Century 21 Centaland Property

Down Payment (HKD)

$27,432,000

Monthly Repayment (HKD)

$177,428

Loan Amount (HKD)

$41,148,000

Total Interest (HKD)

$12,080,424

Total Repayment (HKD)

$53,228,424

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$177,428	$73,724	$103,705	$41,044,295
1	2	$177,428	$73,538	$103,890	$40,940,405
1	3	$177,428	$73,352	$104,077	$40,836,329
1	4	$177,428	$73,165	$104,263	$40,732,066
1	5	$177,428	$72,978	$104,450	$40,627,616
1	6	$177,428	$72,791	$104,637	$40,522,979
1	7	$177,428	$72,604	$104,824	$40,418,154
1	8	$177,428	$72,416	$105,012	$40,313,142
1	9	$177,428	$72,228	$105,200	$40,207,942
1	10	$177,428	$72,039	$105,389	$40,102,553
1	11	$177,428	$71,850	$105,578	$39,996,975
1	12	$177,428	$71,661	$105,767	$39,891,208
2	13	$177,428	$71,472	$105,956	$39,785,252
2	14	$177,428	$71,282	$106,146	$39,679,106
2	15	$177,428	$71,092	$106,336	$39,572,770
2	16	$177,428	$70,901	$106,527	$39,466,243
2	17	$177,428	$70,710	$106,718	$39,359,525
2	18	$177,428	$70,519	$106,909	$39,252,616
2	19	$177,428	$70,328	$107,100	$39,145,516
2	20	$177,428	$70,136	$107,292	$39,038,223
2	21	$177,428	$69,943	$107,485	$38,930,739
2	22	$177,428	$69,751	$107,677	$38,823,061
2	23	$177,428	$69,558	$107,870	$38,715,191
2	24	$177,428	$69,365	$108,063	$38,607,128
3	25	$177,428	$69,171	$108,257	$38,498,871
3	26	$177,428	$68,977	$108,451	$38,390,420
3	27	$177,428	$68,783	$108,645	$38,281,775
3	28	$177,428	$68,588	$108,840	$38,172,935
3	29	$177,428	$68,393	$109,035	$38,063,900
3	30	$177,428	$68,198	$109,230	$37,954,670
3	31	$177,428	$68,002	$109,426	$37,845,244
3	32	$177,428	$67,806	$109,622	$37,735,622
3	33	$177,428	$67,610	$109,818	$37,625,803
3	34	$177,428	$67,413	$110,015	$37,515,788
3	35	$177,428	$67,216	$110,212	$37,405,576
3	36	$177,428	$67,018	$110,410	$37,295,166
4	37	$177,428	$66,821	$110,608	$37,184,559
4	38	$177,428	$66,622	$110,806	$37,073,753
4	39	$177,428	$66,424	$111,004	$36,962,749
4	40	$177,428	$66,225	$111,203	$36,851,545
4	41	$177,428	$66,026	$111,402	$36,740,143
4	42	$177,428	$65,826	$111,602	$36,628,541
4	43	$177,428	$65,626	$111,802	$36,516,739
4	44	$177,428	$65,426	$112,002	$36,404,737
4	45	$177,428	$65,225	$112,203	$36,292,534
4	46	$177,428	$65,024	$112,404	$36,180,130
4	47	$177,428	$64,823	$112,605	$36,067,525
4	48	$177,428	$64,621	$112,807	$35,954,717
5	49	$177,428	$64,419	$113,009	$35,841,708
5	50	$177,428	$64,216	$113,212	$35,728,497
5	51	$177,428	$64,014	$113,415	$35,615,082
5	52	$177,428	$63,810	$113,618	$35,501,464
5	53	$177,428	$63,607	$113,821	$35,387,643
5	54	$177,428	$63,403	$114,025	$35,273,618
5	55	$177,428	$63,199	$114,230	$35,159,388
5	56	$177,428	$62,994	$114,434	$35,044,954
5	57	$177,428	$62,789	$114,639	$34,930,315
5	58	$177,428	$62,583	$114,845	$34,815,470
