Century 21 Centaland Property

Down Payment (HKD)

$15,800,000

Monthly Repayment (HKD)

$102,193

Loan Amount (HKD)

$23,700,000

Total Interest (HKD)

$6,957,958

Total Repayment (HKD)

$30,657,958

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$102,193	$42,463	$59,731	$23,640,269
1	2	$102,193	$42,355	$59,838	$23,580,432
1	3	$102,193	$42,248	$59,945	$23,520,487
1	4	$102,193	$42,141	$60,052	$23,460,434
1	5	$102,193	$42,033	$60,160	$23,400,274
1	6	$102,193	$41,925	$60,268	$23,340,007
1	7	$102,193	$41,818	$60,376	$23,279,631
1	8	$102,193	$41,709	$60,484	$23,219,147
1	9	$102,193	$41,601	$60,592	$23,158,555
1	10	$102,193	$41,492	$60,701	$23,097,854
1	11	$102,193	$41,384	$60,810	$23,037,045
1	12	$102,193	$41,275	$60,918	$22,976,126
2	13	$102,193	$41,166	$61,028	$22,915,099
2	14	$102,193	$41,056	$61,137	$22,853,962
2	15	$102,193	$40,947	$61,247	$22,792,715
2	16	$102,193	$40,837	$61,356	$22,731,359
2	17	$102,193	$40,727	$61,466	$22,669,893
2	18	$102,193	$40,617	$61,576	$22,608,316
2	19	$102,193	$40,507	$61,687	$22,546,630
2	20	$102,193	$40,396	$61,797	$22,484,833
2	21	$102,193	$40,285	$61,908	$22,422,925
2	22	$102,193	$40,174	$62,019	$22,360,906
2	23	$102,193	$40,063	$62,130	$22,298,776
2	24	$102,193	$39,952	$62,241	$22,236,535
3	25	$102,193	$39,840	$62,353	$22,174,182
3	26	$102,193	$39,729	$62,464	$22,111,718
3	27	$102,193	$39,617	$62,576	$22,049,141
3	28	$102,193	$39,505	$62,688	$21,986,453
3	29	$102,193	$39,392	$62,801	$21,923,652
3	30	$102,193	$39,280	$62,913	$21,860,739
3	31	$102,193	$39,167	$63,026	$21,797,713
3	32	$102,193	$39,054	$63,139	$21,734,574
3	33	$102,193	$38,941	$63,252	$21,671,322
3	34	$102,193	$38,828	$63,365	$21,607,956
3	35	$102,193	$38,714	$63,479	$21,544,477
3	36	$102,193	$38,601	$63,593	$21,480,885
4	37	$102,193	$38,487	$63,707	$21,417,178
4	38	$102,193	$38,372	$63,821	$21,353,357
4	39	$102,193	$38,258	$63,935	$21,289,422
4	40	$102,193	$38,144	$64,050	$21,225,372
4	41	$102,193	$38,029	$64,164	$21,161,208
4	42	$102,193	$37,914	$64,279	$21,096,929
4	43	$102,193	$37,799	$64,395	$21,032,534
4	44	$102,193	$37,683	$64,510	$20,968,024
4	45	$102,193	$37,568	$64,625	$20,903,399
4	46	$102,193	$37,452	$64,741	$20,838,658
4	47	$102,193	$37,336	$64,857	$20,773,800
4	48	$102,193	$37,220	$64,973	$20,708,827
5	49	$102,193	$37,103	$65,090	$20,643,737
5	50	$102,193	$36,987	$65,206	$20,578,530
5	51	$102,193	$36,870	$65,323	$20,513,207
5	52	$102,193	$36,753	$65,440	$20,447,767
5	53	$102,193	$36,636	$65,558	$20,382,209
5	54	$102,193	$36,518	$65,675	$20,316,534
5	55	$102,193	$36,400	$65,793	$20,250,741
5	56	$102,193	$36,283	$65,911	$20,184,831
5	57	$102,193	$36,164	$66,029	$20,118,802
