Century 21 Centaland Property

Down Payment (HKD)

$36,400,000

Monthly Repayment (HKD)

$235,432

Loan Amount (HKD)

$54,600,000

Total Interest (HKD)

$16,029,726

Total Repayment (HKD)

$70,629,726

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$235,432	$97,825	$137,607	$54,462,393
1	2	$235,432	$97,578	$137,854	$54,324,539
1	3	$235,432	$97,331	$138,101	$54,186,438
1	4	$235,432	$97,084	$138,348	$54,048,089
1	5	$235,432	$96,836	$138,596	$53,909,493
1	6	$235,432	$96,588	$138,845	$53,770,648
1	7	$235,432	$96,339	$139,093	$53,631,555
1	8	$235,432	$96,090	$139,343	$53,492,213
1	9	$235,432	$95,840	$139,592	$53,352,620
1	10	$235,432	$95,590	$139,842	$53,212,778
1	11	$235,432	$95,340	$140,093	$53,072,685
1	12	$235,432	$95,089	$140,344	$52,932,341
2	13	$235,432	$94,837	$140,595	$52,791,746
2	14	$235,432	$94,585	$140,847	$52,650,899
2	15	$235,432	$94,333	$141,100	$52,509,799
2	16	$235,432	$94,080	$141,352	$52,368,447
2	17	$235,432	$93,827	$141,606	$52,226,841
2	18	$235,432	$93,573	$141,859	$52,084,982
2	19	$235,432	$93,319	$142,113	$51,942,868
2	20	$235,432	$93,064	$142,368	$51,800,500
2	21	$235,432	$92,809	$142,623	$51,657,877
2	22	$235,432	$92,554	$142,879	$51,514,998
2	23	$235,432	$92,298	$143,135	$51,371,864
2	24	$235,432	$92,041	$143,391	$51,228,473
3	25	$235,432	$91,784	$143,648	$51,084,824
3	26	$235,432	$91,527	$143,905	$50,940,919
3	27	$235,432	$91,269	$144,163	$50,796,756
3	28	$235,432	$91,011	$144,422	$50,652,334
3	29	$235,432	$90,752	$144,680	$50,507,654
3	30	$235,432	$90,493	$144,940	$50,362,714
3	31	$235,432	$90,233	$145,199	$50,217,515
3	32	$235,432	$89,973	$145,459	$50,072,056
3	33	$235,432	$89,712	$145,720	$49,926,336
3	34	$235,432	$89,451	$145,981	$49,780,355
3	35	$235,432	$89,190	$146,243	$49,634,112
3	36	$235,432	$88,928	$146,505	$49,487,607
4	37	$235,432	$88,665	$146,767	$49,340,840
4	38	$235,432	$88,402	$147,030	$49,193,810
4	39	$235,432	$88,139	$147,294	$49,046,517
4	40	$235,432	$87,875	$147,557	$48,898,959
4	41	$235,432	$87,611	$147,822	$48,751,138
4	42	$235,432	$87,346	$148,087	$48,603,051
4	43	$235,432	$87,080	$148,352	$48,454,699
4	44	$235,432	$86,815	$148,618	$48,306,081
4	45	$235,432	$86,548	$148,884	$48,157,197
4	46	$235,432	$86,282	$149,151	$48,008,046
4	47	$235,432	$86,014	$149,418	$47,858,628
4	48	$235,432	$85,747	$149,686	$47,708,943
5	49	$235,432	$85,479	$149,954	$47,558,989
5	50	$235,432	$85,210	$150,223	$47,408,766
5	51	$235,432	$84,941	$150,492	$47,258,275
5	52	$235,432	$84,671	$150,761	$47,107,513
5	53	$235,432	$84,401	$151,031	$46,956,482
5	54	$235,432	$84,130	$151,302	$46,805,180
5	55	$235,432	$83,859	$151,573	$46,653,607
5	56	$235,432	$83,588	$151,845	$46,501,762
5	57	$235,432	$83,316	$152,117	$46,349,645
5	58	$235,432	$83,043	$152,389	$46,197,256
