Century 21 Centaland Property

Down Payment (HKD)

$14,200,000

Monthly Repayment (HKD)

$91,845

Loan Amount (HKD)

$21,300,000

Total Interest (HKD)

$6,253,354

Total Repayment (HKD)

$27,553,354

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$91,845	$38,163	$53,682	$21,246,318
1	2	$91,845	$38,066	$53,778	$21,192,540
1	3	$91,845	$37,970	$53,875	$21,138,665
1	4	$91,845	$37,873	$53,971	$21,084,694
1	5	$91,845	$37,777	$54,068	$21,030,626
1	6	$91,845	$37,680	$54,165	$20,976,462
1	7	$91,845	$37,583	$54,262	$20,922,200
1	8	$91,845	$37,486	$54,359	$20,867,841
1	9	$91,845	$37,388	$54,456	$20,813,385
1	10	$91,845	$37,291	$54,554	$20,758,831
1	11	$91,845	$37,193	$54,652	$20,704,179
1	12	$91,845	$37,095	$54,750	$20,649,430
2	13	$91,845	$36,997	$54,848	$20,594,582
2	14	$91,845	$36,899	$54,946	$20,539,636
2	15	$91,845	$36,800	$55,044	$20,484,592
2	16	$91,845	$36,702	$55,143	$20,429,449
2	17	$91,845	$36,603	$55,242	$20,374,207
2	18	$91,845	$36,504	$55,341	$20,318,867
2	19	$91,845	$36,405	$55,440	$20,263,427
2	20	$91,845	$36,305	$55,539	$20,207,887
2	21	$91,845	$36,206	$55,639	$20,152,249
2	22	$91,845	$36,106	$55,738	$20,096,510
2	23	$91,845	$36,006	$55,838	$20,040,672
2	24	$91,845	$35,906	$55,938	$19,984,734
3	25	$91,845	$35,806	$56,039	$19,928,695
3	26	$91,845	$35,706	$56,139	$19,872,556
3	27	$91,845	$35,605	$56,240	$19,816,317
3	28	$91,845	$35,504	$56,340	$19,759,977
3	29	$91,845	$35,403	$56,441	$19,703,535
3	30	$91,845	$35,302	$56,542	$19,646,993
3	31	$91,845	$35,201	$56,644	$19,590,349
3	32	$91,845	$35,099	$56,745	$19,533,604
3	33	$91,845	$34,998	$56,847	$19,476,757
3	34	$91,845	$34,896	$56,949	$19,419,809
3	35	$91,845	$34,794	$57,051	$19,362,758
3	36	$91,845	$34,692	$57,153	$19,305,605
4	37	$91,845	$34,589	$57,255	$19,248,350
4	38	$91,845	$34,487	$57,358	$19,190,992
4	39	$91,845	$34,384	$57,461	$19,133,531
4	40	$91,845	$34,281	$57,564	$19,075,968
4	41	$91,845	$34,178	$57,667	$19,018,301
4	42	$91,845	$34,074	$57,770	$18,960,531
4	43	$91,845	$33,971	$57,874	$18,902,657
4	44	$91,845	$33,867	$57,977	$18,844,680
4	45	$91,845	$33,763	$58,081	$18,786,599
4	46	$91,845	$33,659	$58,185	$18,728,414
4	47	$91,845	$33,555	$58,289	$18,670,124
4	48	$91,845	$33,451	$58,394	$18,611,730
5	49	$91,845	$33,346	$58,498	$18,553,232
5	50	$91,845	$33,241	$58,603	$18,494,629
5	51	$91,845	$33,136	$58,708	$18,435,920
5	52	$91,845	$33,031	$58,813	$18,377,107
5	53	$91,845	$32,926	$58,919	$18,318,188
5	54	$91,845	$32,820	$59,024	$18,259,163
5	55	$91,845	$32,714	$59,130	$18,200,033
5	56	$91,845	$32,608	$59,236	$18,140,797
5	57	$91,845	$32,502	$59,342	$18,081,455
