Century 21 Centaland Property

Down Payment (HKD)

$22,720,000

Monthly Repayment (HKD)

$146,951

Loan Amount (HKD)

$34,080,000

Total Interest (HKD)

$10,005,367

Total Repayment (HKD)

$44,085,367

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$146,951	$61,060	$85,891	$33,994,109
1	2	$146,951	$60,906	$86,045	$33,908,064
1	3	$146,951	$60,752	$86,199	$33,821,864
1	4	$146,951	$60,598	$86,354	$33,735,511
1	5	$146,951	$60,443	$86,508	$33,649,002
1	6	$146,951	$60,288	$86,663	$33,562,339
1	7	$146,951	$60,133	$86,819	$33,475,520
1	8	$146,951	$59,977	$86,974	$33,388,546
1	9	$146,951	$59,821	$87,130	$33,301,416
1	10	$146,951	$59,665	$87,286	$33,214,130
1	11	$146,951	$59,509	$87,443	$33,126,687
1	12	$146,951	$59,352	$87,599	$33,039,088
2	13	$146,951	$59,195	$87,756	$32,951,332
2	14	$146,951	$59,038	$87,913	$32,863,418
2	15	$146,951	$58,880	$88,071	$32,775,347
2	16	$146,951	$58,722	$88,229	$32,687,118
2	17	$146,951	$58,564	$88,387	$32,598,732
2	18	$146,951	$58,406	$88,545	$32,510,187
2	19	$146,951	$58,247	$88,704	$32,421,483
2	20	$146,951	$58,088	$88,863	$32,332,620
2	21	$146,951	$57,929	$89,022	$32,243,598
2	22	$146,951	$57,770	$89,181	$32,154,417
2	23	$146,951	$57,610	$89,341	$32,065,075
2	24	$146,951	$57,450	$89,501	$31,975,574
3	25	$146,951	$57,290	$89,662	$31,885,912
3	26	$146,951	$57,129	$89,822	$31,796,090
3	27	$146,951	$56,968	$89,983	$31,706,107
3	28	$146,951	$56,807	$90,144	$31,615,962
3	29	$146,951	$56,645	$90,306	$31,525,656
3	30	$146,951	$56,483	$90,468	$31,435,189
3	31	$146,951	$56,321	$90,630	$31,344,559
3	32	$146,951	$56,159	$90,792	$31,253,767
3	33	$146,951	$55,996	$90,955	$31,162,812
3	34	$146,951	$55,833	$91,118	$31,071,694
3	35	$146,951	$55,670	$91,281	$30,980,413
3	36	$146,951	$55,507	$91,445	$30,888,968
4	37	$146,951	$55,343	$91,608	$30,797,360
4	38	$146,951	$55,179	$91,773	$30,705,587
4	39	$146,951	$55,014	$91,937	$30,613,650
4	40	$146,951	$54,849	$92,102	$30,521,548
4	41	$146,951	$54,684	$92,267	$30,429,281
4	42	$146,951	$54,519	$92,432	$30,336,849
4	43	$146,951	$54,354	$92,598	$30,244,252
4	44	$146,951	$54,188	$92,764	$30,151,488
4	45	$146,951	$54,021	$92,930	$30,058,558
4	46	$146,951	$53,855	$93,096	$29,965,462
4	47	$146,951	$53,688	$93,263	$29,872,199
4	48	$146,951	$53,521	$93,430	$29,778,769
5	49	$146,951	$53,354	$93,598	$29,685,171
5	50	$146,951	$53,186	$93,765	$29,591,406
5	51	$146,951	$53,018	$93,933	$29,497,472
5	52	$146,951	$52,850	$94,102	$29,403,371
5	53	$146,951	$52,681	$94,270	$29,309,101
5	54	$146,951	$52,512	$94,439	$29,214,662
5	55	$146,951	$52,343	$94,608	$29,120,053
5	56	$146,951	$52,173	$94,778	$29,025,276
5	57	$146,951	$52,004	$94,948	$28,930,328
5	58	$146,951	$51,834	$95,118	$28,835,210
5	59	$146,951	$51,663	$95,288	$28,739,922
