Century 21 Centaland Property

Down Payment (HKD)

$27,200,000

Monthly Repayment (HKD)

$175,928

Loan Amount (HKD)

$40,800,000

Total Interest (HKD)

$11,978,256

Total Repayment (HKD)

$52,778,256

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$175,928	$73,100	$102,828	$40,697,172
1	2	$175,928	$72,916	$103,012	$40,594,161
1	3	$175,928	$72,731	$103,196	$40,490,964
1	4	$175,928	$72,546	$103,381	$40,387,583
1	5	$175,928	$72,361	$103,566	$40,284,017
1	6	$175,928	$72,176	$103,752	$40,180,265
1	7	$175,928	$71,990	$103,938	$40,076,327
1	8	$175,928	$71,803	$104,124	$39,972,203
1	9	$175,928	$71,617	$104,311	$39,867,892
1	10	$175,928	$71,430	$104,498	$39,763,395
1	11	$175,928	$71,243	$104,685	$39,658,710
1	12	$175,928	$71,055	$104,872	$39,553,837
2	13	$175,928	$70,867	$105,060	$39,448,777
2	14	$175,928	$70,679	$105,248	$39,343,529
2	15	$175,928	$70,490	$105,437	$39,238,092
2	16	$175,928	$70,302	$105,626	$39,132,466
2	17	$175,928	$70,112	$105,815	$39,026,651
2	18	$175,928	$69,923	$106,005	$38,920,646
2	19	$175,928	$69,733	$106,195	$38,814,451
2	20	$175,928	$69,543	$106,385	$38,708,066
2	21	$175,928	$69,352	$106,576	$38,601,491
2	22	$175,928	$69,161	$106,767	$38,494,724
2	23	$175,928	$68,970	$106,958	$38,387,766
2	24	$175,928	$68,778	$107,149	$38,280,617
3	25	$175,928	$68,586	$107,341	$38,173,275
3	26	$175,928	$68,394	$107,534	$38,065,742
3	27	$175,928	$68,201	$107,726	$37,958,015
3	28	$175,928	$68,008	$107,919	$37,850,096
3	29	$175,928	$67,815	$108,113	$37,741,983
3	30	$175,928	$67,621	$108,306	$37,633,677
3	31	$175,928	$67,427	$108,501	$37,525,176
3	32	$175,928	$67,233	$108,695	$37,416,481
3	33	$175,928	$67,038	$108,890	$37,307,592
3	34	$175,928	$66,843	$109,085	$37,198,507
3	35	$175,928	$66,647	$109,280	$37,089,227
3	36	$175,928	$66,452	$109,476	$36,979,751
4	37	$175,928	$66,255	$109,672	$36,870,078
4	38	$175,928	$66,059	$109,869	$36,760,210
4	39	$175,928	$65,862	$110,065	$36,650,144
4	40	$175,928	$65,665	$110,263	$36,539,882
4	41	$175,928	$65,467	$110,460	$36,429,421
4	42	$175,928	$65,269	$110,658	$36,318,763
4	43	$175,928	$65,071	$110,856	$36,207,907
4	44	$175,928	$64,872	$111,055	$36,096,852
4	45	$175,928	$64,674	$111,254	$35,985,598
4	46	$175,928	$64,474	$111,453	$35,874,145
4	47	$175,928	$64,275	$111,653	$35,762,492
4	48	$175,928	$64,074	$111,853	$35,650,639
5	49	$175,928	$63,874	$112,053	$35,538,585
5	50	$175,928	$63,673	$112,254	$35,426,331
5	51	$175,928	$63,472	$112,455	$35,313,875
5	52	$175,928	$63,271	$112,657	$35,201,219
5	53	$175,928	$63,069	$112,859	$35,088,360
5	54	$175,928	$62,867	$113,061	$34,975,299
5	55	$175,928	$62,664	$113,263	$34,862,036
5	56	$175,928	$62,461	$113,466	$34,748,569
5	57	$175,928	$62,258	$113,670	$34,634,900
5	58	$175,928	$62,054	$113,873	$34,521,026
