Century 21 Centaland Property

Down Payment (HKD)

$23,200,000

Monthly Repayment (HKD)

$150,056

Loan Amount (HKD)

$34,800,000

Total Interest (HKD)

$10,216,748

Total Repayment (HKD)

$45,016,748

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$150,056	$62,350	$87,706	$34,712,294
1	2	$150,056	$62,193	$87,863	$34,624,431
1	3	$150,056	$62,035	$88,020	$34,536,411
1	4	$150,056	$61,878	$88,178	$34,448,233
1	5	$150,056	$61,720	$88,336	$34,359,897
1	6	$150,056	$61,561	$88,494	$34,271,402
1	7	$150,056	$61,403	$88,653	$34,182,749
1	8	$150,056	$61,244	$88,812	$34,093,938
1	9	$150,056	$61,085	$88,971	$34,004,967
1	10	$150,056	$60,926	$89,130	$33,915,837
1	11	$150,056	$60,766	$89,290	$33,826,547
1	12	$150,056	$60,606	$89,450	$33,737,097
2	13	$150,056	$60,446	$89,610	$33,647,486
2	14	$150,056	$60,285	$89,771	$33,557,716
2	15	$150,056	$60,124	$89,932	$33,467,784
2	16	$150,056	$59,963	$90,093	$33,377,691
2	17	$150,056	$59,802	$90,254	$33,287,437
2	18	$150,056	$59,640	$90,416	$33,197,021
2	19	$150,056	$59,478	$90,578	$33,106,444
2	20	$150,056	$59,316	$90,740	$33,015,704
2	21	$150,056	$59,153	$90,903	$32,924,801
2	22	$150,056	$58,990	$91,066	$32,833,735
2	23	$150,056	$58,827	$91,229	$32,742,507
2	24	$150,056	$58,664	$91,392	$32,651,114
3	25	$150,056	$58,500	$91,556	$32,559,558
3	26	$150,056	$58,336	$91,720	$32,467,839
3	27	$150,056	$58,172	$91,884	$32,375,954
3	28	$150,056	$58,007	$92,049	$32,283,905
3	29	$150,056	$57,842	$92,214	$32,191,691
3	30	$150,056	$57,677	$92,379	$32,099,312
3	31	$150,056	$57,511	$92,545	$32,006,768
3	32	$150,056	$57,345	$92,710	$31,914,058
3	33	$150,056	$57,179	$92,876	$31,821,181
3	34	$150,056	$57,013	$93,043	$31,728,138
3	35	$150,056	$56,846	$93,210	$31,634,929
3	36	$150,056	$56,679	$93,377	$31,541,552
4	37	$150,056	$56,512	$93,544	$31,448,008
4	38	$150,056	$56,344	$93,711	$31,354,297
4	39	$150,056	$56,176	$93,879	$31,260,417
4	40	$150,056	$56,008	$94,048	$31,166,370
4	41	$150,056	$55,840	$94,216	$31,072,154
4	42	$150,056	$55,671	$94,385	$30,977,769
4	43	$150,056	$55,502	$94,554	$30,883,215
4	44	$150,056	$55,332	$94,723	$30,788,491
4	45	$150,056	$55,163	$94,893	$30,693,598
4	46	$150,056	$54,993	$95,063	$30,598,535
4	47	$150,056	$54,822	$95,233	$30,503,302
4	48	$150,056	$54,652	$95,404	$30,407,898
5	49	$150,056	$54,481	$95,575	$30,312,323
5	50	$150,056	$54,310	$95,746	$30,216,576
5	51	$150,056	$54,138	$95,918	$30,120,658
5	52	$150,056	$53,966	$96,090	$30,024,569
5	53	$150,056	$53,794	$96,262	$29,928,307
5	54	$150,056	$53,622	$96,434	$29,831,873
5	55	$150,056	$53,449	$96,607	$29,735,266
5	56	$150,056	$53,276	$96,780	$29,638,486
5	57	$150,056	$53,102	$96,954	$29,541,532
5	58	$150,056	$52,929	$97,127	$29,444,405
5	59	$150,056	$52,755	$97,301	$29,347,104
