Century 21 Centaland Property

Down Payment (HKD)

$17,520,000

Monthly Repayment (HKD)

$113,318

Loan Amount (HKD)

$26,280,000

Total Interest (HKD)

$7,715,406

Total Repayment (HKD)

$33,995,406

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$113,318	$47,085	$66,233	$26,213,767
1	2	$113,318	$46,966	$66,352	$26,147,415
1	3	$113,318	$46,847	$66,471	$26,080,945
1	4	$113,318	$46,728	$66,590	$26,014,355
1	5	$113,318	$46,609	$66,709	$25,947,646
1	6	$113,318	$46,490	$66,828	$25,880,818
1	7	$113,318	$46,370	$66,948	$25,813,869
1	8	$113,318	$46,250	$67,068	$25,746,801
1	9	$113,318	$46,130	$67,188	$25,679,613
1	10	$113,318	$46,009	$67,309	$25,612,304
1	11	$113,318	$45,889	$67,429	$25,544,875
1	12	$113,318	$45,768	$67,550	$25,477,325
2	13	$113,318	$45,647	$67,671	$25,409,654
2	14	$113,318	$45,526	$67,792	$25,341,861
2	15	$113,318	$45,404	$67,914	$25,273,947
2	16	$113,318	$45,282	$68,036	$25,205,912
2	17	$113,318	$45,161	$68,157	$25,137,754
2	18	$113,318	$45,038	$68,280	$25,069,475
2	19	$113,318	$44,916	$68,402	$25,001,073
2	20	$113,318	$44,794	$68,524	$24,932,549
2	21	$113,318	$44,671	$68,647	$24,863,901
2	22	$113,318	$44,548	$68,770	$24,795,131
2	23	$113,318	$44,425	$68,893	$24,726,238
2	24	$113,318	$44,301	$69,017	$24,657,221
3	25	$113,318	$44,178	$69,141	$24,588,080
3	26	$113,318	$44,054	$69,264	$24,518,816
3	27	$113,318	$43,930	$69,388	$24,449,428
3	28	$113,318	$43,805	$69,513	$24,379,915
3	29	$113,318	$43,681	$69,637	$24,310,277
3	30	$113,318	$43,556	$69,762	$24,240,515
3	31	$113,318	$43,431	$69,887	$24,170,628
3	32	$113,318	$43,306	$70,012	$24,100,616
3	33	$113,318	$43,180	$70,138	$24,030,478
3	34	$113,318	$43,055	$70,263	$23,960,215
3	35	$113,318	$42,929	$70,389	$23,889,825
3	36	$113,318	$42,803	$70,515	$23,819,310
4	37	$113,318	$42,676	$70,642	$23,748,668
4	38	$113,318	$42,550	$70,768	$23,677,900
4	39	$113,318	$42,423	$70,895	$23,607,005
4	40	$113,318	$42,296	$71,022	$23,535,983
4	41	$113,318	$42,169	$71,149	$23,464,833
4	42	$113,318	$42,041	$71,277	$23,393,556
4	43	$113,318	$41,913	$71,405	$23,322,152
4	44	$113,318	$41,786	$71,532	$23,250,619
4	45	$113,318	$41,657	$71,661	$23,178,959
4	46	$113,318	$41,529	$71,789	$23,107,170
4	47	$113,318	$41,400	$71,918	$23,035,252
4	48	$113,318	$41,271	$72,047	$22,963,205
5	49	$113,318	$41,142	$72,176	$22,891,030
5	50	$113,318	$41,013	$72,305	$22,818,725
5	51	$113,318	$40,884	$72,434	$22,746,290
5	52	$113,318	$40,754	$72,564	$22,673,726
5	53	$113,318	$40,624	$72,694	$22,601,032
5	54	$113,318	$40,494	$72,825	$22,528,207
5	55	$113,318	$40,363	$72,955	$22,455,252
5	56	$113,318	$40,232	$73,086	$22,382,167
5	57	$113,318	$40,101	$73,217	$22,308,950
5	58	$113,318	$39,970	$73,348	$22,235,602
