Century 21 Centaland Property

Down Payment (HKD)

$17,600,000

Monthly Repayment (HKD)

$113,835

Loan Amount (HKD)

$26,400,000

Total Interest (HKD)

$7,750,637

Total Repayment (HKD)

$34,150,637

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$113,835	$47,300	$66,535	$26,333,465
1	2	$113,835	$47,181	$66,655	$26,266,810
1	3	$113,835	$47,061	$66,774	$26,200,036
1	4	$113,835	$46,942	$66,894	$26,133,142
1	5	$113,835	$46,822	$67,014	$26,066,128
1	6	$113,835	$46,702	$67,134	$25,998,995
1	7	$113,835	$46,582	$67,254	$25,931,741
1	8	$113,835	$46,461	$67,374	$25,864,367
1	9	$113,835	$46,340	$67,495	$25,796,871
1	10	$113,835	$46,219	$67,616	$25,729,255
1	11	$113,835	$46,098	$67,737	$25,661,518
1	12	$113,835	$45,977	$67,859	$25,593,660
2	13	$113,835	$45,855	$67,980	$25,525,679
2	14	$113,835	$45,734	$68,102	$25,457,577
2	15	$113,835	$45,611	$68,224	$25,389,353
2	16	$113,835	$45,489	$68,346	$25,321,007
2	17	$113,835	$45,367	$68,469	$25,252,539
2	18	$113,835	$45,244	$68,591	$25,183,947
2	19	$113,835	$45,121	$68,714	$25,115,233
2	20	$113,835	$44,998	$68,837	$25,046,396
2	21	$113,835	$44,875	$68,961	$24,977,435
2	22	$113,835	$44,751	$69,084	$24,908,351
2	23	$113,835	$44,627	$69,208	$24,839,143
2	24	$113,835	$44,503	$69,332	$24,769,811
3	25	$113,835	$44,379	$69,456	$24,700,355
3	26	$113,835	$44,255	$69,581	$24,630,774
3	27	$113,835	$44,130	$69,705	$24,561,069
3	28	$113,835	$44,005	$69,830	$24,491,239
3	29	$113,835	$43,880	$69,955	$24,421,283
3	30	$113,835	$43,755	$70,081	$24,351,203
3	31	$113,835	$43,629	$70,206	$24,280,996
3	32	$113,835	$43,503	$70,332	$24,210,664
3	33	$113,835	$43,377	$70,458	$24,140,206
3	34	$113,835	$43,251	$70,584	$24,069,622
3	35	$113,835	$43,125	$70,711	$23,998,911
3	36	$113,835	$42,998	$70,837	$23,928,074
4	37	$113,835	$42,871	$70,964	$23,857,110
4	38	$113,835	$42,744	$71,091	$23,786,018
4	39	$113,835	$42,617	$71,219	$23,714,799
4	40	$113,835	$42,489	$71,346	$23,643,453
4	41	$113,835	$42,361	$71,474	$23,571,979
4	42	$113,835	$42,233	$71,602	$23,500,376
4	43	$113,835	$42,105	$71,731	$23,428,646
4	44	$113,835	$41,976	$71,859	$23,356,787
4	45	$113,835	$41,848	$71,988	$23,284,799
4	46	$113,835	$41,719	$72,117	$23,212,682
4	47	$113,835	$41,589	$72,246	$23,140,436
4	48	$113,835	$41,460	$72,376	$23,068,060
5	49	$113,835	$41,330	$72,505	$22,995,555
5	50	$113,835	$41,200	$72,635	$22,922,920
5	51	$113,835	$41,070	$72,765	$22,850,155
5	52	$113,835	$40,940	$72,896	$22,777,259
5	53	$113,835	$40,809	$73,026	$22,704,233
5	54	$113,835	$40,678	$73,157	$22,631,076
5	55	$113,835	$40,547	$73,288	$22,557,788
5	56	$113,835	$40,416	$73,419	$22,484,368
5	57	$113,835	$40,284	$73,551	$22,410,817
5	58	$113,835	$40,153	$73,683	$22,337,135
