Century 21 Centaland Property

Down Payment (HKD)

$11,400,000

Monthly Repayment (HKD)

$73,734

Loan Amount (HKD)

$17,100,000

Total Interest (HKD)

$5,020,299

Total Repayment (HKD)

$22,120,299

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$73,734	$30,638	$43,097	$17,056,903
1	2	$73,734	$30,560	$43,174	$17,013,729
1	3	$73,734	$30,483	$43,251	$16,970,478
1	4	$73,734	$30,405	$43,329	$16,927,149
1	5	$73,734	$30,328	$43,407	$16,883,742
1	6	$73,734	$30,250	$43,484	$16,840,258
1	7	$73,734	$30,172	$43,562	$16,796,696
1	8	$73,734	$30,094	$43,640	$16,753,056
1	9	$73,734	$30,016	$43,718	$16,709,337
1	10	$73,734	$29,938	$43,797	$16,665,540
1	11	$73,734	$29,859	$43,875	$16,621,665
1	12	$73,734	$29,780	$43,954	$16,577,711
2	13	$73,734	$29,702	$44,033	$16,533,679
2	14	$73,734	$29,623	$44,111	$16,489,567
2	15	$73,734	$29,544	$44,191	$16,445,377
2	16	$73,734	$29,465	$44,270	$16,401,107
2	17	$73,734	$29,385	$44,349	$16,356,758
2	18	$73,734	$29,306	$44,428	$16,312,330
2	19	$73,734	$29,226	$44,508	$16,267,821
2	20	$73,734	$29,147	$44,588	$16,223,234
2	21	$73,734	$29,067	$44,668	$16,178,566
2	22	$73,734	$28,987	$44,748	$16,133,818
2	23	$73,734	$28,906	$44,828	$16,088,990
2	24	$73,734	$28,826	$44,908	$16,044,082
3	25	$73,734	$28,746	$44,989	$15,999,093
3	26	$73,734	$28,665	$45,069	$15,954,024
3	27	$73,734	$28,584	$45,150	$15,908,874
3	28	$73,734	$28,503	$45,231	$15,863,643
3	29	$73,734	$28,422	$45,312	$15,818,331
3	30	$73,734	$28,341	$45,393	$15,772,938
3	31	$73,734	$28,260	$45,474	$15,727,464
3	32	$73,734	$28,178	$45,556	$15,681,908
3	33	$73,734	$28,097	$45,638	$15,636,270
3	34	$73,734	$28,015	$45,719	$15,590,551
3	35	$73,734	$27,933	$45,801	$15,544,749
3	36	$73,734	$27,851	$45,883	$15,498,866
4	37	$73,734	$27,769	$45,966	$15,452,901
4	38	$73,734	$27,686	$46,048	$15,406,853
4	39	$73,734	$27,604	$46,130	$15,360,722
4	40	$73,734	$27,521	$46,213	$15,314,509
4	41	$73,734	$27,438	$46,296	$15,268,213
4	42	$73,734	$27,356	$46,379	$15,221,835
4	43	$73,734	$27,272	$46,462	$15,175,373
4	44	$73,734	$27,189	$46,545	$15,128,828
4	45	$73,734	$27,106	$46,629	$15,082,199
4	46	$73,734	$27,022	$46,712	$15,035,487
4	47	$73,734	$26,939	$46,796	$14,988,691
4	48	$73,734	$26,855	$46,880	$14,941,812
5	49	$73,734	$26,771	$46,964	$14,894,848
5	50	$73,734	$26,687	$47,048	$14,847,800
5	51	$73,734	$26,602	$47,132	$14,800,668
5	52	$73,734	$26,518	$47,216	$14,753,452
5	53	$73,734	$26,433	$47,301	$14,706,151
5	54	$73,734	$26,349	$47,386	$14,658,765
5	55	$73,734	$26,264	$47,471	$14,611,294
5	56	$73,734	$26,179	$47,556	$14,563,739
5	57	$73,734	$26,093	$47,641	$14,516,098
