Century 21 Centaland Property

Down Payment (HKD)

$29,600,000

Monthly Repayment (HKD)

$191,451

Loan Amount (HKD)

$44,400,000

Total Interest (HKD)

$13,035,161

Total Repayment (HKD)

$57,435,161

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$191,451	$79,550	$111,901	$44,288,099
1	2	$191,451	$79,350	$112,101	$44,175,998
1	3	$191,451	$79,149	$112,302	$44,063,697
1	4	$191,451	$78,947	$112,503	$43,951,193
1	5	$191,451	$78,746	$112,705	$43,838,489
1	6	$191,451	$78,544	$112,907	$43,725,582
1	7	$191,451	$78,342	$113,109	$43,612,473
1	8	$191,451	$78,139	$113,312	$43,499,162
1	9	$191,451	$77,936	$113,515	$43,385,647
1	10	$191,451	$77,733	$113,718	$43,271,929
1	11	$191,451	$77,529	$113,922	$43,158,008
1	12	$191,451	$77,325	$114,126	$43,043,882
2	13	$191,451	$77,120	$114,330	$42,929,552
2	14	$191,451	$76,915	$114,535	$42,815,017
2	15	$191,451	$76,710	$114,740	$42,700,276
2	16	$191,451	$76,505	$114,946	$42,585,330
2	17	$191,451	$76,299	$115,152	$42,470,179
2	18	$191,451	$76,092	$115,358	$42,354,820
2	19	$191,451	$75,886	$115,565	$42,239,256
2	20	$191,451	$75,679	$115,772	$42,123,484
2	21	$191,451	$75,471	$115,979	$42,007,504
2	22	$191,451	$75,263	$116,187	$41,891,317
2	23	$191,451	$75,055	$116,395	$41,774,922
2	24	$191,451	$74,847	$116,604	$41,658,318
3	25	$191,451	$74,638	$116,813	$41,541,506
3	26	$191,451	$74,429	$117,022	$41,424,484
3	27	$191,451	$74,219	$117,232	$41,307,252
3	28	$191,451	$74,009	$117,442	$41,189,810
3	29	$191,451	$73,798	$117,652	$41,072,158
3	30	$191,451	$73,588	$117,863	$40,954,295
3	31	$191,451	$73,376	$118,074	$40,836,221
3	32	$191,451	$73,165	$118,286	$40,717,935
3	33	$191,451	$72,953	$118,498	$40,599,438
3	34	$191,451	$72,741	$118,710	$40,480,728
3	35	$191,451	$72,528	$118,923	$40,361,805
3	36	$191,451	$72,315	$119,136	$40,242,670
4	37	$191,451	$72,101	$119,349	$40,123,321
4	38	$191,451	$71,888	$119,563	$40,003,758
4	39	$191,451	$71,673	$119,777	$39,883,981
4	40	$191,451	$71,459	$119,992	$39,763,989
4	41	$191,451	$71,244	$120,207	$39,643,782
4	42	$191,451	$71,028	$120,422	$39,523,360
4	43	$191,451	$70,813	$120,638	$39,402,722
4	44	$191,451	$70,597	$120,854	$39,281,868
4	45	$191,451	$70,380	$121,071	$39,160,798
4	46	$191,451	$70,163	$121,287	$39,039,510
4	47	$191,451	$69,946	$121,505	$38,918,006
4	48	$191,451	$69,728	$121,722	$38,796,283
5	49	$191,451	$69,510	$121,941	$38,674,343
5	50	$191,451	$69,292	$122,159	$38,552,184
5	51	$191,451	$69,073	$122,378	$38,429,806
5	52	$191,451	$68,853	$122,597	$38,307,209
5	53	$191,451	$68,634	$122,817	$38,184,392
5	54	$191,451	$68,414	$123,037	$38,061,355
5	55	$191,451	$68,193	$123,257	$37,938,098
5	56	$191,451	$67,972	$123,478	$37,814,620
5	57	$191,451	$67,751	$123,699	$37,690,920
5	58	$191,451	$67,530	$123,921	$37,566,999
