Century 21 Centaland Property

Down Payment (HKD)

$9,920,000

Monthly Repayment (HKD)

$64,162

Loan Amount (HKD)

$14,880,000

Total Interest (HKD)

$4,368,541

Total Repayment (HKD)

$19,248,541

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$64,162	$26,660	$37,502	$14,842,498
1	2	$64,162	$26,593	$37,569	$14,804,929
1	3	$64,162	$26,525	$37,636	$14,767,293
1	4	$64,162	$26,458	$37,704	$14,729,589
1	5	$64,162	$26,391	$37,771	$14,691,818
1	6	$64,162	$26,323	$37,839	$14,653,979
1	7	$64,162	$26,255	$37,907	$14,616,072
1	8	$64,162	$26,187	$37,975	$14,578,097
1	9	$64,162	$26,119	$38,043	$14,540,055
1	10	$64,162	$26,051	$38,111	$14,501,944
1	11	$64,162	$25,983	$38,179	$14,463,765
1	12	$64,162	$25,914	$38,248	$14,425,517
2	13	$64,162	$25,846	$38,316	$14,387,201
2	14	$64,162	$25,777	$38,385	$14,348,816
2	15	$64,162	$25,708	$38,454	$14,310,363
2	16	$64,162	$25,639	$38,522	$14,271,840
2	17	$64,162	$25,570	$38,591	$14,233,249
2	18	$64,162	$25,501	$38,661	$14,194,588
2	19	$64,162	$25,432	$38,730	$14,155,859
2	20	$64,162	$25,363	$38,799	$14,117,059
2	21	$64,162	$25,293	$38,869	$14,078,191
2	22	$64,162	$25,223	$38,938	$14,039,252
2	23	$64,162	$25,154	$39,008	$14,000,244
2	24	$64,162	$25,084	$39,078	$13,961,166
3	25	$64,162	$25,014	$39,148	$13,922,018
3	26	$64,162	$24,944	$39,218	$13,882,800
3	27	$64,162	$24,873	$39,288	$13,843,511
3	28	$64,162	$24,803	$39,359	$13,804,153
3	29	$64,162	$24,732	$39,429	$13,764,723
3	30	$64,162	$24,662	$39,500	$13,725,223
3	31	$64,162	$24,591	$39,571	$13,685,652
3	32	$64,162	$24,520	$39,642	$13,646,011
3	33	$64,162	$24,449	$39,713	$13,606,298
3	34	$64,162	$24,378	$39,784	$13,566,514
3	35	$64,162	$24,307	$39,855	$13,526,659
3	36	$64,162	$24,235	$39,927	$13,486,733
4	37	$64,162	$24,164	$39,998	$13,446,735
4	38	$64,162	$24,092	$40,070	$13,406,665
4	39	$64,162	$24,020	$40,142	$13,366,523
4	40	$64,162	$23,948	$40,213	$13,326,310
4	41	$64,162	$23,876	$40,285	$13,286,024
4	42	$64,162	$23,804	$40,358	$13,245,667
4	43	$64,162	$23,732	$40,430	$13,205,237
4	44	$64,162	$23,659	$40,502	$13,164,734
4	45	$64,162	$23,587	$40,575	$13,124,159
4	46	$64,162	$23,514	$40,648	$13,083,512
4	47	$64,162	$23,441	$40,721	$13,042,791
4	48	$64,162	$23,368	$40,793	$13,001,998
5	49	$64,162	$23,295	$40,867	$12,961,131
5	50	$64,162	$23,222	$40,940	$12,920,191
5	51	$64,162	$23,149	$41,013	$12,879,178
5	52	$64,162	$23,075	$41,087	$12,838,092
5	53	$64,162	$23,002	$41,160	$12,796,931
5	54	$64,162	$22,928	$41,234	$12,755,697
5	55	$64,162	$22,854	$41,308	$12,714,389
5	56	$64,162	$22,780	$41,382	$12,673,008
5	57	$64,162	$22,706	$41,456	$12,631,552
