Century 21 Centaland Property

Down Payment (HKD)

$45,512,000

Monthly Repayment (HKD)

$294,368

Loan Amount (HKD)

$68,268,000

Total Interest (HKD)

$20,042,442

Total Repayment (HKD)

$88,310,442

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$294,368	$122,314	$172,055	$68,095,945
1	2	$294,368	$122,005	$172,363	$67,923,582
1	3	$294,368	$121,696	$172,672	$67,750,911
1	4	$294,368	$121,387	$172,981	$67,577,930
1	5	$294,368	$121,077	$173,291	$67,404,639
1	6	$294,368	$120,767	$173,601	$67,231,037
1	7	$294,368	$120,456	$173,913	$67,057,125
1	8	$294,368	$120,144	$174,224	$66,882,900
1	9	$294,368	$119,832	$174,536	$66,708,364
1	10	$294,368	$119,519	$174,849	$66,533,515
1	11	$294,368	$119,206	$175,162	$66,358,353
1	12	$294,368	$118,892	$175,476	$66,182,877
2	13	$294,368	$118,578	$175,790	$66,007,086
2	14	$294,368	$118,263	$176,105	$65,830,981
2	15	$294,368	$117,947	$176,421	$65,654,560
2	16	$294,368	$117,631	$176,737	$65,477,823
2	17	$294,368	$117,314	$177,054	$65,300,769
2	18	$294,368	$116,997	$177,371	$65,123,398
2	19	$294,368	$116,679	$177,689	$64,945,710
2	20	$294,368	$116,361	$178,007	$64,767,703
2	21	$294,368	$116,042	$178,326	$64,589,377
2	22	$294,368	$115,723	$178,646	$64,410,731
2	23	$294,368	$115,403	$178,966	$64,231,765
2	24	$294,368	$115,082	$179,286	$64,052,479
3	25	$294,368	$114,761	$179,607	$63,872,872
3	26	$294,368	$114,439	$179,929	$63,692,943
3	27	$294,368	$114,117	$180,252	$63,512,691
3	28	$294,368	$113,794	$180,575	$63,332,116
3	29	$294,368	$113,470	$180,898	$63,151,218
3	30	$294,368	$113,146	$181,222	$62,969,996
3	31	$294,368	$112,821	$181,547	$62,788,449
3	32	$294,368	$112,496	$181,872	$62,606,577
3	33	$294,368	$112,170	$182,198	$62,424,379
3	34	$294,368	$111,844	$182,524	$62,241,854
3	35	$294,368	$111,517	$182,851	$62,059,003
3	36	$294,368	$111,189	$183,179	$61,875,824
4	37	$294,368	$110,861	$183,507	$61,692,317
4	38	$294,368	$110,532	$183,836	$61,508,481
4	39	$294,368	$110,203	$184,165	$61,324,315
4	40	$294,368	$109,873	$184,495	$61,139,820
4	41	$294,368	$109,542	$184,826	$60,954,994
4	42	$294,368	$109,211	$185,157	$60,769,837
4	43	$294,368	$108,879	$185,489	$60,584,348
4	44	$294,368	$108,547	$185,821	$60,398,527
4	45	$294,368	$108,214	$186,154	$60,212,372
4	46	$294,368	$107,881	$186,488	$60,025,885
4	47	$294,368	$107,546	$186,822	$59,839,063
4	48	$294,368	$107,212	$187,156	$59,651,907
5	49	$294,368	$106,876	$187,492	$59,464,415
5	50	$294,368	$106,540	$187,828	$59,276,587
5	51	$294,368	$106,204	$188,164	$59,088,423
5	52	$294,368	$105,867	$188,501	$58,899,921
5	53	$294,368	$105,529	$188,839	$58,711,082
5	54	$294,368	$105,191	$189,177	$58,521,905
5	55	$294,368	$104,852	$189,516	$58,332,388
5	56	$294,368	$104,512	$189,856	$58,142,533
5	57	$294,368	$104,172	$190,196	$57,952,336
