Century 21 Centaland Property

Down Payment (HKD)

$59,600,000

Monthly Repayment (HKD)

$385,488

Loan Amount (HKD)

$89,400,000

Total Interest (HKD)

$26,246,474

Total Repayment (HKD)

$115,646,474

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$385,488	$160,175	$225,313	$89,174,687
1	2	$385,488	$159,771	$225,717	$88,948,970
1	3	$385,488	$159,367	$226,121	$88,722,848
1	4	$385,488	$158,962	$226,526	$88,496,322
1	5	$385,488	$158,556	$226,932	$88,269,390
1	6	$385,488	$158,149	$227,339	$88,042,051
1	7	$385,488	$157,742	$227,746	$87,814,305
1	8	$385,488	$157,334	$228,154	$87,586,150
1	9	$385,488	$156,925	$228,563	$87,357,587
1	10	$385,488	$156,516	$228,973	$87,128,615
1	11	$385,488	$156,105	$229,383	$86,899,232
1	12	$385,488	$155,694	$229,794	$86,669,438
2	13	$385,488	$155,283	$230,206	$86,439,232
2	14	$385,488	$154,870	$230,618	$86,208,615
2	15	$385,488	$154,457	$231,031	$85,977,583
2	16	$385,488	$154,043	$231,445	$85,746,138
2	17	$385,488	$153,628	$231,860	$85,514,279
2	18	$385,488	$153,213	$232,275	$85,282,003
2	19	$385,488	$152,797	$232,691	$85,049,312
2	20	$385,488	$152,380	$233,108	$84,816,204
2	21	$385,488	$151,962	$233,526	$84,582,678
2	22	$385,488	$151,544	$233,944	$84,348,734
2	23	$385,488	$151,125	$234,363	$84,114,370
2	24	$385,488	$150,705	$234,783	$83,879,587
3	25	$385,488	$150,284	$235,204	$83,644,383
3	26	$385,488	$149,863	$235,625	$83,408,758
3	27	$385,488	$149,441	$236,048	$83,172,710
3	28	$385,488	$149,018	$236,470	$82,936,240
3	29	$385,488	$148,594	$236,894	$82,699,345
3	30	$385,488	$148,170	$237,319	$82,462,027
3	31	$385,488	$147,744	$237,744	$82,224,283
3	32	$385,488	$147,319	$238,170	$81,986,113
3	33	$385,488	$146,892	$238,596	$81,747,517
3	34	$385,488	$146,464	$239,024	$81,508,493
3	35	$385,488	$146,036	$239,452	$81,269,041
3	36	$385,488	$145,607	$239,881	$81,029,159
4	37	$385,488	$145,177	$240,311	$80,788,848
4	38	$385,488	$144,747	$240,742	$80,548,107
4	39	$385,488	$144,315	$241,173	$80,306,934
4	40	$385,488	$143,883	$241,605	$80,065,329
4	41	$385,488	$143,450	$242,038	$79,823,291
4	42	$385,488	$143,017	$242,472	$79,580,820
4	43	$385,488	$142,582	$242,906	$79,337,914
4	44	$385,488	$142,147	$243,341	$79,094,573
4	45	$385,488	$141,711	$243,777	$78,850,795
4	46	$385,488	$141,274	$244,214	$78,606,581
4	47	$385,488	$140,837	$244,651	$78,361,930
4	48	$385,488	$140,398	$245,090	$78,116,840
5	49	$385,488	$139,959	$245,529	$77,871,311
5	50	$385,488	$139,519	$245,969	$77,625,343
5	51	$385,488	$139,079	$246,410	$77,378,933
5	52	$385,488	$138,637	$246,851	$77,132,082
5	53	$385,488	$138,195	$247,293	$76,884,789
5	54	$385,488	$137,752	$247,736	$76,637,052
5	55	$385,488	$137,308	$248,180	$76,388,872
5	56	$385,488	$136,863	$248,625	$76,140,247
5	57	$385,488	$136,418	$249,070	$75,891,177
