Century 21 Centaland Property

Down Payment (HKD)

$91,200,000

Monthly Repayment (HKD)

$589,875

Loan Amount (HKD)

$136,800,000

Total Interest (HKD)

$40,162,389

Total Repayment (HKD)

$176,962,389

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$589,875	$245,100	$344,775	$136,455,225
1	2	$589,875	$244,482	$345,392	$136,109,833
1	3	$589,875	$243,863	$346,011	$135,763,822
1	4	$589,875	$243,244	$346,631	$135,417,191
1	5	$589,875	$242,622	$347,252	$135,069,939
1	6	$589,875	$242,000	$347,874	$134,722,064
1	7	$589,875	$241,377	$348,498	$134,373,567
1	8	$589,875	$240,753	$349,122	$134,024,445
1	9	$589,875	$240,127	$349,748	$133,674,697
1	10	$589,875	$239,500	$350,374	$133,324,323
1	11	$589,875	$238,873	$351,002	$132,973,321
1	12	$589,875	$238,244	$351,631	$132,621,690
2	13	$589,875	$237,614	$352,261	$132,269,430
2	14	$589,875	$236,983	$352,892	$131,916,538
2	15	$589,875	$236,350	$353,524	$131,563,014
2	16	$589,875	$235,717	$354,158	$131,208,856
2	17	$589,875	$235,083	$354,792	$130,854,064
2	18	$589,875	$234,447	$355,428	$130,498,636
2	19	$589,875	$233,810	$356,065	$130,142,572
2	20	$589,875	$233,172	$356,703	$129,785,869
2	21	$589,875	$232,533	$357,342	$129,428,527
2	22	$589,875	$231,893	$357,982	$129,070,546
2	23	$589,875	$231,251	$358,623	$128,711,922
2	24	$589,875	$230,609	$359,266	$128,352,657
3	25	$589,875	$229,965	$359,909	$127,992,747
3	26	$589,875	$229,320	$360,554	$127,632,193
3	27	$589,875	$228,674	$361,200	$127,270,992
3	28	$589,875	$228,027	$361,847	$126,909,145
3	29	$589,875	$227,379	$362,496	$126,546,649
3	30	$589,875	$226,729	$363,145	$126,183,504
3	31	$589,875	$226,079	$363,796	$125,819,708
3	32	$589,875	$225,427	$364,448	$125,455,261
3	33	$589,875	$224,774	$365,101	$125,090,160
3	34	$589,875	$224,120	$365,755	$124,724,405
3	35	$589,875	$223,465	$366,410	$124,357,995
3	36	$589,875	$222,808	$367,067	$123,990,929
4	37	$589,875	$222,150	$367,724	$123,623,204
4	38	$589,875	$221,492	$368,383	$123,254,821
4	39	$589,875	$220,832	$369,043	$122,885,778
4	40	$589,875	$220,170	$369,704	$122,516,074
4	41	$589,875	$219,508	$370,367	$122,145,707
4	42	$589,875	$218,844	$371,030	$121,774,677
4	43	$589,875	$218,180	$371,695	$121,402,982
4	44	$589,875	$217,514	$372,361	$121,030,621
4	45	$589,875	$216,847	$373,028	$120,657,593
4	46	$589,875	$216,178	$373,696	$120,283,897
4	47	$589,875	$215,509	$374,366	$119,909,531
4	48	$589,875	$214,838	$375,037	$119,534,494
5	49	$589,875	$214,166	$375,709	$119,158,785
5	50	$589,875	$213,493	$376,382	$118,782,403
5	51	$589,875	$212,818	$377,056	$118,405,347
5	52	$589,875	$212,143	$377,732	$118,027,615
5	53	$589,875	$211,466	$378,408	$117,649,207
5	54	$589,875	$210,788	$379,086	$117,270,121
5	55	$589,875	$210,109	$379,766	$116,890,355
5	56	$589,875	$209,429	$380,446	$116,509,909
5	57	$589,875	$208,747	$381,128	$116,128,781
