Century 21 Centaland Property

Down Payment (HKD)

$47,792,000

Monthly Repayment (HKD)

$309,115

Loan Amount (HKD)

$71,688,000

Total Interest (HKD)

$21,046,501

Total Repayment (HKD)

$92,734,501

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$309,115	$128,441	$180,674	$71,507,326
1	2	$309,115	$128,117	$180,998	$71,326,328
1	3	$309,115	$127,793	$181,322	$71,145,006
1	4	$309,115	$127,468	$181,647	$70,963,359
1	5	$309,115	$127,143	$181,972	$70,781,387
1	6	$309,115	$126,817	$182,298	$70,599,089
1	7	$309,115	$126,490	$182,625	$70,416,464
1	8	$309,115	$126,163	$182,952	$70,233,512
1	9	$309,115	$125,835	$183,280	$70,050,232
1	10	$309,115	$125,507	$183,608	$69,866,623
1	11	$309,115	$125,178	$183,937	$69,682,686
1	12	$309,115	$124,848	$184,267	$69,498,419
2	13	$309,115	$124,518	$184,597	$69,313,822
2	14	$309,115	$124,187	$184,928	$69,128,894
2	15	$309,115	$123,856	$185,259	$68,943,635
2	16	$309,115	$123,524	$185,591	$68,758,044
2	17	$309,115	$123,191	$185,924	$68,572,121
2	18	$309,115	$122,858	$186,257	$68,385,864
2	19	$309,115	$122,525	$186,590	$68,199,274
2	20	$309,115	$122,190	$186,925	$68,012,349
2	21	$309,115	$121,855	$187,260	$67,825,090
2	22	$309,115	$121,520	$187,595	$67,637,495
2	23	$309,115	$121,184	$187,931	$67,449,563
2	24	$309,115	$120,847	$188,268	$67,261,296
3	25	$309,115	$120,510	$188,605	$67,072,690
3	26	$309,115	$120,172	$188,943	$66,883,747
3	27	$309,115	$119,833	$189,282	$66,694,466
3	28	$309,115	$119,494	$189,621	$66,504,845
3	29	$309,115	$119,155	$189,960	$66,314,884
3	30	$309,115	$118,814	$190,301	$66,124,584
3	31	$309,115	$118,473	$190,642	$65,933,942
3	32	$309,115	$118,132	$190,983	$65,742,958
3	33	$309,115	$117,789	$191,326	$65,551,633
3	34	$309,115	$117,447	$191,668	$65,359,965
3	35	$309,115	$117,103	$192,012	$65,167,953
3	36	$309,115	$116,759	$192,356	$64,975,597
4	37	$309,115	$116,415	$192,700	$64,782,897
4	38	$309,115	$116,069	$193,046	$64,589,851
4	39	$309,115	$115,723	$193,392	$64,396,460
4	40	$309,115	$115,377	$193,738	$64,202,722
4	41	$309,115	$115,030	$194,085	$64,008,636
4	42	$309,115	$114,682	$194,433	$63,814,204
4	43	$309,115	$114,334	$194,781	$63,619,422
4	44	$309,115	$113,985	$195,130	$63,424,292
4	45	$309,115	$113,635	$195,480	$63,228,812
4	46	$309,115	$113,285	$195,830	$63,032,982
4	47	$309,115	$112,934	$196,181	$62,836,801
4	48	$309,115	$112,583	$196,532	$62,640,269
5	49	$309,115	$112,230	$196,885	$62,443,384
5	50	$309,115	$111,878	$197,237	$62,246,147
5	51	$309,115	$111,524	$197,591	$62,048,556
5	52	$309,115	$111,170	$197,945	$61,850,612
5	53	$309,115	$110,816	$198,299	$61,652,312
5	54	$309,115	$110,460	$198,655	$61,453,658
5	55	$309,115	$110,104	$199,011	$61,254,647
5	56	$309,115	$109,748	$199,367	$61,055,280
5	57	$309,115	$109,391	$199,724	$60,855,556
