Century 21 Centaland Property

Down Payment (HKD)

$19,000,000

Monthly Repayment (HKD)

$122,891

Loan Amount (HKD)

$28,500,000

Total Interest (HKD)

$8,367,164

Total Repayment (HKD)

$36,867,164

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$122,891	$51,063	$71,828	$28,428,172
1	2	$122,891	$50,934	$71,957	$28,356,215
1	3	$122,891	$50,805	$72,086	$28,284,130
1	4	$122,891	$50,676	$72,215	$28,211,915
1	5	$122,891	$50,546	$72,344	$28,139,571
1	6	$122,891	$50,417	$72,474	$28,067,097
1	7	$122,891	$50,287	$72,604	$27,994,493
1	8	$122,891	$50,157	$72,734	$27,921,759
1	9	$122,891	$50,026	$72,864	$27,848,895
1	10	$122,891	$49,896	$72,995	$27,775,901
1	11	$122,891	$49,765	$73,125	$27,702,775
1	12	$122,891	$49,634	$73,256	$27,629,519
2	13	$122,891	$49,503	$73,388	$27,556,131
2	14	$122,891	$49,371	$73,519	$27,482,612
2	15	$122,891	$49,240	$73,651	$27,408,961
2	16	$122,891	$49,108	$73,783	$27,335,178
2	17	$122,891	$48,976	$73,915	$27,261,263
2	18	$122,891	$48,843	$74,047	$27,187,216
2	19	$122,891	$48,710	$74,180	$27,113,036
2	20	$122,891	$48,578	$74,313	$27,038,723
2	21	$122,891	$48,444	$74,446	$26,964,277
2	22	$122,891	$48,311	$74,580	$26,889,697
2	23	$122,891	$48,177	$74,713	$26,814,984
2	24	$122,891	$48,044	$74,847	$26,740,137
3	25	$122,891	$47,909	$74,981	$26,665,156
3	26	$122,891	$47,775	$75,115	$26,590,040
3	27	$122,891	$47,640	$75,250	$26,514,790
3	28	$122,891	$47,506	$75,385	$26,439,405
3	29	$122,891	$47,371	$75,520	$26,363,885
3	30	$122,891	$47,235	$75,655	$26,288,230
3	31	$122,891	$47,100	$75,791	$26,212,439
3	32	$122,891	$46,964	$75,927	$26,136,513
3	33	$122,891	$46,828	$76,063	$26,060,450
3	34	$122,891	$46,692	$76,199	$25,984,251
3	35	$122,891	$46,555	$76,335	$25,907,916
3	36	$122,891	$46,418	$76,472	$25,831,443
4	37	$122,891	$46,281	$76,609	$25,754,834
4	38	$122,891	$46,144	$76,746	$25,678,088
4	39	$122,891	$46,007	$76,884	$25,601,204
4	40	$122,891	$45,869	$77,022	$25,524,182
4	41	$122,891	$45,731	$77,160	$25,447,022
4	42	$122,891	$45,593	$77,298	$25,369,724
4	43	$122,891	$45,454	$77,436	$25,292,288
4	44	$122,891	$45,315	$77,575	$25,214,713
4	45	$122,891	$45,176	$77,714	$25,136,999
4	46	$122,891	$45,037	$77,853	$25,059,145
4	47	$122,891	$44,898	$77,993	$24,981,152
4	48	$122,891	$44,758	$78,133	$24,903,020
5	49	$122,891	$44,618	$78,273	$24,824,747
5	50	$122,891	$44,478	$78,413	$24,746,334
5	51	$122,891	$44,337	$78,553	$24,667,781
5	52	$122,891	$44,196	$78,694	$24,589,087
5	53	$122,891	$44,055	$78,835	$24,510,251
5	54	$122,891	$43,914	$78,976	$24,431,275
5	55	$122,891	$43,773	$79,118	$24,352,157
5	56	$122,891	$43,631	$79,260	$24,272,898
5	57	$122,891	$43,489	$79,402	$24,193,496
5	58	$122,891	$43,347	$79,544	$24,113,952