5	58	$589,875	$208,064	$381,811	$115,746,970
5	59	$589,875	$207,380	$382,495	$115,364,476
5	60	$589,875	$206,695	$383,180	$114,981,296
6	61	$589,875	$206,008	$383,866	$114,597,429
6	62	$589,875	$205,320	$384,554	$114,212,875
6	63	$589,875	$204,631	$385,243	$113,827,632
6	64	$589,875	$203,941	$385,933	$113,441,698
6	65	$589,875	$203,250	$386,625	$113,055,074
6	66	$589,875	$202,557	$387,318	$112,667,756
6	67	$589,875	$201,863	$388,012	$112,279,744
6	68	$589,875	$201,168	$388,707	$111,891,038
6	69	$589,875	$200,471	$389,403	$111,501,634
6	70	$589,875	$199,774	$390,101	$111,111,534
6	71	$589,875	$199,075	$390,800	$110,720,734
6	72	$589,875	$198,375	$391,500	$110,329,234
7	73	$589,875	$197,673	$392,201	$109,937,032
7	74	$589,875	$196,971	$392,904	$109,544,128
7	75	$589,875	$196,267	$393,608	$109,150,520
7	76	$589,875	$195,561	$394,313	$108,756,207
7	77	$589,875	$194,855	$395,020	$108,361,187
7	78	$589,875	$194,147	$395,728	$107,965,460
7	79	$589,875	$193,438	$396,437	$107,569,023
7	80	$589,875	$192,728	$397,147	$107,171,876
7	81	$589,875	$192,016	$397,858	$106,774,018
7	82	$589,875	$191,303	$398,571	$106,375,447
7	83	$589,875	$190,589	$399,285	$105,976,161
7	84	$589,875	$189,874	$400,001	$105,576,161
8	85	$589,875	$189,157	$400,717	$105,175,443
8	86	$589,875	$188,439	$401,435	$104,774,008
8	87	$589,875	$187,720	$402,155	$104,371,854
8	88	$589,875	$187,000	$402,875	$103,968,979
8	89	$589,875	$186,278	$403,597	$103,565,382
8	90	$589,875	$185,555	$404,320	$103,161,062
8	91	$589,875	$184,830	$405,044	$102,756,017
8	92	$589,875	$184,105	$405,770	$102,350,247
8	93	$589,875	$183,378	$406,497	$101,943,750
8	94	$589,875	$182,649	$407,225	$101,536,525
8	95	$589,875	$181,920	$407,955	$101,128,570
8	96	$589,875	$181,189	$408,686	$100,719,884
9	97	$589,875	$180,456	$409,418	$100,310,466
9	98	$589,875	$179,723	$410,152	$99,900,314
9	99	$589,875	$178,988	$410,887	$99,489,427
9	100	$589,875	$178,252	$411,623	$99,077,805
9	101	$589,875	$177,514	$412,360	$98,665,444
9	102	$589,875	$176,776	$413,099	$98,252,345
9	103	$589,875	$176,035	$413,839	$97,838,506
9	104	$589,875	$175,294	$414,581	$97,423,925
9	105	$589,875	$174,551	$415,323	$97,008,602
9	106	$589,875	$173,807	$416,068	$96,592,534
9	107	$589,875	$173,062	$416,813	$96,175,721
9	108	$589,875	$172,315	$417,560	$95,758,162
10	109	$589,875	$171,567	$418,308	$95,339,854
10	110	$589,875	$170,817	$419,057	$94,920,796
10	111	$589,875	$170,066	$419,808	$94,500,988
10	112	$589,875	$169,314	$420,560	$94,080,428
10	113	$589,875	$168,561	$421,314	$93,659,114
10	114	$589,875	$167,806	$422,069	$93,237,045
10	115	$589,875	$167,050	$422,825	$92,814,220
10	116	$589,875	$166,292	$423,582	$92,390,638
10	117	$589,875	$165,533	$424,341	$91,966,296
10	118	$589,875	$164,773	$425,102	$91,541,195
10	119	$589,875	$164,011	$425,863	$91,115,331