5	59	$191,451	$67,308	$124,143	$37,442,856
5	60	$191,451	$67,085	$124,365	$37,318,491
6	61	$191,451	$66,862	$124,588	$37,193,903
6	62	$191,451	$66,639	$124,811	$37,069,091
6	63	$191,451	$66,415	$125,035	$36,944,056
6	64	$191,451	$66,191	$125,259	$36,818,797
6	65	$191,451	$65,967	$125,484	$36,693,313
6	66	$191,451	$65,742	$125,708	$36,567,605
6	67	$191,451	$65,517	$125,934	$36,441,671
6	68	$191,451	$65,291	$126,159	$36,315,512
6	69	$191,451	$65,065	$126,385	$36,189,127
6	70	$191,451	$64,839	$126,612	$36,062,515
6	71	$191,451	$64,612	$126,839	$35,935,677
6	72	$191,451	$64,385	$127,066	$35,808,611
7	73	$191,451	$64,157	$127,293	$35,681,318
7	74	$191,451	$63,929	$127,522	$35,553,796
7	75	$191,451	$63,701	$127,750	$35,426,046
7	76	$191,451	$63,472	$127,979	$35,298,067
7	77	$191,451	$63,242	$128,208	$35,169,859
7	78	$191,451	$63,013	$128,438	$35,041,421
7	79	$191,451	$62,783	$128,668	$34,912,753
7	80	$191,451	$62,552	$128,899	$34,783,855
7	81	$191,451	$62,321	$129,129	$34,654,725
7	82	$191,451	$62,090	$129,361	$34,525,364
7	83	$191,451	$61,858	$129,593	$34,395,772
7	84	$191,451	$61,626	$129,825	$34,265,947
8	85	$191,451	$61,393	$130,057	$34,135,890
8	86	$191,451	$61,160	$130,290	$34,005,599
8	87	$191,451	$60,927	$130,524	$33,875,075
8	88	$191,451	$60,693	$130,758	$33,744,318
8	89	$191,451	$60,459	$130,992	$33,613,326
8	90	$191,451	$60,224	$131,227	$33,482,099
8	91	$191,451	$59,989	$131,462	$33,350,637
8	92	$191,451	$59,753	$131,697	$33,218,940
8	93	$191,451	$59,517	$131,933	$33,087,007
8	94	$191,451	$59,281	$132,170	$32,954,837
8	95	$191,451	$59,044	$132,406	$32,822,431
8	96	$191,451	$58,807	$132,644	$32,689,787
9	97	$191,451	$58,569	$132,881	$32,556,905
9	98	$191,451	$58,331	$133,119	$32,423,786
9	99	$191,451	$58,093	$133,358	$32,290,428
9	100	$191,451	$57,854	$133,597	$32,156,831
9	101	$191,451	$57,614	$133,836	$32,022,995
9	102	$191,451	$57,375	$134,076	$31,888,919
9	103	$191,451	$57,134	$134,316	$31,754,603
9	104	$191,451	$56,894	$134,557	$31,620,046
9	105	$191,451	$56,653	$134,798	$31,485,248
9	106	$191,451	$56,411	$135,039	$31,350,209
9	107	$191,451	$56,169	$135,281	$31,214,927
9	108	$191,451	$55,927	$135,524	$31,079,403
10	109	$191,451	$55,684	$135,767	$30,943,637
10	110	$191,451	$55,441	$136,010	$30,807,627
10	111	$191,451	$55,197	$136,254	$30,671,373
10	112	$191,451	$54,953	$136,498	$30,534,876
10	113	$191,451	$54,708	$136,742	$30,398,133
10	114	$191,451	$54,463	$136,987	$30,261,146
10	115	$191,451	$54,218	$137,233	$30,123,914
10	116	$191,451	$53,972	$137,479	$29,986,435
10	117	$191,451	$53,726	$137,725	$29,848,710
10	118	$191,451	$53,479	$137,972	$29,710,739
10	119	$191,451	$53,232	$138,219	$29,572,520
10	120	$191,451	$52,984	$138,466	$29,434,053
11	121	$191,451	$52,736	$138,715	$29,295,339
