Century 21 Centaland Property

Down Payment (HKD)

$27,560,000

Monthly Repayment (HKD)

$178,256

Loan Amount (HKD)

$41,340,000

Total Interest (HKD)

$12,136,792

Total Repayment (HKD)

$53,476,792

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$178,256	$74,068	$104,188	$41,235,812
1	2	$178,256	$73,881	$104,375	$41,131,436
1	3	$178,256	$73,694	$104,562	$41,026,874
1	4	$178,256	$73,506	$104,749	$40,922,125
1	5	$178,256	$73,319	$104,937	$40,817,188
1	6	$178,256	$73,131	$105,125	$40,712,062
1	7	$178,256	$72,942	$105,314	$40,606,749
1	8	$178,256	$72,754	$105,502	$40,501,247
1	9	$178,256	$72,565	$105,691	$40,395,555
1	10	$178,256	$72,375	$105,881	$40,289,675
1	11	$178,256	$72,186	$106,070	$40,183,604
1	12	$178,256	$71,996	$106,260	$40,077,344
2	13	$178,256	$71,805	$106,451	$39,970,893
2	14	$178,256	$71,615	$106,641	$39,864,252
2	15	$178,256	$71,423	$106,833	$39,757,419
2	16	$178,256	$71,232	$107,024	$39,650,396
2	17	$178,256	$71,040	$107,216	$39,543,180
2	18	$178,256	$70,848	$107,408	$39,435,772
2	19	$178,256	$70,656	$107,600	$39,328,172
2	20	$178,256	$70,463	$107,793	$39,220,379
2	21	$178,256	$70,270	$107,986	$39,112,393
2	22	$178,256	$70,076	$108,180	$39,004,213
2	23	$178,256	$69,883	$108,373	$38,895,840
2	24	$178,256	$69,688	$108,568	$38,787,272
3	25	$178,256	$69,494	$108,762	$38,678,510
3	26	$178,256	$69,299	$108,957	$38,569,553
3	27	$178,256	$69,104	$109,152	$38,460,401
3	28	$178,256	$68,908	$109,348	$38,351,053
3	29	$178,256	$68,712	$109,544	$38,241,509
3	30	$178,256	$68,516	$109,740	$38,131,769
3	31	$178,256	$68,319	$109,937	$38,021,833
3	32	$178,256	$68,122	$110,134	$37,911,699
3	33	$178,256	$67,925	$110,331	$37,801,369
3	34	$178,256	$67,727	$110,529	$37,690,840
3	35	$178,256	$67,529	$110,727	$37,580,113
3	36	$178,256	$67,331	$110,925	$37,469,188
4	37	$178,256	$67,132	$111,124	$37,358,065
4	38	$178,256	$66,933	$111,323	$37,246,742
4	39	$178,256	$66,734	$111,522	$37,135,220
4	40	$178,256	$66,534	$111,722	$37,023,498
4	41	$178,256	$66,334	$111,922	$36,911,576
4	42	$178,256	$66,133	$112,123	$36,799,453
4	43	$178,256	$65,932	$112,324	$36,687,129
4	44	$178,256	$65,731	$112,525	$36,574,604
4	45	$178,256	$65,529	$112,726	$36,461,878
4	46	$178,256	$65,328	$112,928	$36,348,949
4	47	$178,256	$65,125	$113,131	$36,235,819
4	48	$178,256	$64,923	$113,333	$36,122,485
5	49	$178,256	$64,719	$113,537	$36,008,949
5	50	$178,256	$64,516	$113,740	$35,895,209
5	51	$178,256	$64,312	$113,944	$35,781,265
5	52	$178,256	$64,108	$114,148	$35,667,117
5	53	$178,256	$63,904	$114,352	$35,552,765
5	54	$178,256	$63,699	$114,557	$35,438,207
5	55	$178,256	$63,493	$114,763	$35,323,445
5	56	$178,256	$63,288	$114,968	$35,208,477
5	57	$178,256	$63,082	$115,174	$35,093,303
5	58	$178,256	$62,876	$115,380	$34,977,922