10	120	$589,875	$163,248	$426,626	$90,688,705
11	121	$589,875	$162,484	$427,391	$90,261,314
11	122	$589,875	$161,718	$428,156	$89,833,158
11	123	$589,875	$160,951	$428,924	$89,404,234
11	124	$589,875	$160,183	$429,692	$88,974,542
11	125	$589,875	$159,413	$430,462	$88,544,080
11	126	$589,875	$158,641	$431,233	$88,112,847
11	127	$589,875	$157,869	$432,006	$87,680,841
11	128	$589,875	$157,095	$432,780	$87,248,062
11	129	$589,875	$156,319	$433,555	$86,814,506
11	130	$589,875	$155,543	$434,332	$86,380,174
11	131	$589,875	$154,764	$435,110	$85,945,064
11	132	$589,875	$153,985	$435,890	$85,509,175
12	133	$589,875	$153,204	$436,671	$85,072,504
12	134	$589,875	$152,422	$437,453	$84,635,051
12	135	$589,875	$151,638	$438,237	$84,196,814
12	136	$589,875	$150,853	$439,022	$83,757,792
12	137	$589,875	$150,066	$439,809	$83,317,983
12	138	$589,875	$149,278	$440,597	$82,877,387
12	139	$589,875	$148,489	$441,386	$82,436,001
12	140	$589,875	$147,698	$442,177	$81,993,824
12	141	$589,875	$146,906	$442,969	$81,550,855
12	142	$589,875	$146,112	$443,763	$81,107,092
12	143	$589,875	$145,317	$444,558	$80,662,535
12	144	$589,875	$144,520	$445,354	$80,217,180
13	145	$589,875	$143,722	$446,152	$79,771,028
13	146	$589,875	$142,923	$446,952	$79,324,077
13	147	$589,875	$142,122	$447,752	$78,876,324
13	148	$589,875	$141,320	$448,555	$78,427,770
13	149	$589,875	$140,516	$449,358	$77,978,412
13	150	$589,875	$139,711	$450,163	$77,528,248
13	151	$589,875	$138,905	$450,970	$77,077,278
13	152	$589,875	$138,097	$451,778	$76,625,501
13	153	$589,875	$137,287	$452,587	$76,172,913
13	154	$589,875	$136,476	$453,398	$75,719,515
13	155	$589,875	$135,664	$454,211	$75,265,305
13	156	$589,875	$134,850	$455,024	$74,810,280
14	157	$589,875	$134,035	$455,840	$74,354,441
14	158	$589,875	$133,218	$456,656	$73,897,784
14	159	$589,875	$132,400	$457,474	$73,440,310
14	160	$589,875	$131,581	$458,294	$72,982,016
14	161	$589,875	$130,759	$459,115	$72,522,901
14	162	$589,875	$129,937	$459,938	$72,062,963
14	163	$589,875	$129,113	$460,762	$71,602,201
14	164	$589,875	$128,287	$461,587	$71,140,614
14	165	$589,875	$127,460	$462,414	$70,678,199
14	166	$589,875	$126,632	$463,243	$70,214,957
14	167	$589,875	$125,802	$464,073	$69,750,884
14	168	$589,875	$124,970	$464,904	$69,285,980
15	169	$589,875	$124,137	$465,737	$68,820,242
15	170	$589,875	$123,303	$466,572	$68,353,671
15	171	$589,875	$122,467	$467,408	$67,886,263
15	172	$589,875	$121,630	$468,245	$67,418,018
15	173	$589,875	$120,791	$469,084	$66,948,934
15	174	$589,875	$119,950	$469,924	$66,479,009
15	175	$589,875	$119,108	$470,766	$66,008,243
15	176	$589,875	$118,265	$471,610	$65,536,633
15	177	$589,875	$117,420	$472,455	$65,064,178
15	178	$589,875	$116,573	$473,301	$64,590,877
15	179	$589,875	$115,725	$474,149	$64,116,728
15	180	$589,875	$114,876	$474,999	$63,641,729
