Century 21 Centaland Property

Down Payment (HKD)

$11,440,000

Monthly Repayment (HKD)

$73,993

Loan Amount (HKD)

$17,160,000

Total Interest (HKD)

$5,037,914

Total Repayment (HKD)

$22,197,914

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$73,993	$30,745	$43,248	$17,116,752
1	2	$73,993	$30,668	$43,326	$17,073,426
1	3	$73,993	$30,590	$43,403	$17,030,023
1	4	$73,993	$30,512	$43,481	$16,986,542
1	5	$73,993	$30,434	$43,559	$16,942,984
1	6	$73,993	$30,356	$43,637	$16,899,347
1	7	$73,993	$30,278	$43,715	$16,855,632
1	8	$73,993	$30,200	$43,793	$16,811,838
1	9	$73,993	$30,121	$43,872	$16,767,966
1	10	$73,993	$30,043	$43,950	$16,724,016
1	11	$73,993	$29,964	$44,029	$16,679,987
1	12	$73,993	$29,885	$44,108	$16,635,879
2	13	$73,993	$29,806	$44,187	$16,591,692
2	14	$73,993	$29,727	$44,266	$16,547,425
2	15	$73,993	$29,647	$44,346	$16,503,080
2	16	$73,993	$29,568	$44,425	$16,458,655
2	17	$73,993	$29,488	$44,505	$16,414,150
2	18	$73,993	$29,409	$44,584	$16,369,566
2	19	$73,993	$29,329	$44,664	$16,324,902
2	20	$73,993	$29,249	$44,744	$16,280,157
2	21	$73,993	$29,169	$44,824	$16,235,333
2	22	$73,993	$29,088	$44,905	$16,190,428
2	23	$73,993	$29,008	$44,985	$16,145,443
2	24	$73,993	$28,927	$45,066	$16,100,377
3	25	$73,993	$28,847	$45,147	$16,055,231
3	26	$73,993	$28,766	$45,227	$16,010,003
3	27	$73,993	$28,685	$45,308	$15,964,695
3	28	$73,993	$28,603	$45,390	$15,919,305
3	29	$73,993	$28,522	$45,471	$15,873,834
3	30	$73,993	$28,441	$45,552	$15,828,282
3	31	$73,993	$28,359	$45,634	$15,782,648
3	32	$73,993	$28,277	$45,716	$15,736,932
3	33	$73,993	$28,195	$45,798	$15,691,134
3	34	$73,993	$28,113	$45,880	$15,645,254
3	35	$73,993	$28,031	$45,962	$15,599,292
3	36	$73,993	$27,949	$46,044	$15,553,248
4	37	$73,993	$27,866	$46,127	$15,507,121
4	38	$73,993	$27,784	$46,209	$15,460,912
4	39	$73,993	$27,701	$46,292	$15,414,620
4	40	$73,993	$27,618	$46,375	$15,368,244
4	41	$73,993	$27,535	$46,458	$15,321,786
4	42	$73,993	$27,452	$46,542	$15,275,245
4	43	$73,993	$27,368	$46,625	$15,228,620
4	44	$73,993	$27,285	$46,708	$15,181,911
4	45	$73,993	$27,201	$46,792	$15,135,119
4	46	$73,993	$27,117	$46,876	$15,088,243
4	47	$73,993	$27,033	$46,960	$15,041,283
4	48	$73,993	$26,949	$47,044	$14,994,239
5	49	$73,993	$26,865	$47,128	$14,947,111
5	50	$73,993	$26,780	$47,213	$14,899,898
5	51	$73,993	$26,696	$47,297	$14,852,601
5	52	$73,993	$26,611	$47,382	$14,805,218
5	53	$73,993	$26,526	$47,467	$14,757,751
5	54	$73,993	$26,441	$47,552	$14,710,199
5	55	$73,993	$26,356	$47,637	$14,662,562
5	56	$73,993	$26,270	$47,723	$14,614,839
5	57	$73,993	$26,185	$47,808	$14,567,031