5	58	$64,162	$22,632	$41,530	$12,590,021
5	59	$64,162	$22,557	$41,605	$12,548,417
5	60	$64,162	$22,483	$41,679	$12,506,737
6	61	$64,162	$22,408	$41,754	$12,464,984
6	62	$64,162	$22,333	$41,829	$12,423,155
6	63	$64,162	$22,258	$41,904	$12,381,251
6	64	$64,162	$22,183	$41,979	$12,339,272
6	65	$64,162	$22,108	$42,054	$12,297,219
6	66	$64,162	$22,033	$42,129	$12,255,089
6	67	$64,162	$21,957	$42,205	$12,212,884
6	68	$64,162	$21,881	$42,280	$12,170,604
6	69	$64,162	$21,806	$42,356	$12,128,248
6	70	$64,162	$21,730	$42,432	$12,085,816
6	71	$64,162	$21,654	$42,508	$12,043,308
6	72	$64,162	$21,578	$42,584	$12,000,724
7	73	$64,162	$21,501	$42,661	$11,958,063
7	74	$64,162	$21,425	$42,737	$11,915,326
7	75	$64,162	$21,348	$42,814	$11,872,513
7	76	$64,162	$21,272	$42,890	$11,829,623
7	77	$64,162	$21,195	$42,967	$11,786,655
7	78	$64,162	$21,118	$43,044	$11,743,611
7	79	$64,162	$21,041	$43,121	$11,700,490
7	80	$64,162	$20,963	$43,198	$11,657,292
7	81	$64,162	$20,886	$43,276	$11,614,016
7	82	$64,162	$20,808	$43,353	$11,570,663
7	83	$64,162	$20,731	$43,431	$11,527,232
7	84	$64,162	$20,653	$43,509	$11,483,723
8	85	$64,162	$20,575	$43,587	$11,440,136
8	86	$64,162	$20,497	$43,665	$11,396,471
8	87	$64,162	$20,419	$43,743	$11,352,728
8	88	$64,162	$20,340	$43,821	$11,308,906
8	89	$64,162	$20,262	$43,900	$11,265,006
8	90	$64,162	$20,183	$43,979	$11,221,028
8	91	$64,162	$20,104	$44,057	$11,176,970
8	92	$64,162	$20,025	$44,136	$11,132,834
8	93	$64,162	$19,946	$44,215	$11,088,618
8	94	$64,162	$19,867	$44,295	$11,044,324
8	95	$64,162	$19,788	$44,374	$10,999,950
8	96	$64,162	$19,708	$44,454	$10,955,496
9	97	$64,162	$19,629	$44,533	$10,910,963
9	98	$64,162	$19,549	$44,613	$10,866,350
9	99	$64,162	$19,469	$44,693	$10,821,657
9	100	$64,162	$19,389	$44,773	$10,776,884
9	101	$64,162	$19,309	$44,853	$10,732,031
9	102	$64,162	$19,228	$44,934	$10,687,097
9	103	$64,162	$19,148	$45,014	$10,642,083
9	104	$64,162	$19,067	$45,095	$10,596,988
9	105	$64,162	$18,986	$45,176	$10,551,813
9	106	$64,162	$18,905	$45,256	$10,506,556
9	107	$64,162	$18,824	$45,338	$10,461,219
9	108	$64,162	$18,743	$45,419	$10,415,800
10	109	$64,162	$18,662	$45,500	$10,370,300
10	110	$64,162	$18,580	$45,582	$10,324,718
10	111	$64,162	$18,498	$45,663	$10,279,055
10	112	$64,162	$18,417	$45,745	$10,233,310
10	113	$64,162	$18,335	$45,827	$10,187,483
10	114	$64,162	$18,253	$45,909	$10,141,573
10	115	$64,162	$18,170	$45,991	$10,095,582
10	116	$64,162	$18,088	$46,074	$10,049,508
10	117	$64,162	$18,005	$46,156	$10,003,352
10	118	$64,162	$17,923	$46,239	$9,957,112
10	119	$64,162	$17,840	$46,322	$9,910,790