5	59	$113,318	$39,839	$73,479	$22,162,123
5	60	$113,318	$39,707	$73,611	$22,088,512
6	61	$113,318	$39,575	$73,743	$22,014,769
6	62	$113,318	$39,443	$73,875	$21,940,894
6	63	$113,318	$39,311	$74,007	$21,866,887
6	64	$113,318	$39,178	$74,140	$21,792,747
6	65	$113,318	$39,045	$74,273	$21,718,475
6	66	$113,318	$38,912	$74,406	$21,644,069
6	67	$113,318	$38,779	$74,539	$21,569,530
6	68	$113,318	$38,645	$74,673	$21,494,857
6	69	$113,318	$38,512	$74,806	$21,420,051
6	70	$113,318	$38,378	$74,940	$21,345,110
6	71	$113,318	$38,243	$75,075	$21,270,036
6	72	$113,318	$38,109	$75,209	$21,194,826
7	73	$113,318	$37,974	$75,344	$21,119,483
7	74	$113,318	$37,839	$75,479	$21,044,004
7	75	$113,318	$37,704	$75,614	$20,968,389
7	76	$113,318	$37,568	$75,750	$20,892,640
7	77	$113,318	$37,433	$75,885	$20,816,754
7	78	$113,318	$37,297	$76,021	$20,740,733
7	79	$113,318	$37,160	$76,158	$20,664,575
7	80	$113,318	$37,024	$76,294	$20,588,282
7	81	$113,318	$36,887	$76,431	$20,511,851
7	82	$113,318	$36,750	$76,568	$20,435,283
7	83	$113,318	$36,613	$76,705	$20,358,578
7	84	$113,318	$36,476	$76,842	$20,281,736
8	85	$113,318	$36,338	$76,980	$20,204,756
8	86	$113,318	$36,200	$77,118	$20,127,638
8	87	$113,318	$36,062	$77,256	$20,050,382
8	88	$113,318	$35,924	$77,394	$19,972,988
8	89	$113,318	$35,785	$77,533	$19,895,455
8	90	$113,318	$35,646	$77,672	$19,817,783
8	91	$113,318	$35,507	$77,811	$19,739,972
8	92	$113,318	$35,367	$77,951	$19,662,021
8	93	$113,318	$35,228	$78,090	$19,583,931
8	94	$113,318	$35,088	$78,230	$19,505,701
8	95	$113,318	$34,948	$78,370	$19,427,330
8	96	$113,318	$34,807	$78,511	$19,348,820
9	97	$113,318	$34,667	$78,651	$19,270,168
9	98	$113,318	$34,526	$78,792	$19,191,376
9	99	$113,318	$34,385	$78,933	$19,112,443
9	100	$113,318	$34,243	$79,075	$19,033,368
9	101	$113,318	$34,101	$79,217	$18,954,151
9	102	$113,318	$33,960	$79,359	$18,874,793
9	103	$113,318	$33,817	$79,501	$18,795,292
9	104	$113,318	$33,675	$79,643	$18,715,649
9	105	$113,318	$33,532	$79,786	$18,635,863
9	106	$113,318	$33,389	$79,929	$18,555,934
9	107	$113,318	$33,246	$80,072	$18,475,862
9	108	$113,318	$33,103	$80,215	$18,395,647
10	109	$113,318	$32,959	$80,359	$18,315,288
10	110	$113,318	$32,815	$80,503	$18,234,785
10	111	$113,318	$32,671	$80,647	$18,154,137
10	112	$113,318	$32,526	$80,792	$18,073,345
10	113	$113,318	$32,381	$80,937	$17,992,409
10	114	$113,318	$32,236	$81,082	$17,911,327
10	115	$113,318	$32,091	$81,227	$17,830,100
10	116	$113,318	$31,946	$81,372	$17,748,728
10	117	$113,318	$31,800	$81,518	$17,667,210
10	118	$113,318	$31,654	$81,664	$17,585,545
10	119	$113,318	$31,507	$81,811	$17,503,735
10	120	$113,318	$31,361	$81,957	$17,421,778
11	121	$113,318	$31,214	$82,104	$17,339,674