5	59	$175,928	$61,850	$114,077	$34,406,949
5	60	$175,928	$61,646	$114,282	$34,292,667
6	61	$175,928	$61,441	$114,486	$34,178,181
6	62	$175,928	$61,236	$114,692	$34,063,489
6	63	$175,928	$61,030	$114,897	$33,948,592
6	64	$175,928	$60,825	$115,103	$33,833,489
6	65	$175,928	$60,618	$115,309	$33,718,180
6	66	$175,928	$60,412	$115,516	$33,602,664
6	67	$175,928	$60,205	$115,723	$33,486,941
6	68	$175,928	$59,997	$115,930	$33,371,011
6	69	$175,928	$59,790	$116,138	$33,254,873
6	70	$175,928	$59,582	$116,346	$33,138,528
6	71	$175,928	$59,373	$116,554	$33,021,973
6	72	$175,928	$59,164	$116,763	$32,905,210
7	73	$175,928	$58,955	$116,972	$32,788,238
7	74	$175,928	$58,746	$117,182	$32,671,056
7	75	$175,928	$58,536	$117,392	$32,553,664
7	76	$175,928	$58,325	$117,602	$32,436,062
7	77	$175,928	$58,115	$117,813	$32,318,249
7	78	$175,928	$57,904	$118,024	$32,200,225
7	79	$175,928	$57,692	$118,235	$32,081,989
7	80	$175,928	$57,480	$118,447	$31,963,542
7	81	$175,928	$57,268	$118,660	$31,844,883
7	82	$175,928	$57,055	$118,872	$31,726,010
7	83	$175,928	$56,842	$119,085	$31,606,925
7	84	$175,928	$56,629	$119,298	$31,487,627
8	85	$175,928	$56,415	$119,512	$31,368,115
8	86	$175,928	$56,201	$119,726	$31,248,388
8	87	$175,928	$55,987	$119,941	$31,128,448
8	88	$175,928	$55,772	$120,156	$31,008,292
8	89	$175,928	$55,557	$120,371	$30,887,921
8	90	$175,928	$55,341	$120,587	$30,767,334
8	91	$175,928	$55,125	$120,803	$30,646,531
8	92	$175,928	$54,908	$121,019	$30,525,512
8	93	$175,928	$54,692	$121,236	$30,404,276
8	94	$175,928	$54,474	$121,453	$30,282,823
8	95	$175,928	$54,257	$121,671	$30,161,152
8	96	$175,928	$54,039	$121,889	$30,039,264
9	97	$175,928	$53,820	$122,107	$29,917,156
9	98	$175,928	$53,602	$122,326	$29,794,830
9	99	$175,928	$53,382	$122,545	$29,672,285
9	100	$175,928	$53,163	$122,765	$29,549,521
9	101	$175,928	$52,943	$122,985	$29,426,536
9	102	$175,928	$52,723	$123,205	$29,303,331
9	103	$175,928	$52,502	$123,426	$29,179,905
9	104	$175,928	$52,281	$123,647	$29,056,258
9	105	$175,928	$52,059	$123,868	$28,932,390
9	106	$175,928	$51,837	$124,090	$28,808,300
9	107	$175,928	$51,615	$124,313	$28,683,987
9	108	$175,928	$51,392	$124,535	$28,559,452
10	109	$175,928	$51,169	$124,759	$28,434,693
10	110	$175,928	$50,945	$124,982	$28,309,711
10	111	$175,928	$50,722	$125,206	$28,184,505
10	112	$175,928	$50,497	$125,430	$28,059,075
10	113	$175,928	$50,273	$125,655	$27,933,420
10	114	$175,928	$50,047	$125,880	$27,807,540
10	115	$175,928	$49,822	$126,106	$27,681,434
10	116	$175,928	$49,596	$126,332	$27,555,102
10	117	$175,928	$49,370	$126,558	$27,428,545
10	118	$175,928	$49,143	$126,785	$27,301,760
10	119	$175,928	$48,916	$127,012	$27,174,748
10	120	$175,928	$48,688	$127,239	$27,047,509
11	121	$175,928	$48,460	$127,467	$26,920,041