5	60	$150,056	$52,580	$97,476	$29,249,628
6	61	$150,056	$52,406	$97,650	$29,151,978
6	62	$150,056	$52,231	$97,825	$29,054,152
6	63	$150,056	$52,055	$98,000	$28,956,152
6	64	$150,056	$51,880	$98,176	$28,857,976
6	65	$150,056	$51,704	$98,352	$28,759,624
6	66	$150,056	$51,528	$98,528	$28,661,096
6	67	$150,056	$51,351	$98,705	$28,562,391
6	68	$150,056	$51,174	$98,882	$28,463,510
6	69	$150,056	$50,997	$99,059	$28,364,451
6	70	$150,056	$50,820	$99,236	$28,265,215
6	71	$150,056	$50,642	$99,414	$28,165,801
6	72	$150,056	$50,464	$99,592	$28,066,209
7	73	$150,056	$50,285	$99,771	$27,966,438
7	74	$150,056	$50,107	$99,949	$27,866,489
7	75	$150,056	$49,927	$100,128	$27,766,360
7	76	$150,056	$49,748	$100,308	$27,666,053
7	77	$150,056	$49,568	$100,487	$27,565,565
7	78	$150,056	$49,388	$100,668	$27,464,898
7	79	$150,056	$49,208	$100,848	$27,364,050
7	80	$150,056	$49,027	$101,029	$27,263,021
7	81	$150,056	$48,846	$101,210	$27,161,812
7	82	$150,056	$48,665	$101,391	$27,060,421
7	83	$150,056	$48,483	$101,573	$26,958,848
7	84	$150,056	$48,301	$101,755	$26,857,094
8	85	$150,056	$48,119	$101,937	$26,755,157
8	86	$150,056	$47,936	$102,120	$26,653,037
8	87	$150,056	$47,753	$102,302	$26,550,735
8	88	$150,056	$47,570	$102,486	$26,448,249
8	89	$150,056	$47,386	$102,669	$26,345,580
8	90	$150,056	$47,202	$102,853	$26,242,726
8	91	$150,056	$47,018	$103,038	$26,139,689
8	92	$150,056	$46,834	$103,222	$26,036,466
8	93	$150,056	$46,649	$103,407	$25,933,059
8	94	$150,056	$46,463	$103,592	$25,829,467
8	95	$150,056	$46,278	$103,778	$25,725,689
8	96	$150,056	$46,092	$103,964	$25,621,725
9	97	$150,056	$45,906	$104,150	$25,517,575
9	98	$150,056	$45,719	$104,337	$25,413,238
9	99	$150,056	$45,532	$104,524	$25,308,714
9	100	$150,056	$45,345	$104,711	$25,204,003
9	101	$150,056	$45,157	$104,899	$25,099,104
9	102	$150,056	$44,969	$105,087	$24,994,018
9	103	$150,056	$44,781	$105,275	$24,888,743
9	104	$150,056	$44,592	$105,463	$24,783,279
9	105	$150,056	$44,403	$105,652	$24,677,627
9	106	$150,056	$44,214	$105,842	$24,571,785
9	107	$150,056	$44,024	$106,031	$24,465,754
9	108	$150,056	$43,834	$106,221	$24,359,532
10	109	$150,056	$43,644	$106,412	$24,253,121
10	110	$150,056	$43,454	$106,602	$24,146,518
10	111	$150,056	$43,263	$106,793	$24,039,725
10	112	$150,056	$43,071	$106,985	$23,932,740
10	113	$150,056	$42,879	$107,176	$23,825,564
10	114	$150,056	$42,687	$107,368	$23,718,196
10	115	$150,056	$42,495	$107,561	$23,610,635
10	116	$150,056	$42,302	$107,753	$23,502,882
10	117	$150,056	$42,109	$107,946	$23,394,935
10	118	$150,056	$41,916	$108,140	$23,286,795
10	119	$150,056	$41,722	$108,334	$23,178,461
10	120	$150,056	$41,528	$108,528	$23,069,934
11	121	$150,056	$41,334	$108,722	$22,961,212