5	60	$146,951	$51,492	$95,459	$28,644,463
6	61	$146,951	$51,321	$95,630	$28,548,833
6	62	$146,951	$51,150	$95,801	$28,453,032
6	63	$146,951	$50,978	$95,973	$28,357,059
6	64	$146,951	$50,806	$96,145	$28,260,914
6	65	$146,951	$50,634	$96,317	$28,164,597
6	66	$146,951	$50,462	$96,490	$28,068,108
6	67	$146,951	$50,289	$96,663	$27,971,445
6	68	$146,951	$50,116	$96,836	$27,874,609
6	69	$146,951	$49,942	$97,009	$27,777,600
6	70	$146,951	$49,768	$97,183	$27,680,417
6	71	$146,951	$49,594	$97,357	$27,583,060
6	72	$146,951	$49,420	$97,532	$27,485,528
7	73	$146,951	$49,245	$97,706	$27,387,822
7	74	$146,951	$49,070	$97,881	$27,289,941
7	75	$146,951	$48,894	$98,057	$27,191,884
7	76	$146,951	$48,719	$98,232	$27,093,652
7	77	$146,951	$48,543	$98,408	$26,995,243
7	78	$146,951	$48,366	$98,585	$26,896,658
7	79	$146,951	$48,190	$98,761	$26,797,897
7	80	$146,951	$48,013	$98,938	$26,698,959
7	81	$146,951	$47,836	$99,116	$26,599,843
7	82	$146,951	$47,658	$99,293	$26,500,550
7	83	$146,951	$47,480	$99,471	$26,401,079
7	84	$146,951	$47,302	$99,649	$26,301,430
8	85	$146,951	$47,123	$99,828	$26,201,602
8	86	$146,951	$46,945	$100,007	$26,101,595
8	87	$146,951	$46,765	$100,186	$26,001,409
8	88	$146,951	$46,586	$100,365	$25,901,044
8	89	$146,951	$46,406	$100,545	$25,800,499
8	90	$146,951	$46,226	$100,725	$25,699,773
8	91	$146,951	$46,045	$100,906	$25,598,867
8	92	$146,951	$45,865	$101,087	$25,497,781
8	93	$146,951	$45,684	$101,268	$25,396,513
8	94	$146,951	$45,502	$101,449	$25,295,064
8	95	$146,951	$45,320	$101,631	$25,193,433
8	96	$146,951	$45,138	$101,813	$25,091,620
9	97	$146,951	$44,956	$101,995	$24,989,625
9	98	$146,951	$44,773	$102,178	$24,887,447
9	99	$146,951	$44,590	$102,361	$24,785,085
9	100	$146,951	$44,407	$102,545	$24,682,541
9	101	$146,951	$44,223	$102,728	$24,579,812
9	102	$146,951	$44,039	$102,912	$24,476,900
9	103	$146,951	$43,854	$103,097	$24,373,803
9	104	$146,951	$43,670	$103,281	$24,270,522
9	105	$146,951	$43,485	$103,467	$24,167,055
9	106	$146,951	$43,299	$103,652	$24,063,403
9	107	$146,951	$43,114	$103,838	$23,959,566
9	108	$146,951	$42,928	$104,024	$23,855,542
10	109	$146,951	$42,741	$104,210	$23,751,332
10	110	$146,951	$42,554	$104,397	$23,646,935
10	111	$146,951	$42,367	$104,584	$23,542,351
10	112	$146,951	$42,180	$104,771	$23,437,580
10	113	$146,951	$41,992	$104,959	$23,332,621
10	114	$146,951	$41,804	$105,147	$23,227,474
10	115	$146,951	$41,616	$105,335	$23,122,139
10	116	$146,951	$41,427	$105,524	$23,016,615
10	117	$146,951	$41,238	$105,713	$22,910,902
10	118	$146,951	$41,049	$105,903	$22,804,999
10	119	$146,951	$40,859	$106,092	$22,698,907
10	120	$146,951	$40,669	$106,282	$22,592,625
11	121	$146,951	$40,478	$106,473	$22,486,152