11	122	$191,451	$52,487	$138,963	$29,156,376
11	123	$191,451	$52,239	$139,212	$29,017,164
11	124	$191,451	$51,989	$139,461	$28,877,702
11	125	$191,451	$51,739	$139,711	$28,737,991
11	126	$191,451	$51,489	$139,962	$28,598,029
11	127	$191,451	$51,238	$140,212	$28,457,817
11	128	$191,451	$50,987	$140,464	$28,317,353
11	129	$191,451	$50,735	$140,715	$28,176,638
11	130	$191,451	$50,483	$140,967	$28,035,671
11	131	$191,451	$50,231	$141,220	$27,894,451
11	132	$191,451	$49,978	$141,473	$27,752,978
12	133	$191,451	$49,724	$141,726	$27,611,251
12	134	$191,451	$49,470	$141,980	$27,469,271
12	135	$191,451	$49,216	$142,235	$27,327,036
12	136	$191,451	$48,961	$142,490	$27,184,547
12	137	$191,451	$48,706	$142,745	$27,041,802
12	138	$191,451	$48,450	$143,001	$26,898,801
12	139	$191,451	$48,194	$143,257	$26,755,544
12	140	$191,451	$47,937	$143,514	$26,612,031
12	141	$191,451	$47,680	$143,771	$26,468,260
12	142	$191,451	$47,422	$144,028	$26,324,232
12	143	$191,451	$47,164	$144,286	$26,179,945
12	144	$191,451	$46,906	$144,545	$26,035,401
13	145	$191,451	$46,647	$144,804	$25,890,597
13	146	$191,451	$46,387	$145,063	$25,745,534
13	147	$191,451	$46,127	$145,323	$25,600,211
13	148	$191,451	$45,867	$145,583	$25,454,627
13	149	$191,451	$45,606	$145,844	$25,308,783
13	150	$191,451	$45,345	$146,106	$25,162,677
13	151	$191,451	$45,083	$146,367	$25,016,310
13	152	$191,451	$44,821	$146,630	$24,869,680
13	153	$191,451	$44,558	$146,892	$24,722,788
13	154	$191,451	$44,295	$147,156	$24,575,632
13	155	$191,451	$44,031	$147,419	$24,428,213
13	156	$191,451	$43,767	$147,683	$24,280,530
14	157	$191,451	$43,503	$147,948	$24,132,582
14	158	$191,451	$43,238	$148,213	$23,984,369
14	159	$191,451	$42,972	$148,479	$23,835,890
14	160	$191,451	$42,706	$148,745	$23,687,146
14	161	$191,451	$42,439	$149,011	$23,538,134
14	162	$191,451	$42,172	$149,278	$23,388,856
14	163	$191,451	$41,905	$149,546	$23,239,311
14	164	$191,451	$41,637	$149,813	$23,089,497
14	165	$191,451	$41,369	$150,082	$22,939,416
14	166	$191,451	$41,100	$150,351	$22,789,065
14	167	$191,451	$40,830	$150,620	$22,638,445
14	168	$191,451	$40,561	$150,890	$22,487,555
15	169	$191,451	$40,290	$151,160	$22,336,394
15	170	$191,451	$40,019	$151,431	$22,184,963
15	171	$191,451	$39,748	$151,702	$22,033,261
15	172	$191,451	$39,476	$151,974	$21,881,286
15	173	$191,451	$39,204	$152,247	$21,729,040
15	174	$191,451	$38,931	$152,519	$21,576,521
15	175	$191,451	$38,658	$152,793	$21,423,728
15	176	$191,451	$38,384	$153,066	$21,270,662
15	177	$191,451	$38,110	$153,341	$21,117,321
15	178	$191,451	$37,835	$153,615	$20,963,706
15	179	$191,451	$37,560	$153,891	$20,809,815
15	180	$191,451	$37,284	$154,166	$20,655,649
16	181	$191,451	$37,008	$154,443	$20,501,206
