Century 21 Centaland Property

Down Payment (HKD)

$18,400,000

Monthly Repayment (HKD)

$119,010

Loan Amount (HKD)

$27,600,000

Total Interest (HKD)

$8,102,938

Total Repayment (HKD)

$35,702,938

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$119,010	$49,450	$69,560	$27,530,440
1	2	$119,010	$49,325	$69,684	$27,460,756
1	3	$119,010	$49,201	$69,809	$27,390,947
1	4	$119,010	$49,075	$69,934	$27,321,012
1	5	$119,010	$48,950	$70,060	$27,250,953
1	6	$119,010	$48,825	$70,185	$27,180,767
1	7	$119,010	$48,699	$70,311	$27,110,456
1	8	$119,010	$48,573	$70,437	$27,040,020
1	9	$119,010	$48,447	$70,563	$26,969,456
1	10	$119,010	$48,320	$70,690	$26,898,767
1	11	$119,010	$48,194	$70,816	$26,827,951
1	12	$119,010	$48,067	$70,943	$26,757,008
2	13	$119,010	$47,940	$71,070	$26,685,938
2	14	$119,010	$47,812	$71,197	$26,614,740
2	15	$119,010	$47,685	$71,325	$26,543,415
2	16	$119,010	$47,557	$71,453	$26,471,962
2	17	$119,010	$47,429	$71,581	$26,400,381
2	18	$119,010	$47,301	$71,709	$26,328,672
2	19	$119,010	$47,172	$71,838	$26,256,835
2	20	$119,010	$47,043	$71,966	$26,184,868
2	21	$119,010	$46,915	$72,095	$26,112,773
2	22	$119,010	$46,785	$72,224	$26,040,549
2	23	$119,010	$46,656	$72,354	$25,968,195
2	24	$119,010	$46,526	$72,483	$25,895,711
3	25	$119,010	$46,396	$72,613	$25,823,098
3	26	$119,010	$46,266	$72,743	$25,750,355
3	27	$119,010	$46,136	$72,874	$25,677,481
3	28	$119,010	$46,005	$73,004	$25,604,477
3	29	$119,010	$45,875	$73,135	$25,531,342
3	30	$119,010	$45,744	$73,266	$25,458,075
3	31	$119,010	$45,612	$73,397	$25,384,678
3	32	$119,010	$45,481	$73,529	$25,311,149
3	33	$119,010	$45,349	$73,661	$25,237,488
3	34	$119,010	$45,217	$73,793	$25,163,696
3	35	$119,010	$45,085	$73,925	$25,089,771
3	36	$119,010	$44,953	$74,057	$25,015,714
4	37	$119,010	$44,820	$74,190	$24,941,524
4	38	$119,010	$44,687	$74,323	$24,867,201
4	39	$119,010	$44,554	$74,456	$24,792,745
4	40	$119,010	$44,420	$74,589	$24,718,155
4	41	$119,010	$44,287	$74,723	$24,643,432
4	42	$119,010	$44,153	$74,857	$24,568,575
4	43	$119,010	$44,019	$74,991	$24,493,584
4	44	$119,010	$43,884	$75,125	$24,418,459
4	45	$119,010	$43,750	$75,260	$24,343,199
4	46	$119,010	$43,615	$75,395	$24,267,804
4	47	$119,010	$43,480	$75,530	$24,192,274
4	48	$119,010	$43,344	$75,665	$24,116,608
5	49	$119,010	$43,209	$75,801	$24,040,808
5	50	$119,010	$43,073	$75,937	$23,964,871
5	51	$119,010	$42,937	$76,073	$23,888,798
5	52	$119,010	$42,801	$76,209	$23,812,589
5	53	$119,010	$42,664	$76,346	$23,736,244
5	54	$119,010	$42,527	$76,482	$23,659,761
5	55	$119,010	$42,390	$76,619	$23,583,142
5	56	$119,010	$42,253	$76,757	$23,506,385
5	57	$119,010	$42,116	$76,894	$23,429,491
5	58	$119,010	$41,978	$77,032	$23,352,459