5	59	$177,428	$62,378	$115,050	$34,700,420
5	60	$177,428	$62,172	$115,256	$34,585,163
6	61	$177,428	$61,965	$115,463	$34,469,700
6	62	$177,428	$61,758	$115,670	$34,354,031
6	63	$177,428	$61,551	$115,877	$34,238,154
6	64	$177,428	$61,343	$116,085	$34,122,069
6	65	$177,428	$61,135	$116,293	$34,005,776
6	66	$177,428	$60,927	$116,501	$33,889,275
6	67	$177,428	$60,718	$116,710	$33,772,565
6	68	$177,428	$60,509	$116,919	$33,655,646
6	69	$177,428	$60,300	$117,128	$33,538,518
6	70	$177,428	$60,090	$117,338	$33,421,180
6	71	$177,428	$59,880	$117,548	$33,303,631
6	72	$177,428	$59,669	$117,759	$33,185,872
7	73	$177,428	$59,458	$117,970	$33,067,902
7	74	$177,428	$59,247	$118,181	$32,949,721
7	75	$177,428	$59,035	$118,393	$32,831,328
7	76	$177,428	$58,823	$118,605	$32,712,722
7	77	$177,428	$58,610	$118,818	$32,593,904
7	78	$177,428	$58,397	$119,031	$32,474,874
7	79	$177,428	$58,184	$119,244	$32,355,630
7	80	$177,428	$57,971	$119,458	$32,236,172
7	81	$177,428	$57,756	$119,672	$32,116,501
7	82	$177,428	$57,542	$119,886	$31,996,615
7	83	$177,428	$57,327	$120,101	$31,876,514
7	84	$177,428	$57,112	$120,316	$31,756,198
8	85	$177,428	$56,897	$120,532	$31,635,666
8	86	$177,428	$56,681	$120,748	$31,514,919
8	87	$177,428	$56,464	$120,964	$31,393,955
8	88	$177,428	$56,248	$121,181	$31,272,774
8	89	$177,428	$56,030	$121,398	$31,151,377
8	90	$177,428	$55,813	$121,615	$31,029,761
8	91	$177,428	$55,595	$121,833	$30,907,928
8	92	$177,428	$55,377	$122,051	$30,785,877
8	93	$177,428	$55,158	$122,270	$30,663,607
8	94	$177,428	$54,939	$122,489	$30,541,118
8	95	$177,428	$54,720	$122,709	$30,418,409
8	96	$177,428	$54,500	$122,928	$30,295,481
9	97	$177,428	$54,279	$123,149	$30,172,332
9	98	$177,428	$54,059	$123,369	$30,048,963
9	99	$177,428	$53,838	$123,590	$29,925,372
9	100	$177,428	$53,616	$123,812	$29,801,561
9	101	$177,428	$53,394	$124,034	$29,677,527
9	102	$177,428	$53,172	$124,256	$29,553,271
9	103	$177,428	$52,950	$124,478	$29,428,793
9	104	$177,428	$52,727	$124,701	$29,304,091
9	105	$177,428	$52,503	$124,925	$29,179,166
9	106	$177,428	$52,279	$125,149	$29,054,018
9	107	$177,428	$52,055	$125,373	$28,928,645
9	108	$177,428	$51,830	$125,598	$28,803,047
10	109	$177,428	$51,605	$125,823	$28,677,224
10	110	$177,428	$51,380	$126,048	$28,551,176
10	111	$177,428	$51,154	$126,274	$28,424,902
10	112	$177,428	$50,928	$126,500	$28,298,402
10	113	$177,428	$50,701	$126,727	$28,171,676
10	114	$177,428	$50,474	$126,954	$28,044,722
10	115	$177,428	$50,247	$127,181	$27,917,540
10	116	$177,428	$50,019	$127,409	$27,790,131
10	117	$177,428	$49,791	$127,637	$27,662,494
10	118	$177,428	$49,562	$127,866	$27,534,628
10	119	$177,428	$49,333	$128,095	$27,406,533
10	120	$177,428	$49,103	$128,325	$27,278,208
11	121	$177,428	$48,873	$128,555	$27,149,653