5	58	$91,845	$32,396	$59,449	$18,022,006
5	59	$91,845	$32,289	$59,555	$17,962,451
5	60	$91,845	$32,183	$59,662	$17,902,789
6	61	$91,845	$32,076	$59,769	$17,843,021
6	62	$91,845	$31,969	$59,876	$17,783,145
6	63	$91,845	$31,861	$59,983	$17,723,162
6	64	$91,845	$31,754	$60,091	$17,663,071
6	65	$91,845	$31,646	$60,198	$17,602,873
6	66	$91,845	$31,538	$60,306	$17,542,567
6	67	$91,845	$31,430	$60,414	$17,482,153
6	68	$91,845	$31,322	$60,522	$17,421,631
6	69	$91,845	$31,214	$60,631	$17,361,000
6	70	$91,845	$31,105	$60,739	$17,300,261
6	71	$91,845	$30,996	$60,848	$17,239,412
6	72	$91,845	$30,887	$60,957	$17,178,455
7	73	$91,845	$30,778	$61,066	$17,117,389
7	74	$91,845	$30,669	$61,176	$17,056,213
7	75	$91,845	$30,559	$61,285	$16,994,927
7	76	$91,845	$30,449	$61,395	$16,933,532
7	77	$91,845	$30,339	$61,505	$16,872,027
7	78	$91,845	$30,229	$61,615	$16,810,411
7	79	$91,845	$30,119	$61,726	$16,748,686
7	80	$91,845	$30,008	$61,836	$16,686,849
7	81	$91,845	$29,897	$61,947	$16,624,902
7	82	$91,845	$29,786	$62,058	$16,562,844
7	83	$91,845	$29,675	$62,169	$16,500,674
7	84	$91,845	$29,564	$62,281	$16,438,393
8	85	$91,845	$29,452	$62,392	$16,376,001
8	86	$91,845	$29,340	$62,504	$16,313,497
8	87	$91,845	$29,228	$62,616	$16,250,881
8	88	$91,845	$29,116	$62,728	$16,188,152
8	89	$91,845	$29,004	$62,841	$16,125,312
8	90	$91,845	$28,891	$62,953	$16,062,358
8	91	$91,845	$28,778	$63,066	$15,999,292
8	92	$91,845	$28,665	$63,179	$15,936,113
8	93	$91,845	$28,552	$63,292	$15,872,821
8	94	$91,845	$28,439	$63,406	$15,809,415
8	95	$91,845	$28,325	$63,519	$15,745,896
8	96	$91,845	$28,211	$63,633	$15,682,263
9	97	$91,845	$28,097	$63,747	$15,618,515
9	98	$91,845	$27,983	$63,861	$15,554,654
9	99	$91,845	$27,869	$63,976	$15,490,678
9	100	$91,845	$27,754	$64,090	$15,426,588
9	101	$91,845	$27,639	$64,205	$15,362,383
9	102	$91,845	$27,524	$64,320	$15,298,063
9	103	$91,845	$27,409	$64,435	$15,233,627
9	104	$91,845	$27,294	$64,551	$15,169,076
9	105	$91,845	$27,178	$64,667	$15,104,410
9	106	$91,845	$27,062	$64,782	$15,039,627
9	107	$91,845	$26,946	$64,899	$14,974,729
9	108	$91,845	$26,830	$65,015	$14,909,714
10	109	$91,845	$26,713	$65,131	$14,844,582
10	110	$91,845	$26,597	$65,248	$14,779,335
10	111	$91,845	$26,480	$65,365	$14,713,970
10	112	$91,845	$26,363	$65,482	$14,648,488
10	113	$91,845	$26,245	$65,599	$14,582,888
10	114	$91,845	$26,128	$65,717	$14,517,172
10	115	$91,845	$26,010	$65,835	$14,451,337
10	116	$91,845	$25,892	$65,953	$14,385,384
10	117	$91,845	$25,774	$66,071	$14,319,314
10	118	$91,845	$25,655	$66,189	$14,253,125
10	119	$91,845	$25,537	$66,308	$14,186,817
10	120	$91,845	$25,418	$66,426	$14,120,390