5	58	$73,993	$26,099	$47,894	$14,519,138
5	59	$73,993	$26,013	$47,980	$14,471,158
5	60	$73,993	$25,927	$48,066	$14,423,092
6	61	$73,993	$25,841	$48,152	$14,374,941
6	62	$73,993	$25,755	$48,238	$14,326,703
6	63	$73,993	$25,669	$48,324	$14,278,378
6	64	$73,993	$25,582	$48,411	$14,229,967
6	65	$73,993	$25,495	$48,498	$14,181,470
6	66	$73,993	$25,408	$48,585	$14,132,885
6	67	$73,993	$25,321	$48,672	$14,084,214
6	68	$73,993	$25,234	$48,759	$14,035,455
6	69	$73,993	$25,147	$48,846	$13,986,609
6	70	$73,993	$25,059	$48,934	$13,937,675
6	71	$73,993	$24,972	$49,021	$13,888,653
6	72	$73,993	$24,884	$49,109	$13,839,544
7	73	$73,993	$24,796	$49,197	$13,790,347
7	74	$73,993	$24,708	$49,285	$13,741,062
7	75	$73,993	$24,619	$49,374	$13,691,688
7	76	$73,993	$24,531	$49,462	$13,642,226
7	77	$73,993	$24,442	$49,551	$13,592,675
7	78	$73,993	$24,354	$49,640	$13,543,036
7	79	$73,993	$24,265	$49,728	$13,493,307
7	80	$73,993	$24,176	$49,818	$13,443,490
7	81	$73,993	$24,086	$49,907	$13,393,583
7	82	$73,993	$23,997	$49,996	$13,343,587
7	83	$73,993	$23,907	$50,086	$13,293,501
7	84	$73,993	$23,818	$50,176	$13,243,325
8	85	$73,993	$23,728	$50,265	$13,193,060
8	86	$73,993	$23,638	$50,355	$13,142,705
8	87	$73,993	$23,547	$50,446	$13,092,259
8	88	$73,993	$23,457	$50,536	$13,041,723
8	89	$73,993	$23,366	$50,627	$12,991,096
8	90	$73,993	$23,276	$50,717	$12,940,379
8	91	$73,993	$23,185	$50,808	$12,889,571
8	92	$73,993	$23,094	$50,899	$12,838,671
8	93	$73,993	$23,003	$50,990	$12,787,681
8	94	$73,993	$22,911	$51,082	$12,736,599
8	95	$73,993	$22,820	$51,173	$12,685,426
8	96	$73,993	$22,728	$51,265	$12,634,161
9	97	$73,993	$22,636	$51,357	$12,582,804
9	98	$73,993	$22,544	$51,449	$12,531,355
9	99	$73,993	$22,452	$51,541	$12,479,814
9	100	$73,993	$22,360	$51,633	$12,428,181
9	101	$73,993	$22,267	$51,726	$12,376,455
9	102	$73,993	$22,174	$51,819	$12,324,636
9	103	$73,993	$22,082	$51,911	$12,272,725
9	104	$73,993	$21,989	$52,004	$12,220,720
9	105	$73,993	$21,895	$52,098	$12,168,623
9	106	$73,993	$21,802	$52,191	$12,116,432
9	107	$73,993	$21,709	$52,284	$12,064,148
9	108	$73,993	$21,615	$52,378	$12,011,769
10	109	$73,993	$21,521	$52,472	$11,959,297
10	110	$73,993	$21,427	$52,566	$11,906,731
10	111	$73,993	$21,333	$52,660	$11,854,071
10	112	$73,993	$21,239	$52,755	$11,801,317
10	113	$73,993	$21,144	$52,849	$11,748,468
10	114	$73,993	$21,049	$52,944	$11,695,524
10	115	$73,993	$20,954	$53,039	$11,642,486
10	116	$73,993	$20,859	$53,134	$11,589,352
10	117	$73,993	$20,764	$53,229	$11,536,123
10	118	$73,993	$20,669	$53,324	$11,482,799
10	119	$73,993	$20,573	$53,420	$11,429,379