11	122	$150,056	$41,139	$108,917	$22,852,295
11	123	$150,056	$40,944	$109,112	$22,743,182
11	124	$150,056	$40,748	$109,308	$22,633,875
11	125	$150,056	$40,552	$109,503	$22,524,371
11	126	$150,056	$40,356	$109,700	$22,414,672
11	127	$150,056	$40,160	$109,896	$22,304,775
11	128	$150,056	$39,963	$110,093	$22,194,682
11	129	$150,056	$39,765	$110,290	$22,084,392
11	130	$150,056	$39,568	$110,488	$21,973,904
11	131	$150,056	$39,370	$110,686	$21,863,218
11	132	$150,056	$39,172	$110,884	$21,752,334
12	133	$150,056	$38,973	$111,083	$21,641,251
12	134	$150,056	$38,774	$111,282	$21,529,969
12	135	$150,056	$38,575	$111,481	$21,418,488
12	136	$150,056	$38,375	$111,681	$21,306,807
12	137	$150,056	$38,175	$111,881	$21,194,926
12	138	$150,056	$37,974	$112,082	$21,082,844
12	139	$150,056	$37,773	$112,282	$20,970,562
12	140	$150,056	$37,572	$112,484	$20,858,078
12	141	$150,056	$37,371	$112,685	$20,745,393
12	142	$150,056	$37,169	$112,887	$20,632,506
12	143	$150,056	$36,967	$113,089	$20,519,417
12	144	$150,056	$36,764	$113,292	$20,406,125
13	145	$150,056	$36,561	$113,495	$20,292,630
13	146	$150,056	$36,358	$113,698	$20,178,932
13	147	$150,056	$36,154	$113,902	$20,065,030
13	148	$150,056	$35,950	$114,106	$19,950,924
13	149	$150,056	$35,745	$114,310	$19,836,613
13	150	$150,056	$35,541	$114,515	$19,722,098
13	151	$150,056	$35,335	$114,720	$19,607,378
13	152	$150,056	$35,130	$114,926	$19,492,452
13	153	$150,056	$34,924	$115,132	$19,377,320
13	154	$150,056	$34,718	$115,338	$19,261,982
13	155	$150,056	$34,511	$115,545	$19,146,437
13	156	$150,056	$34,304	$115,752	$19,030,685
14	157	$150,056	$34,097	$115,959	$18,914,726
14	158	$150,056	$33,889	$116,167	$18,798,559
14	159	$150,056	$33,681	$116,375	$18,682,184
14	160	$150,056	$33,472	$116,584	$18,565,601
14	161	$150,056	$33,263	$116,792	$18,448,808
14	162	$150,056	$33,054	$117,002	$18,331,806
14	163	$150,056	$32,844	$117,211	$18,214,595
14	164	$150,056	$32,634	$117,421	$18,097,174
14	165	$150,056	$32,424	$117,632	$17,979,542
14	166	$150,056	$32,213	$117,842	$17,861,699
14	167	$150,056	$32,002	$118,054	$17,743,646
14	168	$150,056	$31,791	$118,265	$17,625,381
15	169	$150,056	$31,579	$118,477	$17,506,904
15	170	$150,056	$31,367	$118,689	$17,388,214
15	171	$150,056	$31,154	$118,902	$17,269,312
15	172	$150,056	$30,941	$119,115	$17,150,198
15	173	$150,056	$30,727	$119,328	$17,030,869
15	174	$150,056	$30,514	$119,542	$16,911,327
15	175	$150,056	$30,299	$119,756	$16,791,571
15	176	$150,056	$30,085	$119,971	$16,671,600
15	177	$150,056	$29,870	$120,186	$16,551,414
15	178	$150,056	$29,655	$120,401	$16,431,013
15	179	$150,056	$29,439	$120,617	$16,310,396
15	180	$150,056	$29,223	$120,833	$16,189,563
16	181	$150,056	$29,006	$121,050	$16,068,513
16	182	$150,056	$28,789	$121,266	$15,947,247