11	121	$91,845	$25,299	$66,545	$14,053,845
11	122	$91,845	$25,180	$66,665	$13,987,180
11	123	$91,845	$25,060	$66,784	$13,920,396
11	124	$91,845	$24,941	$66,904	$13,853,492
11	125	$91,845	$24,821	$67,024	$13,786,469
11	126	$91,845	$24,701	$67,144	$13,719,325
11	127	$91,845	$24,580	$67,264	$13,652,061
11	128	$91,845	$24,460	$67,385	$13,584,676
11	129	$91,845	$24,339	$67,505	$13,517,171
11	130	$91,845	$24,218	$67,626	$13,449,545
11	131	$91,845	$24,097	$67,747	$13,381,797
11	132	$91,845	$23,976	$67,869	$13,313,929
12	133	$91,845	$23,854	$67,990	$13,245,938
12	134	$91,845	$23,732	$68,112	$13,177,826
12	135	$91,845	$23,610	$68,234	$13,109,592
12	136	$91,845	$23,488	$68,356	$13,041,235
12	137	$91,845	$23,366	$68,479	$12,972,756
12	138	$91,845	$23,243	$68,602	$12,904,155
12	139	$91,845	$23,120	$68,725	$12,835,430
12	140	$91,845	$22,997	$68,848	$12,766,582
12	141	$91,845	$22,873	$68,971	$12,697,611
12	142	$91,845	$22,750	$69,095	$12,628,517
12	143	$91,845	$22,626	$69,218	$12,559,298
12	144	$91,845	$22,502	$69,342	$12,489,956
13	145	$91,845	$22,378	$69,467	$12,420,489
13	146	$91,845	$22,253	$69,591	$12,350,898
13	147	$91,845	$22,129	$69,716	$12,281,182
13	148	$91,845	$22,004	$69,841	$12,211,341
13	149	$91,845	$21,879	$69,966	$12,141,375
13	150	$91,845	$21,753	$70,091	$12,071,284
13	151	$91,845	$21,628	$70,217	$12,001,067
13	152	$91,845	$21,502	$70,343	$11,930,725
13	153	$91,845	$21,376	$70,469	$11,860,256
13	154	$91,845	$21,250	$70,595	$11,789,661
13	155	$91,845	$21,123	$70,721	$11,718,940
13	156	$91,845	$20,996	$70,848	$11,648,092
14	157	$91,845	$20,869	$70,975	$11,577,117
14	158	$91,845	$20,742	$71,102	$11,506,015
14	159	$91,845	$20,615	$71,230	$11,434,785
14	160	$91,845	$20,487	$71,357	$11,363,428
14	161	$91,845	$20,359	$71,485	$11,291,943
14	162	$91,845	$20,231	$71,613	$11,220,330
14	163	$91,845	$20,103	$71,741	$11,148,588
14	164	$91,845	$19,975	$71,870	$11,076,718
14	165	$91,845	$19,846	$71,999	$11,004,720
14	166	$91,845	$19,717	$72,128	$10,932,592
14	167	$91,845	$19,588	$72,257	$10,860,335
14	168	$91,845	$19,458	$72,386	$10,787,949
15	169	$91,845	$19,328	$72,516	$10,715,432
15	170	$91,845	$19,198	$72,646	$10,642,786
15	171	$91,845	$19,068	$72,776	$10,570,010
15	172	$91,845	$18,938	$72,907	$10,497,104
15	173	$91,845	$18,807	$73,037	$10,424,066
15	174	$91,845	$18,676	$73,168	$10,350,898
15	175	$91,845	$18,545	$73,299	$10,277,599
15	176	$91,845	$18,414	$73,430	$10,204,169
15	177	$91,845	$18,282	$73,562	$10,130,607
15	178	$91,845	$18,151	$73,694	$10,056,913
15	179	$91,845	$18,019	$73,826	$9,983,087
15	180	$91,845	$17,886	$73,958	$9,909,129
