Century 21 Centaland Property

Down Payment (HKD)

$15,552,000

Monthly Repayment (HKD)

$100,589

Loan Amount (HKD)

$23,328,000

Total Interest (HKD)

$6,848,744

Total Repayment (HKD)

$30,176,744

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$100,589	$41,796	$58,793	$23,269,207
1	2	$100,589	$41,691	$58,898	$23,210,308
1	3	$100,589	$41,585	$59,004	$23,151,304
1	4	$100,589	$41,479	$59,110	$23,092,195
1	5	$100,589	$41,374	$59,216	$23,032,979
1	6	$100,589	$41,267	$59,322	$22,973,657
1	7	$100,589	$41,161	$59,428	$22,914,229
1	8	$100,589	$41,055	$59,534	$22,854,695
1	9	$100,589	$40,948	$59,641	$22,795,054
1	10	$100,589	$40,841	$59,748	$22,735,306
1	11	$100,589	$40,734	$59,855	$22,675,451
1	12	$100,589	$40,627	$59,962	$22,615,488
2	13	$100,589	$40,519	$60,070	$22,555,419
2	14	$100,589	$40,412	$60,177	$22,495,241
2	15	$100,589	$40,304	$60,285	$22,434,956
2	16	$100,589	$40,196	$60,393	$22,374,563
2	17	$100,589	$40,088	$60,501	$22,314,061
2	18	$100,589	$39,979	$60,610	$22,253,452
2	19	$100,589	$39,871	$60,718	$22,192,733
2	20	$100,589	$39,762	$60,827	$22,131,906
2	21	$100,589	$39,653	$60,936	$22,070,970
2	22	$100,589	$39,544	$61,045	$22,009,925
2	23	$100,589	$39,434	$61,155	$21,948,770
2	24	$100,589	$39,325	$61,264	$21,887,506
3	25	$100,589	$39,215	$61,374	$21,826,132
3	26	$100,589	$39,105	$61,484	$21,764,648
3	27	$100,589	$38,995	$61,594	$21,703,053
3	28	$100,589	$38,885	$61,705	$21,641,349
3	29	$100,589	$38,774	$61,815	$21,579,534
3	30	$100,589	$38,663	$61,926	$21,517,608
3	31	$100,589	$38,552	$62,037	$21,455,571
3	32	$100,589	$38,441	$62,148	$21,393,423
3	33	$100,589	$38,330	$62,259	$21,331,164
3	34	$100,589	$38,218	$62,371	$21,268,793
3	35	$100,589	$38,107	$62,483	$21,206,311
3	36	$100,589	$37,995	$62,595	$21,143,716
4	37	$100,589	$37,882	$62,707	$21,081,010
4	38	$100,589	$37,770	$62,819	$21,018,191
4	39	$100,589	$37,658	$62,932	$20,955,259
4	40	$100,589	$37,545	$63,044	$20,892,215
4	41	$100,589	$37,432	$63,157	$20,829,057
4	42	$100,589	$37,319	$63,270	$20,765,787
4	43	$100,589	$37,205	$63,384	$20,702,403
4	44	$100,589	$37,092	$63,497	$20,638,906
4	45	$100,589	$36,978	$63,611	$20,575,295
4	46	$100,589	$36,864	$63,725	$20,511,570
4	47	$100,589	$36,750	$63,839	$20,447,730
4	48	$100,589	$36,636	$63,954	$20,383,777
5	49	$100,589	$36,521	$64,068	$20,319,709
5	50	$100,589	$36,406	$64,183	$20,255,526
5	51	$100,589	$36,291	$64,298	$20,191,228
5	52	$100,589	$36,176	$64,413	$20,126,814
5	53	$100,589	$36,061	$64,529	$20,062,286
5	54	$100,589	$35,945	$64,644	$19,997,642
5	55	$100,589	$35,829	$64,760	$19,932,882
5	56	$100,589	$35,713	$64,876	$19,868,005
5	57	$100,589	$35,597	$64,992	$19,803,013
