Century 21 Centaland Property

Down Payment (HKD)

$43,200,000

Monthly Repayment (HKD)

$279,414

Loan Amount (HKD)

$64,800,000

Total Interest (HKD)

$19,024,290

Total Repayment (HKD)

$83,824,290

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$279,414	$116,100	$163,314	$64,636,686
1	2	$279,414	$115,807	$163,607	$64,473,079
1	3	$279,414	$115,514	$163,900	$64,309,179
1	4	$279,414	$115,221	$164,194	$64,144,985
1	5	$279,414	$114,926	$164,488	$63,980,497
1	6	$279,414	$114,632	$164,783	$63,815,715
1	7	$279,414	$114,336	$165,078	$63,650,637
1	8	$279,414	$114,041	$165,374	$63,485,263
1	9	$279,414	$113,744	$165,670	$63,319,593
1	10	$279,414	$113,448	$165,967	$63,153,627
1	11	$279,414	$113,150	$166,264	$62,987,363
1	12	$279,414	$112,852	$166,562	$62,820,801
2	13	$279,414	$112,554	$166,860	$62,653,940
2	14	$279,414	$112,255	$167,159	$62,486,781
2	15	$279,414	$111,955	$167,459	$62,319,322
2	16	$279,414	$111,655	$167,759	$62,151,563
2	17	$279,414	$111,355	$168,059	$61,983,504
2	18	$279,414	$111,054	$168,361	$61,815,143
2	19	$279,414	$110,752	$168,662	$61,646,481
2	20	$279,414	$110,450	$168,964	$61,477,517
2	21	$279,414	$110,147	$169,267	$61,308,250
2	22	$279,414	$109,844	$169,570	$61,138,679
2	23	$279,414	$109,540	$169,874	$60,968,805
2	24	$279,414	$109,236	$170,179	$60,798,627
3	25	$279,414	$108,931	$170,483	$60,628,143
3	26	$279,414	$108,625	$170,789	$60,457,354
3	27	$279,414	$108,319	$171,095	$60,286,260
3	28	$279,414	$108,013	$171,401	$60,114,858
3	29	$279,414	$107,706	$171,709	$59,943,150
3	30	$279,414	$107,398	$172,016	$59,771,134
3	31	$279,414	$107,090	$172,324	$59,598,809
3	32	$279,414	$106,781	$172,633	$59,426,176
3	33	$279,414	$106,472	$172,942	$59,253,234
3	34	$279,414	$106,162	$173,252	$59,079,981
3	35	$279,414	$105,852	$173,563	$58,906,419
3	36	$279,414	$105,541	$173,874	$58,732,545
4	37	$279,414	$105,229	$174,185	$58,558,360
4	38	$279,414	$104,917	$174,497	$58,383,863
4	39	$279,414	$104,604	$174,810	$58,209,053
4	40	$279,414	$104,291	$175,123	$58,033,930
4	41	$279,414	$103,977	$175,437	$57,858,493
4	42	$279,414	$103,663	$175,751	$57,682,742
4	43	$279,414	$103,348	$176,066	$57,506,676
4	44	$279,414	$103,033	$176,382	$57,330,294
4	45	$279,414	$102,717	$176,698	$57,153,597
4	46	$279,414	$102,400	$177,014	$56,976,583
4	47	$279,414	$102,083	$177,331	$56,799,251
4	48	$279,414	$101,765	$177,649	$56,621,602
5	49	$279,414	$101,447	$177,967	$56,443,635
5	50	$279,414	$101,128	$178,286	$56,265,349
5	51	$279,414	$100,809	$178,606	$56,086,743
5	52	$279,414	$100,489	$178,926	$55,907,818
5	53	$279,414	$100,168	$179,246	$55,728,572
5	54	$279,414	$99,847	$179,567	$55,549,004
5	55	$279,414	$99,525	$179,889	$55,369,115
5	56	$279,414	$99,203	$180,211	$55,188,904
5	57	$279,414	$98,880	$180,534	$55,008,370