5	58	$73,734	$26,008	$47,726	$14,468,371
5	59	$73,734	$25,922	$47,812	$14,420,559
5	60	$73,734	$25,837	$47,897	$14,372,662
6	61	$73,734	$25,751	$47,983	$14,324,679
6	62	$73,734	$25,665	$48,069	$14,276,609
6	63	$73,734	$25,579	$48,155	$14,228,454
6	64	$73,734	$25,493	$48,242	$14,180,212
6	65	$73,734	$25,406	$48,328	$14,131,884
6	66	$73,734	$25,320	$48,415	$14,083,469
6	67	$73,734	$25,233	$48,501	$14,034,968
6	68	$73,734	$25,146	$48,588	$13,986,380
6	69	$73,734	$25,059	$48,675	$13,937,704
6	70	$73,734	$24,972	$48,763	$13,888,942
6	71	$73,734	$24,884	$48,850	$13,840,092
6	72	$73,734	$24,797	$48,937	$13,791,154
7	73	$73,734	$24,709	$49,025	$13,742,129
7	74	$73,734	$24,621	$49,113	$13,693,016
7	75	$73,734	$24,533	$49,201	$13,643,815
7	76	$73,734	$24,445	$49,289	$13,594,526
7	77	$73,734	$24,357	$49,377	$13,545,148
7	78	$73,734	$24,268	$49,466	$13,495,682
7	79	$73,734	$24,180	$49,555	$13,446,128
7	80	$73,734	$24,091	$49,643	$13,396,485
7	81	$73,734	$24,002	$49,732	$13,346,752
7	82	$73,734	$23,913	$49,821	$13,296,931
7	83	$73,734	$23,824	$49,911	$13,247,020
7	84	$73,734	$23,734	$50,000	$13,197,020
8	85	$73,734	$23,645	$50,090	$13,146,930
8	86	$73,734	$23,555	$50,179	$13,096,751
8	87	$73,734	$23,465	$50,269	$13,046,482
8	88	$73,734	$23,375	$50,359	$12,996,122
8	89	$73,734	$23,285	$50,450	$12,945,673
8	90	$73,734	$23,194	$50,540	$12,895,133
8	91	$73,734	$23,104	$50,631	$12,844,502
8	92	$73,734	$23,013	$50,721	$12,793,781
8	93	$73,734	$22,922	$50,812	$12,742,969
8	94	$73,734	$22,831	$50,903	$12,692,066
8	95	$73,734	$22,740	$50,994	$12,641,071
8	96	$73,734	$22,649	$51,086	$12,589,985
9	97	$73,734	$22,557	$51,177	$12,538,808
9	98	$73,734	$22,465	$51,269	$12,487,539
9	99	$73,734	$22,374	$51,361	$12,436,178
9	100	$73,734	$22,281	$51,453	$12,384,726
9	101	$73,734	$22,189	$51,545	$12,333,181
9	102	$73,734	$22,097	$51,637	$12,281,543
9	103	$73,734	$22,004	$51,730	$12,229,813
9	104	$73,734	$21,912	$51,823	$12,177,991
9	105	$73,734	$21,819	$51,915	$12,126,075
9	106	$73,734	$21,726	$52,008	$12,074,067
9	107	$73,734	$21,633	$52,102	$12,021,965
9	108	$73,734	$21,539	$52,195	$11,969,770
10	109	$73,734	$21,446	$52,288	$11,917,482
10	110	$73,734	$21,352	$52,382	$11,865,100
10	111	$73,734	$21,258	$52,476	$11,812,624
10	112	$73,734	$21,164	$52,570	$11,760,053
10	113	$73,734	$21,070	$52,664	$11,707,389
10	114	$73,734	$20,976	$52,759	$11,654,631
10	115	$73,734	$20,881	$52,853	$11,601,778
10	116	$73,734	$20,787	$52,948	$11,548,830
10	117	$73,734	$20,692	$53,043	$11,495,787
10	118	$73,734	$20,597	$53,138	$11,442,649
10	119	$73,734	$20,501	$53,233	$11,389,416
