Century 21 Centaland Property

Down Payment (HKD)

$12,100,000

Monthly Repayment (HKD)

$78,262

Loan Amount (HKD)

$18,150,000

Total Interest (HKD)

$5,328,563

Total Repayment (HKD)

$23,478,563

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$78,262	$32,519	$45,743	$18,104,257
1	2	$78,262	$32,437	$45,825	$18,058,432
1	3	$78,262	$32,355	$45,907	$18,012,525
1	4	$78,262	$32,272	$45,989	$17,966,535
1	5	$78,262	$32,190	$46,072	$17,920,463
1	6	$78,262	$32,107	$46,154	$17,874,309
1	7	$78,262	$32,025	$46,237	$17,828,072
1	8	$78,262	$31,942	$46,320	$17,781,752
1	9	$78,262	$31,859	$46,403	$17,735,349
1	10	$78,262	$31,776	$46,486	$17,688,863
1	11	$78,262	$31,693	$46,569	$17,642,294
1	12	$78,262	$31,609	$46,653	$17,595,641
2	13	$78,262	$31,526	$46,736	$17,548,905
2	14	$78,262	$31,442	$46,820	$17,502,084
2	15	$78,262	$31,358	$46,904	$17,455,181
2	16	$78,262	$31,274	$46,988	$17,408,193
2	17	$78,262	$31,190	$47,072	$17,361,120
2	18	$78,262	$31,105	$47,157	$17,313,964
2	19	$78,262	$31,021	$47,241	$17,266,723
2	20	$78,262	$30,936	$47,326	$17,219,397
2	21	$78,262	$30,851	$47,410	$17,171,987
2	22	$78,262	$30,766	$47,495	$17,124,491
2	23	$78,262	$30,681	$47,580	$17,076,911
2	24	$78,262	$30,596	$47,666	$17,029,245
3	25	$78,262	$30,511	$47,751	$16,981,494
3	26	$78,262	$30,425	$47,837	$16,933,657
3	27	$78,262	$30,339	$47,922	$16,885,735
3	28	$78,262	$30,254	$48,008	$16,837,726
3	29	$78,262	$30,168	$48,094	$16,789,632
3	30	$78,262	$30,081	$48,180	$16,741,452
3	31	$78,262	$29,995	$48,267	$16,693,185
3	32	$78,262	$29,909	$48,353	$16,644,832
3	33	$78,262	$29,822	$48,440	$16,596,392
3	34	$78,262	$29,735	$48,527	$16,547,865
3	35	$78,262	$29,648	$48,614	$16,499,252
3	36	$78,262	$29,561	$48,701	$16,450,551
4	37	$78,262	$29,474	$48,788	$16,401,763
4	38	$78,262	$29,386	$48,875	$16,352,887
4	39	$78,262	$29,299	$48,963	$16,303,925
4	40	$78,262	$29,211	$49,051	$16,254,874
4	41	$78,262	$29,123	$49,139	$16,205,735
4	42	$78,262	$29,035	$49,227	$16,156,509
4	43	$78,262	$28,947	$49,315	$16,107,194
4	44	$78,262	$28,859	$49,403	$16,057,791
4	45	$78,262	$28,770	$49,492	$16,008,299
4	46	$78,262	$28,682	$49,580	$15,958,719
4	47	$78,262	$28,593	$49,669	$15,909,050
4	48	$78,262	$28,504	$49,758	$15,859,291
5	49	$78,262	$28,415	$49,847	$15,809,444
5	50	$78,262	$28,325	$49,937	$15,759,507
5	51	$78,262	$28,236	$50,026	$15,709,481
5	52	$78,262	$28,146	$50,116	$15,659,366
5	53	$78,262	$28,056	$50,206	$15,609,160
5	54	$78,262	$27,966	$50,295	$15,558,865
5	55	$78,262	$27,876	$50,386	$15,508,479
5	56	$78,262	$27,786	$50,476	$15,458,003
5	57	$78,262	$27,696	$50,566	$15,407,437
