Century 21 Centaland Property

Down Payment (HKD)

$16,320,000

Monthly Repayment (HKD)

$105,557

Loan Amount (HKD)

$24,480,000

Total Interest (HKD)

$7,186,954

Total Repayment (HKD)

$31,666,954

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$105,557	$43,860	$61,697	$24,418,303
1	2	$105,557	$43,749	$61,807	$24,356,496
1	3	$105,557	$43,639	$61,918	$24,294,579
1	4	$105,557	$43,528	$62,029	$24,232,550
1	5	$105,557	$43,417	$62,140	$24,170,410
1	6	$105,557	$43,305	$62,251	$24,108,159
1	7	$105,557	$43,194	$62,363	$24,045,796
1	8	$105,557	$43,082	$62,474	$23,983,322
1	9	$105,557	$42,970	$62,586	$23,920,735
1	10	$105,557	$42,858	$62,699	$23,858,037
1	11	$105,557	$42,746	$62,811	$23,795,226
1	12	$105,557	$42,633	$62,923	$23,732,302
2	13	$105,557	$42,520	$63,036	$23,669,266
2	14	$105,557	$42,407	$63,149	$23,606,117
2	15	$105,557	$42,294	$63,262	$23,542,855
2	16	$105,557	$42,181	$63,376	$23,479,479
2	17	$105,557	$42,067	$63,489	$23,415,990
2	18	$105,557	$41,954	$63,603	$23,352,388
2	19	$105,557	$41,840	$63,717	$23,288,671
2	20	$105,557	$41,726	$63,831	$23,224,840
2	21	$105,557	$41,611	$63,945	$23,160,894
2	22	$105,557	$41,497	$64,060	$23,096,834
2	23	$105,557	$41,382	$64,175	$23,032,660
2	24	$105,557	$41,267	$64,290	$22,968,370
3	25	$105,557	$41,152	$64,405	$22,903,965
3	26	$105,557	$41,036	$64,520	$22,839,445
3	27	$105,557	$40,921	$64,636	$22,774,809
3	28	$105,557	$40,805	$64,752	$22,710,058
3	29	$105,557	$40,689	$64,868	$22,645,190
3	30	$105,557	$40,573	$64,984	$22,580,206
3	31	$105,557	$40,456	$65,100	$22,515,106
3	32	$105,557	$40,340	$65,217	$22,449,889
3	33	$105,557	$40,223	$65,334	$22,384,555
3	34	$105,557	$40,106	$65,451	$22,319,104
3	35	$105,557	$39,988	$65,568	$22,253,536
3	36	$105,557	$39,871	$65,686	$22,187,850
4	37	$105,557	$39,753	$65,803	$22,122,047
4	38	$105,557	$39,635	$65,921	$22,056,126
4	39	$105,557	$39,517	$66,039	$21,990,087
4	40	$105,557	$39,399	$66,158	$21,923,929
4	41	$105,557	$39,280	$66,276	$21,857,653
4	42	$105,557	$39,162	$66,395	$21,791,258
4	43	$105,557	$39,043	$66,514	$21,724,744
4	44	$105,557	$38,923	$66,633	$21,658,111
4	45	$105,557	$38,804	$66,752	$21,591,359
4	46	$105,557	$38,685	$66,872	$21,524,487
4	47	$105,557	$38,565	$66,992	$21,457,495
4	48	$105,557	$38,445	$67,112	$21,390,383
5	49	$105,557	$38,324	$67,232	$21,323,151
5	50	$105,557	$38,204	$67,353	$21,255,798
5	51	$105,557	$38,083	$67,473	$21,188,325
5	52	$105,557	$37,962	$67,594	$21,120,731
5	53	$105,557	$37,841	$67,715	$21,053,016
5	54	$105,557	$37,720	$67,837	$20,985,179
5	55	$105,557	$37,598	$67,958	$20,917,221
5	56	$105,557	$37,477	$68,080	$20,849,142
5	57	$105,557	$37,355	$68,202	$20,780,940
5	58	$105,557	$37,233	$68,324	$20,712,616