5	58	$309,115	$109,033	$200,082	$60,655,474
5	59	$309,115	$108,674	$200,441	$60,455,033
5	60	$309,115	$108,315	$200,800	$60,254,233
6	61	$309,115	$107,956	$201,160	$60,053,074
6	62	$309,115	$107,595	$201,520	$59,851,554
6	63	$309,115	$107,234	$201,881	$59,649,673
6	64	$309,115	$106,872	$202,243	$59,447,430
6	65	$309,115	$106,510	$202,605	$59,244,825
6	66	$309,115	$106,147	$202,968	$59,041,857
6	67	$309,115	$105,783	$203,332	$58,838,526
6	68	$309,115	$105,419	$203,696	$58,634,830
6	69	$309,115	$105,054	$204,061	$58,430,769
6	70	$309,115	$104,688	$204,427	$58,226,342
6	71	$309,115	$104,322	$204,793	$58,021,549
6	72	$309,115	$103,955	$205,160	$57,816,390
7	73	$309,115	$103,588	$205,527	$57,610,862
7	74	$309,115	$103,219	$205,896	$57,404,967
7	75	$309,115	$102,851	$206,264	$57,198,702
7	76	$309,115	$102,481	$206,634	$56,992,068
7	77	$309,115	$102,111	$207,004	$56,785,064
7	78	$309,115	$101,740	$207,375	$56,577,689
7	79	$309,115	$101,368	$207,747	$56,369,942
7	80	$309,115	$100,996	$208,119	$56,161,824
7	81	$309,115	$100,623	$208,492	$55,953,332
7	82	$309,115	$100,250	$208,865	$55,744,467
7	83	$309,115	$99,876	$209,240	$55,535,227
7	84	$309,115	$99,501	$209,614	$55,325,613
8	85	$309,115	$99,125	$209,990	$55,115,623
8	86	$309,115	$98,749	$210,366	$54,905,257
8	87	$309,115	$98,372	$210,743	$54,694,513
8	88	$309,115	$97,994	$211,121	$54,483,393
8	89	$309,115	$97,616	$211,499	$54,271,894
8	90	$309,115	$97,237	$211,878	$54,060,016
8	91	$309,115	$96,858	$212,257	$53,847,759
8	92	$309,115	$96,477	$212,638	$53,635,121
8	93	$309,115	$96,096	$213,019	$53,422,102
8	94	$309,115	$95,715	$213,400	$53,208,702
8	95	$309,115	$95,332	$213,783	$52,994,919
8	96	$309,115	$94,949	$214,166	$52,780,753
9	97	$309,115	$94,566	$214,549	$52,566,204
9	98	$309,115	$94,181	$214,934	$52,351,270
9	99	$309,115	$93,796	$215,319	$52,135,951
9	100	$309,115	$93,410	$215,705	$51,920,246
9	101	$309,115	$93,024	$216,091	$51,704,155
9	102	$309,115	$92,637	$216,478	$51,487,676
9	103	$309,115	$92,249	$216,866	$51,270,810
9	104	$309,115	$91,860	$217,255	$51,053,555
9	105	$309,115	$91,471	$217,644	$50,835,911
9	106	$309,115	$91,081	$218,034	$50,617,877
9	107	$309,115	$90,690	$218,425	$50,399,453
9	108	$309,115	$90,299	$218,816	$50,180,637
10	109	$309,115	$89,907	$219,208	$49,961,429
10	110	$309,115	$89,514	$219,601	$49,741,828
10	111	$309,115	$89,121	$219,994	$49,521,834
10	112	$309,115	$88,727	$220,388	$49,301,445
10	113	$309,115	$88,332	$220,783	$49,080,662
10	114	$309,115	$87,936	$221,179	$48,859,483
10	115	$309,115	$87,540	$221,575	$48,637,908
10	116	$309,115	$87,143	$221,972	$48,415,936
10	117	$309,115	$86,745	$222,370	$48,193,566
10	118	$309,115	$86,347	$222,768	$47,970,798
10	119	$309,115	$85,948	$223,167	$47,747,631
10	120	$309,115	$85,548	$223,567	$47,524,063
