Century 21 Centaland Property

Down Payment (HKD)

$23,920,000

Monthly Repayment (HKD)

$154,713

Loan Amount (HKD)

$35,880,000

Total Interest (HKD)

$10,533,820

Total Repayment (HKD)

$46,413,820

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$154,713	$64,285	$90,428	$35,789,572
1	2	$154,713	$64,123	$90,590	$35,698,983
1	3	$154,713	$63,961	$90,752	$35,608,230
1	4	$154,713	$63,798	$90,915	$35,517,316
1	5	$154,713	$63,635	$91,078	$35,426,238
1	6	$154,713	$63,472	$91,241	$35,334,998
1	7	$154,713	$63,309	$91,404	$35,243,593
1	8	$154,713	$63,145	$91,568	$35,152,025
1	9	$154,713	$62,981	$91,732	$35,060,293
1	10	$154,713	$62,816	$91,896	$34,968,397
1	11	$154,713	$62,652	$92,061	$34,876,336
1	12	$154,713	$62,487	$92,226	$34,784,110
2	13	$154,713	$62,322	$92,391	$34,691,719
2	14	$154,713	$62,156	$92,557	$34,599,162
2	15	$154,713	$61,990	$92,723	$34,506,440
2	16	$154,713	$61,824	$92,889	$34,413,551
2	17	$154,713	$61,658	$93,055	$34,320,496
2	18	$154,713	$61,491	$93,222	$34,227,274
2	19	$154,713	$61,324	$93,389	$34,133,885
2	20	$154,713	$61,157	$93,556	$34,040,329
2	21	$154,713	$60,989	$93,724	$33,946,605
2	22	$154,713	$60,821	$93,892	$33,852,713
2	23	$154,713	$60,653	$94,060	$33,758,653
2	24	$154,713	$60,484	$94,228	$33,664,425
3	25	$154,713	$60,315	$94,397	$33,570,028
3	26	$154,713	$60,146	$94,566	$33,475,461
3	27	$154,713	$59,977	$94,736	$33,380,725
3	28	$154,713	$59,807	$94,906	$33,285,820
3	29	$154,713	$59,637	$95,076	$33,190,744
3	30	$154,713	$59,467	$95,246	$33,095,498
3	31	$154,713	$59,296	$95,417	$33,000,081
3	32	$154,713	$59,125	$95,588	$32,904,494
3	33	$154,713	$58,954	$95,759	$32,808,735
3	34	$154,713	$58,782	$95,930	$32,712,805
3	35	$154,713	$58,610	$96,102	$32,616,702
3	36	$154,713	$58,438	$96,274	$32,520,428
4	37	$154,713	$58,266	$96,447	$32,423,981
4	38	$154,713	$58,093	$96,620	$32,327,361
4	39	$154,713	$57,920	$96,793	$32,230,568
4	40	$154,713	$57,746	$96,966	$32,133,602
4	41	$154,713	$57,573	$97,140	$32,036,462
4	42	$154,713	$57,399	$97,314	$31,939,148
4	43	$154,713	$57,224	$97,488	$31,841,659
4	44	$154,713	$57,050	$97,663	$31,743,996
4	45	$154,713	$56,875	$97,838	$31,646,158
4	46	$154,713	$56,699	$98,013	$31,548,145
4	47	$154,713	$56,524	$98,189	$31,449,956
4	48	$154,713	$56,348	$98,365	$31,351,591
5	49	$154,713	$56,172	$98,541	$31,253,050
5	50	$154,713	$55,995	$98,718	$31,154,332
5	51	$154,713	$55,818	$98,895	$31,055,438
5	52	$154,713	$55,641	$99,072	$30,956,366
5	53	$154,713	$55,463	$99,249	$30,857,117
5	54	$154,713	$55,286	$99,427	$30,757,690
5	55	$154,713	$55,108	$99,605	$30,658,084
5	56	$154,713	$54,929	$99,784	$30,558,301
5	57	$154,713	$54,750	$99,962	$30,458,338
5	58	$154,713	$54,571	$100,142	$30,358,197
5	59	$154,713	$54,392	$100,321	$30,257,876