5	59	$235,432	$82,770	$152,662	$46,044,593
5	60	$235,432	$82,497	$152,936	$45,891,658
6	61	$235,432	$82,223	$153,210	$45,738,448
6	62	$235,432	$81,948	$153,484	$45,584,963
6	63	$235,432	$81,673	$153,759	$45,431,204
6	64	$235,432	$81,398	$154,035	$45,277,169
6	65	$235,432	$81,122	$154,311	$45,122,858
6	66	$235,432	$80,845	$154,587	$44,968,271
6	67	$235,432	$80,568	$154,864	$44,813,407
6	68	$235,432	$80,291	$155,142	$44,658,265
6	69	$235,432	$80,013	$155,420	$44,502,845
6	70	$235,432	$79,734	$155,698	$44,347,147
6	71	$235,432	$79,455	$155,977	$44,191,170
6	72	$235,432	$79,176	$156,257	$44,034,913
7	73	$235,432	$78,896	$156,537	$43,878,377
7	74	$235,432	$78,615	$156,817	$43,721,560
7	75	$235,432	$78,334	$157,098	$43,564,462
7	76	$235,432	$78,053	$157,379	$43,407,083
7	77	$235,432	$77,771	$157,661	$43,249,421
7	78	$235,432	$77,489	$157,944	$43,091,477
7	79	$235,432	$77,206	$158,227	$42,933,250
7	80	$235,432	$76,922	$158,510	$42,774,740
7	81	$235,432	$76,638	$158,794	$42,615,946
7	82	$235,432	$76,354	$159,079	$42,456,867
7	83	$235,432	$76,069	$159,364	$42,297,503
7	84	$235,432	$75,783	$159,649	$42,137,854
8	85	$235,432	$75,497	$159,935	$41,977,918
8	86	$235,432	$75,210	$160,222	$41,817,696
8	87	$235,432	$74,923	$160,509	$41,657,187
8	88	$235,432	$74,636	$160,797	$41,496,391
8	89	$235,432	$74,348	$161,085	$41,335,306
8	90	$235,432	$74,059	$161,373	$41,173,933
8	91	$235,432	$73,770	$161,662	$41,012,270
8	92	$235,432	$73,480	$161,952	$40,850,318
8	93	$235,432	$73,190	$162,242	$40,688,076
8	94	$235,432	$72,899	$162,533	$40,525,543
8	95	$235,432	$72,608	$162,824	$40,362,719
8	96	$235,432	$72,317	$163,116	$40,199,603
9	97	$235,432	$72,024	$163,408	$40,036,195
9	98	$235,432	$71,732	$163,701	$39,872,494
9	99	$235,432	$71,438	$163,994	$39,708,499
9	100	$235,432	$71,144	$164,288	$39,544,211
9	101	$235,432	$70,850	$164,582	$39,379,629
9	102	$235,432	$70,555	$164,877	$39,214,752
9	103	$235,432	$70,260	$165,173	$39,049,579
9	104	$235,432	$69,964	$165,469	$38,884,111
9	105	$235,432	$69,667	$165,765	$38,718,346
9	106	$235,432	$69,370	$166,062	$38,552,283
9	107	$235,432	$69,073	$166,360	$38,385,924
9	108	$235,432	$68,775	$166,658	$38,219,266
10	109	$235,432	$68,476	$166,956	$38,052,310
10	110	$235,432	$68,177	$167,255	$37,885,055
10	111	$235,432	$67,877	$167,555	$37,717,500
10	112	$235,432	$67,577	$167,855	$37,549,644
10	113	$235,432	$67,276	$168,156	$37,381,488
10	114	$235,432	$66,975	$168,457	$37,213,031
10	115	$235,432	$66,673	$168,759	$37,044,272
10	116	$235,432	$66,371	$169,061	$36,875,211
10	117	$235,432	$66,068	$169,364	$36,705,846
10	118	$235,432	$65,765	$169,668	$36,536,179
10	119	$235,432	$65,461	$169,972	$36,366,207
10	120	$235,432	$65,156	$170,276	$36,195,931
11	121	$235,432	$64,851	$170,581	$36,025,349