5	59	$122,891	$43,204	$79,686	$24,034,266
5	60	$122,891	$43,061	$79,829	$23,954,437
6	61	$122,891	$42,918	$79,972	$23,874,464
6	62	$122,891	$42,775	$80,115	$23,794,349
6	63	$122,891	$42,632	$80,259	$23,714,090
6	64	$122,891	$42,488	$80,403	$23,633,687
6	65	$122,891	$42,344	$80,547	$23,553,140
6	66	$122,891	$42,199	$80,691	$23,472,449
6	67	$122,891	$42,055	$80,836	$23,391,613
6	68	$122,891	$41,910	$80,981	$23,310,633
6	69	$122,891	$41,765	$81,126	$23,229,507
6	70	$122,891	$41,620	$81,271	$23,148,236
6	71	$122,891	$41,474	$81,417	$23,066,820
6	72	$122,891	$41,328	$81,562	$22,985,257
7	73	$122,891	$41,182	$81,709	$22,903,548
7	74	$122,891	$41,036	$81,855	$22,821,693
7	75	$122,891	$40,889	$82,002	$22,739,692
7	76	$122,891	$40,742	$82,149	$22,657,543
7	77	$122,891	$40,595	$82,296	$22,575,247
7	78	$122,891	$40,447	$82,443	$22,492,804
7	79	$122,891	$40,300	$82,591	$22,410,213
7	80	$122,891	$40,152	$82,739	$22,327,474
7	81	$122,891	$40,003	$82,887	$22,244,587
7	82	$122,891	$39,855	$83,036	$22,161,551
7	83	$122,891	$39,706	$83,184	$22,078,367
7	84	$122,891	$39,557	$83,333	$21,995,034
8	85	$122,891	$39,408	$83,483	$21,911,551
8	86	$122,891	$39,258	$83,632	$21,827,918
8	87	$122,891	$39,108	$83,782	$21,744,136
8	88	$122,891	$38,958	$83,932	$21,660,204
8	89	$122,891	$38,808	$84,083	$21,576,121
8	90	$122,891	$38,657	$84,233	$21,491,888
8	91	$122,891	$38,506	$84,384	$21,407,504
8	92	$122,891	$38,355	$84,535	$21,322,968
8	93	$122,891	$38,204	$84,687	$21,238,281
8	94	$122,891	$38,052	$84,839	$21,153,443
8	95	$122,891	$37,900	$84,991	$21,068,452
8	96	$122,891	$37,748	$85,143	$20,983,309
9	97	$122,891	$37,595	$85,295	$20,898,014
9	98	$122,891	$37,442	$85,448	$20,812,565
9	99	$122,891	$37,289	$85,601	$20,726,964
9	100	$122,891	$37,136	$85,755	$20,641,209
9	101	$122,891	$36,982	$85,908	$20,555,301
9	102	$122,891	$36,828	$86,062	$20,469,239
9	103	$122,891	$36,674	$86,216	$20,383,022
9	104	$122,891	$36,520	$86,371	$20,296,651
9	105	$122,891	$36,365	$86,526	$20,210,125
9	106	$122,891	$36,210	$86,681	$20,123,445
9	107	$122,891	$36,055	$86,836	$20,036,609
9	108	$122,891	$35,899	$86,992	$19,949,617
10	109	$122,891	$35,743	$87,147	$19,862,470
10	110	$122,891	$35,587	$87,304	$19,775,166
10	111	$122,891	$35,431	$87,460	$19,687,706
10	112	$122,891	$35,274	$87,617	$19,600,089
10	113	$122,891	$35,117	$87,774	$19,512,315
10	114	$122,891	$34,960	$87,931	$19,424,384
10	115	$122,891	$34,802	$88,089	$19,336,296
10	116	$122,891	$34,644	$88,246	$19,248,050
10	117	$122,891	$34,486	$88,404	$19,159,645
10	118	$122,891	$34,328	$88,563	$19,071,082
10	119	$122,891	$34,169	$88,722	$18,982,361
10	120	$122,891	$34,010	$88,880	$18,893,480
11	121	$122,891	$33,851	$89,040	$18,804,440