5	60	$154,713	$54,212	$100,501	$30,157,375
6	61	$154,713	$54,032	$100,681	$30,056,694
6	62	$154,713	$53,852	$100,861	$29,955,833
6	63	$154,713	$53,671	$101,042	$29,854,791
6	64	$154,713	$53,490	$101,223	$29,753,568
6	65	$154,713	$53,308	$101,404	$29,652,164
6	66	$154,713	$53,127	$101,586	$29,550,578
6	67	$154,713	$52,945	$101,768	$29,448,810
6	68	$154,713	$52,762	$101,950	$29,346,860
6	69	$154,713	$52,580	$102,133	$29,244,727
6	70	$154,713	$52,397	$102,316	$29,142,411
6	71	$154,713	$52,213	$102,499	$29,039,912
6	72	$154,713	$52,030	$102,683	$28,937,229
7	73	$154,713	$51,846	$102,867	$28,834,362
7	74	$154,713	$51,662	$103,051	$28,731,311
7	75	$154,713	$51,477	$103,236	$28,628,075
7	76	$154,713	$51,292	$103,421	$28,524,654
7	77	$154,713	$51,107	$103,606	$28,421,048
7	78	$154,713	$50,921	$103,792	$28,317,257
7	79	$154,713	$50,735	$103,978	$28,213,279
7	80	$154,713	$50,549	$104,164	$28,109,115
7	81	$154,713	$50,362	$104,351	$28,004,764
7	82	$154,713	$50,175	$104,538	$27,900,227
7	83	$154,713	$49,988	$104,725	$27,795,502
7	84	$154,713	$49,800	$104,912	$27,690,590
8	85	$154,713	$49,612	$105,100	$27,585,489
8	86	$154,713	$49,424	$105,289	$27,480,200
8	87	$154,713	$49,235	$105,477	$27,374,723
8	88	$154,713	$49,046	$105,666	$27,269,057
8	89	$154,713	$48,857	$105,856	$27,163,201
8	90	$154,713	$48,667	$106,045	$27,057,156
8	91	$154,713	$48,477	$106,235	$26,950,920
8	92	$154,713	$48,287	$106,426	$26,844,495
8	93	$154,713	$48,096	$106,616	$26,737,878
8	94	$154,713	$47,905	$106,807	$26,631,071
8	95	$154,713	$47,714	$106,999	$26,524,072
8	96	$154,713	$47,522	$107,190	$26,416,882
9	97	$154,713	$47,330	$107,382	$26,309,499
9	98	$154,713	$47,138	$107,575	$26,201,924
9	99	$154,713	$46,945	$107,768	$26,094,157
9	100	$154,713	$46,752	$107,961	$25,986,196
9	101	$154,713	$46,559	$108,154	$25,878,042
9	102	$154,713	$46,365	$108,348	$25,769,694
9	103	$154,713	$46,171	$108,542	$25,661,152
9	104	$154,713	$45,976	$108,737	$25,552,416
9	105	$154,713	$45,781	$108,931	$25,443,484
9	106	$154,713	$45,586	$109,126	$25,334,358
9	107	$154,713	$45,391	$109,322	$25,225,036
9	108	$154,713	$45,195	$109,518	$25,115,518
10	109	$154,713	$44,999	$109,714	$25,005,804
10	110	$154,713	$44,802	$109,911	$24,895,893
10	111	$154,713	$44,605	$110,108	$24,785,785
10	112	$154,713	$44,408	$110,305	$24,675,481
10	113	$154,713	$44,210	$110,502	$24,564,978
10	114	$154,713	$44,012	$110,700	$24,454,278
10	115	$154,713	$43,814	$110,899	$24,343,379
10	116	$154,713	$43,615	$111,098	$24,232,281
10	117	$154,713	$43,416	$111,297	$24,120,985
10	118	$154,713	$43,217	$111,496	$24,009,489
10	119	$154,713	$43,017	$111,696	$23,897,793
10	120	$154,713	$42,817	$111,896	$23,785,897
11	121	$154,713	$42,616	$112,096	$23,673,801