5	59	$119,010	$41,840	$77,170	$23,275,289
5	60	$119,010	$41,702	$77,308	$23,197,981
6	61	$119,010	$41,563	$77,447	$23,120,534
6	62	$119,010	$41,424	$77,586	$23,042,949
6	63	$119,010	$41,285	$77,725	$22,965,224
6	64	$119,010	$41,146	$77,864	$22,887,360
6	65	$119,010	$41,007	$78,003	$22,809,357
6	66	$119,010	$40,867	$78,143	$22,731,214
6	67	$119,010	$40,727	$78,283	$22,652,931
6	68	$119,010	$40,587	$78,423	$22,574,508
6	69	$119,010	$40,446	$78,564	$22,495,944
6	70	$119,010	$40,305	$78,705	$22,417,239
6	71	$119,010	$40,164	$78,846	$22,338,394
6	72	$119,010	$40,023	$78,987	$22,259,407
7	73	$119,010	$39,881	$79,128	$22,180,278
7	74	$119,010	$39,740	$79,270	$22,101,008
7	75	$119,010	$39,598	$79,412	$22,021,596
7	76	$119,010	$39,455	$79,554	$21,942,042
7	77	$119,010	$39,313	$79,697	$21,862,345
7	78	$119,010	$39,170	$79,840	$21,782,505
7	79	$119,010	$39,027	$79,983	$21,702,522
7	80	$119,010	$38,884	$80,126	$21,622,396
7	81	$119,010	$38,740	$80,270	$21,542,126
7	82	$119,010	$38,596	$80,413	$21,461,713
7	83	$119,010	$38,452	$80,558	$21,381,155
7	84	$119,010	$38,308	$80,702	$21,300,453
8	85	$119,010	$38,163	$80,846	$21,219,607
8	86	$119,010	$38,018	$80,991	$21,138,616
8	87	$119,010	$37,873	$81,136	$21,057,479
8	88	$119,010	$37,728	$81,282	$20,976,197
8	89	$119,010	$37,582	$81,427	$20,894,770
8	90	$119,010	$37,436	$81,573	$20,813,197
8	91	$119,010	$37,290	$81,719	$20,731,477
8	92	$119,010	$37,144	$81,866	$20,649,611
8	93	$119,010	$36,997	$82,013	$20,567,599
8	94	$119,010	$36,850	$82,160	$20,485,439
8	95	$119,010	$36,703	$82,307	$20,403,132
8	96	$119,010	$36,556	$82,454	$20,320,678
9	97	$119,010	$36,408	$82,602	$20,238,076
9	98	$119,010	$36,260	$82,750	$20,155,326
9	99	$119,010	$36,112	$82,898	$20,072,428
9	100	$119,010	$35,963	$83,047	$19,989,382
9	101	$119,010	$35,814	$83,195	$19,906,186
9	102	$119,010	$35,665	$83,345	$19,822,842
9	103	$119,010	$35,516	$83,494	$19,739,348
9	104	$119,010	$35,366	$83,643	$19,655,704
9	105	$119,010	$35,216	$83,793	$19,571,911
9	106	$119,010	$35,066	$83,943	$19,487,967
9	107	$119,010	$34,916	$84,094	$19,403,874
9	108	$119,010	$34,765	$84,245	$19,319,629
10	109	$119,010	$34,614	$84,395	$19,235,234
10	110	$119,010	$34,463	$84,547	$19,150,687
10	111	$119,010	$34,312	$84,698	$19,065,989
10	112	$119,010	$34,160	$84,850	$18,981,139
10	113	$119,010	$34,008	$85,002	$18,896,137
10	114	$119,010	$33,856	$85,154	$18,810,983
10	115	$119,010	$33,703	$85,307	$18,725,676
10	116	$119,010	$33,550	$85,460	$18,640,216
10	117	$119,010	$33,397	$85,613	$18,554,604
10	118	$119,010	$33,244	$85,766	$18,468,838
10	119	$119,010	$33,090	$85,920	$18,382,918
10	120	$119,010	$32,936	$86,074	$18,296,844
11	121	$119,010	$32,782	$86,228	$18,210,616