11	122	$146,951	$40,288	$106,664	$22,379,488
11	123	$146,951	$40,097	$106,855	$22,272,634
11	124	$146,951	$39,905	$107,046	$22,165,588
11	125	$146,951	$39,713	$107,238	$22,058,350
11	126	$146,951	$39,521	$107,430	$21,950,920
11	127	$146,951	$39,329	$107,622	$21,843,297
11	128	$146,951	$39,136	$107,815	$21,735,482
11	129	$146,951	$38,943	$108,008	$21,627,474
11	130	$146,951	$38,749	$108,202	$21,519,272
11	131	$146,951	$38,555	$108,396	$21,410,876
11	132	$146,951	$38,361	$108,590	$21,302,286
12	133	$146,951	$38,167	$108,785	$21,193,501
12	134	$146,951	$37,972	$108,980	$21,084,521
12	135	$146,951	$37,776	$109,175	$20,975,347
12	136	$146,951	$37,581	$109,370	$20,865,976
12	137	$146,951	$37,385	$109,566	$20,756,410
12	138	$146,951	$37,189	$109,763	$20,646,647
12	139	$146,951	$36,992	$109,959	$20,536,688
12	140	$146,951	$36,795	$110,156	$20,426,532
12	141	$146,951	$36,598	$110,354	$20,316,178
12	142	$146,951	$36,400	$110,551	$20,205,627
12	143	$146,951	$36,202	$110,749	$20,094,877
12	144	$146,951	$36,003	$110,948	$19,983,929
13	145	$146,951	$35,805	$111,147	$19,872,782
13	146	$146,951	$35,605	$111,346	$19,761,437
13	147	$146,951	$35,406	$111,545	$19,649,891
13	148	$146,951	$35,206	$111,745	$19,538,146
13	149	$146,951	$35,006	$111,945	$19,426,201
13	150	$146,951	$34,805	$112,146	$19,314,055
13	151	$146,951	$34,604	$112,347	$19,201,708
13	152	$146,951	$34,403	$112,548	$19,089,160
13	153	$146,951	$34,201	$112,750	$18,976,410
13	154	$146,951	$33,999	$112,952	$18,863,458
13	155	$146,951	$33,797	$113,154	$18,750,304
13	156	$146,951	$33,594	$113,357	$18,636,947
14	157	$146,951	$33,391	$113,560	$18,523,387
14	158	$146,951	$33,188	$113,763	$18,409,624
14	159	$146,951	$32,984	$113,967	$18,295,656
14	160	$146,951	$32,780	$114,172	$18,181,485
14	161	$146,951	$32,575	$114,376	$18,067,109
14	162	$146,951	$32,370	$114,581	$17,952,528
14	163	$146,951	$32,165	$114,786	$17,837,741
14	164	$146,951	$31,959	$114,992	$17,722,749
14	165	$146,951	$31,753	$115,198	$17,607,551
14	166	$146,951	$31,547	$115,404	$17,492,147
14	167	$146,951	$31,340	$115,611	$17,376,536
14	168	$146,951	$31,133	$115,818	$17,260,718
15	169	$146,951	$30,925	$116,026	$17,144,692
15	170	$146,951	$30,718	$116,234	$17,028,458
15	171	$146,951	$30,509	$116,442	$16,912,016
15	172	$146,951	$30,301	$116,651	$16,795,366
15	173	$146,951	$30,092	$116,860	$16,678,506
15	174	$146,951	$29,882	$117,069	$16,561,437
15	175	$146,951	$29,673	$117,279	$16,444,159
15	176	$146,951	$29,462	$117,489	$16,326,670
15	177	$146,951	$29,252	$117,699	$16,208,971
15	178	$146,951	$29,041	$117,910	$16,091,061
15	179	$146,951	$28,830	$118,121	$15,972,939
15	180	$146,951	$28,618	$118,333	$15,854,606
16	181	$146,951	$28,406	$118,545	$15,736,061
16	182	$146,951	$28,194	$118,757	$15,617,304