5	59	$113,835	$40,021	$73,815	$22,263,320
5	60	$113,835	$39,888	$73,947	$22,189,373
6	61	$113,835	$39,756	$74,079	$22,115,293
6	62	$113,835	$39,623	$74,212	$22,041,081
6	63	$113,835	$39,490	$74,345	$21,966,736
6	64	$113,835	$39,357	$74,478	$21,892,258
6	65	$113,835	$39,224	$74,612	$21,817,646
6	66	$113,835	$39,090	$74,746	$21,742,900
6	67	$113,835	$38,956	$74,879	$21,668,021
6	68	$113,835	$38,822	$75,014	$21,593,007
6	69	$113,835	$38,687	$75,148	$21,517,859
6	70	$113,835	$38,553	$75,283	$21,442,577
6	71	$113,835	$38,418	$75,418	$21,367,159
6	72	$113,835	$38,283	$75,553	$21,291,607
7	73	$113,835	$38,147	$75,688	$21,215,919
7	74	$113,835	$38,012	$75,824	$21,140,095
7	75	$113,835	$37,876	$75,959	$21,064,135
7	76	$113,835	$37,740	$76,096	$20,988,040
7	77	$113,835	$37,604	$76,232	$20,911,808
7	78	$113,835	$37,467	$76,368	$20,835,440
7	79	$113,835	$37,330	$76,505	$20,758,934
7	80	$113,835	$37,193	$76,642	$20,682,292
7	81	$113,835	$37,056	$76,780	$20,605,512
7	82	$113,835	$36,918	$76,917	$20,528,595
7	83	$113,835	$36,780	$77,055	$20,451,540
7	84	$113,835	$36,642	$77,193	$20,374,347
8	85	$113,835	$36,504	$77,331	$20,297,015
8	86	$113,835	$36,365	$77,470	$20,219,545
8	87	$113,835	$36,227	$77,609	$20,141,937
8	88	$113,835	$36,088	$77,748	$20,064,189
8	89	$113,835	$35,948	$77,887	$19,986,302
8	90	$113,835	$35,809	$78,027	$19,908,275
8	91	$113,835	$35,669	$78,166	$19,830,109
8	92	$113,835	$35,529	$78,307	$19,751,802
8	93	$113,835	$35,389	$78,447	$19,673,355
8	94	$113,835	$35,248	$78,587	$19,594,768
8	95	$113,835	$35,107	$78,728	$19,516,040
8	96	$113,835	$34,966	$78,869	$19,437,171
9	97	$113,835	$34,825	$79,011	$19,358,160
9	98	$113,835	$34,683	$79,152	$19,279,008
9	99	$113,835	$34,542	$79,294	$19,199,714
9	100	$113,835	$34,399	$79,436	$19,120,278
9	101	$113,835	$34,257	$79,578	$19,040,700
9	102	$113,835	$34,115	$79,721	$18,960,979
9	103	$113,835	$33,972	$79,864	$18,881,115
9	104	$113,835	$33,829	$80,007	$18,801,108
9	105	$113,835	$33,685	$80,150	$18,720,958
9	106	$113,835	$33,542	$80,294	$18,640,665
9	107	$113,835	$33,398	$80,438	$18,560,227
9	108	$113,835	$33,254	$80,582	$18,479,645
10	109	$113,835	$33,109	$80,726	$18,398,919
10	110	$113,835	$32,965	$80,871	$18,318,048
10	111	$113,835	$32,820	$81,016	$18,237,033
10	112	$113,835	$32,675	$81,161	$18,155,872
10	113	$113,835	$32,529	$81,306	$18,074,566
10	114	$113,835	$32,384	$81,452	$17,993,114
10	115	$113,835	$32,238	$81,598	$17,911,516
10	116	$113,835	$32,091	$81,744	$17,829,772
10	117	$113,835	$31,945	$81,890	$17,747,882
10	118	$113,835	$31,798	$82,037	$17,665,845
10	119	$113,835	$31,651	$82,184	$17,583,660
10	120	$113,835	$31,504	$82,331	$17,501,329
11	121	$113,835	$31,357	$82,479	$17,418,850
