Century 21 Centaland Property

Down Payment (HKD)

$10,340,000

Monthly Repayment (HKD)

$66,878

Loan Amount (HKD)

$15,510,000

Total Interest (HKD)

$4,553,499

Total Repayment (HKD)

$20,063,499

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$66,878	$27,789	$39,090	$15,470,910
1	2	$66,878	$27,719	$39,160	$15,431,751
1	3	$66,878	$27,649	$39,230	$15,392,521
1	4	$66,878	$27,578	$39,300	$15,353,221
1	5	$66,878	$27,508	$39,370	$15,313,850
1	6	$66,878	$27,437	$39,441	$15,274,409
1	7	$66,878	$27,367	$39,512	$15,234,898
1	8	$66,878	$27,296	$39,582	$15,195,315
1	9	$66,878	$27,225	$39,653	$15,155,662
1	10	$66,878	$27,154	$39,724	$15,115,937
1	11	$66,878	$27,083	$39,796	$15,076,142
1	12	$66,878	$27,011	$39,867	$15,036,275
2	13	$66,878	$26,940	$39,938	$14,996,337
2	14	$66,878	$26,868	$40,010	$14,956,327
2	15	$66,878	$26,797	$40,082	$14,916,245
2	16	$66,878	$26,725	$40,153	$14,876,092
2	17	$66,878	$26,653	$40,225	$14,835,866
2	18	$66,878	$26,581	$40,297	$14,795,569
2	19	$66,878	$26,509	$40,370	$14,755,199
2	20	$66,878	$26,436	$40,442	$14,714,758
2	21	$66,878	$26,364	$40,514	$14,674,243
2	22	$66,878	$26,291	$40,587	$14,633,656
2	23	$66,878	$26,219	$40,660	$14,592,996
2	24	$66,878	$26,146	$40,733	$14,552,264
3	25	$66,878	$26,073	$40,806	$14,511,458
3	26	$66,878	$26,000	$40,879	$14,470,580
3	27	$66,878	$25,926	$40,952	$14,429,628
3	28	$66,878	$25,853	$41,025	$14,388,603
3	29	$66,878	$25,780	$41,099	$14,347,504
3	30	$66,878	$25,706	$41,172	$14,306,331
3	31	$66,878	$25,632	$41,246	$14,265,085
3	32	$66,878	$25,558	$41,320	$14,223,765
3	33	$66,878	$25,484	$41,394	$14,182,371
3	34	$66,878	$25,410	$41,468	$14,140,903
3	35	$66,878	$25,336	$41,543	$14,099,360
3	36	$66,878	$25,261	$41,617	$14,057,743
4	37	$66,878	$25,187	$41,692	$14,016,052
4	38	$66,878	$25,112	$41,766	$13,974,286
4	39	$66,878	$25,037	$41,841	$13,932,445
4	40	$66,878	$24,962	$41,916	$13,890,529
4	41	$66,878	$24,887	$41,991	$13,848,537
4	42	$66,878	$24,812	$42,066	$13,806,471
4	43	$66,878	$24,737	$42,142	$13,764,329
4	44	$66,878	$24,661	$42,217	$13,722,112
4	45	$66,878	$24,585	$42,293	$13,679,819
4	46	$66,878	$24,510	$42,369	$13,637,451
4	47	$66,878	$24,434	$42,445	$13,595,006
4	48	$66,878	$24,358	$42,521	$13,552,485
5	49	$66,878	$24,282	$42,597	$13,509,889
5	50	$66,878	$24,205	$42,673	$13,467,215
5	51	$66,878	$24,129	$42,750	$13,424,466
5	52	$66,878	$24,052	$42,826	$13,381,640
5	53	$66,878	$23,975	$42,903	$13,338,737
5	54	$66,878	$23,899	$42,980	$13,295,757
5	55	$66,878	$23,822	$43,057	$13,252,700
5	56	$66,878	$23,744	$43,134	$13,209,566
5	57	$66,878	$23,667	$43,211	$13,166,355