5	58	$279,414	$98,557	$180,858	$54,827,512
5	59	$279,414	$98,233	$181,182	$54,646,331
5	60	$279,414	$97,908	$181,506	$54,464,824
6	61	$279,414	$97,583	$181,831	$54,282,993
6	62	$279,414	$97,257	$182,157	$54,100,836
6	63	$279,414	$96,931	$182,484	$53,918,352
6	64	$279,414	$96,604	$182,811	$53,735,541
6	65	$279,414	$96,276	$183,138	$53,552,403
6	66	$279,414	$95,948	$183,466	$53,368,937
6	67	$279,414	$95,619	$183,795	$53,185,142
6	68	$279,414	$95,290	$184,124	$53,001,018
6	69	$279,414	$94,960	$184,454	$52,816,564
6	70	$279,414	$94,630	$184,785	$52,631,779
6	71	$279,414	$94,299	$185,116	$52,446,663
6	72	$279,414	$93,967	$185,447	$52,261,216
7	73	$279,414	$93,635	$185,780	$52,075,436
7	74	$279,414	$93,302	$186,112	$51,889,324
7	75	$279,414	$92,968	$186,446	$51,702,878
7	76	$279,414	$92,634	$186,780	$51,516,098
7	77	$279,414	$92,300	$187,115	$51,328,983
7	78	$279,414	$91,964	$187,450	$51,141,534
7	79	$279,414	$91,629	$187,786	$50,953,748
7	80	$279,414	$91,292	$188,122	$50,765,626
7	81	$279,414	$90,955	$188,459	$50,577,166
7	82	$279,414	$90,617	$188,797	$50,388,370
7	83	$279,414	$90,279	$189,135	$50,199,234
7	84	$279,414	$89,940	$189,474	$50,009,760
8	85	$279,414	$89,601	$189,813	$49,819,947
8	86	$279,414	$89,261	$190,154	$49,629,793
8	87	$279,414	$88,920	$190,494	$49,439,299
8	88	$279,414	$88,579	$190,836	$49,248,464
8	89	$279,414	$88,237	$191,177	$49,057,286
8	90	$279,414	$87,894	$191,520	$48,865,766
8	91	$279,414	$87,551	$191,863	$48,673,903
8	92	$279,414	$87,207	$192,207	$48,481,696
8	93	$279,414	$86,863	$192,551	$48,289,145
8	94	$279,414	$86,518	$192,896	$48,096,249
8	95	$279,414	$86,172	$193,242	$47,903,007
8	96	$279,414	$85,826	$193,588	$47,709,419
9	97	$279,414	$85,479	$193,935	$47,515,484
9	98	$279,414	$85,132	$194,282	$47,321,201
9	99	$279,414	$84,784	$194,630	$47,126,571
9	100	$279,414	$84,435	$194,979	$46,931,592
9	101	$279,414	$84,086	$195,329	$46,736,263
9	102	$279,414	$83,736	$195,678	$46,540,585
9	103	$279,414	$83,385	$196,029	$46,344,556
9	104	$279,414	$83,034	$196,380	$46,148,175
9	105	$279,414	$82,682	$196,732	$45,951,443
9	106	$279,414	$82,330	$197,085	$45,754,358
9	107	$279,414	$81,977	$197,438	$45,556,921
9	108	$279,414	$81,623	$197,791	$45,359,129
10	109	$279,414	$81,268	$198,146	$45,160,983
10	110	$279,414	$80,913	$198,501	$44,962,482
10	111	$279,414	$80,558	$198,857	$44,763,626
10	112	$279,414	$80,201	$199,213	$44,564,413
10	113	$279,414	$79,845	$199,570	$44,364,843
10	114	$279,414	$79,487	$199,927	$44,164,916
10	115	$279,414	$79,129	$200,285	$43,964,631
10	116	$279,414	$78,770	$200,644	$43,763,986
10	117	$279,414	$78,410	$201,004	$43,562,982
10	118	$279,414	$78,050	$201,364	$43,361,619
10	119	$279,414	$77,690	$201,725	$43,159,894
10	120	$279,414	$77,328	$202,086	$42,957,808