5	58	$100,589	$35,480	$65,109	$19,737,904
5	59	$100,589	$35,364	$65,225	$19,672,679
5	60	$100,589	$35,247	$65,342	$19,607,337
6	61	$100,589	$35,130	$65,459	$19,541,877
6	62	$100,589	$35,013	$65,577	$19,476,301
6	63	$100,589	$34,895	$65,694	$19,410,607
6	64	$100,589	$34,777	$65,812	$19,344,795
6	65	$100,589	$34,659	$65,930	$19,278,865
6	66	$100,589	$34,541	$66,048	$19,212,817
6	67	$100,589	$34,423	$66,166	$19,146,651
6	68	$100,589	$34,304	$66,285	$19,080,366
6	69	$100,589	$34,186	$66,403	$19,013,963
6	70	$100,589	$34,067	$66,522	$18,947,440
6	71	$100,589	$33,947	$66,642	$18,880,799
6	72	$100,589	$33,828	$66,761	$18,814,038
7	73	$100,589	$33,708	$66,881	$18,747,157
7	74	$100,589	$33,589	$67,000	$18,680,157
7	75	$100,589	$33,469	$67,121	$18,613,036
7	76	$100,589	$33,348	$67,241	$18,545,795
7	77	$100,589	$33,228	$67,361	$18,478,434
7	78	$100,589	$33,107	$67,482	$18,410,952
7	79	$100,589	$32,986	$67,603	$18,343,349
7	80	$100,589	$32,865	$67,724	$18,275,625
7	81	$100,589	$32,744	$67,845	$18,207,780
7	82	$100,589	$32,622	$67,967	$18,139,813
7	83	$100,589	$32,500	$68,089	$18,071,724
7	84	$100,589	$32,379	$68,211	$18,003,514
8	85	$100,589	$32,256	$68,333	$17,935,181
8	86	$100,589	$32,134	$68,455	$17,866,726
8	87	$100,589	$32,011	$68,578	$17,798,148
8	88	$100,589	$31,888	$68,701	$17,729,447
8	89	$100,589	$31,765	$68,824	$17,660,623
8	90	$100,589	$31,642	$68,947	$17,591,676
8	91	$100,589	$31,518	$69,071	$17,522,605
8	92	$100,589	$31,395	$69,194	$17,453,411
8	93	$100,589	$31,271	$69,318	$17,384,092
8	94	$100,589	$31,146	$69,443	$17,314,649
8	95	$100,589	$31,022	$69,567	$17,245,082
8	96	$100,589	$30,897	$69,692	$17,175,391
9	97	$100,589	$30,773	$69,817	$17,105,574
9	98	$100,589	$30,647	$69,942	$17,035,632
9	99	$100,589	$30,522	$70,067	$16,965,565
9	100	$100,589	$30,397	$70,193	$16,895,373
9	101	$100,589	$30,271	$70,318	$16,825,055
9	102	$100,589	$30,145	$70,444	$16,754,610
9	103	$100,589	$30,019	$70,570	$16,684,040
9	104	$100,589	$29,892	$70,697	$16,613,343
9	105	$100,589	$29,766	$70,824	$16,542,520
9	106	$100,589	$29,639	$70,950	$16,471,569
9	107	$100,589	$29,512	$71,078	$16,400,491
9	108	$100,589	$29,384	$71,205	$16,329,287
10	109	$100,589	$29,257	$71,333	$16,257,954
10	110	$100,589	$29,129	$71,460	$16,186,494
10	111	$100,589	$29,001	$71,588	$16,114,905
10	112	$100,589	$28,873	$71,717	$16,043,189
10	113	$100,589	$28,744	$71,845	$15,971,344
10	114	$100,589	$28,615	$71,974	$15,899,370
10	115	$100,589	$28,486	$72,103	$15,827,267
10	116	$100,589	$28,357	$72,232	$15,755,035
10	117	$100,589	$28,228	$72,361	$15,682,674
10	118	$100,589	$28,098	$72,491	$15,610,183
10	119	$100,589	$27,968	$72,621	$15,537,562
10	120	$100,589	$27,838	$72,751	$15,464,811