10	120	$73,734	$20,406	$53,328	$11,336,088
11	121	$73,734	$20,310	$53,424	$11,282,664
11	122	$73,734	$20,215	$53,520	$11,229,145
11	123	$73,734	$20,119	$53,615	$11,175,529
11	124	$73,734	$20,023	$53,712	$11,121,818
11	125	$73,734	$19,927	$53,808	$11,068,010
11	126	$73,734	$19,830	$53,904	$11,014,106
11	127	$73,734	$19,734	$54,001	$10,960,105
11	128	$73,734	$19,637	$54,097	$10,906,008
11	129	$73,734	$19,540	$54,194	$10,851,813
11	130	$73,734	$19,443	$54,291	$10,797,522
11	131	$73,734	$19,346	$54,389	$10,743,133
11	132	$73,734	$19,248	$54,486	$10,688,647
12	133	$73,734	$19,150	$54,584	$10,634,063
12	134	$73,734	$19,053	$54,682	$10,579,381
12	135	$73,734	$18,955	$54,780	$10,524,602
12	136	$73,734	$18,857	$54,878	$10,469,724
12	137	$73,734	$18,758	$54,976	$10,414,748
12	138	$73,734	$18,660	$55,075	$10,359,673
12	139	$73,734	$18,561	$55,173	$10,304,500
12	140	$73,734	$18,462	$55,272	$10,249,228
12	141	$73,734	$18,363	$55,371	$10,193,857
12	142	$73,734	$18,264	$55,470	$10,138,387
12	143	$73,734	$18,165	$55,570	$10,082,817
12	144	$73,734	$18,065	$55,669	$10,027,148
13	145	$73,734	$17,965	$55,769	$9,971,379
13	146	$73,734	$17,865	$55,869	$9,915,510
13	147	$73,734	$17,765	$55,969	$9,859,541
13	148	$73,734	$17,665	$56,069	$9,803,471
13	149	$73,734	$17,565	$56,170	$9,747,301
13	150	$73,734	$17,464	$56,270	$9,691,031
13	151	$73,734	$17,363	$56,371	$9,634,660
13	152	$73,734	$17,262	$56,472	$9,578,188
13	153	$73,734	$17,161	$56,573	$9,521,614
13	154	$73,734	$17,060	$56,675	$9,464,939
13	155	$73,734	$16,958	$56,776	$9,408,163
13	156	$73,734	$16,856	$56,878	$9,351,285
14	157	$73,734	$16,754	$56,980	$9,294,305
14	158	$73,734	$16,652	$57,082	$9,237,223
14	159	$73,734	$16,550	$57,184	$9,180,039
14	160	$73,734	$16,448	$57,287	$9,122,752
14	161	$73,734	$16,345	$57,389	$9,065,363
14	162	$73,734	$16,242	$57,492	$9,007,870
14	163	$73,734	$16,139	$57,595	$8,950,275
14	164	$73,734	$16,036	$57,698	$8,892,577
14	165	$73,734	$15,933	$57,802	$8,834,775
14	166	$73,734	$15,829	$57,905	$8,776,870
14	167	$73,734	$15,725	$58,009	$8,718,860
14	168	$73,734	$15,621	$58,113	$8,660,747
15	169	$73,734	$15,517	$58,217	$8,602,530
15	170	$73,734	$15,413	$58,321	$8,544,209
15	171	$73,734	$15,308	$58,426	$8,485,783
15	172	$73,734	$15,204	$58,531	$8,427,252
15	173	$73,734	$15,099	$58,636	$8,368,617
15	174	$73,734	$14,994	$58,741	$8,309,876
15	175	$73,734	$14,889	$58,846	$8,251,030
15	176	$73,734	$14,783	$58,951	$8,192,079
15	177	$73,734	$14,677	$59,057	$8,133,022
15	178	$73,734	$14,572	$59,163	$8,073,860
15	179	$73,734	$14,466	$59,269	$8,014,591
15	180	$73,734	$14,359	$59,375	$7,955,216