11	121	$309,115	$85,147	$223,968	$47,300,096
11	122	$309,115	$84,746	$224,369	$47,075,727
11	123	$309,115	$84,344	$224,771	$46,850,956
11	124	$309,115	$83,941	$225,174	$46,625,782
11	125	$309,115	$83,538	$225,577	$46,400,205
11	126	$309,115	$83,134	$225,981	$46,174,224
11	127	$309,115	$82,729	$226,386	$45,947,837
11	128	$309,115	$82,323	$226,792	$45,721,046
11	129	$309,115	$81,917	$227,198	$45,493,848
11	130	$309,115	$81,510	$227,605	$45,266,242
11	131	$309,115	$81,102	$228,013	$45,038,229
11	132	$309,115	$80,693	$228,422	$44,809,808
12	133	$309,115	$80,284	$228,831	$44,580,977
12	134	$309,115	$79,874	$229,241	$44,351,736
12	135	$309,115	$79,464	$229,651	$44,122,085
12	136	$309,115	$79,052	$230,063	$43,892,022
12	137	$309,115	$78,640	$230,475	$43,661,547
12	138	$309,115	$78,227	$230,888	$43,430,659
12	139	$309,115	$77,813	$231,302	$43,199,357
12	140	$309,115	$77,399	$231,716	$42,967,641
12	141	$309,115	$76,984	$232,131	$42,735,509
12	142	$309,115	$76,568	$232,547	$42,502,962
12	143	$309,115	$76,151	$232,964	$42,269,998
12	144	$309,115	$75,734	$233,381	$42,036,617
13	145	$309,115	$75,316	$233,799	$41,802,818
13	146	$309,115	$74,897	$234,218	$41,568,599
13	147	$309,115	$74,477	$234,638	$41,333,962
13	148	$309,115	$74,057	$235,058	$41,098,903
13	149	$309,115	$73,636	$235,479	$40,863,424
13	150	$309,115	$73,214	$235,901	$40,627,522
13	151	$309,115	$72,791	$236,324	$40,391,198
13	152	$309,115	$72,368	$236,747	$40,154,451
13	153	$309,115	$71,943	$237,172	$39,917,279
13	154	$309,115	$71,518	$237,597	$39,679,683
13	155	$309,115	$71,093	$238,022	$39,441,660
13	156	$309,115	$70,666	$238,449	$39,203,212
14	157	$309,115	$70,239	$238,876	$38,964,336
14	158	$309,115	$69,811	$239,304	$38,725,032
14	159	$309,115	$69,382	$239,733	$38,485,299
14	160	$309,115	$68,953	$240,162	$38,245,137
14	161	$309,115	$68,523	$240,592	$38,004,545
14	162	$309,115	$68,091	$241,024	$37,763,521
14	163	$309,115	$67,660	$241,455	$37,522,066
14	164	$309,115	$67,227	$241,888	$37,280,178
14	165	$309,115	$66,794	$242,321	$37,037,856
14	166	$309,115	$66,359	$242,756	$36,795,101
14	167	$309,115	$65,925	$243,190	$36,551,911
14	168	$309,115	$65,489	$243,626	$36,308,284
15	169	$309,115	$65,052	$244,063	$36,064,222
15	170	$309,115	$64,615	$244,500	$35,819,722
15	171	$309,115	$64,177	$244,938	$35,574,784
15	172	$309,115	$63,738	$245,377	$35,329,407
15	173	$309,115	$63,299	$245,816	$35,083,590
15	174	$309,115	$62,858	$246,257	$34,837,334
15	175	$309,115	$62,417	$246,698	$34,590,635
15	176	$309,115	$61,975	$247,140	$34,343,495
15	177	$309,115	$61,532	$247,583	$34,095,912
15	178	$309,115	$61,089	$248,026	$33,847,886
15	179	$309,115	$60,644	$248,471	$33,599,415
15	180	$309,115	$60,199	$248,916	$33,350,499
16	181	$309,115	$59,753	$249,362	$33,101,137