5	58	$66,878	$23,590	$43,289	$13,123,067
5	59	$66,878	$23,512	$43,366	$13,079,700
5	60	$66,878	$23,434	$43,444	$13,036,257
6	61	$66,878	$23,357	$43,522	$12,992,735
6	62	$66,878	$23,279	$43,600	$12,949,135
6	63	$66,878	$23,201	$43,678	$12,905,457
6	64	$66,878	$23,122	$43,756	$12,861,701
6	65	$66,878	$23,044	$43,834	$12,817,867
6	66	$66,878	$22,965	$43,913	$12,773,954
6	67	$66,878	$22,887	$43,992	$12,729,962
6	68	$66,878	$22,808	$44,070	$12,685,892
6	69	$66,878	$22,729	$44,149	$12,641,742
6	70	$66,878	$22,650	$44,229	$12,597,514
6	71	$66,878	$22,571	$44,308	$12,553,206
6	72	$66,878	$22,491	$44,387	$12,508,819
7	73	$66,878	$22,412	$44,467	$12,464,352
7	74	$66,878	$22,332	$44,546	$12,419,806
7	75	$66,878	$22,252	$44,626	$12,375,180
7	76	$66,878	$22,172	$44,706	$12,330,473
7	77	$66,878	$22,092	$44,786	$12,285,687
7	78	$66,878	$22,012	$44,866	$12,240,821
7	79	$66,878	$21,931	$44,947	$12,195,874
7	80	$66,878	$21,851	$45,027	$12,150,847
7	81	$66,878	$21,770	$45,108	$12,105,738
7	82	$66,878	$21,689	$45,189	$12,060,550
7	83	$66,878	$21,608	$45,270	$12,015,280
7	84	$66,878	$21,527	$45,351	$11,969,929
8	85	$66,878	$21,446	$45,432	$11,924,497
8	86	$66,878	$21,365	$45,514	$11,878,983
8	87	$66,878	$21,283	$45,595	$11,833,388
8	88	$66,878	$21,201	$45,677	$11,787,711
8	89	$66,878	$21,120	$45,759	$11,741,952
8	90	$66,878	$21,038	$45,841	$11,696,112
8	91	$66,878	$20,956	$45,923	$11,650,189
8	92	$66,878	$20,873	$46,005	$11,604,184
8	93	$66,878	$20,791	$46,088	$11,558,096
8	94	$66,878	$20,708	$46,170	$11,511,926
8	95	$66,878	$20,626	$46,253	$11,465,673
8	96	$66,878	$20,543	$46,336	$11,419,338
9	97	$66,878	$20,460	$46,419	$11,372,919
9	98	$66,878	$20,376	$46,502	$11,326,417
9	99	$66,878	$20,293	$46,585	$11,279,832
9	100	$66,878	$20,210	$46,669	$11,233,163
9	101	$66,878	$20,126	$46,752	$11,186,411
9	102	$66,878	$20,042	$46,836	$11,139,575
9	103	$66,878	$19,958	$46,920	$11,092,655
9	104	$66,878	$19,874	$47,004	$11,045,651
9	105	$66,878	$19,790	$47,088	$10,998,563
9	106	$66,878	$19,706	$47,173	$10,951,390
9	107	$66,878	$19,621	$47,257	$10,904,133
9	108	$66,878	$19,537	$47,342	$10,856,792
10	109	$66,878	$19,452	$47,427	$10,809,365
10	110	$66,878	$19,367	$47,512	$10,761,853
10	111	$66,878	$19,282	$47,597	$10,714,257
10	112	$66,878	$19,196	$47,682	$10,666,575
10	113	$66,878	$19,111	$47,767	$10,618,807
10	114	$66,878	$19,025	$47,853	$10,570,954
10	115	$66,878	$18,940	$47,939	$10,523,016
10	116	$66,878	$18,854	$48,025	$10,474,991
10	117	$66,878	$18,768	$48,111	$10,426,881
10	118	$66,878	$18,681	$48,197	$10,378,684
10	119	$66,878	$18,595	$48,283	$10,330,401