10	120	$73,993	$20,478	$53,515	$11,375,864
11	121	$73,993	$20,382	$53,611	$11,322,253
11	122	$73,993	$20,286	$53,707	$11,268,545
11	123	$73,993	$20,189	$53,804	$11,214,742
11	124	$73,993	$20,093	$53,900	$11,160,842
11	125	$73,993	$19,997	$53,997	$11,106,845
11	126	$73,993	$19,900	$54,093	$11,052,752
11	127	$73,993	$19,803	$54,190	$10,998,562
11	128	$73,993	$19,706	$54,287	$10,944,274
11	129	$73,993	$19,608	$54,385	$10,889,890
11	130	$73,993	$19,511	$54,482	$10,835,408
11	131	$73,993	$19,413	$54,580	$10,780,828
11	132	$73,993	$19,316	$54,677	$10,726,151
12	133	$73,993	$19,218	$54,775	$10,671,375
12	134	$73,993	$19,120	$54,873	$10,616,502
12	135	$73,993	$19,021	$54,972	$10,561,530
12	136	$73,993	$18,923	$55,070	$10,506,460
12	137	$73,993	$18,824	$55,169	$10,451,291
12	138	$73,993	$18,725	$55,268	$10,396,023
12	139	$73,993	$18,626	$55,367	$10,340,656
12	140	$73,993	$18,527	$55,466	$10,285,190
12	141	$73,993	$18,428	$55,565	$10,229,625
12	142	$73,993	$18,328	$55,665	$10,173,960
12	143	$73,993	$18,228	$55,765	$10,118,195
12	144	$73,993	$18,128	$55,865	$10,062,331
13	145	$73,993	$18,028	$55,965	$10,006,366
13	146	$73,993	$17,928	$56,065	$9,950,301
13	147	$73,993	$17,828	$56,165	$9,894,135
13	148	$73,993	$17,727	$56,266	$9,837,869
13	149	$73,993	$17,626	$56,367	$9,781,502
13	150	$73,993	$17,525	$56,468	$9,725,035
13	151	$73,993	$17,424	$56,569	$9,668,466
13	152	$73,993	$17,323	$56,670	$9,611,795
13	153	$73,993	$17,221	$56,772	$9,555,023
13	154	$73,993	$17,119	$56,874	$9,498,150
13	155	$73,993	$17,018	$56,976	$9,441,174
13	156	$73,993	$16,915	$57,078	$9,384,097
14	157	$73,993	$16,813	$57,180	$9,326,917
14	158	$73,993	$16,711	$57,282	$9,269,634
14	159	$73,993	$16,608	$57,385	$9,212,249
14	160	$73,993	$16,505	$57,488	$9,154,762
14	161	$73,993	$16,402	$57,591	$9,097,171
14	162	$73,993	$16,299	$57,694	$9,039,477
14	163	$73,993	$16,196	$57,797	$8,981,680
14	164	$73,993	$16,092	$57,901	$8,923,779
14	165	$73,993	$15,988	$58,005	$8,865,774
14	166	$73,993	$15,885	$58,109	$8,807,666
14	167	$73,993	$15,780	$58,213	$8,749,453
14	168	$73,993	$15,676	$58,317	$8,691,136
15	169	$73,993	$15,572	$58,421	$8,632,715
15	170	$73,993	$15,467	$58,526	$8,574,188
15	171	$73,993	$15,362	$58,631	$8,515,558
15	172	$73,993	$15,257	$58,736	$8,456,822
15	173	$73,993	$15,152	$58,841	$8,397,980
15	174	$73,993	$15,046	$58,947	$8,339,034
15	175	$73,993	$14,941	$59,052	$8,279,981
15	176	$73,993	$14,835	$59,158	$8,220,823
15	177	$73,993	$14,729	$59,264	$8,161,559
15	178	$73,993	$14,623	$59,370	$8,102,189
15	179	$73,993	$14,516	$59,477	$8,042,712
15	180	$73,993	$14,410	$59,583	$7,983,129