5	58	$294,368	$103,831	$190,537	$57,761,800
5	59	$294,368	$103,490	$190,878	$57,570,921
5	60	$294,368	$103,148	$191,220	$57,379,701
6	61	$294,368	$102,805	$191,563	$57,188,138
6	62	$294,368	$102,462	$191,906	$56,996,232
6	63	$294,368	$102,118	$192,250	$56,803,982
6	64	$294,368	$101,774	$192,594	$56,611,388
6	65	$294,368	$101,429	$192,939	$56,418,449
6	66	$294,368	$101,083	$193,285	$56,225,163
6	67	$294,368	$100,737	$193,631	$56,031,532
6	68	$294,368	$100,390	$193,978	$55,837,554
6	69	$294,368	$100,042	$194,326	$55,643,228
6	70	$294,368	$99,694	$194,674	$55,448,554
6	71	$294,368	$99,345	$195,023	$55,253,531
6	72	$294,368	$98,996	$195,372	$55,058,159
7	73	$294,368	$98,646	$195,722	$54,862,437
7	74	$294,368	$98,295	$196,073	$54,666,364
7	75	$294,368	$97,944	$196,424	$54,469,939
7	76	$294,368	$97,592	$196,776	$54,273,163
7	77	$294,368	$97,239	$197,129	$54,076,035
7	78	$294,368	$96,886	$197,482	$53,878,553
7	79	$294,368	$96,532	$197,836	$53,680,717
7	80	$294,368	$96,178	$198,190	$53,482,527
7	81	$294,368	$95,823	$198,545	$53,283,981
7	82	$294,368	$95,467	$198,901	$53,085,080
7	83	$294,368	$95,111	$199,257	$52,885,823
7	84	$294,368	$94,754	$199,614	$52,686,209
8	85	$294,368	$94,396	$199,972	$52,486,237
8	86	$294,368	$94,038	$200,330	$52,285,906
8	87	$294,368	$93,679	$200,689	$52,085,217
8	88	$294,368	$93,319	$201,049	$51,884,168
8	89	$294,368	$92,959	$201,409	$51,682,759
8	90	$294,368	$92,598	$201,770	$51,480,989
8	91	$294,368	$92,237	$202,131	$51,278,858
8	92	$294,368	$91,875	$202,494	$51,076,365
8	93	$294,368	$91,512	$202,856	$50,873,508
8	94	$294,368	$91,148	$203,220	$50,670,289
8	95	$294,368	$90,784	$203,584	$50,466,705
8	96	$294,368	$90,420	$203,949	$50,262,756
9	97	$294,368	$90,054	$204,314	$50,058,442
9	98	$294,368	$89,688	$204,680	$49,853,762
9	99	$294,368	$89,321	$205,047	$49,648,715
9	100	$294,368	$88,954	$205,414	$49,443,301
9	101	$294,368	$88,586	$205,782	$49,237,519
9	102	$294,368	$88,217	$206,151	$49,031,368
9	103	$294,368	$87,848	$206,520	$48,824,847
9	104	$294,368	$87,478	$206,890	$48,617,957
9	105	$294,368	$87,107	$207,261	$48,410,696
9	106	$294,368	$86,736	$207,632	$48,203,064
9	107	$294,368	$86,364	$208,004	$47,995,060
9	108	$294,368	$85,991	$208,377	$47,786,683
10	109	$294,368	$85,618	$208,750	$47,577,932
10	110	$294,368	$85,244	$209,124	$47,368,808
10	111	$294,368	$84,869	$209,499	$47,159,309
10	112	$294,368	$84,494	$209,874	$46,949,435
10	113	$294,368	$84,118	$210,250	$46,739,184
10	114	$294,368	$83,741	$210,627	$46,528,557
10	115	$294,368	$83,364	$211,004	$46,317,553
10	116	$294,368	$82,986	$211,383	$46,106,170
10	117	$294,368	$82,607	$211,761	$45,894,409
10	118	$294,368	$82,227	$212,141	$45,682,268
10	119	$294,368	$81,847	$212,521	$45,469,747
10	120	$294,368	$81,467	$212,902	$45,256,846