10	120	$66,878	$18,509	$48,370	$10,282,031
11	121	$66,878	$18,422	$48,456	$10,233,574
11	122	$66,878	$18,335	$48,543	$10,185,031
11	123	$66,878	$18,248	$48,630	$10,136,401
11	124	$66,878	$18,161	$48,717	$10,087,684
11	125	$66,878	$18,074	$48,805	$10,038,879
11	126	$66,878	$17,986	$48,892	$9,989,987
11	127	$66,878	$17,899	$48,980	$9,941,008
11	128	$66,878	$17,811	$49,067	$9,891,940
11	129	$66,878	$17,723	$49,155	$9,842,785
11	130	$66,878	$17,635	$49,243	$9,793,542
11	131	$66,878	$17,547	$49,332	$9,744,210
11	132	$66,878	$17,458	$49,420	$9,694,790
12	133	$66,878	$17,370	$49,508	$9,645,282
12	134	$66,878	$17,281	$49,597	$9,595,684
12	135	$66,878	$17,192	$49,686	$9,545,998
12	136	$66,878	$17,103	$49,775	$9,496,223
12	137	$66,878	$17,014	$49,864	$9,446,359
12	138	$66,878	$16,925	$49,954	$9,396,405
12	139	$66,878	$16,835	$50,043	$9,346,362
12	140	$66,878	$16,746	$50,133	$9,296,230
12	141	$66,878	$16,656	$50,223	$9,246,007
12	142	$66,878	$16,566	$50,313	$9,195,694
12	143	$66,878	$16,476	$50,403	$9,145,292
12	144	$66,878	$16,385	$50,493	$9,094,799
13	145	$66,878	$16,295	$50,583	$9,044,215
13	146	$66,878	$16,204	$50,674	$8,993,541
13	147	$66,878	$16,113	$50,765	$8,942,776
13	148	$66,878	$16,022	$50,856	$8,891,920
13	149	$66,878	$15,931	$50,947	$8,840,973
13	150	$66,878	$15,840	$51,038	$8,789,935
13	151	$66,878	$15,749	$51,130	$8,738,805
13	152	$66,878	$15,657	$51,221	$8,687,584
13	153	$66,878	$15,565	$51,313	$8,636,271
13	154	$66,878	$15,473	$51,405	$8,584,866
13	155	$66,878	$15,381	$51,497	$8,533,369
13	156	$66,878	$15,289	$51,589	$8,481,780
14	157	$66,878	$15,197	$51,682	$8,430,098
14	158	$66,878	$15,104	$51,774	$8,378,323
14	159	$66,878	$15,011	$51,867	$8,326,456
14	160	$66,878	$14,918	$51,960	$8,274,496
14	161	$66,878	$14,825	$52,053	$8,222,443
14	162	$66,878	$14,732	$52,146	$8,170,296
14	163	$66,878	$14,638	$52,240	$8,118,057
14	164	$66,878	$14,545	$52,333	$8,065,723
14	165	$66,878	$14,451	$52,427	$8,013,296
14	166	$66,878	$14,357	$52,521	$7,960,775
14	167	$66,878	$14,263	$52,615	$7,908,159
14	168	$66,878	$14,169	$52,710	$7,855,450
15	169	$66,878	$14,074	$52,804	$7,802,646
15	170	$66,878	$13,980	$52,899	$7,749,747
15	171	$66,878	$13,885	$52,993	$7,696,754
15	172	$66,878	$13,790	$53,088	$7,643,666
15	173	$66,878	$13,695	$53,183	$7,590,482
15	174	$66,878	$13,600	$53,279	$7,537,203
15	175	$66,878	$13,504	$53,374	$7,483,829
15	176	$66,878	$13,409	$53,470	$7,430,359
15	177	$66,878	$13,313	$53,566	$7,376,794
15	178	$66,878	$13,217	$53,662	$7,323,132
15	179	$66,878	$13,121	$53,758	$7,269,375
15	180	$66,878	$13,024	$53,854	$7,215,521
