Century 21 Centaland Property

Down Payment (HKD)

$35,600,000

Monthly Repayment (HKD)

$230,258

Loan Amount (HKD)

$53,400,000

Total Interest (HKD)

$15,677,424

Total Repayment (HKD)

$69,077,424

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$230,258	$95,675	$134,583	$53,265,417
1	2	$230,258	$95,434	$134,824	$53,130,593
1	3	$230,258	$95,192	$135,066	$52,995,527
1	4	$230,258	$94,950	$135,308	$52,860,219
1	5	$230,258	$94,708	$135,550	$52,724,669
1	6	$230,258	$94,465	$135,793	$52,588,876
1	7	$230,258	$94,222	$136,036	$52,452,840
1	8	$230,258	$93,978	$136,280	$52,316,560
1	9	$230,258	$93,734	$136,524	$52,180,035
1	10	$230,258	$93,489	$136,769	$52,043,266
1	11	$230,258	$93,244	$137,014	$51,906,253
1	12	$230,258	$92,999	$137,259	$51,768,993
2	13	$230,258	$92,753	$137,505	$51,631,488
2	14	$230,258	$92,506	$137,752	$51,493,736
2	15	$230,258	$92,260	$137,998	$51,355,738
2	16	$230,258	$92,012	$138,246	$51,217,492
2	17	$230,258	$91,765	$138,493	$51,078,999
2	18	$230,258	$91,517	$138,742	$50,940,257
2	19	$230,258	$91,268	$138,990	$50,801,267
2	20	$230,258	$91,019	$139,239	$50,662,028
2	21	$230,258	$90,769	$139,489	$50,522,539
2	22	$230,258	$90,520	$139,739	$50,382,801
2	23	$230,258	$90,269	$139,989	$50,242,812
2	24	$230,258	$90,018	$140,240	$50,102,572
3	25	$230,258	$89,767	$140,491	$49,962,081
3	26	$230,258	$89,515	$140,743	$49,821,338
3	27	$230,258	$89,263	$140,995	$49,680,344
3	28	$230,258	$89,011	$141,247	$49,539,096
3	29	$230,258	$88,758	$141,501	$49,397,596
3	30	$230,258	$88,504	$141,754	$49,255,842
3	31	$230,258	$88,250	$142,008	$49,113,833
3	32	$230,258	$87,996	$142,262	$48,971,571
3	33	$230,258	$87,741	$142,517	$48,829,054
3	34	$230,258	$87,485	$142,773	$48,686,281
3	35	$230,258	$87,230	$143,028	$48,543,252
3	36	$230,258	$86,973	$143,285	$48,399,968
4	37	$230,258	$86,717	$143,541	$48,256,426
4	38	$230,258	$86,459	$143,799	$48,112,628
4	39	$230,258	$86,202	$144,056	$47,968,571
4	40	$230,258	$85,944	$144,314	$47,824,257
4	41	$230,258	$85,685	$144,573	$47,679,684
4	42	$230,258	$85,426	$144,832	$47,534,852
4	43	$230,258	$85,167	$145,091	$47,389,761
4	44	$230,258	$84,907	$145,351	$47,244,409
4	45	$230,258	$84,646	$145,612	$47,098,797
4	46	$230,258	$84,385	$145,873	$46,952,925
4	47	$230,258	$84,124	$146,134	$46,806,790
4	48	$230,258	$83,862	$146,396	$46,660,395
5	49	$230,258	$83,600	$146,658	$46,513,736
5	50	$230,258	$83,337	$146,921	$46,366,815
5	51	$230,258	$83,074	$147,184	$46,219,631
5	52	$230,258	$82,810	$147,448	$46,072,183
5	53	$230,258	$82,546	$147,712	$45,924,471
5	54	$230,258	$82,281	$147,977	$45,776,494
5	55	$230,258	$82,016	$148,242	$45,628,253
5	56	$230,258	$81,751	$148,507	$45,479,745
5	57	$230,258	$81,485	$148,774	$45,330,972
5	58	$230,258	$81,218	$149,040	$45,181,931