11	121	$294,368	$81,085	$213,283	$45,043,563
11	122	$294,368	$80,703	$213,665	$44,829,898
11	123	$294,368	$80,320	$214,048	$44,615,850
11	124	$294,368	$79,937	$214,431	$44,401,419
11	125	$294,368	$79,553	$214,816	$44,186,603
11	126	$294,368	$79,168	$215,200	$43,971,402
11	127	$294,368	$78,782	$215,586	$43,755,816
11	128	$294,368	$78,396	$215,972	$43,539,844
11	129	$294,368	$78,009	$216,359	$43,323,485
11	130	$294,368	$77,621	$216,747	$43,106,738
11	131	$294,368	$77,233	$217,135	$42,889,603
11	132	$294,368	$76,844	$217,524	$42,672,078
12	133	$294,368	$76,454	$217,914	$42,454,164
12	134	$294,368	$76,064	$218,304	$42,235,860
12	135	$294,368	$75,673	$218,696	$42,017,164
12	136	$294,368	$75,281	$219,087	$41,798,077
12	137	$294,368	$74,888	$219,480	$41,578,597
12	138	$294,368	$74,495	$219,873	$41,358,724
12	139	$294,368	$74,101	$220,267	$41,138,457
12	140	$294,368	$73,706	$220,662	$40,917,795
12	141	$294,368	$73,311	$221,057	$40,696,738
12	142	$294,368	$72,915	$221,453	$40,475,285
12	143	$294,368	$72,518	$221,850	$40,253,435
12	144	$294,368	$72,121	$222,247	$40,031,188
13	145	$294,368	$71,723	$222,646	$39,808,542
13	146	$294,368	$71,324	$223,045	$39,585,498
13	147	$294,368	$70,924	$223,444	$39,362,053
13	148	$294,368	$70,524	$223,844	$39,138,209
13	149	$294,368	$70,123	$224,246	$38,913,963
13	150	$294,368	$69,721	$224,647	$38,689,316
13	151	$294,368	$69,318	$225,050	$38,464,266
13	152	$294,368	$68,915	$225,453	$38,238,813
13	153	$294,368	$68,511	$225,857	$38,012,956
13	154	$294,368	$68,107	$226,262	$37,786,695
13	155	$294,368	$67,701	$226,667	$37,560,028
13	156	$294,368	$67,295	$227,073	$37,332,955
14	157	$294,368	$66,888	$227,480	$37,105,475
14	158	$294,368	$66,481	$227,887	$36,877,587
14	159	$294,368	$66,072	$228,296	$36,649,292
14	160	$294,368	$65,663	$228,705	$36,420,587
14	161	$294,368	$65,254	$229,115	$36,191,472
14	162	$294,368	$64,843	$229,525	$35,961,947
14	163	$294,368	$64,432	$229,936	$35,732,011
14	164	$294,368	$64,020	$230,348	$35,501,662
14	165	$294,368	$63,607	$230,761	$35,270,901
14	166	$294,368	$63,194	$231,174	$35,039,727
14	167	$294,368	$62,780	$231,589	$34,808,138
14	168	$294,368	$62,365	$232,004	$34,576,135
15	169	$294,368	$61,949	$232,419	$34,343,716
15	170	$294,368	$61,532	$232,836	$34,110,880
15	171	$294,368	$61,115	$233,253	$33,877,627
15	172	$294,368	$60,697	$233,671	$33,643,956
15	173	$294,368	$60,279	$234,089	$33,409,867
15	174	$294,368	$59,859	$234,509	$33,175,358
15	175	$294,368	$59,439	$234,929	$32,940,429
15	176	$294,368	$59,018	$235,350	$32,705,079
15	177	$294,368	$58,597	$235,772	$32,469,308
15	178	$294,368	$58,174	$236,194	$32,233,114
15	179	$294,368	$57,751	$236,617	$31,996,497
15	180	$294,368	$57,327	$237,041	$31,759,456
16	181	$294,368	$56,902	$237,466	$31,521,990