16	181	$66,878	$12,928	$53,951	$7,161,570
16	182	$66,878	$12,831	$54,047	$7,107,523
16	183	$66,878	$12,734	$54,144	$7,053,379
16	184	$66,878	$12,637	$54,241	$6,999,138
16	185	$66,878	$12,540	$54,338	$6,944,800
16	186	$66,878	$12,443	$54,436	$6,890,364
16	187	$66,878	$12,345	$54,533	$6,835,831
16	188	$66,878	$12,248	$54,631	$6,781,200
16	189	$66,878	$12,150	$54,729	$6,726,471
16	190	$66,878	$12,052	$54,827	$6,671,645
16	191	$66,878	$11,953	$54,925	$6,616,720
16	192	$66,878	$11,855	$55,023	$6,561,696
17	193	$66,878	$11,756	$55,122	$6,506,574
17	194	$66,878	$11,658	$55,221	$6,451,354
17	195	$66,878	$11,559	$55,320	$6,396,034
17	196	$66,878	$11,460	$55,419	$6,340,615
17	197	$66,878	$11,360	$55,518	$6,285,097
17	198	$66,878	$11,261	$55,618	$6,229,480
17	199	$66,878	$11,161	$55,717	$6,173,763
17	200	$66,878	$11,061	$55,817	$6,117,946
17	201	$66,878	$10,961	$55,917	$6,062,029
17	202	$66,878	$10,861	$56,017	$6,006,011
17	203	$66,878	$10,761	$56,118	$5,949,894
17	204	$66,878	$10,660	$56,218	$5,893,676
18	205	$66,878	$10,560	$56,319	$5,837,357
18	206	$66,878	$10,459	$56,420	$5,780,937
18	207	$66,878	$10,358	$56,521	$5,724,416
18	208	$66,878	$10,256	$56,622	$5,667,794
18	209	$66,878	$10,155	$56,724	$5,611,071
18	210	$66,878	$10,053	$56,825	$5,554,246
18	211	$66,878	$9,951	$56,927	$5,497,319
18	212	$66,878	$9,849	$57,029	$5,440,290
18	213	$66,878	$9,747	$57,131	$5,383,158
18	214	$66,878	$9,645	$57,234	$5,325,925
18	215	$66,878	$9,542	$57,336	$5,268,589
18	216	$66,878	$9,440	$57,439	$5,211,150
19	217	$66,878	$9,337	$57,542	$5,153,608
19	218	$66,878	$9,234	$57,645	$5,095,964
19	219	$66,878	$9,130	$57,748	$5,038,216
19	220	$66,878	$9,027	$57,852	$4,980,364
19	221	$66,878	$8,923	$57,955	$4,922,409
19	222	$66,878	$8,819	$58,059	$4,864,350
19	223	$66,878	$8,715	$58,163	$4,806,187
19	224	$66,878	$8,611	$58,267	$4,747,920
19	225	$66,878	$8,507	$58,372	$4,689,548
19	226	$66,878	$8,402	$58,476	$4,631,072
19	227	$66,878	$8,297	$58,581	$4,572,491
19	228	$66,878	$8,192	$58,686	$4,513,805
20	229	$66,878	$8,087	$58,791	$4,455,014
20	230	$66,878	$7,982	$58,896	$4,396,117
20	231	$66,878	$7,876	$59,002	$4,337,115
20	232	$66,878	$7,771	$59,108	$4,278,008
20	233	$66,878	$7,665	$59,214	$4,218,794
20	234	$66,878	$7,559	$59,320	$4,159,474
20	235	$66,878	$7,452	$59,426	$4,100,048
20	236	$66,878	$7,346	$59,532	$4,040,516
20	237	$66,878	$7,239	$59,639	$3,980,877
20	238	$66,878	$7,132	$59,746	$3,921,131
20	239	$66,878	$7,025	$59,853	$3,861,278
20	240	$66,878	$6,918	$59,960	$3,801,318
21	241	$66,878	$6,811	$60,068	$3,741,250
21	242	$66,878	$6,703	$60,175	$3,681,075