5	59	$105,557	$37,110	$68,446	$20,644,169
5	60	$105,557	$36,987	$68,569	$20,575,600
6	61	$105,557	$36,865	$68,692	$20,506,908
6	62	$105,557	$36,742	$68,815	$20,438,093
6	63	$105,557	$36,618	$68,938	$20,369,155
6	64	$105,557	$36,495	$69,062	$20,300,093
6	65	$105,557	$36,371	$69,186	$20,230,908
6	66	$105,557	$36,247	$69,309	$20,161,598
6	67	$105,557	$36,123	$69,434	$20,092,165
6	68	$105,557	$35,998	$69,558	$20,022,607
6	69	$105,557	$35,874	$69,683	$19,952,924
6	70	$105,557	$35,749	$69,808	$19,883,117
6	71	$105,557	$35,624	$69,933	$19,813,184
6	72	$105,557	$35,499	$70,058	$19,743,126
7	73	$105,557	$35,373	$70,183	$19,672,943
7	74	$105,557	$35,247	$70,309	$19,602,633
7	75	$105,557	$35,121	$70,435	$19,532,198
7	76	$105,557	$34,995	$70,561	$19,461,637
7	77	$105,557	$34,869	$70,688	$19,390,949
7	78	$105,557	$34,742	$70,814	$19,320,135
7	79	$105,557	$34,615	$70,941	$19,249,194
7	80	$105,557	$34,488	$71,068	$19,178,125
7	81	$105,557	$34,361	$71,196	$19,106,930
7	82	$105,557	$34,233	$71,323	$19,035,606
7	83	$105,557	$34,105	$71,451	$18,964,155
7	84	$105,557	$33,977	$71,579	$18,892,576
8	85	$105,557	$33,849	$71,707	$18,820,869
8	86	$105,557	$33,721	$71,836	$18,749,033
8	87	$105,557	$33,592	$71,964	$18,677,069
8	88	$105,557	$33,463	$72,093	$18,604,975
8	89	$105,557	$33,334	$72,223	$18,532,753
8	90	$105,557	$33,205	$72,352	$18,460,401
8	91	$105,557	$33,075	$72,482	$18,387,919
8	92	$105,557	$32,945	$72,611	$18,315,307
8	93	$105,557	$32,815	$72,742	$18,242,566
8	94	$105,557	$32,685	$72,872	$18,169,694
8	95	$105,557	$32,554	$73,002	$18,096,691
8	96	$105,557	$32,423	$73,133	$18,023,558
9	97	$105,557	$32,292	$73,264	$17,950,294
9	98	$105,557	$32,161	$73,396	$17,876,898
9	99	$105,557	$32,029	$73,527	$17,803,371
9	100	$105,557	$31,898	$73,659	$17,729,712
9	101	$105,557	$31,766	$73,791	$17,655,922
9	102	$105,557	$31,634	$73,923	$17,581,999
9	103	$105,557	$31,501	$74,055	$17,507,943
9	104	$105,557	$31,368	$74,188	$17,433,755
9	105	$105,557	$31,235	$74,321	$17,359,434
9	106	$105,557	$31,102	$74,454	$17,284,980
9	107	$105,557	$30,969	$74,588	$17,210,392
9	108	$105,557	$30,835	$74,721	$17,135,671
10	109	$105,557	$30,701	$74,855	$17,060,816
10	110	$105,557	$30,567	$74,989	$16,985,827
10	111	$105,557	$30,433	$75,124	$16,910,703
10	112	$105,557	$30,298	$75,258	$16,835,445
10	113	$105,557	$30,164	$75,393	$16,760,052
10	114	$105,557	$30,028	$75,528	$16,684,524
10	115	$105,557	$29,893	$75,663	$16,608,860
10	116	$105,557	$29,758	$75,799	$16,533,061
10	117	$105,557	$29,622	$75,935	$16,457,127
10	118	$105,557	$29,486	$76,071	$16,381,056
10	119	$105,557	$29,349	$76,207	$16,304,849
10	120	$105,557	$29,213	$76,344	$16,228,505
