Century 21 Centaland Property

Down Payment (HKD)

$15,992,000

Monthly Repayment (HKD)

$103,435

Loan Amount (HKD)

$23,988,000

Total Interest (HKD)

$7,042,510

Total Repayment (HKD)

$31,030,510

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$103,435	$42,979	$60,457	$23,927,543
1	2	$103,435	$42,870	$60,565	$23,866,979
1	3	$103,435	$42,762	$60,673	$23,806,305
1	4	$103,435	$42,653	$60,782	$23,745,523
1	5	$103,435	$42,544	$60,891	$23,684,632
1	6	$103,435	$42,435	$61,000	$23,623,632
1	7	$103,435	$42,326	$61,109	$23,562,523
1	8	$103,435	$42,216	$61,219	$23,501,304
1	9	$103,435	$42,107	$61,329	$23,439,975
1	10	$103,435	$41,997	$61,438	$23,378,537
1	11	$103,435	$41,887	$61,548	$23,316,989
1	12	$103,435	$41,776	$61,659	$23,255,330
2	13	$103,435	$41,666	$61,769	$23,193,561
2	14	$103,435	$41,555	$61,880	$23,131,681
2	15	$103,435	$41,444	$61,991	$23,069,690
2	16	$103,435	$41,333	$62,102	$23,007,588
2	17	$103,435	$41,222	$62,213	$22,945,375
2	18	$103,435	$41,110	$62,325	$22,883,050
2	19	$103,435	$40,999	$62,436	$22,820,614
2	20	$103,435	$40,887	$62,548	$22,758,066
2	21	$103,435	$40,775	$62,660	$22,695,406
2	22	$103,435	$40,663	$62,772	$22,632,633
2	23	$103,435	$40,550	$62,885	$22,569,748
2	24	$103,435	$40,437	$62,998	$22,506,751
3	25	$103,435	$40,325	$63,110	$22,443,640
3	26	$103,435	$40,212	$63,224	$22,380,417
3	27	$103,435	$40,098	$63,337	$22,317,080
3	28	$103,435	$39,985	$63,450	$22,253,630
3	29	$103,435	$39,871	$63,564	$22,190,066
3	30	$103,435	$39,757	$63,678	$22,126,388
3	31	$103,435	$39,643	$63,792	$22,062,596
3	32	$103,435	$39,529	$63,906	$21,998,690
3	33	$103,435	$39,414	$64,021	$21,934,669
3	34	$103,435	$39,300	$64,135	$21,870,534
3	35	$103,435	$39,185	$64,250	$21,806,284
3	36	$103,435	$39,070	$64,365	$21,741,918
4	37	$103,435	$38,954	$64,481	$21,677,437
4	38	$103,435	$38,839	$64,596	$21,612,841
4	39	$103,435	$38,723	$64,712	$21,548,129
4	40	$103,435	$38,607	$64,828	$21,483,301
4	41	$103,435	$38,491	$64,944	$21,418,357
4	42	$103,435	$38,375	$65,060	$21,353,296
4	43	$103,435	$38,258	$65,177	$21,288,119
4	44	$103,435	$38,141	$65,294	$21,222,826
4	45	$103,435	$38,024	$65,411	$21,157,415
4	46	$103,435	$37,907	$65,528	$21,091,887
4	47	$103,435	$37,790	$65,645	$21,026,241
4	48	$103,435	$37,672	$65,763	$20,960,478
5	49	$103,435	$37,554	$65,881	$20,894,598
5	50	$103,435	$37,436	$65,999	$20,828,599
5	51	$103,435	$37,318	$66,117	$20,762,481
5	52	$103,435	$37,199	$66,236	$20,696,246
5	53	$103,435	$37,081	$66,354	$20,629,892
5	54	$103,435	$36,962	$66,473	$20,563,418
5	55	$103,435	$36,843	$66,592	$20,496,826
5	56	$103,435	$36,723	$66,712	$20,430,115
5	57	$103,435	$36,604	$66,831	$20,363,284
5	58	$103,435	$36,484	$66,951	$20,296,333