11	121	$279,414	$76,966	$202,448	$42,755,359
11	122	$279,414	$76,603	$202,811	$42,552,548
11	123	$279,414	$76,240	$203,174	$42,349,374
11	124	$279,414	$75,876	$203,538	$42,145,836
11	125	$279,414	$75,511	$203,903	$41,941,933
11	126	$279,414	$75,146	$204,268	$41,737,664
11	127	$279,414	$74,780	$204,634	$41,533,030
11	128	$279,414	$74,413	$205,001	$41,328,029
11	129	$279,414	$74,046	$205,368	$41,122,661
11	130	$279,414	$73,678	$205,736	$40,916,925
11	131	$279,414	$73,309	$206,105	$40,710,820
11	132	$279,414	$72,940	$206,474	$40,504,346
12	133	$279,414	$72,570	$206,844	$40,297,502
12	134	$279,414	$72,200	$207,215	$40,090,287
12	135	$279,414	$71,828	$207,586	$39,882,701
12	136	$279,414	$71,457	$207,958	$39,674,744
12	137	$279,414	$71,084	$208,330	$39,466,413
12	138	$279,414	$70,711	$208,704	$39,257,710
12	139	$279,414	$70,337	$209,078	$39,048,632
12	140	$279,414	$69,962	$209,452	$38,839,180
12	141	$279,414	$69,587	$209,827	$38,629,352
12	142	$279,414	$69,211	$210,203	$38,419,149
12	143	$279,414	$68,834	$210,580	$38,208,569
12	144	$279,414	$68,457	$210,957	$37,997,612
13	145	$279,414	$68,079	$211,335	$37,786,276
13	146	$279,414	$67,700	$211,714	$37,574,563
13	147	$279,414	$67,321	$212,093	$37,362,469
13	148	$279,414	$66,941	$212,473	$37,149,996
13	149	$279,414	$66,560	$212,854	$36,937,142
13	150	$279,414	$66,179	$213,235	$36,723,907
13	151	$279,414	$65,797	$213,617	$36,510,290
13	152	$279,414	$65,414	$214,000	$36,296,290
13	153	$279,414	$65,031	$214,383	$36,081,906
13	154	$279,414	$64,647	$214,768	$35,867,139
13	155	$279,414	$64,262	$215,152	$35,651,986
13	156	$279,414	$63,876	$215,538	$35,436,449
14	157	$279,414	$63,490	$215,924	$35,220,525
14	158	$279,414	$63,103	$216,311	$35,004,214
14	159	$279,414	$62,716	$216,698	$34,787,515
14	160	$279,414	$62,328	$217,087	$34,570,429
14	161	$279,414	$61,939	$217,476	$34,352,953
14	162	$279,414	$61,549	$217,865	$34,135,088
14	163	$279,414	$61,159	$218,256	$33,916,832
14	164	$279,414	$60,768	$218,647	$33,698,186
14	165	$279,414	$60,376	$219,038	$33,479,147
14	166	$279,414	$59,983	$219,431	$33,259,716
14	167	$279,414	$59,590	$219,824	$33,039,892
14	168	$279,414	$59,196	$220,218	$32,819,675
15	169	$279,414	$58,802	$220,612	$32,599,062
15	170	$279,414	$58,407	$221,008	$32,378,054
15	171	$279,414	$58,011	$221,404	$32,156,651
15	172	$279,414	$57,614	$221,800	$31,934,851
15	173	$279,414	$57,217	$222,198	$31,712,653
15	174	$279,414	$56,819	$222,596	$31,490,057
15	175	$279,414	$56,420	$222,995	$31,267,062
15	176	$279,414	$56,020	$223,394	$31,043,668
15	177	$279,414	$55,620	$223,794	$30,819,874
15	178	$279,414	$55,219	$224,195	$30,595,679
15	179	$279,414	$54,817	$224,597	$30,371,082
15	180	$279,414	$54,415	$224,999	$30,146,082
16	181	$279,414	$54,012	$225,403	$29,920,680