11	122	$119,010	$32,627	$86,382	$18,124,234
11	123	$119,010	$32,473	$86,537	$18,037,696
11	124	$119,010	$32,318	$86,692	$17,951,004
11	125	$119,010	$32,162	$86,848	$17,864,157
11	126	$119,010	$32,007	$87,003	$17,777,153
11	127	$119,010	$31,851	$87,159	$17,689,994
11	128	$119,010	$31,695	$87,315	$17,602,679
11	129	$119,010	$31,538	$87,472	$17,515,207
11	130	$119,010	$31,381	$87,628	$17,427,579
11	131	$119,010	$31,224	$87,785	$17,339,794
11	132	$119,010	$31,067	$87,943	$17,251,851
12	133	$119,010	$30,910	$88,100	$17,163,751
12	134	$119,010	$30,752	$88,258	$17,075,493
12	135	$119,010	$30,594	$88,416	$16,987,077
12	136	$119,010	$30,435	$88,575	$16,898,502
12	137	$119,010	$30,276	$88,733	$16,809,769
12	138	$119,010	$30,118	$88,892	$16,720,876
12	139	$119,010	$29,958	$89,052	$16,631,825
12	140	$119,010	$29,799	$89,211	$16,542,614
12	141	$119,010	$29,639	$89,371	$16,453,243
12	142	$119,010	$29,479	$89,531	$16,363,712
12	143	$119,010	$29,318	$89,691	$16,274,020
12	144	$119,010	$29,158	$89,852	$16,184,168
13	145	$119,010	$28,997	$90,013	$16,094,155
13	146	$119,010	$28,835	$90,174	$16,003,980
13	147	$119,010	$28,674	$90,336	$15,913,644
13	148	$119,010	$28,512	$90,498	$15,823,147
13	149	$119,010	$28,350	$90,660	$15,732,487
13	150	$119,010	$28,187	$90,822	$15,641,664
13	151	$119,010	$28,025	$90,985	$15,550,679
13	152	$119,010	$27,862	$91,148	$15,459,531
13	153	$119,010	$27,698	$91,311	$15,368,219
13	154	$119,010	$27,535	$91,475	$15,276,744
13	155	$119,010	$27,371	$91,639	$15,185,105
13	156	$119,010	$27,207	$91,803	$15,093,302
14	157	$119,010	$27,042	$91,968	$15,001,335
14	158	$119,010	$26,877	$92,132	$14,909,202
14	159	$119,010	$26,712	$92,297	$14,816,905
14	160	$119,010	$26,547	$92,463	$14,724,442
14	161	$119,010	$26,381	$92,629	$14,631,813
14	162	$119,010	$26,215	$92,794	$14,539,019
14	163	$119,010	$26,049	$92,961	$14,446,058
14	164	$119,010	$25,883	$93,127	$14,352,931
14	165	$119,010	$25,716	$93,294	$14,259,637
14	166	$119,010	$25,549	$93,461	$14,166,175
14	167	$119,010	$25,381	$93,629	$14,072,547
14	168	$119,010	$25,213	$93,796	$13,978,750
15	169	$119,010	$25,045	$93,965	$13,884,786
15	170	$119,010	$24,877	$94,133	$13,790,653
15	171	$119,010	$24,708	$94,302	$13,696,351
15	172	$119,010	$24,539	$94,470	$13,601,881
15	173	$119,010	$24,370	$94,640	$13,507,241
15	174	$119,010	$24,200	$94,809	$13,412,432
15	175	$119,010	$24,031	$94,979	$13,317,453
15	176	$119,010	$23,860	$95,149	$13,222,303
15	177	$119,010	$23,690	$95,320	$13,126,983
15	178	$119,010	$23,519	$95,491	$13,031,493
15	179	$119,010	$23,348	$95,662	$12,935,831
15	180	$119,010	$23,177	$95,833	$12,839,998
16	181	$119,010	$23,005	$96,005	$12,743,993
16	182	$119,010	$22,833	$96,177	$12,647,816