16	182	$294,368	$56,477	$237,891	$31,284,099
16	183	$294,368	$56,051	$238,317	$31,045,781
16	184	$294,368	$55,624	$238,744	$30,807,037
16	185	$294,368	$55,196	$239,172	$30,567,865
16	186	$294,368	$54,767	$239,601	$30,328,264
16	187	$294,368	$54,338	$240,030	$30,088,234
16	188	$294,368	$53,908	$240,460	$29,847,774
16	189	$294,368	$53,477	$240,891	$29,606,883
16	190	$294,368	$53,046	$241,322	$29,365,560
16	191	$294,368	$52,613	$241,755	$29,123,806
16	192	$294,368	$52,180	$242,188	$28,881,618
17	193	$294,368	$51,746	$242,622	$28,638,996
17	194	$294,368	$51,312	$243,057	$28,395,939
17	195	$294,368	$50,876	$243,492	$28,152,447
17	196	$294,368	$50,440	$243,928	$27,908,519
17	197	$294,368	$50,003	$244,365	$27,664,153
17	198	$294,368	$49,565	$244,803	$27,419,350
17	199	$294,368	$49,126	$245,242	$27,174,108
17	200	$294,368	$48,687	$245,681	$26,928,427
17	201	$294,368	$48,247	$246,121	$26,682,306
17	202	$294,368	$47,806	$246,562	$26,435,743
17	203	$294,368	$47,364	$247,004	$26,188,739
17	204	$294,368	$46,921	$247,447	$25,941,293
18	205	$294,368	$46,478	$247,890	$25,693,403
18	206	$294,368	$46,034	$248,334	$25,445,069
18	207	$294,368	$45,589	$248,779	$25,196,290
18	208	$294,368	$45,143	$249,225	$24,947,065
18	209	$294,368	$44,697	$249,671	$24,697,393
18	210	$294,368	$44,249	$250,119	$24,447,275
18	211	$294,368	$43,801	$250,567	$24,196,708
18	212	$294,368	$43,352	$251,016	$23,945,692
18	213	$294,368	$42,903	$251,465	$23,694,227
18	214	$294,368	$42,452	$251,916	$23,442,311
18	215	$294,368	$42,001	$252,367	$23,189,944
18	216	$294,368	$41,549	$252,819	$22,937,124
19	217	$294,368	$41,096	$253,272	$22,683,852
19	218	$294,368	$40,642	$253,726	$22,430,125
19	219	$294,368	$40,187	$254,181	$22,175,945
19	220	$294,368	$39,732	$254,636	$21,921,308
19	221	$294,368	$39,276	$255,092	$21,666,216
19	222	$294,368	$38,819	$255,550	$21,410,666
19	223	$294,368	$38,361	$256,007	$21,154,659
19	224	$294,368	$37,902	$256,466	$20,898,193
19	225	$294,368	$37,443	$256,926	$20,641,267
19	226	$294,368	$36,982	$257,386	$20,383,882
19	227	$294,368	$36,521	$257,847	$20,126,035
19	228	$294,368	$36,059	$258,309	$19,867,726
20	229	$294,368	$35,596	$258,772	$19,608,954
20	230	$294,368	$35,133	$259,235	$19,349,718
20	231	$294,368	$34,668	$259,700	$19,090,018
20	232	$294,368	$34,203	$260,165	$18,829,853
20	233	$294,368	$33,737	$260,631	$18,569,222
20	234	$294,368	$33,270	$261,098	$18,308,124
20	235	$294,368	$32,802	$261,566	$18,046,558
20	236	$294,368	$32,333	$262,035	$17,784,523
20	237	$294,368	$31,864	$262,504	$17,522,019
20	238	$294,368	$31,394	$262,975	$17,259,044
20	239	$294,368	$30,922	$263,446	$16,995,598
20	240	$294,368	$30,450	$263,918	$16,731,681
21	241	$294,368	$29,978	$264,391	$16,467,290
21	242	$294,368	$29,504	$264,864	$16,202,426