5	59	$230,258	$80,951	$149,307	$45,032,624
5	60	$230,258	$80,683	$149,575	$44,883,050
6	61	$230,258	$80,415	$149,843	$44,733,207
6	62	$230,258	$80,147	$150,111	$44,583,096
6	63	$230,258	$79,878	$150,380	$44,432,716
6	64	$230,258	$79,609	$150,649	$44,282,067
6	65	$230,258	$79,339	$150,919	$44,131,147
6	66	$230,258	$79,068	$151,190	$43,979,957
6	67	$230,258	$78,797	$151,461	$43,828,497
6	68	$230,258	$78,526	$151,732	$43,676,765
6	69	$230,258	$78,254	$152,004	$43,524,761
6	70	$230,258	$77,982	$152,276	$43,372,485
6	71	$230,258	$77,709	$152,549	$43,219,936
6	72	$230,258	$77,436	$152,822	$43,067,113
7	73	$230,258	$77,162	$153,096	$42,914,017
7	74	$230,258	$76,888	$153,370	$42,760,647
7	75	$230,258	$76,613	$153,645	$42,607,001
7	76	$230,258	$76,338	$153,921	$42,453,081
7	77	$230,258	$76,062	$154,196	$42,298,884
7	78	$230,258	$75,786	$154,473	$42,144,412
7	79	$230,258	$75,509	$154,749	$41,989,663
7	80	$230,258	$75,231	$155,027	$41,834,636
7	81	$230,258	$74,954	$155,304	$41,679,332
7	82	$230,258	$74,675	$155,583	$41,523,749
7	83	$230,258	$74,397	$155,861	$41,367,888
7	84	$230,258	$74,117	$156,141	$41,211,747
8	85	$230,258	$73,838	$156,420	$41,055,327
8	86	$230,258	$73,557	$156,701	$40,898,626
8	87	$230,258	$73,277	$156,981	$40,741,645
8	88	$230,258	$72,995	$157,263	$40,584,382
8	89	$230,258	$72,714	$157,544	$40,426,838
8	90	$230,258	$72,431	$157,827	$40,269,011
8	91	$230,258	$72,149	$158,109	$40,110,901
8	92	$230,258	$71,865	$158,393	$39,952,509
8	93	$230,258	$71,582	$158,677	$39,793,832
8	94	$230,258	$71,297	$158,961	$39,634,871
8	95	$230,258	$71,012	$159,246	$39,475,626
8	96	$230,258	$70,727	$159,531	$39,316,095
9	97	$230,258	$70,441	$159,817	$39,156,278
9	98	$230,258	$70,155	$160,103	$38,996,175
9	99	$230,258	$69,868	$160,390	$38,835,785
9	100	$230,258	$69,581	$160,677	$38,675,108
9	101	$230,258	$69,293	$160,965	$38,514,143
9	102	$230,258	$69,005	$161,254	$38,352,889
9	103	$230,258	$68,716	$161,542	$38,191,347
9	104	$230,258	$68,426	$161,832	$38,029,515
9	105	$230,258	$68,136	$162,122	$37,867,393
9	106	$230,258	$67,846	$162,412	$37,704,981
9	107	$230,258	$67,555	$162,703	$37,542,277
9	108	$230,258	$67,263	$162,995	$37,379,282
10	109	$230,258	$66,971	$163,287	$37,215,996
10	110	$230,258	$66,679	$163,579	$37,052,416
10	111	$230,258	$66,386	$163,873	$36,888,544
10	112	$230,258	$66,092	$164,166	$36,724,378
10	113	$230,258	$65,798	$164,460	$36,559,917
10	114	$230,258	$65,503	$164,755	$36,395,162
10	115	$230,258	$65,208	$165,050	$36,230,112
10	116	$230,258	$64,912	$165,346	$36,064,766
10	117	$230,258	$64,616	$165,642	$35,899,124
10	118	$230,258	$64,319	$165,939	$35,733,186
10	119	$230,258	$64,022	$166,236	$35,566,950
10	120	$230,258	$63,724	$166,534	$35,400,416
11	121	$230,258	$63,426	$166,832	$35,233,583