11	121	$105,557	$29,076	$76,480	$16,152,025
11	122	$105,557	$28,939	$76,617	$16,075,407
11	123	$105,557	$28,802	$76,755	$15,998,652
11	124	$105,557	$28,664	$76,892	$15,921,760
11	125	$105,557	$28,526	$77,030	$15,844,730
11	126	$105,557	$28,388	$77,168	$15,767,562
11	127	$105,557	$28,250	$77,306	$15,690,256
11	128	$105,557	$28,112	$77,445	$15,612,811
11	129	$105,557	$27,973	$77,584	$15,535,227
11	130	$105,557	$27,834	$77,723	$15,457,505
11	131	$105,557	$27,695	$77,862	$15,379,643
11	132	$105,557	$27,555	$78,001	$15,301,642
12	133	$105,557	$27,415	$78,141	$15,223,501
12	134	$105,557	$27,275	$78,281	$15,145,220
12	135	$105,557	$27,135	$78,421	$15,066,798
12	136	$105,557	$26,995	$78,562	$14,988,236
12	137	$105,557	$26,854	$78,703	$14,909,534
12	138	$105,557	$26,713	$78,844	$14,830,690
12	139	$105,557	$26,572	$78,985	$14,751,705
12	140	$105,557	$26,430	$79,126	$14,672,579
12	141	$105,557	$26,288	$79,268	$14,593,311
12	142	$105,557	$26,146	$79,410	$14,513,901
12	143	$105,557	$26,004	$79,552	$14,434,348
12	144	$105,557	$25,862	$79,695	$14,354,653
13	145	$105,557	$25,719	$79,838	$14,274,816
13	146	$105,557	$25,576	$79,981	$14,194,835
13	147	$105,557	$25,432	$80,124	$14,114,711
13	148	$105,557	$25,289	$80,268	$14,034,443
13	149	$105,557	$25,145	$80,411	$13,954,032
13	150	$105,557	$25,001	$80,556	$13,873,476
13	151	$105,557	$24,857	$80,700	$13,792,776
13	152	$105,557	$24,712	$80,844	$13,711,932
13	153	$105,557	$24,567	$80,989	$13,630,942
13	154	$105,557	$24,422	$81,134	$13,549,808
13	155	$105,557	$24,277	$81,280	$13,468,528
13	156	$105,557	$24,131	$81,425	$13,387,103
14	157	$105,557	$23,985	$81,571	$13,305,532
14	158	$105,557	$23,839	$81,717	$13,223,814
14	159	$105,557	$23,693	$81,864	$13,141,950
14	160	$105,557	$23,546	$82,011	$13,059,940
14	161	$105,557	$23,399	$82,157	$12,977,782
14	162	$105,557	$23,252	$82,305	$12,895,478
14	163	$105,557	$23,104	$82,452	$12,813,025
14	164	$105,557	$22,957	$82,600	$12,730,426
14	165	$105,557	$22,809	$82,748	$12,647,678
14	166	$105,557	$22,660	$82,896	$12,564,782
14	167	$105,557	$22,512	$83,045	$12,481,737
14	168	$105,557	$22,363	$83,193	$12,398,544
15	169	$105,557	$22,214	$83,342	$12,315,201
15	170	$105,557	$22,065	$83,492	$12,231,709
15	171	$105,557	$21,915	$83,641	$12,148,068
15	172	$105,557	$21,765	$83,791	$12,064,277
15	173	$105,557	$21,615	$83,941	$11,980,336
15	174	$105,557	$21,465	$84,092	$11,896,244
15	175	$105,557	$21,314	$84,242	$11,812,001
15	176	$105,557	$21,163	$84,393	$11,727,608
15	177	$105,557	$21,012	$84,545	$11,643,063
15	178	$105,557	$20,860	$84,696	$11,558,367
15	179	$105,557	$20,709	$84,848	$11,473,520
15	180	$105,557	$20,557	$85,000	$11,388,520
16	181	$105,557	$20,404	$85,152	$11,303,368
