Century 21 Centaland Property

Down Payment (HKD)

$9,200,000

Monthly Repayment (HKD)

$59,505

Loan Amount (HKD)

$13,800,000

Total Interest (HKD)

$4,051,469

Total Repayment (HKD)

$17,851,469

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$59,505	$24,725	$34,780	$13,765,220
1	2	$59,505	$24,663	$34,842	$13,730,378
1	3	$59,505	$24,600	$34,905	$13,695,473
1	4	$59,505	$24,538	$34,967	$13,660,506
1	5	$59,505	$24,475	$35,030	$13,625,476
1	6	$59,505	$24,412	$35,093	$13,590,384
1	7	$59,505	$24,349	$35,155	$13,555,228
1	8	$59,505	$24,286	$35,218	$13,520,010
1	9	$59,505	$24,223	$35,282	$13,484,728
1	10	$59,505	$24,160	$35,345	$13,449,383
1	11	$59,505	$24,097	$35,408	$13,413,975
1	12	$59,505	$24,033	$35,472	$13,378,504
2	13	$59,505	$23,970	$35,535	$13,342,969
2	14	$59,505	$23,906	$35,599	$13,307,370
2	15	$59,505	$23,842	$35,663	$13,271,708
2	16	$59,505	$23,778	$35,726	$13,235,981
2	17	$59,505	$23,714	$35,790	$13,200,191
2	18	$59,505	$23,650	$35,855	$13,164,336
2	19	$59,505	$23,586	$35,919	$13,128,417
2	20	$59,505	$23,522	$35,983	$13,092,434
2	21	$59,505	$23,457	$36,048	$13,056,387
2	22	$59,505	$23,393	$36,112	$13,020,274
2	23	$59,505	$23,328	$36,177	$12,984,097
2	24	$59,505	$23,263	$36,242	$12,947,856
3	25	$59,505	$23,198	$36,307	$12,911,549
3	26	$59,505	$23,133	$36,372	$12,875,177
3	27	$59,505	$23,068	$36,437	$12,838,740
3	28	$59,505	$23,003	$36,502	$12,802,238
3	29	$59,505	$22,937	$36,568	$12,765,671
3	30	$59,505	$22,872	$36,633	$12,729,038
3	31	$59,505	$22,806	$36,699	$12,692,339
3	32	$59,505	$22,740	$36,764	$12,655,575
3	33	$59,505	$22,675	$36,830	$12,618,744
3	34	$59,505	$22,609	$36,896	$12,581,848
3	35	$59,505	$22,542	$36,962	$12,544,885
3	36	$59,505	$22,476	$37,029	$12,507,857
4	37	$59,505	$22,410	$37,095	$12,470,762
4	38	$59,505	$22,343	$37,161	$12,433,600
4	39	$59,505	$22,277	$37,228	$12,396,372
4	40	$59,505	$22,210	$37,295	$12,359,078
4	41	$59,505	$22,143	$37,362	$12,321,716
4	42	$59,505	$22,076	$37,428	$12,284,288
4	43	$59,505	$22,009	$37,496	$12,246,792
4	44	$59,505	$21,942	$37,563	$12,209,229
4	45	$59,505	$21,875	$37,630	$12,171,599
4	46	$59,505	$21,807	$37,697	$12,133,902
4	47	$59,505	$21,740	$37,765	$12,096,137
4	48	$59,505	$21,672	$37,833	$12,058,304
5	49	$59,505	$21,604	$37,900	$12,020,404
5	50	$59,505	$21,537	$37,968	$11,982,435
5	51	$59,505	$21,469	$38,036	$11,944,399
5	52	$59,505	$21,400	$38,105	$11,906,295
5	53	$59,505	$21,332	$38,173	$11,868,122
5	54	$59,505	$21,264	$38,241	$11,829,881
5	55	$59,505	$21,195	$38,310	$11,791,571
5	56	$59,505	$21,127	$38,378	$11,753,193
5	57	$59,505	$21,058	$38,447	$11,714,745