16	183	$146,951	$27,981	$118,970	$15,498,333
16	184	$146,951	$27,768	$119,183	$15,379,150
16	185	$146,951	$27,554	$119,397	$15,259,753
16	186	$146,951	$27,340	$119,611	$15,140,142
16	187	$146,951	$27,126	$119,825	$15,020,317
16	188	$146,951	$26,911	$120,040	$14,900,277
16	189	$146,951	$26,696	$120,255	$14,780,022
16	190	$146,951	$26,481	$120,470	$14,659,552
16	191	$146,951	$26,265	$120,686	$14,538,866
16	192	$146,951	$26,049	$120,902	$14,417,963
17	193	$146,951	$25,832	$121,119	$14,296,844
17	194	$146,951	$25,615	$121,336	$14,175,508
17	195	$146,951	$25,398	$121,553	$14,053,955
17	196	$146,951	$25,180	$121,771	$13,932,184
17	197	$146,951	$24,962	$121,989	$13,810,194
17	198	$146,951	$24,743	$122,208	$13,687,986
17	199	$146,951	$24,524	$122,427	$13,565,559
17	200	$146,951	$24,305	$122,646	$13,442,913
17	201	$146,951	$24,085	$122,866	$13,320,047
17	202	$146,951	$23,865	$123,086	$13,196,961
17	203	$146,951	$23,645	$123,307	$13,073,654
17	204	$146,951	$23,424	$123,528	$12,950,127
18	205	$146,951	$23,202	$123,749	$12,826,378
18	206	$146,951	$22,981	$123,971	$12,702,407
18	207	$146,951	$22,758	$124,193	$12,578,214
18	208	$146,951	$22,536	$124,415	$12,453,799
18	209	$146,951	$22,313	$124,638	$12,329,161
18	210	$146,951	$22,090	$124,861	$12,204,300
18	211	$146,951	$21,866	$125,085	$12,079,214
18	212	$146,951	$21,642	$125,309	$11,953,905
18	213	$146,951	$21,417	$125,534	$11,828,371
18	214	$146,951	$21,192	$125,759	$11,702,613
18	215	$146,951	$20,967	$125,984	$11,576,629
18	216	$146,951	$20,741	$126,210	$11,450,419
19	217	$146,951	$20,515	$126,436	$11,323,983
19	218	$146,951	$20,289	$126,662	$11,197,320
19	219	$146,951	$20,062	$126,889	$11,070,431
19	220	$146,951	$19,835	$127,117	$10,943,314
19	221	$146,951	$19,607	$127,344	$10,815,970
19	222	$146,951	$19,379	$127,573	$10,688,397
19	223	$146,951	$19,150	$127,801	$10,560,596
19	224	$146,951	$18,921	$128,030	$10,432,566
19	225	$146,951	$18,692	$128,260	$10,304,306
19	226	$146,951	$18,462	$128,489	$10,175,817
19	227	$146,951	$18,232	$128,720	$10,047,098
19	228	$146,951	$18,001	$128,950	$9,918,147
20	229	$146,951	$17,770	$129,181	$9,788,966
20	230	$146,951	$17,539	$129,413	$9,659,554
20	231	$146,951	$17,307	$129,645	$9,529,909
20	232	$146,951	$17,074	$129,877	$9,400,032
20	233	$146,951	$16,842	$130,109	$9,269,923
20	234	$146,951	$16,609	$130,343	$9,139,580
20	235	$146,951	$16,375	$130,576	$9,009,004
20	236	$146,951	$16,141	$130,810	$8,878,194
20	237	$146,951	$15,907	$131,044	$8,747,149
20	238	$146,951	$15,672	$131,279	$8,615,870
20	239	$146,951	$15,437	$131,514	$8,484,356
20	240	$146,951	$15,201	$131,750	$8,352,606
21	241	$146,951	$14,965	$131,986	$8,220,619
21	242	$146,951	$14,729	$132,223	$8,088,397