11	122	$235,432	$64,545	$170,887	$35,854,462
11	123	$235,432	$64,239	$171,193	$35,683,269
11	124	$235,432	$63,933	$171,500	$35,511,769
11	125	$235,432	$63,625	$171,807	$35,339,962
11	126	$235,432	$63,317	$172,115	$35,167,847
11	127	$235,432	$63,009	$172,423	$34,995,424
11	128	$235,432	$62,700	$172,732	$34,822,691
11	129	$235,432	$62,391	$173,042	$34,649,650
11	130	$235,432	$62,081	$173,352	$34,476,298
11	131	$235,432	$61,770	$173,662	$34,302,635
11	132	$235,432	$61,459	$173,974	$34,128,662
12	133	$235,432	$61,147	$174,285	$33,954,377
12	134	$235,432	$60,835	$174,597	$33,779,779
12	135	$235,432	$60,522	$174,910	$33,604,869
12	136	$235,432	$60,209	$175,224	$33,429,645
12	137	$235,432	$59,895	$175,538	$33,254,107
12	138	$235,432	$59,580	$175,852	$33,078,255
12	139	$235,432	$59,265	$176,167	$32,902,088
12	140	$235,432	$58,950	$176,483	$32,725,605
12	141	$235,432	$58,633	$176,799	$32,548,806
12	142	$235,432	$58,317	$177,116	$32,371,690
12	143	$235,432	$57,999	$177,433	$32,194,257
12	144	$235,432	$57,681	$177,751	$32,016,506
13	145	$235,432	$57,363	$178,070	$31,838,437
13	146	$235,432	$57,044	$178,389	$31,660,048
13	147	$235,432	$56,724	$178,708	$31,481,340
13	148	$235,432	$56,404	$179,028	$31,302,312
13	149	$235,432	$56,083	$179,349	$31,122,962
13	150	$235,432	$55,762	$179,670	$30,943,292
13	151	$235,432	$55,440	$179,992	$30,763,300
13	152	$235,432	$55,118	$180,315	$30,582,985
13	153	$235,432	$54,795	$180,638	$30,402,347
13	154	$235,432	$54,471	$180,962	$30,221,385
13	155	$235,432	$54,147	$181,286	$30,040,100
13	156	$235,432	$53,822	$181,611	$29,858,489
14	157	$235,432	$53,496	$181,936	$29,676,553
14	158	$235,432	$53,170	$182,262	$29,494,291
14	159	$235,432	$52,844	$182,588	$29,311,703
14	160	$235,432	$52,517	$182,916	$29,128,787
14	161	$235,432	$52,189	$183,243	$28,945,544
14	162	$235,432	$51,861	$183,572	$28,761,972
14	163	$235,432	$51,532	$183,901	$28,578,072
14	164	$235,432	$51,202	$184,230	$28,393,841
14	165	$235,432	$50,872	$184,560	$28,209,281
14	166	$235,432	$50,542	$184,891	$28,024,391
14	167	$235,432	$50,210	$185,222	$27,839,169
14	168	$235,432	$49,879	$185,554	$27,653,615
15	169	$235,432	$49,546	$185,886	$27,467,728
15	170	$235,432	$49,213	$186,219	$27,281,509
15	171	$235,432	$48,879	$186,553	$27,094,956
15	172	$235,432	$48,545	$186,887	$26,908,069
15	173	$235,432	$48,210	$187,222	$26,720,846
15	174	$235,432	$47,875	$187,558	$26,533,289
15	175	$235,432	$47,539	$187,894	$26,345,395
15	176	$235,432	$47,202	$188,230	$26,157,165
15	177	$235,432	$46,865	$188,567	$25,968,597
15	178	$235,432	$46,527	$188,905	$25,779,692
15	179	$235,432	$46,189	$189,244	$25,590,448
15	180	$235,432	$45,850	$189,583	$25,400,865
16	181	$235,432	$45,510	$189,923	$25,210,943
16	182	$235,432	$45,170	$190,263	$25,020,680