5	58	$78,262	$27,605	$50,657	$15,356,780
5	59	$78,262	$27,514	$50,748	$15,306,032
5	60	$78,262	$27,423	$50,839	$15,255,194
6	61	$78,262	$27,332	$50,930	$15,204,264
6	62	$78,262	$27,241	$51,021	$15,153,243
6	63	$78,262	$27,150	$51,112	$15,102,131
6	64	$78,262	$27,058	$51,204	$15,050,927
6	65	$78,262	$26,966	$51,296	$14,999,631
6	66	$78,262	$26,874	$51,388	$14,948,244
6	67	$78,262	$26,782	$51,480	$14,896,764
6	68	$78,262	$26,690	$51,572	$14,845,192
6	69	$78,262	$26,598	$51,664	$14,793,528
6	70	$78,262	$26,505	$51,757	$14,741,771
6	71	$78,262	$26,412	$51,850	$14,689,922
6	72	$78,262	$26,319	$51,942	$14,637,979
7	73	$78,262	$26,226	$52,035	$14,585,944
7	74	$78,262	$26,133	$52,129	$14,533,815
7	75	$78,262	$26,040	$52,222	$14,481,593
7	76	$78,262	$25,946	$52,316	$14,429,277
7	77	$78,262	$25,852	$52,409	$14,376,868
7	78	$78,262	$25,759	$52,503	$14,324,365
7	79	$78,262	$25,664	$52,597	$14,271,767
7	80	$78,262	$25,570	$52,692	$14,219,076
7	81	$78,262	$25,476	$52,786	$14,166,290
7	82	$78,262	$25,381	$52,881	$14,113,409
7	83	$78,262	$25,287	$52,975	$14,060,434
7	84	$78,262	$25,192	$53,070	$14,007,363
8	85	$78,262	$25,097	$53,165	$13,954,198
8	86	$78,262	$25,001	$53,261	$13,900,937
8	87	$78,262	$24,906	$53,356	$13,847,581
8	88	$78,262	$24,810	$53,452	$13,794,130
8	89	$78,262	$24,714	$53,547	$13,740,582
8	90	$78,262	$24,619	$53,643	$13,686,939
8	91	$78,262	$24,522	$53,739	$13,633,200
8	92	$78,262	$24,426	$53,836	$13,579,364
8	93	$78,262	$24,330	$53,932	$13,525,432
8	94	$78,262	$24,233	$54,029	$13,471,403
8	95	$78,262	$24,136	$54,126	$13,417,277
8	96	$78,262	$24,039	$54,223	$13,363,055
9	97	$78,262	$23,942	$54,320	$13,308,735
9	98	$78,262	$23,845	$54,417	$13,254,318
9	99	$78,262	$23,747	$54,515	$13,199,803
9	100	$78,262	$23,650	$54,612	$13,145,191
9	101	$78,262	$23,552	$54,710	$13,090,481
9	102	$78,262	$23,454	$54,808	$13,035,673
9	103	$78,262	$23,356	$54,906	$12,980,767
9	104	$78,262	$23,257	$55,005	$12,925,762
9	105	$78,262	$23,159	$55,103	$12,870,659
9	106	$78,262	$23,060	$55,202	$12,815,457
9	107	$78,262	$22,961	$55,301	$12,760,156
9	108	$78,262	$22,862	$55,400	$12,704,756
10	109	$78,262	$22,763	$55,499	$12,649,257
10	110	$78,262	$22,663	$55,599	$12,593,658
10	111	$78,262	$22,564	$55,698	$12,537,960
10	112	$78,262	$22,464	$55,798	$12,482,162
10	113	$78,262	$22,364	$55,898	$12,426,264
10	114	$78,262	$22,264	$55,998	$12,370,266
10	115	$78,262	$22,163	$56,098	$12,314,167
10	116	$78,262	$22,063	$56,199	$12,257,968
10	117	$78,262	$21,962	$56,300	$12,201,669
10	118	$78,262	$21,861	$56,401	$12,145,268
10	119	$78,262	$21,760	$56,502	$12,088,767