16	181	$91,845	$17,754	$74,091	$9,835,038
16	182	$91,845	$17,621	$74,223	$9,760,815
16	183	$91,845	$17,488	$74,356	$9,686,458
16	184	$91,845	$17,355	$74,490	$9,611,969
16	185	$91,845	$17,221	$74,623	$9,537,346
16	186	$91,845	$17,088	$74,757	$9,462,589
16	187	$91,845	$16,954	$74,891	$9,387,698
16	188	$91,845	$16,820	$75,025	$9,312,673
16	189	$91,845	$16,685	$75,159	$9,237,514
16	190	$91,845	$16,551	$75,294	$9,162,220
16	191	$91,845	$16,416	$75,429	$9,086,791
16	192	$91,845	$16,281	$75,564	$9,011,227
17	193	$91,845	$16,145	$75,699	$8,935,528
17	194	$91,845	$16,009	$75,835	$8,859,693
17	195	$91,845	$15,874	$75,971	$8,783,722
17	196	$91,845	$15,738	$76,107	$8,707,615
17	197	$91,845	$15,601	$76,243	$8,631,371
17	198	$91,845	$15,465	$76,380	$8,554,991
17	199	$91,845	$15,328	$76,517	$8,478,475
17	200	$91,845	$15,191	$76,654	$8,401,821
17	201	$91,845	$15,053	$76,791	$8,325,029
17	202	$91,845	$14,916	$76,929	$8,248,101
17	203	$91,845	$14,778	$77,067	$8,171,034
17	204	$91,845	$14,640	$77,205	$8,093,829
18	205	$91,845	$14,501	$77,343	$8,016,486
18	206	$91,845	$14,363	$77,482	$7,939,005
18	207	$91,845	$14,224	$77,620	$7,861,384
18	208	$91,845	$14,085	$77,760	$7,783,625
18	209	$91,845	$13,946	$77,899	$7,705,726
18	210	$91,845	$13,806	$78,038	$7,627,687
18	211	$91,845	$13,666	$78,178	$7,549,509
18	212	$91,845	$13,526	$78,318	$7,471,191
18	213	$91,845	$13,386	$78,459	$7,392,732
18	214	$91,845	$13,245	$78,599	$7,314,133
18	215	$91,845	$13,104	$78,740	$7,235,393
18	216	$91,845	$12,963	$78,881	$7,156,512
19	217	$91,845	$12,822	$79,022	$7,077,489
19	218	$91,845	$12,681	$79,164	$6,998,325
19	219	$91,845	$12,539	$79,306	$6,919,019
19	220	$91,845	$12,397	$79,448	$6,839,571
19	221	$91,845	$12,254	$79,590	$6,759,981
19	222	$91,845	$12,112	$79,733	$6,680,248
19	223	$91,845	$11,969	$79,876	$6,600,373
19	224	$91,845	$11,826	$80,019	$6,520,354
19	225	$91,845	$11,682	$80,162	$6,440,192
19	226	$91,845	$11,539	$80,306	$6,359,886
19	227	$91,845	$11,395	$80,450	$6,279,436
19	228	$91,845	$11,251	$80,594	$6,198,842
20	229	$91,845	$11,106	$80,738	$6,118,104
20	230	$91,845	$10,962	$80,883	$6,037,221
20	231	$91,845	$10,817	$81,028	$5,956,193
20	232	$91,845	$10,672	$81,173	$5,875,020
20	233	$91,845	$10,526	$81,318	$5,793,702
20	234	$91,845	$10,380	$81,464	$5,712,238
20	235	$91,845	$10,234	$81,610	$5,630,627
20	236	$91,845	$10,088	$81,756	$5,548,871
20	237	$91,845	$9,942	$81,903	$5,466,968
20	238	$91,845	$9,795	$82,050	$5,384,919
20	239	$91,845	$9,648	$82,197	$5,302,722
20	240	$91,845	$9,501	$82,344	$5,220,378
21	241	$91,845	$9,353	$82,491	$5,137,887
