Century 21 Centaland Property

Down Payment (HKD)

$15,984,000

Monthly Repayment (HKD)

$103,383

Loan Amount (HKD)

$23,976,000

Total Interest (HKD)

$7,038,987

Total Repayment (HKD)

$31,014,987

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$103,383	$42,957	$60,426	$23,915,574
1	2	$103,383	$42,849	$60,535	$23,855,039
1	3	$103,383	$42,740	$60,643	$23,794,396
1	4	$103,383	$42,632	$60,752	$23,733,644
1	5	$103,383	$42,523	$60,861	$23,672,784
1	6	$103,383	$42,414	$60,970	$23,611,814
1	7	$103,383	$42,305	$61,079	$23,550,736
1	8	$103,383	$42,195	$61,188	$23,489,547
1	9	$103,383	$42,085	$61,298	$23,428,250
1	10	$103,383	$41,976	$61,408	$23,366,842
1	11	$103,383	$41,866	$61,518	$23,305,324
1	12	$103,383	$41,755	$61,628	$23,243,696
2	13	$103,383	$41,645	$61,738	$23,181,958
2	14	$103,383	$41,534	$61,849	$23,120,109
2	15	$103,383	$41,424	$61,960	$23,058,149
2	16	$103,383	$41,313	$62,071	$22,996,078
2	17	$103,383	$41,201	$62,182	$22,933,896
2	18	$103,383	$41,090	$62,293	$22,871,603
2	19	$103,383	$40,978	$62,405	$22,809,198
2	20	$103,383	$40,866	$62,517	$22,746,681
2	21	$103,383	$40,754	$62,629	$22,684,052
2	22	$103,383	$40,642	$62,741	$22,621,311
2	23	$103,383	$40,530	$62,853	$22,558,458
2	24	$103,383	$40,417	$62,966	$22,495,492
3	25	$103,383	$40,304	$63,079	$22,432,413
3	26	$103,383	$40,191	$63,192	$22,369,221
3	27	$103,383	$40,078	$63,305	$22,305,916
3	28	$103,383	$39,965	$63,419	$22,242,498
3	29	$103,383	$39,851	$63,532	$22,178,965
3	30	$103,383	$39,737	$63,646	$22,115,319
3	31	$103,383	$39,623	$63,760	$22,051,559
3	32	$103,383	$39,509	$63,874	$21,987,685
3	33	$103,383	$39,395	$63,989	$21,923,696
3	34	$103,383	$39,280	$64,103	$21,859,593
3	35	$103,383	$39,165	$64,218	$21,795,375
3	36	$103,383	$39,050	$64,333	$21,731,042
4	37	$103,383	$38,935	$64,449	$21,666,593
4	38	$103,383	$38,819	$64,564	$21,602,029
4	39	$103,383	$38,704	$64,680	$21,537,350
4	40	$103,383	$38,588	$64,796	$21,472,554
4	41	$103,383	$38,472	$64,912	$21,407,642
4	42	$103,383	$38,355	$65,028	$21,342,614
4	43	$103,383	$38,239	$65,144	$21,277,470
4	44	$103,383	$38,122	$65,261	$21,212,209
4	45	$103,383	$38,005	$65,378	$21,146,831
4	46	$103,383	$37,888	$65,495	$21,081,336
4	47	$103,383	$37,771	$65,613	$21,015,723
4	48	$103,383	$37,653	$65,730	$20,949,993
5	49	$103,383	$37,535	$65,848	$20,884,145
5	50	$103,383	$37,417	$65,966	$20,818,179
5	51	$103,383	$37,299	$66,084	$20,752,095
5	52	$103,383	$37,181	$66,202	$20,685,893
5	53	$103,383	$37,062	$66,321	$20,619,572
5	54	$103,383	$36,943	$66,440	$20,553,132
5	55	$103,383	$36,824	$66,559	$20,486,573
5	56	$103,383	$36,705	$66,678	$20,419,895
5	57	$103,383	$36,586	$66,798	$20,353,097
5	58	$103,383	$36,466	$66,917	$20,286,180