11	122	$122,891	$33,691	$89,199	$18,715,241
11	123	$122,891	$33,531	$89,359	$18,625,882
11	124	$122,891	$33,371	$89,519	$18,536,363
11	125	$122,891	$33,211	$89,680	$18,446,683
11	126	$122,891	$33,050	$89,840	$18,356,843
11	127	$122,891	$32,889	$90,001	$18,266,842
11	128	$122,891	$32,728	$90,162	$18,176,680
11	129	$122,891	$32,567	$90,324	$18,086,356
11	130	$122,891	$32,405	$90,486	$17,995,870
11	131	$122,891	$32,243	$90,648	$17,905,222
11	132	$122,891	$32,080	$90,810	$17,814,411
12	133	$122,891	$31,917	$90,973	$17,723,438
12	134	$122,891	$31,754	$91,136	$17,632,302
12	135	$122,891	$31,591	$91,299	$17,541,003
12	136	$122,891	$31,428	$91,463	$17,449,540
12	137	$122,891	$31,264	$91,627	$17,357,913
12	138	$122,891	$31,100	$91,791	$17,266,122
12	139	$122,891	$30,935	$91,955	$17,174,167
12	140	$122,891	$30,770	$92,120	$17,082,047
12	141	$122,891	$30,605	$92,285	$16,989,761
12	142	$122,891	$30,440	$92,451	$16,897,311
12	143	$122,891	$30,274	$92,616	$16,804,695
12	144	$122,891	$30,108	$92,782	$16,711,913
13	145	$122,891	$29,942	$92,948	$16,618,964
13	146	$122,891	$29,776	$93,115	$16,525,849
13	147	$122,891	$29,609	$93,282	$16,432,568
13	148	$122,891	$29,442	$93,449	$16,339,119
13	149	$122,891	$29,274	$93,616	$16,245,502
13	150	$122,891	$29,107	$93,784	$16,151,718
13	151	$122,891	$28,938	$93,952	$16,057,766
13	152	$122,891	$28,770	$94,120	$15,963,646
13	153	$122,891	$28,602	$94,289	$15,869,357
13	154	$122,891	$28,433	$94,458	$15,774,899
13	155	$122,891	$28,263	$94,627	$15,680,272
13	156	$122,891	$28,094	$94,797	$15,585,475
14	157	$122,891	$27,924	$94,967	$15,490,508
14	158	$122,891	$27,754	$95,137	$15,395,372
14	159	$122,891	$27,583	$95,307	$15,300,065
14	160	$122,891	$27,413	$95,478	$15,204,587
14	161	$122,891	$27,242	$95,649	$15,108,938
14	162	$122,891	$27,070	$95,820	$15,013,117
14	163	$122,891	$26,899	$95,992	$14,917,125
14	164	$122,891	$26,727	$96,164	$14,820,961
14	165	$122,891	$26,554	$96,336	$14,724,625
14	166	$122,891	$26,382	$96,509	$14,628,116
14	167	$122,891	$26,209	$96,682	$14,531,434
14	168	$122,891	$26,035	$96,855	$14,434,579
15	169	$122,891	$25,862	$97,029	$14,337,550
15	170	$122,891	$25,688	$97,202	$14,240,348
15	171	$122,891	$25,514	$97,377	$14,142,971
15	172	$122,891	$25,339	$97,551	$14,045,420
15	173	$122,891	$25,165	$97,726	$13,947,695
15	174	$122,891	$24,990	$97,901	$13,849,794
15	175	$122,891	$24,814	$98,076	$13,751,717
15	176	$122,891	$24,638	$98,252	$13,653,465
15	177	$122,891	$24,462	$98,428	$13,555,037
15	178	$122,891	$24,286	$98,604	$13,456,433
15	179	$122,891	$24,109	$98,781	$13,357,652
15	180	$122,891	$23,932	$98,958	$13,258,694
16	181	$122,891	$23,755	$99,135	$13,159,558
16	182	$122,891	$23,578	$99,313	$13,060,245