16	182	$105,557	$20,252	$85,305	$11,218,063
16	183	$105,557	$20,099	$85,457	$11,132,606
16	184	$105,557	$19,946	$85,611	$11,046,995
16	185	$105,557	$19,793	$85,764	$10,961,231
16	186	$105,557	$19,639	$85,918	$10,875,313
16	187	$105,557	$19,485	$86,072	$10,789,242
16	188	$105,557	$19,331	$86,226	$10,703,016
16	189	$105,557	$19,176	$86,380	$10,616,636
16	190	$105,557	$19,021	$86,535	$10,530,101
16	191	$105,557	$18,866	$86,690	$10,443,411
16	192	$105,557	$18,711	$86,845	$10,356,565
17	193	$105,557	$18,556	$87,001	$10,269,564
17	194	$105,557	$18,400	$87,157	$10,182,407
17	195	$105,557	$18,243	$87,313	$10,095,094
17	196	$105,557	$18,087	$87,469	$10,007,625
17	197	$105,557	$17,930	$87,626	$9,919,999
17	198	$105,557	$17,773	$87,783	$9,832,216
17	199	$105,557	$17,616	$87,940	$9,744,275
17	200	$105,557	$17,458	$88,098	$9,656,177
17	201	$105,557	$17,301	$88,256	$9,567,921
17	202	$105,557	$17,143	$88,414	$9,479,507
17	203	$105,557	$16,984	$88,572	$9,390,935
17	204	$105,557	$16,825	$88,731	$9,302,204
18	205	$105,557	$16,666	$88,890	$9,213,314
18	206	$105,557	$16,507	$89,049	$9,124,264
18	207	$105,557	$16,348	$89,209	$9,035,055
18	208	$105,557	$16,188	$89,369	$8,945,687
18	209	$105,557	$16,028	$89,529	$8,856,158
18	210	$105,557	$15,867	$89,689	$8,766,469
18	211	$105,557	$15,707	$89,850	$8,676,619
18	212	$105,557	$15,546	$90,011	$8,586,608
18	213	$105,557	$15,384	$90,172	$8,496,436
18	214	$105,557	$15,223	$90,334	$8,406,102
18	215	$105,557	$15,061	$90,496	$8,315,606
18	216	$105,557	$14,899	$90,658	$8,224,949
19	217	$105,557	$14,736	$90,820	$8,134,129
19	218	$105,557	$14,574	$90,983	$8,043,146
19	219	$105,557	$14,411	$91,146	$7,952,000
19	220	$105,557	$14,247	$91,309	$7,860,691
19	221	$105,557	$14,084	$91,473	$7,769,218
19	222	$105,557	$13,920	$91,637	$7,677,581
19	223	$105,557	$13,756	$91,801	$7,585,780
19	224	$105,557	$13,591	$91,965	$7,493,815
19	225	$105,557	$13,426	$92,130	$7,401,685
19	226	$105,557	$13,261	$92,295	$7,309,390
19	227	$105,557	$13,096	$92,461	$7,216,929
19	228	$105,557	$12,930	$92,626	$7,124,303
20	229	$105,557	$12,764	$92,792	$7,031,511
20	230	$105,557	$12,598	$92,958	$6,938,553
20	231	$105,557	$12,432	$93,125	$6,845,428
20	232	$105,557	$12,265	$93,292	$6,752,136
20	233	$105,557	$12,098	$93,459	$6,658,677
20	234	$105,557	$11,930	$93,626	$6,565,050
20	235	$105,557	$11,762	$93,794	$6,471,256
20	236	$105,557	$11,594	$93,962	$6,377,294
20	237	$105,557	$11,426	$94,131	$6,283,164
20	238	$105,557	$11,257	$94,299	$6,188,864
20	239	$105,557	$11,088	$94,468	$6,094,396
20	240	$105,557	$10,919	$94,637	$5,999,759
21	241	$105,557	$10,750	$94,807	$5,904,952
21	242	$105,557	$10,580	$94,977	$5,809,975