5	59	$103,383	$36,346	$67,037	$20,219,142
5	60	$103,383	$36,226	$67,157	$20,151,985
6	61	$103,383	$36,106	$67,278	$20,084,707
6	62	$103,383	$35,985	$67,398	$20,017,309
6	63	$103,383	$35,864	$67,519	$19,949,790
6	64	$103,383	$35,743	$67,640	$19,882,150
6	65	$103,383	$35,622	$67,761	$19,814,389
6	66	$103,383	$35,501	$67,883	$19,746,507
6	67	$103,383	$35,379	$68,004	$19,678,503
6	68	$103,383	$35,257	$68,126	$19,610,377
6	69	$103,383	$35,135	$68,248	$19,542,129
6	70	$103,383	$35,013	$68,370	$19,473,758
6	71	$103,383	$34,890	$68,493	$19,405,265
6	72	$103,383	$34,768	$68,616	$19,336,650
7	73	$103,383	$34,645	$68,738	$19,267,911
7	74	$103,383	$34,522	$68,862	$19,199,050
7	75	$103,383	$34,398	$68,985	$19,130,065
7	76	$103,383	$34,275	$69,109	$19,060,956
7	77	$103,383	$34,151	$69,232	$18,991,724
7	78	$103,383	$34,027	$69,356	$18,922,367
7	79	$103,383	$33,903	$69,481	$18,852,887
7	80	$103,383	$33,778	$69,605	$18,783,281
7	81	$103,383	$33,653	$69,730	$18,713,552
7	82	$103,383	$33,528	$69,855	$18,643,697
7	83	$103,383	$33,403	$69,980	$18,573,717
7	84	$103,383	$33,278	$70,105	$18,503,611
8	85	$103,383	$33,152	$70,231	$18,433,380
8	86	$103,383	$33,026	$70,357	$18,363,024
8	87	$103,383	$32,900	$70,483	$18,292,541
8	88	$103,383	$32,774	$70,609	$18,221,932
8	89	$103,383	$32,648	$70,736	$18,151,196
8	90	$103,383	$32,521	$70,862	$18,080,333
8	91	$103,383	$32,394	$70,989	$18,009,344
8	92	$103,383	$32,267	$71,117	$17,938,228
8	93	$103,383	$32,139	$71,244	$17,866,984
8	94	$103,383	$32,012	$71,372	$17,795,612
8	95	$103,383	$31,884	$71,499	$17,724,112
8	96	$103,383	$31,756	$71,628	$17,652,485
9	97	$103,383	$31,627	$71,756	$17,580,729
9	98	$103,383	$31,499	$71,884	$17,508,844
9	99	$103,383	$31,370	$72,013	$17,436,831
9	100	$103,383	$31,241	$72,142	$17,364,689
9	101	$103,383	$31,112	$72,272	$17,292,417
9	102	$103,383	$30,982	$72,401	$17,220,016
9	103	$103,383	$30,853	$72,531	$17,147,486
9	104	$103,383	$30,723	$72,661	$17,074,825
9	105	$103,383	$30,592	$72,791	$17,002,034
9	106	$103,383	$30,462	$72,921	$16,929,113
9	107	$103,383	$30,331	$73,052	$16,856,061
9	108	$103,383	$30,200	$73,183	$16,782,878
10	109	$103,383	$30,069	$73,314	$16,709,564
10	110	$103,383	$29,938	$73,445	$16,636,119
10	111	$103,383	$29,806	$73,577	$16,562,542
10	112	$103,383	$29,675	$73,709	$16,488,833
10	113	$103,383	$29,542	$73,841	$16,414,992
10	114	$103,383	$29,410	$73,973	$16,341,019
10	115	$103,383	$29,278	$74,106	$16,266,913
10	116	$103,383	$29,145	$74,238	$16,192,675
10	117	$103,383	$29,012	$74,371	$16,118,304
10	118	$103,383	$28,879	$74,505	$16,043,799
10	119	$103,383	$28,745	$74,638	$15,969,161
10	120	$103,383	$28,611	$74,772	$15,894,389