11	122	$113,318	$31,067	$82,251	$17,257,422
11	123	$113,318	$30,920	$82,398	$17,175,024
11	124	$113,318	$30,772	$82,546	$17,092,478
11	125	$113,318	$30,624	$82,694	$17,009,784
11	126	$113,318	$30,476	$82,842	$16,926,942
11	127	$113,318	$30,327	$82,991	$16,843,951
11	128	$113,318	$30,179	$83,139	$16,760,812
11	129	$113,318	$30,030	$83,288	$16,677,524
11	130	$113,318	$29,881	$83,437	$16,594,086
11	131	$113,318	$29,731	$83,587	$16,510,499
11	132	$113,318	$29,581	$83,737	$16,426,762
12	133	$113,318	$29,431	$83,887	$16,342,876
12	134	$113,318	$29,281	$84,037	$16,258,839
12	135	$113,318	$29,130	$84,188	$16,174,651
12	136	$113,318	$28,980	$84,338	$16,090,313
12	137	$113,318	$28,828	$84,490	$16,005,823
12	138	$113,318	$28,677	$84,641	$15,921,182
12	139	$113,318	$28,525	$84,793	$15,836,390
12	140	$113,318	$28,374	$84,944	$15,751,445
12	141	$113,318	$28,221	$85,097	$15,666,348
12	142	$113,318	$28,069	$85,249	$15,581,099
12	143	$113,318	$27,916	$85,402	$15,495,697
12	144	$113,318	$27,763	$85,555	$15,410,143
13	145	$113,318	$27,610	$85,708	$15,324,434
13	146	$113,318	$27,456	$85,862	$15,238,573
13	147	$113,318	$27,302	$86,016	$15,152,557
13	148	$113,318	$27,148	$86,170	$15,066,387
13	149	$113,318	$26,994	$86,324	$14,980,063
13	150	$113,318	$26,839	$86,479	$14,893,585
13	151	$113,318	$26,684	$86,634	$14,806,951
13	152	$113,318	$26,529	$86,789	$14,720,162
13	153	$113,318	$26,374	$86,944	$14,633,218
13	154	$113,318	$26,218	$87,100	$14,546,117
13	155	$113,318	$26,062	$87,256	$14,458,861
13	156	$113,318	$25,905	$87,413	$14,371,449
14	157	$113,318	$25,749	$87,569	$14,283,879
14	158	$113,318	$25,592	$87,726	$14,196,153
14	159	$113,318	$25,435	$87,883	$14,108,270
14	160	$113,318	$25,277	$88,041	$14,020,229
14	161	$113,318	$25,120	$88,198	$13,932,031
14	162	$113,318	$24,962	$88,356	$13,843,674
14	163	$113,318	$24,803	$88,515	$13,755,160
14	164	$113,318	$24,645	$88,673	$13,666,486
14	165	$113,318	$24,486	$88,832	$13,577,654
14	166	$113,318	$24,327	$88,991	$13,488,663
14	167	$113,318	$24,167	$89,151	$13,399,512
14	168	$113,318	$24,007	$89,311	$13,310,201
15	169	$113,318	$23,847	$89,471	$13,220,731
15	170	$113,318	$23,687	$89,631	$13,131,100
15	171	$113,318	$23,527	$89,791	$13,041,308
15	172	$113,318	$23,366	$89,952	$12,951,356
15	173	$113,318	$23,205	$90,114	$12,861,243
15	174	$113,318	$23,043	$90,275	$12,770,968
15	175	$113,318	$22,881	$90,437	$12,680,531
15	176	$113,318	$22,719	$90,599	$12,589,932
15	177	$113,318	$22,557	$90,761	$12,499,171
15	178	$113,318	$22,394	$90,924	$12,408,247
15	179	$113,318	$22,231	$91,087	$12,317,161
15	180	$113,318	$22,068	$91,250	$12,225,911
16	181	$113,318	$21,905	$91,413	$12,134,498