16	181	$73,734	$14,253	$59,481	$7,895,735
16	182	$73,734	$14,147	$59,588	$7,836,147
16	183	$73,734	$14,040	$59,695	$7,776,452
16	184	$73,734	$13,933	$59,802	$7,716,651
16	185	$73,734	$13,826	$59,909	$7,656,742
16	186	$73,734	$13,718	$60,016	$7,596,726
16	187	$73,734	$13,611	$60,124	$7,536,603
16	188	$73,734	$13,503	$60,231	$7,476,372
16	189	$73,734	$13,395	$60,339	$7,416,032
16	190	$73,734	$13,287	$60,447	$7,355,585
16	191	$73,734	$13,179	$60,556	$7,295,030
16	192	$73,734	$13,070	$60,664	$7,234,365
17	193	$73,734	$12,962	$60,773	$7,173,593
17	194	$73,734	$12,853	$60,882	$7,112,711
17	195	$73,734	$12,744	$60,991	$7,051,720
17	196	$73,734	$12,634	$61,100	$6,990,620
17	197	$73,734	$12,525	$61,209	$6,929,411
17	198	$73,734	$12,415	$61,319	$6,868,092
17	199	$73,734	$12,305	$61,429	$6,806,663
17	200	$73,734	$12,195	$61,539	$6,745,124
17	201	$73,734	$12,085	$61,649	$6,683,474
17	202	$73,734	$11,975	$61,760	$6,621,715
17	203	$73,734	$11,864	$61,870	$6,559,844
17	204	$73,734	$11,753	$61,981	$6,497,863
18	205	$73,734	$11,642	$62,092	$6,435,771
18	206	$73,734	$11,531	$62,204	$6,373,567
18	207	$73,734	$11,419	$62,315	$6,311,252
18	208	$73,734	$11,308	$62,427	$6,248,825
18	209	$73,734	$11,196	$62,539	$6,186,287
18	210	$73,734	$11,084	$62,651	$6,123,636
18	211	$73,734	$10,972	$62,763	$6,060,873
18	212	$73,734	$10,859	$62,875	$5,997,998
18	213	$73,734	$10,746	$62,988	$5,935,010
18	214	$73,734	$10,634	$63,101	$5,871,909
18	215	$73,734	$10,521	$63,214	$5,808,696
18	216	$73,734	$10,407	$63,327	$5,745,369
19	217	$73,734	$10,294	$63,441	$5,681,928
19	218	$73,734	$10,180	$63,554	$5,618,374
19	219	$73,734	$10,066	$63,668	$5,554,706
19	220	$73,734	$9,952	$63,782	$5,490,924
19	221	$73,734	$9,838	$63,896	$5,427,027
19	222	$73,734	$9,723	$64,011	$5,363,016
19	223	$73,734	$9,609	$64,126	$5,298,891
19	224	$73,734	$9,494	$64,240	$5,234,650
19	225	$73,734	$9,379	$64,356	$5,170,295
19	226	$73,734	$9,263	$64,471	$5,105,824
19	227	$73,734	$9,148	$64,586	$5,041,237
19	228	$73,734	$9,032	$64,702	$4,976,535
20	229	$73,734	$8,916	$64,818	$4,911,717
20	230	$73,734	$8,800	$64,934	$4,846,783
20	231	$73,734	$8,684	$65,051	$4,781,733
20	232	$73,734	$8,567	$65,167	$4,716,565
20	233	$73,734	$8,451	$65,284	$4,651,282
20	234	$73,734	$8,334	$65,401	$4,585,881
20	235	$73,734	$8,216	$65,518	$4,520,363
20	236	$73,734	$8,099	$65,635	$4,454,728
20	237	$73,734	$7,981	$65,753	$4,388,975
20	238	$73,734	$7,864	$65,871	$4,323,104
20	239	$73,734	$7,746	$65,989	$4,257,115
20	240	$73,734	$7,627	$66,107	$4,191,008
21	241	$73,734	$7,509	$66,225	$4,124,783
21	242	$73,734	$7,390	$66,344	$4,058,439