21	243	$66,878	$6,595	$60,283	$3,620,792
21	244	$66,878	$6,487	$60,391	$3,560,401
21	245	$66,878	$6,379	$60,499	$3,499,902
21	246	$66,878	$6,271	$60,608	$3,439,294
21	247	$66,878	$6,162	$60,716	$3,378,578
21	248	$66,878	$6,053	$60,825	$3,317,753
21	249	$66,878	$5,944	$60,934	$3,256,819
21	250	$66,878	$5,835	$61,043	$3,195,775
21	251	$66,878	$5,726	$61,153	$3,134,623
21	252	$66,878	$5,616	$61,262	$3,073,361
22	253	$66,878	$5,506	$61,372	$3,011,989
22	254	$66,878	$5,396	$61,482	$2,950,507
22	255	$66,878	$5,286	$61,592	$2,888,915
22	256	$66,878	$5,176	$61,702	$2,827,213
22	257	$66,878	$5,065	$61,813	$2,765,400
22	258	$66,878	$4,955	$61,924	$2,703,476
22	259	$66,878	$4,844	$62,035	$2,641,441
22	260	$66,878	$4,733	$62,146	$2,579,296
22	261	$66,878	$4,621	$62,257	$2,517,039
22	262	$66,878	$4,510	$62,369	$2,454,670
22	263	$66,878	$4,398	$62,480	$2,392,190
22	264	$66,878	$4,286	$62,592	$2,329,597
23	265	$66,878	$4,174	$62,704	$2,266,893
23	266	$66,878	$4,062	$62,817	$2,204,076
23	267	$66,878	$3,949	$62,929	$2,141,147
23	268	$66,878	$3,836	$63,042	$2,078,104
23	269	$66,878	$3,723	$63,155	$2,014,949
23	270	$66,878	$3,610	$63,268	$1,951,681
23	271	$66,878	$3,497	$63,382	$1,888,300
23	272	$66,878	$3,383	$63,495	$1,824,804
23	273	$66,878	$3,269	$63,609	$1,761,196
23	274	$66,878	$3,155	$63,723	$1,697,473
23	275	$66,878	$3,041	$63,837	$1,633,636
23	276	$66,878	$2,927	$63,951	$1,569,684
24	277	$66,878	$2,812	$64,066	$1,505,618
24	278	$66,878	$2,698	$64,181	$1,441,438
24	279	$66,878	$2,583	$64,296	$1,377,142
24	280	$66,878	$2,467	$64,411	$1,312,731
24	281	$66,878	$2,352	$64,526	$1,248,205
24	282	$66,878	$2,236	$64,642	$1,183,563
24	283	$66,878	$2,121	$64,758	$1,118,805
24	284	$66,878	$2,005	$64,874	$1,053,931
24	285	$66,878	$1,888	$64,990	$988,941
24	286	$66,878	$1,772	$65,106	$923,834
24	287	$66,878	$1,655	$65,223	$858,611
24	288	$66,878	$1,538	$65,340	$793,271
25	289	$66,878	$1,421	$65,457	$727,814
25	290	$66,878	$1,304	$65,574	$662,240
25	291	$66,878	$1,187	$65,692	$596,548
25	292	$66,878	$1,069	$65,810	$530,739
25	293	$66,878	$951	$65,927	$464,811
25	294	$66,878	$833	$66,046	$398,766
25	295	$66,878	$714	$66,164	$332,602
25	296	$66,878	$596	$66,282	$266,319
25	297	$66,878	$477	$66,401	$199,918
25	298	$66,878	$358	$66,520	$133,398
25	299	$66,878	$239	$66,639	$66,759
25	300	$66,878	$120	$66,759	$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$ 10,340,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,598,500

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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.