16	183	$235,432	$44,829	$190,604	$24,830,076
16	184	$235,432	$44,487	$190,945	$24,639,131
16	185	$235,432	$44,145	$191,287	$24,447,844
16	186	$235,432	$43,802	$191,630	$24,256,214
16	187	$235,432	$43,459	$191,973	$24,064,240
16	188	$235,432	$43,115	$192,317	$23,871,923
16	189	$235,432	$42,771	$192,662	$23,679,261
16	190	$235,432	$42,425	$193,007	$23,486,254
16	191	$235,432	$42,080	$193,353	$23,292,901
16	192	$235,432	$41,733	$193,699	$23,099,202
17	193	$235,432	$41,386	$194,046	$22,905,156
17	194	$235,432	$41,038	$194,394	$22,710,762
17	195	$235,432	$40,690	$194,742	$22,516,019
17	196	$235,432	$40,341	$195,091	$22,320,928
17	197	$235,432	$39,992	$195,441	$22,125,487
17	198	$235,432	$39,641	$195,791	$21,929,696
17	199	$235,432	$39,291	$196,142	$21,733,555
17	200	$235,432	$38,939	$196,493	$21,537,062
17	201	$235,432	$38,587	$196,845	$21,340,216
17	202	$235,432	$38,235	$197,198	$21,143,019
17	203	$235,432	$37,881	$197,551	$20,945,467
17	204	$235,432	$37,527	$197,905	$20,747,562
18	205	$235,432	$37,173	$198,260	$20,549,303
18	206	$235,432	$36,818	$198,615	$20,350,688
18	207	$235,432	$36,462	$198,971	$20,151,717
18	208	$235,432	$36,105	$199,327	$19,952,390
18	209	$235,432	$35,748	$199,684	$19,752,705
18	210	$235,432	$35,390	$200,042	$19,552,663
18	211	$235,432	$35,032	$200,401	$19,352,263
18	212	$235,432	$34,673	$200,760	$19,151,503
18	213	$235,432	$34,313	$201,119	$18,950,384
18	214	$235,432	$33,953	$201,480	$18,748,904
18	215	$235,432	$33,592	$201,841	$18,547,063
18	216	$235,432	$33,230	$202,202	$18,344,861
19	217	$235,432	$32,868	$202,565	$18,142,297
19	218	$235,432	$32,505	$202,927	$17,939,369
19	219	$235,432	$32,141	$203,291	$17,736,078
19	220	$235,432	$31,777	$203,655	$17,532,423
19	221	$235,432	$31,412	$204,020	$17,328,403
19	222	$235,432	$31,047	$204,386	$17,124,017
19	223	$235,432	$30,681	$204,752	$16,919,265
19	224	$235,432	$30,314	$205,119	$16,714,146
19	225	$235,432	$29,946	$205,486	$16,508,660
19	226	$235,432	$29,578	$205,854	$16,302,806
19	227	$235,432	$29,209	$206,223	$16,096,582
19	228	$235,432	$28,840	$206,593	$15,889,990
20	229	$235,432	$28,470	$206,963	$15,683,027
20	230	$235,432	$28,099	$207,334	$15,475,693
20	231	$235,432	$27,727	$207,705	$15,267,988
20	232	$235,432	$27,355	$208,077	$15,059,911
20	233	$235,432	$26,982	$208,450	$14,851,461
20	234	$235,432	$26,609	$208,824	$14,642,637
20	235	$235,432	$26,235	$209,198	$14,433,439
20	236	$235,432	$25,860	$209,573	$14,223,867
20	237	$235,432	$25,484	$209,948	$14,013,919
20	238	$235,432	$25,108	$210,324	$13,803,595
20	239	$235,432	$24,731	$210,701	$13,592,894
20	240	$235,432	$24,354	$211,078	$13,381,815
21	241	$235,432	$23,976	$211,457	$13,170,359
21	242	$235,432	$23,597	$211,836	$12,958,523