21	243	$105,557	$10,410	$95,147	$5,714,828
21	244	$105,557	$10,239	$95,317	$5,619,511
21	245	$105,557	$10,068	$95,488	$5,524,023
21	246	$105,557	$9,897	$95,659	$5,428,363
21	247	$105,557	$9,726	$95,831	$5,332,533
21	248	$105,557	$9,554	$96,002	$5,236,530
21	249	$105,557	$9,382	$96,174	$5,140,356
21	250	$105,557	$9,210	$96,347	$5,044,009
21	251	$105,557	$9,037	$96,519	$4,947,490
21	252	$105,557	$8,864	$96,692	$4,850,797
22	253	$105,557	$8,691	$96,866	$4,753,932
22	254	$105,557	$8,517	$97,039	$4,656,893
22	255	$105,557	$8,344	$97,213	$4,559,680
22	256	$105,557	$8,169	$97,387	$4,462,293
22	257	$105,557	$7,995	$97,562	$4,364,731
22	258	$105,557	$7,820	$97,736	$4,266,995
22	259	$105,557	$7,645	$97,911	$4,169,083
22	260	$105,557	$7,470	$98,087	$4,070,997
22	261	$105,557	$7,294	$98,263	$3,972,734
22	262	$105,557	$7,118	$98,439	$3,874,295
22	263	$105,557	$6,941	$98,615	$3,775,680
22	264	$105,557	$6,765	$98,792	$3,676,888
23	265	$105,557	$6,588	$98,969	$3,577,920
23	266	$105,557	$6,410	$99,146	$3,478,774
23	267	$105,557	$6,233	$99,324	$3,379,450
23	268	$105,557	$6,055	$99,502	$3,279,948
23	269	$105,557	$5,877	$99,680	$3,180,268
23	270	$105,557	$5,698	$99,859	$3,080,410
23	271	$105,557	$5,519	$100,037	$2,980,372
23	272	$105,557	$5,340	$100,217	$2,880,156
23	273	$105,557	$5,160	$100,396	$2,779,759
23	274	$105,557	$4,980	$100,576	$2,679,183
23	275	$105,557	$4,800	$100,756	$2,578,427
23	276	$105,557	$4,620	$100,937	$2,477,490
24	277	$105,557	$4,439	$101,118	$2,376,372
24	278	$105,557	$4,258	$101,299	$2,275,074
24	279	$105,557	$4,076	$101,480	$2,173,593
24	280	$105,557	$3,894	$101,662	$2,071,931
24	281	$105,557	$3,712	$101,844	$1,970,087
24	282	$105,557	$3,530	$102,027	$1,868,060
24	283	$105,557	$3,347	$102,210	$1,765,850
24	284	$105,557	$3,164	$102,393	$1,663,458
24	285	$105,557	$2,980	$102,576	$1,560,882
24	286	$105,557	$2,797	$102,760	$1,458,122
24	287	$105,557	$2,612	$102,944	$1,355,178
24	288	$105,557	$2,428	$103,128	$1,252,049
25	289	$105,557	$2,243	$103,313	$1,148,736
25	290	$105,557	$2,058	$103,498	$1,045,238
25	291	$105,557	$1,873	$103,684	$941,554
25	292	$105,557	$1,687	$103,870	$837,684
25	293	$105,557	$1,501	$104,056	$733,629
25	294	$105,557	$1,314	$104,242	$629,386
25	295	$105,557	$1,128	$104,429	$524,958
25	296	$105,557	$941	$104,616	$420,342
25	297	$105,557	$753	$104,803	$315,538
25	298	$105,557	$565	$104,991	$210,547
25	299	$105,557	$377	$105,179	$105,368
25	300	$105,557	$189	$105,368	$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$ 16,320,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 16,728,000

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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.