11	121	$103,383	$28,477	$74,906	$15,819,483
11	122	$103,383	$28,343	$75,040	$15,744,443
11	123	$103,383	$28,209	$75,174	$15,669,268
11	124	$103,383	$28,074	$75,309	$15,593,959
11	125	$103,383	$27,939	$75,444	$15,518,515
11	126	$103,383	$27,804	$75,579	$15,442,936
11	127	$103,383	$27,669	$75,715	$15,367,221
11	128	$103,383	$27,533	$75,850	$15,291,371
11	129	$103,383	$27,397	$75,986	$15,215,385
11	130	$103,383	$27,261	$76,122	$15,139,262
11	131	$103,383	$27,125	$76,259	$15,063,003
11	132	$103,383	$26,988	$76,395	$14,986,608
12	133	$103,383	$26,851	$76,532	$14,910,076
12	134	$103,383	$26,714	$76,669	$14,833,406
12	135	$103,383	$26,577	$76,807	$14,756,600
12	136	$103,383	$26,439	$76,944	$14,679,655
12	137	$103,383	$26,301	$77,082	$14,602,573
12	138	$103,383	$26,163	$77,220	$14,525,353
12	139	$103,383	$26,025	$77,359	$14,447,994
12	140	$103,383	$25,886	$77,497	$14,370,497
12	141	$103,383	$25,747	$77,636	$14,292,860
12	142	$103,383	$25,608	$77,775	$14,215,085
12	143	$103,383	$25,469	$77,915	$14,137,171
12	144	$103,383	$25,329	$78,054	$14,059,116
13	145	$103,383	$25,189	$78,194	$13,980,922
13	146	$103,383	$25,049	$78,334	$13,902,588
13	147	$103,383	$24,909	$78,474	$13,824,114
13	148	$103,383	$24,768	$78,615	$13,745,499
13	149	$103,383	$24,627	$78,756	$13,666,743
13	150	$103,383	$24,486	$78,897	$13,587,846
13	151	$103,383	$24,345	$79,038	$13,508,807
13	152	$103,383	$24,203	$79,180	$13,429,627
13	153	$103,383	$24,061	$79,322	$13,350,305
13	154	$103,383	$23,919	$79,464	$13,270,841
13	155	$103,383	$23,777	$79,606	$13,191,235
13	156	$103,383	$23,634	$79,749	$13,111,486
14	157	$103,383	$23,491	$79,892	$13,031,594
14	158	$103,383	$23,348	$80,035	$12,951,559
14	159	$103,383	$23,205	$80,178	$12,871,381
14	160	$103,383	$23,061	$80,322	$12,791,059
14	161	$103,383	$22,917	$80,466	$12,710,593
14	162	$103,383	$22,773	$80,610	$12,629,982
14	163	$103,383	$22,629	$80,755	$12,549,228
14	164	$103,383	$22,484	$80,899	$12,468,329
14	165	$103,383	$22,339	$81,044	$12,387,284
14	166	$103,383	$22,194	$81,189	$12,306,095
14	167	$103,383	$22,048	$81,335	$12,224,760
14	168	$103,383	$21,903	$81,481	$12,143,280
15	169	$103,383	$21,757	$81,627	$12,061,653
15	170	$103,383	$21,610	$81,773	$11,979,880
15	171	$103,383	$21,464	$81,919	$11,897,961
15	172	$103,383	$21,317	$82,066	$11,815,895
15	173	$103,383	$21,170	$82,213	$11,733,682
15	174	$103,383	$21,023	$82,360	$11,651,321
15	175	$103,383	$20,875	$82,508	$11,568,813
15	176	$103,383	$20,727	$82,656	$11,486,157
15	177	$103,383	$20,579	$82,804	$11,403,353
15	178	$103,383	$20,431	$82,952	$11,320,401
15	179	$103,383	$20,282	$83,101	$11,237,300
15	180	$103,383	$20,133	$83,250	$11,154,050
