95,467	$16,500	$78,967	$9,130,122
17	196	$95,467	$16,358	$79,108	$9,051,014
17	197	$95,467	$16,216	$79,250	$8,971,764
17	198	$95,467	$16,074	$79,392	$8,892,371
17	199	$95,467	$15,932	$79,534	$8,812,837
17	200	$95,467	$15,790	$79,677	$8,733,160
17	201	$95,467	$15,647	$79,820	$8,653,341
17	202	$95,467	$15,504	$79,963	$8,573,378
17	203	$95,467	$15,361	$80,106	$8,493,272
17	204	$95,467	$15,217	$80,249	$8,413,023
18	205	$95,467	$15,073	$80,393	$8,332,629
18	206	$95,467	$14,929	$80,537	$8,252,092
18	207	$95,467	$14,785	$80,682	$8,171,410
18	208	$95,467	$14,640	$80,826	$8,090,584
18	209	$95,467	$14,496	$80,971	$8,009,613
18	210	$95,467	$14,351	$81,116	$7,928,497
18	211	$95,467	$14,205	$81,261	$7,847,236
18	212	$95,467	$14,060	$81,407	$7,765,829
18	213	$95,467	$13,914	$81,553	$7,684,276
18	214	$95,467	$13,768	$81,699	$7,602,578
18	215	$95,467	$13,621	$81,845	$7,520,732
18	216	$95,467	$13,475	$81,992	$7,438,740
19	217	$95,467	$13,328	$82,139	$7,356,602
19	218	$95,467	$13,181	$82,286	$7,274,316
19	219	$95,467	$13,033	$82,433	$7,191,882
19	220	$95,467	$12,885	$82,581	$7,109,301
19	221	$95,467	$12,737	$82,729	$7,026,572
19	222	$95,467	$12,589	$82,877	$6,943,695
19	223	$95,467	$12,441	$83,026	$6,860,669
19	224	$95,467	$12,292	$83,175	$6,777,494
19	225	$95,467	$12,143	$83,324	$6,694,171
19	226	$95,467	$11,994	$83,473	$6,610,698
19	227	$95,467	$11,844	$83,622	$6,527,076
19	228	$95,467	$11,694	$83,772	$6,443,303
20	229	$95,467	$11,544	$83,922	$6,359,381
20	230	$95,467	$11,394	$84,073	$6,275,309
20	231	$95,467	$11,243	$84,223	$6,191,085
20	232	$95,467	$11,092	$84,374	$6,106,711
20	233	$95,467	$10,941	$84,525	$6,022,186
20	234	$95,467	$10,790	$84,677	$5,937,509
20	235	$95,467	$10,638	$84,829	$5,852,680
20	236	$95,467	$10,486	$84,980	$5,767,700
20	237	$95,467	$10,334	$85,133	$5,682,567
20	238	$95,467	$10,181	$85,285	$5,597,282
20	239	$95,467	$10,028	$85,438	$5,511,844
20	240	$95,467	$9,875	$85,591	$5,426,253
21	241	$95,467	$9,722	$85,745	$5,340,508
21	242	$95,467	$9,568	$85,898	$5,254,610
21	243	$95,467	$9,415	$86,052	$5,168,558
21	244	$95,467	$9,260	$86,206	$5,082,352
21	245	$95,467	$9,106	$86,361	$4,995,991
21	246	$95,467	$8,951	$86,515	$4,909,476
21	247	$95,467	$8,796	$86,670	$4,822,805
21	248	$95,467	$8,641	$86,826	$4,735,979
21	249	$95,467	$8,485	$86,981	$4,648,998
21	250	$95,467	$8,329	$87,137	$4,561,861
21	251	$95,467	$8,173	$87,293	$4,474,568
21	252	$95,467	$8,017	$87,450	$4,387,118
22	253	$95,467	$7,860	$87,606	$4,299,512
22	254	$95,467	$7,703	$87,763	$4,211,749
22	255	$95,467	$7,546	$87,921	$4,123,828
22	256	$95,467	$7,389	$88,078	$4,035,750
22	257	$95,467	$7,231	$88,236	$3,947,514
22	258	$95,467	$7,073	$88,394	$3,859,120
22	259	$95,467	$6,914	$88,552	$3,770,568
22	260	$95,467	$6,756	$88,711	$3,681,857
22	261	$95,467	$6,597	$88,870	$3,592,987
22	262	$95,467	$6,437	$89,029	$3,503,958
22	263	$95,467	$6,278	$89,189	$3,414,770
22	264	$95,467	$6,118	$89,348	$3,325,421
23	265	$95,467	$5,958	$89,509	$3,235,913
23	266	$95,467	$5,798	$89,669	$3,146,244
23	267	$95,467	$5,637	$89,830	$3,056,414
23	268	$95,467	$5,476	$89,990	$2,966,424
23	269	$95,467	$5,315	$90,152	$2,876,272
23	270	$95,467	$5,153	$90,313	$2,785,959
23	271	$95,467	$4,992	$90,475	$2,695,484
23	272	$95,467	$4,829	$90,637	$2,604,847
23	273	$95,467	$4,667	$90,800	$2,514,047
23	274	$95,467	$4,504	$90,962	$2,423,085
23	275	$95,467	$4,341	$91,125	$2,331,960
23	276	$95,467	$4,178	$91,288	$2,240,671
24	277	$95,467	$4,015	$91,452	$2,149,219
24	278	$95,467	$3,851	$91,616	$2,057,603
24	279	$95,467	$3,687	$91,780	$1,965,823
24	280	$95,467	$3,522	$91,944	$1,873,879
24	281	$95,467	$3,357	$92,109	$1,781,770
24	282	$95,467	$3,192	$92,274	$1,689,495
24	283	$95,467	$3,027	$92,440	$1,597,056
24	284	$95,467	$2,861	$92,605	$1,504,451
24	285	$95,467	$2,695	$92,771	$1,411,680
24	286	$95,467	$2,529	$92,937	$1,318,742
24	287	$95,467	$2,363	$93,104	$1,225,639
24	288	$95,467	$2,196	$93,271	$1,132,368
25	289	$95,467	$2,029	$93,438	$1,038,930
25	290	$95,467	$1,861	$93,605	$945,325
25	291	$95,467	$1,694	$93,773	$851,552
25	292	$95,467	$1,526	$93,941	$757,611
25	293	$95,467	$1,357	$94,109	$663,502
25	294	$95,467	$1,189	$94,278	$569,224
25	295	$95,467	$1,020	$94,447	$474,778
25	296	$95,467	$851	$94,616	$380,162
25	297	$95,467	$681	$94,785	$285,376
25	298	$95,467	$511	$94,955	$190,421
25	299	$95,467	$341	$95,125	$95,296
25	300	$95,467	$171	$95,296	$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$ 14,760,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,129,000

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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.