16	182	$113,318	$21,741	$91,577	$12,042,921
16	183	$113,318	$21,577	$91,741	$11,951,180
16	184	$113,318	$21,413	$91,905	$11,859,274
16	185	$113,318	$21,248	$92,070	$11,767,204
16	186	$113,318	$21,083	$92,235	$11,674,969
16	187	$113,318	$20,918	$92,400	$11,582,569
16	188	$113,318	$20,752	$92,566	$11,490,003
16	189	$113,318	$20,586	$92,732	$11,397,271
16	190	$113,318	$20,420	$92,898	$11,304,373
16	191	$113,318	$20,254	$93,064	$11,211,309
16	192	$113,318	$20,087	$93,231	$11,118,077
17	193	$113,318	$19,920	$93,398	$11,024,679
17	194	$113,318	$19,753	$93,565	$10,931,114
17	195	$113,318	$19,585	$93,733	$10,837,381
17	196	$113,318	$19,417	$93,901	$10,743,480
17	197	$113,318	$19,249	$94,069	$10,649,410
17	198	$113,318	$19,080	$94,238	$10,555,173
17	199	$113,318	$18,911	$94,407	$10,460,766
17	200	$113,318	$18,742	$94,576	$10,366,190
17	201	$113,318	$18,573	$94,745	$10,271,445
17	202	$113,318	$18,403	$94,915	$10,176,530
17	203	$113,318	$18,233	$95,085	$10,081,445
17	204	$113,318	$18,063	$95,255	$9,986,189
18	205	$113,318	$17,892	$95,426	$9,890,763
18	206	$113,318	$17,721	$95,597	$9,795,166
18	207	$113,318	$17,550	$95,768	$9,699,398
18	208	$113,318	$17,378	$95,940	$9,603,458
18	209	$113,318	$17,206	$96,112	$9,507,346
18	210	$113,318	$17,034	$96,284	$9,411,062
18	211	$113,318	$16,861	$96,457	$9,314,605
18	212	$113,318	$16,689	$96,629	$9,217,976
18	213	$113,318	$16,516	$96,802	$9,121,174
18	214	$113,318	$16,342	$96,976	$9,024,198
18	215	$113,318	$16,168	$97,150	$8,927,048
18	216	$113,318	$15,994	$97,324	$8,829,724
19	217	$113,318	$15,820	$97,498	$8,732,226
19	218	$113,318	$15,645	$97,673	$8,634,553
19	219	$113,318	$15,470	$97,848	$8,536,706
19	220	$113,318	$15,295	$98,023	$8,438,683
19	221	$113,318	$15,119	$98,199	$8,340,484
19	222	$113,318	$14,943	$98,375	$8,242,109
19	223	$113,318	$14,767	$98,551	$8,143,558
19	224	$113,318	$14,591	$98,727	$8,044,831
19	225	$113,318	$14,414	$98,904	$7,945,926
19	226	$113,318	$14,236	$99,082	$7,846,845
19	227	$113,318	$14,059	$99,259	$7,747,586
19	228	$113,318	$13,881	$99,437	$7,648,149
20	229	$113,318	$13,703	$99,615	$7,548,534
20	230	$113,318	$13,524	$99,794	$7,448,740
20	231	$113,318	$13,346	$99,972	$7,348,768
20	232	$113,318	$13,167	$100,151	$7,248,616
20	233	$113,318	$12,987	$100,331	$7,148,285
20	234	$113,318	$12,807	$100,511	$7,047,775
20	235	$113,318	$12,627	$100,691	$6,947,084
20	236	$113,318	$12,447	$100,871	$6,846,213
20	237	$113,318	$12,266	$101,052	$6,745,161
20	238	$113,318	$12,085	$101,233	$6,643,928
20	239	$113,318	$11,904	$101,414	$6,542,514
20	240	$113,318	$11,722	$101,596	$6,440,918
21	241	$113,318	$11,540	$101,778	$6,339,140
21	242	$113,318	$11,358	$101,960	$6,237,179
21	243	$113,318	$11,175	$102,143	$6,135,036