16	181	$589,875	$114,025	$475,850	$63,165,879
16	182	$589,875	$113,172	$476,702	$62,689,177
16	183	$589,875	$112,318	$477,557	$62,211,620
16	184	$589,875	$111,462	$478,412	$61,733,208
16	185	$589,875	$110,605	$479,269	$61,253,939
16	186	$589,875	$109,747	$480,128	$60,773,811
16	187	$589,875	$108,886	$480,988	$60,292,822
16	188	$589,875	$108,025	$481,850	$59,810,972
16	189	$589,875	$107,161	$482,713	$59,328,259
16	190	$589,875	$106,296	$483,578	$58,844,681
16	191	$589,875	$105,430	$484,445	$58,360,236
16	192	$589,875	$104,562	$485,313	$57,874,924
17	193	$589,875	$103,693	$486,182	$57,388,742
17	194	$589,875	$102,821	$487,053	$56,901,689
17	195	$589,875	$101,949	$487,926	$56,413,763
17	196	$589,875	$101,075	$488,800	$55,924,963
17	197	$589,875	$100,199	$489,676	$55,435,287
17	198	$589,875	$99,322	$490,553	$54,944,734
17	199	$589,875	$98,443	$491,432	$54,453,302
17	200	$589,875	$97,562	$492,312	$53,960,990
17	201	$589,875	$96,680	$493,195	$53,467,795
17	202	$589,875	$95,796	$494,078	$52,973,717
17	203	$589,875	$94,911	$494,963	$52,478,753
17	204	$589,875	$94,024	$495,850	$51,982,903
18	205	$589,875	$93,136	$496,739	$51,486,165
18	206	$589,875	$92,246	$497,629	$50,988,536
18	207	$589,875	$91,354	$498,520	$50,490,016
18	208	$589,875	$90,461	$499,413	$49,990,603
18	209	$589,875	$89,566	$500,308	$49,490,294
18	210	$589,875	$88,670	$501,205	$48,989,090
18	211	$589,875	$87,772	$502,103	$48,486,987
18	212	$589,875	$86,873	$503,002	$47,983,985
18	213	$589,875	$85,971	$503,903	$47,480,082
18	214	$589,875	$85,068	$504,806	$46,975,276
18	215	$589,875	$84,164	$505,711	$46,469,565
18	216	$589,875	$83,258	$506,617	$45,962,949
19	217	$589,875	$82,350	$507,524	$45,455,424
19	218	$589,875	$81,441	$508,434	$44,946,991
19	219	$589,875	$80,530	$509,345	$44,437,646
19	220	$589,875	$79,617	$510,257	$43,927,389
19	221	$589,875	$78,703	$511,171	$43,416,217
19	222	$589,875	$77,787	$512,087	$42,904,130
19	223	$589,875	$76,870	$513,005	$42,391,125
19	224	$589,875	$75,951	$513,924	$41,877,202
19	225	$589,875	$75,030	$514,845	$41,362,357
19	226	$589,875	$74,108	$515,767	$40,846,590
19	227	$589,875	$73,183	$516,691	$40,329,899
19	228	$589,875	$72,258	$517,617	$39,812,282
20	229	$589,875	$71,330	$518,544	$39,293,737
20	230	$589,875	$70,401	$519,473	$38,774,264
20	231	$589,875	$69,471	$520,404	$38,253,860
20	232	$589,875	$68,538	$521,336	$37,732,524
20	233	$589,875	$67,604	$522,271	$37,210,253
20	234	$589,875	$66,668	$523,206	$36,687,047
20	235	$589,875	$65,731	$524,144	$36,162,903
20	236	$589,875	$64,792	$525,083	$35,637,820
20	237	$589,875	$63,851	$526,024	$35,111,797
20	238	$589,875	$62,909	$526,966	$34,584,831
20	239	$589,875	$61,964	$527,910	$34,056,921
20	240	$589,875	$61,019	$528,856	$33,528,065
21	241	$589,875	$60,071	$529,804	$32,998,261
21	242	$589,875	$59,122	$530,753	$32,467,508