10	120	$78,262	$21,659	$56,603	$12,032,164
11	121	$78,262	$21,558	$56,704	$11,975,459
11	122	$78,262	$21,456	$56,806	$11,918,654
11	123	$78,262	$21,354	$56,908	$11,861,746
11	124	$78,262	$21,252	$57,010	$11,804,736
11	125	$78,262	$21,150	$57,112	$11,747,625
11	126	$78,262	$21,048	$57,214	$11,690,411
11	127	$78,262	$20,945	$57,317	$11,633,094
11	128	$78,262	$20,843	$57,419	$11,575,675
11	129	$78,262	$20,740	$57,522	$11,518,153
11	130	$78,262	$20,637	$57,625	$11,460,528
11	131	$78,262	$20,533	$57,728	$11,402,799
11	132	$78,262	$20,430	$57,832	$11,344,967
12	133	$78,262	$20,326	$57,935	$11,287,032
12	134	$78,262	$20,223	$58,039	$11,228,992
12	135	$78,262	$20,119	$58,143	$11,170,849
12	136	$78,262	$20,014	$58,247	$11,112,602
12	137	$78,262	$19,910	$58,352	$11,054,250
12	138	$78,262	$19,806	$58,456	$10,995,794
12	139	$78,262	$19,701	$58,561	$10,937,233
12	140	$78,262	$19,596	$58,666	$10,878,567
12	141	$78,262	$19,491	$58,771	$10,819,795
12	142	$78,262	$19,385	$58,876	$10,760,919
12	143	$78,262	$19,280	$58,982	$10,701,937
12	144	$78,262	$19,174	$59,088	$10,642,850
13	145	$78,262	$19,068	$59,193	$10,583,656
13	146	$78,262	$18,962	$59,299	$10,524,357
13	147	$78,262	$18,856	$59,406	$10,464,951
13	148	$78,262	$18,750	$59,512	$10,405,439
13	149	$78,262	$18,643	$59,619	$10,345,820
13	150	$78,262	$18,536	$59,726	$10,286,094
13	151	$78,262	$18,429	$59,833	$10,226,262
13	152	$78,262	$18,322	$59,940	$10,166,322
13	153	$78,262	$18,215	$60,047	$10,106,275
13	154	$78,262	$18,107	$60,155	$10,046,120
13	155	$78,262	$17,999	$60,263	$9,985,857
13	156	$78,262	$17,891	$60,371	$9,925,487
14	157	$78,262	$17,783	$60,479	$9,865,008
14	158	$78,262	$17,675	$60,587	$9,804,421
14	159	$78,262	$17,566	$60,696	$9,743,725
14	160	$78,262	$17,458	$60,804	$9,682,921
14	161	$78,262	$17,349	$60,913	$9,622,008
14	162	$78,262	$17,239	$61,022	$9,560,985
14	163	$78,262	$17,130	$61,132	$9,499,853
14	164	$78,262	$17,021	$61,241	$9,438,612
14	165	$78,262	$16,911	$61,351	$9,377,261
14	166	$78,262	$16,801	$61,461	$9,315,800
14	167	$78,262	$16,691	$61,571	$9,254,229
14	168	$78,262	$16,580	$61,681	$9,192,548
15	169	$78,262	$16,470	$61,792	$9,130,756
15	170	$78,262	$16,359	$61,903	$9,068,853
15	171	$78,262	$16,248	$62,014	$9,006,840
15	172	$78,262	$16,137	$62,125	$8,944,715
15	173	$78,262	$16,026	$62,236	$8,882,479
15	174	$78,262	$15,914	$62,347	$8,820,132
15	175	$78,262	$15,803	$62,459	$8,757,673
15	176	$78,262	$15,691	$62,571	$8,695,102
15	177	$78,262	$15,579	$62,683	$8,632,418
15	178	$78,262	$15,466	$62,795	$8,569,623
15	179	$78,262	$15,354	$62,908	$8,506,715
15	180	$78,262	$15,241	$63,021	$8,443,694