5	58	$59,505	$20,989	$38,516	$11,676,229
5	59	$59,505	$20,920	$38,585	$11,637,644
5	60	$59,505	$20,851	$38,654	$11,598,990
6	61	$59,505	$20,782	$38,723	$11,560,267
6	62	$59,505	$20,712	$38,793	$11,521,474
6	63	$59,505	$20,643	$38,862	$11,482,612
6	64	$59,505	$20,573	$38,932	$11,443,680
6	65	$59,505	$20,503	$39,002	$11,404,678
6	66	$59,505	$20,433	$39,072	$11,365,607
6	67	$59,505	$20,363	$39,142	$11,326,465
6	68	$59,505	$20,293	$39,212	$11,287,254
6	69	$59,505	$20,223	$39,282	$11,247,972
6	70	$59,505	$20,153	$39,352	$11,208,620
6	71	$59,505	$20,082	$39,423	$11,169,197
6	72	$59,505	$20,011	$39,493	$11,129,703
7	73	$59,505	$19,941	$39,564	$11,090,139
7	74	$59,505	$19,870	$39,635	$11,050,504
7	75	$59,505	$19,799	$39,706	$11,010,798
7	76	$59,505	$19,728	$39,777	$10,971,021
7	77	$59,505	$19,656	$39,848	$10,931,172
7	78	$59,505	$19,585	$39,920	$10,891,253
7	79	$59,505	$19,513	$39,991	$10,851,261
7	80	$59,505	$19,442	$40,063	$10,811,198
7	81	$59,505	$19,370	$40,135	$10,771,063
7	82	$59,505	$19,298	$40,207	$10,730,856
7	83	$59,505	$19,226	$40,279	$10,690,578
7	84	$59,505	$19,154	$40,351	$10,650,227
8	85	$59,505	$19,082	$40,423	$10,609,804
8	86	$59,505	$19,009	$40,496	$10,569,308
8	87	$59,505	$18,937	$40,568	$10,528,740
8	88	$59,505	$18,864	$40,641	$10,488,099
8	89	$59,505	$18,791	$40,714	$10,447,385
8	90	$59,505	$18,718	$40,787	$10,406,598
8	91	$59,505	$18,645	$40,860	$10,365,739
8	92	$59,505	$18,572	$40,933	$10,324,806
8	93	$59,505	$18,499	$41,006	$10,283,799
8	94	$59,505	$18,425	$41,080	$10,242,720
8	95	$59,505	$18,352	$41,153	$10,201,566
8	96	$59,505	$18,278	$41,227	$10,160,339
9	97	$59,505	$18,204	$41,301	$10,119,038
9	98	$59,505	$18,130	$41,375	$10,077,663
9	99	$59,505	$18,056	$41,449	$10,036,214
9	100	$59,505	$17,982	$41,523	$9,994,691
9	101	$59,505	$17,907	$41,598	$9,953,093
9	102	$59,505	$17,833	$41,672	$9,911,421
9	103	$59,505	$17,758	$41,747	$9,869,674
9	104	$59,505	$17,683	$41,822	$9,827,852
9	105	$59,505	$17,608	$41,897	$9,785,955
9	106	$59,505	$17,533	$41,972	$9,743,984
9	107	$59,505	$17,458	$42,047	$9,701,937
9	108	$59,505	$17,383	$42,122	$9,659,815
10	109	$59,505	$17,307	$42,198	$9,617,617
10	110	$59,505	$17,232	$42,273	$9,575,343
10	111	$59,505	$17,156	$42,349	$9,532,994
10	112	$59,505	$17,080	$42,425	$9,490,569
10	113	$59,505	$17,004	$42,501	$9,448,069
10	114	$59,505	$16,928	$42,577	$9,405,491
10	115	$59,505	$16,852	$42,653	$9,362,838
10	116	$59,505	$16,775	$42,730	$9,320,108
10	117	$59,505	$16,699	$42,806	$9,277,302
10	118	$59,505	$16,622	$42,883	$9,234,419
10	119	$59,505	$16,545	$42,960	$9,191,459