16	183	$150,056	$28,572	$121,484	$15,825,763
16	184	$150,056	$28,354	$121,701	$15,704,062
16	185	$150,056	$28,136	$121,919	$15,582,142
16	186	$150,056	$27,918	$122,138	$15,460,004
16	187	$150,056	$27,699	$122,357	$15,337,648
16	188	$150,056	$27,480	$122,576	$15,215,072
16	189	$150,056	$27,260	$122,795	$15,092,276
16	190	$150,056	$27,040	$123,015	$14,969,261
16	191	$150,056	$26,820	$123,236	$14,846,025
16	192	$150,056	$26,599	$123,457	$14,722,568
17	193	$150,056	$26,378	$123,678	$14,598,890
17	194	$150,056	$26,156	$123,899	$14,474,991
17	195	$150,056	$25,934	$124,121	$14,350,869
17	196	$150,056	$25,712	$124,344	$14,226,526
17	197	$150,056	$25,489	$124,567	$14,101,959
17	198	$150,056	$25,266	$124,790	$13,977,169
17	199	$150,056	$25,042	$125,013	$13,852,156
17	200	$150,056	$24,818	$125,237	$13,726,918
17	201	$150,056	$24,594	$125,462	$13,601,457
17	202	$150,056	$24,369	$125,687	$13,475,770
17	203	$150,056	$24,144	$125,912	$13,349,858
17	204	$150,056	$23,918	$126,137	$13,223,721
18	205	$150,056	$23,693	$126,363	$13,097,358
18	206	$150,056	$23,466	$126,590	$12,970,768
18	207	$150,056	$23,239	$126,817	$12,843,951
18	208	$150,056	$23,012	$127,044	$12,716,908
18	209	$150,056	$22,784	$127,271	$12,589,636
18	210	$150,056	$22,556	$127,499	$12,462,137
18	211	$150,056	$22,328	$127,728	$12,334,409
18	212	$150,056	$22,099	$127,957	$12,206,452
18	213	$150,056	$21,870	$128,186	$12,078,266
18	214	$150,056	$21,640	$128,416	$11,949,851
18	215	$150,056	$21,410	$128,646	$11,821,205
18	216	$150,056	$21,180	$128,876	$11,692,329
19	217	$150,056	$20,949	$129,107	$11,563,222
19	218	$150,056	$20,717	$129,338	$11,433,884
19	219	$150,056	$20,486	$129,570	$11,304,313
19	220	$150,056	$20,254	$129,802	$11,174,511
19	221	$150,056	$20,021	$130,035	$11,044,476
19	222	$150,056	$19,788	$130,268	$10,914,209
19	223	$150,056	$19,555	$130,501	$10,783,707
19	224	$150,056	$19,321	$130,735	$10,652,972
19	225	$150,056	$19,087	$130,969	$10,522,003
19	226	$150,056	$18,852	$131,204	$10,390,799
19	227	$150,056	$18,617	$131,439	$10,259,360
19	228	$150,056	$18,381	$131,674	$10,127,686
20	229	$150,056	$18,145	$131,910	$9,995,775
20	230	$150,056	$17,909	$132,147	$9,863,629
20	231	$150,056	$17,672	$132,383	$9,731,245
20	232	$150,056	$17,435	$132,621	$9,598,624
20	233	$150,056	$17,198	$132,858	$9,465,766
20	234	$150,056	$16,959	$133,096	$9,332,670
20	235	$150,056	$16,721	$133,335	$9,199,335
20	236	$150,056	$16,482	$133,574	$9,065,761
20	237	$150,056	$16,243	$133,813	$8,931,948
20	238	$150,056	$16,003	$134,053	$8,797,896
20	239	$150,056	$15,763	$134,293	$8,663,603
20	240	$150,056	$15,522	$134,534	$8,529,069
21	241	$150,056	$15,281	$134,775	$8,394,295
21	242	$150,056	$15,040	$135,016	$8,259,278