16	181	$73,993	$14,303	$59,690	$7,923,439
16	182	$73,993	$14,196	$59,797	$7,863,642
16	183	$73,993	$14,089	$59,904	$7,803,738
16	184	$73,993	$13,982	$60,011	$7,743,727
16	185	$73,993	$13,874	$60,119	$7,683,608
16	186	$73,993	$13,766	$60,227	$7,623,381
16	187	$73,993	$13,659	$60,334	$7,563,047
16	188	$73,993	$13,550	$60,443	$7,502,604
16	189	$73,993	$13,442	$60,551	$7,442,054
16	190	$73,993	$13,334	$60,659	$7,381,394
16	191	$73,993	$13,225	$60,768	$7,320,626
16	192	$73,993	$13,116	$60,877	$7,259,749
17	193	$73,993	$13,007	$60,986	$7,198,763
17	194	$73,993	$12,898	$61,095	$7,137,668
17	195	$73,993	$12,788	$61,205	$7,076,463
17	196	$73,993	$12,679	$61,314	$7,015,149
17	197	$73,993	$12,569	$61,424	$6,953,725
17	198	$73,993	$12,459	$61,534	$6,892,190
17	199	$73,993	$12,349	$61,645	$6,830,546
17	200	$73,993	$12,238	$61,755	$6,768,791
17	201	$73,993	$12,127	$61,866	$6,706,925
17	202	$73,993	$12,017	$61,976	$6,644,949
17	203	$73,993	$11,906	$62,088	$6,582,861
17	204	$73,993	$11,794	$62,199	$6,520,662
18	205	$73,993	$11,683	$62,310	$6,458,352
18	206	$73,993	$11,571	$62,422	$6,395,930
18	207	$73,993	$11,459	$62,534	$6,333,397
18	208	$73,993	$11,347	$62,646	$6,270,751
18	209	$73,993	$11,235	$62,758	$6,207,993
18	210	$73,993	$11,123	$62,870	$6,145,123
18	211	$73,993	$11,010	$62,983	$6,082,140
18	212	$73,993	$10,897	$63,096	$6,019,044
18	213	$73,993	$10,784	$63,209	$5,955,835
18	214	$73,993	$10,671	$63,322	$5,892,513
18	215	$73,993	$10,557	$63,436	$5,829,077
18	216	$73,993	$10,444	$63,549	$5,765,528
19	217	$73,993	$10,330	$63,663	$5,701,865
19	218	$73,993	$10,216	$63,777	$5,638,087
19	219	$73,993	$10,102	$63,891	$5,574,196
19	220	$73,993	$9,987	$64,006	$5,510,190
19	221	$73,993	$9,872	$64,121	$5,446,069
19	222	$73,993	$9,758	$64,236	$5,381,834
19	223	$73,993	$9,642	$64,351	$5,317,483
19	224	$73,993	$9,527	$64,466	$5,253,017
19	225	$73,993	$9,412	$64,581	$5,188,436
19	226	$73,993	$9,296	$64,697	$5,123,739
19	227	$73,993	$9,180	$64,813	$5,058,926
19	228	$73,993	$9,064	$64,929	$4,993,997
20	229	$73,993	$8,948	$65,045	$4,928,951
20	230	$73,993	$8,831	$65,162	$4,863,789
20	231	$73,993	$8,714	$65,279	$4,798,511
20	232	$73,993	$8,597	$65,396	$4,733,115
20	233	$73,993	$8,480	$65,513	$4,667,602
20	234	$73,993	$8,363	$65,630	$4,601,972
20	235	$73,993	$8,245	$65,748	$4,536,224
20	236	$73,993	$8,127	$65,866	$4,470,358
20	237	$73,993	$8,009	$65,984	$4,404,375
20	238	$73,993	$7,891	$66,102	$4,338,273
20	239	$73,993	$7,773	$66,220	$4,272,052
20	240	$73,993	$7,654	$66,339	$4,205,713
21	241	$73,993	$7,535	$66,458	$4,139,256
21	242	$73,993	$7,416	$66,577	$4,072,679