5	59	$103,435	$36,364	$67,071	$20,229,262
5	60	$103,435	$36,244	$67,191	$20,162,071
6	61	$103,435	$36,124	$67,311	$20,094,760
6	62	$103,435	$36,003	$67,432	$20,027,328
6	63	$103,435	$35,882	$67,553	$19,959,775
6	64	$103,435	$35,761	$67,674	$19,892,101
6	65	$103,435	$35,640	$67,795	$19,824,306
6	66	$103,435	$35,519	$67,916	$19,756,390
6	67	$103,435	$35,397	$68,038	$19,688,352
6	68	$103,435	$35,275	$68,160	$19,620,192
6	69	$103,435	$35,153	$68,282	$19,551,909
6	70	$103,435	$35,031	$68,405	$19,483,505
6	71	$103,435	$34,908	$68,527	$19,414,978
6	72	$103,435	$34,785	$68,650	$19,346,328
7	73	$103,435	$34,662	$68,773	$19,277,555
7	74	$103,435	$34,539	$68,896	$19,208,659
7	75	$103,435	$34,416	$69,020	$19,139,639
7	76	$103,435	$34,292	$69,143	$19,070,496
7	77	$103,435	$34,168	$69,267	$19,001,229
7	78	$103,435	$34,044	$69,391	$18,931,838
7	79	$103,435	$33,920	$69,515	$18,862,323
7	80	$103,435	$33,795	$69,640	$18,792,683
7	81	$103,435	$33,670	$69,765	$18,722,918
7	82	$103,435	$33,545	$69,890	$18,653,028
7	83	$103,435	$33,420	$70,015	$18,583,013
7	84	$103,435	$33,295	$70,140	$18,512,872
8	85	$103,435	$33,169	$70,266	$18,442,606
8	86	$103,435	$33,043	$70,392	$18,372,214
8	87	$103,435	$32,917	$70,518	$18,301,696
8	88	$103,435	$32,791	$70,644	$18,231,052
8	89	$103,435	$32,664	$70,771	$18,160,281
8	90	$103,435	$32,537	$70,898	$18,089,383
8	91	$103,435	$32,410	$71,025	$18,018,358
8	92	$103,435	$32,283	$71,152	$17,947,206
8	93	$103,435	$32,155	$71,280	$17,875,926
8	94	$103,435	$32,028	$71,407	$17,804,519
8	95	$103,435	$31,900	$71,535	$17,732,983
8	96	$103,435	$31,772	$71,663	$17,661,320
9	97	$103,435	$31,643	$71,792	$17,589,528
9	98	$103,435	$31,515	$71,920	$17,517,608
9	99	$103,435	$31,386	$72,049	$17,445,558
9	100	$103,435	$31,257	$72,178	$17,373,380
9	101	$103,435	$31,127	$72,308	$17,301,072
9	102	$103,435	$30,998	$72,437	$17,228,635
9	103	$103,435	$30,868	$72,567	$17,156,068
9	104	$103,435	$30,738	$72,697	$17,083,371
9	105	$103,435	$30,608	$72,827	$17,010,543
9	106	$103,435	$30,477	$72,958	$16,937,586
9	107	$103,435	$30,347	$73,089	$16,864,497
9	108	$103,435	$30,216	$73,219	$16,791,278
10	109	$103,435	$30,084	$73,351	$16,717,927
10	110	$103,435	$29,953	$73,482	$16,644,445
10	111	$103,435	$29,821	$73,614	$16,570,831
10	112	$103,435	$29,689	$73,746	$16,497,086
10	113	$103,435	$29,557	$73,878	$16,423,208
10	114	$103,435	$29,425	$74,010	$16,349,198
10	115	$103,435	$29,292	$74,143	$16,275,055
10	116	$103,435	$29,159	$74,276	$16,200,779
10	117	$103,435	$29,026	$74,409	$16,126,371
10	118	$103,435	$28,893	$74,542	$16,051,829
10	119	$103,435	$28,760	$74,676	$15,977,153
10	120	$103,435	$28,626	$74,809	$15,902,344