21	243	$150,056	$14,798	$135,258	$8,124,021
21	244	$150,056	$14,556	$135,500	$7,988,520
21	245	$150,056	$14,313	$135,743	$7,852,777
21	246	$150,056	$14,070	$135,986	$7,716,791
21	247	$150,056	$13,826	$136,230	$7,580,561
21	248	$150,056	$13,582	$136,474	$7,444,087
21	249	$150,056	$13,337	$136,719	$7,307,368
21	250	$150,056	$13,092	$136,963	$7,170,405
21	251	$150,056	$12,847	$137,209	$7,033,196
21	252	$150,056	$12,601	$137,455	$6,895,741
22	253	$150,056	$12,355	$137,701	$6,758,041
22	254	$150,056	$12,108	$137,948	$6,620,093
22	255	$150,056	$11,861	$138,195	$6,481,898
22	256	$150,056	$11,613	$138,442	$6,343,456
22	257	$150,056	$11,365	$138,690	$6,204,765
22	258	$150,056	$11,117	$138,939	$6,065,826
22	259	$150,056	$10,868	$139,188	$5,926,638
22	260	$150,056	$10,619	$139,437	$5,787,201
22	261	$150,056	$10,369	$139,687	$5,647,514
22	262	$150,056	$10,118	$139,937	$5,507,577
22	263	$150,056	$9,868	$140,188	$5,367,388
22	264	$150,056	$9,617	$140,439	$5,226,949
23	265	$150,056	$9,365	$140,691	$5,086,258
23	266	$150,056	$9,113	$140,943	$4,945,315
23	267	$150,056	$8,860	$141,195	$4,804,120
23	268	$150,056	$8,607	$141,448	$4,662,671
23	269	$150,056	$8,354	$141,702	$4,520,970
23	270	$150,056	$8,100	$141,956	$4,379,014
23	271	$150,056	$7,846	$142,210	$4,236,804
23	272	$150,056	$7,591	$142,465	$4,094,339
23	273	$150,056	$7,336	$142,720	$3,951,619
23	274	$150,056	$7,080	$142,976	$3,808,643
23	275	$150,056	$6,824	$143,232	$3,665,411
23	276	$150,056	$6,567	$143,489	$3,521,922
24	277	$150,056	$6,310	$143,746	$3,378,177
24	278	$150,056	$6,053	$144,003	$3,234,173
24	279	$150,056	$5,795	$144,261	$3,089,912
24	280	$150,056	$5,536	$144,520	$2,945,392
24	281	$150,056	$5,277	$144,779	$2,800,614
24	282	$150,056	$5,018	$145,038	$2,655,576
24	283	$150,056	$4,758	$145,298	$2,510,278
24	284	$150,056	$4,498	$145,558	$2,364,719
24	285	$150,056	$4,237	$145,819	$2,218,900
24	286	$150,056	$3,976	$146,080	$2,072,820
24	287	$150,056	$3,714	$146,342	$1,926,478
24	288	$150,056	$3,452	$146,604	$1,779,874
25	289	$150,056	$3,189	$146,867	$1,633,007
25	290	$150,056	$2,926	$147,130	$1,485,877
25	291	$150,056	$2,662	$147,394	$1,338,483
25	292	$150,056	$2,398	$147,658	$1,190,826
25	293	$150,056	$2,134	$147,922	$1,042,903
25	294	$150,056	$1,869	$148,187	$894,716
25	295	$150,056	$1,603	$148,453	$746,263
25	296	$150,056	$1,337	$148,719	$597,544
25	297	$150,056	$1,071	$148,985	$448,559
25	298	$150,056	$804	$149,252	$299,307
25	299	$150,056	$536	$149,520	$149,787
25	300	$150,056	$268	$149,787	$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$ 23,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 23,780,000

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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.