10	120	$64,162	$17,757	$46,405	$9,864,385
11	121	$64,162	$17,674	$46,488	$9,817,897
11	122	$64,162	$17,590	$46,571	$9,771,326
11	123	$64,162	$17,507	$46,655	$9,724,671
11	124	$64,162	$17,423	$46,738	$9,677,933
11	125	$64,162	$17,340	$46,822	$9,631,110
11	126	$64,162	$17,256	$46,906	$9,584,204
11	127	$64,162	$17,172	$46,990	$9,537,214
11	128	$64,162	$17,088	$47,074	$9,490,140
11	129	$64,162	$17,003	$47,159	$9,442,981
11	130	$64,162	$16,919	$47,243	$9,395,738
11	131	$64,162	$16,834	$47,328	$9,348,411
11	132	$64,162	$16,749	$47,413	$9,300,998
12	133	$64,162	$16,664	$47,498	$9,253,500
12	134	$64,162	$16,579	$47,583	$9,205,918
12	135	$64,162	$16,494	$47,668	$9,158,250
12	136	$64,162	$16,409	$47,753	$9,110,497
12	137	$64,162	$16,323	$47,839	$9,062,658
12	138	$64,162	$16,237	$47,925	$9,014,733
12	139	$64,162	$16,151	$48,010	$8,966,723
12	140	$64,162	$16,065	$48,096	$8,918,626
12	141	$64,162	$15,979	$48,183	$8,870,444
12	142	$64,162	$15,893	$48,269	$8,822,175
12	143	$64,162	$15,806	$48,355	$8,773,820
12	144	$64,162	$15,720	$48,442	$8,725,378
13	145	$64,162	$15,633	$48,529	$8,676,849
13	146	$64,162	$15,546	$48,616	$8,628,233
13	147	$64,162	$15,459	$48,703	$8,579,530
13	148	$64,162	$15,372	$48,790	$8,530,740
13	149	$64,162	$15,284	$48,878	$8,481,862
13	150	$64,162	$15,197	$48,965	$8,432,897
13	151	$64,162	$15,109	$49,053	$8,383,844
13	152	$64,162	$15,021	$49,141	$8,334,704
13	153	$64,162	$14,933	$49,229	$8,285,475
13	154	$64,162	$14,845	$49,317	$8,236,158
13	155	$64,162	$14,756	$49,405	$8,186,752
13	156	$64,162	$14,668	$49,494	$8,137,259
14	157	$64,162	$14,579	$49,583	$8,087,676
14	158	$64,162	$14,490	$49,671	$8,038,005
14	159	$64,162	$14,401	$49,760	$7,988,244
14	160	$64,162	$14,312	$49,850	$7,938,395
14	161	$64,162	$14,223	$49,939	$7,888,456
14	162	$64,162	$14,133	$50,028	$7,838,428
14	163	$64,162	$14,044	$50,118	$7,788,310
14	164	$64,162	$13,954	$50,208	$7,738,102
14	165	$64,162	$13,864	$50,298	$7,687,804
14	166	$64,162	$13,774	$50,388	$7,637,416
14	167	$64,162	$13,684	$50,478	$7,586,938
14	168	$64,162	$13,593	$50,569	$7,536,370
15	169	$64,162	$13,503	$50,659	$7,485,711
15	170	$64,162	$13,412	$50,750	$7,434,961
15	171	$64,162	$13,321	$50,841	$7,384,120
15	172	$64,162	$13,230	$50,932	$7,333,188
15	173	$64,162	$13,139	$51,023	$7,282,165
15	174	$64,162	$13,047	$51,115	$7,231,050
15	175	$64,162	$12,956	$51,206	$7,179,844
15	176	$64,162	$12,864	$51,298	$7,128,546
15	177	$64,162	$12,772	$51,390	$7,077,156
15	178	$64,162	$12,680	$51,482	$7,025,674
15	179	$64,162	$12,588	$51,574	$6,974,100
15	180	$64,162	$12,495	$51,667	$6,922,434