5	58	$385,488	$135,972	$249,517	$75,641,661
5	59	$385,488	$135,525	$249,964	$75,391,697
5	60	$385,488	$135,077	$250,411	$75,141,285
6	61	$385,488	$134,628	$250,860	$74,890,425
6	62	$385,488	$134,179	$251,310	$74,639,116
6	63	$385,488	$133,728	$251,760	$74,387,356
6	64	$385,488	$133,277	$252,211	$74,135,145
6	65	$385,488	$132,825	$252,663	$73,882,482
6	66	$385,488	$132,373	$253,115	$73,629,367
6	67	$385,488	$131,919	$253,569	$73,375,798
6	68	$385,488	$131,465	$254,023	$73,121,775
6	69	$385,488	$131,010	$254,478	$72,867,296
6	70	$385,488	$130,554	$254,934	$72,612,362
6	71	$385,488	$130,097	$255,391	$72,356,971
6	72	$385,488	$129,640	$255,849	$72,101,122
7	73	$385,488	$129,181	$256,307	$71,844,815
7	74	$385,488	$128,722	$256,766	$71,588,049
7	75	$385,488	$128,262	$257,226	$71,330,822
7	76	$385,488	$127,801	$257,687	$71,073,135
7	77	$385,488	$127,339	$258,149	$70,814,986
7	78	$385,488	$126,877	$258,611	$70,556,375
7	79	$385,488	$126,414	$259,075	$70,297,300
7	80	$385,488	$125,949	$259,539	$70,037,761
7	81	$385,488	$125,484	$260,004	$69,777,757
7	82	$385,488	$125,018	$260,470	$69,517,288
7	83	$385,488	$124,552	$260,936	$69,256,351
7	84	$385,488	$124,084	$261,404	$68,994,947
8	85	$385,488	$123,616	$261,872	$68,733,075
8	86	$385,488	$123,147	$262,341	$68,470,733
8	87	$385,488	$122,677	$262,812	$68,207,922
8	88	$385,488	$122,206	$263,282	$67,944,640
8	89	$385,488	$121,734	$263,754	$67,680,885
8	90	$385,488	$121,262	$264,227	$67,416,659
8	91	$385,488	$120,788	$264,700	$67,151,959
8	92	$385,488	$120,314	$265,174	$66,886,784
8	93	$385,488	$119,839	$265,649	$66,621,135
8	94	$385,488	$119,363	$266,125	$66,355,010
8	95	$385,488	$118,886	$266,602	$66,088,407
8	96	$385,488	$118,408	$267,080	$65,821,328
9	97	$385,488	$117,930	$267,558	$65,553,769
9	98	$385,488	$117,451	$268,038	$65,285,731
9	99	$385,488	$116,970	$268,518	$65,017,213
9	100	$385,488	$116,489	$268,999	$64,748,214
9	101	$385,488	$116,007	$269,481	$64,478,733
9	102	$385,488	$115,524	$269,964	$64,208,769
9	103	$385,488	$115,041	$270,448	$63,938,322
9	104	$385,488	$114,556	$270,932	$63,667,390
9	105	$385,488	$114,071	$271,418	$63,395,972
9	106	$385,488	$113,584	$271,904	$63,124,069
9	107	$385,488	$113,097	$272,391	$62,851,678
9	108	$385,488	$112,609	$272,879	$62,578,799
10	109	$385,488	$112,120	$273,368	$62,305,431
10	110	$385,488	$111,631	$273,858	$62,031,573
10	111	$385,488	$111,140	$274,348	$61,757,225
10	112	$385,488	$110,648	$274,840	$61,482,385
10	113	$385,488	$110,156	$275,332	$61,207,053
10	114	$385,488	$109,663	$275,826	$60,931,227
10	115	$385,488	$109,168	$276,320	$60,654,907
10	116	$385,488	$108,673	$276,815	$60,378,092
10	117	$385,488	$108,177	$277,311	$60,100,781
10	118	$385,488	$107,681	$277,808	$59,822,974
10	119	$385,488	$107,183	$278,305	$59,544,668
10	120	$385,488	$106,684	$278,804	$59,265,864