11	122	$154,713	$42,416	$112,297	$23,561,504
11	123	$154,713	$42,214	$112,498	$23,449,005
11	124	$154,713	$42,013	$112,700	$23,336,305
11	125	$154,713	$41,811	$112,902	$23,223,404
11	126	$154,713	$41,609	$113,104	$23,110,299
11	127	$154,713	$41,406	$113,307	$22,996,993
11	128	$154,713	$41,203	$113,510	$22,883,483
11	129	$154,713	$41,000	$113,713	$22,769,770
11	130	$154,713	$40,796	$113,917	$22,655,853
11	131	$154,713	$40,592	$114,121	$22,541,732
11	132	$154,713	$40,387	$114,325	$22,427,406
12	133	$154,713	$40,182	$114,530	$22,312,876
12	134	$154,713	$39,977	$114,735	$22,198,141
12	135	$154,713	$39,772	$114,941	$22,083,199
12	136	$154,713	$39,566	$115,147	$21,968,052
12	137	$154,713	$39,359	$115,353	$21,852,699
12	138	$154,713	$39,153	$115,560	$21,737,139
12	139	$154,713	$38,946	$115,767	$21,621,372
12	140	$154,713	$38,738	$115,974	$21,505,398
12	141	$154,713	$38,531	$116,182	$21,389,215
12	142	$154,713	$38,322	$116,390	$21,272,825
12	143	$154,713	$38,114	$116,599	$21,156,226
12	144	$154,713	$37,905	$116,808	$21,039,418
13	145	$154,713	$37,696	$117,017	$20,922,401
13	146	$154,713	$37,486	$117,227	$20,805,174
13	147	$154,713	$37,276	$117,437	$20,687,738
13	148	$154,713	$37,066	$117,647	$20,570,090
13	149	$154,713	$36,855	$117,858	$20,452,232
13	150	$154,713	$36,644	$118,069	$20,334,163
13	151	$154,713	$36,432	$118,281	$20,215,883
13	152	$154,713	$36,220	$118,493	$20,097,390
13	153	$154,713	$36,008	$118,705	$19,978,685
13	154	$154,713	$35,795	$118,918	$19,859,768
13	155	$154,713	$35,582	$119,131	$19,740,637
13	156	$154,713	$35,369	$119,344	$19,621,293
14	157	$154,713	$35,155	$119,558	$19,501,735
14	158	$154,713	$34,941	$119,772	$19,381,963
14	159	$154,713	$34,726	$119,987	$19,261,976
14	160	$154,713	$34,511	$120,202	$19,141,774
14	161	$154,713	$34,296	$120,417	$19,021,357
14	162	$154,713	$34,080	$120,633	$18,900,725
14	163	$154,713	$33,864	$120,849	$18,779,876
14	164	$154,713	$33,647	$121,065	$18,658,810
14	165	$154,713	$33,430	$121,282	$18,537,528
14	166	$154,713	$33,213	$121,500	$18,416,028
14	167	$154,713	$32,995	$121,717	$18,294,311
14	168	$154,713	$32,777	$121,935	$18,172,375
15	169	$154,713	$32,559	$122,154	$18,050,221
15	170	$154,713	$32,340	$122,373	$17,927,849
15	171	$154,713	$32,121	$122,592	$17,805,257
15	172	$154,713	$31,901	$122,812	$17,682,445
15	173	$154,713	$31,681	$123,032	$17,559,413
15	174	$154,713	$31,461	$123,252	$17,436,161
15	175	$154,713	$31,240	$123,473	$17,312,688
15	176	$154,713	$31,019	$123,694	$17,188,994
15	177	$154,713	$30,797	$123,916	$17,065,078
15	178	$154,713	$30,575	$124,138	$16,940,941
15	179	$154,713	$30,353	$124,360	$16,816,580
15	180	$154,713	$30,130	$124,583	$16,691,997
16	181	$154,713	$29,906	$124,806	$16,567,191