16	181	$64,162	$12,403	$51,759	$6,870,675
16	182	$64,162	$12,310	$51,852	$6,818,823
16	183	$64,162	$12,217	$51,945	$6,766,878
16	184	$64,162	$12,124	$52,038	$6,714,840
16	185	$64,162	$12,031	$52,131	$6,662,709
16	186	$64,162	$11,937	$52,224	$6,610,485
16	187	$64,162	$11,844	$52,318	$6,558,167
16	188	$64,162	$11,750	$52,412	$6,505,755
16	189	$64,162	$11,656	$52,506	$6,453,249
16	190	$64,162	$11,562	$52,600	$6,400,649
16	191	$64,162	$11,468	$52,694	$6,347,956
16	192	$64,162	$11,373	$52,788	$6,295,167
17	193	$64,162	$11,279	$52,883	$6,242,284
17	194	$64,162	$11,184	$52,978	$6,189,306
17	195	$64,162	$11,089	$53,073	$6,136,234
17	196	$64,162	$10,994	$53,168	$6,083,066
17	197	$64,162	$10,899	$53,263	$6,029,803
17	198	$64,162	$10,803	$53,358	$5,976,445
17	199	$64,162	$10,708	$53,454	$5,922,991
17	200	$64,162	$10,612	$53,550	$5,869,441
17	201	$64,162	$10,516	$53,646	$5,815,795
17	202	$64,162	$10,420	$53,742	$5,762,053
17	203	$64,162	$10,324	$53,838	$5,708,215
17	204	$64,162	$10,227	$53,935	$5,654,281
18	205	$64,162	$10,131	$54,031	$5,600,249
18	206	$64,162	$10,034	$54,128	$5,546,121
18	207	$64,162	$9,937	$54,225	$5,491,896
18	208	$64,162	$9,840	$54,322	$5,437,574
18	209	$64,162	$9,742	$54,419	$5,383,155
18	210	$64,162	$9,645	$54,517	$5,328,638
18	211	$64,162	$9,547	$54,615	$5,274,023
18	212	$64,162	$9,449	$54,713	$5,219,311
18	213	$64,162	$9,351	$54,811	$5,164,500
18	214	$64,162	$9,253	$54,909	$5,109,591
18	215	$64,162	$9,155	$55,007	$5,054,584
18	216	$64,162	$9,056	$55,106	$4,999,479
19	217	$64,162	$8,957	$55,204	$4,944,274
19	218	$64,162	$8,858	$55,303	$4,888,971
19	219	$64,162	$8,759	$55,402	$4,833,569
19	220	$64,162	$8,660	$55,502	$4,778,067
19	221	$64,162	$8,561	$55,601	$4,722,466
19	222	$64,162	$8,461	$55,701	$4,666,765
19	223	$64,162	$8,361	$55,801	$4,610,965
19	224	$64,162	$8,261	$55,900	$4,555,064
19	225	$64,162	$8,161	$56,001	$4,499,063
19	226	$64,162	$8,061	$56,101	$4,442,962
19	227	$64,162	$7,960	$56,201	$4,386,761
19	228	$64,162	$7,860	$56,302	$4,330,459
20	229	$64,162	$7,759	$56,403	$4,274,056
20	230	$64,162	$7,658	$56,504	$4,217,552
20	231	$64,162	$7,556	$56,605	$4,160,946
20	232	$64,162	$7,455	$56,707	$4,104,239
20	233	$64,162	$7,353	$56,808	$4,047,431
20	234	$64,162	$7,252	$56,910	$3,990,521
20	235	$64,162	$7,150	$57,012	$3,933,509
20	236	$64,162	$7,048	$57,114	$3,876,394
20	237	$64,162	$6,945	$57,217	$3,819,178
20	238	$64,162	$6,843	$57,319	$3,761,859
20	239	$64,162	$6,740	$57,422	$3,704,437
20	240	$64,162	$6,637	$57,525	$3,646,912
21	241	$64,162	$6,534	$57,628	$3,589,285
21	242	$64,162	$6,431	$57,731	$3,531,554