16	181	$78,262	$15,128	$63,134	$8,380,561
16	182	$78,262	$15,015	$63,247	$8,317,314
16	183	$78,262	$14,902	$63,360	$8,253,954
16	184	$78,262	$14,788	$63,474	$8,190,480
16	185	$78,262	$14,675	$63,587	$8,126,893
16	186	$78,262	$14,561	$63,701	$8,063,192
16	187	$78,262	$14,447	$63,815	$7,999,377
16	188	$78,262	$14,332	$63,930	$7,935,447
16	189	$78,262	$14,218	$64,044	$7,871,403
16	190	$78,262	$14,103	$64,159	$7,807,244
16	191	$78,262	$13,988	$64,274	$7,742,970
16	192	$78,262	$13,873	$64,389	$7,678,581
17	193	$78,262	$13,757	$64,504	$7,614,076
17	194	$78,262	$13,642	$64,620	$7,549,456
17	195	$78,262	$13,526	$64,736	$7,484,721
17	196	$78,262	$13,410	$64,852	$7,419,869
17	197	$78,262	$13,294	$64,968	$7,354,901
17	198	$78,262	$13,178	$65,084	$7,289,817
17	199	$78,262	$13,061	$65,201	$7,224,616
17	200	$78,262	$12,944	$65,318	$7,159,298
17	201	$78,262	$12,827	$65,435	$7,093,863
17	202	$78,262	$12,710	$65,552	$7,028,311
17	203	$78,262	$12,592	$65,669	$6,962,642
17	204	$78,262	$12,475	$65,787	$6,896,854
18	205	$78,262	$12,357	$65,905	$6,830,949
18	206	$78,262	$12,239	$66,023	$6,764,926
18	207	$78,262	$12,120	$66,141	$6,698,785
18	208	$78,262	$12,002	$66,260	$6,632,525
18	209	$78,262	$11,883	$66,379	$6,566,147
18	210	$78,262	$11,764	$66,498	$6,499,649
18	211	$78,262	$11,645	$66,617	$6,433,032
18	212	$78,262	$11,526	$66,736	$6,366,296
18	213	$78,262	$11,406	$66,856	$6,299,441
18	214	$78,262	$11,286	$66,975	$6,232,465
18	215	$78,262	$11,167	$67,095	$6,165,370
18	216	$78,262	$11,046	$67,216	$6,098,154
19	217	$78,262	$10,926	$67,336	$6,030,818
19	218	$78,262	$10,805	$67,457	$5,963,362
19	219	$78,262	$10,684	$67,578	$5,895,784
19	220	$78,262	$10,563	$67,699	$5,828,086
19	221	$78,262	$10,442	$67,820	$5,760,266
19	222	$78,262	$10,320	$67,941	$5,692,324
19	223	$78,262	$10,199	$68,063	$5,624,261
19	224	$78,262	$10,077	$68,185	$5,556,076
19	225	$78,262	$9,955	$68,307	$5,487,769
19	226	$78,262	$9,832	$68,430	$5,419,339
19	227	$78,262	$9,710	$68,552	$5,350,787
19	228	$78,262	$9,587	$68,675	$5,282,112
20	229	$78,262	$9,464	$68,798	$5,213,314
20	230	$78,262	$9,341	$68,921	$5,144,392
20	231	$78,262	$9,217	$69,045	$5,075,348
20	232	$78,262	$9,093	$69,169	$5,006,179
20	233	$78,262	$8,969	$69,292	$4,936,887
20	234	$78,262	$8,845	$69,417	$4,867,470
20	235	$78,262	$8,721	$69,541	$4,797,929
20	236	$78,262	$8,596	$69,666	$4,728,263
20	237	$78,262	$8,471	$69,790	$4,658,473
20	238	$78,262	$8,346	$69,915	$4,588,558
20	239	$78,262	$8,221	$70,041	$4,518,517
20	240	$78,262	$8,096	$70,166	$4,448,351
21	241	$78,262	$7,970	$70,292	$4,378,059
21	242	$78,262	$7,844	$70,418	$4,307,641