5	58	$102,193	$36,046	$66,147	$20,052,655
5	59	$102,193	$35,928	$66,266	$19,986,389
5	60	$102,193	$35,809	$66,384	$19,920,005
6	61	$102,193	$35,690	$66,503	$19,853,502
6	62	$102,193	$35,571	$66,622	$19,786,880
6	63	$102,193	$35,451	$66,742	$19,720,138
6	64	$102,193	$35,332	$66,861	$19,653,277
6	65	$102,193	$35,212	$66,981	$19,586,296
6	66	$102,193	$35,092	$67,101	$19,519,195
6	67	$102,193	$34,972	$67,221	$19,451,973
6	68	$102,193	$34,851	$67,342	$19,384,632
6	69	$102,193	$34,731	$67,462	$19,317,169
6	70	$102,193	$34,610	$67,583	$19,249,586
6	71	$102,193	$34,489	$67,704	$19,181,882
6	72	$102,193	$34,368	$67,826	$19,114,056
7	73	$102,193	$34,246	$67,947	$19,046,109
7	74	$102,193	$34,124	$68,069	$18,978,040
7	75	$102,193	$34,002	$68,191	$18,909,849
7	76	$102,193	$33,880	$68,313	$18,841,536
7	77	$102,193	$33,758	$68,435	$18,773,100
7	78	$102,193	$33,635	$68,558	$18,704,542
7	79	$102,193	$33,512	$68,681	$18,635,861
7	80	$102,193	$33,389	$68,804	$18,567,058
7	81	$102,193	$33,266	$68,927	$18,498,130
7	82	$102,193	$33,142	$69,051	$18,429,080
7	83	$102,193	$33,019	$69,174	$18,359,905
7	84	$102,193	$32,895	$69,298	$18,290,607
8	85	$102,193	$32,771	$69,423	$18,221,184
8	86	$102,193	$32,646	$69,547	$18,151,637
8	87	$102,193	$32,522	$69,672	$18,081,966
8	88	$102,193	$32,397	$69,796	$18,012,170
8	89	$102,193	$32,272	$69,921	$17,942,248
8	90	$102,193	$32,147	$70,047	$17,872,201
8	91	$102,193	$32,021	$70,172	$17,802,029
8	92	$102,193	$31,895	$70,298	$17,731,731
8	93	$102,193	$31,769	$70,424	$17,661,308
8	94	$102,193	$31,643	$70,550	$17,590,758
8	95	$102,193	$31,517	$70,676	$17,520,081
8	96	$102,193	$31,390	$70,803	$17,449,278
9	97	$102,193	$31,263	$70,930	$17,378,348
9	98	$102,193	$31,136	$71,057	$17,307,291
9	99	$102,193	$31,009	$71,184	$17,236,107
9	100	$102,193	$30,881	$71,312	$17,164,795
9	101	$102,193	$30,754	$71,440	$17,093,355
9	102	$102,193	$30,626	$71,568	$17,021,788
9	103	$102,193	$30,497	$71,696	$16,950,092
9	104	$102,193	$30,369	$71,824	$16,878,268
9	105	$102,193	$30,240	$71,953	$16,806,315
9	106	$102,193	$30,111	$72,082	$16,734,233
9	107	$102,193	$29,982	$72,211	$16,662,022
9	108	$102,193	$29,853	$72,340	$16,589,682
10	109	$102,193	$29,723	$72,470	$16,517,212
10	110	$102,193	$29,593	$72,600	$16,444,612
10	111	$102,193	$29,463	$72,730	$16,371,882
10	112	$102,193	$29,333	$72,860	$16,299,021
10	113	$102,193	$29,202	$72,991	$16,226,031
10	114	$102,193	$29,072	$73,122	$16,152,909
10	115	$102,193	$28,941	$73,253	$16,079,657
10	116	$102,193	$28,809	$73,384	$16,006,273
10	117	$102,193	$28,678	$73,515	$15,932,757
10	118	$102,193	$28,546	$73,647	$15,859,110
10	119	$102,193	$28,414	$73,779	$15,785,332
10	120	$102,193	$28,282	$73,911	$15,711,420