21	243	$589,875	$58,171	$531,704	$31,935,805
21	244	$589,875	$57,218	$532,656	$31,403,148
21	245	$589,875	$56,264	$533,611	$30,869,538
21	246	$589,875	$55,308	$534,567	$30,334,971
21	247	$589,875	$54,350	$535,524	$29,799,447
21	248	$589,875	$53,391	$536,484	$29,262,963
21	249	$589,875	$52,429	$537,445	$28,725,517
21	250	$589,875	$51,467	$538,408	$28,187,109
21	251	$589,875	$50,502	$539,373	$27,647,737
21	252	$589,875	$49,536	$540,339	$27,107,398
22	253	$589,875	$48,567	$541,307	$26,566,090
22	254	$589,875	$47,598	$542,277	$26,023,813
22	255	$589,875	$46,626	$543,249	$25,480,565
22	256	$589,875	$45,653	$544,222	$24,936,343
22	257	$589,875	$44,678	$545,197	$24,391,146
22	258	$589,875	$43,701	$546,174	$23,844,972
22	259	$589,875	$42,722	$547,152	$23,297,819
22	260	$589,875	$41,742	$548,133	$22,749,687
22	261	$589,875	$40,760	$549,115	$22,200,572
22	262	$589,875	$39,776	$550,099	$21,650,473
22	263	$589,875	$38,790	$551,084	$21,099,389
22	264	$589,875	$37,803	$552,072	$20,547,318
23	265	$589,875	$36,814	$553,061	$19,994,257
23	266	$589,875	$35,823	$554,052	$19,440,205
23	267	$589,875	$34,830	$555,044	$18,885,161
23	268	$589,875	$33,836	$556,039	$18,329,122
23	269	$589,875	$32,840	$557,035	$17,772,087
23	270	$589,875	$31,842	$558,033	$17,214,054
23	271	$589,875	$30,842	$559,033	$16,655,022
23	272	$589,875	$29,840	$560,034	$16,094,987
23	273	$589,875	$28,837	$561,038	$15,533,949
23	274	$589,875	$27,832	$562,043	$14,971,907
23	275	$589,875	$26,825	$563,050	$14,408,857
23	276	$589,875	$25,816	$564,059	$13,844,798
24	277	$589,875	$24,805	$565,069	$13,279,728
24	278	$589,875	$23,793	$566,082	$12,713,647
24	279	$589,875	$22,779	$567,096	$12,146,551
24	280	$589,875	$21,763	$568,112	$11,578,439
24	281	$589,875	$20,745	$569,130	$11,009,309
24	282	$589,875	$19,725	$570,150	$10,439,159
24	283	$589,875	$18,703	$571,171	$9,867,988
24	284	$589,875	$17,680	$572,194	$9,295,793
24	285	$589,875	$16,655	$573,220	$8,722,574
24	286	$589,875	$15,628	$574,247	$8,148,327
24	287	$589,875	$14,599	$575,276	$7,573,051
24	288	$589,875	$13,568	$576,306	$6,996,745
25	289	$589,875	$12,536	$577,339	$6,419,406
25	290	$589,875	$11,501	$578,373	$5,841,033
25	291	$589,875	$10,465	$579,409	$5,261,624
25	292	$589,875	$9,427	$580,448	$4,681,176
25	293	$589,875	$8,387	$581,488	$4,099,689
25	294	$589,875	$7,345	$582,529	$3,517,159
25	295	$589,875	$6,302	$583,573	$2,933,586
25	296	$589,875	$5,256	$584,619	$2,348,968
25	297	$589,875	$4,209	$585,666	$1,763,302
25	298	$589,875	$3,159	$586,715	$1,176,586
25	299	$589,875	$2,108	$587,767	$588,820
25	300	$589,875	$1,055	$588,820	$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$ 91,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 93,480,000

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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.