21	243	$78,262	$7,718	$70,544	$4,237,097
21	244	$78,262	$7,591	$70,670	$4,166,426
21	245	$78,262	$7,465	$70,797	$4,095,629
21	246	$78,262	$7,338	$70,924	$4,024,706
21	247	$78,262	$7,211	$71,051	$3,953,655
21	248	$78,262	$7,084	$71,178	$3,882,476
21	249	$78,262	$6,956	$71,306	$3,811,171
21	250	$78,262	$6,828	$71,434	$3,739,737
21	251	$78,262	$6,700	$71,562	$3,668,176
21	252	$78,262	$6,572	$71,690	$3,596,486
22	253	$78,262	$6,444	$71,818	$3,524,668
22	254	$78,262	$6,315	$71,947	$3,452,721
22	255	$78,262	$6,186	$72,076	$3,380,645
22	256	$78,262	$6,057	$72,205	$3,308,440
22	257	$78,262	$5,928	$72,334	$3,236,106
22	258	$78,262	$5,798	$72,464	$3,163,642
22	259	$78,262	$5,668	$72,594	$3,091,048
22	260	$78,262	$5,538	$72,724	$3,018,325
22	261	$78,262	$5,408	$72,854	$2,945,471
22	262	$78,262	$5,277	$72,985	$2,872,486
22	263	$78,262	$5,147	$73,115	$2,799,371
22	264	$78,262	$5,016	$73,246	$2,726,124
23	265	$78,262	$4,884	$73,378	$2,652,747
23	266	$78,262	$4,753	$73,509	$2,579,238
23	267	$78,262	$4,621	$73,641	$2,505,597
23	268	$78,262	$4,489	$73,773	$2,431,824
23	269	$78,262	$4,357	$73,905	$2,357,919
23	270	$78,262	$4,225	$74,037	$2,283,882
23	271	$78,262	$4,092	$74,170	$2,209,712
23	272	$78,262	$3,959	$74,303	$2,135,409
23	273	$78,262	$3,826	$74,436	$2,060,974
23	274	$78,262	$3,693	$74,569	$1,986,404
23	275	$78,262	$3,559	$74,703	$1,911,701
23	276	$78,262	$3,425	$74,837	$1,836,865
24	277	$78,262	$3,291	$74,971	$1,761,894
24	278	$78,262	$3,157	$75,105	$1,686,789
24	279	$78,262	$3,022	$75,240	$1,611,549
24	280	$78,262	$2,887	$75,375	$1,536,174
24	281	$78,262	$2,752	$75,510	$1,460,665
24	282	$78,262	$2,617	$75,645	$1,385,020
24	283	$78,262	$2,481	$75,780	$1,309,240
24	284	$78,262	$2,346	$75,916	$1,233,323
24	285	$78,262	$2,210	$76,052	$1,157,271
24	286	$78,262	$2,073	$76,188	$1,081,083
24	287	$78,262	$1,937	$76,325	$1,004,758
24	288	$78,262	$1,800	$76,462	$928,296
25	289	$78,262	$1,663	$76,599	$851,698
25	290	$78,262	$1,526	$76,736	$774,962
25	291	$78,262	$1,388	$76,873	$698,088
25	292	$78,262	$1,251	$77,011	$621,077
25	293	$78,262	$1,113	$77,149	$543,928
25	294	$78,262	$975	$77,287	$466,641
25	295	$78,262	$836	$77,426	$389,215
25	296	$78,262	$697	$77,565	$311,650
25	297	$78,262	$558	$77,704	$233,947
25	298	$78,262	$419	$77,843	$156,104
25	299	$78,262	$280	$77,982	$78,122
25	300	$78,262	$140	$78,122	$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$ 12,100,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 12,402,500

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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.