21	243	$73,734	$7,271	$66,463	$3,991,976
21	244	$73,734	$7,152	$66,582	$3,925,394
21	245	$73,734	$7,033	$66,701	$3,858,692
21	246	$73,734	$6,913	$66,821	$3,791,871
21	247	$73,734	$6,794	$66,941	$3,724,931
21	248	$73,734	$6,674	$67,060	$3,657,870
21	249	$73,734	$6,554	$67,181	$3,590,690
21	250	$73,734	$6,433	$67,301	$3,523,389
21	251	$73,734	$6,313	$67,422	$3,455,967
21	252	$73,734	$6,192	$67,542	$3,388,425
22	253	$73,734	$6,071	$67,663	$3,320,761
22	254	$73,734	$5,950	$67,785	$3,252,977
22	255	$73,734	$5,828	$67,906	$3,185,071
22	256	$73,734	$5,707	$68,028	$3,117,043
22	257	$73,734	$5,585	$68,150	$3,048,893
22	258	$73,734	$5,463	$68,272	$2,980,621
22	259	$73,734	$5,340	$68,394	$2,912,227
22	260	$73,734	$5,218	$68,517	$2,843,711
22	261	$73,734	$5,095	$68,639	$2,775,071
22	262	$73,734	$4,972	$68,762	$2,706,309
22	263	$73,734	$4,849	$68,886	$2,637,424
22	264	$73,734	$4,725	$69,009	$2,568,415
23	265	$73,734	$4,602	$69,133	$2,499,282
23	266	$73,734	$4,478	$69,256	$2,430,026
23	267	$73,734	$4,354	$69,381	$2,360,645
23	268	$73,734	$4,229	$69,505	$2,291,140
23	269	$73,734	$4,105	$69,629	$2,221,511
23	270	$73,734	$3,980	$69,754	$2,151,757
23	271	$73,734	$3,855	$69,879	$2,081,878
23	272	$73,734	$3,730	$70,004	$2,011,873
23	273	$73,734	$3,605	$70,130	$1,941,744
23	274	$73,734	$3,479	$70,255	$1,871,488
23	275	$73,734	$3,353	$70,381	$1,801,107
23	276	$73,734	$3,227	$70,507	$1,730,600
24	277	$73,734	$3,101	$70,634	$1,659,966
24	278	$73,734	$2,974	$70,760	$1,589,206
24	279	$73,734	$2,847	$70,887	$1,518,319
24	280	$73,734	$2,720	$71,014	$1,447,305
24	281	$73,734	$2,593	$71,141	$1,376,164
24	282	$73,734	$2,466	$71,269	$1,304,895
24	283	$73,734	$2,338	$71,396	$1,233,498
24	284	$73,734	$2,210	$71,524	$1,161,974
24	285	$73,734	$2,082	$71,652	$1,090,322
24	286	$73,734	$1,953	$71,781	$1,018,541
24	287	$73,734	$1,825	$71,909	$946,631
24	288	$73,734	$1,696	$72,038	$874,593
25	289	$73,734	$1,567	$72,167	$802,426
25	290	$73,734	$1,438	$72,297	$730,129
25	291	$73,734	$1,308	$72,426	$657,703
25	292	$73,734	$1,178	$72,556	$585,147
25	293	$73,734	$1,048	$72,686	$512,461
25	294	$73,734	$918	$72,816	$439,645
25	295	$73,734	$788	$72,947	$366,698
25	296	$73,734	$657	$73,077	$293,621
25	297	$73,734	$526	$73,208	$220,413
25	298	$73,734	$395	$73,339	$147,073
25	299	$73,734	$264	$73,471	$73,602
25	300	$73,734	$132	$73,602	$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$ 11,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 11,685,000

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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.