11	122	$230,258	$63,127	$167,131	$35,066,452
11	123	$230,258	$62,827	$167,431	$34,899,021
11	124	$230,258	$62,527	$167,731	$34,731,291
11	125	$230,258	$62,227	$168,031	$34,563,259
11	126	$230,258	$61,926	$168,332	$34,394,927
11	127	$230,258	$61,624	$168,634	$34,226,293
11	128	$230,258	$61,322	$168,936	$34,057,357
11	129	$230,258	$61,019	$169,239	$33,888,119
11	130	$230,258	$60,716	$169,542	$33,718,577
11	131	$230,258	$60,412	$169,846	$33,548,731
11	132	$230,258	$60,108	$170,150	$33,378,581
12	133	$230,258	$59,803	$170,455	$33,208,127
12	134	$230,258	$59,498	$170,760	$33,037,366
12	135	$230,258	$59,192	$171,066	$32,866,300
12	136	$230,258	$58,885	$171,373	$32,694,928
12	137	$230,258	$58,578	$171,680	$32,523,248
12	138	$230,258	$58,271	$171,987	$32,351,261
12	139	$230,258	$57,963	$172,295	$32,178,965
12	140	$230,258	$57,654	$172,604	$32,006,361
12	141	$230,258	$57,345	$172,913	$31,833,448
12	142	$230,258	$57,035	$173,223	$31,660,225
12	143	$230,258	$56,725	$173,534	$31,486,691
12	144	$230,258	$56,414	$173,844	$31,312,847
13	145	$230,258	$56,102	$174,156	$31,138,691
13	146	$230,258	$55,790	$174,468	$30,964,223
13	147	$230,258	$55,478	$174,781	$30,789,442
13	148	$230,258	$55,164	$175,094	$30,614,349
13	149	$230,258	$54,851	$175,407	$30,438,941
13	150	$230,258	$54,536	$175,722	$30,263,220
13	151	$230,258	$54,222	$176,036	$30,087,183
13	152	$230,258	$53,906	$176,352	$29,910,831
13	153	$230,258	$53,590	$176,668	$29,734,164
13	154	$230,258	$53,274	$176,984	$29,557,179
13	155	$230,258	$52,957	$177,301	$29,379,878
13	156	$230,258	$52,639	$177,619	$29,202,259
14	157	$230,258	$52,321	$177,937	$29,024,321
14	158	$230,258	$52,002	$178,256	$28,846,065
14	159	$230,258	$51,683	$178,576	$28,667,489
14	160	$230,258	$51,363	$178,895	$28,488,594
14	161	$230,258	$51,042	$179,216	$28,309,378
14	162	$230,258	$50,721	$179,537	$28,129,841
14	163	$230,258	$50,399	$179,859	$27,949,982
14	164	$230,258	$50,077	$180,181	$27,769,801
14	165	$230,258	$49,754	$180,504	$27,589,297
14	166	$230,258	$49,431	$180,827	$27,408,470
14	167	$230,258	$49,107	$181,151	$27,227,319
14	168	$230,258	$48,782	$181,476	$27,045,843
15	169	$230,258	$48,457	$181,801	$26,864,042
15	170	$230,258	$48,131	$182,127	$26,681,915
15	171	$230,258	$47,805	$182,453	$26,499,462
15	172	$230,258	$47,478	$182,780	$26,316,682
15	173	$230,258	$47,151	$183,107	$26,133,575
15	174	$230,258	$46,823	$183,435	$25,950,140
15	175	$230,258	$46,494	$183,764	$25,766,376
15	176	$230,258	$46,165	$184,093	$25,582,282
15	177	$230,258	$45,835	$184,423	$25,397,859
15	178	$230,258	$45,504	$184,754	$25,213,105
15	179	$230,258	$45,173	$185,085	$25,028,021
15	180	$230,258	$44,842	$185,416	$24,842,605
16	181	$230,258	$44,510	$185,748	$24,656,856
16	182	$230,258	$44,177	$186,081	$24,470,775