16	182	$309,115	$59,306	$249,809	$32,851,328
16	183	$309,115	$58,859	$250,256	$32,601,072
16	184	$309,115	$58,410	$250,705	$32,350,367
16	185	$309,115	$57,961	$251,154	$32,099,213
16	186	$309,115	$57,511	$251,604	$31,847,609
16	187	$309,115	$57,060	$252,055	$31,595,554
16	188	$309,115	$56,609	$252,506	$31,343,048
16	189	$309,115	$56,156	$252,959	$31,090,089
16	190	$309,115	$55,703	$253,412	$30,836,678
16	191	$309,115	$55,249	$253,866	$30,582,812
16	192	$309,115	$54,794	$254,321	$30,328,491
17	193	$309,115	$54,339	$254,776	$30,073,714
17	194	$309,115	$53,882	$255,233	$29,818,481
17	195	$309,115	$53,425	$255,690	$29,562,791
17	196	$309,115	$52,967	$256,148	$29,306,643
17	197	$309,115	$52,508	$256,607	$29,050,036
17	198	$309,115	$52,048	$257,067	$28,792,968
17	199	$309,115	$51,587	$257,528	$28,535,441
17	200	$309,115	$51,126	$257,989	$28,277,452
17	201	$309,115	$50,664	$258,451	$28,019,001
17	202	$309,115	$50,201	$258,914	$27,760,086
17	203	$309,115	$49,737	$259,378	$27,500,708
17	204	$309,115	$49,272	$259,843	$27,240,865
18	205	$309,115	$48,807	$260,308	$26,980,557
18	206	$309,115	$48,340	$260,775	$26,719,782
18	207	$309,115	$47,873	$261,242	$26,458,540
18	208	$309,115	$47,405	$261,710	$26,196,830
18	209	$309,115	$46,936	$262,179	$25,934,651
18	210	$309,115	$46,466	$262,649	$25,672,002
18	211	$309,115	$45,996	$263,119	$25,408,883
18	212	$309,115	$45,524	$263,591	$25,145,292
18	213	$309,115	$45,052	$264,063	$24,881,229
18	214	$309,115	$44,579	$264,536	$24,616,693
18	215	$309,115	$44,105	$265,010	$24,351,683
18	216	$309,115	$43,630	$265,485	$24,086,198
19	217	$309,115	$43,154	$265,961	$23,820,237
19	218	$309,115	$42,678	$266,437	$23,553,800
19	219	$309,115	$42,201	$266,914	$23,286,886
19	220	$309,115	$41,722	$267,393	$23,019,493
19	221	$309,115	$41,243	$267,872	$22,751,621
19	222	$309,115	$40,763	$268,352	$22,483,270
19	223	$309,115	$40,283	$268,832	$22,214,437
19	224	$309,115	$39,801	$269,314	$21,945,123
19	225	$309,115	$39,318	$269,797	$21,675,326
19	226	$309,115	$38,835	$270,280	$21,405,046
19	227	$309,115	$38,351	$270,764	$21,134,282
19	228	$309,115	$37,866	$271,249	$20,863,033
20	229	$309,115	$37,380	$271,735	$20,591,297
20	230	$309,115	$36,893	$272,222	$20,319,075
20	231	$309,115	$36,405	$272,710	$20,046,365
20	232	$309,115	$35,916	$273,199	$19,773,166
20	233	$309,115	$35,427	$273,688	$19,499,478
20	234	$309,115	$34,937	$274,178	$19,225,300
20	235	$309,115	$34,445	$274,670	$18,950,630
20	236	$309,115	$33,953	$275,162	$18,675,468
20	237	$309,115	$33,460	$275,655	$18,399,814
20	238	$309,115	$32,966	$276,149	$18,123,665
20	239	$309,115	$32,472	$276,643	$17,847,021
20	240	$309,115	$31,976	$277,139	$17,569,882
21	241	$309,115	$31,479	$277,636	$17,292,247
21	242	$309,115	$30,982	$278,133	$17,014,114