11	122	$175,928	$48,232	$127,696	$26,792,345
11	123	$175,928	$48,003	$127,925	$26,664,421
11	124	$175,928	$47,774	$128,154	$26,536,267
11	125	$175,928	$47,544	$128,383	$26,407,884
11	126	$175,928	$47,314	$128,613	$26,279,270
11	127	$175,928	$47,084	$128,844	$26,150,426
11	128	$175,928	$46,853	$129,075	$26,021,352
11	129	$175,928	$46,622	$129,306	$25,892,046
11	130	$175,928	$46,390	$129,538	$25,762,508
11	131	$175,928	$46,158	$129,770	$25,632,738
11	132	$175,928	$45,925	$130,002	$25,502,736
12	133	$175,928	$45,692	$130,235	$25,372,501
12	134	$175,928	$45,459	$130,468	$25,242,033
12	135	$175,928	$45,225	$130,702	$25,111,330
12	136	$175,928	$44,991	$130,936	$24,980,394
12	137	$175,928	$44,757	$131,171	$24,849,223
12	138	$175,928	$44,522	$131,406	$24,717,817
12	139	$175,928	$44,286	$131,641	$24,586,176
12	140	$175,928	$44,050	$131,877	$24,454,298
12	141	$175,928	$43,814	$132,114	$24,322,185
12	142	$175,928	$43,577	$132,350	$24,189,835
12	143	$175,928	$43,340	$132,587	$24,057,247
12	144	$175,928	$43,103	$132,825	$23,924,422
13	145	$175,928	$42,865	$133,063	$23,791,359
13	146	$175,928	$42,626	$133,301	$23,658,058
13	147	$175,928	$42,387	$133,540	$23,524,518
13	148	$175,928	$42,148	$133,779	$23,390,738
13	149	$175,928	$41,908	$134,019	$23,256,719
13	150	$175,928	$41,668	$134,259	$23,122,460
13	151	$175,928	$41,428	$134,500	$22,987,960
13	152	$175,928	$41,187	$134,741	$22,853,219
13	153	$175,928	$40,945	$134,982	$22,718,237
13	154	$175,928	$40,704	$135,224	$22,583,013
13	155	$175,928	$40,461	$135,466	$22,447,547
13	156	$175,928	$40,219	$135,709	$22,311,838
14	157	$175,928	$39,975	$135,952	$22,175,886
14	158	$175,928	$39,732	$136,196	$22,039,690
14	159	$175,928	$39,488	$136,440	$21,903,250
14	160	$175,928	$39,243	$136,684	$21,766,566
14	161	$175,928	$38,998	$136,929	$21,629,637
14	162	$175,928	$38,753	$137,174	$21,492,463
14	163	$175,928	$38,507	$137,420	$21,355,042
14	164	$175,928	$38,261	$137,666	$21,217,376
14	165	$175,928	$38,014	$137,913	$21,079,463
14	166	$175,928	$37,767	$138,160	$20,941,303
14	167	$175,928	$37,520	$138,408	$20,802,895
14	168	$175,928	$37,272	$138,656	$20,664,240
15	169	$175,928	$37,023	$138,904	$20,525,335
15	170	$175,928	$36,775	$139,153	$20,386,182
15	171	$175,928	$36,525	$139,402	$20,246,780
15	172	$175,928	$36,275	$139,652	$20,107,128
15	173	$175,928	$36,025	$139,902	$19,967,226
15	174	$175,928	$35,775	$140,153	$19,827,073
15	175	$175,928	$35,524	$140,404	$19,686,669
15	176	$175,928	$35,272	$140,656	$19,546,013
15	177	$175,928	$35,020	$140,908	$19,405,106
15	178	$175,928	$34,767	$141,160	$19,263,946
15	179	$175,928	$34,515	$141,413	$19,122,533
15	180	$175,928	$34,261	$141,666	$18,980,866
16	181	$175,928	$34,007	$141,920	$18,838,946