11	121	$385,488	$106,185	$279,304	$58,986,561
11	122	$385,488	$105,684	$279,804	$58,706,757
11	123	$385,488	$105,183	$280,305	$58,426,451
11	124	$385,488	$104,681	$280,808	$58,145,644
11	125	$385,488	$104,178	$281,311	$57,864,333
11	126	$385,488	$103,674	$281,815	$57,582,519
11	127	$385,488	$103,169	$282,320	$57,300,199
11	128	$385,488	$102,663	$282,825	$57,017,374
11	129	$385,488	$102,156	$283,332	$56,734,042
11	130	$385,488	$101,648	$283,840	$56,450,202
11	131	$385,488	$101,140	$284,348	$56,165,853
11	132	$385,488	$100,630	$284,858	$55,880,996
12	133	$385,488	$100,120	$285,368	$55,595,628
12	134	$385,488	$99,609	$285,879	$55,309,748
12	135	$385,488	$99,097	$286,392	$55,023,357
12	136	$385,488	$98,584	$286,905	$54,736,452
12	137	$385,488	$98,069	$287,419	$54,449,033
12	138	$385,488	$97,555	$287,934	$54,161,099
12	139	$385,488	$97,039	$288,450	$53,872,650
12	140	$385,488	$96,522	$288,966	$53,583,683
12	141	$385,488	$96,004	$289,484	$53,294,199
12	142	$385,488	$95,485	$290,003	$53,004,196
12	143	$385,488	$94,966	$290,522	$52,713,674
12	144	$385,488	$94,445	$291,043	$52,422,631
13	145	$385,488	$93,924	$291,564	$52,131,067
13	146	$385,488	$93,401	$292,087	$51,838,980
13	147	$385,488	$92,878	$292,610	$51,546,370
13	148	$385,488	$92,354	$293,134	$51,253,235
13	149	$385,488	$91,829	$293,660	$50,959,576
13	150	$385,488	$91,303	$294,186	$50,665,390
13	151	$385,488	$90,775	$294,713	$50,370,678
13	152	$385,488	$90,247	$295,241	$50,075,437
13	153	$385,488	$89,718	$295,770	$49,779,667
13	154	$385,488	$89,189	$296,300	$49,483,367
13	155	$385,488	$88,658	$296,831	$49,186,537
13	156	$385,488	$88,126	$297,362	$48,889,174
14	157	$385,488	$87,593	$297,895	$48,591,279
14	158	$385,488	$87,059	$298,429	$48,292,850
14	159	$385,488	$86,525	$298,964	$47,993,887
14	160	$385,488	$85,989	$299,499	$47,694,388
14	161	$385,488	$85,452	$300,036	$47,394,352
14	162	$385,488	$84,915	$300,573	$47,093,778
14	163	$385,488	$84,376	$301,112	$46,792,667
14	164	$385,488	$83,837	$301,651	$46,491,015
14	165	$385,488	$83,296	$302,192	$46,188,823
14	166	$385,488	$82,755	$302,733	$45,886,090
14	167	$385,488	$82,213	$303,276	$45,582,814
14	168	$385,488	$81,669	$303,819	$45,278,995
15	169	$385,488	$81,125	$304,363	$44,974,632
15	170	$385,488	$80,580	$304,909	$44,669,723
15	171	$385,488	$80,033	$305,455	$44,364,268
15	172	$385,488	$79,486	$306,002	$44,058,266
15	173	$385,488	$78,938	$306,551	$43,751,716
15	174	$385,488	$78,388	$307,100	$43,444,616
15	175	$385,488	$77,838	$307,650	$43,136,966
15	176	$385,488	$77,287	$308,201	$42,828,765
15	177	$385,488	$76,735	$308,753	$42,520,011
15	178	$385,488	$76,182	$309,307	$42,210,705
15	179	$385,488	$75,628	$309,861	$41,900,844
15	180	$385,488	$75,072	$310,416	$41,590,428
16	181	$385,488	$74,516	$310,972	$41,279,456