21	243	$146,951	$14,492	$132,460	$7,955,937
21	244	$146,951	$14,254	$132,697	$7,823,240
21	245	$146,951	$14,017	$132,935	$7,690,306
21	246	$146,951	$13,778	$133,173	$7,557,133
21	247	$146,951	$13,540	$133,411	$7,423,722
21	248	$146,951	$13,301	$133,650	$7,290,071
21	249	$146,951	$13,061	$133,890	$7,156,182
21	250	$146,951	$12,821	$134,130	$7,022,052
21	251	$146,951	$12,581	$134,370	$6,887,682
21	252	$146,951	$12,340	$134,611	$6,753,071
22	253	$146,951	$12,099	$134,852	$6,618,219
22	254	$146,951	$11,858	$135,094	$6,483,125
22	255	$146,951	$11,616	$135,336	$6,347,790
22	256	$146,951	$11,373	$135,578	$6,212,212
22	257	$146,951	$11,130	$135,821	$6,076,391
22	258	$146,951	$10,887	$136,064	$5,940,326
22	259	$146,951	$10,643	$136,308	$5,804,018
22	260	$146,951	$10,399	$136,552	$5,667,466
22	261	$146,951	$10,154	$136,797	$5,530,669
22	262	$146,951	$9,909	$137,042	$5,393,627
22	263	$146,951	$9,664	$137,288	$5,256,339
22	264	$146,951	$9,418	$137,534	$5,118,805
23	265	$146,951	$9,171	$137,780	$4,981,025
23	266	$146,951	$8,924	$138,027	$4,842,999
23	267	$146,951	$8,677	$138,274	$4,704,724
23	268	$146,951	$8,429	$138,522	$4,566,202
23	269	$146,951	$8,181	$138,770	$4,427,432
23	270	$146,951	$7,932	$139,019	$4,288,414
23	271	$146,951	$7,683	$139,268	$4,149,146
23	272	$146,951	$7,434	$139,517	$4,009,628
23	273	$146,951	$7,184	$139,767	$3,869,861
23	274	$146,951	$6,934	$140,018	$3,729,843
23	275	$146,951	$6,683	$140,269	$3,589,575
23	276	$146,951	$6,431	$140,520	$3,449,055
24	277	$146,951	$6,180	$140,772	$3,308,283
24	278	$146,951	$5,927	$141,024	$3,167,259
24	279	$146,951	$5,675	$141,277	$3,025,983
24	280	$146,951	$5,422	$141,530	$2,884,453
24	281	$146,951	$5,168	$141,783	$2,742,670
24	282	$146,951	$4,914	$142,037	$2,600,633
24	283	$146,951	$4,659	$142,292	$2,458,341
24	284	$146,951	$4,405	$142,547	$2,315,794
24	285	$146,951	$4,149	$142,802	$2,172,992
24	286	$146,951	$3,893	$143,058	$2,029,934
24	287	$146,951	$3,637	$143,314	$1,886,620
24	288	$146,951	$3,380	$143,571	$1,743,049
25	289	$146,951	$3,123	$143,828	$1,599,221
25	290	$146,951	$2,865	$144,086	$1,455,135
25	291	$146,951	$2,607	$144,344	$1,310,790
25	292	$146,951	$2,348	$144,603	$1,166,188
25	293	$146,951	$2,089	$144,862	$1,021,326
25	294	$146,951	$1,830	$145,121	$876,205
25	295	$146,951	$1,570	$145,381	$730,823
25	296	$146,951	$1,309	$145,642	$585,181
25	297	$146,951	$1,048	$145,903	$439,279
25	298	$146,951	$787	$146,164	$293,114
25	299	$146,951	$525	$146,426	$146,688
25	300	$146,951	$263	$146,688	$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$ 22,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 23,288,000

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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.