21	243	$73,993	$7,297	$66,696	$4,005,983
21	244	$73,993	$7,177	$66,816	$3,939,167
21	245	$73,993	$7,058	$66,935	$3,872,231
21	246	$73,993	$6,938	$67,055	$3,805,176
21	247	$73,993	$6,818	$67,175	$3,738,001
21	248	$73,993	$6,697	$67,296	$3,670,705
21	249	$73,993	$6,577	$67,416	$3,603,289
21	250	$73,993	$6,456	$67,537	$3,535,751
21	251	$73,993	$6,335	$67,658	$3,468,093
21	252	$73,993	$6,214	$67,779	$3,400,314
22	253	$73,993	$6,092	$67,901	$3,332,413
22	254	$73,993	$5,971	$68,022	$3,264,391
22	255	$73,993	$5,849	$68,144	$3,196,246
22	256	$73,993	$5,727	$68,266	$3,127,980
22	257	$73,993	$5,604	$68,389	$3,059,591
22	258	$73,993	$5,482	$68,511	$2,991,080
22	259	$73,993	$5,359	$68,634	$2,922,446
22	260	$73,993	$5,236	$68,757	$2,853,689
22	261	$73,993	$5,113	$68,880	$2,784,809
22	262	$73,993	$4,989	$69,004	$2,715,805
22	263	$73,993	$4,866	$69,127	$2,646,678
22	264	$73,993	$4,742	$69,251	$2,577,427
23	265	$73,993	$4,618	$69,375	$2,508,052
23	266	$73,993	$4,494	$69,499	$2,438,552
23	267	$73,993	$4,369	$69,624	$2,368,928
23	268	$73,993	$4,244	$69,749	$2,299,179
23	269	$73,993	$4,119	$69,874	$2,229,306
23	270	$73,993	$3,994	$69,999	$2,159,307
23	271	$73,993	$3,869	$70,124	$2,089,183
23	272	$73,993	$3,743	$70,250	$2,018,933
23	273	$73,993	$3,617	$70,376	$1,948,557
23	274	$73,993	$3,491	$70,502	$1,878,055
23	275	$73,993	$3,365	$70,628	$1,807,427
23	276	$73,993	$3,238	$70,755	$1,736,672
24	277	$73,993	$3,112	$70,882	$1,665,790
24	278	$73,993	$2,985	$71,009	$1,594,782
24	279	$73,993	$2,857	$71,136	$1,523,646
24	280	$73,993	$2,730	$71,263	$1,452,383
24	281	$73,993	$2,602	$71,391	$1,380,992
24	282	$73,993	$2,474	$71,519	$1,309,473
24	283	$73,993	$2,346	$71,647	$1,237,827
24	284	$73,993	$2,218	$71,775	$1,166,051
24	285	$73,993	$2,089	$71,904	$1,094,147
24	286	$73,993	$1,960	$72,033	$1,022,115
24	287	$73,993	$1,831	$72,162	$949,953
24	288	$73,993	$1,702	$72,291	$877,662
25	289	$73,993	$1,572	$72,421	$805,241
25	290	$73,993	$1,443	$72,550	$732,691
25	291	$73,993	$1,313	$72,680	$660,011
25	292	$73,993	$1,183	$72,811	$587,200
25	293	$73,993	$1,052	$72,941	$514,259
25	294	$73,993	$921	$73,072	$441,188
25	295	$73,993	$790	$73,203	$367,985
25	296	$73,993	$659	$73,334	$294,651
25	297	$73,993	$528	$73,465	$221,186
25	298	$73,993	$396	$73,597	$147,589
25	299	$73,993	$264	$73,729	$73,861
25	300	$73,993	$132	$73,861	$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$ 11,440,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 11,726,000

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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.