16	182	$385,488	$73,959	$311,529	$40,967,927
16	183	$385,488	$73,401	$312,087	$40,655,839
16	184	$385,488	$72,842	$312,647	$40,343,193
16	185	$385,488	$72,282	$313,207	$40,029,986
16	186	$385,488	$71,720	$313,768	$39,716,218
16	187	$385,488	$71,158	$314,330	$39,401,888
16	188	$385,488	$70,595	$314,893	$39,086,995
16	189	$385,488	$70,031	$315,457	$38,771,538
16	190	$385,488	$69,466	$316,023	$38,455,515
16	191	$385,488	$68,899	$316,589	$38,138,926
16	192	$385,488	$68,332	$317,156	$37,821,770
17	193	$385,488	$67,764	$317,724	$37,504,046
17	194	$385,488	$67,195	$318,293	$37,185,753
17	195	$385,488	$66,624	$318,864	$36,866,889
17	196	$385,488	$66,053	$319,435	$36,547,454
17	197	$385,488	$65,481	$320,007	$36,227,446
17	198	$385,488	$64,908	$320,581	$35,906,866
17	199	$385,488	$64,333	$321,155	$35,585,711
17	200	$385,488	$63,758	$321,731	$35,263,980
17	201	$385,488	$63,181	$322,307	$34,941,673
17	202	$385,488	$62,604	$322,884	$34,618,789
17	203	$385,488	$62,025	$323,463	$34,295,326
17	204	$385,488	$61,446	$324,042	$33,971,283
18	205	$385,488	$60,865	$324,623	$33,646,660
18	206	$385,488	$60,284	$325,205	$33,321,456
18	207	$385,488	$59,701	$325,787	$32,995,668
18	208	$385,488	$59,117	$326,371	$32,669,297
18	209	$385,488	$58,532	$326,956	$32,342,342
18	210	$385,488	$57,947	$327,542	$32,014,800
18	211	$385,488	$57,360	$328,128	$31,686,672
18	212	$385,488	$56,772	$328,716	$31,357,955
18	213	$385,488	$56,183	$329,305	$31,028,650
18	214	$385,488	$55,593	$329,895	$30,698,755
18	215	$385,488	$55,002	$330,486	$30,368,268
18	216	$385,488	$54,410	$331,078	$30,037,190
19	217	$385,488	$53,817	$331,672	$29,705,518
19	218	$385,488	$53,222	$332,266	$29,373,253
19	219	$385,488	$52,627	$332,861	$29,040,391
19	220	$385,488	$52,031	$333,458	$28,706,934
19	221	$385,488	$51,433	$334,055	$28,372,879
19	222	$385,488	$50,835	$334,654	$28,038,225
19	223	$385,488	$50,235	$335,253	$27,702,972
19	224	$385,488	$49,634	$335,854	$27,367,119
19	225	$385,488	$49,033	$336,455	$27,030,663
19	226	$385,488	$48,430	$337,058	$26,693,605
19	227	$385,488	$47,826	$337,662	$26,355,943
19	228	$385,488	$47,221	$338,267	$26,017,675
20	229	$385,488	$46,615	$338,873	$25,678,802
20	230	$385,488	$46,008	$339,480	$25,339,322
20	231	$385,488	$45,400	$340,089	$24,999,233
20	232	$385,488	$44,790	$340,698	$24,658,535
20	233	$385,488	$44,180	$341,308	$24,317,227
20	234	$385,488	$43,568	$341,920	$23,975,307
20	235	$385,488	$42,956	$342,532	$23,632,774
20	236	$385,488	$42,342	$343,146	$23,289,628
20	237	$385,488	$41,727	$343,761	$22,945,867
20	238	$385,488	$41,111	$344,377	$22,601,490
20	239	$385,488	$40,494	$344,994	$22,256,496
20	240	$385,488	$39,876	$345,612	$21,910,884
21	241	$385,488	$39,257	$346,231	$21,564,653
21	242	$385,488	$38,637	$346,852	$21,217,802