21	243	$309,115	$30,484	$278,631	$16,735,482
21	244	$309,115	$29,984	$279,131	$16,456,352
21	245	$309,115	$29,484	$279,631	$16,176,721
21	246	$309,115	$28,983	$280,132	$15,896,589
21	247	$309,115	$28,481	$280,634	$15,615,956
21	248	$309,115	$27,979	$281,136	$15,334,819
21	249	$309,115	$27,475	$281,640	$15,053,179
21	250	$309,115	$26,970	$282,145	$14,771,034
21	251	$309,115	$26,465	$282,650	$14,488,384
21	252	$309,115	$25,958	$283,157	$14,205,227
22	253	$309,115	$25,451	$283,664	$13,921,563
22	254	$309,115	$24,943	$284,172	$13,637,391
22	255	$309,115	$24,434	$284,681	$13,352,710
22	256	$309,115	$23,924	$285,191	$13,067,519
22	257	$309,115	$23,413	$285,702	$12,781,816
22	258	$309,115	$22,901	$286,214	$12,495,602
22	259	$309,115	$22,388	$286,727	$12,208,875
22	260	$309,115	$21,874	$287,241	$11,921,634
22	261	$309,115	$21,360	$287,755	$11,633,879
22	262	$309,115	$20,844	$288,271	$11,345,608
22	263	$309,115	$20,328	$288,787	$11,056,820
22	264	$309,115	$19,810	$289,305	$10,767,515
23	265	$309,115	$19,292	$289,823	$10,477,692
23	266	$309,115	$18,773	$290,342	$10,187,350
23	267	$309,115	$18,252	$290,863	$9,896,487
23	268	$309,115	$17,731	$291,384	$9,605,103
23	269	$309,115	$17,209	$291,906	$9,313,197
23	270	$309,115	$16,686	$292,429	$9,020,769
23	271	$309,115	$16,162	$292,953	$8,727,816
23	272	$309,115	$15,637	$293,478	$8,434,338
23	273	$309,115	$15,112	$294,003	$8,140,335
23	274	$309,115	$14,585	$294,530	$7,845,804
23	275	$309,115	$14,057	$295,058	$7,550,746
23	276	$309,115	$13,528	$295,587	$7,255,160
24	277	$309,115	$12,999	$296,116	$6,959,044
24	278	$309,115	$12,468	$296,647	$6,662,397
24	279	$309,115	$11,937	$297,178	$6,365,219
24	280	$309,115	$11,404	$297,711	$6,067,508
24	281	$309,115	$10,871	$298,244	$5,769,264
24	282	$309,115	$10,337	$298,778	$5,470,486
24	283	$309,115	$9,801	$299,314	$5,171,172
24	284	$309,115	$9,265	$299,850	$4,871,322
24	285	$309,115	$8,728	$300,387	$4,570,935
24	286	$309,115	$8,190	$300,925	$4,270,009
24	287	$309,115	$7,650	$301,465	$3,968,545
24	288	$309,115	$7,110	$302,005	$3,666,540
25	289	$309,115	$6,569	$302,546	$3,363,994
25	290	$309,115	$6,027	$303,088	$3,060,906
25	291	$309,115	$5,484	$303,631	$2,757,275
25	292	$309,115	$4,940	$304,175	$2,453,101
25	293	$309,115	$4,395	$304,720	$2,148,381
25	294	$309,115	$3,849	$305,266	$1,843,115
25	295	$309,115	$3,302	$305,813	$1,537,302
25	296	$309,115	$2,754	$306,361	$1,230,941
25	297	$309,115	$2,205	$306,910	$924,032
25	298	$309,115	$1,656	$307,459	$616,572
25	299	$309,115	$1,105	$308,010	$308,562
25	300	$309,115	$553	$308,562	$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$ 47,792,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 48,986,800

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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.