11	121	$103,435	$28,492	$74,943	$15,827,401
11	122	$103,435	$28,357	$75,078	$15,752,323
11	123	$103,435	$28,223	$75,212	$15,677,111
11	124	$103,435	$28,088	$75,347	$15,601,764
11	125	$103,435	$27,953	$75,482	$15,526,282
11	126	$103,435	$27,818	$75,617	$15,450,665
11	127	$103,435	$27,682	$75,753	$15,374,912
11	128	$103,435	$27,547	$75,888	$15,299,024
11	129	$103,435	$27,411	$76,024	$15,223,000
11	130	$103,435	$27,275	$76,160	$15,146,839
11	131	$103,435	$27,138	$76,297	$15,070,542
11	132	$103,435	$27,001	$76,434	$14,994,109
12	133	$103,435	$26,864	$76,571	$14,917,538
12	134	$103,435	$26,727	$76,708	$14,840,830
12	135	$103,435	$26,590	$76,845	$14,763,985
12	136	$103,435	$26,452	$76,983	$14,687,002
12	137	$103,435	$26,314	$77,121	$14,609,881
12	138	$103,435	$26,176	$77,259	$14,532,622
12	139	$103,435	$26,038	$77,397	$14,455,225
12	140	$103,435	$25,899	$77,536	$14,377,689
12	141	$103,435	$25,760	$77,675	$14,300,014
12	142	$103,435	$25,621	$77,814	$14,222,200
12	143	$103,435	$25,481	$77,954	$14,144,246
12	144	$103,435	$25,342	$78,093	$14,066,153
13	145	$103,435	$25,202	$78,233	$13,987,920
13	146	$103,435	$25,062	$78,373	$13,909,546
13	147	$103,435	$24,921	$78,514	$13,831,033
13	148	$103,435	$24,781	$78,654	$13,752,378
13	149	$103,435	$24,640	$78,795	$13,673,583
13	150	$103,435	$24,499	$78,937	$13,594,646
13	151	$103,435	$24,357	$79,078	$13,515,568
13	152	$103,435	$24,215	$79,220	$13,436,349
13	153	$103,435	$24,073	$79,362	$13,356,987
13	154	$103,435	$23,931	$79,504	$13,277,483
13	155	$103,435	$23,789	$79,646	$13,197,837
13	156	$103,435	$23,646	$79,789	$13,118,048
14	157	$103,435	$23,503	$79,932	$13,038,116
14	158	$103,435	$23,360	$80,075	$12,958,041
14	159	$103,435	$23,216	$80,219	$12,877,823
14	160	$103,435	$23,073	$80,362	$12,797,461
14	161	$103,435	$22,929	$80,506	$12,716,954
14	162	$103,435	$22,785	$80,650	$12,636,304
14	163	$103,435	$22,640	$80,795	$12,555,509
14	164	$103,435	$22,495	$80,940	$12,474,569
14	165	$103,435	$22,350	$81,085	$12,393,484
14	166	$103,435	$22,205	$81,230	$12,312,254
14	167	$103,435	$22,059	$81,376	$12,230,879
14	168	$103,435	$21,914	$81,521	$12,149,357
15	169	$103,435	$21,768	$81,667	$12,067,690
15	170	$103,435	$21,621	$81,814	$11,985,876
15	171	$103,435	$21,475	$81,960	$11,903,916
15	172	$103,435	$21,328	$82,107	$11,821,809
15	173	$103,435	$21,181	$82,254	$11,739,554
15	174	$103,435	$21,033	$82,402	$11,657,153
15	175	$103,435	$20,886	$82,549	$11,574,603
15	176	$103,435	$20,738	$82,697	$11,491,906
15	177	$103,435	$20,590	$82,845	$11,409,061
15	178	$103,435	$20,441	$82,994	$11,326,067
15	179	$103,435	$20,293	$83,142	$11,242,924
15	180	$103,435	$20,144	$83,291	$11,159,633