10	120	$59,505	$16,468	$43,037	$9,148,422
11	121	$59,505	$16,391	$43,114	$9,105,308
11	122	$59,505	$16,314	$43,191	$9,062,117
11	123	$59,505	$16,236	$43,269	$9,018,848
11	124	$59,505	$16,159	$43,346	$8,975,502
11	125	$59,505	$16,081	$43,424	$8,932,078
11	126	$59,505	$16,003	$43,502	$8,888,577
11	127	$59,505	$15,925	$43,580	$8,844,997
11	128	$59,505	$15,847	$43,658	$8,801,340
11	129	$59,505	$15,769	$43,736	$8,757,604
11	130	$59,505	$15,691	$43,814	$8,713,790
11	131	$59,505	$15,612	$43,893	$8,669,897
11	132	$59,505	$15,534	$43,971	$8,625,926
12	133	$59,505	$15,455	$44,050	$8,581,875
12	134	$59,505	$15,376	$44,129	$8,537,746
12	135	$59,505	$15,297	$44,208	$8,493,538
12	136	$59,505	$15,218	$44,287	$8,449,251
12	137	$59,505	$15,138	$44,367	$8,404,884
12	138	$59,505	$15,059	$44,446	$8,360,438
12	139	$59,505	$14,979	$44,526	$8,315,912
12	140	$59,505	$14,899	$44,606	$8,271,307
12	141	$59,505	$14,819	$44,685	$8,226,621
12	142	$59,505	$14,739	$44,766	$8,181,856
12	143	$59,505	$14,659	$44,846	$8,137,010
12	144	$59,505	$14,579	$44,926	$8,092,084
13	145	$59,505	$14,498	$45,007	$8,047,077
13	146	$59,505	$14,418	$45,087	$8,001,990
13	147	$59,505	$14,337	$45,168	$7,956,822
13	148	$59,505	$14,256	$45,249	$7,911,573
13	149	$59,505	$14,175	$45,330	$7,866,243
13	150	$59,505	$14,094	$45,411	$7,820,832
13	151	$59,505	$14,012	$45,493	$7,775,339
13	152	$59,505	$13,931	$45,574	$7,729,765
13	153	$59,505	$13,849	$45,656	$7,684,110
13	154	$59,505	$13,767	$45,738	$7,638,372
13	155	$59,505	$13,685	$45,819	$7,592,553
13	156	$59,505	$13,603	$45,902	$7,546,651
14	157	$59,505	$13,521	$45,984	$7,500,667
14	158	$59,505	$13,439	$46,066	$7,454,601
14	159	$59,505	$13,356	$46,149	$7,408,452
14	160	$59,505	$13,273	$46,231	$7,362,221
14	161	$59,505	$13,191	$46,314	$7,315,907
14	162	$59,505	$13,108	$46,397	$7,269,509
14	163	$59,505	$13,025	$46,480	$7,223,029
14	164	$59,505	$12,941	$46,564	$7,176,465
14	165	$59,505	$12,858	$46,647	$7,129,818
14	166	$59,505	$12,774	$46,731	$7,083,088
14	167	$59,505	$12,691	$46,814	$7,036,273
14	168	$59,505	$12,607	$46,898	$6,989,375
15	169	$59,505	$12,523	$46,982	$6,942,393
15	170	$59,505	$12,438	$47,066	$6,895,326
15	171	$59,505	$12,354	$47,151	$6,848,176
15	172	$59,505	$12,270	$47,235	$6,800,940
15	173	$59,505	$12,185	$47,320	$6,753,621
15	174	$59,505	$12,100	$47,405	$6,706,216
15	175	$59,505	$12,015	$47,490	$6,658,726
15	176	$59,505	$11,930	$47,575	$6,611,152
15	177	$59,505	$11,845	$47,660	$6,563,492
15	178	$59,505	$11,760	$47,745	$6,515,746
15	179	$59,505	$11,674	$47,831	$6,467,916
15	180	$59,505	$11,588	$47,917	$6,419,999