16	182	$191,451	$36,731	$154,719	$20,346,487
16	183	$191,451	$36,454	$154,996	$20,191,491
16	184	$191,451	$36,176	$155,274	$20,036,217
16	185	$191,451	$35,898	$155,552	$19,880,664
16	186	$191,451	$35,620	$155,831	$19,724,833
16	187	$191,451	$35,340	$156,110	$19,568,723
16	188	$191,451	$35,061	$156,390	$19,412,333
16	189	$191,451	$34,780	$156,670	$19,255,663
16	190	$191,451	$34,500	$156,951	$19,098,712
16	191	$191,451	$34,219	$157,232	$18,941,480
16	192	$191,451	$33,937	$157,514	$18,783,966
17	193	$191,451	$33,655	$157,796	$18,626,171
17	194	$191,451	$33,372	$158,079	$18,468,092
17	195	$191,451	$33,089	$158,362	$18,309,730
17	196	$191,451	$32,805	$158,646	$18,151,084
17	197	$191,451	$32,521	$158,930	$17,992,155
17	198	$191,451	$32,236	$159,215	$17,832,940
17	199	$191,451	$31,951	$159,500	$17,673,440
17	200	$191,451	$31,665	$159,786	$17,513,655
17	201	$191,451	$31,379	$160,072	$17,353,583
17	202	$191,451	$31,092	$160,359	$17,193,224
17	203	$191,451	$30,805	$160,646	$17,032,578
17	204	$191,451	$30,517	$160,934	$16,871,644
18	205	$191,451	$30,228	$161,222	$16,710,422
18	206	$191,451	$29,940	$161,511	$16,548,911
18	207	$191,451	$29,650	$161,800	$16,387,110
18	208	$191,451	$29,360	$162,090	$16,225,020
18	209	$191,451	$29,070	$162,381	$16,062,639
18	210	$191,451	$28,779	$162,672	$15,899,968
18	211	$191,451	$28,487	$162,963	$15,737,005
18	212	$191,451	$28,195	$163,255	$15,573,750
18	213	$191,451	$27,903	$163,548	$15,410,202
18	214	$191,451	$27,610	$163,841	$15,246,361
18	215	$191,451	$27,316	$164,134	$15,082,227
18	216	$191,451	$27,022	$164,428	$14,917,799
19	217	$191,451	$26,728	$164,723	$14,753,076
19	218	$191,451	$26,433	$165,018	$14,588,058
19	219	$191,451	$26,137	$165,314	$14,422,745
19	220	$191,451	$25,841	$165,610	$14,257,135
19	221	$191,451	$25,544	$165,907	$14,091,228
19	222	$191,451	$25,247	$166,204	$13,925,025
19	223	$191,451	$24,949	$166,502	$13,758,523
19	224	$191,451	$24,651	$166,800	$13,591,723
19	225	$191,451	$24,352	$167,099	$13,424,625
19	226	$191,451	$24,052	$167,398	$13,257,227
19	227	$191,451	$23,753	$167,698	$13,089,529
19	228	$191,451	$23,452	$167,998	$12,921,530
20	229	$191,451	$23,151	$168,299	$12,753,231
20	230	$191,451	$22,850	$168,601	$12,584,630
20	231	$191,451	$22,547	$168,903	$12,415,726
20	232	$191,451	$22,245	$169,206	$12,246,521
20	233	$191,451	$21,942	$169,509	$12,077,012
20	234	$191,451	$21,638	$169,813	$11,907,199
20	235	$191,451	$21,334	$170,117	$11,737,083
20	236	$191,451	$21,029	$170,422	$11,566,661
20	237	$191,451	$20,724	$170,727	$11,395,934
20	238	$191,451	$20,418	$171,033	$11,224,901
20	239	$191,451	$20,111	$171,339	$11,053,562
20	240	$191,451	$19,804	$171,646	$10,881,916
21	241	$191,451	$19,497	$171,954	$10,709,962
21	242	$191,451	$19,189	$172,262	$10,537,700