16	181	$103,435	$19,994	$83,441	$11,076,192
16	182	$103,435	$19,845	$83,590	$10,992,602
16	183	$103,435	$19,695	$83,740	$10,908,862
16	184	$103,435	$19,545	$83,890	$10,824,972
16	185	$103,435	$19,395	$84,040	$10,740,932
16	186	$103,435	$19,244	$84,191	$10,656,741
16	187	$103,435	$19,093	$84,342	$10,572,399
16	188	$103,435	$18,942	$84,493	$10,487,906
16	189	$103,435	$18,791	$84,644	$10,403,262
16	190	$103,435	$18,639	$84,796	$10,318,466
16	191	$103,435	$18,487	$84,948	$10,233,519
16	192	$103,435	$18,335	$85,100	$10,148,419
17	193	$103,435	$18,183	$85,252	$10,063,166
17	194	$103,435	$18,030	$85,405	$9,977,761
17	195	$103,435	$17,877	$85,558	$9,892,203
17	196	$103,435	$17,724	$85,712	$9,806,491
17	197	$103,435	$17,570	$85,865	$9,720,626
17	198	$103,435	$17,416	$86,019	$9,634,607
17	199	$103,435	$17,262	$86,173	$9,548,434
17	200	$103,435	$17,108	$86,327	$9,462,107
17	201	$103,435	$16,953	$86,482	$9,375,625
17	202	$103,435	$16,798	$86,637	$9,288,988
17	203	$103,435	$16,643	$86,792	$9,202,195
17	204	$103,435	$16,487	$86,948	$9,115,248
18	205	$103,435	$16,331	$87,104	$9,028,144
18	206	$103,435	$16,175	$87,260	$8,940,885
18	207	$103,435	$16,019	$87,416	$8,853,469
18	208	$103,435	$15,862	$87,573	$8,765,896
18	209	$103,435	$15,706	$87,729	$8,678,167
18	210	$103,435	$15,548	$87,887	$8,590,280
18	211	$103,435	$15,391	$88,044	$8,502,236
18	212	$103,435	$15,233	$88,202	$8,414,034
18	213	$103,435	$15,075	$88,360	$8,325,674
18	214	$103,435	$14,917	$88,518	$8,237,156
18	215	$103,435	$14,758	$88,677	$8,148,479
18	216	$103,435	$14,599	$88,836	$8,059,643
19	217	$103,435	$14,440	$88,995	$7,970,649
19	218	$103,435	$14,281	$89,154	$7,881,494
19	219	$103,435	$14,121	$89,314	$7,792,180
19	220	$103,435	$13,961	$89,474	$7,702,706
19	221	$103,435	$13,801	$89,634	$7,613,072
19	222	$103,435	$13,640	$89,795	$7,523,277
19	223	$103,435	$13,479	$89,956	$7,433,321
19	224	$103,435	$13,318	$90,117	$7,343,204
19	225	$103,435	$13,157	$90,278	$7,252,926
19	226	$103,435	$12,995	$90,440	$7,162,485
19	227	$103,435	$12,833	$90,602	$7,071,883
19	228	$103,435	$12,670	$90,765	$6,981,119
20	229	$103,435	$12,508	$90,927	$6,890,191
20	230	$103,435	$12,345	$91,090	$6,799,101
20	231	$103,435	$12,182	$91,253	$6,707,848
20	232	$103,435	$12,018	$91,417	$6,616,431
20	233	$103,435	$11,854	$91,581	$6,524,851
20	234	$103,435	$11,690	$91,745	$6,433,106
20	235	$103,435	$11,526	$91,909	$6,341,197
20	236	$103,435	$11,361	$92,074	$6,249,123
20	237	$103,435	$11,196	$92,239	$6,156,884
20	238	$103,435	$11,031	$92,404	$6,064,480
20	239	$103,435	$10,866	$92,570	$5,971,911
20	240	$103,435	$10,700	$92,735	$5,879,176
21	241	$103,435	$10,534	$92,902	$5,786,274
21	242	$103,435	$10,367	$93,068	$5,693,206