5	59	$178,256	$62,669	$115,587	$34,862,335
5	60	$178,256	$62,462	$115,794	$34,746,541
6	61	$178,256	$62,254	$116,002	$34,630,539
6	62	$178,256	$62,046	$116,210	$34,514,329
6	63	$178,256	$61,838	$116,418	$34,397,912
6	64	$178,256	$61,630	$116,626	$34,281,285
6	65	$178,256	$61,421	$116,835	$34,164,450
6	66	$178,256	$61,211	$117,045	$34,047,405
6	67	$178,256	$61,002	$117,254	$33,930,151
6	68	$178,256	$60,792	$117,464	$33,812,686
6	69	$178,256	$60,581	$117,675	$33,695,011
6	70	$178,256	$60,370	$117,886	$33,577,126
6	71	$178,256	$60,159	$118,097	$33,459,029
6	72	$178,256	$59,947	$118,309	$33,340,720
7	73	$178,256	$59,735	$118,521	$33,222,200
7	74	$178,256	$59,523	$118,733	$33,103,467
7	75	$178,256	$59,310	$118,946	$32,984,521
7	76	$178,256	$59,097	$119,159	$32,865,363
7	77	$178,256	$58,884	$119,372	$32,745,990
7	78	$178,256	$58,670	$119,586	$32,626,404
7	79	$178,256	$58,456	$119,800	$32,506,604
7	80	$178,256	$58,241	$120,015	$32,386,589
7	81	$178,256	$58,026	$120,230	$32,266,359
7	82	$178,256	$57,811	$120,445	$32,145,914
7	83	$178,256	$57,595	$120,661	$32,025,252
7	84	$178,256	$57,379	$120,877	$31,904,375
8	85	$178,256	$57,162	$121,094	$31,783,281
8	86	$178,256	$56,945	$121,311	$31,661,970
8	87	$178,256	$56,728	$121,528	$31,540,442
8	88	$178,256	$56,510	$121,746	$31,418,696
8	89	$178,256	$56,292	$121,964	$31,296,732
8	90	$178,256	$56,073	$122,183	$31,174,549
8	91	$178,256	$55,854	$122,402	$31,052,147
8	92	$178,256	$55,635	$122,621	$30,929,526
8	93	$178,256	$55,415	$122,841	$30,806,686
8	94	$178,256	$55,195	$123,061	$30,683,625
8	95	$178,256	$54,975	$123,281	$30,560,344
8	96	$178,256	$54,754	$123,502	$30,436,842
9	97	$178,256	$54,533	$123,723	$30,313,119
9	98	$178,256	$54,311	$123,945	$30,189,174
9	99	$178,256	$54,089	$124,167	$30,065,007
9	100	$178,256	$53,866	$124,390	$29,940,617
9	101	$178,256	$53,644	$124,612	$29,816,005
9	102	$178,256	$53,420	$124,836	$29,691,169
9	103	$178,256	$53,197	$125,059	$29,566,110
9	104	$178,256	$52,973	$125,283	$29,440,827
9	105	$178,256	$52,748	$125,508	$29,315,319
9	106	$178,256	$52,523	$125,733	$29,189,586
9	107	$178,256	$52,298	$125,958	$29,063,628
9	108	$178,256	$52,072	$126,184	$28,937,444
10	109	$178,256	$51,846	$126,410	$28,811,035
10	110	$178,256	$51,620	$126,636	$28,684,399
10	111	$178,256	$51,393	$126,863	$28,557,535
10	112	$178,256	$51,166	$127,090	$28,430,445
10	113	$178,256	$50,938	$127,318	$28,303,127
10	114	$178,256	$50,710	$127,546	$28,175,581
10	115	$178,256	$50,481	$127,775	$28,047,806
10	116	$178,256	$50,252	$128,004	$27,919,802
10	117	$178,256	$50,023	$128,233	$27,791,569
10	118	$178,256	$49,793	$128,463	$27,663,107
10	119	$178,256	$49,563	$128,693	$27,534,414
10	120	$178,256	$49,332	$128,923	$27,405,490
11	121	$178,256	$49,102	$129,154	$27,276,336