16	183	$119,010	$22,661	$96,349	$12,551,467
16	184	$119,010	$22,488	$96,522	$12,454,945
16	185	$119,010	$22,315	$96,695	$12,358,251
16	186	$119,010	$22,142	$96,868	$12,261,383
16	187	$119,010	$21,968	$97,041	$12,164,341
16	188	$119,010	$21,794	$97,215	$12,067,126
16	189	$119,010	$21,620	$97,390	$11,969,736
16	190	$119,010	$21,446	$97,564	$11,872,172
16	191	$119,010	$21,271	$97,739	$11,774,434
16	192	$119,010	$21,096	$97,914	$11,676,520
17	193	$119,010	$20,920	$98,089	$11,578,430
17	194	$119,010	$20,745	$98,265	$11,480,165
17	195	$119,010	$20,569	$98,441	$11,381,724
17	196	$119,010	$20,392	$98,618	$11,283,107
17	197	$119,010	$20,216	$98,794	$11,184,312
17	198	$119,010	$20,039	$98,971	$11,085,341
17	199	$119,010	$19,861	$99,149	$10,986,193
17	200	$119,010	$19,684	$99,326	$10,886,866
17	201	$119,010	$19,506	$99,504	$10,787,362
17	202	$119,010	$19,327	$99,682	$10,687,680
17	203	$119,010	$19,149	$99,861	$10,587,819
17	204	$119,010	$18,970	$100,040	$10,487,779
18	205	$119,010	$18,791	$100,219	$10,387,560
18	206	$119,010	$18,611	$100,399	$10,287,161
18	207	$119,010	$18,431	$100,579	$10,186,582
18	208	$119,010	$18,251	$100,759	$10,085,823
18	209	$119,010	$18,070	$100,939	$9,984,884
18	210	$119,010	$17,890	$101,120	$9,883,764
18	211	$119,010	$17,708	$101,301	$9,782,462
18	212	$119,010	$17,527	$101,483	$9,680,979
18	213	$119,010	$17,345	$101,665	$9,579,315
18	214	$119,010	$17,163	$101,847	$9,477,468
18	215	$119,010	$16,980	$102,029	$9,375,439
18	216	$119,010	$16,798	$102,212	$9,273,226
19	217	$119,010	$16,615	$102,395	$9,170,831
19	218	$119,010	$16,431	$102,579	$9,068,252
19	219	$119,010	$16,247	$102,763	$8,965,490
19	220	$119,010	$16,063	$102,947	$8,862,543
19	221	$119,010	$15,879	$103,131	$8,759,412
19	222	$119,010	$15,694	$103,316	$8,656,096
19	223	$119,010	$15,509	$103,501	$8,552,595
19	224	$119,010	$15,323	$103,686	$8,448,909
19	225	$119,010	$15,138	$103,872	$8,345,037
19	226	$119,010	$14,952	$104,058	$8,240,979
19	227	$119,010	$14,765	$104,245	$8,136,734
19	228	$119,010	$14,578	$104,431	$8,032,302
20	229	$119,010	$14,391	$104,619	$7,927,684
20	230	$119,010	$14,204	$104,806	$7,822,878
20	231	$119,010	$14,016	$104,994	$7,717,884
20	232	$119,010	$13,828	$105,182	$7,612,702
20	233	$119,010	$13,639	$105,370	$7,507,332
20	234	$119,010	$13,451	$105,559	$7,401,773
20	235	$119,010	$13,262	$105,748	$7,296,024
20	236	$119,010	$13,072	$105,938	$7,190,087
20	237	$119,010	$12,882	$106,128	$7,083,959
20	238	$119,010	$12,692	$106,318	$6,977,641
20	239	$119,010	$12,502	$106,508	$6,871,133
20	240	$119,010	$12,311	$106,699	$6,764,434
21	241	$119,010	$12,120	$106,890	$6,657,544
21	242	$119,010	$11,928	$107,082	$6,550,462
21	243	$119,010	$11,736	$107,274	$6,443,189