11	122	$177,428	$48,643	$128,785	$27,020,868
11	123	$177,428	$48,412	$129,016	$26,891,853
11	124	$177,428	$48,181	$129,247	$26,762,606
11	125	$177,428	$47,950	$129,478	$26,633,127
11	126	$177,428	$47,718	$129,710	$26,503,417
11	127	$177,428	$47,485	$129,943	$26,373,474
11	128	$177,428	$47,252	$130,176	$26,243,299
11	129	$177,428	$47,019	$130,409	$26,112,890
11	130	$177,428	$46,786	$130,642	$25,982,247
11	131	$177,428	$46,552	$130,877	$25,851,371
11	132	$177,428	$46,317	$131,111	$25,720,260
12	133	$177,428	$46,082	$131,346	$25,588,914
12	134	$177,428	$45,847	$131,581	$25,457,332
12	135	$177,428	$45,611	$131,817	$25,325,515
12	136	$177,428	$45,375	$132,053	$25,193,462
12	137	$177,428	$45,138	$132,290	$25,061,172
12	138	$177,428	$44,901	$132,527	$24,928,646
12	139	$177,428	$44,664	$132,764	$24,795,881
12	140	$177,428	$44,426	$133,002	$24,662,879
12	141	$177,428	$44,188	$133,240	$24,529,639
12	142	$177,428	$43,949	$133,479	$24,396,160
12	143	$177,428	$43,710	$133,718	$24,262,441
12	144	$177,428	$43,470	$133,958	$24,128,483
13	145	$177,428	$43,230	$134,198	$23,994,286
13	146	$177,428	$42,990	$134,438	$23,859,847
13	147	$177,428	$42,749	$134,679	$23,725,168
13	148	$177,428	$42,508	$134,920	$23,590,248
13	149	$177,428	$42,266	$135,162	$23,455,085
13	150	$177,428	$42,024	$135,404	$23,319,681
13	151	$177,428	$41,781	$135,647	$23,184,034
13	152	$177,428	$41,538	$135,890	$23,048,144
13	153	$177,428	$41,295	$136,133	$22,912,010
13	154	$177,428	$41,051	$136,377	$22,775,633
13	155	$177,428	$40,806	$136,622	$22,639,011
13	156	$177,428	$40,562	$136,867	$22,502,145
14	157	$177,428	$40,316	$137,112	$22,365,033
14	158	$177,428	$40,071	$137,357	$22,227,676
14	159	$177,428	$39,825	$137,603	$22,090,072
14	160	$177,428	$39,578	$137,850	$21,952,222
14	161	$177,428	$39,331	$138,097	$21,814,125
14	162	$177,428	$39,084	$138,344	$21,675,781
14	163	$177,428	$38,836	$138,592	$21,537,188
14	164	$177,428	$38,587	$138,841	$21,398,348
14	165	$177,428	$38,339	$139,089	$21,259,258
14	166	$177,428	$38,090	$139,339	$21,119,920
14	167	$177,428	$37,840	$139,588	$20,980,332
14	168	$177,428	$37,590	$139,838	$20,840,493
15	169	$177,428	$37,339	$140,089	$20,700,404
15	170	$177,428	$37,088	$140,340	$20,560,065
15	171	$177,428	$36,837	$140,591	$20,419,473
15	172	$177,428	$36,585	$140,843	$20,278,630
15	173	$177,428	$36,333	$141,096	$20,137,535
15	174	$177,428	$36,080	$141,348	$19,996,186
15	175	$177,428	$35,827	$141,602	$19,854,585
15	176	$177,428	$35,573	$141,855	$19,712,729
15	177	$177,428	$35,319	$142,109	$19,570,620
15	178	$177,428	$35,064	$142,364	$19,428,256
15	179	$177,428	$34,809	$142,619	$19,285,637
15	180	$177,428	$34,553	$142,875	$19,142,762
16	181	$177,428	$34,297	$143,131	$18,999,631