16	182	$279,414	$53,608	$225,806	$29,694,873
16	183	$279,414	$53,203	$226,211	$29,468,662
16	184	$279,414	$52,798	$226,616	$29,242,046
16	185	$279,414	$52,392	$227,022	$29,015,024
16	186	$279,414	$51,985	$227,429	$28,787,594
16	187	$279,414	$51,578	$227,837	$28,559,758
16	188	$279,414	$51,170	$228,245	$28,331,513
16	189	$279,414	$50,761	$228,654	$28,102,860
16	190	$279,414	$50,351	$229,063	$27,873,796
16	191	$279,414	$49,941	$229,474	$27,644,322
16	192	$279,414	$49,529	$229,885	$27,414,438
17	193	$279,414	$49,118	$230,297	$27,184,141
17	194	$279,414	$48,705	$230,709	$26,953,431
17	195	$279,414	$48,292	$231,123	$26,722,309
17	196	$279,414	$47,877	$231,537	$26,490,772
17	197	$279,414	$47,463	$231,952	$26,258,820
17	198	$279,414	$47,047	$232,367	$26,026,453
17	199	$279,414	$46,631	$232,784	$25,793,669
17	200	$279,414	$46,214	$233,201	$25,560,469
17	201	$279,414	$45,796	$233,618	$25,326,850
17	202	$279,414	$45,377	$234,037	$25,092,813
17	203	$279,414	$44,958	$234,456	$24,858,357
17	204	$279,414	$44,538	$234,876	$24,623,480
18	205	$279,414	$44,117	$235,297	$24,388,183
18	206	$279,414	$43,695	$235,719	$24,152,464
18	207	$279,414	$43,273	$236,141	$23,916,323
18	208	$279,414	$42,850	$236,564	$23,679,759
18	209	$279,414	$42,426	$236,988	$23,442,771
18	210	$279,414	$42,002	$237,413	$23,205,358
18	211	$279,414	$41,576	$237,838	$22,967,520
18	212	$279,414	$41,150	$238,264	$22,729,256
18	213	$279,414	$40,723	$238,691	$22,490,565
18	214	$279,414	$40,296	$239,119	$22,251,446
18	215	$279,414	$39,867	$239,547	$22,011,899
18	216	$279,414	$39,438	$239,976	$21,771,923
19	217	$279,414	$39,008	$240,406	$21,531,517
19	218	$279,414	$38,577	$240,837	$21,290,680
19	219	$279,414	$38,146	$241,268	$21,049,411
19	220	$279,414	$37,714	$241,701	$20,807,710
19	221	$279,414	$37,280	$242,134	$20,565,577
19	222	$279,414	$36,847	$242,568	$20,323,009
19	223	$279,414	$36,412	$243,002	$20,080,007
19	224	$279,414	$35,977	$243,438	$19,836,569
19	225	$279,414	$35,541	$243,874	$19,592,695
19	226	$279,414	$35,104	$244,311	$19,348,385
19	227	$279,414	$34,666	$244,748	$19,103,636
19	228	$279,414	$34,227	$245,187	$18,858,449
20	229	$279,414	$33,788	$245,626	$18,612,823
20	230	$279,414	$33,348	$246,066	$18,366,757
20	231	$279,414	$32,907	$246,507	$18,120,249
20	232	$279,414	$32,465	$246,949	$17,873,301
20	233	$279,414	$32,023	$247,391	$17,625,909
20	234	$279,414	$31,580	$247,835	$17,378,075
20	235	$279,414	$31,136	$248,279	$17,129,796
20	236	$279,414	$30,691	$248,723	$16,881,073
20	237	$279,414	$30,245	$249,169	$16,631,904
20	238	$279,414	$29,799	$249,615	$16,382,288
20	239	$279,414	$29,352	$250,063	$16,132,226
20	240	$279,414	$28,904	$250,511	$15,881,715
21	241	$279,414	$28,455	$250,960	$15,630,755
21	242	$279,414	$28,005	$251,409	$15,379,346