11	121	$100,589	$27,708	$72,881	$15,391,929
11	122	$100,589	$27,577	$73,012	$15,318,917
11	123	$100,589	$27,446	$73,143	$15,245,775
11	124	$100,589	$27,315	$73,274	$15,172,501
11	125	$100,589	$27,184	$73,405	$15,099,096
11	126	$100,589	$27,053	$73,537	$15,025,559
11	127	$100,589	$26,921	$73,668	$14,951,891
11	128	$100,589	$26,789	$73,800	$14,878,091
11	129	$100,589	$26,657	$73,933	$14,804,158
11	130	$100,589	$26,524	$74,065	$14,730,093
11	131	$100,589	$26,391	$74,198	$14,655,895
11	132	$100,589	$26,258	$74,331	$14,581,565
12	133	$100,589	$26,125	$74,464	$14,507,101
12	134	$100,589	$25,992	$74,597	$14,432,503
12	135	$100,589	$25,858	$74,731	$14,357,772
12	136	$100,589	$25,724	$74,865	$14,282,908
12	137	$100,589	$25,590	$74,999	$14,207,909
12	138	$100,589	$25,456	$75,133	$14,132,775
12	139	$100,589	$25,321	$75,268	$14,057,508
12	140	$100,589	$25,186	$75,403	$13,982,105
12	141	$100,589	$25,051	$75,538	$13,906,567
12	142	$100,589	$24,916	$75,673	$13,830,894
12	143	$100,589	$24,780	$75,809	$13,755,085
12	144	$100,589	$24,645	$75,945	$13,679,140
13	145	$100,589	$24,508	$76,081	$13,603,060
13	146	$100,589	$24,372	$76,217	$13,526,843
13	147	$100,589	$24,236	$76,354	$13,450,489
13	148	$100,589	$24,099	$76,490	$13,373,999
13	149	$100,589	$23,962	$76,627	$13,297,371
13	150	$100,589	$23,824	$76,765	$13,220,607
13	151	$100,589	$23,687	$76,902	$13,143,704
13	152	$100,589	$23,549	$77,040	$13,066,664
13	153	$100,589	$23,411	$77,178	$12,989,486
13	154	$100,589	$23,273	$77,316	$12,912,170
13	155	$100,589	$23,134	$77,455	$12,834,715
13	156	$100,589	$22,996	$77,594	$12,757,121
14	157	$100,589	$22,857	$77,733	$12,679,389
14	158	$100,589	$22,717	$77,872	$12,601,517
14	159	$100,589	$22,578	$78,011	$12,523,506
14	160	$100,589	$22,438	$78,151	$12,445,354
14	161	$100,589	$22,298	$78,291	$12,367,063
14	162	$100,589	$22,158	$78,431	$12,288,632
14	163	$100,589	$22,017	$78,572	$12,210,060
14	164	$100,589	$21,876	$78,713	$12,131,347
14	165	$100,589	$21,735	$78,854	$12,052,493
14	166	$100,589	$21,594	$78,995	$11,973,498
14	167	$100,589	$21,453	$79,137	$11,894,361
14	168	$100,589	$21,311	$79,278	$11,815,083
15	169	$100,589	$21,169	$79,420	$11,735,662
15	170	$100,589	$21,026	$79,563	$11,656,100
15	171	$100,589	$20,884	$79,705	$11,576,394
15	172	$100,589	$20,741	$79,848	$11,496,546
15	173	$100,589	$20,598	$79,991	$11,416,555
15	174	$100,589	$20,455	$80,134	$11,336,421
15	175	$100,589	$20,311	$80,278	$11,256,142
15	176	$100,589	$20,167	$80,422	$11,175,721
15	177	$100,589	$20,023	$80,566	$11,095,155
15	178	$100,589	$19,879	$80,710	$11,014,444
15	179	$100,589	$19,734	$80,855	$10,933,589
15	180	$100,589	$19,589	$81,000	$10,852,590