16	182	$154,713	$29,683	$125,030	$16,442,161
16	183	$154,713	$29,459	$125,254	$16,316,907
16	184	$154,713	$29,234	$125,478	$16,191,429
16	185	$154,713	$29,010	$125,703	$16,065,726
16	186	$154,713	$28,784	$125,928	$15,939,798
16	187	$154,713	$28,559	$126,154	$15,813,644
16	188	$154,713	$28,333	$126,380	$15,687,264
16	189	$154,713	$28,106	$126,606	$15,560,657
16	190	$154,713	$27,880	$126,833	$15,433,824
16	191	$154,713	$27,652	$127,060	$15,306,764
16	192	$154,713	$27,425	$127,288	$15,179,476
17	193	$154,713	$27,197	$127,516	$15,051,959
17	194	$154,713	$26,968	$127,745	$14,924,215
17	195	$154,713	$26,739	$127,974	$14,796,241
17	196	$154,713	$26,510	$128,203	$14,668,038
17	197	$154,713	$26,280	$128,432	$14,539,606
17	198	$154,713	$26,050	$128,663	$14,410,943
17	199	$154,713	$25,820	$128,893	$14,282,050
17	200	$154,713	$25,589	$129,124	$14,152,926
17	201	$154,713	$25,357	$129,355	$14,023,571
17	202	$154,713	$25,126	$129,587	$13,893,984
17	203	$154,713	$24,893	$129,819	$13,764,164
17	204	$154,713	$24,661	$130,052	$13,634,112
18	205	$154,713	$24,428	$130,285	$13,503,827
18	206	$154,713	$24,194	$130,518	$13,373,309
18	207	$154,713	$23,961	$130,752	$13,242,557
18	208	$154,713	$23,726	$130,986	$13,111,570
18	209	$154,713	$23,492	$131,221	$12,980,349
18	210	$154,713	$23,256	$131,456	$12,848,893
18	211	$154,713	$23,021	$131,692	$12,717,201
18	212	$154,713	$22,785	$131,928	$12,585,273
18	213	$154,713	$22,549	$132,164	$12,453,109
18	214	$154,713	$22,312	$132,401	$12,320,708
18	215	$154,713	$22,075	$132,638	$12,188,070
18	216	$154,713	$21,837	$132,876	$12,055,194
19	217	$154,713	$21,599	$133,114	$11,922,081
19	218	$154,713	$21,360	$133,352	$11,788,728
19	219	$154,713	$21,121	$133,591	$11,655,137
19	220	$154,713	$20,882	$133,831	$11,521,306
19	221	$154,713	$20,642	$134,070	$11,387,236
19	222	$154,713	$20,402	$134,311	$11,252,925
19	223	$154,713	$20,161	$134,551	$11,118,374
19	224	$154,713	$19,920	$134,792	$10,983,582
19	225	$154,713	$19,679	$135,034	$10,848,548
19	226	$154,713	$19,437	$135,276	$10,713,272
19	227	$154,713	$19,195	$135,518	$10,577,754
19	228	$154,713	$18,952	$135,761	$10,441,993
20	229	$154,713	$18,709	$136,004	$10,305,989
20	230	$154,713	$18,465	$136,248	$10,169,741
20	231	$154,713	$18,221	$136,492	$10,033,249
20	232	$154,713	$17,976	$136,736	$9,896,513
20	233	$154,713	$17,731	$136,981	$9,759,531
20	234	$154,713	$17,486	$137,227	$9,622,304
20	235	$154,713	$17,240	$137,473	$9,484,832
20	236	$154,713	$16,994	$137,719	$9,347,113
20	237	$154,713	$16,747	$137,966	$9,209,147
20	238	$154,713	$16,500	$138,213	$9,070,934
20	239	$154,713	$16,252	$138,461	$8,932,473
20	240	$154,713	$16,004	$138,709	$8,793,764
21	241	$154,713	$15,755	$138,957	$8,654,807
21	242	$154,713	$15,507	$139,206	$8,515,601