16	181	$59,505	$11,502	$48,002	$6,371,997
16	182	$59,505	$11,416	$48,088	$6,323,908
16	183	$59,505	$11,330	$48,175	$6,275,734
16	184	$59,505	$11,244	$48,261	$6,227,473
16	185	$59,505	$11,158	$48,347	$6,179,125
16	186	$59,505	$11,071	$48,434	$6,130,691
16	187	$59,505	$10,984	$48,521	$6,082,171
16	188	$59,505	$10,897	$48,608	$6,033,563
16	189	$59,505	$10,810	$48,695	$5,984,868
16	190	$59,505	$10,723	$48,782	$5,936,086
16	191	$59,505	$10,635	$48,869	$5,887,217
16	192	$59,505	$10,548	$48,957	$5,838,260
17	193	$59,505	$10,460	$49,045	$5,789,215
17	194	$59,505	$10,372	$49,133	$5,740,083
17	195	$59,505	$10,284	$49,221	$5,690,862
17	196	$59,505	$10,196	$49,309	$5,641,553
17	197	$59,505	$10,108	$49,397	$5,592,156
17	198	$59,505	$10,019	$49,486	$5,542,671
17	199	$59,505	$9,931	$49,574	$5,493,096
17	200	$59,505	$9,842	$49,663	$5,443,433
17	201	$59,505	$9,753	$49,752	$5,393,681
17	202	$59,505	$9,664	$49,841	$5,343,840
17	203	$59,505	$9,574	$49,931	$5,293,909
17	204	$59,505	$9,485	$50,020	$5,243,889
18	205	$59,505	$9,395	$50,110	$5,193,780
18	206	$59,505	$9,306	$50,199	$5,143,580
18	207	$59,505	$9,216	$50,289	$5,093,291
18	208	$59,505	$9,125	$50,379	$5,042,912
18	209	$59,505	$9,035	$50,470	$4,992,442
18	210	$59,505	$8,945	$50,560	$4,941,882
18	211	$59,505	$8,854	$50,651	$4,891,231
18	212	$59,505	$8,763	$50,741	$4,840,490
18	213	$59,505	$8,673	$50,832	$4,789,657
18	214	$59,505	$8,581	$50,923	$4,738,734
18	215	$59,505	$8,490	$51,015	$4,687,719
18	216	$59,505	$8,399	$51,106	$4,636,613
19	217	$59,505	$8,307	$51,198	$4,585,416
19	218	$59,505	$8,216	$51,289	$4,534,126
19	219	$59,505	$8,124	$51,381	$4,482,745
19	220	$59,505	$8,032	$51,473	$4,431,272
19	221	$59,505	$7,939	$51,566	$4,379,706
19	222	$59,505	$7,847	$51,658	$4,328,048
19	223	$59,505	$7,754	$51,750	$4,276,298
19	224	$59,505	$7,662	$51,843	$4,224,455
19	225	$59,505	$7,569	$51,936	$4,172,518
19	226	$59,505	$7,476	$52,029	$4,120,489
19	227	$59,505	$7,383	$52,122	$4,068,367
19	228	$59,505	$7,289	$52,216	$4,016,151
20	229	$59,505	$7,196	$52,309	$3,963,842
20	230	$59,505	$7,102	$52,403	$3,911,439
20	231	$59,505	$7,008	$52,497	$3,858,942
20	232	$59,505	$6,914	$52,591	$3,806,351
20	233	$59,505	$6,820	$52,685	$3,753,666
20	234	$59,505	$6,725	$52,780	$3,700,886
20	235	$59,505	$6,631	$52,874	$3,648,012
20	236	$59,505	$6,536	$52,969	$3,595,043
20	237	$59,505	$6,441	$53,064	$3,541,980
20	238	$59,505	$6,346	$53,159	$3,488,821
20	239	$59,505	$6,251	$53,254	$3,435,567
20	240	$59,505	$6,155	$53,350	$3,382,217
21	241	$59,505	$6,060	$53,445	$3,328,772
21	242	$59,505	$5,964	$53,541	$3,275,231