16	181	$100,589	$19,444	$81,145	$10,771,445
16	182	$100,589	$19,299	$81,290	$10,690,154
16	183	$100,589	$19,153	$81,436	$10,608,718
16	184	$100,589	$19,007	$81,582	$10,527,136
16	185	$100,589	$18,861	$81,728	$10,445,408
16	186	$100,589	$18,715	$81,874	$10,363,534
16	187	$100,589	$18,568	$82,021	$10,281,513
16	188	$100,589	$18,421	$82,168	$10,199,345
16	189	$100,589	$18,274	$82,315	$10,117,029
16	190	$100,589	$18,126	$82,463	$10,034,567
16	191	$100,589	$17,979	$82,611	$9,951,956
16	192	$100,589	$17,831	$82,759	$9,869,198
17	193	$100,589	$17,682	$82,907	$9,786,291
17	194	$100,589	$17,534	$83,055	$9,703,235
17	195	$100,589	$17,385	$83,204	$9,620,031
17	196	$100,589	$17,236	$83,353	$9,536,678
17	197	$100,589	$17,087	$83,503	$9,453,175
17	198	$100,589	$16,937	$83,652	$9,369,523
17	199	$100,589	$16,787	$83,802	$9,285,721
17	200	$100,589	$16,637	$83,952	$9,201,769
17	201	$100,589	$16,487	$84,103	$9,117,666
17	202	$100,589	$16,336	$84,253	$9,033,413
17	203	$100,589	$16,185	$84,404	$8,949,008
17	204	$100,589	$16,034	$84,556	$8,864,453
18	205	$100,589	$15,882	$84,707	$8,779,746
18	206	$100,589	$15,730	$84,859	$8,694,887
18	207	$100,589	$15,578	$85,011	$8,609,876
18	208	$100,589	$15,426	$85,163	$8,524,713
18	209	$100,589	$15,273	$85,316	$8,439,398
18	210	$100,589	$15,121	$85,469	$8,353,929
18	211	$100,589	$14,967	$85,622	$8,268,307
18	212	$100,589	$14,814	$85,775	$8,182,532
18	213	$100,589	$14,660	$85,929	$8,096,603
18	214	$100,589	$14,506	$86,083	$8,010,521
18	215	$100,589	$14,352	$86,237	$7,924,284
18	216	$100,589	$14,198	$86,391	$7,837,892
19	217	$100,589	$14,043	$86,546	$7,751,346
19	218	$100,589	$13,888	$86,701	$7,664,645
19	219	$100,589	$13,732	$86,857	$7,577,788
19	220	$100,589	$13,577	$87,012	$7,490,776
19	221	$100,589	$13,421	$87,168	$7,403,608
19	222	$100,589	$13,265	$87,324	$7,316,283
19	223	$100,589	$13,108	$87,481	$7,228,802
19	224	$100,589	$12,952	$87,638	$7,141,165
19	225	$100,589	$12,795	$87,795	$7,053,370
19	226	$100,589	$12,637	$87,952	$6,965,418
19	227	$100,589	$12,480	$88,109	$6,877,309
19	228	$100,589	$12,322	$88,267	$6,789,042
20	229	$100,589	$12,164	$88,425	$6,700,616
20	230	$100,589	$12,005	$88,584	$6,612,032
20	231	$100,589	$11,847	$88,743	$6,523,290
20	232	$100,589	$11,688	$88,902	$6,434,388
20	233	$100,589	$11,528	$89,061	$6,345,327
20	234	$100,589	$11,369	$89,220	$6,256,107
20	235	$100,589	$11,209	$89,380	$6,166,727
20	236	$100,589	$11,049	$89,540	$6,077,186
20	237	$100,589	$10,888	$89,701	$5,987,485
20	238	$100,589	$10,728	$89,862	$5,897,624
20	239	$100,589	$10,567	$90,023	$5,807,601
20	240	$100,589	$10,405	$90,184	$5,717,417
21	241	$100,589	$10,244	$90,345	$5,627,072
21	242	$100,589	$10,082	$90,507	$5,536,565