21	243	$385,488	$38,015	$347,473	$20,870,329
21	244	$385,488	$37,393	$348,096	$20,522,233
21	245	$385,488	$36,769	$348,719	$20,173,514
21	246	$385,488	$36,144	$349,344	$19,824,170
21	247	$385,488	$35,518	$349,970	$19,474,200
21	248	$385,488	$34,891	$350,597	$19,123,603
21	249	$385,488	$34,263	$351,225	$18,772,378
21	250	$385,488	$33,634	$351,854	$18,420,523
21	251	$385,488	$33,003	$352,485	$18,068,038
21	252	$385,488	$32,372	$353,116	$17,714,922
22	253	$385,488	$31,739	$353,749	$17,361,173
22	254	$385,488	$31,105	$354,383	$17,006,790
22	255	$385,488	$30,470	$355,018	$16,651,773
22	256	$385,488	$29,834	$355,654	$16,296,119
22	257	$385,488	$29,197	$356,291	$15,939,828
22	258	$385,488	$28,559	$356,929	$15,582,898
22	259	$385,488	$27,919	$357,569	$15,225,329
22	260	$385,488	$27,279	$358,210	$14,867,120
22	261	$385,488	$26,637	$358,851	$14,508,269
22	262	$385,488	$25,994	$359,494	$14,148,774
22	263	$385,488	$25,350	$360,138	$13,788,636
22	264	$385,488	$24,705	$360,784	$13,427,852
23	265	$385,488	$24,058	$361,430	$13,066,422
23	266	$385,488	$23,411	$362,078	$12,704,345
23	267	$385,488	$22,762	$362,726	$12,341,618
23	268	$385,488	$22,112	$363,376	$11,978,242
23	269	$385,488	$21,461	$364,027	$11,614,215
23	270	$385,488	$20,809	$364,679	$11,249,536
23	271	$385,488	$20,155	$365,333	$10,884,203
23	272	$385,488	$19,501	$365,987	$10,518,215
23	273	$385,488	$18,845	$366,643	$10,151,572
23	274	$385,488	$18,188	$367,300	$9,784,272
23	275	$385,488	$17,530	$367,958	$9,416,314
23	276	$385,488	$16,871	$368,617	$9,047,697
24	277	$385,488	$16,210	$369,278	$8,678,419
24	278	$385,488	$15,549	$369,939	$8,308,480
24	279	$385,488	$14,886	$370,602	$7,937,877
24	280	$385,488	$14,222	$371,266	$7,566,611
24	281	$385,488	$13,557	$371,931	$7,194,680
24	282	$385,488	$12,890	$372,598	$6,822,082
24	283	$385,488	$12,223	$373,265	$6,448,817
24	284	$385,488	$11,554	$373,934	$6,074,883
24	285	$385,488	$10,884	$374,604	$5,700,278
24	286	$385,488	$10,213	$375,275	$5,325,003
24	287	$385,488	$9,541	$375,948	$4,949,056
24	288	$385,488	$8,867	$376,621	$4,572,434
25	289	$385,488	$8,192	$377,296	$4,195,138
25	290	$385,488	$7,516	$377,972	$3,817,166
25	291	$385,488	$6,839	$378,649	$3,438,517
25	292	$385,488	$6,161	$379,328	$3,059,190
25	293	$385,488	$5,481	$380,007	$2,679,183
25	294	$385,488	$4,800	$380,688	$2,298,494
25	295	$385,488	$4,118	$381,370	$1,917,124
25	296	$385,488	$3,435	$382,053	$1,535,071
25	297	$385,488	$2,750	$382,738	$1,152,333
25	298	$385,488	$2,065	$383,424	$768,909
25	299	$385,488	$1,378	$384,111	$384,799
25	300	$385,488	$689	$384,799	$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$ 59,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 61,090,000

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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.