11	121	$102,193	$28,150	$74,044	$15,637,377
11	122	$102,193	$28,017	$74,176	$15,563,201
11	123	$102,193	$27,884	$74,309	$15,488,891
11	124	$102,193	$27,751	$74,442	$15,414,449
11	125	$102,193	$27,618	$74,576	$15,339,874
11	126	$102,193	$27,484	$74,709	$15,265,164
11	127	$102,193	$27,350	$74,843	$15,190,321
11	128	$102,193	$27,216	$74,977	$15,115,344
11	129	$102,193	$27,082	$75,112	$15,040,232
11	130	$102,193	$26,947	$75,246	$14,964,986
11	131	$102,193	$26,812	$75,381	$14,889,605
11	132	$102,193	$26,677	$75,516	$14,814,089
12	133	$102,193	$26,542	$75,651	$14,738,438
12	134	$102,193	$26,406	$75,787	$14,662,651
12	135	$102,193	$26,271	$75,923	$14,586,729
12	136	$102,193	$26,135	$76,059	$14,510,670
12	137	$102,193	$25,998	$76,195	$14,434,475
12	138	$102,193	$25,862	$76,331	$14,358,144
12	139	$102,193	$25,725	$76,468	$14,281,676
12	140	$102,193	$25,588	$76,605	$14,205,070
12	141	$102,193	$25,451	$76,742	$14,128,328
12	142	$102,193	$25,313	$76,880	$14,051,448
12	143	$102,193	$25,176	$77,018	$13,974,430
12	144	$102,193	$25,038	$77,156	$13,897,275
13	145	$102,193	$24,899	$77,294	$13,819,981
13	146	$102,193	$24,761	$77,432	$13,742,548
13	147	$102,193	$24,622	$77,571	$13,664,977
13	148	$102,193	$24,483	$77,710	$13,587,267
13	149	$102,193	$24,344	$77,849	$13,509,418
13	150	$102,193	$24,204	$77,989	$13,431,429
13	151	$102,193	$24,065	$78,129	$13,353,300
13	152	$102,193	$23,925	$78,269	$13,275,032
13	153	$102,193	$23,784	$78,409	$13,196,623
13	154	$102,193	$23,644	$78,549	$13,118,074
13	155	$102,193	$23,503	$78,690	$13,039,384
13	156	$102,193	$23,362	$78,831	$12,960,553
14	157	$102,193	$23,221	$78,972	$12,881,581
14	158	$102,193	$23,079	$79,114	$12,802,467
14	159	$102,193	$22,938	$79,255	$12,723,212
14	160	$102,193	$22,796	$79,397	$12,643,814
14	161	$102,193	$22,654	$79,540	$12,564,274
14	162	$102,193	$22,511	$79,682	$12,484,592
14	163	$102,193	$22,368	$79,825	$12,404,767
14	164	$102,193	$22,225	$79,968	$12,324,799
14	165	$102,193	$22,082	$80,111	$12,244,688
14	166	$102,193	$21,938	$80,255	$12,164,433
14	167	$102,193	$21,795	$80,399	$12,084,035
14	168	$102,193	$21,651	$80,543	$12,003,492
15	169	$102,193	$21,506	$80,687	$11,922,805
15	170	$102,193	$21,362	$80,832	$11,841,974
15	171	$102,193	$21,217	$80,976	$11,760,997
15	172	$102,193	$21,072	$81,121	$11,679,876
15	173	$102,193	$20,926	$81,267	$11,598,609
15	174	$102,193	$20,781	$81,412	$11,517,197
15	175	$102,193	$20,635	$81,558	$11,435,639
15	176	$102,193	$20,489	$81,704	$11,353,934
15	177	$102,193	$20,342	$81,851	$11,272,084
15	178	$102,193	$20,196	$81,997	$11,190,086
15	179	$102,193	$20,049	$82,144	$11,107,942
15	180	$102,193	$19,902	$82,291	$11,025,650