21	243	$100,589	$9,920	$90,669	$5,445,895
21	244	$100,589	$9,757	$90,832	$5,355,063
21	245	$100,589	$9,594	$90,995	$5,264,069
21	246	$100,589	$9,431	$91,158	$5,172,911
21	247	$100,589	$9,268	$91,321	$5,081,590
21	248	$100,589	$9,105	$91,485	$4,990,105
21	249	$100,589	$8,941	$91,649	$4,898,457
21	250	$100,589	$8,776	$91,813	$4,806,644
21	251	$100,589	$8,612	$91,977	$4,714,667
21	252	$100,589	$8,447	$92,142	$4,622,525
22	253	$100,589	$8,282	$92,307	$4,530,218
22	254	$100,589	$8,117	$92,473	$4,437,745
22	255	$100,589	$7,951	$92,638	$4,345,107
22	256	$100,589	$7,785	$92,804	$4,252,303
22	257	$100,589	$7,619	$92,970	$4,159,332
22	258	$100,589	$7,452	$93,137	$4,066,195
22	259	$100,589	$7,285	$93,304	$3,972,891
22	260	$100,589	$7,118	$93,471	$3,879,420
22	261	$100,589	$6,951	$93,639	$3,785,782
22	262	$100,589	$6,783	$93,806	$3,691,975
22	263	$100,589	$6,615	$93,974	$3,598,001
22	264	$100,589	$6,446	$94,143	$3,503,858
23	265	$100,589	$6,278	$94,311	$3,409,547
23	266	$100,589	$6,109	$94,480	$3,315,067
23	267	$100,589	$5,939	$94,650	$3,220,417
23	268	$100,589	$5,770	$94,819	$3,125,598
23	269	$100,589	$5,600	$94,989	$3,030,609
23	270	$100,589	$5,430	$95,159	$2,935,449
23	271	$100,589	$5,259	$95,330	$2,840,119
23	272	$100,589	$5,089	$95,501	$2,744,619
23	273	$100,589	$4,917	$95,672	$2,648,947
23	274	$100,589	$4,746	$95,843	$2,553,104
23	275	$100,589	$4,574	$96,015	$2,457,089
23	276	$100,589	$4,402	$96,187	$2,360,902
24	277	$100,589	$4,230	$96,359	$2,264,543
24	278	$100,589	$4,057	$96,532	$2,168,011
24	279	$100,589	$3,884	$96,705	$2,071,307
24	280	$100,589	$3,711	$96,878	$1,974,428
24	281	$100,589	$3,538	$97,052	$1,877,377
24	282	$100,589	$3,364	$97,226	$1,780,151
24	283	$100,589	$3,189	$97,400	$1,682,752
24	284	$100,589	$3,015	$97,574	$1,585,177
24	285	$100,589	$2,840	$97,749	$1,487,428
24	286	$100,589	$2,665	$97,924	$1,389,504
24	287	$100,589	$2,490	$98,100	$1,291,405
24	288	$100,589	$2,314	$98,275	$1,193,129
25	289	$100,589	$2,138	$98,451	$1,094,678
25	290	$100,589	$1,961	$98,628	$996,050
25	291	$100,589	$1,785	$98,805	$897,245
25	292	$100,589	$1,608	$98,982	$798,264
25	293	$100,589	$1,430	$99,159	$699,105
25	294	$100,589	$1,253	$99,337	$599,768
25	295	$100,589	$1,075	$99,515	$500,254
25	296	$100,589	$896	$99,693	$400,561
25	297	$100,589	$718	$99,871	$300,689
25	298	$100,589	$539	$100,050	$200,639
25	299	$100,589	$359	$100,230	$100,409
25	300	$100,589	$180	$100,409	$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$ 15,552,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,940,800

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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.