21	243	$154,713	$15,257	$139,456	$8,376,145
21	244	$154,713	$15,007	$139,705	$8,236,440
21	245	$154,713	$14,757	$139,956	$8,096,484
21	246	$154,713	$14,506	$140,207	$7,956,277
21	247	$154,713	$14,255	$140,458	$7,815,820
21	248	$154,713	$14,003	$140,709	$7,675,110
21	249	$154,713	$13,751	$140,961	$7,534,149
21	250	$154,713	$13,499	$141,214	$7,392,935
21	251	$154,713	$13,246	$141,467	$7,251,468
21	252	$154,713	$12,992	$141,721	$7,109,747
22	253	$154,713	$12,738	$141,974	$6,967,773
22	254	$154,713	$12,484	$142,229	$6,825,544
22	255	$154,713	$12,229	$142,484	$6,683,060
22	256	$154,713	$11,974	$142,739	$6,540,321
22	257	$154,713	$11,718	$142,995	$6,397,327
22	258	$154,713	$11,462	$143,251	$6,254,076
22	259	$154,713	$11,205	$143,508	$6,110,568
22	260	$154,713	$10,948	$143,765	$5,966,804
22	261	$154,713	$10,691	$144,022	$5,822,782
22	262	$154,713	$10,432	$144,280	$5,678,501
22	263	$154,713	$10,174	$144,539	$5,533,963
22	264	$154,713	$9,915	$144,798	$5,389,165
23	265	$154,713	$9,656	$145,057	$5,244,108
23	266	$154,713	$9,396	$145,317	$5,098,791
23	267	$154,713	$9,135	$145,577	$4,953,213
23	268	$154,713	$8,875	$145,838	$4,807,375
23	269	$154,713	$8,613	$146,100	$4,661,276
23	270	$154,713	$8,351	$146,361	$4,514,914
23	271	$154,713	$8,089	$146,624	$4,368,291
23	272	$154,713	$7,827	$146,886	$4,221,405
23	273	$154,713	$7,563	$147,149	$4,074,255
23	274	$154,713	$7,300	$147,413	$3,926,842
23	275	$154,713	$7,036	$147,677	$3,779,165
23	276	$154,713	$6,771	$147,942	$3,631,223
24	277	$154,713	$6,506	$148,207	$3,483,016
24	278	$154,713	$6,240	$148,472	$3,334,544
24	279	$154,713	$5,974	$148,738	$3,185,806
24	280	$154,713	$5,708	$149,005	$3,036,801
24	281	$154,713	$5,441	$149,272	$2,887,529
24	282	$154,713	$5,173	$149,539	$2,737,990
24	283	$154,713	$4,906	$149,807	$2,588,183
24	284	$154,713	$4,637	$150,076	$2,438,107
24	285	$154,713	$4,368	$150,344	$2,287,763
24	286	$154,713	$4,099	$150,614	$2,137,149
24	287	$154,713	$3,829	$150,884	$1,986,265
24	288	$154,713	$3,559	$151,154	$1,835,111
25	289	$154,713	$3,288	$151,425	$1,683,686
25	290	$154,713	$3,017	$151,696	$1,531,990
25	291	$154,713	$2,745	$151,968	$1,380,022
25	292	$154,713	$2,473	$152,240	$1,227,782
25	293	$154,713	$2,200	$152,513	$1,075,269
25	294	$154,713	$1,927	$152,786	$922,483
25	295	$154,713	$1,653	$153,060	$769,423
25	296	$154,713	$1,379	$153,334	$616,089
25	297	$154,713	$1,104	$153,609	$462,480
25	298	$154,713	$829	$153,884	$308,596
25	299	$154,713	$553	$154,160	$154,436
25	300	$154,713	$277	$154,436	$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$ 23,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 24,518,000

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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.