11	122	$178,256	$48,870	$129,386	$27,146,950
11	123	$178,256	$48,638	$129,618	$27,017,332
11	124	$178,256	$48,406	$129,850	$26,887,482
11	125	$178,256	$48,173	$130,083	$26,757,400
11	126	$178,256	$47,940	$130,316	$26,627,084
11	127	$178,256	$47,707	$130,549	$26,496,535
11	128	$178,256	$47,473	$130,783	$26,365,752
11	129	$178,256	$47,239	$131,017	$26,234,735
11	130	$178,256	$47,004	$131,252	$26,103,483
11	131	$178,256	$46,769	$131,487	$25,971,995
11	132	$178,256	$46,533	$131,723	$25,840,273
12	133	$178,256	$46,297	$131,959	$25,708,314
12	134	$178,256	$46,061	$132,195	$25,576,118
12	135	$178,256	$45,824	$132,432	$25,443,686
12	136	$178,256	$45,587	$132,669	$25,311,017
12	137	$178,256	$45,349	$132,907	$25,178,110
12	138	$178,256	$45,111	$133,145	$25,044,965
12	139	$178,256	$44,872	$133,384	$24,911,581
12	140	$178,256	$44,633	$133,623	$24,777,958
12	141	$178,256	$44,394	$133,862	$24,644,096
12	142	$178,256	$44,154	$134,102	$24,509,994
12	143	$178,256	$43,914	$134,342	$24,375,652
12	144	$178,256	$43,673	$134,583	$24,241,069
13	145	$178,256	$43,432	$134,824	$24,106,245
13	146	$178,256	$43,190	$135,066	$23,971,179
13	147	$178,256	$42,948	$135,308	$23,835,872
13	148	$178,256	$42,706	$135,550	$23,700,322
13	149	$178,256	$42,463	$135,793	$23,564,529
13	150	$178,256	$42,220	$136,036	$23,428,493
13	151	$178,256	$41,976	$136,280	$23,292,213
13	152	$178,256	$41,732	$136,524	$23,155,689
13	153	$178,256	$41,487	$136,769	$23,018,920
13	154	$178,256	$41,242	$137,014	$22,881,906
13	155	$178,256	$40,997	$137,259	$22,744,647
13	156	$178,256	$40,751	$137,505	$22,607,142
14	157	$178,256	$40,504	$137,752	$22,469,390
14	158	$178,256	$40,258	$137,998	$22,331,392
14	159	$178,256	$40,010	$138,246	$22,193,146
14	160	$178,256	$39,763	$138,493	$22,054,653
14	161	$178,256	$39,515	$138,741	$21,915,912
14	162	$178,256	$39,266	$138,990	$21,776,922
14	163	$178,256	$39,017	$139,239	$21,637,683
14	164	$178,256	$38,768	$139,488	$21,498,194
14	165	$178,256	$38,518	$139,738	$21,358,456
14	166	$178,256	$38,267	$139,989	$21,218,467
14	167	$178,256	$38,016	$140,240	$21,078,228
14	168	$178,256	$37,765	$140,491	$20,937,737
15	169	$178,256	$37,513	$140,743	$20,796,994
15	170	$178,256	$37,261	$140,995	$20,656,000
15	171	$178,256	$37,009	$141,247	$20,514,752
15	172	$178,256	$36,756	$141,500	$20,373,252
15	173	$178,256	$36,502	$141,754	$20,231,498
15	174	$178,256	$36,248	$142,008	$20,089,490
15	175	$178,256	$35,994	$142,262	$19,947,228
15	176	$178,256	$35,739	$142,517	$19,804,711
15	177	$178,256	$35,483	$142,773	$19,661,938
15	178	$178,256	$35,228	$143,028	$19,518,910
15	179	$178,256	$34,971	$143,285	$19,375,625
15	180	$178,256	$34,715	$143,541	$19,232,084
16	181	$178,256	$34,457	$143,798	$19,088,285