21	243	$59,505	$5,868	$53,637	$3,221,594
21	244	$59,505	$5,772	$53,733	$3,167,861
21	245	$59,505	$5,676	$53,829	$3,114,032
21	246	$59,505	$5,579	$53,926	$3,060,107
21	247	$59,505	$5,483	$54,022	$3,006,085
21	248	$59,505	$5,386	$54,119	$2,951,966
21	249	$59,505	$5,289	$54,216	$2,897,750
21	250	$59,505	$5,192	$54,313	$2,843,436
21	251	$59,505	$5,094	$54,410	$2,789,026
21	252	$59,505	$4,997	$54,508	$2,734,518
22	253	$59,505	$4,899	$54,606	$2,679,913
22	254	$59,505	$4,802	$54,703	$2,625,209
22	255	$59,505	$4,703	$54,801	$2,570,408
22	256	$59,505	$4,605	$54,900	$2,515,508
22	257	$59,505	$4,507	$54,998	$2,460,510
22	258	$59,505	$4,408	$55,096	$2,405,414
22	259	$59,505	$4,310	$55,195	$2,350,219
22	260	$59,505	$4,211	$55,294	$2,294,925
22	261	$59,505	$4,112	$55,393	$2,239,531
22	262	$59,505	$4,012	$55,492	$2,184,039
22	263	$59,505	$3,913	$55,592	$2,128,447
22	264	$59,505	$3,813	$55,691	$2,072,756
23	265	$59,505	$3,714	$55,791	$2,016,965
23	266	$59,505	$3,614	$55,891	$1,961,073
23	267	$59,505	$3,514	$55,991	$1,905,082
23	268	$59,505	$3,413	$56,092	$1,848,990
23	269	$59,505	$3,313	$56,192	$1,792,798
23	270	$59,505	$3,212	$56,293	$1,736,505
23	271	$59,505	$3,111	$56,394	$1,680,112
23	272	$59,505	$3,010	$56,495	$1,623,617
23	273	$59,505	$2,909	$56,596	$1,567,021
23	274	$59,505	$2,808	$56,697	$1,510,324
23	275	$59,505	$2,706	$56,799	$1,453,525
23	276	$59,505	$2,604	$56,901	$1,396,624
24	277	$59,505	$2,502	$57,003	$1,339,622
24	278	$59,505	$2,400	$57,105	$1,282,517
24	279	$59,505	$2,298	$57,207	$1,225,310
24	280	$59,505	$2,195	$57,310	$1,168,000
24	281	$59,505	$2,093	$57,412	$1,110,588
24	282	$59,505	$1,990	$57,515	$1,053,073
24	283	$59,505	$1,887	$57,618	$995,455
24	284	$59,505	$1,784	$57,721	$937,734
24	285	$59,505	$1,680	$57,825	$879,909
24	286	$59,505	$1,577	$57,928	$821,980
24	287	$59,505	$1,473	$58,032	$763,948
24	288	$59,505	$1,369	$58,136	$705,812
25	289	$59,505	$1,265	$58,240	$647,572
25	290	$59,505	$1,160	$58,345	$589,227
25	291	$59,505	$1,056	$58,449	$530,778
25	292	$59,505	$951	$58,554	$472,224
25	293	$59,505	$846	$58,659	$413,565
25	294	$59,505	$741	$58,764	$354,801
25	295	$59,505	$636	$58,869	$295,932
25	296	$59,505	$530	$58,975	$236,957
25	297	$59,505	$425	$59,080	$177,877
25	298	$59,505	$319	$59,186	$118,691
25	299	$59,505	$213	$59,292	$59,398
25	300	$59,505	$106	$59,398	$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$ 9,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 9,430,000

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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.