21	243	$279,414	$27,555	$251,860	$15,127,486
21	244	$279,414	$27,103	$252,311	$14,875,176
21	245	$279,414	$26,651	$252,763	$14,622,413
21	246	$279,414	$26,198	$253,216	$14,369,197
21	247	$279,414	$25,745	$253,669	$14,115,527
21	248	$279,414	$25,290	$254,124	$13,861,403
21	249	$279,414	$24,835	$254,579	$13,606,824
21	250	$279,414	$24,379	$255,035	$13,351,789
21	251	$279,414	$23,922	$255,492	$13,096,296
21	252	$279,414	$23,464	$255,950	$12,840,346
22	253	$279,414	$23,006	$256,409	$12,583,938
22	254	$279,414	$22,546	$256,868	$12,327,069
22	255	$279,414	$22,086	$257,328	$12,069,741
22	256	$279,414	$21,625	$257,789	$11,811,952
22	257	$279,414	$21,163	$258,251	$11,553,701
22	258	$279,414	$20,700	$258,714	$11,294,987
22	259	$279,414	$20,237	$259,177	$11,035,809
22	260	$279,414	$19,772	$259,642	$10,776,167
22	261	$279,414	$19,307	$260,107	$10,516,060
22	262	$279,414	$18,841	$260,573	$10,255,487
22	263	$279,414	$18,374	$261,040	$9,994,448
22	264	$279,414	$17,907	$261,508	$9,732,940
23	265	$279,414	$17,438	$261,976	$9,470,964
23	266	$279,414	$16,969	$262,445	$9,208,518
23	267	$279,414	$16,499	$262,916	$8,945,603
23	268	$279,414	$16,028	$263,387	$8,682,216
23	269	$279,414	$15,556	$263,859	$8,418,357
23	270	$279,414	$15,083	$264,331	$8,154,026
23	271	$279,414	$14,609	$264,805	$7,889,221
23	272	$279,414	$14,135	$265,279	$7,623,941
23	273	$279,414	$13,660	$265,755	$7,358,187
23	274	$279,414	$13,183	$266,231	$7,091,956
23	275	$279,414	$12,706	$266,708	$6,825,248
23	276	$279,414	$12,229	$267,186	$6,558,062
24	277	$279,414	$11,750	$267,664	$6,290,398
24	278	$279,414	$11,270	$268,144	$6,022,254
24	279	$279,414	$10,790	$268,624	$5,753,629
24	280	$279,414	$10,309	$269,106	$5,484,524
24	281	$279,414	$9,826	$269,588	$5,214,936
24	282	$279,414	$9,343	$270,071	$4,944,865
24	283	$279,414	$8,860	$270,555	$4,674,310
24	284	$279,414	$8,375	$271,039	$4,403,271
24	285	$279,414	$7,889	$271,525	$4,131,745
24	286	$279,414	$7,403	$272,012	$3,859,734
24	287	$279,414	$6,915	$272,499	$3,587,235
24	288	$279,414	$6,427	$272,987	$3,314,248
25	289	$279,414	$5,938	$273,476	$3,040,771
25	290	$279,414	$5,448	$273,966	$2,766,805
25	291	$279,414	$4,957	$274,457	$2,492,348
25	292	$279,414	$4,465	$274,949	$2,217,399
25	293	$279,414	$3,973	$275,441	$1,941,958
25	294	$279,414	$3,479	$275,935	$1,666,023
25	295	$279,414	$2,985	$276,429	$1,389,594
25	296	$279,414	$2,490	$276,925	$1,112,669
25	297	$279,414	$1,994	$277,421	$835,248
25	298	$279,414	$1,496	$277,918	$557,330
25	299	$279,414	$999	$278,416	$278,915
25	300	$279,414	$500	$278,915	$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$ 43,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 44,280,000

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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.