16	182	$178,256	$34,200	$144,056	$18,944,229
16	183	$178,256	$33,942	$144,314	$18,799,915
16	184	$178,256	$33,683	$144,573	$18,655,342
16	185	$178,256	$33,424	$144,832	$18,510,510
16	186	$178,256	$33,165	$145,091	$18,365,419
16	187	$178,256	$32,905	$145,351	$18,220,068
16	188	$178,256	$32,644	$145,612	$18,074,456
16	189	$178,256	$32,383	$145,873	$17,928,584
16	190	$178,256	$32,122	$146,134	$17,782,450
16	191	$178,256	$31,860	$146,396	$17,636,054
16	192	$178,256	$31,598	$146,658	$17,489,396
17	193	$178,256	$31,335	$146,921	$17,342,475
17	194	$178,256	$31,072	$147,184	$17,195,291
17	195	$178,256	$30,808	$147,448	$17,047,843
17	196	$178,256	$30,544	$147,712	$16,900,131
17	197	$178,256	$30,279	$147,977	$16,752,155
17	198	$178,256	$30,014	$148,242	$16,603,913
17	199	$178,256	$29,749	$148,507	$16,455,406
17	200	$178,256	$29,483	$148,773	$16,306,632
17	201	$178,256	$29,216	$149,040	$16,157,592
17	202	$178,256	$28,949	$149,307	$16,008,285
17	203	$178,256	$28,682	$149,574	$15,858,711
17	204	$178,256	$28,414	$149,842	$15,708,869
18	205	$178,256	$28,145	$150,111	$15,558,758
18	206	$178,256	$27,876	$150,380	$15,408,378
18	207	$178,256	$27,607	$150,649	$15,257,728
18	208	$178,256	$27,337	$150,919	$15,106,809
18	209	$178,256	$27,066	$151,190	$14,955,620
18	210	$178,256	$26,795	$151,460	$14,804,159
18	211	$178,256	$26,524	$151,732	$14,652,427
18	212	$178,256	$26,252	$152,004	$14,500,424
18	213	$178,256	$25,980	$152,276	$14,348,148
18	214	$178,256	$25,707	$152,549	$14,195,599
18	215	$178,256	$25,434	$152,822	$14,042,777
18	216	$178,256	$25,160	$153,096	$13,889,681
19	217	$178,256	$24,886	$153,370	$13,736,310
19	218	$178,256	$24,611	$153,645	$13,582,665
19	219	$178,256	$24,336	$153,920	$13,428,745
19	220	$178,256	$24,060	$154,196	$13,274,549
19	221	$178,256	$23,784	$154,472	$13,120,076
19	222	$178,256	$23,507	$154,749	$12,965,327
19	223	$178,256	$23,230	$155,026	$12,810,301
19	224	$178,256	$22,952	$155,304	$12,654,996
19	225	$178,256	$22,674	$155,582	$12,499,414
19	226	$178,256	$22,395	$155,861	$12,343,553
19	227	$178,256	$22,116	$156,140	$12,187,412
19	228	$178,256	$21,836	$156,420	$12,030,992
20	229	$178,256	$21,556	$156,700	$11,874,292
20	230	$178,256	$21,275	$156,981	$11,717,311
20	231	$178,256	$20,994	$157,262	$11,560,048
20	232	$178,256	$20,712	$157,544	$11,402,504
20	233	$178,256	$20,429	$157,826	$11,244,677
20	234	$178,256	$20,147	$158,109	$11,086,568
20	235	$178,256	$19,863	$158,393	$10,928,176
20	236	$178,256	$19,580	$158,676	$10,769,499
20	237	$178,256	$19,295	$158,961	$10,610,539
20	238	$178,256	$19,011	$159,245	$10,451,293
20	239	$178,256	$18,725	$159,531	$10,291,762
20	240	$178,256	$18,439	$159,817	$10,131,946
21	241	$178,256	$18,153	$160,103	$9,971,843
21	242	$178,256	$17,866	$160,390	$9,811,453