16	183	$230,258	$43,843	$186,415	$24,284,360
16	184	$230,258	$43,509	$186,749	$24,097,612
16	185	$230,258	$43,175	$187,083	$23,910,529
16	186	$230,258	$42,840	$187,418	$23,723,110
16	187	$230,258	$42,504	$187,754	$23,535,356
16	188	$230,258	$42,168	$188,091	$23,347,266
16	189	$230,258	$41,831	$188,428	$23,158,838
16	190	$230,258	$41,493	$188,765	$22,970,073
16	191	$230,258	$41,155	$189,103	$22,780,969
16	192	$230,258	$40,816	$189,442	$22,591,527
17	193	$230,258	$40,476	$189,782	$22,401,746
17	194	$230,258	$40,136	$190,122	$22,211,624
17	195	$230,258	$39,796	$190,462	$22,021,162
17	196	$230,258	$39,455	$190,803	$21,830,358
17	197	$230,258	$39,113	$191,145	$21,639,213
17	198	$230,258	$38,770	$191,488	$21,447,725
17	199	$230,258	$38,427	$191,831	$21,255,894
17	200	$230,258	$38,083	$192,175	$21,063,720
17	201	$230,258	$37,739	$192,519	$20,871,201
17	202	$230,258	$37,394	$192,864	$20,678,337
17	203	$230,258	$37,049	$193,209	$20,485,127
17	204	$230,258	$36,703	$193,556	$20,291,572
18	205	$230,258	$36,356	$193,902	$20,097,670
18	206	$230,258	$36,008	$194,250	$19,903,420
18	207	$230,258	$35,660	$194,598	$19,708,822
18	208	$230,258	$35,312	$194,946	$19,513,876
18	209	$230,258	$34,962	$195,296	$19,318,580
18	210	$230,258	$34,612	$195,646	$19,122,934
18	211	$230,258	$34,262	$195,996	$18,926,938
18	212	$230,258	$33,911	$196,347	$18,730,591
18	213	$230,258	$33,559	$196,699	$18,533,892
18	214	$230,258	$33,207	$197,052	$18,336,840
18	215	$230,258	$32,854	$197,405	$18,139,436
18	216	$230,258	$32,500	$197,758	$17,941,677
19	217	$230,258	$32,146	$198,113	$17,743,565
19	218	$230,258	$31,791	$198,468	$17,545,097
19	219	$230,258	$31,435	$198,823	$17,346,274
19	220	$230,258	$31,079	$199,179	$17,147,095
19	221	$230,258	$30,722	$199,536	$16,947,559
19	222	$230,258	$30,364	$199,894	$16,747,665
19	223	$230,258	$30,006	$200,252	$16,547,413
19	224	$230,258	$29,647	$200,611	$16,346,802
19	225	$230,258	$29,288	$200,970	$16,145,832
19	226	$230,258	$28,928	$201,330	$15,944,502
19	227	$230,258	$28,567	$201,691	$15,742,811
19	228	$230,258	$28,206	$202,052	$15,540,759
20	229	$230,258	$27,844	$202,414	$15,338,345
20	230	$230,258	$27,481	$202,777	$15,135,568
20	231	$230,258	$27,118	$203,140	$14,932,428
20	232	$230,258	$26,754	$203,504	$14,728,924
20	233	$230,258	$26,389	$203,869	$14,525,055
20	234	$230,258	$26,024	$204,234	$14,320,821
20	235	$230,258	$25,658	$204,600	$14,116,221
20	236	$230,258	$25,292	$204,967	$13,911,254
20	237	$230,258	$24,924	$205,334	$13,705,921
20	238	$230,258	$24,556	$205,702	$13,500,219
20	239	$230,258	$24,188	$206,070	$13,294,149
20	240	$230,258	$23,819	$206,439	$13,087,709
21	241	$230,258	$23,449	$206,809	$12,880,900
21	242	$230,258	$23,078	$207,180	$12,673,720