21	244	$113,318	$10,992	$102,326	$6,032,710
21	245	$113,318	$10,809	$102,509	$5,930,201
21	246	$113,318	$10,625	$102,693	$5,827,508
21	247	$113,318	$10,441	$102,877	$5,724,631
21	248	$113,318	$10,257	$103,061	$5,621,569
21	249	$113,318	$10,072	$103,246	$5,518,323
21	250	$113,318	$9,887	$103,431	$5,414,892
21	251	$113,318	$9,702	$103,616	$5,311,276
21	252	$113,318	$9,516	$103,802	$5,207,474
22	253	$113,318	$9,330	$103,988	$5,103,486
22	254	$113,318	$9,144	$104,174	$4,999,312
22	255	$113,318	$8,957	$104,361	$4,894,951
22	256	$113,318	$8,770	$104,548	$4,790,403
22	257	$113,318	$8,583	$104,735	$4,685,667
22	258	$113,318	$8,395	$104,923	$4,580,745
22	259	$113,318	$8,207	$105,111	$4,475,634
22	260	$113,318	$8,019	$105,299	$4,370,335
22	261	$113,318	$7,830	$105,488	$4,264,847
22	262	$113,318	$7,641	$105,677	$4,159,170
22	263	$113,318	$7,452	$105,866	$4,053,304
22	264	$113,318	$7,262	$106,056	$3,947,248
23	265	$113,318	$7,072	$106,246	$3,841,002
23	266	$113,318	$6,882	$106,436	$3,734,566
23	267	$113,318	$6,691	$106,627	$3,627,939
23	268	$113,318	$6,500	$106,818	$3,521,121
23	269	$113,318	$6,309	$107,009	$3,414,112
23	270	$113,318	$6,117	$107,201	$3,306,910
23	271	$113,318	$5,925	$107,393	$3,199,517
23	272	$113,318	$5,732	$107,586	$3,091,932
23	273	$113,318	$5,540	$107,778	$2,984,153
23	274	$113,318	$5,347	$107,971	$2,876,182
23	275	$113,318	$5,153	$108,165	$2,768,017
23	276	$113,318	$4,959	$108,359	$2,659,659
24	277	$113,318	$4,765	$108,553	$2,551,106
24	278	$113,318	$4,571	$108,747	$2,442,358
24	279	$113,318	$4,376	$108,942	$2,333,416
24	280	$113,318	$4,181	$109,137	$2,224,279
24	281	$113,318	$3,985	$109,333	$2,114,946
24	282	$113,318	$3,789	$109,529	$2,005,417
24	283	$113,318	$3,593	$109,725	$1,895,692
24	284	$113,318	$3,396	$109,922	$1,785,771
24	285	$113,318	$3,200	$110,119	$1,675,652
24	286	$113,318	$3,002	$110,316	$1,565,337
24	287	$113,318	$2,805	$110,513	$1,454,823
24	288	$113,318	$2,607	$110,711	$1,344,112
25	289	$113,318	$2,408	$110,910	$1,233,202
25	290	$113,318	$2,209	$111,109	$1,122,093
25	291	$113,318	$2,010	$111,308	$1,010,786
25	292	$113,318	$1,811	$111,507	$899,279
25	293	$113,318	$1,611	$111,707	$787,572
25	294	$113,318	$1,411	$111,907	$675,665
25	295	$113,318	$1,211	$112,107	$563,557
25	296	$113,318	$1,010	$112,308	$451,249
25	297	$113,318	$808	$112,510	$338,740
25	298	$113,318	$607	$112,711	$226,028
25	299	$113,318	$405	$112,913	$113,115
25	300	$113,318	$203	$113,115	$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$ 17,520,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,958,000

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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.