21	243	$178,256	$17,579	$160,677	$9,650,776
21	244	$178,256	$17,291	$160,965	$9,489,811
21	245	$178,256	$17,003	$161,253	$9,328,558
21	246	$178,256	$16,714	$161,542	$9,167,015
21	247	$178,256	$16,424	$161,832	$9,005,184
21	248	$178,256	$16,134	$162,122	$8,843,062
21	249	$178,256	$15,844	$162,412	$8,680,650
21	250	$178,256	$15,553	$162,703	$8,517,947
21	251	$178,256	$15,261	$162,995	$8,354,952
21	252	$178,256	$14,969	$163,287	$8,191,665
22	253	$178,256	$14,677	$163,579	$8,028,086
22	254	$178,256	$14,384	$163,872	$7,864,214
22	255	$178,256	$14,090	$164,166	$7,700,048
22	256	$178,256	$13,796	$164,460	$7,535,588
22	257	$178,256	$13,501	$164,755	$7,370,833
22	258	$178,256	$13,206	$165,050	$7,205,783
22	259	$178,256	$12,910	$165,346	$7,040,438
22	260	$178,256	$12,614	$165,642	$6,874,796
22	261	$178,256	$12,317	$165,939	$6,708,857
22	262	$178,256	$12,020	$166,236	$6,542,621
22	263	$178,256	$11,722	$166,534	$6,376,087
22	264	$178,256	$11,424	$166,832	$6,209,255
23	265	$178,256	$11,125	$167,131	$6,042,124
23	266	$178,256	$10,825	$167,431	$5,874,694
23	267	$178,256	$10,525	$167,730	$5,706,963
23	268	$178,256	$10,225	$168,031	$5,538,932
23	269	$178,256	$9,924	$168,332	$5,370,600
23	270	$178,256	$9,622	$168,634	$5,201,966
23	271	$178,256	$9,320	$168,936	$5,033,031
23	272	$178,256	$9,018	$169,238	$4,863,792
23	273	$178,256	$8,714	$169,542	$4,694,251
23	274	$178,256	$8,411	$169,845	$4,524,405
23	275	$178,256	$8,106	$170,150	$4,354,255
23	276	$178,256	$7,801	$170,455	$4,183,801
24	277	$178,256	$7,496	$170,760	$4,013,041
24	278	$178,256	$7,190	$171,066	$3,841,975
24	279	$178,256	$6,884	$171,372	$3,670,602
24	280	$178,256	$6,576	$171,679	$3,498,923
24	281	$178,256	$6,269	$171,987	$3,326,936
24	282	$178,256	$5,961	$172,295	$3,154,641
24	283	$178,256	$5,652	$172,604	$2,982,037
24	284	$178,256	$5,343	$172,913	$2,809,124
24	285	$178,256	$5,033	$173,223	$2,635,901
24	286	$178,256	$4,723	$173,533	$2,462,367
24	287	$178,256	$4,412	$173,844	$2,288,523
24	288	$178,256	$4,100	$174,156	$2,114,367
25	289	$178,256	$3,788	$174,468	$1,939,900
25	290	$178,256	$3,476	$174,780	$1,765,119
25	291	$178,256	$3,163	$175,093	$1,590,026
25	292	$178,256	$2,849	$175,407	$1,414,619
25	293	$178,256	$2,535	$175,721	$1,238,897
25	294	$178,256	$2,220	$176,036	$1,062,861
25	295	$178,256	$1,904	$176,352	$886,509
25	296	$178,256	$1,588	$176,668	$709,842
25	297	$178,256	$1,272	$176,984	$532,857
25	298	$178,256	$955	$177,301	$355,556
25	299	$178,256	$637	$177,619	$177,937
25	300	$178,256	$319	$177,937	$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$ 27,560,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 28,249,000

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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.