16	181	$102,193	$19,754	$82,439	$10,943,211
16	182	$102,193	$19,607	$82,587	$10,860,625
16	183	$102,193	$19,459	$82,735	$10,777,890
16	184	$102,193	$19,310	$82,883	$10,695,007
16	185	$102,193	$19,162	$83,031	$10,611,976
16	186	$102,193	$19,013	$83,180	$10,528,796
16	187	$102,193	$18,864	$83,329	$10,445,467
16	188	$102,193	$18,715	$83,478	$10,361,989
16	189	$102,193	$18,565	$83,628	$10,278,361
16	190	$102,193	$18,415	$83,778	$10,194,583
16	191	$102,193	$18,265	$83,928	$10,110,655
16	192	$102,193	$18,115	$84,078	$10,026,577
17	193	$102,193	$17,964	$84,229	$9,942,348
17	194	$102,193	$17,813	$84,380	$9,857,968
17	195	$102,193	$17,662	$84,531	$9,773,437
17	196	$102,193	$17,511	$84,682	$9,688,755
17	197	$102,193	$17,359	$84,834	$9,603,920
17	198	$102,193	$17,207	$84,986	$9,518,934
17	199	$102,193	$17,055	$85,138	$9,433,796
17	200	$102,193	$16,902	$85,291	$9,348,505
17	201	$102,193	$16,749	$85,444	$9,263,061
17	202	$102,193	$16,596	$85,597	$9,177,464
17	203	$102,193	$16,443	$85,750	$9,091,714
17	204	$102,193	$16,289	$85,904	$9,005,810
18	205	$102,193	$16,135	$86,058	$8,919,752
18	206	$102,193	$15,981	$86,212	$8,833,540
18	207	$102,193	$15,827	$86,366	$8,747,174
18	208	$102,193	$15,672	$86,521	$8,660,653
18	209	$102,193	$15,517	$86,676	$8,573,976
18	210	$102,193	$15,362	$86,831	$8,487,145
18	211	$102,193	$15,206	$86,987	$8,400,158
18	212	$102,193	$15,050	$87,143	$8,313,015
18	213	$102,193	$14,894	$87,299	$8,225,716
18	214	$102,193	$14,738	$87,455	$8,138,261
18	215	$102,193	$14,581	$87,612	$8,050,648
18	216	$102,193	$14,424	$87,769	$7,962,879
19	217	$102,193	$14,267	$87,926	$7,874,953
19	218	$102,193	$14,109	$88,084	$7,786,869
19	219	$102,193	$13,951	$88,242	$7,698,627
19	220	$102,193	$13,793	$88,400	$7,610,227
19	221	$102,193	$13,635	$88,558	$7,521,669
19	222	$102,193	$13,476	$88,717	$7,432,952
19	223	$102,193	$13,317	$88,876	$7,344,077
19	224	$102,193	$13,158	$89,035	$7,255,041
19	225	$102,193	$12,999	$89,195	$7,165,847
19	226	$102,193	$12,839	$89,354	$7,076,493
19	227	$102,193	$12,679	$89,514	$6,986,978
19	228	$102,193	$12,518	$89,675	$6,897,303
20	229	$102,193	$12,358	$89,836	$6,807,468
20	230	$102,193	$12,197	$89,996	$6,717,471
20	231	$102,193	$12,035	$90,158	$6,627,313
20	232	$102,193	$11,874	$90,319	$6,536,994
20	233	$102,193	$11,712	$90,481	$6,446,513
20	234	$102,193	$11,550	$90,643	$6,355,870
20	235	$102,193	$11,388	$90,806	$6,265,064
20	236	$102,193	$11,225	$90,968	$6,174,096
20	237	$102,193	$11,062	$91,131	$6,082,965
20	238	$102,193	$10,899	$91,295	$5,991,670
20	239	$102,193	$10,735	$91,458	$5,900,212
20	240	$102,193	$10,571	$91,622	$5,808,590
21	241	$102,193	$10,407	$91,786	$5,716,804
21	242	$102,193	$10,243	$91,951	$5,624,853