11	122	$113,835	$31,209	$82,627	$17,336,223
11	123	$113,835	$31,061	$82,775	$17,253,449
11	124	$113,835	$30,912	$82,923	$17,170,526
11	125	$113,835	$30,764	$83,072	$17,087,454
11	126	$113,835	$30,615	$83,220	$17,004,234
11	127	$113,835	$30,466	$83,370	$16,920,864
11	128	$113,835	$30,317	$83,519	$16,837,345
11	129	$113,835	$30,167	$83,669	$16,753,677
11	130	$113,835	$30,017	$83,818	$16,669,858
11	131	$113,835	$29,867	$83,969	$16,585,890
11	132	$113,835	$29,716	$84,119	$16,501,771
12	133	$113,835	$29,566	$84,270	$16,417,501
12	134	$113,835	$29,415	$84,421	$16,333,080
12	135	$113,835	$29,263	$84,572	$16,248,508
12	136	$113,835	$29,112	$84,724	$16,163,784
12	137	$113,835	$28,960	$84,875	$16,078,909
12	138	$113,835	$28,808	$85,027	$15,993,882
12	139	$113,835	$28,656	$85,180	$15,908,702
12	140	$113,835	$28,503	$85,332	$15,823,370
12	141	$113,835	$28,350	$85,485	$15,737,884
12	142	$113,835	$28,197	$85,638	$15,652,246
12	143	$113,835	$28,044	$85,792	$15,566,454
12	144	$113,835	$27,890	$85,946	$15,480,508
13	145	$113,835	$27,736	$86,100	$15,394,409
13	146	$113,835	$27,582	$86,254	$15,308,155
13	147	$113,835	$27,427	$86,408	$15,221,747
13	148	$113,835	$27,272	$86,563	$15,135,184
13	149	$113,835	$27,117	$86,718	$15,048,465
13	150	$113,835	$26,962	$86,874	$14,961,592
13	151	$113,835	$26,806	$87,029	$14,874,562
13	152	$113,835	$26,650	$87,185	$14,787,377
13	153	$113,835	$26,494	$87,341	$14,700,036
13	154	$113,835	$26,338	$87,498	$14,612,538
13	155	$113,835	$26,181	$87,655	$14,524,883
13	156	$113,835	$26,024	$87,812	$14,437,072
14	157	$113,835	$25,866	$87,969	$14,349,103
14	158	$113,835	$25,709	$88,127	$14,260,976
14	159	$113,835	$25,551	$88,285	$14,172,691
14	160	$113,835	$25,393	$88,443	$14,084,249
14	161	$113,835	$25,234	$88,601	$13,995,648
14	162	$113,835	$25,076	$88,760	$13,906,888
14	163	$113,835	$24,917	$88,919	$13,817,969
14	164	$113,835	$24,757	$89,078	$13,728,890
14	165	$113,835	$24,598	$89,238	$13,639,653
14	166	$113,835	$24,438	$89,398	$13,550,255
14	167	$113,835	$24,278	$89,558	$13,460,697
14	168	$113,835	$24,117	$89,718	$13,370,979
15	169	$113,835	$23,956	$89,879	$13,281,099
15	170	$113,835	$23,795	$90,040	$13,191,059
15	171	$113,835	$23,634	$90,201	$13,100,858
15	172	$113,835	$23,472	$90,363	$13,010,495
15	173	$113,835	$23,310	$90,525	$12,919,970
15	174	$113,835	$23,148	$90,687	$12,829,283
15	175	$113,835	$22,986	$90,850	$12,738,433
15	176	$113,835	$22,823	$91,012	$12,647,420
15	177	$113,835	$22,660	$91,175	$12,556,245
15	178	$113,835	$22,497	$91,339	$12,464,906
15	179	$113,835	$22,333	$91,502	$12,373,404
15	180	$113,835	$22,169	$91,666	$12,281,737
16	181	$113,835	$22,005	$91,831	$12,189,906