21	242	$91,845	$9,205	$82,639	$5,055,248
21	243	$91,845	$9,057	$82,787	$4,972,461
21	244	$91,845	$8,909	$82,936	$4,889,525
21	245	$91,845	$8,760	$83,084	$4,806,441
21	246	$91,845	$8,612	$83,233	$4,723,208
21	247	$91,845	$8,462	$83,382	$4,639,826
21	248	$91,845	$8,313	$83,531	$4,556,295
21	249	$91,845	$8,163	$83,681	$4,472,613
21	250	$91,845	$8,013	$83,831	$4,388,782
21	251	$91,845	$7,863	$83,981	$4,304,801
21	252	$91,845	$7,713	$84,132	$4,220,669
22	253	$91,845	$7,562	$84,282	$4,136,387
22	254	$91,845	$7,411	$84,433	$4,051,953
22	255	$91,845	$7,260	$84,585	$3,967,369
22	256	$91,845	$7,108	$84,736	$3,882,632
22	257	$91,845	$6,956	$84,888	$3,797,744
22	258	$91,845	$6,804	$85,040	$3,712,704
22	259	$91,845	$6,652	$85,193	$3,627,511
22	260	$91,845	$6,499	$85,345	$3,542,166
22	261	$91,845	$6,346	$85,498	$3,456,668
22	262	$91,845	$6,193	$85,651	$3,371,017
22	263	$91,845	$6,040	$85,805	$3,285,212
22	264	$91,845	$5,886	$85,959	$3,199,253
23	265	$91,845	$5,732	$86,113	$3,113,141
23	266	$91,845	$5,578	$86,267	$3,026,874
23	267	$91,845	$5,423	$86,421	$2,940,453
23	268	$91,845	$5,268	$86,576	$2,853,877
23	269	$91,845	$5,113	$86,731	$2,767,145
23	270	$91,845	$4,958	$86,887	$2,680,258
23	271	$91,845	$4,802	$87,042	$2,593,216
23	272	$91,845	$4,646	$87,198	$2,506,018
23	273	$91,845	$4,490	$87,355	$2,418,663
23	274	$91,845	$4,333	$87,511	$2,331,152
23	275	$91,845	$4,177	$87,668	$2,243,484
23	276	$91,845	$4,020	$87,825	$2,155,659
24	277	$91,845	$3,862	$87,982	$2,067,677
24	278	$91,845	$3,705	$88,140	$1,979,537
24	279	$91,845	$3,547	$88,298	$1,891,239
24	280	$91,845	$3,388	$88,456	$1,802,783
24	281	$91,845	$3,230	$88,615	$1,714,169
24	282	$91,845	$3,071	$88,773	$1,625,395
24	283	$91,845	$2,912	$88,932	$1,536,463
24	284	$91,845	$2,753	$89,092	$1,447,371
24	285	$91,845	$2,593	$89,251	$1,358,120
24	286	$91,845	$2,433	$89,411	$1,268,709
24	287	$91,845	$2,273	$89,571	$1,179,137
24	288	$91,845	$2,113	$89,732	$1,089,406
25	289	$91,845	$1,952	$89,893	$999,513
25	290	$91,845	$1,791	$90,054	$909,459
25	291	$91,845	$1,629	$90,215	$819,244
25	292	$91,845	$1,468	$90,377	$728,867
25	293	$91,845	$1,306	$90,539	$638,329
25	294	$91,845	$1,144	$90,701	$547,628
25	295	$91,845	$981	$90,863	$456,765
25	296	$91,845	$818	$91,026	$365,738
25	297	$91,845	$655	$91,189	$274,549
25	298	$91,845	$492	$91,353	$183,197
25	299	$91,845	$328	$91,516	$91,680
25	300	$91,845	$164	$91,680	$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$ 14,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 14,555,000

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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.