21	243	$102,193	$10,078	$92,115	$5,532,738
21	244	$102,193	$9,913	$92,280	$5,440,458
21	245	$102,193	$9,747	$92,446	$5,348,012
21	246	$102,193	$9,582	$92,611	$5,255,401
21	247	$102,193	$9,416	$92,777	$5,162,623
21	248	$102,193	$9,250	$92,943	$5,069,680
21	249	$102,193	$9,083	$93,110	$4,976,570
21	250	$102,193	$8,916	$93,277	$4,883,293
21	251	$102,193	$8,749	$93,444	$4,789,849
21	252	$102,193	$8,582	$93,611	$4,696,238
22	253	$102,193	$8,414	$93,779	$4,602,459
22	254	$102,193	$8,246	$93,947	$4,508,512
22	255	$102,193	$8,078	$94,115	$4,414,396
22	256	$102,193	$7,909	$94,284	$4,320,112
22	257	$102,193	$7,740	$94,453	$4,225,659
22	258	$102,193	$7,571	$94,622	$4,131,037
22	259	$102,193	$7,401	$94,792	$4,036,245
22	260	$102,193	$7,232	$94,962	$3,941,283
22	261	$102,193	$7,061	$95,132	$3,846,152
22	262	$102,193	$6,891	$95,302	$3,750,850
22	263	$102,193	$6,720	$95,473	$3,655,377
22	264	$102,193	$6,549	$95,644	$3,559,733
23	265	$102,193	$6,378	$95,815	$3,463,917
23	266	$102,193	$6,206	$95,987	$3,367,930
23	267	$102,193	$6,034	$96,159	$3,271,771
23	268	$102,193	$5,862	$96,331	$3,175,440
23	269	$102,193	$5,689	$96,504	$3,078,936
23	270	$102,193	$5,516	$96,677	$2,982,259
23	271	$102,193	$5,343	$96,850	$2,885,409
23	272	$102,193	$5,170	$97,024	$2,788,386
23	273	$102,193	$4,996	$97,197	$2,691,189
23	274	$102,193	$4,822	$97,371	$2,593,817
23	275	$102,193	$4,647	$97,546	$2,496,271
23	276	$102,193	$4,472	$97,721	$2,398,550
24	277	$102,193	$4,297	$97,896	$2,300,655
24	278	$102,193	$4,122	$98,071	$2,202,584
24	279	$102,193	$3,946	$98,247	$2,104,337
24	280	$102,193	$3,770	$98,423	$2,005,914
24	281	$102,193	$3,594	$98,599	$1,907,314
24	282	$102,193	$3,417	$98,776	$1,808,539
24	283	$102,193	$3,240	$98,953	$1,709,586
24	284	$102,193	$3,063	$99,130	$1,610,455
24	285	$102,193	$2,885	$99,308	$1,511,148
24	286	$102,193	$2,707	$99,486	$1,411,662
24	287	$102,193	$2,529	$99,664	$1,311,998
24	288	$102,193	$2,351	$99,843	$1,212,155
25	289	$102,193	$2,172	$100,021	$1,112,134
25	290	$102,193	$1,993	$100,201	$1,011,933
25	291	$102,193	$1,813	$100,380	$911,553
25	292	$102,193	$1,633	$100,560	$810,993
25	293	$102,193	$1,453	$100,740	$710,253
25	294	$102,193	$1,273	$100,921	$609,332
25	295	$102,193	$1,092	$101,101	$508,231
25	296	$102,193	$911	$101,283	$406,948
25	297	$102,193	$729	$101,464	$305,484
25	298	$102,193	$547	$101,646	$203,838
25	299	$102,193	$365	$101,828	$102,010
25	300	$102,193	$183	$102,010	$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$ 15,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 16,195,000

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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.