16	182	$113,835	$21,840	$91,995	$12,097,911
16	183	$113,835	$21,675	$92,160	$12,005,751
16	184	$113,835	$21,510	$92,325	$11,913,426
16	185	$113,835	$21,345	$92,491	$11,820,936
16	186	$113,835	$21,179	$92,656	$11,728,279
16	187	$113,835	$21,013	$92,822	$11,635,457
16	188	$113,835	$20,847	$92,989	$11,542,468
16	189	$113,835	$20,680	$93,155	$11,449,313
16	190	$113,835	$20,513	$93,322	$11,355,991
16	191	$113,835	$20,346	$93,489	$11,262,502
16	192	$113,835	$20,179	$93,657	$11,168,845
17	193	$113,835	$20,011	$93,825	$11,075,020
17	194	$113,835	$19,843	$93,993	$10,981,028
17	195	$113,835	$19,674	$94,161	$10,886,867
17	196	$113,835	$19,506	$94,330	$10,792,537
17	197	$113,835	$19,337	$94,499	$10,698,038
17	198	$113,835	$19,167	$94,668	$10,603,370
17	199	$113,835	$18,998	$94,838	$10,508,532
17	200	$113,835	$18,828	$95,008	$10,413,524
17	201	$113,835	$18,658	$95,178	$10,318,346
17	202	$113,835	$18,487	$95,348	$10,222,998
17	203	$113,835	$18,316	$95,519	$10,127,479
17	204	$113,835	$18,145	$95,690	$10,031,788
18	205	$113,835	$17,974	$95,862	$9,935,927
18	206	$113,835	$17,802	$96,034	$9,839,893
18	207	$113,835	$17,630	$96,206	$9,743,687
18	208	$113,835	$17,457	$96,378	$9,647,309
18	209	$113,835	$17,285	$96,551	$9,550,759
18	210	$113,835	$17,112	$96,724	$9,454,035
18	211	$113,835	$16,938	$96,897	$9,357,138
18	212	$113,835	$16,765	$97,071	$9,260,067
18	213	$113,835	$16,591	$97,245	$9,162,823
18	214	$113,835	$16,417	$97,419	$9,065,404
18	215	$113,835	$16,242	$97,593	$8,967,811
18	216	$113,835	$16,067	$97,768	$8,870,043
19	217	$113,835	$15,892	$97,943	$8,772,099
19	218	$113,835	$15,717	$98,119	$8,673,981
19	219	$113,835	$15,541	$98,295	$8,575,686
19	220	$113,835	$15,365	$98,471	$8,477,215
19	221	$113,835	$15,188	$98,647	$8,378,568
19	222	$113,835	$15,012	$98,824	$8,279,744
19	223	$113,835	$14,835	$99,001	$8,180,743
19	224	$113,835	$14,657	$99,178	$8,081,565
19	225	$113,835	$14,479	$99,356	$7,982,209
19	226	$113,835	$14,301	$99,534	$7,882,675
19	227	$113,835	$14,123	$99,712	$7,782,963
19	228	$113,835	$13,944	$99,891	$7,683,072
20	229	$113,835	$13,766	$100,070	$7,583,002
20	230	$113,835	$13,586	$100,249	$7,482,753
20	231	$113,835	$13,407	$100,429	$7,382,324
20	232	$113,835	$13,227	$100,609	$7,281,715
20	233	$113,835	$13,046	$100,789	$7,180,926
20	234	$113,835	$12,866	$100,970	$7,079,956
20	235	$113,835	$12,685	$101,151	$6,978,806
20	236	$113,835	$12,504	$101,332	$6,877,474
20	237	$113,835	$12,322	$101,513	$6,775,961
20	238	$113,835	$12,140	$101,695	$6,674,266
20	239	$113,835	$11,958	$101,877	$6,572,388
20	240	$113,835	$11,776	$102,060	$6,470,328
21	241	$113,835	$11,593	$102,243	$6,368,085
21	242	$113,835	$11,409	$102,426	$6,265,660
21	243	$113,835	$11,226	$102,609	$6,163,050