21	243	$64,162	$6,327	$57,834	$3,473,719
21	244	$64,162	$6,224	$57,938	$3,415,781
21	245	$64,162	$6,120	$58,042	$3,357,739
21	246	$64,162	$6,016	$58,146	$3,299,593
21	247	$64,162	$5,912	$58,250	$3,241,343
21	248	$64,162	$5,807	$58,354	$3,182,989
21	249	$64,162	$5,703	$58,459	$3,124,530
21	250	$64,162	$5,598	$58,564	$3,065,966
21	251	$64,162	$5,493	$58,669	$3,007,298
21	252	$64,162	$5,388	$58,774	$2,948,524
22	253	$64,162	$5,283	$58,879	$2,889,645
22	254	$64,162	$5,177	$58,985	$2,830,660
22	255	$64,162	$5,072	$59,090	$2,771,570
22	256	$64,162	$4,966	$59,196	$2,712,374
22	257	$64,162	$4,860	$59,302	$2,653,072
22	258	$64,162	$4,753	$59,408	$2,593,664
22	259	$64,162	$4,647	$59,515	$2,534,149
22	260	$64,162	$4,540	$59,621	$2,474,527
22	261	$64,162	$4,434	$59,728	$2,414,799
22	262	$64,162	$4,327	$59,835	$2,354,964
22	263	$64,162	$4,219	$59,942	$2,295,021
22	264	$64,162	$4,112	$60,050	$2,234,971
23	265	$64,162	$4,004	$60,157	$2,174,814
23	266	$64,162	$3,897	$60,265	$2,114,549
23	267	$64,162	$3,789	$60,373	$2,054,175
23	268	$64,162	$3,680	$60,481	$1,993,694
23	269	$64,162	$3,572	$60,590	$1,933,104
23	270	$64,162	$3,463	$60,698	$1,872,406
23	271	$64,162	$3,355	$60,807	$1,811,599
23	272	$64,162	$3,246	$60,916	$1,750,683
23	273	$64,162	$3,137	$61,025	$1,689,658
23	274	$64,162	$3,027	$61,134	$1,628,523
23	275	$64,162	$2,918	$61,244	$1,567,279
23	276	$64,162	$2,808	$61,354	$1,505,925
24	277	$64,162	$2,698	$61,464	$1,444,462
24	278	$64,162	$2,588	$61,574	$1,382,888
24	279	$64,162	$2,478	$61,684	$1,321,204
24	280	$64,162	$2,367	$61,795	$1,259,409
24	281	$64,162	$2,256	$61,905	$1,197,504
24	282	$64,162	$2,146	$62,016	$1,135,487
24	283	$64,162	$2,034	$62,127	$1,073,360
24	284	$64,162	$1,923	$62,239	$1,011,121
24	285	$64,162	$1,812	$62,350	$948,771
24	286	$64,162	$1,700	$62,462	$886,309
24	287	$64,162	$1,588	$62,574	$823,735
24	288	$64,162	$1,476	$62,686	$761,049
25	289	$64,162	$1,364	$62,798	$698,251
25	290	$64,162	$1,251	$62,911	$635,340
25	291	$64,162	$1,138	$63,023	$572,317
25	292	$64,162	$1,025	$63,136	$509,181
25	293	$64,162	$912	$63,250	$445,931
25	294	$64,162	$799	$63,363	$382,568
25	295	$64,162	$685	$63,476	$319,092
25	296	$64,162	$572	$63,590	$255,502
25	297	$64,162	$458	$63,704	$191,798
25	298	$64,162	$344	$63,818	$127,980
25	299	$64,162	$229	$63,933	$64,047
25	300	$64,162	$115	$64,047	$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$ 9,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,168,000

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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.