16	182	$177,428	$34,041	$143,387	$18,856,244
16	183	$177,428	$33,784	$143,644	$18,712,600
16	184	$177,428	$33,527	$143,901	$18,568,699
16	185	$177,428	$33,269	$144,159	$18,424,540
16	186	$177,428	$33,011	$144,417	$18,280,122
16	187	$177,428	$32,752	$144,676	$18,135,446
16	188	$177,428	$32,493	$144,935	$17,990,511
16	189	$177,428	$32,233	$145,195	$17,845,316
16	190	$177,428	$31,973	$145,455	$17,699,861
16	191	$177,428	$31,712	$145,716	$17,554,145
16	192	$177,428	$31,451	$145,977	$17,408,168
17	193	$177,428	$31,190	$146,238	$17,261,929
17	194	$177,428	$30,928	$146,500	$17,115,429
17	195	$177,428	$30,665	$146,763	$16,968,666
17	196	$177,428	$30,402	$147,026	$16,821,640
17	197	$177,428	$30,139	$147,289	$16,674,351
17	198	$177,428	$29,875	$147,553	$16,526,798
17	199	$177,428	$29,611	$147,818	$16,378,980
17	200	$177,428	$29,346	$148,082	$16,230,898
17	201	$177,428	$29,080	$148,348	$16,082,550
17	202	$177,428	$28,815	$148,614	$15,933,936
17	203	$177,428	$28,548	$148,880	$15,785,057
17	204	$177,428	$28,282	$149,147	$15,635,910
18	205	$177,428	$28,014	$149,414	$15,486,496
18	206	$177,428	$27,747	$149,681	$15,336,815
18	207	$177,428	$27,478	$149,950	$15,186,865
18	208	$177,428	$27,210	$150,218	$15,036,647
18	209	$177,428	$26,941	$150,487	$14,886,160
18	210	$177,428	$26,671	$150,757	$14,735,403
18	211	$177,428	$26,401	$151,027	$14,584,375
18	212	$177,428	$26,130	$151,298	$14,433,078
18	213	$177,428	$25,859	$151,569	$14,281,509
18	214	$177,428	$25,588	$151,840	$14,129,668
18	215	$177,428	$25,316	$152,112	$13,977,556
18	216	$177,428	$25,043	$152,385	$13,825,171
19	217	$177,428	$24,770	$152,658	$13,672,513
19	218	$177,428	$24,497	$152,931	$13,519,582
19	219	$177,428	$24,223	$153,205	$13,366,376
19	220	$177,428	$23,948	$153,480	$13,212,896
19	221	$177,428	$23,673	$153,755	$13,059,141
19	222	$177,428	$23,398	$154,030	$12,905,111
19	223	$177,428	$23,122	$154,306	$12,750,804
19	224	$177,428	$22,845	$154,583	$12,596,221
19	225	$177,428	$22,568	$154,860	$12,441,362
19	226	$177,428	$22,291	$155,137	$12,286,224
19	227	$177,428	$22,013	$155,415	$12,130,809
19	228	$177,428	$21,734	$155,694	$11,975,115
20	229	$177,428	$21,455	$155,973	$11,819,143
20	230	$177,428	$21,176	$156,252	$11,662,890
20	231	$177,428	$20,896	$156,532	$11,506,358
20	232	$177,428	$20,616	$156,813	$11,349,546
20	233	$177,428	$20,335	$157,093	$11,192,452
20	234	$177,428	$20,053	$157,375	$11,035,077
20	235	$177,428	$19,771	$157,657	$10,877,421
20	236	$177,428	$19,489	$157,939	$10,719,481
20	237	$177,428	$19,206	$158,222	$10,561,259
20	238	$177,428	$18,922	$158,506	$10,402,753
20	239	$177,428	$18,638	$158,790	$10,243,963
20	240	$177,428	$18,354	$159,074	$10,084,889
21	241	$177,428	$18,069	$159,359	$9,925,530
21	242	$177,428	$17,783	$159,645	$9,765,885