21	244	$113,835	$11,042	$102,793	$6,060,257
21	245	$113,835	$10,858	$102,977	$5,957,279
21	246	$113,835	$10,673	$103,162	$5,854,117
21	247	$113,835	$10,489	$103,347	$5,750,770
21	248	$113,835	$10,303	$103,532	$5,647,238
21	249	$113,835	$10,118	$103,717	$5,543,521
21	250	$113,835	$9,932	$103,903	$5,439,618
21	251	$113,835	$9,746	$104,089	$5,335,528
21	252	$113,835	$9,559	$104,276	$5,231,252
22	253	$113,835	$9,373	$104,463	$5,126,789
22	254	$113,835	$9,185	$104,650	$5,022,139
22	255	$113,835	$8,998	$104,837	$4,917,302
22	256	$113,835	$8,810	$105,025	$4,812,277
22	257	$113,835	$8,622	$105,213	$4,707,063
22	258	$113,835	$8,433	$105,402	$4,601,661
22	259	$113,835	$8,245	$105,591	$4,496,070
22	260	$113,835	$8,055	$105,780	$4,390,290
22	261	$113,835	$7,866	$105,970	$4,284,321
22	262	$113,835	$7,676	$106,159	$4,178,162
22	263	$113,835	$7,486	$106,350	$4,071,812
22	264	$113,835	$7,295	$106,540	$3,965,272
23	265	$113,835	$7,104	$106,731	$3,858,541
23	266	$113,835	$6,913	$106,922	$3,751,619
23	267	$113,835	$6,722	$107,114	$3,644,505
23	268	$113,835	$6,530	$107,306	$3,537,199
23	269	$113,835	$6,337	$107,498	$3,429,701
23	270	$113,835	$6,145	$107,691	$3,322,011
23	271	$113,835	$5,952	$107,884	$3,214,127
23	272	$113,835	$5,759	$108,077	$3,106,050
23	273	$113,835	$5,565	$108,270	$2,997,780
23	274	$113,835	$5,371	$108,464	$2,889,315
23	275	$113,835	$5,177	$108,659	$2,780,657
23	276	$113,835	$4,982	$108,853	$2,671,803
24	277	$113,835	$4,787	$109,048	$2,562,755
24	278	$113,835	$4,592	$109,244	$2,453,511
24	279	$113,835	$4,396	$109,440	$2,344,071
24	280	$113,835	$4,200	$109,636	$2,234,436
24	281	$113,835	$4,003	$109,832	$2,124,603
24	282	$113,835	$3,807	$110,029	$2,014,575
24	283	$113,835	$3,609	$110,226	$1,904,349
24	284	$113,835	$3,412	$110,423	$1,793,925
24	285	$113,835	$3,214	$110,621	$1,683,304
24	286	$113,835	$3,016	$110,820	$1,572,484
24	287	$113,835	$2,817	$111,018	$1,461,466
24	288	$113,835	$2,618	$111,217	$1,350,249
25	289	$113,835	$2,419	$111,416	$1,238,833
25	290	$113,835	$2,220	$111,616	$1,127,217
25	291	$113,835	$2,020	$111,816	$1,015,401
25	292	$113,835	$1,819	$112,016	$903,385
25	293	$113,835	$1,619	$112,217	$791,168
25	294	$113,835	$1,418	$112,418	$678,750
25	295	$113,835	$1,216	$112,619	$566,131
25	296	$113,835	$1,014	$112,821	$453,310
25	297	$113,835	$812	$113,023	$340,286
25	298	$113,835	$610	$113,226	$227,061
25	299	$113,835	$407	$113,429	$113,632
25	300	$113,835	$204	$113,632	$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$ 17,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 18,040,000

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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.