21	244	$119,010	$11,544	$107,466	$6,335,723
21	245	$119,010	$11,352	$107,658	$6,228,065
21	246	$119,010	$11,159	$107,851	$6,120,213
21	247	$119,010	$10,965	$108,044	$6,012,169
21	248	$119,010	$10,772	$108,238	$5,903,931
21	249	$119,010	$10,578	$108,432	$5,795,499
21	250	$119,010	$10,384	$108,626	$5,686,873
21	251	$119,010	$10,189	$108,821	$5,578,052
21	252	$119,010	$9,994	$109,016	$5,469,036
22	253	$119,010	$9,799	$109,211	$5,359,825
22	254	$119,010	$9,603	$109,407	$5,250,418
22	255	$119,010	$9,407	$109,603	$5,140,816
22	256	$119,010	$9,211	$109,799	$5,031,017
22	257	$119,010	$9,014	$109,996	$4,921,021
22	258	$119,010	$8,817	$110,193	$4,810,828
22	259	$119,010	$8,619	$110,390	$4,700,437
22	260	$119,010	$8,422	$110,588	$4,589,849
22	261	$119,010	$8,223	$110,786	$4,479,063
22	262	$119,010	$8,025	$110,985	$4,368,078
22	263	$119,010	$7,826	$111,184	$4,256,894
22	264	$119,010	$7,627	$111,383	$4,145,511
23	265	$119,010	$7,427	$111,582	$4,033,929
23	266	$119,010	$7,227	$111,782	$3,922,147
23	267	$119,010	$7,027	$111,983	$3,810,164
23	268	$119,010	$6,827	$112,183	$3,697,981
23	269	$119,010	$6,626	$112,384	$3,585,597
23	270	$119,010	$6,424	$112,586	$3,473,011
23	271	$119,010	$6,222	$112,787	$3,360,224
23	272	$119,010	$6,020	$112,989	$3,247,234
23	273	$119,010	$5,818	$113,192	$3,134,042
23	274	$119,010	$5,615	$113,395	$3,020,648
23	275	$119,010	$5,412	$113,598	$2,907,050
23	276	$119,010	$5,208	$113,801	$2,793,249
24	277	$119,010	$5,005	$114,005	$2,679,243
24	278	$119,010	$4,800	$114,209	$2,565,034
24	279	$119,010	$4,596	$114,414	$2,450,620
24	280	$119,010	$4,391	$114,619	$2,336,001
24	281	$119,010	$4,185	$114,824	$2,221,176
24	282	$119,010	$3,980	$115,030	$2,106,146
24	283	$119,010	$3,774	$115,236	$1,990,910
24	284	$119,010	$3,567	$115,443	$1,875,467
24	285	$119,010	$3,360	$115,650	$1,759,818
24	286	$119,010	$3,153	$115,857	$1,643,961
24	287	$119,010	$2,945	$116,064	$1,527,896
24	288	$119,010	$2,737	$116,272	$1,411,624
25	289	$119,010	$2,529	$116,481	$1,295,143
25	290	$119,010	$2,320	$116,689	$1,178,454
25	291	$119,010	$2,111	$116,898	$1,061,556
25	292	$119,010	$1,902	$117,108	$944,448
25	293	$119,010	$1,692	$117,318	$827,130
25	294	$119,010	$1,482	$117,528	$709,602
25	295	$119,010	$1,271	$117,738	$591,864
25	296	$119,010	$1,060	$117,949	$473,915
25	297	$119,010	$849	$118,161	$355,754
25	298	$119,010	$637	$118,372	$237,381
25	299	$119,010	$425	$118,584	$118,797
25	300	$119,010	$213	$118,797	$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$ 18,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 18,860,000

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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.