16	181	$103,383	$19,984	$83,399	$11,070,651
16	182	$103,383	$19,835	$83,548	$10,987,103
16	183	$103,383	$19,685	$83,698	$10,903,405
16	184	$103,383	$19,535	$83,848	$10,819,557
16	185	$103,383	$19,385	$83,998	$10,735,559
16	186	$103,383	$19,235	$84,149	$10,651,410
16	187	$103,383	$19,084	$84,300	$10,567,110
16	188	$103,383	$18,933	$84,451	$10,482,660
16	189	$103,383	$18,781	$84,602	$10,398,058
16	190	$103,383	$18,630	$84,753	$10,313,305
16	191	$103,383	$18,478	$84,905	$10,228,399
16	192	$103,383	$18,326	$85,057	$10,143,342
17	193	$103,383	$18,173	$85,210	$10,058,132
17	194	$103,383	$18,021	$85,362	$9,972,770
17	195	$103,383	$17,868	$85,515	$9,887,254
17	196	$103,383	$17,715	$85,669	$9,801,586
17	197	$103,383	$17,561	$85,822	$9,715,763
17	198	$103,383	$17,407	$85,976	$9,629,788
17	199	$103,383	$17,253	$86,130	$9,543,658
17	200	$103,383	$17,099	$86,284	$9,457,373
17	201	$103,383	$16,944	$86,439	$9,370,935
17	202	$103,383	$16,790	$86,594	$9,284,341
17	203	$103,383	$16,634	$86,749	$9,197,592
17	204	$103,383	$16,479	$86,904	$9,110,688
18	205	$103,383	$16,323	$87,060	$9,023,628
18	206	$103,383	$16,167	$87,216	$8,936,412
18	207	$103,383	$16,011	$87,372	$8,849,040
18	208	$103,383	$15,855	$87,529	$8,761,511
18	209	$103,383	$15,698	$87,686	$8,673,825
18	210	$103,383	$15,541	$87,843	$8,585,983
18	211	$103,383	$15,383	$88,000	$8,497,983
18	212	$103,383	$15,226	$88,158	$8,409,825
18	213	$103,383	$15,068	$88,316	$8,321,509
18	214	$103,383	$14,909	$88,474	$8,233,035
18	215	$103,383	$14,751	$88,632	$8,144,403
18	216	$103,383	$14,592	$88,791	$8,055,612
19	217	$103,383	$14,433	$88,950	$7,966,661
19	218	$103,383	$14,274	$89,110	$7,877,551
19	219	$103,383	$14,114	$89,269	$7,788,282
19	220	$103,383	$13,954	$89,429	$7,698,853
19	221	$103,383	$13,794	$89,590	$7,609,263
19	222	$103,383	$13,633	$89,750	$7,519,513
19	223	$103,383	$13,472	$89,911	$7,429,603
19	224	$103,383	$13,311	$90,072	$7,339,531
19	225	$103,383	$13,150	$90,233	$7,249,297
19	226	$103,383	$12,988	$90,395	$7,158,902
19	227	$103,383	$12,826	$90,557	$7,068,345
19	228	$103,383	$12,664	$90,719	$6,977,626
20	229	$103,383	$12,502	$90,882	$6,886,745
20	230	$103,383	$12,339	$91,045	$6,795,700
20	231	$103,383	$12,176	$91,208	$6,704,492
20	232	$103,383	$12,012	$91,371	$6,613,121
20	233	$103,383	$11,849	$91,535	$6,521,586
20	234	$103,383	$11,685	$91,699	$6,429,888
20	235	$103,383	$11,520	$91,863	$6,338,025
20	236	$103,383	$11,356	$92,028	$6,245,997
20	237	$103,383	$11,191	$92,193	$6,153,804
20	238	$103,383	$11,026	$92,358	$6,061,447
20	239	$103,383	$10,860	$92,523	$5,968,923
20	240	$103,383	$10,694	$92,689	$5,876,234
21	241	$103,383	$10,528	$92,855	$5,783,379
21	242	$103,383	$10,362	$93,021	$5,690,358