21	243	$103,435	$10,200	$93,235	$5,599,971
21	244	$103,435	$10,033	$93,402	$5,506,570
21	245	$103,435	$9,866	$93,569	$5,413,001
21	246	$103,435	$9,698	$93,737	$5,319,264
21	247	$103,435	$9,530	$93,905	$5,225,359
21	248	$103,435	$9,362	$94,073	$5,131,286
21	249	$103,435	$9,194	$94,241	$5,037,045
21	250	$103,435	$9,025	$94,410	$4,942,634
21	251	$103,435	$8,856	$94,579	$4,848,055
21	252	$103,435	$8,686	$94,749	$4,753,306
22	253	$103,435	$8,516	$94,919	$4,658,387
22	254	$103,435	$8,346	$95,089	$4,563,298
22	255	$103,435	$8,176	$95,259	$4,468,039
22	256	$103,435	$8,005	$95,430	$4,372,610
22	257	$103,435	$7,834	$95,601	$4,277,009
22	258	$103,435	$7,663	$95,772	$4,181,237
22	259	$103,435	$7,491	$95,944	$4,085,293
22	260	$103,435	$7,319	$96,116	$3,989,178
22	261	$103,435	$7,147	$96,288	$3,892,890
22	262	$103,435	$6,975	$96,460	$3,796,429
22	263	$103,435	$6,802	$96,633	$3,699,796
22	264	$103,435	$6,629	$96,806	$3,602,990
23	265	$103,435	$6,455	$96,980	$3,506,010
23	266	$103,435	$6,282	$97,153	$3,408,857
23	267	$103,435	$6,108	$97,327	$3,311,530
23	268	$103,435	$5,933	$97,502	$3,214,028
23	269	$103,435	$5,758	$97,677	$3,116,351
23	270	$103,435	$5,583	$97,852	$3,018,500
23	271	$103,435	$5,408	$98,027	$2,920,473
23	272	$103,435	$5,233	$98,203	$2,822,270
23	273	$103,435	$5,057	$98,378	$2,723,892
23	274	$103,435	$4,880	$98,555	$2,625,337
23	275	$103,435	$4,704	$98,731	$2,526,606
23	276	$103,435	$4,527	$98,908	$2,427,697
24	277	$103,435	$4,350	$99,085	$2,328,612
24	278	$103,435	$4,172	$99,263	$2,229,349
24	279	$103,435	$3,994	$99,441	$2,129,908
24	280	$103,435	$3,816	$99,619	$2,030,289
24	281	$103,435	$3,638	$99,797	$1,930,492
24	282	$103,435	$3,459	$99,976	$1,830,516
24	283	$103,435	$3,280	$100,155	$1,730,360
24	284	$103,435	$3,100	$100,335	$1,630,026
24	285	$103,435	$2,920	$100,515	$1,529,511
24	286	$103,435	$2,740	$100,695	$1,428,816
24	287	$103,435	$2,560	$100,875	$1,327,941
24	288	$103,435	$2,379	$101,056	$1,226,885
25	289	$103,435	$2,198	$101,237	$1,125,649
25	290	$103,435	$2,017	$101,418	$1,024,230
25	291	$103,435	$1,835	$101,600	$922,630
25	292	$103,435	$1,653	$101,782	$820,848
25	293	$103,435	$1,471	$101,964	$718,884
25	294	$103,435	$1,288	$102,147	$616,737
25	295	$103,435	$1,105	$102,330	$514,407
25	296	$103,435	$922	$102,513	$411,894
25	297	$103,435	$738	$102,697	$309,196
25	298	$103,435	$554	$102,881	$206,315
25	299	$103,435	$370	$103,065	$103,250
25	300	$103,435	$185	$103,250	$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$ 15,992,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 16,391,800

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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.