16	182	$175,928	$33,753	$142,174	$18,696,772
16	183	$175,928	$33,498	$142,429	$18,554,343
16	184	$175,928	$33,243	$142,684	$18,411,658
16	185	$175,928	$32,988	$142,940	$18,268,719
16	186	$175,928	$32,731	$143,196	$18,125,522
16	187	$175,928	$32,475	$143,453	$17,982,070
16	188	$175,928	$32,218	$143,710	$17,838,360
16	189	$175,928	$31,960	$143,967	$17,694,393
16	190	$175,928	$31,702	$144,225	$17,550,168
16	191	$175,928	$31,444	$144,483	$17,405,685
16	192	$175,928	$31,185	$144,742	$17,260,942
17	193	$175,928	$30,926	$145,002	$17,115,941
17	194	$175,928	$30,666	$145,261	$16,970,679
17	195	$175,928	$30,406	$145,522	$16,825,157
17	196	$175,928	$30,145	$145,782	$16,679,375
17	197	$175,928	$29,884	$146,044	$16,533,331
17	198	$175,928	$29,622	$146,305	$16,387,026
17	199	$175,928	$29,360	$146,567	$16,240,458
17	200	$175,928	$29,097	$146,830	$16,093,628
17	201	$175,928	$28,834	$147,093	$15,946,535
17	202	$175,928	$28,571	$147,357	$15,799,179
17	203	$175,928	$28,307	$147,621	$15,651,558
17	204	$175,928	$28,042	$147,885	$15,503,673
18	205	$175,928	$27,777	$148,150	$15,355,523
18	206	$175,928	$27,512	$148,416	$15,207,107
18	207	$175,928	$27,246	$148,681	$15,058,426
18	208	$175,928	$26,980	$148,948	$14,909,478
18	209	$175,928	$26,713	$149,215	$14,760,263
18	210	$175,928	$26,445	$149,482	$14,610,781
18	211	$175,928	$26,178	$149,750	$14,461,031
18	212	$175,928	$25,909	$150,018	$14,311,013
18	213	$175,928	$25,641	$150,287	$14,160,726
18	214	$175,928	$25,371	$150,556	$14,010,170
18	215	$175,928	$25,102	$150,826	$13,859,344
18	216	$175,928	$24,831	$151,096	$13,708,248
19	217	$175,928	$24,561	$151,367	$13,556,881
19	218	$175,928	$24,289	$151,638	$13,405,243
19	219	$175,928	$24,018	$151,910	$13,253,333
19	220	$175,928	$23,746	$152,182	$13,101,151
19	221	$175,928	$23,473	$152,455	$12,948,696
19	222	$175,928	$23,200	$152,728	$12,795,969
19	223	$175,928	$22,926	$153,001	$12,642,967
19	224	$175,928	$22,652	$153,276	$12,489,692
19	225	$175,928	$22,377	$153,550	$12,336,142
19	226	$175,928	$22,102	$153,825	$12,182,316
19	227	$175,928	$21,827	$154,101	$12,028,215
19	228	$175,928	$21,551	$154,377	$11,873,838
20	229	$175,928	$21,274	$154,654	$11,719,185
20	230	$175,928	$20,997	$154,931	$11,564,254
20	231	$175,928	$20,719	$155,208	$11,409,046
20	232	$175,928	$20,441	$155,486	$11,253,560
20	233	$175,928	$20,163	$155,765	$11,097,795
20	234	$175,928	$19,884	$156,044	$10,941,751
20	235	$175,928	$19,604	$156,324	$10,785,427
20	236	$175,928	$19,324	$156,604	$10,628,824
20	237	$175,928	$19,043	$156,884	$10,471,939
20	238	$175,928	$18,762	$157,165	$10,314,774
20	239	$175,928	$18,481	$157,447	$10,157,327
20	240	$175,928	$18,199	$157,729	$9,999,598
21	241	$175,928	$17,916	$158,012	$9,841,587
21	242	$175,928	$17,633	$158,295	$9,683,292