21	243	$230,258	$22,707	$207,551	$12,466,169
21	244	$230,258	$22,335	$207,923	$12,258,247
21	245	$230,258	$21,963	$208,295	$12,049,951
21	246	$230,258	$21,589	$208,669	$11,841,283
21	247	$230,258	$21,216	$209,042	$11,632,240
21	248	$230,258	$20,841	$209,417	$11,422,823
21	249	$230,258	$20,466	$209,792	$11,213,031
21	250	$230,258	$20,090	$210,168	$11,002,863
21	251	$230,258	$19,713	$210,545	$10,792,318
21	252	$230,258	$19,336	$210,922	$10,581,396
22	253	$230,258	$18,958	$211,300	$10,370,097
22	254	$230,258	$18,580	$211,678	$10,158,418
22	255	$230,258	$18,200	$212,058	$9,946,361
22	256	$230,258	$17,821	$212,438	$9,733,923
22	257	$230,258	$17,440	$212,818	$9,521,105
22	258	$230,258	$17,059	$213,199	$9,307,906
22	259	$230,258	$16,677	$213,581	$9,094,324
22	260	$230,258	$16,294	$213,964	$8,880,360
22	261	$230,258	$15,911	$214,347	$8,666,013
22	262	$230,258	$15,527	$214,731	$8,451,281
22	263	$230,258	$15,142	$215,116	$8,236,165
22	264	$230,258	$14,756	$215,502	$8,020,663
23	265	$230,258	$14,370	$215,888	$7,804,776
23	266	$230,258	$13,984	$216,275	$7,588,501
23	267	$230,258	$13,596	$216,662	$7,371,839
23	268	$230,258	$13,208	$217,050	$7,154,789
23	269	$230,258	$12,819	$217,439	$6,937,350
23	270	$230,258	$12,429	$217,829	$6,719,521
23	271	$230,258	$12,039	$218,219	$6,501,302
23	272	$230,258	$11,648	$218,610	$6,282,692
23	273	$230,258	$11,256	$219,002	$6,063,691
23	274	$230,258	$10,864	$219,394	$5,844,297
23	275	$230,258	$10,471	$219,787	$5,624,510
23	276	$230,258	$10,077	$220,181	$5,404,329
24	277	$230,258	$9,683	$220,575	$5,183,754
24	278	$230,258	$9,288	$220,971	$4,962,783
24	279	$230,258	$8,892	$221,366	$4,741,417
24	280	$230,258	$8,495	$221,763	$4,519,654
24	281	$230,258	$8,098	$222,160	$4,297,493
24	282	$230,258	$7,700	$222,558	$4,074,935
24	283	$230,258	$7,301	$222,957	$3,851,978
24	284	$230,258	$6,901	$223,357	$3,628,621
24	285	$230,258	$6,501	$223,757	$3,404,864
24	286	$230,258	$6,100	$224,158	$3,180,707
24	287	$230,258	$5,699	$224,559	$2,956,147
24	288	$230,258	$5,296	$224,962	$2,731,186
25	289	$230,258	$4,893	$225,365	$2,505,821
25	290	$230,258	$4,490	$225,768	$2,280,052
25	291	$230,258	$4,085	$226,173	$2,053,879
25	292	$230,258	$3,680	$226,578	$1,827,301
25	293	$230,258	$3,274	$226,984	$1,600,317
25	294	$230,258	$2,867	$227,391	$1,372,926
25	295	$230,258	$2,460	$227,798	$1,145,128
25	296	$230,258	$2,052	$228,206	$916,922
25	297	$230,258	$1,643	$228,615	$688,306
25	298	$230,258	$1,233	$229,025	$459,281
25	299	$230,258	$823	$229,435	$229,846
25	300	$230,258	$412	$229,846	$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$ 35,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 36,490,000

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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.