21	243	$177,428	$17,497	$159,931	$9,605,954
21	244	$177,428	$17,211	$160,217	$9,445,736
21	245	$177,428	$16,924	$160,504	$9,285,232
21	246	$177,428	$16,636	$160,792	$9,124,440
21	247	$177,428	$16,348	$161,080	$8,963,360
21	248	$177,428	$16,059	$161,369	$8,801,991
21	249	$177,428	$15,770	$161,658	$8,640,333
21	250	$177,428	$15,481	$161,947	$8,478,386
21	251	$177,428	$15,190	$162,238	$8,316,148
21	252	$177,428	$14,900	$162,528	$8,153,620
22	253	$177,428	$14,609	$162,820	$7,990,800
22	254	$177,428	$14,317	$163,111	$7,827,689
22	255	$177,428	$14,025	$163,403	$7,664,286
22	256	$177,428	$13,732	$163,696	$7,500,589
22	257	$177,428	$13,439	$163,990	$7,336,600
22	258	$177,428	$13,145	$164,283	$7,172,317
22	259	$177,428	$12,850	$164,578	$7,007,739
22	260	$177,428	$12,556	$164,873	$6,842,866
22	261	$177,428	$12,260	$165,168	$6,677,698
22	262	$177,428	$11,964	$165,464	$6,512,234
22	263	$177,428	$11,668	$165,760	$6,346,474
22	264	$177,428	$11,371	$166,057	$6,180,417
23	265	$177,428	$11,073	$166,355	$6,014,062
23	266	$177,428	$10,775	$166,653	$5,847,409
23	267	$177,428	$10,477	$166,951	$5,680,458
23	268	$177,428	$10,177	$167,251	$5,513,207
23	269	$177,428	$9,878	$167,550	$5,345,657
23	270	$177,428	$9,578	$167,850	$5,177,806
23	271	$177,428	$9,277	$168,151	$5,009,655
23	272	$177,428	$8,976	$168,452	$4,841,203
23	273	$177,428	$8,674	$168,754	$4,672,448
23	274	$177,428	$8,371	$169,057	$4,503,392
23	275	$177,428	$8,069	$169,360	$4,334,032
23	276	$177,428	$7,765	$169,663	$4,164,369
24	277	$177,428	$7,461	$169,967	$3,994,403
24	278	$177,428	$7,157	$170,271	$3,824,131
24	279	$177,428	$6,852	$170,577	$3,653,555
24	280	$177,428	$6,546	$170,882	$3,482,672
24	281	$177,428	$6,240	$171,188	$3,311,484
24	282	$177,428	$5,933	$171,495	$3,139,989
24	283	$177,428	$5,626	$171,802	$2,968,187
24	284	$177,428	$5,318	$172,110	$2,796,077
24	285	$177,428	$5,010	$172,418	$2,623,658
24	286	$177,428	$4,701	$172,727	$2,450,931
24	287	$177,428	$4,391	$173,037	$2,277,894
24	288	$177,428	$4,081	$173,347	$2,104,547
25	289	$177,428	$3,771	$173,657	$1,930,890
25	290	$177,428	$3,460	$173,969	$1,756,921
25	291	$177,428	$3,148	$174,280	$1,582,641
25	292	$177,428	$2,836	$174,593	$1,408,049
25	293	$177,428	$2,523	$174,905	$1,233,143
25	294	$177,428	$2,209	$175,219	$1,057,925
25	295	$177,428	$1,895	$175,533	$882,392
25	296	$177,428	$1,581	$175,847	$706,545
25	297	$177,428	$1,266	$176,162	$530,383
25	298	$177,428	$950	$176,478	$353,905
25	299	$177,428	$634	$176,794	$177,111
25	300	$177,428	$317	$177,111	$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$ 27,432,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 28,117,800

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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.