21	243	$235,432	$23,217	$212,215	$12,746,308
21	244	$235,432	$22,837	$212,595	$12,533,713
21	245	$235,432	$22,456	$212,976	$12,320,737
21	246	$235,432	$22,075	$213,358	$12,107,379
21	247	$235,432	$21,692	$213,740	$11,893,639
21	248	$235,432	$21,309	$214,123	$11,679,516
21	249	$235,432	$20,926	$214,507	$11,465,009
21	250	$235,432	$20,541	$214,891	$11,250,118
21	251	$235,432	$20,156	$215,276	$11,034,842
21	252	$235,432	$19,771	$215,662	$10,819,181
22	253	$235,432	$19,384	$216,048	$10,603,133
22	254	$235,432	$18,997	$216,435	$10,386,697
22	255	$235,432	$18,609	$216,823	$10,169,874
22	256	$235,432	$18,221	$217,211	$9,952,663
22	257	$235,432	$17,832	$217,601	$9,735,063
22	258	$235,432	$17,442	$217,990	$9,517,072
22	259	$235,432	$17,051	$218,381	$9,298,691
22	260	$235,432	$16,660	$218,772	$9,079,919
22	261	$235,432	$16,268	$219,164	$8,860,755
22	262	$235,432	$15,876	$219,557	$8,641,198
22	263	$235,432	$15,482	$219,950	$8,421,247
22	264	$235,432	$15,088	$220,344	$8,200,903
23	265	$235,432	$14,693	$220,739	$7,980,164
23	266	$235,432	$14,298	$221,135	$7,759,029
23	267	$235,432	$13,902	$221,531	$7,537,499
23	268	$235,432	$13,505	$221,928	$7,315,571
23	269	$235,432	$13,107	$222,325	$7,093,245
23	270	$235,432	$12,709	$222,724	$6,870,522
23	271	$235,432	$12,310	$223,123	$6,647,399
23	272	$235,432	$11,910	$223,522	$6,423,876
23	273	$235,432	$11,509	$223,923	$6,199,954
23	274	$235,432	$11,108	$224,324	$5,975,629
23	275	$235,432	$10,706	$224,726	$5,750,903
23	276	$235,432	$10,304	$225,129	$5,525,775
24	277	$235,432	$9,900	$225,532	$5,300,242
24	278	$235,432	$9,496	$225,936	$5,074,306
24	279	$235,432	$9,091	$226,341	$4,847,965
24	280	$235,432	$8,686	$226,746	$4,621,219
24	281	$235,432	$8,280	$227,153	$4,394,066
24	282	$235,432	$7,873	$227,560	$4,166,506
24	283	$235,432	$7,465	$227,967	$3,938,539
24	284	$235,432	$7,057	$228,376	$3,710,163
24	285	$235,432	$6,647	$228,785	$3,481,378
24	286	$235,432	$6,237	$229,195	$3,252,183
24	287	$235,432	$5,827	$229,606	$3,022,578
24	288	$235,432	$5,415	$230,017	$2,792,561
25	289	$235,432	$5,003	$230,429	$2,562,132
25	290	$235,432	$4,590	$230,842	$2,331,290
25	291	$235,432	$4,177	$231,256	$2,100,034
25	292	$235,432	$3,763	$231,670	$1,868,364
25	293	$235,432	$3,347	$232,085	$1,636,279
25	294	$235,432	$2,932	$232,501	$1,403,779
25	295	$235,432	$2,515	$232,917	$1,170,861
25	296	$235,432	$2,098	$233,335	$937,527
25	297	$235,432	$1,680	$233,753	$703,774
25	298	$235,432	$1,261	$234,171	$469,602
25	299	$235,432	$841	$234,591	$235,011
25	300	$235,432	$421	$235,011	$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$ 36,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 37,310,000

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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.