16	183	$122,891	$23,400	$99,491	$12,960,754
16	184	$122,891	$23,221	$99,669	$12,861,085
16	185	$122,891	$23,043	$99,848	$12,761,237
16	186	$122,891	$22,864	$100,027	$12,661,211
16	187	$122,891	$22,685	$100,206	$12,561,005
16	188	$122,891	$22,505	$100,385	$12,460,619
16	189	$122,891	$22,325	$100,565	$12,360,054
16	190	$122,891	$22,145	$100,745	$12,259,309
16	191	$122,891	$21,965	$100,926	$12,158,383
16	192	$122,891	$21,784	$101,107	$12,057,276
17	193	$122,891	$21,603	$101,288	$11,955,988
17	194	$122,891	$21,421	$101,469	$11,854,518
17	195	$122,891	$21,239	$101,651	$11,752,867
17	196	$122,891	$21,057	$101,833	$11,651,034
17	197	$122,891	$20,875	$102,016	$11,549,018
17	198	$122,891	$20,692	$102,199	$11,446,820
17	199	$122,891	$20,509	$102,382	$11,344,438
17	200	$122,891	$20,325	$102,565	$11,241,873
17	201	$122,891	$20,142	$102,749	$11,139,124
17	202	$122,891	$19,958	$102,933	$11,036,191
17	203	$122,891	$19,773	$103,117	$10,933,074
17	204	$122,891	$19,588	$103,302	$10,829,772
18	205	$122,891	$19,403	$103,487	$10,726,284
18	206	$122,891	$19,218	$103,673	$10,622,612
18	207	$122,891	$19,032	$103,858	$10,518,753
18	208	$122,891	$18,846	$104,044	$10,414,709
18	209	$122,891	$18,660	$104,231	$10,310,478
18	210	$122,891	$18,473	$104,418	$10,206,060
18	211	$122,891	$18,286	$104,605	$10,101,456
18	212	$122,891	$18,098	$104,792	$9,996,664
18	213	$122,891	$17,911	$104,980	$9,891,684
18	214	$122,891	$17,723	$105,168	$9,786,516
18	215	$122,891	$17,534	$105,356	$9,681,159
18	216	$122,891	$17,345	$105,545	$9,575,614
19	217	$122,891	$17,156	$105,734	$9,469,880
19	218	$122,891	$16,967	$105,924	$9,363,956
19	219	$122,891	$16,777	$106,113	$9,257,843
19	220	$122,891	$16,587	$106,304	$9,151,539
19	221	$122,891	$16,397	$106,494	$9,045,045
19	222	$122,891	$16,206	$106,685	$8,938,360
19	223	$122,891	$16,015	$106,876	$8,831,484
19	224	$122,891	$15,823	$107,067	$8,724,417
19	225	$122,891	$15,631	$107,259	$8,617,158
19	226	$122,891	$15,439	$107,451	$8,509,706
19	227	$122,891	$15,247	$107,644	$8,402,062
19	228	$122,891	$15,054	$107,837	$8,294,225
20	229	$122,891	$14,860	$108,030	$8,186,195
20	230	$122,891	$14,667	$108,224	$8,077,972
20	231	$122,891	$14,473	$108,418	$7,969,554
20	232	$122,891	$14,279	$108,612	$7,860,942
20	233	$122,891	$14,084	$108,806	$7,752,136
20	234	$122,891	$13,889	$109,001	$7,643,135
20	235	$122,891	$13,694	$109,197	$7,533,938
20	236	$122,891	$13,498	$109,392	$7,424,546
20	237	$122,891	$13,302	$109,588	$7,314,958
20	238	$122,891	$13,106	$109,785	$7,205,173
20	239	$122,891	$12,909	$109,981	$7,095,192
20	240	$122,891	$12,712	$110,178	$6,985,013
21	241	$122,891	$12,515	$110,376	$6,874,638
21	242	$122,891	$12,317	$110,573	$6,764,064