21	243	$175,928	$17,349	$158,578	$9,524,714
21	244	$175,928	$17,065	$158,862	$9,365,851
21	245	$175,928	$16,780	$159,147	$9,206,704
21	246	$175,928	$16,495	$159,432	$9,047,272
21	247	$175,928	$16,210	$159,718	$8,887,554
21	248	$175,928	$15,924	$160,004	$8,727,550
21	249	$175,928	$15,637	$160,291	$8,567,260
21	250	$175,928	$15,350	$160,578	$8,406,682
21	251	$175,928	$15,062	$160,866	$8,245,816
21	252	$175,928	$14,774	$161,154	$8,084,662
22	253	$175,928	$14,485	$161,443	$7,923,220
22	254	$175,928	$14,196	$161,732	$7,761,488
22	255	$175,928	$13,906	$162,022	$7,599,467
22	256	$175,928	$13,616	$162,312	$7,437,155
22	257	$175,928	$13,325	$162,603	$7,274,552
22	258	$175,928	$13,034	$162,894	$7,111,658
22	259	$175,928	$12,742	$163,186	$6,948,472
22	260	$175,928	$12,449	$163,478	$6,784,994
22	261	$175,928	$12,156	$163,771	$6,621,223
22	262	$175,928	$11,863	$164,064	$6,457,159
22	263	$175,928	$11,569	$164,358	$6,292,800
22	264	$175,928	$11,275	$164,653	$6,128,147
23	265	$175,928	$10,980	$164,948	$5,963,199
23	266	$175,928	$10,684	$165,243	$5,797,956
23	267	$175,928	$10,388	$165,540	$5,632,416
23	268	$175,928	$10,091	$165,836	$5,466,580
23	269	$175,928	$9,794	$166,133	$5,300,447
23	270	$175,928	$9,497	$166,431	$5,134,016
23	271	$175,928	$9,198	$166,729	$4,967,287
23	272	$175,928	$8,900	$167,028	$4,800,259
23	273	$175,928	$8,600	$167,327	$4,632,932
23	274	$175,928	$8,301	$167,627	$4,465,305
23	275	$175,928	$8,000	$167,927	$4,297,378
23	276	$175,928	$7,699	$168,228	$4,129,150
24	277	$175,928	$7,398	$168,529	$3,960,621
24	278	$175,928	$7,096	$168,831	$3,791,789
24	279	$175,928	$6,794	$169,134	$3,622,655
24	280	$175,928	$6,491	$169,437	$3,453,219
24	281	$175,928	$6,187	$169,741	$3,283,478
24	282	$175,928	$5,883	$170,045	$3,113,433
24	283	$175,928	$5,578	$170,349	$2,943,084
24	284	$175,928	$5,273	$170,654	$2,772,430
24	285	$175,928	$4,967	$170,960	$2,601,469
24	286	$175,928	$4,661	$171,267	$2,430,203
24	287	$175,928	$4,354	$171,573	$2,258,629
24	288	$175,928	$4,047	$171,881	$2,086,749
25	289	$175,928	$3,739	$172,189	$1,914,560
25	290	$175,928	$3,430	$172,497	$1,742,063
25	291	$175,928	$3,121	$172,806	$1,569,256
25	292	$175,928	$2,812	$173,116	$1,396,140
25	293	$175,928	$2,501	$173,426	$1,222,714
25	294	$175,928	$2,191	$173,737	$1,048,977
25	295	$175,928	$1,879	$174,048	$874,929
25	296	$175,928	$1,568	$174,360	$700,569
25	297	$175,928	$1,255	$174,672	$525,897
25	298	$175,928	$942	$174,985	$350,912
25	299	$175,928	$629	$175,299	$175,613
25	300	$175,928	$315	$175,613	$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$ 27,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 27,880,000

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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.