21	243	$103,383	$10,195	$93,188	$5,597,170
21	244	$103,383	$10,028	$93,355	$5,503,815
21	245	$103,383	$9,861	$93,522	$5,410,293
21	246	$103,383	$9,693	$93,690	$5,316,603
21	247	$103,383	$9,526	$93,858	$5,222,745
21	248	$103,383	$9,357	$94,026	$5,128,719
21	249	$103,383	$9,189	$94,194	$5,034,525
21	250	$103,383	$9,020	$94,363	$4,940,162
21	251	$103,383	$8,851	$94,532	$4,845,630
21	252	$103,383	$8,682	$94,702	$4,750,928
22	253	$103,383	$8,512	$94,871	$4,656,057
22	254	$103,383	$8,342	$95,041	$4,561,016
22	255	$103,383	$8,172	$95,211	$4,465,804
22	256	$103,383	$8,001	$95,382	$4,370,422
22	257	$103,383	$7,830	$95,553	$4,274,869
22	258	$103,383	$7,659	$95,724	$4,179,145
22	259	$103,383	$7,488	$95,896	$4,083,249
22	260	$103,383	$7,316	$96,067	$3,987,182
22	261	$103,383	$7,144	$96,240	$3,890,942
22	262	$103,383	$6,971	$96,412	$3,794,530
22	263	$103,383	$6,799	$96,585	$3,697,946
22	264	$103,383	$6,625	$96,758	$3,601,188
23	265	$103,383	$6,452	$96,931	$3,504,257
23	266	$103,383	$6,278	$97,105	$3,407,152
23	267	$103,383	$6,104	$97,279	$3,309,873
23	268	$103,383	$5,930	$97,453	$3,212,420
23	269	$103,383	$5,756	$97,628	$3,114,792
23	270	$103,383	$5,581	$97,803	$3,016,990
23	271	$103,383	$5,405	$97,978	$2,919,012
23	272	$103,383	$5,230	$98,153	$2,820,858
23	273	$103,383	$5,054	$98,329	$2,722,529
23	274	$103,383	$4,878	$98,505	$2,624,024
23	275	$103,383	$4,701	$98,682	$2,525,342
23	276	$103,383	$4,525	$98,859	$2,426,483
24	277	$103,383	$4,347	$99,036	$2,327,447
24	278	$103,383	$4,170	$99,213	$2,228,234
24	279	$103,383	$3,992	$99,391	$2,128,843
24	280	$103,383	$3,814	$99,569	$2,029,274
24	281	$103,383	$3,636	$99,748	$1,929,526
24	282	$103,383	$3,457	$99,926	$1,829,600
24	283	$103,383	$3,278	$100,105	$1,729,495
24	284	$103,383	$3,099	$100,285	$1,629,210
24	285	$103,383	$2,919	$100,464	$1,528,746
24	286	$103,383	$2,739	$100,644	$1,428,102
24	287	$103,383	$2,559	$100,825	$1,327,277
24	288	$103,383	$2,378	$101,005	$1,226,272
25	289	$103,383	$2,197	$101,186	$1,125,085
25	290	$103,383	$2,016	$101,368	$1,023,718
25	291	$103,383	$1,834	$101,549	$922,169
25	292	$103,383	$1,652	$101,731	$820,438
25	293	$103,383	$1,470	$101,913	$718,524
25	294	$103,383	$1,287	$102,096	$616,428
25	295	$103,383	$1,104	$102,279	$514,150
25	296	$103,383	$921	$102,462	$411,687
25	297	$103,383	$738	$102,646	$309,042
25	298	$103,383	$554	$102,830	$206,212
25	299	$103,383	$369	$103,014	$103,198
25	300	$103,383	$185	$103,198	$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$ 15,984,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 16,383,600

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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.