21	243	$191,451	$18,880	$172,570	$10,365,130
21	244	$191,451	$18,571	$172,880	$10,192,250
21	245	$191,451	$18,261	$173,189	$10,019,061
21	246	$191,451	$17,951	$173,500	$9,845,561
21	247	$191,451	$17,640	$173,811	$9,671,750
21	248	$191,451	$17,329	$174,122	$9,497,628
21	249	$191,451	$17,017	$174,434	$9,323,194
21	250	$191,451	$16,704	$174,746	$9,148,448
21	251	$191,451	$16,391	$175,060	$8,973,388
21	252	$191,451	$16,077	$175,373	$8,798,015
22	253	$191,451	$15,763	$175,687	$8,622,328
22	254	$191,451	$15,448	$176,002	$8,446,325
22	255	$191,451	$15,133	$176,318	$8,270,008
22	256	$191,451	$14,817	$176,633	$8,093,374
22	257	$191,451	$14,501	$176,950	$7,916,424
22	258	$191,451	$14,184	$177,267	$7,739,158
22	259	$191,451	$13,866	$177,585	$7,561,573
22	260	$191,451	$13,548	$177,903	$7,383,670
22	261	$191,451	$13,229	$178,221	$7,205,449
22	262	$191,451	$12,910	$178,541	$7,026,908
22	263	$191,451	$12,590	$178,861	$6,848,047
22	264	$191,451	$12,269	$179,181	$6,668,866
23	265	$191,451	$11,948	$179,502	$6,489,364
23	266	$191,451	$11,627	$179,824	$6,309,540
23	267	$191,451	$11,305	$180,146	$6,129,394
23	268	$191,451	$10,982	$180,469	$5,948,926
23	269	$191,451	$10,658	$180,792	$5,768,134
23	270	$191,451	$10,335	$181,116	$5,587,018
23	271	$191,451	$10,010	$181,440	$5,405,577
23	272	$191,451	$9,685	$181,766	$5,223,812
23	273	$191,451	$9,359	$182,091	$5,041,720
23	274	$191,451	$9,033	$182,417	$4,859,303
23	275	$191,451	$8,706	$182,744	$4,676,559
23	276	$191,451	$8,379	$183,072	$4,493,487
24	277	$191,451	$8,051	$183,400	$4,310,087
24	278	$191,451	$7,722	$183,728	$4,126,359
24	279	$191,451	$7,393	$184,057	$3,942,302
24	280	$191,451	$7,063	$184,387	$3,757,914
24	281	$191,451	$6,733	$184,718	$3,573,197
24	282	$191,451	$6,402	$185,049	$3,388,148
24	283	$191,451	$6,070	$185,380	$3,202,768
24	284	$191,451	$5,738	$185,712	$3,017,056
24	285	$191,451	$5,406	$186,045	$2,831,011
24	286	$191,451	$5,072	$186,378	$2,644,632
24	287	$191,451	$4,738	$186,712	$2,457,920
24	288	$191,451	$4,404	$187,047	$2,270,873
25	289	$191,451	$4,069	$187,382	$2,083,492
25	290	$191,451	$3,733	$187,718	$1,895,774
25	291	$191,451	$3,397	$188,054	$1,707,720
25	292	$191,451	$3,060	$188,391	$1,519,329
25	293	$191,451	$2,722	$188,728	$1,330,601
25	294	$191,451	$2,384	$189,067	$1,141,534
25	295	$191,451	$2,045	$189,405	$952,129
25	296	$191,451	$1,706	$189,745	$762,384
25	297	$191,451	$1,366	$190,085	$572,300
25	298	$191,451	$1,025	$190,425	$381,874
25	299	$191,451	$684	$190,766	$191,108
25	300	$191,451	$342	$191,108	$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$ 29,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 30,340,000

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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.