21	243	$122,891	$12,119	$110,772	$6,653,293
21	244	$122,891	$11,920	$110,970	$6,542,323
21	245	$122,891	$11,722	$111,169	$6,431,154
21	246	$122,891	$11,522	$111,368	$6,319,786
21	247	$122,891	$11,323	$111,568	$6,208,218
21	248	$122,891	$11,123	$111,767	$6,096,451
21	249	$122,891	$10,923	$111,968	$5,984,483
21	250	$122,891	$10,722	$112,168	$5,872,314
21	251	$122,891	$10,521	$112,369	$5,759,945
21	252	$122,891	$10,320	$112,571	$5,647,374
22	253	$122,891	$10,118	$112,772	$5,534,602
22	254	$122,891	$9,916	$112,974	$5,421,628
22	255	$122,891	$9,714	$113,177	$5,308,451
22	256	$122,891	$9,511	$113,380	$5,195,071
22	257	$122,891	$9,308	$113,583	$5,081,489
22	258	$122,891	$9,104	$113,786	$4,967,702
22	259	$122,891	$8,900	$113,990	$4,853,712
22	260	$122,891	$8,696	$114,194	$4,739,518
22	261	$122,891	$8,492	$114,399	$4,625,119
22	262	$122,891	$8,287	$114,604	$4,510,515
22	263	$122,891	$8,081	$114,809	$4,395,706
22	264	$122,891	$7,876	$115,015	$4,280,691
23	265	$122,891	$7,670	$115,221	$4,165,470
23	266	$122,891	$7,463	$115,427	$4,050,043
23	267	$122,891	$7,256	$115,634	$3,934,409
23	268	$122,891	$7,049	$115,841	$3,818,567
23	269	$122,891	$6,842	$116,049	$3,702,518
23	270	$122,891	$6,634	$116,257	$3,586,261
23	271	$122,891	$6,425	$116,465	$3,469,796
23	272	$122,891	$6,217	$116,674	$3,353,122
23	273	$122,891	$6,008	$116,883	$3,236,239
23	274	$122,891	$5,798	$117,092	$3,119,147
23	275	$122,891	$5,588	$117,302	$3,001,845
23	276	$122,891	$5,378	$117,512	$2,884,333
24	277	$122,891	$5,168	$117,723	$2,766,610
24	278	$122,891	$4,957	$117,934	$2,648,676
24	279	$122,891	$4,746	$118,145	$2,530,531
24	280	$122,891	$4,534	$118,357	$2,412,175
24	281	$122,891	$4,322	$118,569	$2,293,606
24	282	$122,891	$4,109	$118,781	$2,174,825
24	283	$122,891	$3,897	$118,994	$2,055,831
24	284	$122,891	$3,683	$119,207	$1,936,624
24	285	$122,891	$3,470	$119,421	$1,817,203
24	286	$122,891	$3,256	$119,635	$1,697,568
24	287	$122,891	$3,041	$119,849	$1,577,719
24	288	$122,891	$2,827	$120,064	$1,457,655
25	289	$122,891	$2,612	$120,279	$1,337,376
25	290	$122,891	$2,396	$120,494	$1,216,882
25	291	$122,891	$2,180	$120,710	$1,096,172
25	292	$122,891	$1,964	$120,927	$975,245
25	293	$122,891	$1,747	$121,143	$854,102
25	294	$122,891	$1,530	$121,360	$732,742
25	295	$122,891	$1,313	$121,578	$611,164
25	296	$122,891	$1,095	$121,796	$489,368
25	297	$122,891	$877	$122,014	$367,355
25	298	$122,891	$658	$122,232	$245,122
25	299	$122,891	$439	$122,451	$122,671
25	300	$122,891	$220	$122,671	$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$ 19,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 19,475,000

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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.