21	243	$294,368	$29,029	$265,339	$15,937,087
21	244	$294,368	$28,554	$265,814	$15,671,273
21	245	$294,368	$28,078	$266,290	$15,404,982
21	246	$294,368	$27,601	$266,768	$15,138,215
21	247	$294,368	$27,123	$267,246	$14,870,969
21	248	$294,368	$26,644	$267,724	$14,603,245
21	249	$294,368	$26,164	$268,204	$14,335,041
21	250	$294,368	$25,684	$268,685	$14,066,357
21	251	$294,368	$25,202	$269,166	$13,797,191
21	252	$294,368	$24,720	$269,648	$13,527,543
22	253	$294,368	$24,237	$270,131	$13,257,411
22	254	$294,368	$23,753	$270,615	$12,986,796
22	255	$294,368	$23,268	$271,100	$12,715,696
22	256	$294,368	$22,782	$271,586	$12,444,110
22	257	$294,368	$22,296	$272,072	$12,172,038
22	258	$294,368	$21,808	$272,560	$11,899,478
22	259	$294,368	$21,320	$273,048	$11,626,429
22	260	$294,368	$20,831	$273,537	$11,352,892
22	261	$294,368	$20,341	$274,028	$11,078,864
22	262	$294,368	$19,850	$274,519	$10,804,346
22	263	$294,368	$19,358	$275,010	$10,529,336
22	264	$294,368	$18,865	$275,503	$10,253,832
23	265	$294,368	$18,371	$275,997	$9,977,836
23	266	$294,368	$17,877	$276,491	$9,701,345
23	267	$294,368	$17,382	$276,987	$9,424,358
23	268	$294,368	$16,885	$277,483	$9,146,875
23	269	$294,368	$16,388	$277,980	$8,868,895
23	270	$294,368	$15,890	$278,478	$8,590,417
23	271	$294,368	$15,391	$278,977	$8,311,440
23	272	$294,368	$14,891	$279,477	$8,031,963
23	273	$294,368	$14,391	$279,978	$7,751,986
23	274	$294,368	$13,889	$280,479	$7,471,507
23	275	$294,368	$13,386	$280,982	$7,190,525
23	276	$294,368	$12,883	$281,485	$6,909,040
24	277	$294,368	$12,379	$281,989	$6,627,050
24	278	$294,368	$11,873	$282,495	$6,344,556
24	279	$294,368	$11,367	$283,001	$6,061,555
24	280	$294,368	$10,860	$283,508	$5,778,047
24	281	$294,368	$10,352	$284,016	$5,494,031
24	282	$294,368	$9,843	$284,525	$5,209,507
24	283	$294,368	$9,334	$285,034	$4,924,472
24	284	$294,368	$8,823	$285,545	$4,638,927
24	285	$294,368	$8,311	$286,057	$4,352,870
24	286	$294,368	$7,799	$286,569	$4,066,301
24	287	$294,368	$7,285	$287,083	$3,779,218
24	288	$294,368	$6,771	$287,597	$3,491,621
25	289	$294,368	$6,256	$288,112	$3,203,509
25	290	$294,368	$5,740	$288,629	$2,914,881
25	291	$294,368	$5,222	$289,146	$2,625,735
25	292	$294,368	$4,704	$289,664	$2,336,071
25	293	$294,368	$4,185	$290,183	$2,045,889
25	294	$294,368	$3,666	$290,703	$1,755,186
25	295	$294,368	$3,145	$291,223	$1,463,963
25	296	$294,368	$2,623	$291,745	$1,172,217
25	297	$294,368	$2,100	$292,268	$879,949
25	298	$294,368	$1,577	$292,792	$587,158
25	299	$294,368	$1,052	$293,316	$293,842
25	300	$294,368	$526	$293,842	$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$ 45,512,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 46,649,800

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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.